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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 25, 2021

Mutual Fund Expert... more
anindya Question by anindya on May 25, 2021Hindi
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Following are my investments:

SBI Magnum Global Fund - Regular Plan – Growth (M0nthly) 2000.00 P.M

SBI Focused Equity Fund Regular Growth (Monthly) 3000.00 P.M

SBI Magnum Multicap Fund - Regular Plan – Growth (Monthly) 3000.00 P.M

SBI Blue Chip Fund - Regular Plan – Growth (Monthly) 2000.00 P.M

SBI Equity Hybrid Fund Regular Growth (Monthly) 3000.00 P.M

SBI Dual Advantage Fund - Series XXVIII - Direct – (one time) 50000.00

SBI Equity Hybrid Fund Regular Growth (One Time) 150000.00

Please guide me.

Ans: Continue with 1, 2, 4, 6. Switch Multicap to UTI Flexi Cap Fund – Growth, and Hybrid Equity to Motilal Oswal Equity Hybrid Fund – Growth

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Omkeshwar

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Head, Rank MF - Answered on Feb 20, 2020

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I do a regular investment per month of Rs 9000 as SIP in mutual funds. The funds I am holding currently are:  Name of the Fund Category RankMF Star Rating MohitBhardwaj     1. DSP Equal Nifty 50 Fund-Reg (G)  -Rs 2000 Index Funds - Nifty 2 2. DSP Equity Opportunities Fund-Reg (G) -Rs 1000 Equity - Large & Mid Cap Fund 4 3. DSP Natural Res & New Energy Fund-Reg (G)  - Rs 1000 Equity - Sectoral Fund - Energy & Power 2 4. Franklin India Prima Fund (G)- Rs 1000 Equity - Mid Cap Fund: 2 5. Franklin India Taxshield (G)- Rs 1000 Equity - ELSS 4 6. ICICI PruBluechip Fund (G)- Rs 1000 Equity - Large Cap Fund: 2 7. ICICI Pru Value Discovery Fund (G) - Rs 1000 Equity - Value Fund: 2 8. ICICI Pru Value Fund-16 (G) – Rs 1000 Equity - Value Fund: 2 9. ICICI Pru Value Fund-17 (G)  Equity - Value Fund: 2 10. ICICI Pru Value Fund-18 (G) Equity - Value Fund: 2 11. Invesco India Growth Opp Fund (G) Equity - Large & Mid Cap Fund 4 12. L&T Hybrid Equity Fund-Reg (G)  Hybrid - Aggressive Hybrid Fund 5 13. MotilalOswalMulticap 35 Fund-Reg (G) Equity - Multi Cap Fund: 5 14. Nippon India Capital Builder Fund-IV-A (G)      15. Nippon India NiveshLakshya Fund (G) Debt - Long Duration Fund 5 16. Quantum Long Term Equity Value Fund-Reg (G)   Equity - Value Fund: 2 17. Parikh Long Term Equity Fund-Reg (G) Equity - Multi Cap Fund: 5 18. Tata Hybrid Equity Fund-Reg (G) Hybrid - Aggressive Hybrid Fund 5 I have invested Rs 351,388 till now and my market value is Rs 386,870 which means my annual return is 5.2 per cent. Shall I continue to invest in the above funds or shall I switch to some other better fund as per your advice and what will be my capital (return) if I continue to invest for next 10 years as my current age is 35 years and I wish to invest till my age reach 50.
Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

  • Tata Equity PE Fund - Growth
  • UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

  • UTI Equity Fund – Growth
  • Axis Multicap Fund – Growth

Equity - Large Cap Fund:

  • UTI Mastershare Unit Scheme - Growth Plan
  • LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

  • MOSL Midcap 30 Fund – Growth
  • DSP midcap – growth

Equity - Small Cap Fund:

  • Kotak Small Cap Fund – Growth
  • Axis Small cap Fund - Growth

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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

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Hi Myself Sanjeev Kumar from Himachal Pradesh, I am in mutual funds from last 3 years on below mutual funds 1. Aditya birla multicap fund (regular growth) ---- Rs 1000 monthly 2. Invesco India flexi Cap fund (Plan growth) ------ Rs 1000 monthly 3. Invesco India Multicap fund (regular growth) ---- Rs 1000 monthly 4. Kotak multicap fund (regular) ------------------------- Rs 1000 monthly 5. Kotak emerging equity fund (growth) --------------- Rs 1000 monthly 6. Kotak ELSS tax saver fund ------------------------------- Rs 500 monthly 7. Union tax saver fund (ELSS) ---------------------------- Rs 1500 monthly 8. Bandhan Nifty 200 momentum 30 index fund (regular plan) --- Rs 1000 monthly (started a month ago) Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPD ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Si/mam i want to ask is my portifoilio good enough to produce at least 60- 70 lakhs in next 10-12 years returns or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks
Ans: Hello;

Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

LIC policy maturity sum and NPD will be bonus.

Funds are good. No need to change.

Happy Investing;

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Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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I 25M) have been in a Long Distance Emotional Relationship with a College Friend (25F) whom I'd known since more than 3 years. Although, neither of us has explicitly confessed to each other, but we both seemed to have strong Feelings for each other. We both have shared a lot of personal matters about ourselves, with each other (which are unknown to even some of our Closest Friends). We both share similar Values & Outlook towards various aspects of Life (including our Long Term Career Goals). We both used to chat on WhatsApp almost everyday, sharing our experiences, opinions, knowledge etc. I used to Flirt with her by writing Romantic Poetry for her, once she'd also confessed that she's falling for me. But what has stopped us both from proposing Love to one another is the difference in our Family Background (I'm from a Telugu Speaking Hindu Brahmin Family & she's from a Malayali Catholic Christian Family, but we both studied together from a College in Gujarat). As of now, we both are in different States Studying/Working in different fields. But both of us have been preparing for UPSC, which is our ultimate Career Goal & we also used to discuss the Subject matter & Preparation Plans, helping out each other. Presently, the Problem is that She seems to have Ghosted me (since a Month) citing a silly reason that her Phone got Damaged (she'd said something like this even in 2021), but I see her active on various Social Media Platforms, regularly. I have tried reaching out to her through all the Social Media Platforms & have even called her up, but there's no Response at all, from her side. I am not able to understand why she has Ghosted me like this, atleast she could have honestly told me the actual Reason. Sometimes, I feel guilty that I must have been a distraction to her Studies. But I have very strong Feelings for her, which I'd never felt for any other Girl & I believe that we can have a Future together. We both could continue complementing each other in the course of UPSC Preparation & acting as each other's motivation & emotional support (as seen in the Movie "12th Fail"). And if we both successfully clear UPSC together, we could try to convince our Parents for Marriage (these are not just my Fantasies, even she had indirectly expressed her interest in sharing her Future Life with me). Now, I don't understand what to do? How to reach out to her & sort out things between us? If not reconciliation, I believe that I deserve atleast a definite closure with Honest communication. Though, I am going along with my UPSC Preparation, every now & then, I can't Help thinking of her, I'm feeling Lonely, her Emotional & Intellectual Company would be a great Help in the course of my Preparation. She's always been a Positive Motivation not a Distraction in my Career Path. Please advise me, how do I get back at her, presently, she's working in a different State, so reaching out to meet her in person is not feasible & I have unsuccessfully tried out all other means of Communication. What should I do now? I want to hear from her again, I'd feel satisfied even if she breaks it up with me, honestly stating the Reason. I am feeling restless due to this Uncertainty. Should I persistently keep trying to reach out to her, through different means, without giving up on her, until she Responds, Hoping that she'd appreciate my consistent efforts & reconsider the Relationship with me? Or would you advise any other approach, which is better, according to you?
Ans: Dear Anonymous,
You really need to STOP putting yourself through this.
The reason for your restless state is the dependency that you have been having on her, chats with her, the emotional base with her knowing well enough that there has been no prior agreement on commitment in this relationship. But that's the way the heart is, no?
So, there has been freedom with both of you to go away when you please, to see other people etc...

You have possibly been more into this connection that she has been into it and this has led to expectations from your end.
Go silent and maybe this will give her an idea of missing you if she truly has feelings for you. When you do this, you give yourself some breathing space as well on things that need your focus and also will also reveal if she really wants you as a part of her life. This space is difficult but really important.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Asked by Anonymous - Nov 18, 2024Hindi
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My age is 30 gf is also of same age ..we have caste issue and she is being hindu..but we love each other deeply ..we are in strong seriously relationship since 5 years ..but suddenly now she has cheated with me with a guy of same caste and too rich..now i am devasted ..i have done everything for her she asked for and i have given my blood sweat and tears to work it this relation into marrige...since i found out my gf had cheated on me i am not in myself..my left chest always has mild to severe pain when i think about her .it is just sudden change of emotions..when i am doing my work i forgets about her but not able to focus and it is reflecting on my performance...please confirm what should i do now .she has said sorry multiple times ..but i cannot trust her the same way and not able to love her same way as it is use to be...though my feelinga for her never gonna die but this feeling only killing me please confirm what should do please
Ans: Dear Anonymous,
Heartbreaks can show up in the body as aches and pains; but do visit the doctor to rule out any issue causing the pain in your chest.
I would suggest 'taking a break' from your relationship to process what has gone on...being cheated upon is not easy to digest and you need the time to understand what has happened.
Yes, loss of trust can be very difficult to repair but whether you want to forgive her or not, trust her again or not are things to be dealt with as you go into this 'break mode' as it will allow the anger to heighten, simmer and then dull down while the importance of this person in your life will arise where you can then ask yourself if you wish to continue this relationship or you actually can do away with it.
I do feel that you will benefit from working with a professional on this as your mind state can interfere in the process of reflection and healing. So, do consider that as well...
I will not say that Time Heals, but Time gives you an opportunity to reflect and learn...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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I (30M) am looking for suitable match through Arranged Marriage Platforms. Recently, I had connected with a Lady (25F) who seemed to tick all the Boxes, which I preferred in a Life Partner & she seemed to like me too, we both were getting along quite well through chatting & phone calls. When we met, in person for the first time, I POLITELY asked her what's her BODY COUNT (while mentioning that my Body Count is Zero, as I am VIRGIN). Immediately, she lost her Temper, started abusing me & splashed her Drink all over my Face & Clothes, she was physically assaulting me, when the waiters intervened & calmed her down. I was feeling Humiliated in Public. She threatened that she would Report me to the Police for 'SEXUAL HARASSMENT'. Realising that she could ruin my Life, I apologised to her earnestly & made Peace. Needless to say, she ended all contact with me. But, this incident has left me emotionally bruised. Did I do anything Wrong by asking my prospective Life Partner about her Sexual History? Don't I have the Right to know about this aspect of the Woman, I'd be Marrying? Was she right in taking offence at my Question? Can her Reaction be Justified? Does my Question warrant a Criminal Case against me (something as Heinous as 'Sexual Harassment')? How do I handle such situations in the Future? Should I avoid asking, any other prospects, in the future m, such sensitive personal Questions? What do I do, in case, any other Lady, behaves aggressively with me? Would it be better, if I Record our entire conversation, secretly, using a Bodycam, as a Pro-Active measure, to prove my Innocence & defend myself against Criminal Proceedings? Would it be Legal, to Record our Conversation, without her Knowledge or Consent? Or shall I seek her Consent & Proceed cautiously? Please Advise me, how to handle such sensitive situations, in the Future.
Ans: Dear Anonymous,
Things have definitely changed in the dating and marriage scene from what it was even 20 or 10 years back...
But hey, I still have my reservations on whether women are comfortable answering very intimate questions...do you not think that a question on body count can be reserved to a future meeting maybe when the two of you show interest in each other and when transparency is vital to further the connection?
Right on Day 1, what is the necessity to jump about and get curious about it? Maybe if someone asked you, you would be okay with it but not everyone or every woman is going to be comfortable with it.
When you pay attention to what the other person wants and likes, there are minimal chances of you slipping up and irking them; where is the question then to take care of legal stuff, recording etc...
Genuinely be there with the other person in a conversation and when the rapport is built, the conversation flows effortlessly and you will start to enjoy it. Start to get curious about who they are as people rather than how many people they have slept with...This should help you!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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