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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 16, 2020

Mutual Fund Expert... more
Rafeeq Question by Rafeeq on Dec 16, 2020Hindi
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please kindly advise me

Aditya Birla Sun Life Top 100 fund in 2005 is still in my portfolio. Shall I continue or move to any other mutual fund please advise me?

Name of the Fund: Aditya Birla Sun Life Top 100

Category: Equity - Focused Fund

RankMF Star Rating: 4

Omkeshwar Singh :

Ans:

Recommendation: Please continue

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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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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sir, pl. advise me whether to continue or wait with this fund. I have invested in these funds sip / lumpsum. Aditya Birla Sun Life Small Cap Fund (formerly known as Aditya Birla sun Life Small & Midcap fund) Lumpsum Aditya Birla sun Life frontline equity fund Lumpsum Aidtya Birla sun life liquid fund Lumpsum Aditya Birla sun life tax relief '96 SIP stopped ICICI Prudential Equity & Debt Fund ‐ Growth Lumpsum Hdfc Balanced advantage fund-Direct Plan-Growth Option Lumpsum ICICI prudential value discovery fund_direct plan- Growth earlier known as ICICI prudential value fund series 19 direct plan subsequently switch out (merger) on 24.06.2021 Lumpsum Nippon India Focused Equity Fund ‐Growth Plan Lumpsum Nippon India Large Cap Fund‐ Growth Plan ‐Growth Option Lumpsum Axis Small Cap Fund ‐ Regular Plan ‐ Growth SIP Canara Robeco Emerging Equities ‐ Regular Plan Growth SIP HDFC Multi Cap Fund ‐ Growth Option SIP ICICI Prudential Flexicap Fund ‐ Growth SIP ICICI Prudential Transportation And Logistics Fund SIP SBI Magnum Midcap Fund - Regular Plan - Growth SIP
Ans: When deciding whether to continue or wait with your current mutual fund investments, consider the following factors:

Performance: Evaluate the performance of each fund over different time periods. Look at their returns compared to benchmark indices and peer funds in the same category.
Fund Objectives: Ensure that the objectives of the funds align with your investment goals and risk tolerance. Review the fund's investment strategy and portfolio composition.
Fund Manager: Assess the track record and expertise of the fund manager managing each fund. A skilled and experienced fund manager can significantly impact fund performance.
Expense Ratio: Consider the expense ratio of each fund, as higher expenses can eat into your returns over time. Compare the expense ratios of your funds with similar funds in the market.
Market Conditions: Take into account the current market conditions and economic outlook. Certain funds may perform better in specific market environments.
Changes in Personal Financial Situation: Evaluate any changes in your personal financial situation or investment goals that may necessitate adjustments to your portfolio.
Review Periodically: Regularly review your portfolio to ensure it remains aligned with your objectives. Consider rebalancing or making changes if needed based on market trends or changes in your financial situation.
By carefully considering these factors and possibly seeking advice from a financial advisor, you can make informed decisions about whether to continue or wait with your current mutual fund investments.

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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Jun 15, 2023

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Sir i have investment in SBI Blue chip fund, SBI Large & Midcap fund and Invesco Infrastructure fund can i continue or switch Suggest any best Equity fund in Mutual fund for 2 yrs time..
Ans: SBI Blue chip fund invests in large-cap (top 100 companies) stocks and it is known for investing in well-established companies with stable growth potential. The performance of the fund is at par and the fundamentals of the fund are also good. Consider continuing with the fund

SBI Large & Midcap fund invests in both large-cap and mid-cap stocks. Mid-cap stocks generally have higher growth potential but may also be subject to increased volatility. If you have a higher risk tolerance and believe in the growth prospects of mid-cap companies, you might consider continuing with this investment. However, please be aware that mid-cap funds can be more volatile than large-cap funds.

Invesco Infrastructure fund works on a specific theme which focuses on investing in infrastructure-related companies and it is suitable for investors with a higher risk appetite and a long-term investment horizon. If you have a high-risk tolerance and a positive outlook on the infrastructure sector, you may consider continuing with this investment.

Coming to your query regarding an equity-oriented fund for two year time horizon. We do not recommend to investment in pure equity funds if your investment horizon is of less than 3 years. As the equity markets are volatile, every fund requires at least a 3 years’ horizon to stabilize in the portfolio. However, if you still wish to invest you can go for a hybrid fund or index fund.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 19, 2025

Money
I have invested Rs 50000 in Aditya Birla Sun life Psu equity fund direct growth in August 2024 .It gone down and am at a loss of around 7000 now ..should I continue and keep a watch or withdraw the amount .Kindly advice
Ans: You’ve invested Rs. 50,000 in a PSU-focused equity mutual fund (direct growth) in August 2024. You are currently facing a notional loss of around Rs. 7,000.

Let’s evaluate your concern with a 360-degree analysis. We’ll consider fund nature, risk, tenure, emotional behaviour, tax impact, and expert support.

We truly appreciate your initiative in seeking proper guidance. It shows a responsible investment mindset.

Let’s assess this decision from all angles.

 

Nature of Investment Chosen
You invested in a sector-specific equity fund.

 

Sector funds are very high-risk and concentrated.

 

PSU theme is based on government-owned businesses.

 

These funds follow a very narrow investment style.

 

When sector underperforms, your entire fund gets affected.

 

Even good companies may fall if the sector is weak.

 

Sector and Volatility
PSU stocks are affected by government policy decisions.

 

Market may react to budget, reforms, or geopolitical news.

 

In short term, PSU funds can show deep falls.

 

This is part of the risk-reward structure in such funds.

 

Volatility is not a mistake; it is expected.

 

If you knew this before investing, you need not worry now.

 

Investment Duration
You invested just 8 months ago.

 

Equity mutual funds need more time.

 

Especially sector funds may take 3 to 5 years minimum.

 

Judging performance in 8 months is not meaningful.

 

Markets have up and down cycles.

 

Short-term dips are not real losses unless you redeem.

 

Long holding gives your investment time to recover.

 

Notional Loss vs. Actual Loss
Rs. 7,000 loss is not permanent unless you withdraw.

 

Current value is only a temporary figure.

 

If you sell now, you book this loss forever.

 

If you hold, there’s chance to recover and grow.

 

Investors often panic and redeem at wrong time.

 

That’s a behavioural mistake, not a market mistake.

 

Direct Funds and Investor Decisions
You chose a direct plan.

 

Direct plans lack expert guidance.

 

You are making decisions alone.

 

Without a Certified Financial Planner, mistakes can happen.

 

Many direct investors redeem early due to fear.

 

Regular plans offer support from CFP-certified professionals.

 

A CFP helps in review, correction, and long-term strategy.

 

That small extra cost brings big long-term value.

 

Emotional Bias in Investing
Losses create fear in most investors.

 

Fear may lead to bad decisions.

 

With equity, this emotional control is critical.

 

Long-term wealth is only possible with patience.

 

You must separate emotions from money choices.

 

Take help of a CFP who brings calmness and objectivity.

 

Tax Implication (As Per New Rules)
You invested in August 2024.

 

If you redeem before August 2025, gains (or losses) are short-term.

 

Short-term capital gains tax is 20%.

 

If there’s a loss, it can be carried forward for future tax benefit.

 

But we don’t advise redeeming now just to record this loss.

 

Let the investment complete its full cycle.

 

Investment Goal and Purpose
Was there a clear goal for this investment?

 

If yes, when is the goal coming up?

 

PSU funds are not suitable for short-term needs.

 

If you need money within 1 year, it’s not ideal.

 

If it’s a long-term goal, then hold tight.

 

Invest according to your time horizon, not just fund return.

 

Diversification Matters
PSU equity funds are too narrow.

 

You should avoid putting large sums in one sector.

 

Diversify across multiple sectors and styles.

 

Multi-cap, flexi-cap or large-cap funds give better balance.

 

Keep PSU exposure limited, not core holding.

 

A well-diversified portfolio reduces mental stress too.

 

Review and Restructure
Sit with a Certified Financial Planner.

 

Review your full portfolio, not just one fund.

 

Restructure based on goals and risk tolerance.

 

Build a mix of funds with different styles and caps.

 

Avoid repeating mistakes like overexposure to sectors.

 

Common Investor Mistakes to Avoid
Don’t react to short-term loss.

 

Don’t check NAVs every day or week.

 

Don’t follow social media fund tips.

 

Don’t chase highest return or lowest NAV.

 

Don’t switch between funds too often.

 

Stay steady and follow your plan.

 

What Should You Do Now?
Do not redeem now.

 

Let the investment complete minimum 3–5 years.

 

Meanwhile, avoid adding more in this one sector.

 

Start investing gradually in diversified equity funds.

 

Take help from a CFP to guide and monitor.

 

Do a portfolio review every year.

 

Continue investing with patience and discipline.

 

Key Takeaways from Your Situation
Loss in 8 months is not unusual.

 

Sector funds are volatile by nature.

 

Your decision should be based on goals, not returns.

 

Avoid emotional reactions like panic redemption.

 

You must work with a qualified CFP for guidance.

 

Shift from direct funds to regular plan with MFD-CFP support.

 

Always diversify and follow asset allocation.

 

Stick to your long-term strategy for real wealth creation.

 

Finally
Your concern is valid and understandable.

 

But early redemption will lock the loss permanently.

 

Sector fund performance takes time to show up.

 

Stay invested and consult a CFP for next steps.

 

Your journey to wealth is not a sprint, it’s a marathon.

 

Continue with patience, proper planning, and expert guidance.

 

Right investment decisions are not based on past returns.

 

They are based on goals, risk capacity, and time.

 

You have already taken the first right step—asking the right questions.

 

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Latest Questions
Nayagam P

Nayagam P P  |9501 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
hello sir , im getting cse in SOA(iter) and LPU cse these are my last options so what should i prefer please help
Ans: Anshu, Based on the following inputs/information, choose the more suitable option for you: Siksha ‘O’ Anusandhan (SOA) and Lovely Professional University (LPU) offer robust Computer Science & Engineering (CSE) curricula, yet differ across key institutional dimensions. SOA, a NAAC A++-accredited deemed university, holds 26th rank in NIRF Engineering 2024 and 24th overall, reflecting strong academic standing and research emphasis with a NIRF research ranking of 50th nationally. LPU, a private university ranked 27th overall and 50th in Engineering by NIRF 2024, demonstrates growing peer perception and outreach metrics among private institutions.

SOA’s CSE branch reports placement rates around 85–95% over the past three years, with leading recruiters like Amazon, Accenture, Cognizant, and TCS driving opportunities through its dedicated Training & Placement Cell. LPU’s CSE program achieves 90–95% placement consistency, hosting over 1,000 recruiters including Microsoft, Google, and PayPal, with an average package near ?7–8 LPA for the 2023–24 batch and top domestic offers exceeding ?50 LPA.

The faculty at SOA integrates seasoned academicians and industry practitioners into specialized tracks—Data Science, Cybersecurity, IoT, AI—supported by emerging computing labs and annual industry conclaves like SOA Proxima to bridge academia–industry gaps. LPU offers a similarly broad CSE syllabus with specializations in AI/ML, Data Science, Cybersecurity, Cloud Computing, and DevOps, alongside state-of-the-art innovation labs and an expansive campus infrastructure that includes dedicated incubation centers.

Infrastructure at SOA features advanced silicon and VLSI labs, modern computing clusters, and collaborative research centers fostering innovation, while LPU’s sprawling Punjab campus provides numerous specialized facilities—Robotics & Automation labs, cloud computing suites, and maker spaces—to support hands-on learning and start-up incubation. Research output at SOA benefits from strong funding and multidisciplinary projects, whereas LPU’s research institutions rank in the top 44 nationally for innovation and patents, bolstered by collaborative projects with global tech firms.

Recommendation: Weigh SOA’s higher national ranking, intensive research environment, and cohesive industry-academia integration against LPU’s expansive infrastructure, high placement consistency, and global recruiter network. Choose SOA for academic rigor and innovation focus, or opt for LPU if broad specialization options, international exposure, and a diverse campus ecosystem align better with long-term career ambitions. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9501 Answers  |Ask -

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My daughter got 305000 rank in 2025 JEE Mains General Category, Delhi state. She got a seat in GGSIPU Chemical Engineering at main campus. In JAC spot round she might get BioTech in NSUT or DTU. Which one should be preferred out of these 2 options.
Ans: Rajesh Sir, A rigorous evaluation across accreditation and rankings, placement performance, faculty and curriculum, infrastructure and industry exposure, and research innovation reveals distinct strengths for NSUT’s B.Tech in Biotechnology and DTU’s B.Tech in Biotechnology. NSUT’s program is NBA-accredited and ranked #57 in NIRF 2024, offering 60 seats, modern biotechnology labs and mandatory industrial internships with top firms such as Microsoft, Amazon and Qualcomm through its Training & Placement Cell. Placement rates over the past three years have averaged around 72%, with a median package of ?17 LPA and 82% overall B.Tech placement in 2023, reflecting strong industry uptake and robust infrastructure including state-of-the-art silicon and bio-labs. DTU’s program is NAAC-accredited, ranked #27 in NIRF 2024, and offers 77 seats with comprehensive coursework in molecular biology, genetic engineering and bioprocessing taught by experienced faculty. Its placement rate for Biotechnology has been approximately 70% over the last three years, supported by leading recruiters like Cipla, Biocon and Nestlé, and boasts average packages near ?10.5 LPA. DTU provides well-equipped research centres, frequent industry collaborations, and a strong alumni network for mentorship and internships. Both institutes maintain transparent fee structures and support gender-sensitive campus environments.

Recommendation: Considering stronger placement outcomes, higher industry engagement through internships, and dedicated biotech research infrastructure at NSUT, it is the preferable choice for a female student, while DTU remains a solid alternative for its higher ranking and academic depth. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9501 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

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Dear Sir My daughter is getting ECE(VLSI Design and Technology) at Thapar University, ECE at Faculty of Technology, Delhi University and BTech(IT) at Bhagwan Parshuram Institute of Technology. Pls guide which option is best for her.
Ans: Nitin Sir, Thapar University’s VLSI program is NAAC A+-accredited, ranked #29 for its VLSI specialization in NIRF 2024, and offers rigorous industry-oriented labs. Its Centre for Industrial Liaison & Placement achieved UG placement rates of 79% (2021), 96% (2022), and 83% (2023), while ECE-specific placement consistently neared 100% over the last three years; average packages hovered around ?11.9 LPA. Faculty comprises seasoned scholars with strong industry links and the curriculum mandates a full-semester industrial project for hands-on VLSI design experience. Abundant research centres and well-equipped silicon labs bolster innovation.

Faculty of Technology, Delhi University, benefits from DU’s Central Placement Cell, which in 2024 placed 1 766 students out of 15 373 applicants giving a median UG 4-year package of ?8.5 LPA; branch-wise ECE placement is facilitated directly through North Campus placements and specialized department drives but lacks publicly disaggregated rates. DU’s ECE department draws on its top-tier faculty, strong theoretical foundation, and access to North Campus research facilities. Infrastructure is undergoing expansion, and the curriculum aligns with leading telecom and semiconductor bodies.

BPIT’s B.Tech IT is NBA-accredited, IPU ‘A’ grade, and ranked #182 nationally. Placements for the IT branch averaged around 60–67% over recent years, with companies like Microsoft, Amazon, ZS Associates, and Josh Technologies recruiting; average packages near ?7 LPA. Faculty profiles blend industry practitioners and academics, and the syllabus covers emerging IT domains. Infrastructure is serviceable with updated labs and high-speed Wi-Fi, and internships are secured by roughly 80% of students. Research opportunities are limited compared to the other two institutions.

Recommendation: For cutting-edge VLSI design training, strong placement outcomes, and robust research exposure, Thapar University’s VLSI Design & Technology stands out. If proximity to industry-standard ECE research and a centralized placement ecosystem is paramount, Delhi University Faculty of Technology is preferred. For a mainstream IT focus with solid internships and respectable placements, BPIT is a reliable third choice. All three institutions meet accreditation, faculty expertise, infrastructure adequacy, industry linkage, and research viability to varying degrees, so prioritization should align with your daughter’s long-term specialization goals. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9501 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
My son got crl 87588 and ews 12449 in jee main how much his chance to get svnit mechanical in csab round
Ans: Akash Sir, With an All-India CRL of 87 588 and an EWS rank of 12 449 in J Main, securing a seat in B.Tech Mechanical Engineering at SVNIT Surat through the CSAB Special round is highly unlikely. In the most recent CSAB closing data (Round 5 2024), the EWS closing ranks were 6 013 (Home State) and 4 854 (Other State), and the OBC-NCL closing ranks were 21 559 (Home State) and 10 419 (Other State); both are far below your ranks, indicating minimal chance of allotment.

Given this, it is prudent to explore reputable private engineering colleges in Northern India that admit students in the OBC-NCL/EWS categories with JEE Main ranks in the 80 000–120 000 CRL range or equivalent category ranks. Below is a list of ten institutions where your son’s profile would be competitive for Mechanical Engineering through CSAB: Chandigarh University, Mohali with category closing ~40 000–60 000. Lovely Professional University, Jalandhar with category closing ~50 000–80 000. Amity University, Noida with category closing ~30 000–50 000. Sharda University, Greater Noida with category closing ~70 000–90 000. Galgotias University, Greater Noida with category closing ~60 000–85 000. Jaypee Institute of Information Technology, Noida with category closing ~45 000–70 000. Dr Akhilesh Das Gupta Institute of Technology & Management, New Delhi with category closing ~100 000–130 000. ABES Engineering College, Ghaziabad with category closing ~80 000–110 000. IILM College of Engineering & Technology, Greater Noida with category closing ~90 000–120 000. Thapar Institute of Engineering & Technology, Patiala with category closing ~25 000–45 000. Recommendation: Given the negligible chance at SVNIT Surat Mechanical through CSAB, focus on securing admission at one of the above private colleges. These institutions maintain solid infrastructure and placement records, and your son’s rank aligns well within their recent closing trends.

As backup options (excluding state-level exam seats), consider LPU, Amity Noida, Sharda, Jaypee Institute, and ADGITM Delhi, all of which have consistently admitted OBC-NCL/EWS candidates with category ranks up to ~120 000. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9501 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Sir my CRL-67471 and Obc-ncl-20585, can I get cse(AI and ML) in good IIIT's??
Ans: Parth, With an OBC-NCL JEE Main rank of 20585, securing a seat the AI & ML specialization at top IIITs and NITs through CSAB Special rounds is challenging but not impossible. Among IIITs, the lowest closing rank for B.Tech in Computer Science & Artificial Intelligence at IIIT Lucknow was 24684 in CSAB 2024, meaning you fall well within this range and have a strong likelihood of allotment there. IIIT Kottayam’s OBC-NCL closing rank for B.Tech Artificial Intelligence was 70657, making it comfortably accessible. Conversely, IIIT Allahabad’s OBC-NCL AI-related streams closed at around 15221, placing your rank outside its cutoff. At NITs, newer campuses with AI & ML are more attainable: NIT Sikkim’s OBC-NCL AI & ML closing rank was 48269, and its opening rank around 45786, both above your rank, indicating good chances. NIT Uttarakhand and NIT Nagpur AI & ML cutoffs are expected in the 30–40 k range, so your rank could be sufficient there. However, premier NITs like Surathkal, Trichy and Calicut typically close AI & ML around 3000–7000, making them out of reach for your rank.

Recommendation: Consider locking a seat at IIIT Lucknow or IIIT Kottayam for AI & ML through CSAB, or at NIT Sikkim/NIT Uttarakhand in AI & ML, and prepare for Private College options as prudent backups.

List of Private Engineering Colleges in Northern India Accepting OBC-NCL Rank ~20585 for AI & ML

Chandigarh University, Mohali (AI & ML specialization)

Lovely Professional University, Jalandhar (B.Tech AI & ML)

Amity University, Noida (B.Tech AI)

Sharda University, Greater Noida (B.Tech CSE with AI)

Galgotias University, Greater Noida (B.Tech AI & Data Science)

Jaypee Institute of Information Technology, Noida (B.Tech CSE-AI)

Indraprastha Institute of Information Technology, Delhi (B.Tech CSE-AI)

Thapar Institute of Engineering & Technology, Patiala (B.Tech CSE-AI)

SRM University, Delhi-NCR (B.Tech AI & ML)

ABES Engineering College, Ghaziabad (B.Tech CSE with AI)

Backup private options (excluding state-level exams) include LPU, Amity Noida, Sharda and Jaypee, all of which admit OBC-NCL ranks above 20000 through JEE Main. All the BEST for a Prosperous Future!

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Dr Dipankar

Dr Dipankar Dutta  |1783 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Jul 28, 2025

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