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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 20, 2020

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Shubhadeep Question by Shubhadeep on Feb 20, 2020Hindi
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Kindly advise whether to continue with the following funds with a time horizon of 10 years.
Name of the Fund Category RankMF Star Rating
1. Aditya Birla Sun Life Focused Equity Fund-Growth Equity - Focused Fund 4
2. Axis Bluechip Fund – Growth Equity - Large Cap Fund: 5
3. ICICI Prudential Bluechip Fund- Growth Equity - Large Cap Fund: 2
4. Mirae Asset Large Cap Fund – Growth Equity - Large Cap Fund: 4
5. I Blue Chip Fund – Regular Plan – Growth Equity - Large Cap Fund: 4
6. Kotak Standard Multicap Fund – Growth Equity - Multi Cap Fund: 4
7. MotilalOswalMulticap 35 Fund – Growth Equity - Multi Cap Fund: 5
8. SBI Magnum Multicap Fund – Regular Plan – Growth Equity - Multi Cap Fund: 4
9. ICICI Prudential Value Discovery Fund – Growth Equity - Value Fund: 2
10. LNT India Value Fund – Regular Plan – Growth Equity - Value Fund: 3
11. HDFC Hybrid Equity Fund – Regular Plan – Growth Hybrid - Aggressive Hybrid Fund 5

Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund::

  1. Tata Equity Pe Fund - Growth
  2. UTI Value Opportunities Fund - Growth Plan

Equity - Large Cap Fund:

  1. UTI Mastershare Unit Scheme - Growth Plan
  2. LIC MF Large Cap 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

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 13, 2022

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I am 37 years old. I have been investing in Mutual Funds since June 2017. I am an aggressive investor ready to take risks. My investment horizon is long term. I am investing for my Son's higher education which is 13 years away and also for my retirement which is 23 years away. My portfolio comprises of the following mutual funds. 1) HDFC Midcap Opportunities fund Regular growth - ₹4100/- per month with top up of 10% every year.  2) L&T hybrid equity fund Regular growth - ₹5000/- per month with top up of ₹500/- every year.  3) Aditya Birla Sun Life pure value fund Regular growth - ₹4500/- per month with top up of ₹500/- every year.  4) L&T Midcap Fund Regular growth -₹6000/- per month with top up of ₹500/- every year.  5) L&T Emerging Businesses Fund Regular growth -₹6000/- per month with top up of ₹500/- every year.  6) L&T Tax Advantage fund Regular growth -₹4500/- per month with top up of₹500/- every year.  7) Aditya Birla Sun Life Tax Relief '96 fund Regular growth - ₹5000/- per month with top up of ₹500/- every year.  8) UTI Flexi Cap fund Direct growth - ₹1000/- per month.  9) DSP Midcap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year.  10) DSP Equity Opportunities fund Direct growth - ₹1000/- per month with top up of ₹500/- every year.  11) DSP Flexi Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year.  12) Aditya Birla Sun Life Equity Advantage fund Direct growth - ₹1000/- per month with top up of ₹500/- every year.  13) Aditya Birla Sun Life Flexi Cap fund - Direct growth - ₹1000/- per month with top up of ₹1000/- every year.  14) ICICI Prudential Technology Plan Direct growth - ₹1000/- per month.  15) Nippon India Small Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year.  16) Kotak Emerging Equity fund Direct growth plan - ₹1000/- per month with top up of ₹500/- every year.  17) L&T Flexi Cap fund Direct Growth plan - ₹1000/- per month.  Am I on the right track/path of investing? Please suggest necessary changes in the above portfolio if any or should I continue with the above mutual funds.Also suggest which funds should I Add/Remove from the above portfolio. 
Ans: Too many funds, keep 1 fund in same / similar category. No further addition please! 

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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Mar 17, 2020

Money
I have the following funds. Few since last 10 years & few since last 2 years. Would request your views for continuation/discontinuation please?  Fund name Catgory Star Rating Santanu Das     Aditya Birla Sun Life Tax Relief 96 Dividend Equity - ELSS 2 Aditya Birla Sun Life Frontline Equity Dividend     Dividend Reinvestment Equity - Large Cap Funds: 2 Dividend Payout Equity - Large Cap Funds: 2 Aditya Birla Sun Life Focused Equity Growth Equity - Focused Funds: 4 Aditya Birla Sun Life Tax Relief'96 Growth Equity - ELSS 4 DSP Investment Tax Saver Fund Equity - ELSS 3 Franklin Templeton India Equity Fund Growth Equity - Multi Cap Funds: 2 HDFC Mid Cap Opportunities Growth Equity - Mid Cap Funds: 2 HDFC Top 100 Dividend     Dividend Reinvestment Equity - Large Cap Funds: 2 Dividend Payout Equity - Large Cap Funds: 2 HDFC Equity Fund Growth Equity - Multi Cap Funds: 2 HDFC Top 100 Growth Equity - Large Cap Funds: 3 ICICI Prudential Infrastructure Dividend     Dividend Reinvestment Equity - Sectoral Fund - Infrastructure 1 Dividend Payout Equity - Sectoral Fund - Infrastructure 1 Kotak Standard Multi Cap Growth Equity - Multi Cap Funds: 3 L&T Equity Fund Growth Equity - Multi Cap Funds: 3 L&T Tax Advantage Dividend Equity - ELSS 2 Quantum Long Term Equity Value Growth Equity - Value Funds: 3 Reliance/Nippon India Power & Infra Dividend Equity - Sectoral Fund - Energy & Power 1 Reliance/Nippon India Multi Cap Fund Growth Equity - Multi Cap Funds: 2 UTI Dividend Yield Dividend     Dividend Reinvestment Equity - Dividend Yield Fund 4 Dividend Payout Equity - Dividend Yield Fund 4 Mirae Asset Hybrid Equity Growth Hybrid - Aggressive Hybrid Fund 4 SBI Equity Hybrid Growth Hybrid - Aggressive Hybrid Fund 5
Ans: You may continue with the 5 & 4 rated funds; however avoid any Equity - Sectoral Fund – Infrastructure OR Energy & Power funds ,  at present and for others better alternative is available

Equity – ELSS:

- Canara Robeco Equity Taxsaver Fund - Regular Plan - Growth

- BOI AXA Tax Advantage Fund-Regular Plan- Growth

- Aditya Birla Sun Life Tax Relief '96 - Growth Option

Equity - Large Cap Funds:

- LIC MF Large Cap Fund-Regular Plan-Growth

- Axis Bluechip Fund - Regular Plan - Growth

- Kotak Bluechip Fund - Growth

- Mirae Asset Large Cap Fund - Growth Plan

Equity - Multi Cap Funds:

- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option

- JM Multicap Fund - Growth option

- UTI - Equity Fund-Growth Option

Equity - Mid Cap Funds:

- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option

- DSP Midcap Fund - Regular Plan - Growth

Equity - Value Funds:

- Tata Equity P/E Fund Regular Plan -(Growth Option)

Equity - Focused Funds:

- Axis Focused 25 Fund - Regular Plan - Growth Option

- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option

..Read more

Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 29, 2019

Money
Dear Sir, I have following mutual funds: Please comment whether I shall sell or retain. ABSL Equity fund growth HDFC Equity fund growth ICICI Pru Nifly Index Growth ICICI Pru Infrastructure Growth SBI Focused Equity Fund Growth    UTI Master Share UTI MNC Fund Magnum Taxgain Sundaram Infrastructure ABSLMidcap Growth Name of the Fund Name of the Fund RankMF Star Rating ABSL Equity fund growth Equity - Multi Cap Fund 4 HDFC Equity fund growth Equity - Multi Cap Fund 4 ICICI PruNifly Index Growth Index Funds - Nifty 4 ICICI Pru Infrastructure Growth Equity - Sectoral Fund - Infrastructure 2 SBI Focused Equity Fund Growth Equity - Focused Fund 4 UTI Master Share Equity - Large Cap Fund 5 UTI MNC Fund Equity - Thematic Fund - MNC 3 Magnum Taxgain Equity - ELSS 3 Sundaram Infrastructure Equity - Sectoral Fund - Infrastructure 2 ABSLMidcap Growth Equity - Mid Cap Fund 2
Ans: You may continue with funds with 4 and 5 star rated, sector funds to be avoided and good funds in Multicap , Focused and Mid cap should be invested in.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

ELSS: Suitable options considering quality and value for money at present levels are Motilal Oswal Long Term Equity – Growth

..Read more

Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Jun 15, 2023

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Hello Sir, I am 38 years working professional. Below are my Mutual Funds list. 1. Axis Bluechip fund Direct Plan growth - 2000 / month 2. PGM mid cap opportunity Direct Plan growth - 2000 / month 3. SBI small cap fund Regular growth - 1000 / month 4. Axis nifty 50 Direct Plan growth - 2000 / month 5. ICICI next nifty 50 Direct Plan growth - 2000 / month 6. ICICI nasdaq index direct plan growth - 2000 / month 7. ICICI technology fund Regular plan growth - 1000 / month Kindly give your input on this. Shall I continue with this for long term or not?
Ans: According to the data you have given, it appears that you have a Rs. 12,000/- monthly systematic investment plan (SIP) distributed across seven different mutual funds. Generally speaking, if your entire investing amount is Rs. 10 lakhs, you should invest in 6-7 mutual funds. Over-diversification can result from having too many mutual funds in your portfolio.

Regarding the recommendation on the mutual funds in your portfolio, all of them are considered to be fundamentally strong with a good track record. Investments in pure equity funds are recommended for the long term, ideally for a period of 5-7 years.

On the other hand, certain categories such as Small Cap, Mid Cap, and Sectoral funds are recommended only if you have an investment horizon of more than 7 years.

It's worth noting that two of the funds in your portfolio, namely Axis Nifty 50 Direct Plan Growth and ICICI Nasdaq Index Direct Plan Growth, are recently launched funds. As a result, they do not have sufficient track record to accurately assess their risk and reward potential.
We hope that you have made your investments based on your short-term and long-term goals, taking into consideration your risk profile.

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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ShristiQuestion by Shristi - Nov 03, 2024Hindi
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Hi Madam, I'm 60,retired, my wife is 47, our son is 23. I had love marriage and was leading a happy married life. Just after silver jubilee of our wedding anniversary I accidentally came to know that my wife is madly in love with one of our common married friend who runs a simple shop. Upon investigation I found that they are in relation for last 12 years and were enjoying sex in my own house for such a long time. He hails from an uneducated family and is not even cultured. I could not believe that the wife of a highly educated socially respected man could do this with a shopkeeper who does not have any socio economic status. I am living a normal life with my wife for the sake of our only child. Once he settles in life I have decided to end my life. Ofcourse I still love her as ours was a love marriage. I seek your wise suggestion in this regard, should I divorce her or live a normal life that we are doing?
Ans: Dear Shristi,
It is obviously very shocking for you to know that things have been happening behind your back.
Now, how you want this to move on from here on, is a decision only you must make! Have you had a chat with your wife about the association that she has with the other person? Does she know that you know about it?
If she doesn't, then you need to make her aware and yes, do ask her whether she is interested at all in the marriage. That will give you an idea as to whether things are worth fighting for or is it best to walk away!

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Nov 05, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Hello madam I a 32 year old married man with a kid , who is 6 years old. I have done arrange marriage with my own decision I agreed to my parents for the marrige at that time I was in a casual relationship with a girl I didn't said anything to the girl and get married to someone else. After that I tried to live a happay life with my wife without thinking about the girl whom I left behind, from outside I tried to be happy with my wife but my wife thought doesn't matches with me so I felt so disturbed from inside. Still I was trying to continue the relationship for sake of our child but suddenly I got my ex love contact and I was so happy that after so long time I got a chance to talk to her, I have tried to meet her but she always refused to meet me because she was in a relationship. I tried many times and due to some misconduct I again lost her for the second time. At this moment when she is not with me her thoughts memories are troubling me so much I am in pain, what am I suppose to do to get rid of the pain?? Please help
Ans: Dear Anonymous,
There is no point wanting a 'past' relationship just because you have one...what if that relationship did not exist, you would have possibly made efforts to make your marriage work, right?
Then do just that...DO NOT treat your marriage as an option...which marriage is a perfect one? And are all spouses tailor-made to fit one another?
So, if her thoughts don't match with yours, then even yours don't match with hers...so, should she also think of jumping into some other relationship. Please act mature about this especially with a child in the entire equation; try and understand each other...speak about your differences and find ways of working on them by accepting them. Ex-love etc looks all very nice, but come down to ground reality; please...work on your marriage!

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ravi

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I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.
Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

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Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 02, 2024Hindi
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Hii, I have an love marriage after 9 years of dating and 6 years, 2 children post marriage, my little one is 11 months old now. My husband has an affair upto chatting to someone in his company, his junior but in different department, when my Lil one was 1 month old, we had in a rough patch then due to child birth and family drama. When I saw it and confronted him, he said he is sorry and won't do it again, we had multiple fights for 3-4 months after then due to same reason, but he mostly listen and consol. It's been a lot of mental torture for me. I love my husband a lot and he is a good person, but sometimes sill I see her msg in his phone asking for small helps or casual msg. She is also married. I am not sure my husband deletes msg or what, I am not able to get over this. Before it, this is was preety much a good relationship. I am highly educated and independent women. I don't want anything form my husband apart from love. What should I do, whenever I tell him I want to just leave and let him have his life, he won't let me somehow. We are having a good physical relationship 2-4 times a week( just to tell where we are). Please help me...I can't overcome that he is making fool of me...
Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

Hope this helps.

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Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 10, 2024Hindi
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Hi, Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. Partner(F28)continuing friendship with a person[M] who had crush on her before marriage considered emotional infidelity? Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. My wife is having friendship (strictly platonic) with a guy from her 10tlh grade (same class). Before our marriage (she may be doing her college, our relationship just started may be 2 weeks) this guy told her he has genuine interest in her and he want to take the relationship further if she wants, she said she is not interested in a relationship and she got committed, she always saw him as a friend, no other feelings for him and we can be friends if you don't bring any romantic interest again. He never took this talk again ever after and happy to be a friend. They are talking as friends. She got married to me. He also got married. They still do chats once in a month. She introduced me to him and visited his home when we visited his city. He also came to our home once (me and my family was there). She used to update me with chat she had with him and the content they are chatting. I am ok with that When we were talking about our school life and college life 2 years before. She said this guy had crush on her during her college days. I asked her, why did not she tell me this info till now. She said it is not purposely, she does not feel the need to do as the person is not in-appropriate with her and continuing as good friend as promised after she rejected his proposal. I don’t want to create any unnecessary issues as I don’t have any felling or so with him. That time I checked their chats completely, it’s about update about their common friends, their recent travel, their job, meditation courses and the books they read recently. I haven’t seen any flirting or romantic message from either of them. So I am perfectly fine with it and had no problems. I recently came to know about the concept of emotional cheating which is very new to me. Before that cheating to me is only flirting, sexeting and physical sex. I have asked for advice in redddit.com in infedility sub forum about emotional cheating/ emotion affair. There persons are advising like even having friendship with someone who had crush on you is emotional cheating as it is indirectly leading them on you. So with an omission of lie he had crush on her and indirectly leading him on you wife was emotionally cheating on you. This is very much equal to cheating. I do have lots of friends in other gender, but no one had crush on me. Does this count as emotional cheating/affair as she did not mention he had crush on her before marriage? I am little depressed and not able to spend quality time with my wife who is in postpartum depression and take care of our daughter properly as before. Do you guys advise me how to navigate this situation?
Ans: Dear Anonymous,
Are you really going to ruin your happy relationship based on some new term you have learned recently? Emotional cheating and many more terms of the kind will come and go, what truly matters is the truth. She is merely friends with this guy and for your peace of mind, you have even checked their conversations- what part of it looks like cheating to you? If tomorrow, some random person projecting their own insecurities claims that a man speaking to a woman is some "new form" of cheating, would you start believing that? My point is that these are just random opinions of some people- it isn't the ultimate truth. The entire context matters. This man had a crush on your wife, she rejected it, and now they are just friends. I find absolutely no misconduct or infidelity in this. The fact that none of your friends had a crush on you does not factor in at all. Moreover, your wife is in postpartum depression- that should be your biggest concern but here you are, giving more importance to the random 2 AM thoughts of some people you don't even know. Please rethink if you are being fair to your wife- the mother of your child.

Best Wishes

...Read more

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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