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Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Sep 23, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Suresh Question by Suresh on Sep 13, 2023Hindi

Kindly suggest on Axis bluechip fund should continue or exit

Ans: This particular investment scheme primarily puts money into big company's stocks.

Over the past 3 to 5 years, this fund hasn't done as well as we'd like compared to a standard benchmark. However, if you are concerned about the fund's recent underperformance or if you need to access your money in the near term, you may consider exiting the fund.

The fund managers have been putting a lot of emphasis on specific stocks they believe in for the long term, but this approach hasn't worked out well since 2021 till date.

One of the reasons for the fund's underperformance is its heavy investments in sectors like automobiles and banks. Some specific stocks like Kotak Mahindra Bank and Bajaj FinServ didn't perform as expected.

Overall, this fund didn't provide a good balance of protection during market downturns and gains during market upswings.

If you are unsure about whether or not to continue or exit Axis Bluechip Fund, you may want to consult with a financial advisor. A financial advisor can help you assess your individual needs and goals and make a recommendation that is right for you.
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 Kalirajan  |3848 Answers  |Ask -

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

Asked by Anonymous - Feb 12, 2024Hindi
Hi experts. should MF continue with axis bluechip fund and axis esg fund which ? If exit then what should be other MF as conservatives Risk takers.
Ans: Deciding whether to continue or exit mutual funds involves careful consideration of various factors. Let's delve into your options.

Axis Bluechip Fund and Axis ESG Fund are both reputable choices with distinct investment approaches. Axis Bluechip Fund focuses on large-cap stocks with a track record of consistent performance, while Axis ESG Fund integrates environmental, social, and governance (ESG) factors into its investment decisions, aligning with sustainable principles.

If you're contemplating exiting these funds, it's essential to reassess your investment objectives and risk tolerance. For conservative investors, you might explore alternatives like diversified equity funds with a history of stable returns, such as Mirae Asset Large Cap Fund or ICICI Prudential Bluechip Fund. These funds typically invest in established companies with lower volatility.

Additionally, debt funds can offer stability for conservative investors. Consider options like HDFC Corporate Bond Fund or SBI Magnum Ultra Short Duration Fund, which invest in high-quality debt instruments with relatively lower risk.

Before making any decisions, consult with a Certified Financial Planner to evaluate your portfolio holistically and ensure alignment with your financial goals. They can provide personalized recommendations based on your risk profile and investment horizon.

Remember, mutual fund investments are subject to market risks, so it's essential to diversify and regularly review your portfolio to maintain a balanced approach.

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Ramalingam Kalirajan  |3848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Sir I am investing 5000 un Axis blue cip fund since last 4 years, when I started it was 4 star but now it's rating has come to 1 should I continue or switch
Ans: Evaluating Investment Strategy for Axis Blue Chip Fund

I understand your concern regarding the performance of Axis Blue Chip Fund and the possibility of switching investments. Let's analyze the situation to make an informed decision.

Current Investment Scenario
Duration of Investment:

You have been investing in Axis Blue Chip Fund for the past 4 years, demonstrating a commitment to long-term wealth creation.
Change in Fund Rating:

The fund's rating has declined from 4 stars to 1 star, indicating a change in its performance relative to peers.
Considerations for Decision Making
Performance Analysis:

Evaluate the reasons behind the fund's declining performance. Factors such as changes in fund management, strategy, or market conditions could contribute to this shift.
Analyze the fund's performance against its benchmark and category peers to assess its relative strength.
Fund Manager Expertise:

Consider the track record and expertise of the fund manager. A skilled and experienced manager may navigate challenging market conditions effectively, potentially leading to improved performance over time.
Market Conditions:

Assess the current market scenario and economic outlook. Certain sectors or segments of the market may be experiencing temporary setbacks, impacting the fund's performance.
Risk Tolerance:

Review your risk tolerance and investment objectives. If you have a higher risk appetite and a long investment horizon, you may be willing to tolerate short-term fluctuations in returns.
Alternative Investment Options:

Explore alternative investment options within the mutual fund universe. Consider funds with consistent performance, robust investment processes, and aligned investment objectives.
Consultation with Financial Advisor:

Seek guidance from a Certified Financial Planner (CFP) to discuss your investment portfolio and strategy. A professional advisor can provide personalized recommendations based on your financial goals and risk profile.
Decision Making Process
Review Fund Performance:

Conduct a thorough review of Axis Blue Chip Fund's performance, considering both short-term fluctuations and long-term trends.
Evaluate the reasons behind the fund's rating downgrade and assess its potential for future recovery.
Assess Long-Term Prospects:

Consider the fund's investment philosophy, portfolio composition, and alignment with your financial goals.
Assess whether the fund's underlying fundamentals remain strong and its long-term prospects are favorable.
Explore Alternatives:

Research alternative investment options within the large-cap equity category or other asset classes that offer potential for growth and diversification.
Compare the performance, risk profile, and investment approach of alternative funds before making a decision.
Before making any investment decisions, it's essential to conduct a comprehensive analysis of the current investment scenario, assess your risk tolerance and financial goals, and explore alternative options. Consulting with a Certified Financial Planner can provide valuable insights and guidance to optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Latest Questions

Kanchan Rai  |248 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 20, 2024

Asked by Anonymous - Jun 18, 2024Hindi
I am about 68 year's I have two sons who are married via arranged process. My younger son's wife is educated teacher. But she had a torturous up bring during high school days. Leading to least interest in married life after marriage. She deserted my son soon after marriage. This led to break down in marriage now heading for a divorce. Please advise.
Ans: It sounds like a deeply painful situation for everyone involved, especially considering the emotional trauma your daughter-in-law experienced during her formative years.

It's important to recognize that individuals who have gone through traumatic experiences in their youth can carry emotional wounds that affect their relationships later in life. These scars may manifest in ways that make it difficult for them to fully engage in marital life or maintain a healthy relationship.

In situations like these, it’s crucial to approach with empathy and understanding. Your daughter-in-law’s decision to desert your son and pursue divorce likely stems from her own internal struggles and emotional turmoil. It’s not a reflection of your son’s worth or efforts within the marriage.

Moving forward, it might be helpful for your son to focus on his own healing and well-being. Encouraging him to seek support from friends, family, or a professional counselor can provide him with a safe space to process his emotions and navigate this challenging transition.

As a family, offering unconditional support and empathy to both your son and daughter-in-law can create an environment where healing and understanding can begin. It’s important to respect each individual’s journey and decisions while also recognizing the need for compassion during this difficult time.

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Kanchan Rai  |248 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 20, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Hi, I am 40 yr old woman. I am staying with my husband who always doubt me without any reason. As he is dependent on me. He is jobless from last 5 yr. I am the only earning person I don't have any type of attitude. While balancing professional as well as personal life I use to listen his bitter words every day. Not only that he started beating me like anything Just coz of so-called reputation I tolerate him. But 7 months back I came across with a man in my life we both started liking each other, I shared everything with him. But he left his job due to some issues with manager and started working somewhere else. He started ignoring me. Please help me out to understand what is right and wrong in this?
Ans: Balancing the pressures of professional life with the strain of an abusive marriage is a heavy burden, and you deserve to feel safe, respected, and valued.

Your husband's behavior—doubting you without cause, subjecting you to daily verbal abuse, and physically harming you—is deeply troubling and completely unacceptable. It's important to acknowledge that no matter the circumstances, you do not deserve to be treated this way. The fear of societal judgment and concerns about reputation are common reasons people stay in harmful relationships, but your well-being and safety are far more important than maintaining appearances.

Meeting someone who offers emotional support when you’re in such a painful situation is understandable. It’s natural to seek comfort and a connection when you're feeling isolated and mistreated. However, the new man's recent behavior, where he started ignoring you after changing jobs, might feel like another layer of abandonment. This is especially tough because you opened up and shared your struggles with him, hoping for understanding and companionship.

In terms of what’s right and wrong, it's essential to focus on your needs and well-being. Staying in an abusive relationship is harmful to your physical and emotional health. You have the right to seek safety and happiness. The relationship with the new man might have provided temporary emotional relief, but it seems he's not able to be the supportive presence you hoped for, especially now when he’s pulling away.
Right now, focus on what you need to feel safe and supported. Consider reaching out to trusted friends, family, or professional services who can help you navigate this challenging time. You deserve a life free from fear and filled with respect and care. Prioritizing your own happiness and safety is the most important step forward.

...Read more

Nayagam P

Nayagam P P  |551 Answers  |Ask -

Career Counsellor - Answered on Jun 20, 2024

Nayagam P

Nayagam P P  |551 Answers  |Ask -

Career Counsellor - Answered on Jun 20, 2024

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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