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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 06, 2022

Mutual Fund Expert... more
Thomas Question by Thomas on May 06, 2022Hindi
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Dear Sir,

1. I have invested Rs 3 lakhs in Kotak Global Innovation Fund of Fund, regular growth plan. Since the beginning of this fund, it is showing a downward trend. Should I stay in this fund or exit?

2. I have invested Rs 1 lakh SBI Balance Advantage Fund, regular plan growth. Since the beginning this fund, it is showing slight upward trend. Should I stay in this fund or exit?

Please advise on the above. 

Ans:

  1. Exit
  2. 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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jun 10, 2022

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I am 48. Sir I have SIP in the following funds. Please let me know if I should continue or need to do any change in my investment. 1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH Rs.1000 13.06.2016 (date) 2) DSP MID CAP FUND--GROWTH Rs.3000 12.06.2017 3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH Rs.2000 20.12.2016 4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH Rs.1000 14.06.2016 5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH Rs.1000 14.06.2016 6) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.2000 19.12.2016 7) HDFC CHILDRENS GIFT FUND-GROWTH Rs.1000 13.06.2016 8) AXIS FLEXI CAP FUND-GROWTH Rs.3000 02.06.2021 9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH Rs.1500 02.06.2021 10) MIRAE ASSET MIDCAP FUND-GROWTH Rs.3000 05.07.2021 11) NIPPON INDIA SMALL CAP FUND -GROWTH Rs.1000 26.12.2017 Sir I have invested lump sum amount in the following funds. Please suggest whether to continue or exit. 1) ADITYA BIRLA SUN LIFE BANKING AND FINANCIAL Rs.50,000 22.08.2016 (date) Rs.79,647 (present value) SERVICES FUND-GROWTH 2) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY Rs.50,000 22.08.2016 Rs.87,455 FUND-GROWTH 3) ADITYA BIRLA SUN LIFE SMALL CAP FUND-GROWTH Rs.100,000 29.06.2017 Rs.132,490 4) HDFC HYBRID EQUITY FUND-GROWTH Rs.120,273 01.06.2018 Rs.178,746 5) ICICI PRUDENTIAL BLUECHIP FUND-RETAIL-GROWTH Rs.20,042 22.02.2018 Rs.31,422 6) L&T INDIA VALUE FUND-GROWTH Rs.25,000 22.08.2016 Rs.48,505 7) L&T INDIA VALUE FUND-GROWTH Rs.150,000 17.04.2017 Rs.245,565 8) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.25,000 22.08.2016 Rs.61,878 9) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.105,000 28.04.2017 Rs.216,372 10) ADITYA BIRLA SUN LIFE PURE VALUE FUND-GROWTH Rs.50,000 06.11.2018 Rs.65,281 11) ADITYA BIRLA SUN LIFE TAX RELIEF 96-GROWTH Rs.100,000 06.11.2018 Rs.128,895 12) L&T EMERGING BUSINESS FUND-GROWTH Rs.100,000 13.12.2017 Rs.155,097 13) MIRAE ASSET BANKING & FINANCIAL Rs.264,987 16.12.2020(STP) Rs.273,346 SERVICES FUND-GROWTH 14) MIRAE ASSET BANKING & FINANCIAL Rs.50,000 23.11.2021 Rs.44,129 SERVICES FUND-GROWTH 15) MIRAE ASSET GREAT CONSUMER FUND-GROWTH Rs.180,000 13.12.2017 Rs.284,600 16) MIRAE HEALTHCARE FUND-GROWTH Rs.200,000 09.11.2018 Rs.401,429 17) MIRAE ASSET MIDCAP FUND-GROWTH Rs.235,462 9.12.2020(STP) Rs.280,601 18) NIPPON INDIA SMALL CAP FUND-GROWTH Rs.100,000 12.12.2017 Rs.178,693 19) TATA FLEXI CAP FUND-GROWTH Rs.100,000 09.11.2018 Rs.149,127 20) TATA INDIA CONSUMER FUND-PLAN A-GROWTH Rs.100,000 09.11.2018 Rs.141,382 21) UTI SMALL CAP FUND-GROWTH Rs.100,523 22.12.2020(STP) Rs.137,025
Ans: Too many funds, please consolidate it in 4 to 5 funds

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I took home loan from HDFC of 10 years duration in May 2023. I told them that i will be able repay the loan in few months as i was planning to sell one plot of mine. Bank employee offered insurance on home loan with return of premium scheme telling me that as soon as you repay the loan all of the premium will be returned. I was old customer so i trusted her and took insurance. Later i came to know that no refund on that policy if you surrender in one year and 60 percent deduction after 02 years. My mistake that i overlooked freelook peroid and rate of return of premium in the documents. I have repaid my whole loan and woll be completing my policy tenure of 02 years in Apr 2025. What should i do to get maximum return of the premium and should i appeal to the higher authorities about the lie told by the employee or i accept the return and sit and regret my decision? Need your valuable advice
Ans: Hello;

You may register a grievance with ombudsman of the lender stating the facts of the matter clearly.

It is upto the discretion of lender's grievance management leadership to take appropriate view of this matter and decide suitably.

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Hello mam, I am a girl 18years old I had pcod since my period started I got my period when I was 13years that time everything was ok but after few months I was bleeding heavy getting menses 2-3in a month so my mom got very worried and she takes me to a gynaecologist and she prescription and tablets like "novelon"and then I am ok but after that I didn't get my periods for few months and also that time lockdown happened so we can't go to a gynaecologist and then after everything got normal and hospitals we go to the doctor and she asked from how many time you don't get your menses and then I replied from past 6months and she shouted on me and immediately told me to have ultrasound and after seeing the reports she said you have pcod then the rest of the story you know I am still suffering from this disease I don't get my periods if I don't take the tablets now I can't understand what to do even I changed a lot of gynaecologists but nothing happened and they this is a incurable disease you have to take tablets for lifetime and also I am not even financially strong
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