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Gaurav

Gaurav Garg  | Answer  |Ask -

Answered on Dec 15, 2020

R Question by R on Dec 15, 2020Hindi
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I have invested in Kotak small cap PMS and ICICI Infrastructure PMS on advice of my Financial Advisor 3-4 years back and now there is a heavy loss and even capital has eroded. What should I do now? I know it was big mistake by Advisor for whatever reasons.

Ans: Last three year were not good for small caps therefore I will suggest to hold your portfolio for longer term in order to generated healthy returns. Also, you should not invest more than 20% of your entire investment amount in small-caps if you are not an aggressive investor.

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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I am having these following investments. I invested Rs 15 lakh in one go six months back. I need this money back after 3-4 months. Could you kindly advise what should I do now as it is going at a total loss of Rs 1.05 lakh as on date? Shall be highly obliged for your kind guidance. Folio Number Scheme Name Units Amount Invested Market Value Average Purchase NAV Current NAV Dividend Unrealized G/L IRR 11773387 PARAG PARIKH FLEXI CAP FUND - REGULAR GROWTH( equity flexi cap) 5766.159 299985.00 277368.00 52.03 48.10 0.00 -22617.00 -18.87 per cent 19934334374 CANARA ROBECO BLUECHIP EQUITY FUND - GROWTH( Equity Large Cap) 6948.923 299985.00 278721.00 43.17 40.11 0.00 -21264.00 -17.38 per cent 79949636772 MIRAE ASSET LARGE CAP FUND - REGULAR - GROWTH PLAN( Equity Large Cap) 3670.574 299985.00 282260.00 81.73 76.90 0.00 -17725.00 -14.83 per cent 910135 213304 AXIS MID CAP FUND - GROWTH PLAN( Equity Mid Cap) 4134.303 299985.00 274476.00 72.56 66.39 0.00 -25509.00 -19.83 per cent 19997034/03 ICICI PRUDENTIAL MULTICAP FUND - REGULAR PLAN - GROWTH(Equity Multi Cap fund) 640.364 299985.00 281203.00 468.46 439.13 0.00 -18782.00 -15.67 per cent
Ans: Never invest in equity schemes if the horizon is short. If not necessary, kindly do not redeem. All the funds are good, however, the markets are in correction mode.

Please follow these house rules for investing in MFs if your investment horizon is between:

  • 1 and 3 years: Take short term debt funds
  • 3 and 5 years: Hybrid Funds
  • 5 years and above: Equity funds

..Read more

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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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