Need Expert Advice?Our Gurus Can Help

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 30, 2020

Mutual Fund Expert... more

Question by Snehasis on Jan 30, 2020Hindi

I have following MFs:

HDFC SMALL CAP FUND-REGULAR GROWTH PLAN

L&T MID CAP FUND-REGULAR PLAN GROWTH

NIPPON INDIA LARGE CAP FUND GROWTH PLAN GROWTH OPTION

MIRAE ASSET LARGE CAP FUND-GROWTH OPTION

Please advise if it will give benefits after investment of 5-10 years period. What will be return approx? Whether to switch to other fund or not?

Name of the Fund Category RankMF Star Rating

Snehasis Sengupta

HDFC SMALL CAP FUND-REGULAR GROWTH PLAN Equity - Small cap Fund 2

L&T MID CAP FUND-REGULAR PLAN GROWTH Equity - Mid Cap Fund 3

NIPPON INDIA LARGE CAP FUND GROWTH PLAN Equity - Large Cap Fund 4

MIRAE ASSET LARGE CAP FUND-GROWTH OPTION Equity - Large Cap Fund 4

Ans: You may please continue with 4 star schemes and for rest These MFs can be considered:

Equity - Small Cap Fund:

Kotak Small Cap Fund – Growth
Axis Small Cap Fund – Growth

Equity - Mid Cap Fund:

DSP Mid Cap Fund – Growth
SBI Magnum MID CAP FUND – GROWTH
Motilal Oswal Mid Cap 30 Fund (MOF30)-Growth Option

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.

MoneyReply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 17, 2020

Question by Shailesh - Jan 17, 2020Hindi

I am 39 years old. I am investing in following mutual funds: Name of the Fund Category RankMF Star Rating 1) HDFC Small Cap Fund Equity - Small cap Fund 2 2) Axis Bluechip Fund. Equity - Large Cap Fund 4 1) Tata Digital India Fund Equity - Thematic Fund - Other 5 2) Axis Bluechip Fund Equity - Large Cap Fund 4

Ans: 4 and 5 star funds can be continued; better small cap options are as under:

Small Cap:

Kotak Small Cap fund – growth
Axis Small Cap fund -growth

Money

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 20, 2019

Question by Nandkumar - Nov 20, 2019Hindi

Details of my mutual fund portfolio are as under: Name of the Fund Category RankMF Star Rating Axis Blue Chip Mutual Fund Equity - Large Cap Fund 5 Axis Midcap Fund Growth Equity - Midcap Fund 4 CanaraRobeco Equity Diversified Fund Regular Growth Equity - Multi Cap Fund 4 DSP Small Cap Fund Regular Growth Equity - Small cap Fund 2 HDFC Midcap opportunities Fund Growth Equity - Midcap Fund 3 ICICI Prudential Exports and Services Fund Growth Equity - Sectoral Fund - Service Industry 2 IDFC Multi cap Fund Regular Growth Equity - Multi Cap Fund 4 L&T Equity Fund Regular Growth Equity - Multi Cap Fund 4 L&T India Value Fund Regular Growth Equity - Value Fund 3 Nippon India Multicap Fund Equity - Multi Cap Fund 2 SBI Blue Chip Fund Equity - Large Cap Fund 4 SBI Consumption opportunities Fund Regular Growth Equity - Sectoral Fund - FMCG 3 SBI Focussed Equity Fund Regular Growth Equity - Focused Fund 4

Ans:

All 5 and 4 star rated funds can be continued, rest can be replaced by the funds below in their respective categories.

Large cap Suitable option considering quality and value for money at present levels is Mirae Asset Large Cap Fund

Large and Midcap Suitable option considering quality and value for money at present levels is Kotak Equity opportunity.

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

Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

..Read more

Money

Share

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Venkat - Dec 20, 2019Hindi

I have been investing in the following MF for the last more than five years. Kindly let me have your opinion. Name of the Fund Category RankMF Star Rating HDFC Equity Fund Equity - Multi Cap Fund 4 HDFC Capital Builder Equity - Value Fund 3 HDFC Midcap Opportunities Equity - Midcap Fund 3 ABSLFrontline Equity Fund Equity - Large Cap Fund 4 ABSL - MNC Fund Equity - Thematic Fund - MNC 4 ABSL Equity Fund Equity - Multi Cap Fund 4 HDFC Low Duration Fund Debt - Low Duration Fund 2 ABSL Savings Fund Debt - Ultra Short Duration Fund 5 ICICI prudential Value Discovery Fund Equity - Value Fund 2 ICICI Asset Allocator Hybrid - Multi Asset Allocation 4

Ans: You may continue with 4 and 5 rated funds; better options are available in value and midcap categories.

Equity Value Funds: (4-Star rated):

Tata Equity PE fund

UTI value opportunity funds

Midcaps: Suitable options considering quality and value for money at present levels are:

Motilal Oswal Midcap 30

DSP Midcap

Kotak Emerging Equity Fund

..Read more

Money

Share

Ramalingam Kalirajan |7100 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Question by Vaman - Jun 22, 2023Hindi
Listen

I have following MF investments all regular growth all purchases on initial offer of ten rupees. 1) Aditya Birla Sun Life focused equity fund -1200 units 2)Dsp world gold fund -500units 3)Hdfc banking financial services fund 1200. Units 4) Hdfc defence fund 1000units 5)Hdfc flexi cap fund 50 units 6)Hdfc mid cap opportunity fund 260 units. 7) Hdfc flexi cap fund 30 units 8)Hsbc value fund 450 units 9)Hsbc elss fund 500 units 10) Kotak global innovation fund 1200units 11)Kotak international REIT fund 500 units 12) Kotak flexi cap fund 260 units 13)Nippon India low duration fund 10 14)Sbi blue chip fund 1000 units 15) Sundaram focused fund 1300 units 16)Tata mid cap growth fund 350 units 17)Uti nifty 500 value 50 index fund 18100 units (Units transfered form Uti focused equity fund) 18)Uti mid cap fund 700 Units 19)Uti flexi cap fund 1000 Units 20)Uti Master Share Units 21)Uti nifty 50 equal weight index fund (Latest offer) Sbi infrastructure fund 500 units Following funds are all regular growth from Icici prudential fund. 1) Pharma health care & diagnostic fund 800 Units 2) Manufacturing fund 4300 units 3)India opportunities fund 2200 units 4) Flexi cap fund 5000 Units 5) Housing opportunities fund 2500 units 6) Balanced advantage fund 550 units 7)Psu equity fund 2800 units Sir I want to invest in Uti S&Phousing fund and Icici transaction & logistics fund 1000 units each.. Should I make some fresh investments or invest by transferring from existing Uti fund & Icici fund I am 75 years old. No urgent need of funds. Advise how-to proceed. Redy for taking risk.

Ans: Firstly, let me commend you for your disciplined approach towards investments. Your diversified portfolio reflects a well-thought-out strategy, which is commendable at any age, let alone at 75. It's heartening to see your willingness to adapt and continue investing even at this stage of life.

Given your age and risk appetite, while you're ready to take risks, it's crucial to balance it with the need for stability and liquidity. When considering adding new funds like Uti S&P Housing Fund and ICICI Transaction & Logistics Fund, you have two options: fresh investments or transferring from existing funds.

Transferring from existing holdings might streamline your portfolio, reducing the number of funds to manage. However, this could also entail exit loads or tax implications. On the other hand, fresh investments allow you to diversify further without disturbing your existing investments.

Considering no urgent need for funds, you might explore transferring from funds that might have underperformed or align less with your current investment strategy. Still, I'd strongly recommend consulting with a Certified Financial Planner to ensure a balanced approach that caters to your evolving needs while optimizing returns. After all, life is a journey, and managing your finances is a part of that journey, requiring both wisdom and adaptability.

..Read more

Money

Share

Latest Questions

Anu Krishna |1319 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 22, 2024

Question by Sukhvinder - Nov 16, 2024Hindi
Listen

My wife has a younger sister who is staying with her parents along with one son aged 12 years . She has troubled marriage from Day 1 though she is not divorced. She is non working. My In-laws are well off with Pension /rental income closing to 1.25 lacs/month from 3 properties worth 5.5 cr . Since sister in law is non -working , I have strong fear and hint that my in laws will give the major portion of property to her so as to give her sustainable rental income while my wife might get only 20% of property share . My wife has soft corner towards her sister and parents and i know she wont utter a word for this. I need to understand how can the interests of my wife be safeguarded with equal distribution of rights and property . Am also skeptical of my father in law putting legal document too with an arrangement as I mentioned above.

Ans: Dear Sukhviner,
Why should you have a strong fear? Is the money yours? Have you earned it? If your wife herself is not bothered by it, what makes you worry?
What you earn through your effort belongs to you and what is given to you is a bonus. So, do not bank much on that bonus as you have no control over it. Focus on your work and put in efforts in it.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Relationship

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 15, 2024Hindi
Listen

Epfo me father name mismatch hai kaisa hoga dahi

Ans: Hello;

To correct a mismatch in your father's name in your EPF account, you may;

1. Update online
Go to the "Manage" section in EPF portal, and update your father's name. Make sure the name matches with that in your Aadhar card. This request will have to be validated by your employer.

2. Submit a joint declaration
Submit a joint declaration with your employer to the Regional PF Commissioner. You will need to include valid supporting documents.

Best wishes;

...Read more

Money

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Question by guru - Nov 16, 2024Hindi
Listen

I have worked in 2 company's, at 1 company they remitted eps even though am not eligible for pension scheme becouse of higher wages, second company also contributed to eps, by submitting nesesary documents i withdrawn both epf and eps amount from both the accounts, now the problem is, if I started a new job in a company how can I approach the company to not contribute on eps, what if contribution was made again because of eps account? Please help me ????

Ans: Hello;

You can talk to the HR team of your new employer and discuss these aspects. Submit a written request over mail/letter, if need be.

Check with you peers in the new establishment.

Such errors are not expected from professional organisations.

Best wishes;

...Read more

Money

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Question by K - Oct 07, 2024Hindi
Listen

My details are not correct in my uan when I am trying to activate my uan it shows details are mismatched with aadhar...I need to recorrect it but my previous employer was not responding for the joint declaration form.....what i have to do now sir

Ans: Hello;

Get it corrected vide joint declaration through your current employer.

Best wishes;

...Read more

Money

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 17, 2024Hindi
Listen

Am 47 with a corpus of 5 crores spread across PF, NPS, PPF and Equity MF. Approximately 50% in MF and rest in debt instruments. Can I retire now considering a life expectancy of around 90 years. If I can retire how should I plan for my cash flow to provide for 12 lacs per year ? Flat is paid for and future expenses for the kids are included in this, future education also is a seperate corpus of fifty lacs additional planned for. Please advise.

Ans: Hello;
What is the extent of future expenses for kids included in the retirement corpus of 5 Cr?

Kindly clarify so as to advise suitably.

Thanks;

...Read more

Money

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Question by AV - Nov 21, 2024Hindi
Listen

Sir, we are 60+, my husband retired from IAF 15 years tenure, at present we get pension and rent our gross income is 12 l per annum. We live in rented accomadation. We have not finished our children marriage. Son 33 daughter 26. We don't have any other savings. Please guide us.

Ans: Hello;

If you begin with a monthly sip of 30 K in a combination of large cap fund and balanced advantage fund (50:50) then you may expect a corpus of,
25 L after 5 years
48 L after 8 years and
70 L after 10 years.

A return of 12% is considered.

Happy Investing;
X: @mars_invest

...Read more

Money

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Question by Rakesh - Nov 21, 2024Hindi
Listen

Sir I want to invest in mutual fund but I m confuse....what kind of fund I have to invest

Ans: Hello;

You should seek advice from a mutual fund distributor/certified financial planner to guide you to the most appropriate funds suited to you.

Happy Investing;

...Read more

Money

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 22, 2024Hindi
Listen

Best lumpsum equity investment... horizon> 5 years

Ans: Hello;

Honest answer: any top quartile flexi cap equity mutual fund that comprises a basket of stocks, rather then a single stock.

Happy Investing;

...Read more

Money

Share

Milind Vadjikar |680 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 15, 2024Hindi
Listen

Market gir raha hai kya mei apni SIP close Karu ya jaari rahku

Ans: Hello;

If your investment is for long term (5-7 yr+)then you should continue with your SIPs.

Your SIP is buying you more units in such downfalls.

Happy Investing;

...Read more

Money

Share

Radheshyam Zanwar |1056 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 22, 2024Hindi
Listen

My son secured CRL below 800 in Jee advance 2024 but did not take admission in IIT rather took admission in a third grade college and currently pursuing Btech CSE. I am worried about his future. Can he get success in future?

Ans: Hello.
You did not mention which IIT college and course your son was getting. You also did not mention which college he has been admitted to. It seems that there is a wide communication gap between you and your son. Surprisingly, a candidate getting admission to IIT rejected it and went to a 3rd-grade college (as per your opinion). You are also not clear about, what was role when your son was denied to take admission to IIT and chose a 3rd-grade engineering college. There are lots of possibilities that your son has been denied IIT college which can't be discussed on this public platform.
It seems that your son is a talented, hard worker which is already reflected in his JEE result, there is no need to worry about his future. These types of candidates are less dependent on the college and faculty. They have their inbuilt capability to learn and excel in the life. There is no need to worry much about the decision taken by your son. Just observe that, whether he is attending college regularly and engaged in extracurricular activities. If he scores well in CSE, a bright future is waiting for him. Remember, a job career is less dependent on the college name! Nowadays, show your extraordinary skills and get the job!

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

...Read more

Career

Share

See more questions »

Name of the Fund	Category	RankMF Star Rating
Snehasis Sengupta
HDFC SMALL CAP FUND-REGULAR GROWTH PLAN	Equity - Small cap Fund	2
L&T MID CAP FUND-REGULAR PLAN GROWTH	Equity - Mid Cap Fund	3
NIPPON INDIA LARGE CAP FUND GROWTH PLAN	Equity - Large Cap Fund	4
MIRAE ASSET LARGE CAP FUND-GROWTH OPTION	Equity - Large Cap Fund	4