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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 30, 2022

Mutual Fund Expert... more

Question by Ajay on May 30, 2022Hindi

Money

I have following monthly SIPs. Kindly advise should I continue in them:

DESCRIPTION Monthly SIP

IDFC Large Cap Fund Growth 5000.00

NPPON INDIA BALANCED ADVANTAGE FUND 5000.00

UTI Master share Unit scheme Regular Growth 5000.00

SBI Small Cap Fund regular Growth 5000.00

Kotak Standard Multicap Fund 1000.00

Mirae Asset Global Investment India pvt. Ltd 1000.00

Aditya Birla Sun Life Digital India Fund - Growth-Regular Plan 2000.00

Aditya Birla Sun Life Multi-Cap Fund Regular Growth 2000.00

Aditya Birla Sun Life Flexi Cap Fund - Growth-Regular Plan 2000.00

Aditya Birla Sun Life Equity Advantage Fund - Growth-Regular Plan 2000.00

Aditya Birla Sun Life Frontline Equity Fund -Growth-Regular Plan 2000.00

Canara Robeco 1000.00

Aditya Birla Sun Life Digital 1000.00

ICICI Prudential Technology 1000.00

Ans: Too many funds; consolidate it into 3-5 funds/schemes

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 Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 01, 2022

Question by Pradeep - Jun 01, 2022Hindi

Money

Kindly suggest your opinion on this. I have the following monthly SIPs: ADITYABSL MNC GR - 1000 BARODA BNP PAR MID CAP FUND GR - 3000 KOTAK EMERGINGEQUITY GR - 3000 SUNDARAM MID CAP GR - 2000 DSP SMALL CAP GR - 10000 L&T EMERGING BUSI RP GR -4000 QUANT SMALL CAP GR - 5000 MAHINDRA TOP250 NIV YOJ REG GR - 7500 UNION FLEXI CAP FUND - GROWTH - 5000 ADITYABSL PURE VALUE (G) - 1000 ICICI PRU FOCUSEQ (G) - 7500 INVESCOINDMULTICAP (G) - 1000 One Time investments: IDFC LARGE CAP (G) - 250000 UTI MASTERSHARE (G) - 250000 HDFC FOCUSED 30 (G) – 250000

Ans: All your funds are decent, however, TOO many. Restrict yourself to 3-5 funds not more than that!

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 17, 2020

Question by Vishal - Jan 17, 2020Hindi

Money

I am an SIP investor in Mutual Funds from past 3 years and below are my SIP investments per month: Name of the Fund Category RankMF Star Rating 1) NIPPON INDIA TAX SAVER (ELSS) FUND - GROWTH PLAN Equity - ELSS 2 2) IDBI Equity Advantage Fund - Regular Plan - Growth Equity - ELSS 4 3) ADITYA BIRLA SUN LIFE TAX RELIEF 96 FUND - GROWTH Equity - ELSS 4 4) MOTILAL OSWAL LONG TERM EQUITY FUND - GROWTH Equity - ELSS 5 5) Mirae Asset Emerging Blue chip Fund - Regular Plan Growth Option Equity - Large & Mid Cap Fund 4 6) AXIS BLUECHIP FUND - GROWTH Equity - Large Cap Fund 4 7) SBI BLUECHIP FUND -REGULAR PLAN - GROWTH Equity - Large Cap Fund 3 8) LNT Emerging Business Fund - Regular Plan - Growth Option Equity - Small cap Fund 2 9) SBI SMALL CAP FUND REGULAR GROWTH Equity - Small cap Fund 3 10) MOTILAL OSWAL NASDAQ100 FUND OF FUND - REGULAR GROWTH FoFs (Overseas) 4

Ans: 4 and 5 star funds can be continued, rest to be reconsidered

ELSS:

Canara Robeco Equity Tax Saver Fund - Growth
Axis Long Term Equity Fund - Growth
Motilal Oswal Long Term Equity Fund – Growth

Equity - Large Cap Fund:

Mirae Asset Large Cap Fund – Growth
Axis Bluechip Fund – Growth
LIC Largecap Fund – Growth

Small Cap:

Kotak Small Cap fund – Growth
Axis Small Cap fund - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 07, 2022

Question by RAKESHKUMAR - Dec 07, 2022Hindi

Money

My monthly SIP is as follows. Please suggest necessary changes if required. Looking for wealth creation or long term investment up to 15 years. SBI SMALL CAP FUND DIRECT GROWTH- 2000 SBI FOCUSED EQUITY DIRECT GROWTH - 4000 SBI FLEXICAP FUND DIRECT GROWTH - 2000 MIRAE ASSET EMERGING BLUECHIP FUND -2000 HDFC TOP 100 GUND – 2500

Ans: No change required

Ramalingam Kalirajan |7739 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

Asked by Anonymous - May 02, 2024Hindi

Money

Dear sir, I have following sip Hdfc defence 5000 Hdfc multicap 10000 Hdfc small cap 10000nippon small cap 15000 Sbi large and mid cap 5000 Hdfc balanced advantage fund lump sum 25000 Hdfc focused 30 fund lump sum 25000 Hdfc manufacturing fund lump sum 50000 Sbi conta fund lumpsum 1200000 Sbi psu fund lump sum 500000 Sbi energy opportunity fund lump sum 200000 Please advice

Ans: It's clear you've taken a proactive approach to investing, and you've built a diverse portfolio across various mutual funds. Let's assess your current holdings and provide some guidance.

Your SIPs in HDFC Defence, HDFC Multicap, HDFC Small Cap, Nippon Small Cap, and SBI Large and Mid Cap demonstrate a blend of large, mid, and small-cap exposure, which is commendable for diversification.

However, having multiple funds within the same fund house, such as HDFC, may lead to overlapping holdings and concentration risk. Consider diversifying across different fund houses to spread risk more effectively.

Your lump sum investments in HDFC Balanced Advantage, HDFC Focused 30, HDFC Manufacturing, SBI Contra, SBI PSU, and SBI Energy Opportunity Funds provide additional diversification across different investment themes and strategies.

While lump sum investments can be beneficial, especially during market downturns, it's essential to review your investment rationale for each fund and ensure they align with your long-term financial goals and risk tolerance.

Given the size of your lump sum investments, consider consulting with a Certified Financial Planner to assess if your portfolio is appropriately diversified and if any adjustments are needed to optimize returns while managing risk.

Additionally, periodically review your portfolio's performance and make necessary adjustments to stay aligned with your financial objectives and market conditions.

In conclusion, while your current investments showcase a diverse portfolio, consider diversifying across fund houses and regularly reviewing your holdings to ensure they remain aligned with your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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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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