Most of the Mutual Fund are manipulating the NAV Rate. They are issuing the units at 2 to 3% above than the rate on realization of Fund. Similarly on redemption NAV value much less than the ordered date NAV. Hence such situation, whom did I approach for correcting the actual NAV and how I can establish the NAV value. Heavy cheating is doing in this MF Investments.

Ans:

4-star rated funds can be continued. Sectoral funds and credit risk funds to be avoided at present and these can be considered:

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

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap and 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

Midcap: Suitable options considering quality and value for money at present levels are DSP Midcap and Axis Midcap

Ans: Better to shift to a banking and PSU fund or corporate bond fund, i.e,. 1) Aditya Birla Corporate Bond fund – Growth 2) HDFC Banking and PSU fund – Growth

Ans: Shifting investments in mutual funds requires careful consideration based on your financial goals, risk tolerance, and investment horizon. Here are some steps to guide you in making an informed decision:
• Assess your investment objectives and risk tolerance: Determine whether your primary goal is capital appreciation, income generation, or a combination of both. Also, evaluate your comfort level with market fluctuations and volatility.
• Review the performance of your current mutual fund: Analyze the historical performance of Nippon India MF and compare it with relevant benchmarks and peer funds. Consider factors such as returns, volatility, consistency, and fund manager expertise.
• Identify your investment preferences: Decide whether you prefer equity, debt, hybrid, or other types of mutual funds based on your risk appetite and investment horizon. Each asset class has its characteristics and potential returns.
• Consult with a mutual fund expert or financial advisor: Seek guidance from a Certified Financial Planner (CFP) who can analyze your financial situation, understand your investment objectives, and recommend suitable investment options aligned with your goals.
• Diversify your portfolio: Consider diversifying your investments across multiple mutual funds or asset classes to spread risk and enhance potential returns. A well-diversified portfolio can help mitigate the impact of market volatility and optimize returns over the long term.
• Monitor and review your investments regularly: Keep track of your investment portfolio's performance and make adjustments as needed based on changing market conditions, economic outlook, and your financial goals.
Regarding shifting your investment for better returns, it's essential to conduct thorough research and seek professional advice to ensure that any changes align with your financial objectives and risk profile. Additionally, past performance may not guarantee future results, so it's crucial to focus on the long-term prospects and fundamentals of the investment options you consider.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner

www.holisticinvestment.in

Ans: these both are not correlated always, NAV's are not live prices fyi

Ans: Your mutual fund selection shows good diversification across flexi cap and midcap. NYSE FANG Plus adds global exposure. However, overlapping styles and sector risk may exist. For accurate scheme evaluation, please consult a Certified Financial Planner and Mutual Fund Distributor.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment