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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 29, 2019

Mutual Fund Expert... more
Mrinal Question by Mrinal on Nov 29, 2019Hindi
Money

Dear Sir, I have following mutual funds: Please comment whether I shall sell or retain.

  • ABSL Equity fund growth
  • HDFC Equity fund growth
  • ICICI Pru Nifly Index Growth
  • ICICI Pru Infrastructure Growth
  • SBI Focused Equity Fund Growth
        UTI Master Share
  • UTI MNC Fund
  • Magnum Taxgain
  • Sundaram Infrastructure
  • ABSLMidcap Growth
Name of the Fund Name of the Fund RankMF Star Rating
ABSL Equity fund growth Equity - Multi Cap Fund 4
HDFC Equity fund growth Equity - Multi Cap Fund 4
ICICI PruNifly Index Growth Index Funds - Nifty 4
ICICI Pru Infrastructure Growth Equity - Sectoral Fund - Infrastructure 2
SBI Focused Equity Fund Growth Equity - Focused Fund 4
UTI Master Share Equity - Large Cap Fund 5
UTI MNC Fund Equity - Thematic Fund - MNC 3
Magnum Taxgain Equity - ELSS 3
Sundaram Infrastructure Equity - Sectoral Fund - Infrastructure 2
ABSLMidcap Growth Equity - Mid Cap Fund 2

Ans: You may continue with funds with 4 and 5 star rated, sector funds to be avoided and good funds in Multicap , Focused and Mid cap should be invested in.

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

ELSS: Suitable options considering quality and value for money at present levels are Motilal Oswal Long Term Equity – Growth

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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Hardik

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I have the following mutual fund. Please suggest whether to hange to other fund or hold the sameName of fund Units Rate on Purchase Purchase Single investment 30.4.23 Rate Date SBI Focused Equity Fund Regular Growth 645 217.73 227 4.8.22 SBI Blue Chip Fund Regular Plan Growth 822 61.75 60.84 4.8.22 SBI Multicap Fund Regular plan Growth 34953 10.05 10.59 4.8.22 HDFC Tax Saver Direct Plan Growth Option 40000/- 9.3.20 HDFC Developed World Indexes FundOf Fund 50000/- 21.10.21 HDFC Equity Savings Fund Direct Plan Growth 70000/- 21.10.21 HDFC Nifty Next50Index Fund direct growth 50000/- 3.11.21
Ans: Hello,

I understand that you have invested in multiple mutual funds and are seeking advice on whether to hold or change your investments. As a financial advisor, I would like to offer you some guidance on this matter. Please note that my suggestions are based on general principles and not specific to your financial goals or risk tolerance.

SBI Focused Equity Fund Regular Growth: This fund primarily invests in a concentrated portfolio of equity and equity-related securities. As the name suggests, it is a focused fund with exposure to a limited number of stocks. If you're comfortable with the risk associated with concentrated portfolios and believe in the fund manager's stock-picking ability, you can continue to hold this fund.
SBI Blue Chip Fund Regular Plan Growth: This is a large-cap fund that invests in well-established companies. Large-cap funds typically offer stability and lower volatility compared to small and mid-cap funds. If you are looking for a relatively safer equity investment, you can hold on to this fund.
SBI Multicap Fund Regular plan Growth: Multicap funds invest across market capitalizations, providing diversification benefits. If you want to maintain a balanced exposure to various market segments, you may continue to hold this fund.
HDFC Tax Saver Direct Plan Growth Option: This is an Equity Linked Saving Scheme (ELSS) that offers tax benefits under Section 80C of the Income Tax Act. The lock-in period for ELSS funds is 3 years, and if you're looking for tax-saving investment options, you can consider holding this fund.
HDFC Developed World Indexes Fund of Fund: This fund provides international diversification by investing in developed market equities. If you want to diversify your portfolio beyond Indian equities, you can hold this fund.
HDFC Equity Savings Fund Direct Plan Growth: This fund invests in a mix of equity, debt, and arbitrage opportunities, making it suitable for investors with a moderate risk appetite. If you are looking for a balanced fund with a mix of asset classes, you can continue to hold this fund.
HDFC Nifty Next 50 Index Fund Direct Growth: This passive fund tracks the performance of the Nifty Next 50 index. If you are interested in low-cost index funds and believe in the potential of the next 50 large-cap companies, you can hold this fund.

In conclusion, your current mutual fund portfolio appears to be reasonably diversified across asset classes and investment styles. However, it is essential to periodically review the performance of each fund and align them with your financial goals and risk tolerance.

Please consult a financial advisor who can provide personalized advice based on your specific needs and circumstances.

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Milind

Milind Vadjikar  |1071 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 30, 2024

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Hi Myself Sanjeev Kumar from Himachal Pradesh, I am in mutual funds from last 3 years on below mutual funds 1. Aditya birla multicap fund (regular growth) ---- Rs 1000 monthly 2. Invesco India flexi Cap fund (Plan growth) ------ Rs 1000 monthly 3. Invesco India Multicap fund (regular growth) ---- Rs 1000 monthly 4. Kotak multicap fund (regular) ------------------------- Rs 1000 monthly 5. Kotak emerging equity fund (growth) --------------- Rs 1000 monthly 6. Kotak ELSS tax saver fund ------------------------------- Rs 500 monthly 7. Union tax saver fund (ELSS) ---------------------------- Rs 1500 monthly 8. Bandhan Nifty 200 momentum 30 index fund (regular plan) --- Rs 1000 monthly (started a month ago) Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPD ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Si/mam i want to ask is my portifoilio good enough to produce at least 60- 70 lakhs in next 10-12 years returns or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks
Ans: Hello;

Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

LIC policy maturity sum and NPD will be bonus.

Funds are good. No need to change.

Happy Investing;

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Ramalingam

Ramalingam Kalirajan  |8058 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

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Please advise on below stocks and Mutual funds..To hold or Exit? RAIL VIKAS NIGAM RITES BEL NMDC IRCTC HAL RAILTEL IRCON RECL BATA TEXMACO RAIL IRFC GAIL FEDERAL BANK UGAR SUGAR SHRIRAM FINANCE RIL INFOSYS MUTUAL FUNDS KOTAK NIFTY50 INDEX FUND NIPPON INDIA NIFTY SMALL CAP 250 INDE FUND ICICI PRUDENTIAL NIFTY MID CAP 50 INDEX FUND HDFC NIFTY SMALL CAP 250 INDEX FUND SBI PSU FUND MOTILAL OSWAL MID CAP FUND HDFC SMALL CAP FUND HDFC MID CAP OPP FUND KOTAK MULTICAP FUND ADITYA BIRLS SUN LIFE TRANSP AND LOG FUND KOTAK TRANSP AND LOG FUND ICICI PRUDENTIAL RURAL OPP FUND
Ans: Your portfolio consists of multiple stocks and mutual funds. Let’s evaluate them carefully.

Direct Stocks – High Risk, Uncertain Returns
Direct stocks need constant tracking and deep research.

Some stocks in your portfolio are from cyclical and PSU sectors.

PSU stocks depend on government policies and market cycles.

Individual stock risk is high without proper diversification.

Holding too many stocks makes monitoring difficult.

Issues with Individual Stocks
Rail Vikas Nigam, RITES, IRCTC, RailTel, Ircon, Texmaco Rail, IRFC – Rail sector depends on government policies. Profits can be inconsistent.

BEL, HAL, NMDC, GAIL, RECL – PSU stocks can give good dividends but face operational challenges.

Federal Bank, Shriram Finance – Financial stocks depend on interest rates and economic conditions.

Ugar Sugar – Sugar stocks are highly cyclical and influenced by government pricing policies.

Bata – Consumption stocks are stable but need consistent revenue growth.

Reliance, Infosys – Strong large-cap companies with long-term potential.

Recommendation on Stocks
Reduce exposure to PSU stocks as they depend on government decisions.

Keep strong private-sector companies with long-term growth potential.

Banking and finance stocks require close monitoring of interest rate trends.

Selling weaker or cyclical stocks and moving to mutual funds is better.

Mutual Fund Portfolio – Better Diversification, Lower Risk
Mutual funds are professionally managed and diversified.

They reduce risk compared to holding individual stocks.

Actively managed funds have potential to outperform.

Investing through a Certified Financial Planner helps in fund selection.

Issues with Your Mutual Fund Selection
Index funds – Nifty and small-cap index funds lack active fund management. They mirror market performance but cannot beat it.

Sectoral Funds (PSU, Transport & Logistics, Rural) – High-risk category as they depend on one sector's performance. Not suitable for all investors.

Mid and Small-Cap Funds – These have growth potential but also higher volatility.

Multi-Cap Funds – Offer diversification across market capitalizations.

Recommendation on Mutual Funds
Avoid index funds as they cannot outperform actively managed funds.

Reduce exposure to sectoral funds unless you understand sector risks.

Focus on actively managed diversified funds for stable growth.

Increase allocation to flexi-cap, large-cap, and multi-cap funds.

SIPs in mutual funds ensure disciplined long-term wealth creation.

Final Insights
Reduce direct stock exposure and shift to well-managed mutual funds.

Avoid index funds, as active funds have higher return potential.

Stay diversified and avoid sector-specific concentration.

Invest through a Certified Financial Planner for a structured plan.

Regularly review your portfolio and rebalance when needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Dr Upneet

Dr Upneet Kaur  |9 Answers  |Ask -

Marriage counsellor - Answered on Feb 27, 2025

Asked by Anonymous - Feb 22, 2025Hindi
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I am a 31-year-old woman, married for 5 years, with a 3-year-old daughter and a 1-year-old son. I got married in 2019 at the age of 26, while my husband was 28. Both of us are entrepreneurs and have been running a coal business. Unfortunately, when COVID hit in 2020, our business faced significant challenges, and we have struggled to recover since then. As a result, we moved in with my in-laws. During this transition, I had my daughter and son. We've been actively trying to start a new business, but it hasn't quite come together yet. My husband recently found a job that he loves, although it doesn't pay well enough to allow us to move out. He seems content in this position because it's close to home and aligns with his passion. However, I feel frustrated because when I suggest he look for a higher-paying job to improve our situation, he is hesitant since he’s focused on pursuing what he loves. Living with my in-laws has been challenging, as our relationship has had its difficulties from the start. I'm concerned that they are unintentionally affecting my children's perspective on parenting, and they aren't able to care for the kids regularly so I can explore job opportunities, including remote work. I often feel trapped and hopeless but recognize that leaving this situation isn’t viable financially. Returning to live with my parents is also not an option due to the complicated dynamics there. Despite these challenges, I want to find a way to navigate my feelings of isolation and make progress. I would appreciate any advice or constructive suggestions on how to improve our situation and create a more supportive environment for my family and myself. Thank you.
Ans: Hello mam
I am sorry to hear about the loss your business made in covid. That time was a real challange for all of us.
Lets focus on your problem now. Mam, as now you are living with your in laws, I am sure your husband must be feeling bery secure and happy. But you may have some challanges. Diffrence of opinion always occur in joint families specially when parenting of kids are involved coz they want to raise your kids according to them which can sometime create conflicts Between the family members. Tou can discuss the matter with your husband without blaming anyone and then with his help you can talk to your in laws to support a little bit so that you can also search further for a job. This will increase your satisfaction level and you ll be happy in your family.
Think about it and try this out. I am sure it will work. Plz do tell me your feedback. Take care !
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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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