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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Oct 21, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by Rohan on Oct 21, 2022Hindi

Money

Myself Male/ Married (3yr old son) / Age 34

I have no liabilities or loans. My Monthly in hand salary is INR 90k. I am investing a monthly sip of 17k & can add another 3K Sip in the Midcap Category (Kindly suggest I have Axis Mid cap in mind).

Can invest for another 15 years (as son turns 18 years); Target of 1.5 Cr to 2.0 Cr. Yearly increment of SIP 20%.

I am an moderate risk taker in nature & my MF portfolio:

Total Value: ₹5,53,146

Invested: ₹4,35,985

Current Return: ₹ 1,17,161 13.91% (XIRR)

Mirae Asset Emerging Bluechip: (Large & Midcap) /SIP / 5000

Mirae Asset Hybrid Equity Fund: (Aggressive Hybrid) /SIP / 4000

Axis Bluechip: (LARGECAP) /SIP / 3000

UTI Flexi Cap Fund: (FLEXICAP) /SIP / 5000

Ans: Hi Rohan Das. Considering your requirements and risk appetite, your portfolio is well-positioned. Since you have already invested in Axis Bluechip and AMC diversification is also essential, I recommend investing in schemes other than Axis Mid Cap Fund.

The amount of your SIP can be increased up to 25k based on your child's educational goals.

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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Question by Manav - Nov 04, 2022Hindi

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I have been following your articles rigorously and I would highly appreciate it if you can provide your valuable feedback. I am 30 years of age and my monthly compensation is 2L. I have recently started investing in MF. I don't have any loan/EMI and my ongoing SIP is Rs 60,000. I have an appetite for moderate-high risk. Further, I have savings of 15L which I want to invest in a lump sum and need a substantial return in the next 3-5 years with low-moderate risk Below is my portfolio: Parag Parikh Flexi Cap -- 25k Canara Robecco bluechip equity -- 15k Quant Tax Plan -- 5k Quant Active Fund -- 10k Canara Robeco Small Cap -- 5k Kindly advise whether to hold, redeem or change with new funds. Thanks.

Ans: Please continue; funds are good. The lump sum of Rs. 15 lakh can be invested in short duration funds 0f Aditya birla and HDFC mutual fund.

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Asked by Anonymous - Feb 15, 2024Hindi

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Hi, pls review my MF portfolio, all Direct Growth option, 25K/m in all. I am 42yrs & working in Pvt Sector. 1. Quant ELSS Tax Saver (2000/m) 2. SBI Long Term ELSS (4500/m) 3. Mirae Asset ELSS Tax Saver (2000/m) 4. PPFAS ELSS Tax Saver (1500/m) 5. Quant Small Cap (3500/m) 6. Quant Flexi Cap (2000/m) 7. Quant BFSI Fund (5000/m) 8. Axis NPS (E)38%-(C)24%-(G)38% (4170/m). I am also a regular contributor to EPF (2 lakh+ current balance). I am OK with High- Very high risks as I don't have any liquidity commitment in next 6 yrs. From 7th Yr my daughter's Higher Education starts and by 15 yrs from now, her marriage. Also, I want to achieve a corpus of 2 Cr in next 15 yrs. I am planning a "stepup" of 5k/m every year. Please review my financial plan whether I am on right track and suggest accordingly.

Ans: You need to evaluate your goals vis-a-vis your income , expenses and other parameter. we would recommend that you approach a qualified professional to achieve your objective as its difficult to evaluate your financial health with inadequate information.

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Mutual Funds, Financial Planning Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

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Hi Ulhas, i am 44 years of age and have been investing in MF since Feb 2021, presently I am investing a monthly SIP of 5.5 Lakhs in the following 11 funds each with a monthly SIP of 50 K in direct funds, please check whether my portfolio requires any changes. I am an aggressive investor with more than 10-15 years of long-term horizon. 1. parag parakh flexi cap fund. 2. Mirae Large & Mid Cap fund. 3. Axis growth opportunities fund. 4. SBI Multi Cap Fund. 5. Mirae Mid Cap fund. 6. Quant Active Fund. 7. Canara Robeco Small Cap fund. 8. Tata Small Cap Fund. 9. HDFC Multicap fund. 10. Edelweiss Midcap Fund. 11. Kotak Multicap fund.

Ans: Investing Rs. 5.5 lakhs monthly across 11 funds is impressive. Your aggressive approach matches your 10-15 years horizon. Let’s analyse your portfolio and suggest improvements.

Strengths of Your Current Portfolio
Well-Diversified Across Categories: Your funds span large-cap, mid-cap, small-cap, and flexi-cap categories.

Aligned with Aggressive Strategy: The portfolio leans towards mid-cap and small-cap funds. These suit long-term aggressive investors.

Consistent Contributions: High SIP commitment ensures disciplined wealth creation over time.

Areas of Concern
Over-Diversification: Investing in 11 funds dilutes potential returns. Similar categories may overlap.

Direct Funds Approach: Direct plans lack professional guidance for portfolio review and rebalancing.

Small-Cap Heavy Allocation: Multiple small-cap funds increase risk in volatile markets.

Multiple Multicap Funds: Holding three multicap funds may result in duplication of stocks.

Suggestions for Portfolio Optimisation
Limit the Number of Funds
Reduce the number of funds to 5-7. This avoids over-diversification.

Retain one strong performer from each category: large-cap, mid-cap, small-cap, flexi-cap, and multicap.

Avoid Category Duplication
Retain only one fund each in small-cap, mid-cap, and multicap categories.

Choose funds with consistent past performance and fund house credibility.

Focus on Actively Managed Funds Through MFD
Direct funds lack professional advice.

Investing through an MFD with a Certified Financial Planner ensures expert guidance.

MFDs monitor market conditions and align your portfolio for optimal returns.

Reassess Risk Allocation
Small-cap funds should be limited to 10-15% of your portfolio.

Mid-cap funds can constitute 25-30% for higher growth potential.

Allocate 25-30% to large-cap or flexi-cap funds for stability.

Periodic Review and Rebalancing
Review your portfolio every six months or annually.

Rebalance to maintain your desired asset allocation.

Track fund performance and exit underperformers promptly.

Tax Implications to Consider
Long-term capital gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains are taxed at 20%.

Diversifying across equity and hybrid funds can optimise tax outflow.

Benefits of Reduced Fund Count
Simplified portfolio management.

Improved tracking of individual fund performance.

Higher potential for compounding due to concentrated allocation.

Recommended Allocation for Aggressive Investors
Large-Cap/Flexi-Cap Funds: Stability with market participation.

Mid-Cap Funds: Balance between risk and growth.

Small-Cap Funds: High-risk, high-reward potential.

Multicap Funds: Flexible allocation across market capitalisations.

Final Insights
Your portfolio reflects strong financial discipline and long-term vision. However, over-diversification dilutes growth. Streamline your funds for focused performance. Professional guidance ensures optimal fund selection and timely rebalancing. Stick to your SIPs to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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