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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Dec 14, 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 Rajesh on Dec 14, 2022Hindi

Money

Dear Nikunj, I am 46 years old and I have taken mf and I am continuing SIP since five years as follows:

HDFC ELSS -1500

ICICI prudential Multicap - 2000

HDFC Top 100 growth -2000

AXIS Focused 25 -2000

So suggest me should I continue or switch to some other fund. I want 25 Lakh fund in another 7 to 8 years

Ans: Hello Rajesh Khanna. Based on the current diversification of your portfolio, I would recommend reconsidering HDFC Top 100 fund sip. As an additional option for 25 lakh investments, you may consider midcap, smallcap, flexicap, and large-cap funds.

Furthermore, you can invest via STP instead of the lump sum in order to benefit from future market volatility.

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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I have SIP in following funds since last 3 years should i continue or switch: 1.ABSL Pharma fund growth 2.ABSL digital fund growth 3.ABSL low duration fund 4.ICICI asset allocator fund 5.SBI Banking and finance fund 6.ABSL Banking and finance fund

Ans: In Large Cap: Axis Bluechip Fund - Growth is a better option

Too many Sectoral Funds; the risk of concentration is high; instead diversified funds are better option.

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Question by Ashwani - Sep 26, 2022Hindi

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Good morning sir, I am investing since 4 years in MFs. Sir, I am investing 12000 /month and have a plan to invest next 5 years. May I continue these SIPs? Or is there any requirement to change? 1. Franklin india smaller cap fund-1000 2. HDFC hybrid equity fund -1000 3. HDFC mid cap opportunity fund -1000 4. ICICI prudential long term -1000 5. Invasco india Contra fund-1000 6. Kotak flexi cap regular growthfund -1000 7. Nippon india small cap fund growth -1500 8. SBI blue chip fund-2500 9. SBI megnum children benifit fund -2100

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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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