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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

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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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Head, Rank MF - Answered on Apr 11, 2022

Question by Venkata - Apr 11, 2022Hindi

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I am 49 years old. I have started investing in MF for a couple of years. Below is my portfolio. I can invest some more in SIPs. Please check and advise. Fund Plan SIP Status UTI FLEXICAP GROWTH Active MOTILAL OSWAL FOCUSED 25 FUND GROWTH Active ICICI PRUDENTIAL BLUECHIP FUND GROWTH Active AXIS ESG EQUITY FUND REGULAR GROWTH Active LNT INDIA VALUE FUND REGULAR PLAN-GROWTH OPTION Paused KOTAK FLEXICAP FUND GROWTH OPTION Stopped ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND GROWTH Stopped

Ans: Please continue with the active ones

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Head, Rank MF - Answered on Jan 04, 2021

Question by rohan - Jan 04, 2021Hindi

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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.

UTI Equity Fund – Growth
DSP mid cap Fund – Growth
Tata Large & Mid Cap Fund - Growth
Canara Robeco Emerging Equities – Growth

Above funds have decent exposure to Pharma, Banking and Technology

Rest of the funds are okay.

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Sep 26, 2022

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

Ans: Hello Ashwani, I can see over diversification with your current investments with 12k sip amount. I would suggest you to consolidate your mf investments and reshuffle the portfolio.

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Head, Rank MF - Answered on Oct 19, 2022

Question by A - Oct 19, 2022Hindi

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I have following SIP from last 4 years and would like to know whether to switch to any other funds? I'm 34 now and want to continue investing in MF for the next 10 to 15 years. 1. Axis Long Term Equity Fund - Rs 5000 Monthly 2. Aditya Tax Relief 96 - Rs 500 (It was 3K per month, but now reduced to 500) 3. Axis Blue chip Fund - Rs 5000 4. LT Mid cap Fund - 3000 5. Kotak Emerging Equity Fund - 5000 6. Mirae Tax Save - Rs 1000 7. Axis Small Cap Fund - Rs 1000 8. SBI Small Cap Fund - Rs 500

Ans: You may keep one ELSS, rest are fine

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Ramalingam Kalirajan |8102 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi

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Hello sir, I am 50 age and investing in the below funds by sip mode: Nippon india large cap - 2000 pm Nippon india multi cap - 2000 pm Nippon india small cap - 2000 pm ICICI prudential flexi cap - 2000 pm MO midcap fund - 2000 pm Mahindra ML large & midcap - 2000 pm Uti nifty 50 index - 1500 pm ICICI Pru nifty next 50 index - 1500 pm Nippon IT index - 1500 pm ICICI bse sensex index - 1500 pm ICICI Pru multi asset allocation - 5000 pm DSP multi asset allocation - 1000 pm SBI retirement aggressive - 1000 pm HDFC balanced advantage - 2500 pm Can I continue the above for the next 10 years OR is there a need for any changes to be made. My current MF investment stands at 20 L Looking forward to you advise please.

Ans: You are investing in a diverse set of funds across multiple categories. It is important to check if your portfolio is well-balanced, tax-efficient, and aligned with your risk appetite.

Fund Overlap and Diversification
You have too many funds in the same category.

Multiple large-cap, multi-cap, and index funds create unnecessary duplication.

A smaller, well-chosen portfolio will improve returns and reduce complexity.

Index Funds in Your Portfolio
You are investing in four index funds.

Index funds lack downside protection in market crashes.

Actively managed funds have better potential to beat the market.

Consider reducing index fund exposure to improve returns.

Sector and Thematic Funds
You have a technology sector fund.

Sector funds can be high-risk, as they depend on one industry’s performance.

A diversified portfolio is better than relying on a single sector.

If held, sector funds should be less than 10% of the total portfolio.

Multi-Asset and Hybrid Funds
Multi-asset funds help in balancing risk with exposure to equity, debt, and gold.

You have three multi-asset funds, which may be too many.

It is better to consolidate and hold only one or two of the best-performing funds.

Retirement Fund and Balanced Advantage Fund
SBI Retirement Aggressive Fund is designed for long-term wealth creation.

HDFC Balanced Advantage Fund helps in managing market volatility.

These funds are suitable for investors above 50, as they lower risk.

Recommended Changes
Reduce fund duplication by keeping only one multi-asset fund.

Exit some index funds and switch to actively managed funds.

Limit sector funds to a small portion of your portfolio.

Continue investing in flexi-cap and balanced advantage funds for long-term stability.

Final Insights
Your portfolio has good diversification but can be simplified.

Reducing overlapping funds will improve returns and ease tracking.

Shifting from index funds to actively managed funds may provide better growth.

Holding for 10 years is a good strategy, but regular rebalancing is needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ans: The following options are available for higher education:

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2. MSc in Biotechnology
3. MSc in Applied Microbiology
4. MSc in Medical Microbiology
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Before choosing any course, it's important to keep in mind that meeting eligibility requirements is just the first step. I suggest he pursue internships in industries that align with his future goals. Here are some tailored suggestions based on his interests:

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Ans: IISER is a better known college and is good for research and pure science. But let him check what area is he interested in and then decide.

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Asked by Anonymous - Mar 14, 2025Hindi

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I am a professional with 19 yrs of work experience in Banking and financial industry in India. Want to explore if at the age of 40 and being single, which country is best to relocate with much stable job opportunity as per my work experience of Indian Banking system with a minimum salary of 50 lac p.a

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Question by Tanvir - Mar 13, 2025

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Mera tin mahine baad jisse shaadi hone waali he uska pahle ek ladke se affair tha. Halanki meri fiency padhi likhi he aur job karti.Un dono ke bich me sex relation bhi ho chuka tha jab maine usse iske baare me puchha to usne kaha ki ye pahle ki baat ab mera usse koi wasta nhi he.lekin mujhe lagta he ki uska abhi uske relation me he .kya mujhe usse shadi karni chahiye

Ans: Dear Tanvir,
Pichli baatein ko wahin rakhna chahiye jahaan pe woh hue the. Usko aaj ke tareek mein baar baar doharaane se aapa aaj bigad sakta hai aur aapke mann mein shanka badhti hi jaayegi. Jab aapki fiancee keh rahi hain ki yeh pehli baat hai, ya toh aap is baat par vishwaas kare ya na kare, yeh aap pe nirbhar hai. Agar aap shaq karna chahte hain toh bahut baatein hai is baat ko saabit karne ke liye par agar aap is baat ko bhi peeche rakhke aage badhna chahte hain toh yeh bhi ho sakta hai par uske liye aap ko aapki fiancee par vishwaas karna padega aur unki baaton par. Shaq ki nazron se kuch bhi dekhoge toh shaq hi saamne nikalke aayega. Ab aap ka chunenge?

All the best!
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Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Mar 14, 2025

Asked by Anonymous - Mar 11, 2025

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Hello, I am 32 year male, got married last year almost a year now. My wife has not been able to perform intercourse with me since our marriage, we both are virgin. She is having fear of penetrating and also even if I try to perform fingerring, she feels pain and feels irritation there. We both are happy couple but I am worried how to go ahead as I already tried water based lubricant, forplay everything. Please suggest.

Ans: Dear Anonymous,
If all is well medically, then the only thing that can stop a couple from getting sexually intimate are fears of what intercourse really is. Focusing on sex especially since this is the first time for the both of you CAN put you under tremendous stress. Instead focus on connecting first with each other. Emotional bonding through love, care and affection can allow for a lot of non-sexual intimacy first. Keep at this until you get comfortable with one another and then you take things to the next level that will ease you both into sexual intimacy.
Being in LOVE and a very close emotional connect can actually be huge boosters into getting intimate and ease you two into sex.

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Mar 14, 2025

Asked by Anonymous - Mar 12, 2025Hindi

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What are possibilities of getting maintenance for a working woman (with a kid) from husband . My husband has abandoned us since birth of my daughter 4years. Not taking the child's responsibility. Husband says as I am earning I should take care of financial requirement of the child too. I am doing extra duties/ work just to take care of my daughter's education and future. As I am a healthcare professional my work consists of night duties. These duties are taking toll on my health and also my daughter's . People are saying as I am a working woman I can't claim maintenance from husband. But taking care of young child is more difficult with working. I just can't leave my job , just to show nil income to claim maintenance as no one is there to support me and my daughter. Hiring a nanny , maid etc along with rent comes around 85k per month apart from school expenses. As I live in metropolitan city. Husband earns more than me but transfers money to his mother's account.He has taken me granted financially since marriage.Not able to save anything for the future. Don't have any property on my name .

Ans: Dear Anonymous,
This is a question for a legal expert; so go ahead and seek the guidance of someone who can handle your case. Along with this, you will have to think of a good balance that will allow for you to manage work and home plus your health.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Mar 14, 2025

Question by Sanjay - Mar 12, 2025Hindi

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Hello Madam, Request your guidance on query on behalf of my friend - On 2-3 occassions money has been stolen from friend's wallet, he has doubt on his uncle's son staying in their house but not sure...please advise !!

Ans: Dear Sanjay,
What would you do if something like this happened in your house? Suggest the same to your friend.
But also, before accusing or doubting someone, please make sure that your friend has not misplaced the money.

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2025

Asked by Anonymous - Mar 14, 2025Hindi

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Hello sir, I am planning to buy a flat, with some stock sale proceeds and bank loan. Can I claim section 54F, for the entire registration amount for a flat, along with registration fee ? Or bank loan part is not considered

Ans: Eligibility for Section 54F
Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
Treatment of Bank Loan Under Section 54F
Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
Section 54F helps save tax if proceeds are fully reinvested.
The bank loan portion does not qualify for exemption.
Registration costs can be included but only if paid from capital gains.
Ensure compliance to avoid future tax liabilities.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

See more questions »

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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