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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 10, 2022

Mutual Fund Expert... more

Question by Uday on Jun 10, 2022Hindi

Money

As per my asset allocation, I have invested in debt funds. Now I understand that it will give me a meagre return due to rate hikes.

My investment is in:

ABSL Short duration fund

HDFC Short duration fund

ICICI Corporate Bond Fund

ABSL Liquid Fund

What is the way out for me? Should I exit?

Ans: Short duration is suitable for rising interest rate environment, so no need to exit.

Though I want to invest for the long term, I have my quota in equity MF. Hence do not want to invest more in equity MFs.

a) No issues

Also is it advisable to lock money in Bajaj Finance or HDFC FD now or one should wait for further rate increase?

b) Should wait for some time before taking any decision.

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 04, 2020

Question by Sanjay - Sep 04, 2020Hindi

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I have invested Rs.200000/- each in following debt funds during June 2020. Please guide whether I should continue investing in these funds. Or you have suggestions to switch to any other funds. 1. HDFC Corporate Bond Fund- Regular - Growth2. HDFC Short Term Debt Fund- Regular - Growth3. ICICI Prudential Saving Fund- Growth4. Kotak Dynamic Bond Fund- Regular-Growth5. L&T Trple Ace Bond Fund -Regular -Growth I am also doing SIP in Axis ESG Equity Fund- Growth for Rs. 10000/- pm. Moreover I have invested one time Rs. 100000/- in Tata Quant Fund-Growth whose value reduced below 80000/- now. Please give your valuable advice for the above all.

Name of the Fund	Category	Recommendations
Sanjay Acharya
1. HDFC Corporate Bond Fund- Regular - Growth	Debt - Corporate Bond Fund	SmartSwitch to ICICI Prudential Corporate Bond fund
2. HDFC Short Term Debt Fund- Regular - Growth	Debt - Short Duration Fund	Continue
3. ICICI Prudential Saving Fund- Growth	Debt - Low Duration Fund	SmartSwitch to Kotak Low Duration Fund Growth
4. Kotak Dynamic Bond Fund- Regular-Growth	Debt - Dynamic Bond	Continue
5. L&T Trple Ace Bond Fund -Regular -Growth	Debt - Corporate Bond Fund	SmartSwitch to ICICI Prudential Corporate Bond fund
Axis ESG Equity Fund- Growth	Equity - Thematic Fund - Other	Continue
Tata Quant Fund-Growth	Equity - Thematic Fund - Other	SmartSwitch to DSP Quant Fund - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 25, 2021

Question by Brahmendra - May 25, 2021Hindi

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Following are my investments on Debt Funds. Pls suggest for any changes required, in the debt fund category only pls as I have other investments in stocks and equity MFs. Investment horizon: 2 to 3 years. Invested a month back as lump sum on the below and no plans to increase the investment in this category in the near future. Thanks in advance. Best Regards, EDELWEISS BANKING AND PSU DEBT FUND - DIRECT PLAN -- 3 lakhs HDFC BANKING AND PSU DEBT FUND - DIRECT PLAN -- 2 lakhs ICICI PRUDENTIAL MEDIUM TERM BOND FUND - DIRECT PLAN -- 3 lakhs IDFC BANKING & PSU DEBT FUND - DIRECT PLAN -- 2 lakhs IDFC BOND FUND MEDIUM TERM PLAN - DIRECT PLAN -- 3 lakhs SBI BANKING & PSU FUND - DIRECT PLAN -- 2 lakhs SBI MAGNUM MEDIUM DURATION FUND - DIRECT PLAN -- 3 lakhs

Ans: These are fine schemes for debt portfolio for 2 -3 years, however better suited would have been Debt – Short Duration funds designed for 1 to 3 years.

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Head, Rank MF - Answered on Nov 04, 2022

Question by Sanjay - Nov 04, 2022Hindi

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My goal is long term 15 years and building wealth. I am 46 and have a medium to high risk profile. I Invest 3k to 5k in the following funds. Somewhere I have lost track and increased my portfolio and started investing in multiple funds (Direct and Regular). This was mainly due to switch between different fund houses. I know I messed a bit. Let me know to exit / rebalance. All funds started in 2016. Separately I have around 10L in debt funds. SIP and fund name - Direct MF 1. Nippon India large cap fund - 3k 2. L&T value fund growth - 3k 3. ICICI prudential bluechip - 3k 4. Mirae asset emerging blue chip - 5k 5. Axis long term equity - 3k 6. Motilal Oswal 25 fund - 3k 7. HDFC gold direct - 3k 8. ICICI prudential Pharma - 3k 9. Axis small cap growth - 5k 10. ICICI prudential US bluechip eq- 3k 11. ICICI prudential flexi cap - 3k 12. Nippon India Taiwan - 3k 13. HDFC hybrid - 5L no SIP.

Ans: Continue with 4, 5, 6, 9 and 10

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Mutual Funds, Financial Planning Expert - Answered on Jul 20, 2024

Question by Syed - Jul 19, 2024Hindi

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Thank you very much Sir for your valuable suggestions. I am stepping up my SIPS in every 6 months. My mutual fund portfolio is combined with Quant Small cap/2k, Nippon India Small cap/2k, Motilal Oswal midcap fund/1.5k, Nippon India large cap fund/1.5k, Parag Parakh Flexi cap fund/2k, Nippon India IT index fund/1k. Sir please suggest if it is alright. You have told about Debt fund. Which Debt fund is best for investment right now. Should I exit IT index fund? I would love to hear from you Sir.Thank you.

Ans: You are stepping up your SIPs every six months, which is excellent. Here's a look at your current portfolio:

Quant Small Cap Fund: Rs. 2,000
Nippon India Small Cap Fund: Rs. 2,000
Motilal Oswal Midcap Fund: Rs. 1,500
Nippon India Large Cap Fund: Rs. 1,500
Parag Parikh Flexi Cap Fund: Rs. 2,000
Nippon India IT Index Fund: Rs. 1,000
Portfolio Assessment
1. Diversification:

Your portfolio is well-diversified across small, mid, and large-cap funds. This is good for risk management.

2. IT Index Fund:

IT sector-specific funds can be volatile. Consider exiting the IT index fund. Redirect this amount to a more diversified or balanced fund.

Adding Debt Funds
1. Stability:

Debt funds provide stability to your portfolio. They are less volatile compared to equity funds.

2. Recommended Debt Funds:

Choose debt funds with a good track record and lower expense ratio. Look for funds investing in high-quality debt securities.

Final Suggestions
1. Exit IT Index Fund:

Reallocate the Rs. 1,000 from the IT index fund to a debt fund.

2. Add a Debt Fund:

Invest Rs. 1,000 in a suitable debt fund to balance your portfolio.

3. Continue Stepping Up SIPs:

Your strategy of stepping up SIPs every six months is commendable. It will help you reach your financial goals faster.

Your diversified approach is good, but exiting the IT index fund for a debt fund will add stability. Keep stepping up your SIPs and monitor your portfolio regularly for the best results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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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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