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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 26, 2021

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Srinivas Question by Srinivas on May 26, 2021Hindi
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pl find below investments of four persons in our family in mutual funds.

1) axis dynamic fund 4254 units

2) axis bluechip 5833 stp of Rs 10000 monthly from axis dynamic fund

3) aditya birla corporate fund -7462

4) aditya birla balance advantage fund- 719

5) aditya birla flexicap fund - 537

6) canara robeco short duration fund - 7807 stp of Rs20000 to canara bluechip

7) canara blue chip fund - 4902

8) canara income fund - 4343

 9) dsp equity opp fund - 733

10) dsp shortterm fund - 1287

11) franklin us feeder opp fund -2076

12) icici blue chip fund - 60401

13) icici short term fund - 41417

14) us bluechip fund - 9198

15) equity and debt fund- 3651

16) balance advnatage fund- 4242

17) regular savings fund- 202

18) idfc banking &psu fund- 8352

16) kotak dynamic bond fund- 7429

17) parag flexi cap fund- 718

18) hdfc equity hybrid fund- 6523

19)  shortterm fund- 67090

20) corporate bond fund- 33595

21) l&t shortterm fund- 6995

22) flexi bond fund - 39600

23)sbi magnum income fund- 6906 stp of Rs10000 per month to equity hybrid fund

24)     bluechip fund- 3928

25) shorterms fund - 4915

26)  equity hybrid fund - 1084 sip pf Rs 5000 per month

27) mirae large cap fund- 10375 sip pf Rs 10000 per month 

 28)  bluechip '  - 6581        

29) mirate shortterm fund- 33279

30) motilal dynamic fund- 14254

31) focused 25 fund- 4867 sip of Rs5000 per month

32) flexi cap -35 fund - 6662 sip of Rs 10000 per month

33)motilal nasdaq fund- 22844

34) nippon small cap fund- 3102

35)sundaram corp fund- 7970 

 pl advice on consolidation .

Ans: Too many funds, almost all stocks available are there in this combined portfolio. Overdiversification is killing the performance; at present markets are high, so it would not have impacted, however in the downturn it will underperform hugely.

Kindly break the portfolio person wise along with age of the person and share details

Equity / Hybrid Schemes and Couple of Debt funds should be sufficient for each person.

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

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 26, 2021

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pl find below investments of four persons in our family in mutual funds. 1) axis dynamic fund 4254 units 2) axis bluechip 5833 stp of Rs 10000 monthly from axis dynamic fund 3) aditya birla corporate fund -7462 4) aditya birla balance advantage fund- 719 5) aditya birla flexicap fund - 537 6) canara robeco short duration fund - 7807 stp of Rs20000 to canara bluechip 7) canara blue chip fund - 4902 8) canara income fund - 4343  9) dsp equity opp fund - 733 10) dsp shortterm fund - 1287 11) franklin us feeder opp fund -2076 12) icici blue chip fund - 60401 13) icici short term fund - 41417 14) us bluechip fund - 9198 15) equity and debt fund- 3651 16) balance advnatage fund- 4242 17) regular savings fund- 202 18) idfc banking &psu fund- 8352 16) kotak dynamic bond fund- 7429 17) parag flexi cap fund- 718 18) hdfc equity hybrid fund- 6523 19)  shortterm fund- 67090 20) corporate bond fund- 33595 21) l&t shortterm fund- 6995 22) flexi bond fund - 39600 23)sbi magnum income fund- 6906 stp of Rs10000 per month to equity hybrid fund 24)     bluechip fund- 3928 25) shorterms fund - 4915 26)  equity hybrid fund - 1084 sip pf Rs 5000 per month 27) mirae large cap fund- 10375 sip pf Rs 10000 per month   28)  bluechip '  - 6581         29) mirate shortterm fund- 33279 30) motilal dynamic fund- 14254 31) focused 25 fund- 4867 sip of Rs5000 per month 32) flexi cap -35 fund - 6662 sip of Rs 10000 per month 33)motilal nasdaq fund- 22844 34) nippon small cap fund- 3102 35)sundaram corp fund- 7970   pl advice on consolidation .
Ans: Too many funds, almost all stocks available are there in this combined portfolio. Overdiversification is killing the performance; at present markets are high, so it would not have impacted, however in the downturn it will underperform hugely.

Kindly break the portfolio person wise along with age of the person and share details

Equity / Hybrid Schemes and Couple of Debt funds should be sufficient for each person.

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Ramalingam

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I have following MF investments all regular growth all purchases on initial offer of ten rupees. 1) Aditya Birla Sun Life focused equity fund -1200 units 2)Dsp world gold fund -500units 3)Hdfc banking financial services fund 1200. Units 4) Hdfc defence fund 1000units 5)Hdfc flexi cap fund 50 units 6)Hdfc mid cap opportunity fund 260 units. 7) Hdfc flexi cap fund 30 units 8)Hsbc value fund 450 units 9)Hsbc elss fund 500 units 10) Kotak global innovation fund 1200units 11)Kotak international REIT fund 500 units 12) Kotak flexi cap fund 260 units 13)Nippon India low duration fund 10 14)Sbi blue chip fund 1000 units 15) Sundaram focused fund 1300 units 16)Tata mid cap growth fund 350 units 17)Uti nifty 500 value 50 index fund 18100 units (Units transfered form Uti focused equity fund) 18)Uti mid cap fund 700 Units 19)Uti flexi cap fund 1000 Units 20)Uti Master Share Units 21)Uti nifty 50 equal weight index fund (Latest offer) Sbi infrastructure fund 500 units Following funds are all regular growth from Icici prudential fund. 1) Pharma health care & diagnostic fund 800 Units 2) Manufacturing fund 4300 units 3)India opportunities fund 2200 units 4) Flexi cap fund 5000 Units 5) Housing opportunities fund 2500 units 6) Balanced advantage fund 550 units 7)Psu equity fund 2800 units Sir I want to invest in Uti S&Phousing fund and Icici transaction & logistics fund 1000 units each.. Should I make some fresh investments or invest by transferring from existing Uti fund & Icici fund I am 75 years old. No urgent need of funds. Advise how-to proceed. Redy for taking risk.
Ans: Firstly, let me commend you for your disciplined approach towards investments. Your diversified portfolio reflects a well-thought-out strategy, which is commendable at any age, let alone at 75. It's heartening to see your willingness to adapt and continue investing even at this stage of life.

Given your age and risk appetite, while you're ready to take risks, it's crucial to balance it with the need for stability and liquidity. When considering adding new funds like Uti S&P Housing Fund and ICICI Transaction & Logistics Fund, you have two options: fresh investments or transferring from existing funds.

Transferring from existing holdings might streamline your portfolio, reducing the number of funds to manage. However, this could also entail exit loads or tax implications. On the other hand, fresh investments allow you to diversify further without disturbing your existing investments.

Considering no urgent need for funds, you might explore transferring from funds that might have underperformed or align less with your current investment strategy. Still, I'd strongly recommend consulting with a Certified Financial Planner to ensure a balanced approach that caters to your evolving needs while optimizing returns. After all, life is a journey, and managing your finances is a part of that journey, requiring both wisdom and adaptability.

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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

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Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

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Relationships Expert, Mind Coach - Answered on Oct 05, 2024

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Hi Madam. I am married from last one and half years now, there has been numerous fights in between small and big ones both. In between this time I have become a mother, and, my baby is 7 months old now. My husband does nothing, did nothing in past one and half years. He is only occupied with his work all the time, he goes to office everyday mostly. Right now my baby is 7 months old and from last 7 months me and my parents are taking care of the baby. And, he absolutely shows no understanding when it comes to looking after the baby. Am also a working person. Moreover I pay all the bills when it comes to getting household stuff, paying rent, all the expenses related to baby. He is so shameless that he just doesn’t care too, when I pick these topics or raise concerns about handling the baby he gets abusive. I am not sure what to do now! How insensible can a person get if no one sees my husband would never feel that person like him exist in this world. I feel like filing a divorce petition now. He was the one who wanted to have baby so soon. I was never ready. Now when I have the baby I am the only person along with my parents and sister looking after the baby.
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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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