Pl suggest portfolio against my investment:

1 Aditya Birla Sun Life Dividend Yield Fund - Gr 1000
2 Aditya Birla Sun Life Savings Fund - Gr 3000
4 Axis Long Term Equity Fund - Gr 1000
5 DSP Tax Saver Fund - Gr 2000
6 ICICI Prudential Long Term Equity Fund - Regular Gr 1000
7 ICICI Prudential Multi-Asset Fund - Gr 1000
8 ICICI Prudential Value Discovery Fund Gr 1000
9 SBI Flexicap Fund - Gr 1000

Total 11000 lump sum investment in the funds above

1 ICICI Prudential Floating Interest Fund - Gr 1,12,046.40
2 Axis Flexi Cap Fund - Gr 31,946.00

Ans: These are good funds, no changes required.

Ans: Hellpo Saurabh. Your current portfolio report is well chosen. I would suggest to reconsider sbi focused fund. You can increase the sip in sbi large and mid cap and also introduce small cap category in your portfolio for long run.

Ans: It's good

Ans: Your investment journey reflects a thoughtful approach to building wealth for the long term. Here are some insights and suggestions on your investment portfolio:
Quant Mid Cap Fund:
• Mid-cap funds like Quant Mid Cap Fund have the potential for high growth but may experience higher volatility.
• Ensure you have a long-term investment horizon to ride out market fluctuations and benefit from the growth potential of mid-cap companies.
Parag Parikh Flexi Cap Fund:
• Parag Parikh Flexi Cap Fund follows a flexible investment strategy, allowing exposure to various market segments, including equities and fixed income.
• This fund's diversified approach can provide stability to your portfolio while capturing growth opportunities across different market conditions.
Motilal Oswal Nifty Microcap 250 Index Fund:
• Investing in micro-cap companies through an index fund like Motilal Oswal Nifty Microcap 250 Index Fund offers broad exposure to the micro-cap segment of the market.
• Micro-cap stocks have the potential for significant growth but may be more volatile and less liquid compared to larger-cap stocks.
Quant Small Cap Fund:
• Small-cap funds like Quant Small Cap Fund focus on smaller companies with high growth potential.
• Small-cap investments can be volatile, so ensure you have a sufficiently long investment horizon and risk tolerance to withstand market fluctuations.
Nippon India Multi Cap Fund:
• Multi-cap funds like Nippon India Multi Cap Fund offer diversification across large, mid, and small-cap stocks.
• This fund's flexible allocation allows the fund manager to adapt to changing market conditions and capitalize on opportunities across different market segments.
Suggestions:
1. Diversification: Your portfolio exhibits diversification across different market segments, which is beneficial for managing risk and capturing growth opportunities. Continue to monitor the performance of each fund regularly.
2. Review and Rebalance: Periodically review your portfolio's performance and rebalance if necessary to ensure it remains aligned with your financial goals and risk tolerance.
3. Stay Informed: Stay updated on market trends, economic developments, and fund performance to make informed investment decisions.
4. Emergency Fund and Insurance: Ensure you have an adequate emergency fund equivalent to 3-6 months of living expenses and consider purchasing health insurance and term insurance coverage to protect yourself and your loved ones.
5. Consultation: Consider consulting with a Certified Financial Planner to develop a comprehensive financial plan tailored to your goals, risk tolerance, and investment horizon.
Overall, your investment portfolio shows a well-rounded approach to long-term wealth creation. By staying disciplined and adhering to your investment strategy, you're likely to achieve your financial objectives over time. Keep up the good work!

Ans: Current Portfolio Overview
Your mutual fund portfolio is valued at Rs. 2 crores. You have an impressive XIRR of 23%. You plan to invest an additional Rs. 1 crore. You aim to achieve a portfolio value of Rs. 6 crores in 5-6 years. Your current investments are spread across 20 mutual funds.

This diversification is quite extensive. Streamlining is needed to avoid overlap and enhance performance.

Evaluating Fund Categories
Large Cap
ICICI Prudential Bluechip Fund - Rs. 18L
Bluechip funds provide stability. They should form the core of your portfolio.
Flexi Cap
HDFC Flexi Cap Fund - Rs. 29L
Parag Parikh Flexi Cap - Rs. 17L
Quant Flexi Cap - Rs. 10L
Flexi Cap funds offer balanced exposure. They adapt to market conditions.
Multi Cap
Nippon India Multi Cap Fund - Rs. 25L
Multi Cap funds provide a mix of large, mid, and small caps. They offer diversification within a single fund.
Mid Cap
HDFC Mid Cap Opportunities - Rs. 14L
Motilal Oswal Mid Cap - Rs. 5.5L
Mid Cap funds have higher growth potential. However, they are riskier.
Small Cap
KOTAK Small Cap Fund - Rs. 11L
ICICI Prudential Smallcap Fund - Rs. 5L
Tata Small Cap Growth Direct Plan - Rs. 4L
HDFC Small Cap Fund Direct - Rs. 2.6L
Nippon India Small Cap - Rs. 3.5L
Small Cap funds can deliver high returns. They are suitable for aggressive investors.
Index Funds
HDFC Index Nifty 50 Growth Direct Plan - Rs. 10L

ICICI Prudential Nifty Midcap 150 Index Growth Direct Plan - Rs. 7L

HDFC NIFTY Smallcap 250 Index Fund Direct - Rs. 5L

Motilal Oswal Nifty Microcap 250 Index Growth Direct Plan - Rs. 2.5L

UTI Nifty200 Momentum 30 Index Growth Direct Plan - Rs. 11L

UTI Nifty Next 50 Index Growth Direct Plan - Rs. 11L

Motilal Oswal Nifty India Defence Index Growth Direct Plan - Rs. 2L

Index funds have lower fees but lack active management benefits. Active funds can outperform by selecting high-potential stocks.
Thematic Funds
Quant Infrastructure Fund - Rs. 9.5L
Thematic funds focus on specific sectors. They offer higher risk and reward.
Portfolio Streamlining Suggestions
Reduce Overlap
Consolidate Flexi Cap funds. Keep one or two best-performing funds.
Reduce Mid Cap and Small Cap funds. Focus on top performers.
Minimize Index funds. Their passive nature may limit growth.
Recommended Fund Adjustments
Switch from Index funds to actively managed funds. Active funds can outperform the market. They offer better stock selection and management.
Consider reducing your Thematic fund exposure. They carry sector-specific risks.
New Investments
Allocate new Rs. 1 crore across top-performing Large Cap, Flexi Cap, and Small Cap funds.
Focus on funds with strong historical performance and potential.
Portfolio Allocation Strategy
Large Cap: 40% of your portfolio. They provide stability.
Flexi Cap: 30% of your portfolio. They adapt to market changes.
Small Cap: 20% of your portfolio. They offer high growth potential.
Thematic Funds: 10% of your portfolio. They add diversity and high risk-reward.
Final Insights
Streamlining your portfolio will reduce overlap and enhance returns. Focus on a mix of Large Cap, Flexi Cap, and Small Cap funds. Avoid over-diversification and index funds. Invest additional Rs. 1 crore in high-performing funds. This strategy will help achieve your goal of Rs. 6 crores.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in