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Vivek Lala | Answer |Ask -Follow

Tax, MF Expert - Answered on May 10, 2023

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Question by Kambhampati on Apr 30, 2023Hindi

Money

I am planning to SIP the following funds for 3 years. Canara Robeco Bluechip Equity Fund - Direct Plan - Growth Axis Bluechip Fund - Direct Plan - Growth Nippon India Large Cap Fund - Direct Plan - Growth ICICI Prudential Bluechip Fund - Direct Plan - Growth SBI Blue Chip Fund - Direct Plan - Growth Mirae Asset Large Cap Fund - Direct Plan - Growth Axis Focused 25 Fund Direct Plan Growth Parag Parikh Flexi Cap Fund - Direct Plan - Growth Can you please suggest the plan

Ans: Hello, there is no reason to limit yourself in terms of the duration of the sip. You can start it and continue till the time you are having an active income. Incase you don't have an active income, you can always Stop, Pause your sip's.
In terms of the fund selection, you can have an allocation with the following %
Mid cap - 20%
Small cap - 20%
Large and mid cap - 15%
Consumption fund - 10%
Value fund - 10%
Multi cap fund - 15%
Any personal choice - 10%

Please remember that past performance is not a guarantee for future returns, and it's always important to review your investments periodically to ensure they remain aligned with your financial objectives.

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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My monthly SIPs are as follows: 1. Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 13000 pm 2. Mirae Asset Tax Saver Fund Direct Growth Growth - 1000 pm 3. ICICI Prudential Bluechip Fund - Direct Plan - Growth 1000 pm 4. ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth 1000 pm 5. SBI Blue Chip Fund - Direct Plan - Growth -1000 pm 6. UTI Flexi Cap Fund -DIRECT Growth - 2000 pm 7. Canara Robeco Emerging Equities - Direct Growth 3500 pm 8. Axis Long Term Equity Fund (ELSS) DIRECT GROWTH 4000 pm 9. HDFC Flexi Cap Fund Direct Plan Growth 1000 pm 10. PGIM India Global Equity Opportunities Fund - Direct Plan - Growth 1000 pm 11. Quant Active Fund Direct Growth 1000 pm [Note: item no 2, 10, and 11 just started. Others are running for min 3 years] My age is now 47. Please scrutinize them and give me your valuable suggestions. Waiting for your reply.

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Question by Sharath - Jan 07, 2022Hindi

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My monthly SIPs are listed below. I have been investing since last year in these funds. Kindly review and let know if anything needs to be changed. I also want to invest Rs 2 lakh surplus that I have; I am looking at horizon of 5-6 years. Kindly advise. Mutual Funds Plan type HDFC Mid-Cap Opportunities Fund Regular Growth Canara Robeco Equity Regular Growth SBI Blue Chip Fund Regular Growth Axis Midcap Fund Growth Kotak Small Cap Fund Growth DSP Quant Fund Regular Growth Motilal Oswal MultiCap35 Fund Regular Growth

Ans: These are good funds, please continue.

It's better to do an STP of 3-6 months instead of putting all the money at once via a lumpsum.

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I am having SIPs in the following mutual funds. Time horizon is the next five years. Kindly suggest. Mirae Asset Emerging Bluechip Fund Direct Growth Rs 2,500 SBI Bluechip Fund Direct Growth Rs 5,000 Axis Bluechip Fund Direct Growth Rs 5,000 SBI Focussed Equity Fund Direct Growth Lumpsum Rs 60,000 SBI Equity Hybrid Fund Direct Growth Lumpsum Rs 10,000

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My SIP details are as follows. Please advise. Mutual Funds Plan type Amount 1. Mirae Asset Midcap Fund Regular plan Rs 6,000 2. Sundaram Small Cap Fund Regular Plan, Growth Rs 6,000 3. Nippon India Small Cap Fund Growth Rs 5,000 4. ICICI Prudential India Opportunity Fund Growth Rs 3,500 5. ICICI Prudential Multicap Fund Growth Rs 3,500 6. Axis Focused 25 Fund Regular Rs 6,000 7. Tata Banking And Financial Services Fund Regular Rs 6,000 8. Tata Flexi Cap Fund Growth Rs 5,000 9. Axis Long Term Equity Fund Rs 3,000

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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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