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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Sep 09, 2020

Mutual Fund Expert... more
chandra Question by chandra on Sep 09, 2020Hindi
Money

pls give your feedback on the below mutual funds. i planning to reshuffle my mutual funds 

self:- all below investments are from last 1.5 years (Direct plans)

1) hdfc top 100 fund loss invested 1 lakh , loss by 20 k
2) parag parikh long term equity invested 46k profit by 3 k
3) Axis small cap fund invested 44 k loss by 4k
4) uti nifty index fund invested 2 k profit by Rs 73/-
5) hdfc low duration fund invested by 27 k profit by 1k

wife: - all below investments are from last 3 years. (Direct plans)

1) hdfc top 100 fund loss invested 2.25 lakhs , loss by 34 k
2) Axis small cap fund invested 63k loss by 9k
3 ) Axis blue chip fund invested 48 k loss by 3k
4) hdfc mid cap opportunities fund invested 8 thousand loss by 1 thousand

pls give us your valuable advise.

Ans:
Name of the Fund Category Recommendations
Chandra Sekhar Kamarushi    
1) hdfc top 100 fund loss invested 1 lakh , loss by 20 k Equity - Large Cap Fund SmartSwitch to Axis Bluechip fund -Growth
2) parag parikh long term equity invested 46k profit by 3 k Equity - Multi Cap Fund Continue
3) Axis small cap fund invested 44 k loss by 4k Equity - Small cap Fund Continue
4) uti nifty index fund invested 2 k profit by Rs 73/- (considering growth) Index Funds - Nifty  Continue
5) hdfc low duration fund invested by 27 k profit by 1k Debt - Low Duration Fund Continue
1) hdfc top 100 fund loss invested 2.25 lakhs , loss by 34 k  Equity - Large Cap Fund SmartSwitch to Axis Bluechip fund -Growth
2) Axis small cap fund invested 63k loss by 9k Equity - Small cap Fund Continue
3 ) Axis blue chip fund invested 48 k loss by 3k Equity - Large Cap Fund Continue
4) hdfc mid cap opportunities fund invested 8 thousand loss by 1 thousand Equity - Mid Cap Fund Continue
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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You have 17 MFs and it is not possible for me to analyse and give recommendations on each one of them in the time available to me.

But from a cursory glance, I can surely say that there are too many of them. Too many of MFs neither give you diversification nor provide you safety or better returns. They only make monitoring difficult.

Since you are comfortable with an aggressive portfolio and have a long time horizon of 10 years, my advice to you is:-
• Straightaway cut down your number of funds to half – say 8. Use one of the rating websites to know which one is good and which not. Such websites are not the best way to select funds but, in your case, would work fine.
• The cutting down should be category-wise. Try not to have more than one fund per category. Rarely should you have two per category.
• If you only wish to have equity funds, then your total number of funds could be even lesser. Go in for Large Cap / Index Fund, Flexicap Fund, Large & Mid Cap Fund, Mid Cap Fund, Small Cap Fund, and maybe an Aggressive Hybrid or an Asset Allocator Fund. Try and take more funds with a value oriented approach than growth approach.
• One selected, do the same for SIPs and bulk amounts.
• Lastly, monitor your funds once in six months and rebalance if required.

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Ans: making decisions about investments can be overwhelming, especially when considering the future. It's commendable that you're taking an active interest in managing your portfolio. Remember, investing is a journey, and it's okay to seek guidance along the way. As a Certified Financial Planner, my goal is to help you navigate this journey with confidence and peace of mind.

Reflecting on your current investments and considering adjustments is a wise move. It's essential to evaluate each fund's performance, alignment with your goals, and overall portfolio diversification. While past performance is not a guarantee of future results, it can provide valuable insights into fund management and strategy.

As you explore potential adjustments, keep in mind the importance of staying diversified and monitoring your investments regularly. Don't hesitate to reach out for support or advice as needed. Remember, the journey to financial security is about making informed choices that align with your aspirations and values.

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Hello sir, I am a 11th grade student. Now iam very confused amd depressed that what should i study now. Let me tell my goals. 1st thing is i want to get top 3 rank in my school examination and 2nd is to prepare for JEE MAIN examination and 3rd is to complete 12th std portions before May month 2025 to score a very good mark in my 12th board examination at 2026. And i also need to complete my JEE MAINS portions before november month for my Jee mains examination which is at Jan month and i need to crack it with 99 percentile at my first attempt and get into any one of the prestigious colleges. But iam very confused that what engineering should i choose. According to me I love all the engineering fields but i need to choose a field which will give the highest salary.These are the things that are revolving in my mind. Can you please give me perfect solution for my 5 confusions..
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Without taking an examination, without any score in hand, without any college in hand, without any course in hand, you are thinking and thinking and thinking for no reason. The goals/targets set by you are appreciable. But to convert them into reality, you have to work hard and excel in all the examinations. The highest salary is not only based on your degree or only on the college name. There are a lot of other parameters. Your journey is very long. Please keep your eyes only on your studies. Crack JEE (Mains + Adv) with a high score, get admission to a top IIT college, and choose the best course of your liking. Excel in the engineering then test the flavour of success. Best of luck for your upcoming bright future.

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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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