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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 23, 2021

Mutual Fund Expert... more

Question by Prashant on Dec 23, 2021Hindi

This is my portfolio for the next seven years. All are direct growth funds. I am keeping tabs on sectorial fund on risk factor.

Mutual Funds Amount

Nippon India Pharma Rs 5,000

Tata digital India Rs 5,000

ICICI Prudential Technology Rs 5,000

ABSL Digital India Rs 1,000

Axis Small Cap Rs 3,000

Axis Midcap Rs 3,000

Mirae Asset Emerging Bluechip Rs 3,000

Ans: These are all good funds.

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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Ans: Too many funds, keep 1 fund in same / similar category. No further addition please!

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Head, Rank MF - Answered on Nov 20, 2019

Question by Nandkumar - Nov 20, 2019Hindi

Details of my mutual fund portfolio are as under: Name of the Fund Category RankMF Star Rating Axis Blue Chip Mutual Fund Equity - Large Cap Fund 5 Axis Midcap Fund Growth Equity - Midcap Fund 4 CanaraRobeco Equity Diversified Fund Regular Growth Equity - Multi Cap Fund 4 DSP Small Cap Fund Regular Growth Equity - Small cap Fund 2 HDFC Midcap opportunities Fund Growth Equity - Midcap Fund 3 ICICI Prudential Exports and Services Fund Growth Equity - Sectoral Fund - Service Industry 2 IDFC Multi cap Fund Regular Growth Equity - Multi Cap Fund 4 L&T Equity Fund Regular Growth Equity - Multi Cap Fund 4 L&T India Value Fund Regular Growth Equity - Value Fund 3 Nippon India Multicap Fund Equity - Multi Cap Fund 2 SBI Blue Chip Fund Equity - Large Cap Fund 4 SBI Consumption opportunities Fund Regular Growth Equity - Sectoral Fund - FMCG 3 SBI Focussed Equity Fund Regular Growth Equity - Focused Fund 4

Ans:

All 5 and 4 star rated funds can be continued, rest can be replaced by the funds below in their respective categories.

Large cap Suitable option considering quality and value for money at present levels is Mirae Asset Large Cap Fund

Large and Midcap Suitable option considering quality and value for money at present levels is Kotak Equity opportunity.

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Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

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Head, Rank MF - Answered on Dec 20, 2019

Question by Hemendra - Dec 20, 2019Hindi
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These are the funds I invest in since last 20 months. All are direct growth: Name of the Fund Category RankMF Star Rating 1. Axis Bluechip Fund Equity - Large Cap Fund 4 2. Axis Focused 25 Fund Equity - Focused Fund 5 3. ABSL Focused Equity Fund Equity - Focused Fund 4 4. ABSL Equity Fund Equity - Multi Cap Fund 4 5. SBI Small Cap Fund Equity - Small cap Fund 2 6. Nippon India Small Cap Fund Equity - Small cap Fund 2

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Small Caps:

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Question by Anand - Jan 28, 2024Hindi
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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.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

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

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Hello sir.. I am 37 now, my take home salary is 1L. I have home loan 12L and personal loan 2L. I have started investing in MF from 6 months 5000 per month and I am also planning to start a business -conveyor design and manufacturing, by taking a risk. What should be the way of investment.. And shall I continue on the existing job or business.. Pls suggest best future retirement plan.. Thanks Note- I don't have any problem in current Job.

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Hi, age 40 years, monthly net salary Rs 85k, married , 1 kid. Recently have constructed new house. Ground floor commercial shops, and 1st floor residential 2bhk flat were we stay. Home loan 1.05 cr with monthly EMI of 85k for next 30 years & All current savings exhausted due to new construction. Commercial shops have potential for monthly rental income of 60k to 70k.please guide on below for strategy: 1) how to close home loan in next 10 years 2) considering 60 as retirement age, need corpus of 8 cr to fund kid education, marriage and for rest of livelihood.

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Sir i am 41 years old. Time horizon is 20 years. Investing 2000 rupees each in four flexicap funds- parag parikh, hdfc, franklin templeton, canara robeco. And one elss- SBI long term equity. Do i need to add or remove some funds to have the right mix of value, growth, momentum style of investing and to reduce overlap. I am in the beginning phase of my investment and can make changes. If required, kindly suggest the changes i need to make.

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HI, I am 35 years only and my monthly income is 3 lacs. I have a corpus of 1 cr. Of mutual funds. I have been investing from last 7 yrs. Now I have reached to a monthly SIP of 2 lacs. I want to retire in the age of 45, please advise can build a corpus of 7 cr in 10 yrs and how can I build that. Also, recently I have purchased a house of 1.3 Cr and paid 30% from my saving. I will have emi's starting in next 3 years. Should I take loan or should I put more money from my corpus to reduce the total emi. Please advise.

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HI, I am 35 years only and my monthly income is 3 lacs. I have a corpus of 1 cr. Of mutual funds. I have been investing from last 7 yrs. Now I have reached to a monthly SIP of 2 lacs. I want to retire in the age of 45, please advise can build a corpus of 7 cr in 10 yrs and how can I build that. Also, recently I have purchased a house of 1.3 Cr and paid 30% from my saving. I will have emi's starting in next 3 years. Should I take loan or should I put more money from my corpus to reduce the total emi. Please advise.

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My suggestion is instead of taking more home loan you should utilize your corpus for home finance requirement so as to reduce total EMI.

A monthly SIP of 2 L will yield you a corpus of 8.16 Cr in 13 years time frame.(A modest return of 13% is from pure equity funds is assumed).

If you are keen to achieve your target in 10 years then the current monthly SIP needs to be topped up by 13% minimum each year to reach 8 Cr in 10 years.

I am assuming you utilise the existing 1 Cr corpus towards loan prepayment/reduction hence target calculation done for 8 Cr instead of 7 Cr.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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What is the prospects after completing MSc economics and BE mechanical engineering from BITS PILANI Hyderabad?

Ans: The combination of an M.Sc. in Economics and a B.E. in Mechanical Engineering from BITS Pilani Hyderabad provides flexibility and a competitive edge in various fields, including engineering, economics, finance, consulting, and technology. Additionally, this background makes you an attractive candidate for higher studies in both technical and management fields, allowing you to explore a wide array of career opportunities.

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Mutual Funds	Amount
Nippon India Pharma	Rs 5,000
Tata digital India	Rs 5,000
ICICI Prudential Technology	Rs 5,000
ABSL Digital India	Rs 1,000
Axis Small Cap	Rs 3,000
Axis Midcap	Rs 3,000
Mirae Asset Emerging Bluechip	Rs 3,000