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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Apr 11, 2022

Mutual Fund Expert... more

Question by saikat on Apr 11, 2022Hindi

A regular follower of your column. Please visit my investments in mutual funds. I am 40 started investing in 2020. I have SIPS in five MFS (in italics) of 1000 each for an infinite period. Please help me rebalance for optimum output.

Fund Plan

HDFC Index Nifty 50 Direct Plan

Nippon India Index Fund - Sensex Direct Plan

HDFC Overnight Fund Direct Plan

Mirae Asset Large Cap Fund Direct Plan

Parag Parikh Flexi Cap Fund Direct Plan

Tata Dividend Yield Fund Direct Plan

Kotak International REIT FOF Direct Plan

ICICI Prudential Bluechip Fund Direct Plan

Axis Gold Fund Direct Plan

Aditya Birla Sun Life Gold Fund Direct Plan

Axis Bluechip Fund Direct Plan

Quant Liquid Fund Direct Plan

SBI Blue Chip Fund Direct Plan

HDFC Mid-Cap Opportunities Fund Direct Plan

SBI Equity Hybrid Fund Direct Plan

HDFC Top 100 Fund Direct Plan

DSP Overnight Fund Direct Plan

DSP Global Allocation Fund Direct Plan

Motilal Oswal Nasdaq 100 Fund of Fund Direct Plan

Motilal Oswal S&P 500 Index Fund Direct Plan

Sundaram Global Brand Fund Direct Plan

Ans: Please continue with the SIPs, there are too many funds; try to restrict to 4 to 6 funds as they provide adequate diversification, post that portfolio gets over diversified.

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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What is your advice for rebalancing asset allocation in the situation below? In a Rs 1.1 crore portfolio, I have 87 percent equity (Rs 97 lakhs, mostly MFs) and 13 per cent (Rs 15 lakhs) debt. I want to bring it to 60 per cent equity and 40 per cent debt. I have identified six mutual funds which currently have Rs 35 lakhs long term profit. Selling equity MFs for profit booking at one go has tax implications and may not be the right strategy. But if I can move this Rs 35 lakhs profit to debt funds, it will help to balance my asset allocation. What is the most tax efficient and sensible way to do the rebalancing? I am making future investments in SIP mode in conservative funds such as Mirae Asset Hybrid Equity. I have a 10 year investment horizon.

Ans: Rebalancing would require you to exit equity and get into debt or hybrid funds.

LTCG on equity funds are taxed at 10 per cent; the trade-off is between saving taxes and a potential drop in value if the markets correct. It is advisable to book profits and pay 10 percent taxes and do the rebalancing.

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Question by Vineet - Sep 19, 2022Hindi

I started investing in mutual fund back in 2006 with very small SIP amounts and I am 41 now. Currently, I have a MF corpus of approx 30 lakh, with SIP investments in following schemes, though i myself feel i have invested in multiple fund houses or similar portfolios and need your help or guidance with consolidation and then keep a target of 2.5 to 3 crore in next 15 years through Mutual fund only. Currently I am investing 32500 per month through SIPs only. Sr No Fund Name Start Date Amount 1 HDFC Top 100 Fund Growth 20-Sep-06 1000 2 HDFC Top 100 Fund Growth 05-Dec-13 1000 3 SBI BlueChip Fund Regular Growth 25-Apr-16 1000 4 ICICI Prudential Value Discovery Fund Growth 22-Jul-16 1000 5 Kotak Flexicap Fund Growth 23-Aug-17 1000 6 IDBI India Top 100 Equity Regular Fund Growth 05-Jan-18 1000 7 L&T Hybrid Equity Fund Growth 06-Dec-18 1000 8 L&T Hybrid Equity Fund Growth 07-Jan-19 1000 9 Indiabulls Equity Hybrid Fund Regular Growth 12-Mar-19 1000 10 HDFC Mid-Cap Opportunities Regular Fund Growth 01-Jul-19 1500 11 SBI Magnum MidCap Regular Fund Growth 01-Jul-19 1000 12 ICICI Prudential Bluechip Direct Fund Growth 01-Jul-19 1000 13 HDFC Top 100 Fund Growth 27-Oct-19 1000 14 HDFC Hybrid Equity Fund Growth 27-Oct-19 1000 15 Axis Midcap Fund Direct Plan Growth 16-Dec-20 1000 16 Canara Robeco Equity Hybrid Fund Direct Plan Growth 17-Dec-20 1000 17 SBI Magnum Global Fund Direct Growth 17-Apr-21 1000 18 HDFC Flexi Cap Fund Direct Plan-Growth 17-Apr-21 1000 19 Motilal Oswal Focused 25 Direct Growth 17-Apr-21 1000 20 HDFC Flexi Cap Fund -Direct Plan - Growth Option 17-Apr-21 1000 21 SBI Flexicap Fund Direct Growth 17-Apr-21 1000 22 Motilal Oswal Flexi Cap Fund Direct Plan Growth 24-Jun-21 1000 23 Tata Quant Fund Direct Fund 30-Jun-21 500 24 Aditya Birla Sun Life India Gennext Fund Direct Plan Growth 01-Jul-21 1000 25 ICICI Prudential FlexiCap Fund Direct Growth 05-Jul-21 500 26 Mirae Asset Large Cap Fund Direct Plan Growth 01-Sep-21 1000 27 IDFC Corporate Bond Fund Direct Plan Growth 22-Sep-21 1000 28 ICICI Prudential NASDAQ 100 Index Fund Direct 27-Oct-21 1000 29 HDFC Corporate Bond Fund -Direct Plan - Growth Option 09-Dec-21 1000 30 Aditya Birla Sun Life Corporate Bond Fund Direct Plan Growth 09-Dec-21 1000 31 TATA Digital India Fund Direct Growth 25-Dec-21 1000 32 Parag Parikh Flexi Cap Direct Growth 25-Dec-21 1000 33 Kotak Gilt-Investment Fund Provident Fund and Trust-Growth Direct 28-Dec-21 1000

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Ans: It's great to see your enthusiasm for investing at such a young age! Your selection of mutual funds reflects a high-risk appetite, which aligns with your long-term investment horizon of 10 years.

Diversification is essential in managing risk, and your portfolio covers various segments including international exposure, power & infrastructure, retirement savings, and small & mid-cap funds. This diversity can help mitigate the impact of volatility in any single sector or market segment.

As a high-risk investor with a long-term perspective, your portfolio appears well-distributed across different asset classes and market segments. However, it's crucial to periodically review your portfolio's performance and make necessary adjustments to maintain alignment with your investment goals and risk tolerance.

Rebalancing your portfolio involves periodically realigning your asset allocation to ensure it remains in line with your risk profile and investment objectives. Given your high-risk tolerance and long investment horizon, you may consider rebalancing annually or semi-annually to maintain the desired asset allocation.

During the rebalancing process, assess the performance of each fund relative to its peers and benchmarks. If any fund significantly deviates from your expectations or exhibits underperformance, consider reallocating funds to more promising opportunities within your portfolio.

Additionally, keep an eye on changes in market conditions, economic outlook, and regulatory developments that may impact your investment strategy. Staying informed and adaptable is key to navigating the dynamic landscape of financial markets effectively.

Remember, while high-risk investments have the potential for higher returns, they also come with increased volatility and uncertainty. Stay focused on your long-term goals, and avoid making impulsive decisions based on short-term market fluctuations.

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See more questions »

Fund	Plan
HDFC Index Nifty 50	Direct Plan
Nippon India Index Fund - Sensex	Direct Plan
HDFC Overnight Fund	Direct Plan
Mirae Asset Large Cap Fund	Direct Plan
Parag Parikh Flexi Cap Fund	Direct Plan
Tata Dividend Yield Fund	Direct Plan
Kotak International REIT FOF	Direct Plan
ICICI Prudential Bluechip Fund	Direct Plan
Axis Gold Fund	Direct Plan
Aditya Birla Sun Life Gold Fund	Direct Plan
Axis Bluechip Fund	Direct Plan
Quant Liquid Fund	Direct Plan
SBI Blue Chip Fund	Direct Plan
HDFC Mid-Cap Opportunities Fund	Direct Plan
SBI Equity Hybrid Fund	Direct Plan
HDFC Top 100 Fund	Direct Plan
DSP Overnight Fund	Direct Plan
DSP Global Allocation Fund	Direct Plan
Motilal Oswal Nasdaq 100 Fund of Fund	Direct Plan
Motilal Oswal S&P 500 Index Fund	Direct Plan
Sundaram Global Brand Fund	Direct Plan