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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 20, 2020

Mutual Fund Expert... more
Mohit Question by Mohit on Feb 20, 2020Hindi
Money

I do a regular investment per month of Rs 9000 as SIP in mutual funds. The funds I am holding currently are: 

Name of the Fund Category RankMF Star Rating
MohitBhardwaj    
1. DSP Equal Nifty 50 Fund-Reg (G)  -Rs 2000 Index Funds - Nifty 2
2. DSP Equity Opportunities Fund-Reg (G) -Rs 1000 Equity - Large & Mid Cap Fund 4
3. DSP Natural Res & New Energy Fund-Reg (G)  - Rs 1000 Equity - Sectoral Fund - Energy & Power 2
4. Franklin India Prima Fund (G)- Rs 1000 Equity - Mid Cap Fund: 2
5. Franklin India Taxshield (G)- Rs 1000 Equity - ELSS 4
6. ICICI PruBluechip Fund (G)- Rs 1000 Equity - Large Cap Fund: 2
7. ICICI Pru Value Discovery Fund (G) - Rs 1000 Equity - Value Fund: 2
8. ICICI Pru Value Fund-16 (G) – Rs 1000 Equity - Value Fund: 2
9. ICICI Pru Value Fund-17 (G)  Equity - Value Fund: 2
10. ICICI Pru Value Fund-18 (G) Equity - Value Fund: 2
11. Invesco India Growth Opp Fund (G) Equity - Large & Mid Cap Fund 4
12. L&T Hybrid Equity Fund-Reg (G)  Hybrid - Aggressive Hybrid Fund 5
13. MotilalOswalMulticap 35 Fund-Reg (G) Equity - Multi Cap Fund: 5
14. Nippon India Capital Builder Fund-IV-A (G)     
15. Nippon India NiveshLakshya Fund (G) Debt - Long Duration Fund 5
16. Quantum Long Term Equity Value Fund-Reg (G)   Equity - Value Fund: 2
17. Parikh Long Term Equity Fund-Reg (G) Equity - Multi Cap Fund: 5
18. Tata Hybrid Equity Fund-Reg (G) Hybrid - Aggressive Hybrid Fund 5

I have invested Rs 351,388 till now and my market value is Rs 386,870 which means my annual return is 5.2 per cent. Shall I continue to invest in the above funds or shall I switch to some other better fund as per your advice and what will be my capital (return) if I continue to invest for next 10 years as my current age is 35 years and I wish to invest till my age reach 50.

Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

  • Tata Equity PE Fund - Growth
  • UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

  • UTI Equity Fund – Growth
  • Axis Multicap Fund – Growth

Equity - Large Cap Fund:

  • UTI Mastershare Unit Scheme - Growth Plan
  • LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

  • MOSL Midcap 30 Fund – Growth
  • DSP midcap – growth

Equity - Small Cap Fund:

  • Kotak Small Cap Fund – Growth
  • Axis Small cap Fund - Growth
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.
Money

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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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Hi Myself Sanjeev Kumar from Himachal Pradesh, I am in mutual funds from last 3 years on below mutual funds 1. Aditya birla multicap fund (regular growth) ---- Rs 1000 monthly 2. Invesco India flexi Cap fund (Plan growth) ------ Rs 1000 monthly 3. Invesco India Multicap fund (regular growth) ---- Rs 1000 monthly 4. Kotak multicap fund (regular) ------------------------- Rs 1000 monthly 5. Kotak emerging equity fund (growth) --------------- Rs 1000 monthly 6. Kotak ELSS tax saver fund ------------------------------- Rs 500 monthly 7. Union tax saver fund (ELSS) ---------------------------- Rs 1500 monthly 8. Bandhan Nifty 200 momentum 30 index fund (regular plan) --- Rs 1000 monthly (started a month ago) Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPD ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Si/mam i want to ask is my portifoilio good enough to produce at least 60- 70 lakhs in next 10-12 years returns or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks
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Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

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Funds are good. No need to change.

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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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