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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Apr 22, 2022

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Question by Kantilal on Apr 22, 2022Hindi

I am a regular reader of your blog and appreciate the same. I am 37 years old. I have an investment goal of Rs.50L when I reach 50 years. My monthly SIP is Rs. 22500. Please advise. My current portfolio is as under:

Scheme Type Invested SIP

Aditya Birla Sun Life Tax Relief 96 - Reg - G Tax 107,000 Stopped

HDFC Tax saver Tax 105,000 Stopped

Nippon India Tax Saver ELSS Tax 213,026 Stopped

Franklin India Tax Shield Tax 90,000 Stopped

Mirae Asset Tax Saver Fund G Tax 10,000 2,500

Canara Robeco Equity Tax Saver Tax 10,000 2,500

Quant Tax Plan Tax 10,000 2,500

Axis Bluechip fund Equity 40,498 5,000

Aditya Birla Sun Life Mfg Equity Fund Equity 156,000 2,000

HDFC Gold Trader Fund Growth - Direct Equity 30,000 2,000

Motilal Oswal NASDAQ 100 ETF ETF 17,000 1,000

Mirae Asset Emerging Bluechip Fund - Growth Equity 16,014 1,000

IIFL Focused Equity Fund - Growth Equity 14,000 1,000

Canara Robeco Emerging Eqities Equity 14,000 1,000

Parag Parikh Flexi Cap Fund Equity 3,000 1,000

ICICI Prudential Technology Fund - Growth Equity 14,000 1,000

Ans: Funds are good, however too many ELSS funds, it’s nice to see that you have stopped a few.

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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Head, Rank MF - Answered on Jun 03, 2022

Question by Anamika - Jun 03, 2022Hindi

I am a regular reader of your blog and like the same. I am a 39 year single working female and this is my third email to you. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments. Also plan to withdraw / use lump sum investments for home buying. Kindly advise. SIPs I plan to continue for the long term. My lump sum investments are as follows: Sr. no. Date MF name Amount 1 20-11-2019 UTI Mastershare Unit Scheme-Regular Growth 200000 2 22-11-2019 UTI Liquid Cash Plan - Regular Plan - Growth 300000 09-11-2020 Withdraw UTI Liquid Cash Plan - Regular Plan - Growth 250000 3 11-11-2020 UTI Liquid Cash Plan - Regular Plan - Growth 200000 4 01-01-2020 Axis Retirement Savings Fund - Dynamic Plan , Regular growth 30000 5 01-01-2020 Axis Retirement Savings Fund - Aggressive Plan , Regular growth 40000 6 01-01-2020 Axis Retirement Savings Fund - Conservative Plan , Regular growth 30000 7 23-07-2021 UTI Ultra Short Term Fund - Regular Growth Plan 40000 8 23-07-2021 UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) - Regular Growth 30000 9 23-07-2021 UTI Mastershare Unit Scheme - Regular Growth Plan 30000 10 28-07-2021 UTI Ultra Short Term Fund - Regular Growth Plan 50000 11 04-08-2021 UTI Focused Equity Fund - Regular Growth Plan 30000 12 02-09-2021 UTI Liquid Cash Plan - Regular Plan - Growth 120000 13 01-10-2021 HDFC Developed World Indexes Fund of Fund 25000 14 01-10-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan 25000 15 04-10-2021 SBI Focused Equity Fund (Regular growth ) 25000 16 04-10-2021 DSP Flexi Cap Fund 25000 17 01-11-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan 25000 18 01-11-2021 ICICI Prudential Multi-Asset Fund - Growth 25000 19 01-11-2021 HDFC Large and Mid Cap Fund - Regular Plan - Growth (Erstwhile HDFC Growth Opportunities Fund) 25000 20 01-11-2021 DSP Mid Cap Fund - Regular Plan - Growth 25000 21 01-12-2021 HDFC Multi Cap Fund Regular Growth 20000 22 01-12-2021 Axis Multicap Fund Regular Growth 20000 23 3.01.2022 HDFC Multi Cap Fund Regular Growth(HMCRG) 50000 TOTAL MF 1140000 My SIP Portfolio is as below: Sr. no. Start Date MF name Amount 1 22-11-2019 ULIP 3000 2 22-11-2019 UTI Mastershare / UTI 4000 3 22-11-2019 UTI Equity fund / UTI 4000 4 22-11-2019 UTI MNC Fund / UTI 5000 5 25-11-2019 Aditya Birla Sunlife Focus / HDF 3000 6 25-11-2019 Aditya Birla Sunlife India / HDF 3000 7 26-11-2019 Axis Bluechip / UTI 2000 8 26-11-2019 Axis Multicap Fund / UTI 2000 9 19-12-2019 HDFC Equity Fund 1000 10 20-12-2019 HDFC Top Fund 1000 11 13-01-2020 UTI Flexi Cap Fund(UTI Equity fund)Regular growth plan 2000 12 13-01-2020 UTI Value Opportunities Fund - Regular fund 2000 13 10-01-2020 ICICI Prudential Bluechip Fund 1000 14 10-01-2020 ICICI Prudential Multicap Fund 1000 15 13-01-2020 ABSL India Gen Next Fund 1000 16 13-01-2020 ABSL Equity Fund 1000 Total 36000

Ans: Please continue with the SIPs and liquidate the liquid funds first. Then depending upon exit loads others can be liquidated.

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Head, Rank MF - Answered on Jun 15, 2022

Question by Anamika - Jun 15, 2022Hindi

I am a reader of your blog and like the same. I am a 39 year single working female. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments. Also plan to withdraw/use lump sum investments for home buying. Kindly advise. I plan to continue the SIPs for the long term. My lump sum investments are as follows: Sr. no. Date MF name Amount 1 20-11-2019 UTI Mastershare Unit Scheme- Growth 200000 2 22-11-2019 UTI Liquid Cash Plan - Plan - Growth 300000 09-11-2020 Withdraw UTI Liquid Cash Plan - Plan - Growth 250000 3 11-11-2020 UTI Liquid Cash Plan - Plan - Growth 200000 4 01-01-2020 Axis Retirement Savings Fund - Dynamic Plan, growth 30000 5 01-01-2020 Axis Retirement Savings Fund - Aggressive Plan, growth 40000 6 01-01-2020 Axis Retirement Savings Fund - Conservative Plan, growth 30000 7 23-07-2021 UTI Ultra Short Term Fund - Growth Plan 40000 8 23-07-2021 UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) - Growth 30000 9 23-07-2021 UTI Mastershare Unit Scheme - Growth Plan 30000 10 28-07-2021 UTI Ultra Short Term Fund - Growth Plan 50000 11 04-08-2021 UTI Focused Equity Fund - Growth Plan 30000 12 02-09-2021 UTI Liquid Cash Plan - Plan - Growth 120000 13 01-10-2021 HDFC Developed World Indexes Fund of Fund 25000 14 01-10-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Plan 25000 15 04-10-2021 SBI Focused Equity Fund ( growth ) 25000 16 04-10-2021 DSP Flexi Cap Fund 25000 17 01-11-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Plan 25000 18 01-11-2021 ICICI Prudential Multi-Asset Fund - Growth 25000 19 01-11-2021 HDFC Large and Mid Cap Fund - Plan - Growth (Erstwhile HDFC Growth Opportunities Fund) 25000 20 01-11-2021 DSP Mid Cap Fund - Plan - Growth 25000 21 01-12-2021 HDFC Multi Cap Fund Growth 20000 22 01-12-2021 Axis Multicap Fund Growth 20000 23 3.01.2022 HDFC Multi Cap Fund Growth(HMCRG) 50000 TOTAL MF 1140000 My SIP portfolio is as below: Sr. no. Start Date MF name Amount 1 22-11-2019 ULIP 3000 2 22-11-2019 UTI Mastershare / UTI 4000 3 22-11-2019 UTI Equity fund / UTI 4000 4 22-11-2019 UTI MNC Fund / UTI 5000 5 25-11-2019 Aditya Birla Sunlife Focus / HDF 3000 6 25-11-2019 Aditya Birla Sunlife India / HDF 3000 7 26-11-2019 Axis Bluechip / UTI 2000 8 26-11-2019 Axis Multicap Fund / UTI 2000 9 19-12-2019 HDFC Equity Fund 1000 10 20-12-2019 HDFC Top Fund 1000 11 13-01-2020 UTI Flexi Cap Fund(UTI Equity fund) growth plan 2000 12 13-01-2020 UTI Value Opportunities Fund - fund 2000 13 10-01-2020 ICICI Prudential Bluechip Fund 1000 14 10-01-2020 ICICI Prudential Multicap Fund 1000 15 13-01-2020 ABSL India Gen Next Fund 1000 16 13-01-2020 ABSL Equity Fund 1000 Total 36000

Ans: Too many funds, continue with SIPs, you may liquidate lumpsums for the home purchase starting with Liquid / Short term liquid / debt funds.

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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 08, 2021

Question by shivaprakash - Jun 08, 2021Hindi

Please see my below portfolio advise if any change required, this investment for a long term above 5 years. Scheme Amount ICICI PRUDENTIAL BLUECHIP FUND - GROWTH 3000 AXIS GROWTH OPPORTUNITIES FUND - REGULAR-GROWTH 2000 NIPPON INDIA PHARMA FUND - GROWTH PLAN - GROWTH OPTION 2000 CANARA ROBECO EQUITY HYBRID FUND REGULAR GROWTH 2000 AXIS BLUECHIP FUND-GROWTH 4000 MIRAE ASSET HYBRID - EQUITY FUND - REGULAR PLAN - GROWTH 5000 ICICI PRUDENTIAL BLUECHIP FUND - GROWTH 3000 AXIS FOCUSED 25 FUND -GROWTH 2000 MIRAE ASSET LARGE CAP FUND - REGULAR - GROWTH 2000 Parag Parikh Flexi Cap Fund - Direct Plan 5000

Ans: The funds are decent; however, there are too many funds in large cap; these can be consolidated

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Mutual Funds Expert - Answered on Dec 15, 2022

Question by Gagan - Dec 15, 2022Hindi

I am 20 year old, in software development since last 3 years, I am very keen reader of your column and take lot of inspiration from your remarks for investing, following is my portfolio: SIP-L652G SBI Multicap fund Regular Plan Growth -- 10000 Lump sum-SBI Large & Midcap fund Regular Growth -- 500000 Lump sum-SBI Additional purchase -- 400000 SIP-SBI Small Cap fund dir Growth -- 25000 SIP-Sbi nifty index fund direct plan Growth -- 5000 Lump sum-Parag Parikh Flexi Cap Fund -- 5000 SIP Parag Parikh FCF -- 2000 Lump sum-Nippon India Growth Fund -- 5000 SIP-Nippon small Cap fund -- 15000 SIP-Nippon India Growth Fund -- 15000 SIP-UTI Flexi Cap Fund (UTI Equity fund) -- 15000 SIP-UTI Nifty 50 Index Fund -- 5000 Lump sum-Axis Blue chip fund-direct growth -- 250000 Lump sum-ICICI Blue chip -- 250000 SIP-ICICI Technology fund - dir plan Growth – 1000 SIP-Tata Digital India fund -dir plan Growth -- 2000 All SIPS are per month (95k) All investment is only 6-month old; please suggest any changes as i am investing 100% in MF and NIL in Bank FD now. Further from software development i am expecting around 5 Lakh, please suggest suitable to invest in any other or continue in above. I would like to take very high risk and timespan minimum 5 years, please advise approx value after 5 years with current portfolio.

Ans: Hi Gagan Kulkarni. The detailed overview of your MF portfolio indicates over-diversification with 95k SIP. Hence, I would suggest reconsidering, concising, and reshuffling your portfolio. As part of the portfolio reshuffle, make sure to have AMC diversification as well.

Limit yourself to 1-2 schemes in each category. I can see several schemes in different categories for each AMC.

For Lump sum investment you may consider ICICI Bluechip Fund, SBI Large & Mid Cap Fund and Nippon Small cap Fund. In next 5 years you may achieve a corpus of 1 Cr with 14% CAGR on your current sip and Lump sum investment.

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Question by RENUKA - May 06, 2023Hindi

Hello sir, I am a 40 years working women My Investment duration for next 20 years long term. My SIP Rs.9500/- Per Month continue from June 2016 Please see my below portfolio advise if any change required, SBI Equity Hybrid Fund – Direct – IDCW – 2000/- Aditya Birla Sunlife MNC Fund – Direct – IDCW – 1500/- Sundaram MID Cap Fund – Direct – growth – Rs. 1000/- UTI Next 50 Index Fund – Direct- Growth – Rs. 1000/- Frankling India Focuced Equity Fund – Regular – IDCW Rs. 1500/- SBI Gold Fund – Regular – Growth – Rs. 1000/- UTI Value Opportunities Fund – Regular – IDCW – Rs 1500/-

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See more questions »

Scheme	Type	Invested	SIP
Aditya Birla Sun Life Tax Relief 96 - Reg - G	Tax	107,000	Stopped
HDFC Tax saver	Tax	105,000	Stopped
Nippon India Tax Saver ELSS	Tax	213,026	Stopped
Franklin India Tax Shield	Tax	90,000	Stopped
Mirae Asset Tax Saver Fund G	Tax	10,000	2,500
Canara Robeco Equity Tax Saver	Tax	10,000	2,500
Quant Tax Plan	Tax	10,000	2,500
Axis Bluechip fund	Equity	40,498	5,000
Aditya Birla Sun Life Mfg Equity Fund	Equity	156,000	2,000
HDFC Gold Trader Fund Growth - Direct	Equity	30,000	2,000
Motilal Oswal NASDAQ 100 ETF	ETF	17,000	1,000
Mirae Asset Emerging Bluechip Fund - Growth	Equity	16,014	1,000
IIFL Focused Equity Fund - Growth	Equity	14,000	1,000
Canara Robeco Emerging Eqities	Equity	14,000	1,000
Parag Parikh Flexi Cap Fund	Equity	3,000	1,000
ICICI Prudential Technology Fund - Growth	Equity	14,000	1,000