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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Feb 16, 2022

Mutual Fund Expert... more

Question by Rahul on Feb 16, 2022Hindi

Money

I am a regular reader of your section. Can you please review my portfolio? All are direct growth funds. I am 38 years old and planning for long term investment for 10+ years to create wealth for my children's education and retirement.

I have divided my portfolio into large cap, mid/flexi cap and small cap based on my risk appetite. I am not investing in DEBT MFs as I prefer PF, PPF and FDs for Debit investments.

1. MIRAE ASSET LARGE CAP - 5000

2. HDFC INDEX SENSEX FUND - 3000

3. UTI NIFTY NEXT 50 - 3000

4. MIRAE ASSET EMERGING BLUE-CHIP - 4500

5. AXIS MID CAP - 3000

6. PARAG PARIKH FLEXI CAP - 3000

7. UTI FLEXI CAP - 3000

8. AXIS SMALL CAP - 3000

9. NIPPON INDIA SMALL CAP - 3000

10. DSP BLACKROCK TAX SAVER - 2000 (Stopped SIP for this and diverted amount to Mirae Asset Large Cap)

I am also planning to invest additional 10k and considering below options to give exposure to different markets/ sectors. Can you please provide your thoughts on this?

1. Motilal Oswal Nasdaq 100 Fund of Fund - 4000

2. Mirae Asset NYSE FANG+ ETF FoF - 4000

3. ICICI PRUDENTIAL TECHNOLOGY FUND - 2000.

Or, shall I consolidate investment on any of the above good existing funds?

Ans: You may also consider the below:

Samco Flexi Cap fund Growth
Axis ESG Equity fund – Growth
DSP Quant 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.

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I am 49 years old and Govt. service holder. I am currently investing in the following funds through SIP and lump sum for last 4 years. Please review my portfolio and suggest if I should continue or change? 1. Sundaram Large and Midcap Fund - Rs. 1500/- SIP 2. Aditya Birla Sun Life Focused Equity Fund - Rs. 1500/- SIP 3. Axis Mid Cap Fund - Rs. 1500/- SIP 4. SBI Flexi Cap Fund - Rs. 1500/- SIP 5. Nippon India Small Cap Fund - Rs. 50,000/- Lump sum (in 2018) 6. Tata Digital India Fund - Rs. 50,000/- Lump sum (in 2019) 7. Axis Small Cap Fund - Rs. 1,00,000/- Lump sum (in 2020) 8. DSP Small Cap Fund - Rs. 50,000/- Lump sum (in 2020) 9. DSP Natural Resources and New Energy Fund- Rs. 1,00,000/- Lump sum (in 2019)

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Omkeshwar Singh | Answer |Ask -Follow

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Question by Sumesh - Jul 07, 2022Hindi

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Request you to examine my current portfolio and suggest any changes, if needed. Fund names -- - Amount -- - SIPs Quant Tax plan -- - 79,996 -- - 5000 Mirae Asset Tax saver fund -- - 64,998 -- - 5000 SBI Magnum medium duration fund -- - 34,998 -- - 5000 Parag Parikh flexi cap fund -- - 34,998 -- - 5000 (increasing by 5000 from May month onwards) Axis Long term equity fund -- - 1,14,997 -- - 0 Invesco India Tax plan fund -- - 25,000 -- - 0 PGIM Global equity fund -- - 32,498 -- - 0 Tata India Tax savings fund -- - 10,000 -- - 0 Canara Robeco Bluechip equity -- - 10,000 -- - 0 IDFC GSF investment fund -- - 10,000 -- - 0 My risk appetite is on the higher side as of now (34 yrs of age), which is why equity % is more. My present financial goals are down payment for a house 10yrs down the line, and retirement fund.

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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 23, 2021

Question by Prashant - Dec 23, 2021Hindi

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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.

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Asked by Anonymous - Apr 03, 2024Hindi

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I am 50 working professional. Below is my MF portfolio . 1. Parag Parikh Flexi Cap Fund 2.6 lakhs + 10K SIP 2. PGIM India Midcap Opportunities Fund 1.85 L Value + 5K SIP 3. Quant ELSS Tax Saver Fund 80K 4. Axis Small Cap Fund 1.85 Lakhs Value + 5K SIP 5. Axis Gold Fund 75K Value + 5K SIP 6. Canara Robeco Bluechip Equity Fund 70K 7. Quant Multi Asset Fund 50K 8. SBI Magnum Income Fund 50K 9. ICICI Prudential Equity & Debt Fund 50K 10. Quant Active Fund 50K 11. ICICI Prudential Bluechip Fund 25K I want to build a retirement corpus of 2 crore in 10 years. I am planning to invest around 50K every month. Plus i have. surplus of 4Lakks which i want to invest in few of the MFs above. Planning to exit Canara Robeco bluechip and Axis Small cap soon. Please suggest if any changes you want me to do.

Ans: Given your goal of building a retirement corpus of 2 crores in 10 years and your current portfolio, here are some suggestions:

Increase SIP Contributions: Consider increasing your SIP amounts in high-performing funds like Parag Parikh Flexi Cap and PGIM India Midcap Opportunities Fund, which have shown good potential for long-term growth.

Review and Consolidate: Evaluate the performance of all your funds and consider consolidating your portfolio to fewer, well-performing funds to simplify management and potentially enhance returns.

Focus on Quality: Prioritize funds with strong track records, consistent performance, and experienced fund management teams. Consider adding large-cap and diversified equity funds for stability and balanced growth.

Asset Allocation: Ensure a balanced asset allocation across equity, debt, and gold funds based on your risk tolerance and investment horizon. Reallocate surplus funds strategically to maintain a diversified portfolio.

Regular Review: Monitor your portfolio regularly and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.

Consider consulting with a financial advisor for personalized advice tailored to your specific circumstances and goals.

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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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