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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 09, 2020

Mutual Fund Expert... more

Question by Abhishek on Sep 09, 2020Hindi

Money

It is requested to please review my portfolio:

It Is To Mention That I Have A Goal For The Studies Of My 02 Children, My Retirement Plan Which Will Happen In Sept'2038 And All The Above Investments Are Made For 05yrs.

Besides This I Have Deposited Rs.10000/- At ELSS Which Will Mature In 2021:

1. Axis Long Term Equity Fund
2. ABSL Tax Relief 96 Fund-ELSS - Growth-DIR
3. Tata Equity P/EF Direct Plan-Growth
4. Tata India Tax Sav Fund Dir Pl Gr

Ans:

Name of the Fund	Category	Recommendations
Abhishek Srivastava
Franklin India Feeder - Franklin U S Opportunities Fund - Direct – Growth	FoFs (Overseas)	Continue
Kotak Std Multicap-Direct Plan	Equity - Multi Cap Fund	SmartSwitch to UTI Equity Fund - Growth
Invesco Mid cap Fund	Equity - Mid Cap Fund	SmartSwitch to DSP Mid Cap
Parag Pareikh Long Term Equity Fund	Equity - Multi Cap Fund	Continue
L&T Emerging Opp. Fund-Series II - Dir. Div. (business)	Equity - Small cap Fund	SmartSwitch to Axis Small Cap Growth
L&T Infrastructure Fund Direct Plan – Growth	Equity - Sectoral Fund - Infrastructure	SmartSwitch to UTI Equity Fund - Growth
ICICI Balanced Advantage Fund DP Growth	Hybrid - Balanced Advantage	Continue
ICICI Regular Gold SF (FOF) - DP Growth	FoFs (Domestic / Overseas ) - Gold	Continue
SBI Equity Hybrid Fund Dir Growth	Hybrid - Aggressive Hybrid Fund	Continue
Axis Focused 25 Fund	Equity - Focused Fund	continue
Axis Bluechip Fund	Equity - Large Cap Fund	Continue
Axis Strategic Bond Fund STP	Debt - Medium Duration Fund	Continue
Axis Small Cap Fund	Equity - Small cap Fund	Continue
Axis Growth Opportunities Fund	Equity - Large & Mid Cap Fund	Continue
Axis Small Cap Fund	Equity - Small cap Fund	Continue
Axis Short Term Fund	Debt - Short Duration Fund	SmartSwitch to Aditya Birla Sun Life Short Term Fund - Growth
Canara Robeco Emerging Equities Fund(G)	Equity - Large & Mid Cap Fund	Continue
Mirae Asset Emerging Opportunities Fund (bluechip)	Equity - Large & Mid Cap Fund	Continue
1. Axis Long Term Equity Fund	Equity - ELSS	Continue
2. ABSL Tax Relief 96 Fund-ELSS - Growth-DIR	Equity - ELSS	Continue
3. Tata Equity P/EF Direct Plan-Growth	Equity - Value Fund	Continue
4. Tata India Tax Sav Fund Dir Pl Gr	Equity - ELSS	SmartSwitch to Axis Long Term Equity - 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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Hi sir please review my portfolio My age is 34 years Investment horizon 15to 20 years Funds.. 1. Nippon india small cap -2k 2. Quant Small cap -2k 3. SBI small cap -1k 4. kotak Emerging Equity fund -2k 5. Parag parekh Flexi cap -1.5k Total -8.5k SIP

Ans: Hi Amit and thanks for writing to me. The funds you invest in are good funds and you can continue to invest in them.

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Question by Rahul - Jun 07, 2023Hindi

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Please review my portfolio sir my age is 32- Parag Parikh flexicap,mirae asset mid cap fund & axis small cap fund each with 3000 rs per month for 30 year's for retirement and 1 lakh rs lumsum investment in Canara robeco small ,quant small cap & pgim mid cap fund ðŸ”¥

Ans: Dear Rahul
I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down. Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.

My recommendation only on the past performance and anticipated future outlook of your funds is as below:-
1. Parag Parikh flexicap - Good fund. Continue.
2. Mirae Asset mid cap fund - Good fund. Continue.
3. Axis small cap fund - As below
4. Canara robeco small cap – Too many small cap funds. Retain this one. Switch out others unless ready to take very high risk in portfolio.
5. Quant small cap – As above
6. PGIM mid cap fund - Good fund. Continue.

However, do note that you are taking a very high risk in your portfolio with 2 midcap and 3 small cap funds. Do consult a financial advisor to rebalance your portfolio.

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Question by rudolf - Sep 19, 2023Hindi

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dear Dev, First of all, thank you for taking the time to review questions from viewers. Your efforts are truly appreciated from the bottom of my heart. I would be really grateful if you could review my investment portfolio. I invest 64,000/- every month in a direct mutual fund, and my plan is to continue this for the next 10 years. ICICI Pru Bluechip - 12,000/- Mirae Asset Emerging Bluechip - 4,000/- Axis Mid-cap - 5,000/- HDFC Mid-cap Opp - 5,000/- Axis Small-cap - 6,500/- Quant Active - 6,500/- Parag Parikh Flexi-cap - 8,000/- UTI Nifty 50 - 6,000/- Navi Nasdaq - 6,000/- Tata Digital Industries - 5,000/- Please let me know if you see any need for corrections or changes in my portfolio. Thank you.

Ans: You don't need to invest in so many schemes. There is a lot of overlap in your mutual fund portfolio holdings if you look at individual scheme's portfolios. So just investing the same monthly amount in up to 4 funds would be more than sufficient. You can pick one from Largecap Index Fund, 1-2 from a Flexicap/Large&Midcap Fund, 1-2 from Mid/Smallcap funds and that should be sufficient. In general, most investors are better off avoiding thematic/sectoral funds.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

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Question by rudolf - Sep 19, 2023Hindi

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dear Dev, First of all, thank you for taking the time to review questions from viewers. Your efforts are truly appreciated from the bottom of my heart. I would be really grateful if you could review my investment portfolio. I invest 64,000/- every month in a direct mutual fund, and my plan is to continue this for the next 10 years. ICICI Pru Bluechip - 12,000/- Mirae Asset Emerging Bluechip - 4,000/- Axis Mid-cap - 5,000/- HDFC Mid-cap Opp - 5,000/- Axis Small-cap - 6,500/- Quant Active - 6,500/- Parag Parikh Flexi-cap - 8,000/- UTI Nifty 50 - 6,000/- Navi Nasdaq - 6,000/- Tata Digital Industries - 5,000/- Please let me know if you see any need for corrections or changes in my portfolio. Thank you.

Ans: You don't need to invest in so many schemes. There is a lot of overlap in your mutual fund portfolio holdings if you look at individual scheme's portfolios. So just investing the same monthly amount in up to 4 funds would be more than sufficient. You can pick one from Largecap Index Fund, 1-2 from a Flexicap/Large&Midcap Fund, 1-2 from Mid/Smallcap funds and that should be sufficient. In general, most investors are better off avoiding thematic/sectoral funds.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

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Question by rudolf - Sep 19, 2023Hindi

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dear nikunj, First of all, thank you for taking the time to review questions from viewers. Your efforts are truly appreciated from the bottom of my heart. I would be really grateful if you could review my investment portfolio. I invest 64,000/- every month in a direct mutual fund, and my plan is to continue this for the next 10 years. ICICI Pru Bluechip - 12,000/- Mirae Asset Emerging Bluechip - 4,000/- Axis Mid-cap - 5,000/- HDFC Mid-cap Opp - 5,000/- Axis Small-cap - 6,500/- Quant Active - 6,500/- Parag Parikh Flexi-cap - 8,000/- UTI Nifty 50 - 6,000/- Navi Nasdaq - 6,000/- Tata Digital Industries - 5,000/- Please let me know if you see any need for corrections or changes in my portfolio. Thank you.

Ans: You have selected good funds in your portfolio

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Age 41 years. Time horizon 20 years. My portfolio consists of 3 elss funds. Parag parikh elss tax saver, kotak elss tax saver, sbi long term equity fund. Kindly review if my portfolio is good or if i need any changes?

Ans: Hello;

You may keep one ELSS fund(SBI long term equity) and replace the other with one large and midcap type mutual fund ( Kotak Emerging Opportunities Fund) and one small cap type mutual fund (Nippon India Small cap fund).

Since your horizon is 20 years decent exposure to small and midcap is desirable to provide you that 'Alpha', albeit at a higher risk.

Happy Investing!!

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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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