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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Jun 21, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by N on Jun 13, 2023Hindi

Money

Is it right time to sell MF units of "HDFC Balance Advantage Fund "Direct Plan - IDCW @ Rs. 34.68 / Unit, when getting 13% profit?

Ans: Hello Value Investor. HDFC Balance Advantage Fund is recommended both for short and long run. It depends on invested time horizon . I would advice to hold the fund for long run instead of sell.

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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Question by Garg - Oct 06, 2022Hindi

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HALLO I AM PURSHOTTAM LAL AND MADHUBALAINVESTOR LAST 20 YEARS IN MF SCHEME. MY COMBINED INVEST FOLLOWING MFS: 1.ADITYA BIRLA SUN LIFE FOCUSED EQUITY FUND ( SIP AMOUNT 2000)/PM/21-01-2013 TO 21-01- 2025) LUM SUMP -25000/( WHEN MARKET WAS FALLEN ) 2.AXIS BLUE CHIP FUND ( SIP AMOUNT 5000) 17/3/2020 TO 17/3/2025. LUM SUMP = 25000 @ 34.50 ( 18/9/2020) 3.AXIS MULTI CAP FUND DIRECT PLAN LUM SUMP- 20000@9.39 ( DATE OF INVESTMENT 4-12-2021/26-05-2022) 4.CANRA ROBECO EQUITY TAX SAVER FUND REGULAR PLAN SIP AMOUNT 2000/ FROM 7-07-2011 TO 7-06-2030 5. DSP FLEXI CAP FUND (SIP AMOUNT 2500/PM) FROM 25-08-2020 TO 25-08-2030) 6.DSP TAX SAVER FUND DIRECT PLAN ( 10 YEAR COMPLETE) SIP AMOUNT 2500/COMPLETE ON 10-7-2022) PLESE TELL ME DSP TAX SAVER FUND SELL IT OR HOLD/NEXT 5 YEARS 7. ITI VALUE FUND LUM SUMP -20000 8. ICICI PURDENTIAL HEALTHCARE EETF FUND ( LUMSUMP 10000( 1.5 YEARS AGO) 9. MAHINDRA MANULIFE BALANCEDADVVANTAGE YOGNA LUM SUMP 10000/23-12-2021 10.UTI FOCUSED EQUAITY FUND-------LUMMP- SUMP-20000 ( 25-8-2021) PLEASE TELL ME 7 TO 10 Sr No FUNDS SELL IT OR HOLD IT OR SWITCH IT?

Ans: Hello Garg pankaj kumar. My recommendation would be to switch to better schemes of the same AMC for ICICI & UTI.

ITI & MAHINDRA MANULIFE should be redeemed and reinvested in better schemes of different AMCs.

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Question by Babu - Mar 22, 2023Hindi

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I am sixty three and having 1470 units of SBI large & midcap Fund Regular 2355 units of ICIC Technoly fund . Should i sell or hold it

Ans: SBI Large and Midcap Fund is a good fund in the category and can be held on to in case you wish to have exposure to this category. But please remember that this category of Large and Midcap Fund will always have at least 35% exposure to midcap stocks which makes it in a higher risk grade. If you wish to continue with the fund, do note the degree of risk you are taking and whether you are comfortable with it.

ICICI Pru Technology Fund is a good fund in the Tech Fund category. However, I do not recommend anybody to have exposure to any sectoral category fund since any sectoral category is typically cyclical in nature. It is always better to have a diversified fund – in case a particular theme or category is likely to do well in times to come, a good fund will anyway add it in the portfolio and hold it there as long as that sector or theme is relevant.

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Question by vikrant - Apr 18, 2023Hindi

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Hi Sir, I have 100 units of HDFC Mid-Cap Opportunities Fund - Growth fund, it is giving 10 times amount now can i sell this fund or hold, please suggest.

Ans: Hello Vikrant. If your investment horizon is for 6-10 years, I would suggest to hold HDFC Mid-Cap Opportunities Fund in your portfolio.

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Question by Surander - Apr 28, 2023Hindi

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I am investing HDFC midcap opportunity fund since 2020 and having profit approximate 3lacs. Should i continue or withdraw.

Ans: Hi Surander, thanks for writing to me. You can continue investing in the fund.

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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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