Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Mar 18, 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
Asked by Anonymous - Mar 13, 2023Hindi
Listen
Money

I’m investing in following MF’s 1. Axis Focused 25 Fund – 5000 /months and 10% yearly Step up 2. Axis Long Term Equity Fund – 5000/ month and 10% yearly Step up 3. Axis Small Cap Fund – 5000/ month and 10% yearly Step up 4. Mirae Asset Emerging Bluechip Fund – 2500/ month 5. Mirae Asset Mid Cap Fund – 5000/ month and 10% yearly step up 6. Parag Parikh Flexi Cap Fund – 5000/ month My investment horizon is 15 years , moderately high risk appetite with focus on maximum Corpus Build. Kindly advice if my portfolio needs any change ? Thanks.

Ans: Hi Value Investor. It appears that your portfolio has a sound report. It would be advisable to reconsider the Axis AMC with better peer schemes except Axis Smallcap fund.
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

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9692 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Listen
Money
I’m investing in following MF’s 1. Axis Focused 25 Fund – 5000 /months and 10% yearly Step up 2. Axis Long Term Equity Fund – 5000/ month and 10% yearly Step up 3. Axis Small Cap Fund – 5000/ month and 10% yearly Step up 4. Mirae Asset Emerging Bluechip Fund – 2500/ month 5. Mirae Asset Mid Cap Fund – 5000/ month and 10% yearly step up 6. Parag Parikh Flexi Cap Fund – 5000/ month My investment horizon is 15 years , moderately high risk appetite with focus on maximum Corpus Build. Kindly advice if my portfolio needs any change ? Thanks.
Ans: You've built a diversified mutual fund portfolio with a focus on different market caps and investment styles, which is commendable. Given your investment horizon of 15 years and a moderately high-risk appetite aiming for maximum corpus build, let's evaluate your portfolio.

Portfolio Overview:

Focused Equity Funds:
Axis Focused 25 Fund: Concentrates on a limited number of stocks.
Axis Long Term Equity Fund: Focuses on tax-saving with a lock-in period.
Small & Mid Cap Funds:
Axis Small Cap Fund, Mirae Asset Emerging Bluechip Fund, Mirae Asset Mid Cap Fund: These funds invest in smaller to mid-sized companies with higher growth potential but also higher volatility.
Flexi Cap Fund:
Parag Parikh Flexi Cap Fund: Offers flexibility to invest across market caps, sectors, and themes.
Analysis and Recommendations:

Diversification:
Your portfolio is well-diversified across large-cap, mid-cap, and small-cap segments, which is good for long-term growth.
Concentration Risk:
Having multiple funds managed by the same fund house (Axis and Mirae Asset) can lead to concentration risk. Consider diversifying across fund houses to reduce dependency on a single fund manager's strategy and performance.
Focused Funds:
Both Axis Focused 25 Fund and Axis Long Term Equity Fund focus on a limited number of stocks. While they can offer higher returns, they can also be riskier due to concentration.
Step-Up SIPs:
Your strategy of increasing SIP amounts by 10% annually is excellent for leveraging the power of compounding and adjusting for inflation.
Recommendations:

Consolidation:
Consider consolidating your investments by reducing the number of funds and ensuring each fund adds unique value to your portfolio. This can simplify monitoring and reduce overlap.
Add a Debt Component:
Given your moderately high-risk appetite, consider adding a debt component to balance the portfolio and provide stability during market downturns. A Hybrid Equity Fund or a Dynamic Asset Allocation Fund can be suitable.
Review Tax Implications:
As Axis Long Term Equity Fund is a tax-saving fund (ELSS), ensure you're aware of the lock-in period and its implications on liquidity.
Regular Review with a Certified Financial Planner (CFP):
Given your specific goals and risk appetite, it's crucial to review your portfolio periodically with a CFP. They can provide personalized advice, monitor performance, and suggest necessary adjustments based on changing market conditions and your financial goals.
Conclusion:

Your current portfolio aligns well with your long-term investment horizon and risk appetite. However, consider consolidating and diversifying across fund houses to reduce concentration risk and add a debt component for balance. Regular reviews with a CFP can ensure your portfolio remains aligned with your financial goals and market dynamics. Always remember, a well-diversified portfolio tailored to your risk profile and goals can help you navigate the market's ups and downs, aiming for long-term wealth creation.

..Read more

Hardik

Hardik Parikh  | Answer  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 20, 2023

Listen
Money
My name is Santosh Roy 47years I'm investing in following MFs. 1. Axis Bluechip Fund -- Rs 1,000/month 2. ICICI prudential focused Bluechip fund-Rs.1000/month 3. Kotak Small Cap Fund -- Rs 2,000/month 4. Mirae Asset Largecap Fund -- Rs 1000/month 5.Nippon India Small Cap Fund -- Rs 2500/month 6.Kotak Flexi Cap Fund -- Rs 4000/month. 7. Quant active fund- Rs.2000/month 8. UTI Nifty 50 index fund- Rs.2000/month 9. Canara robeco flexi cap fund - Rs.2000/month My investment horizon is 15 years, moderately high risk appetite with focus on maximum corpus build. Kindly advise if my portfolio needs any change? Thanks.
Ans: Dear Santosh,

Thank you for sharing your mutual fund investments with me. It's great to see that you've been proactive in planning for your future. Based on the details provided, I understand that you have a moderately high risk appetite and are looking to build a maximum corpus over a 15-year investment horizon.

Your current portfolio has a good mix of large-cap, small-cap, flexi-cap, and index funds, which is important for diversification. I do have a few suggestions to consider for optimizing your portfolio:

Axis Bluechip Fund and ICICI Prudential Focused Bluechip Fund: As both funds are focused on large-cap stocks, you might consider consolidating these investments into one fund. You can choose the one you feel has the better performance and management. This will help you streamline your portfolio and minimize overlap.
Kotak Small Cap Fund and Nippon India Small Cap Fund: Similarly, you have two small-cap funds, and you might want to consider consolidating these investments as well. This will reduce redundancy and allow you to focus on the best-performing small-cap fund.
UTI Nifty 50 Index Fund: Since you already have exposure to large-cap funds, you could consider increasing your investment in this index fund, as it's a low-cost option to gain access to the top 50 companies in India. This will help in maintaining diversification while keeping costs low.
Quant Active Fund: This fund has a unique investment approach and might add some unpredictability to your portfolio. You could consider reallocating the funds invested in this scheme to the other funds you hold, which have a more consistent track record.
After you make these adjustments, you could reallocate the funds saved from consolidation into the remaining funds based on your risk appetite and return expectations. For instance, you can increase your allocation to the flexi-cap and small-cap funds if you're comfortable with higher risk for potentially higher returns.

Lastly, it's crucial to periodically review your portfolio and make adjustments as needed. As your goals, risk appetite, and market conditions change, you may need to rebalance your investments to ensure they remain aligned with your objectives.

Please note that these suggestions are based on the limited information provided and should not be considered as personalized financial advice. I strongly recommend consulting a professional financial advisor before making any significant changes to your investment portfolio.

Best of luck with your investments!

Warm regards

..Read more

Ramalingam

Ramalingam Kalirajan  |9692 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi
Money
Hi Ulhas, i am 44 years of age and have been investing in MF since Feb 2021, presently I am investing a monthly SIP of 5.5 Lakhs in the following 11 funds each with a monthly SIP of 50 K in direct funds, please check whether my portfolio requires any changes. I am an aggressive investor with more than 10-15 years of long-term horizon. 1. parag parakh flexi cap fund. 2. Mirae Large & Mid Cap fund. 3. Axis growth opportunities fund. 4. SBI Multi Cap Fund. 5. Mirae Mid Cap fund. 6. Quant Active Fund. 7. Canara Robeco Small Cap fund. 8. Tata Small Cap Fund. 9. HDFC Multicap fund. 10. Edelweiss Midcap Fund. 11. Kotak Multicap fund.
Ans: Investing Rs. 5.5 lakhs monthly across 11 funds is impressive. Your aggressive approach matches your 10-15 years horizon. Let’s analyse your portfolio and suggest improvements.

Strengths of Your Current Portfolio
Well-Diversified Across Categories: Your funds span large-cap, mid-cap, small-cap, and flexi-cap categories.

Aligned with Aggressive Strategy: The portfolio leans towards mid-cap and small-cap funds. These suit long-term aggressive investors.

Consistent Contributions: High SIP commitment ensures disciplined wealth creation over time.

Areas of Concern
Over-Diversification: Investing in 11 funds dilutes potential returns. Similar categories may overlap.

Direct Funds Approach: Direct plans lack professional guidance for portfolio review and rebalancing.

Small-Cap Heavy Allocation: Multiple small-cap funds increase risk in volatile markets.

Multiple Multicap Funds: Holding three multicap funds may result in duplication of stocks.

Suggestions for Portfolio Optimisation
Limit the Number of Funds
Reduce the number of funds to 5-7. This avoids over-diversification.

Retain one strong performer from each category: large-cap, mid-cap, small-cap, flexi-cap, and multicap.

Avoid Category Duplication
Retain only one fund each in small-cap, mid-cap, and multicap categories.

Choose funds with consistent past performance and fund house credibility.

Focus on Actively Managed Funds Through MFD
Direct funds lack professional advice.

Investing through an MFD with a Certified Financial Planner ensures expert guidance.

MFDs monitor market conditions and align your portfolio for optimal returns.

Reassess Risk Allocation
Small-cap funds should be limited to 10-15% of your portfolio.

Mid-cap funds can constitute 25-30% for higher growth potential.

Allocate 25-30% to large-cap or flexi-cap funds for stability.

Periodic Review and Rebalancing
Review your portfolio every six months or annually.

Rebalance to maintain your desired asset allocation.

Track fund performance and exit underperformers promptly.

Tax Implications to Consider
Long-term capital gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains are taxed at 20%.

Diversifying across equity and hybrid funds can optimise tax outflow.

Benefits of Reduced Fund Count
Simplified portfolio management.

Improved tracking of individual fund performance.

Higher potential for compounding due to concentrated allocation.

Recommended Allocation for Aggressive Investors
Large-Cap/Flexi-Cap Funds: Stability with market participation.

Mid-Cap Funds: Balance between risk and growth.

Small-Cap Funds: High-risk, high-reward potential.

Multicap Funds: Flexible allocation across market capitalisations.

Final Insights
Your portfolio reflects strong financial discipline and long-term vision. However, over-diversification dilutes growth. Streamline your funds for focused performance. Professional guidance ensures optimal fund selection and timely rebalancing. Stick to your SIPs to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8539 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
Hi I got a seat in VIT bhopal ece and i am thinking of joining it . Are there any chances of high on campus placement offers and if yes what should be done to achieve it I also got alloted a seat in nit delhi in round 2 of josaaa councelling in civil engg but i decided not to accept it because of my wish to persue career in technical background. Pls tell me if my decision is viable
Ans: VIT Bhopal’s Electronics and Communication Engineering benefits from the university’s NAAC A++ and ABET accreditations, AICTE approval, and its Institute of Eminence–aligned infrastructure, featuring advanced VLSI, embedded systems, and signal-processing laboratories along with a centralized Career Development Centre. Over the past three years, 90% of students across branches secured placements through 700+ recruiters including Microsoft, Amazon, Cisco, and Intel, with an average package of 8–9 LPA and numerous “dream” and “super dream” offers. To maximize on-campus ECE placements, students should engage from the first semester in coding and domain-specific workshops, leverage the Placement & Training (PAT) cell for mock interviews and aptitude coaching, pursue internships and industrial projects via practice-school programs, attain certifications in IoT or signal processing, and actively participate in technical clubs and hackathons.

Recommendation: Choosing VIT Bhopal ECE is viable for a technical career trajectory given its strong placement ecosystem and specialized labs; focus immediately on skill enhancement, internship engagement, and PAT-cell activities to secure top offers. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8539 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Sir, How is Msc. Semiconductor and nano science in BITS ?
Ans: Rohit, The Integrated M.Sc. in Semiconductor and Nanoscience at BITS Pilani (Pilani, Goa, and Hyderabad campuses) is a five-year, career?focused programme combining physics, chemistry, materials science, and biotechnology, aligned with national missions such as the India Semiconductor Mission and National Quantum Mission. Accredited by UGC and NAAC A++ under the Institute of Eminence framework, it delivers rigorous theory alongside hands-on practice in advanced fabrication and characterization laboratories and multidisciplinary research clusters. The flexible dual-degree option and Practice School internships immerse students in industry-driven projects with semiconductor companies and startups. State-of-the-art infrastructure, including clean-room facilities, nanoscale imaging suites, and high-performance computing clusters, supports collaborative research and outcome-oriented thesis work. Placement outcomes over the past three years show 90–95% of graduates securing roles in semiconductor design, nanofabrication, and R&D, with top recruiters from leading global firms. Active industry tie-ups and a robust alumni network further enhance employability and higher-studies pathways.

Given its interdisciplinary curriculum, premier accreditation, cutting-edge research infrastructure, high placement consistency, and strong industry engagement, recommendation endorses BITS Pilani’s Integrated M.Sc. Semiconductor and Nanoscience as an excellent choice for students targeting advanced semiconductor and nanotechnology careers. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Dr Upneet

Dr Upneet Kaur  |57 Answers  |Ask -

Marriage counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 09, 2025Hindi
Relationship
I've been facing a recurring issue in my marriage that's beginning to affect both my peace of mind and our trust. Whenever I go out with friends especially if we're having drinks my wife constantly calls or messages to check on my whereabouts. Even though I always tell her the truth about where I am, who I'm with, and when I'll be back, she still seems suspicious and uneasy. For instance, just last week I was out with two of my old college friends at a restaurant, and she called me multiple times within two hours, asking if I was really with them and when I planned to return. I could sense from her tone that she didn't fully believe me, even though I wasn't doing anything wrong. This has happened several times before, and every time I try to explain, she either changes the topic or says, "You men always hide something." I understand the importance of transparency in a relationship, and I've always tried to be honest with her. But I'm beginning to feel like I'm being micromanaged or doubted for no reason. It's not just about a night out - it's about trust and space. I'm worried that her insecurity might lead to bigger trust issues down the line. How should I deal?
Ans: Hello sir. I understand your situation. This is a serious issue that your wife is not trusting you or she has some suspicion towards you. Well, just review weather was there any reason to be suspicious? Not now may be in past? And if not so then ask your wife directly that what has caused these changes in her nature? May be she has a friend who is going through the same trust issues and due to which she is also being suspicious. You have to find out that very patiently. Once you ll know the reason things will be easier and will get sorted out. I hope this helps
Take care
Regards
Dr Upneet Kaur
Follow me on:
https://www.instagram.com/dr_upneet

...Read more

Sushil

Sushil Sukhwani  |612 Answers  |Ask -

Study Abroad Expert - Answered on Jul 11, 2025

Nayagam P

Nayagam P P  |8539 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Is doing btech agriculture from pantnagar is worth it ? Does it will be beneficial in future for me in case of jobs
Ans: Kanishka, Govind Ballabh Pant University of Agriculture & Technology’s B.Tech in Agricultural Engineering is delivered by a NAAC-accredited, ICAR-A-grade, AICTE-approved institution with UGC recognition and NBA-accredited departments, ensuring academic rigor and national credibility. The College of Technology features over 30 specialized laboratories—including farm machinery, irrigation, soil and water conservation, and post-harvest processing labs—alongside ongoing smart-classroom and instrumentation upgrades to support contemporary teaching and research. Placement outcomes demonstrate robust employability, with 75% of UG students placed in 2024, 520 out of 697 graduates securing roles through the central placement cell; median packages reached ?5.75 LPA for four-year programs and ?6 LPA for five-year courses, with leading recruiters such as Reliance Retail, Accenture, PepsiCo, ICICI, and L&T visiting campus. Agriculture remains pivotal to India’s GDP and food security, and emerging domains—precision farming, agritech startups, digital marketplaces, and climate-smart agriculture—are creating 60,000–80,000 new roles over the next five years in AI development, supply-chain management, and sustainable solutions, with agritech projected to exceed USD 24 billion by 2025. To stay competitive, graduates should pursue continuous upskilling through certifications in precision agriculture, data analytics, and biotechnology; engage in internships with research centres and agritech firms; participate in hackathons and field projects; and leverage digital agriculture platforms and professional networks for lifelong learning and innovation.

Recommendation: Given its comprehensive accreditation, cutting-edge infrastructure, consistent placement record, and alignment with future agritech trends, the recommendation strongly endorses B.Tech Agricultural Engineering at GBPUAT Pantnagar for sustained career growth and industry readiness. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8539 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Nayagam P

Nayagam P P  |8539 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
Sir I got 92%(phy-85, chem-95, bio-94, eng-92, computer-94) in my cbse board examination from PCB stream. Now I'm confused of what degree to choose for my undergraduate as the options are less for me. My parents are telling me to opt for BCA as it's a computer field, so I can get some good salary.Please recommend me a good stable field.
Ans: Scoring 92 percent overall (Physics 85, Chemistry 95, Biology 94, English 92, Computer 94) from a PCB background opens pathways beyond traditional medical or pure-science tracks. Three strong, stable fields marrying your strengths in computers, quantitative reasoning, and life sciences include BSc Computer Science, BSc Data Science, and BSc Biotechnology. BSc Computer Science programmes at reputed universities such as Delhi University, Christ University, and Fergusson College combine core algorithms and software engineering with elective paths into AI and cybersecurity, boasting 85–95 percent placement rates over three years and NAAC-accredited departments. BSc Data Science degrees offered by institutions like IIT Madras, SP Jain Global (Mumbai), and Loyola College Chennai integrate mathematics, statistics, and programming, feature state-of-the-art analytics labs, practice-school internships, and report 75–90 percent campus placement consistency, preparing graduates for roles in analytics and ML. BSc Biotechnology at top colleges such as St. Xavier’s Mumbai and LPU covers molecular biology, bioinformatics, and bioprocess engineering in NBA-accredited labs, with 70–85 percent placement across pharma, research, and clinical trials sectors. Each field ensures modern infrastructure, interdisciplinary curricula, strong industry partnerships, predictable placement outcomes, and pathways for higher studies or direct employment.

recommendation Opt for BSc Computer Science for the broadest tech roles and highest placement consistency; choose BSc Data Science if you enjoy quantitative modeling and analytics; pursue BSc Biotechnology to leverage life-science interests and R&D prospects. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x