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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 04, 2020

Mutual Fund Expert... more

Question by Ramesh on Aug 04, 2020Hindi

Money

SIP Details ongoing since last 4 years, should I continue with the same schemes or request your kind suggestion / advice. SIP amount of Rs.3000 per month in each of the MF.

1) Birla Sun Life Pure Value Fund - Growth
2) Canara Robeco Emerging Equities - Growth
3) DSP Black Rock Income Opportunities Fund - Growth
4) DSP Black Rock Small And Mid Cap Fund - Growth
5) Franklin India Prima Fund - Growth
6) Kotak Emerging Equity Scheme - Regular Plan - Growth
7) L&T Emerging Businesses Fund - Regular Plan - Growth
8) L&T India Value Fund - Regular Plan - Growth
9) SBI Magnum Midcap Fund - Growth
10) Sundaram Select Midcap – Growth

Ans:

Name of the Fund	Category	RankMF Star Rating	Recommendations
Ramesh Koti
1) Birla Sun Life Pure Value Fund – Growth	Equity - Value Fund	1	switch to Axis ESG Fund - Growth
2) Canara Robeco Emerging Equities – Growth	Equity - Large & Mid Cap Fund	4	continue
3) DSP Black Rock Income Opportunities Fund - Growth (Dsp Credit Risk Fund - Regular Plan)	Debt - Credit Risk Fund	2	Credit Risk funds to be avoided , instead Corporate Bond or Banking and PSU funds to be considered
4) DSP Black Rock Small And Mid Cap Fund - Growth
Dsp Small Cap Fund - Regular Plan – Growth	Equity - Small cap Fund	2	switch to Axis ESG Fund - Growth
Dsp Midcap Fund - Growth	Equity - Mid cap Fund	4	continue
5) Franklin India Prima Fund - Growth	Equity - Mid Cap Fund	2	Switch to - Dsp Midcap Fund - Growth
6) Kotak Emerging Equity Scheme - Regular Plan - Growth	Equity - Mid Cap Fund	3	Switch to - Dsp Midcap Fund - Growth
7) L&T Emerging Businesses Fund - Regular Plan - Growth	Equity - Small cap Fund	2	switch to Axis ESG Fund - Growth
8) L&T India Value Fund - Regular Plan – Growth	Equity - Value Fund	2	switch to Axis ESG Fund - Growth
9) SBI Magnum Midcap Fund - Growth	Equity - Mid Cap Fund	2	Switch to - Dsp Midcap Fund - Growth
10) Sundaram Select Midcap – Growth	Equity - Focused Fund	2	switch to Axis Focused 25 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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You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jul 07, 2022

Question by Amit - Jul 07, 2022Hindi

Money

I am 27 years. I have started my sip in 2017 in following schemes. Should I continue for these schemes or require any changes? I am long term investor. 1. Mirae Asset Bluechip fund -- 4500 2. L& T midcap Fund -- 1500 3. Nippon india small cap fund -- 1500 4. Kotak standard multicap fund -- 1500 5. Parag Parikh flexicap fund -- 1000

Ans: No Change is required, please continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 02, 2021

Question by Mujib - Aug 02, 2021Hindi

Money

I have the following SIPs every month since August 2017. Kindly advise if I should continue with existing schemes or switch to a better rated and better performing scheme. My time horizon is 10 years minimum. 1. HDFC Hybrid Fund - Direct - Growth - Rs. 3500/- 2. Principal Emerging Bluchip Fund - Direct - Half Yearly IDCW Paoput - Rs. 2500/- 3. ICICI Prudential Large & Midcap Fund - Direct - Half Yearly IDCW Payout - Rs. 3000/- 4. Kotak Flexicap Fund - Direct - IDCW Payout - Rs. 2500/- 5. Aditya Birla Sun Life Frontline Equity Fund -IDCW-Direct Plan - Rs. 3000/- 6. Aditya Birla Sun Life Flexicap Fund -IDCW-Direct Plan - Rs. 3500/-

Ans: These are better options:

1. CANARA ROBECO EQUITY HYBRID FUND - GROWTH

2. Axis ESG Equity Fund – Growth

3. Motilal Focused 25 Fund – Growth

4. ICICI Pru US Bluechip Equity Fund – Growth

5. UTI Flexi Cap fund – Growth

6. DSP Quant Fund – Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 27, 2021

Question by Ashish - Oct 27, 2021Hindi

Money

Hope this mail finds you well! I have SIPs in the following schemes Fund (Growth) Amount Frequency 1. Quant Infrastructure Fund - Direct Plan ₹2,000 Weekly 2. Mirae Asset Emerging Bluechip Fund - Direct Plan ₹2,500 Monthly 3. SBI Banking & Financial Services Fund - Direct Plan ₹1,000 Weekly 4. Tata India Consumer Fund - Direct Plan ₹1,000 Weekly 5. Axis Bluechip Fund - Direct Plan ₹1,000 Weekly 6. Parag Parikh Flexi Cap Fund - Direct Plan ₹1,500 Weekly 7. Franklin India Feeder - Franklin U.S. Opportunities Fund - Direct Plan ₹1,500 Weekly My goal is to create wealth by doing SIPs for a long time. Kindly let me know if these schemes are good for the long run or are there are better alternatives to move or rejig in my MF portfolio. Also, I am thinking for my wife to invest SIPs of 5k monthly each in SBI small-cap or mid-cap fund and quant ELSS fund. Kindly suggest to me whether these schemes are good or should I select something else.

Ans: Please continue. Some portion of investments can be in small-cap, mid-cap and ELSS.

Dev Ashish | Answer |Ask -Follow

MF Expert, Financial Planner - Answered on Aug 24, 2023

Question by Prasanna - Aug 13, 2023Hindi

Money

I am 48 years old and I wok in a company. i have the following SIPs in various MF schemes 1) Nippon Large Cap Fund -Rs. 500/-, IDBI top 200 Fund -Rs. 500/- 3) PGIM midcap opportunities fund -Rs. 1000/- 4) Quant Active Fund - Rs. 1000/- and 5) Quant Tax Saver Fund - Rs. 1000/-. Should I continue with the SIPs or discontinue any of them. Pls advise.

Ans: For the given total amount of investment being made monthly, you don't need to invest in so many schemes. Just one fund would be more than enough. It can be an ELSS if you have tax-saving requirements. Or it can be a simple flexicap fund as your existing portfolio seems to be a mix of large, mid and small-cap 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.

Ramalingam Kalirajan |10958 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 29, 2024

Question by Ganesan - Jul 25, 2024Hindi

Money

Sir, I maintain following SIP Rs 2500 monthly in following 8 MF. is it good to continue Scheme Name Nippon India Vision Fund Growth Plan Growth Option Franklin India Multicap Regular Plan Growth HDFC Defense Fund Regular Plan Growth ICICI Prudential Multi Asset Fund Growth MFGP - Canara Robeco Multi Cap Fund - Regular Growth Plan 02 - HDFC Flexi Cap Fund - Regular Plan - Growth GFGP - NIPPON INDIA GROWTH FUND - GROWTH PLAN GROWTH OPTION 017G - SBI Large & Midcap Fund Regular Growth

Ans: Evaluating Your SIP Portfolio
Current SIP Allocation
You have a diverse SIP portfolio. Each SIP is Rs 2,500 monthly. Here's a look:

Nippon India Vision Fund Growth Plan Growth Option

Franklin India Multicap Regular Plan Growth

HDFC Defense Fund Regular Plan Growth

ICICI Prudential Multi Asset Fund Growth

Canara Robeco Multi Cap Fund Regular Growth Plan

HDFC Flexi Cap Fund Regular Plan Growth

Nippon India Growth Fund Growth Plan Growth Option

SBI Large & Midcap Fund Regular Growth

Portfolio Assessment
Your SIP portfolio has eight funds. They cover multiple categories. Here are some insights:

Diversification: Your portfolio is diversified. This reduces risk.

Fund Categories: You have funds in multi-cap, flexi-cap, large & mid-cap, and sectoral. This is good for balanced growth.

Actively Managed Funds vs. Index Funds
You've chosen actively managed funds. This is a good decision. Actively managed funds can outperform the market. Certified Financial Planners can help select the best funds.

Disadvantages of Index Funds
Lack of Flexibility: Index funds cannot change their holdings.

Average Performance: Index funds only match market returns.

Market Risks: Index funds are fully exposed to market downturns.

Regular Funds vs. Direct Funds
Regular funds are better for many investors. Here's why:

Professional Advice: You get advice from Certified Financial Planners.

Convenience: Regular funds are easier to manage.

Better Decision Making: Regular funds help you avoid mistakes.

Suggested Adjustments
You have a good start. But a few adjustments can optimize your portfolio:

Reduce Overlap: Check for overlapping investments in similar funds. Too much overlap can dilute returns.

Sectoral Funds: HDFC Defense Fund is sector-specific. Sectoral funds can be volatile. Consider reducing allocation to sectoral funds.

Focus on Core Funds: Core funds like flexi-cap and multi-cap should form the bulk of your portfolio. They offer stability and growth.

Benefits of Regular Review
Regularly reviewing your portfolio is essential. This ensures alignment with goals and market conditions:

Rebalance Portfolio: Adjust your investments based on performance and goals.

Stay Informed: Keep up with market trends and fund performance.

Certified Financial Planner Advice: Regular consultations with a Certified Financial Planner can provide valuable insights.

Final Insights
Your current SIP portfolio is well-diversified. However, some fine-tuning can enhance its performance. Reduce overlap and focus on core funds. Regular reviews and Certified Financial Planner advice will keep your portfolio on track. Investing through regular funds provides professional guidance and convenience. Avoid sectoral and index funds to minimize risk and ensure better returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Naveenn Kummar |241 Answers |Ask -Follow

Financial Planner, MF, Insurance Expert - Answered on Jan 15, 2026

Question by Girish - Jan 14, 2026Hindi

Money

Hi, I am 55 years of age, an NRI working in Dubai and my company has a medical insurance policy that covers all medical expenses for me and my wife all over the world. In 5 years time, upon retirement, I will relocate back to India. Will I be able to take a medical insurance policy for myself and my wife at the age of 60 years ? If I take a medical insurance policy now, would it help in reducing the insurance premium ? Kindly advice.

Ans: Hi Girish

You are 55, working in Dubai, and currently covered under your company’s medical insurance worldwide. That cover is excellent, but please remember one important thing: it ends the day your employment ends. Health insurance planning has to look beyond employment.

Can you take a health insurance policy in India at age 60?
Yes, you can. Most insurers in India do allow entry at 60 years and even later.
However, at that age:

Premiums are significantly higher

Medical tests and scrutiny are much stricter

Any lifestyle condition or past medical history can lead to waiting periods, exclusions, or higher premiums

So while it is possible, it is not ideal to start fresh at 60.

Will taking a policy now help reduce premium later?
The bigger benefit is not just premium, but certainty and continuity.

If you take a policy now at 55:

You enter at a lower age slab

Mandatory waiting periods (usually 2–4 years) get completed well before retirement

By the time you are 60, the policy becomes mature and far more useful

Underwriting happens when you are younger and healthier

Premiums will still rise with age, but you avoid the sharp jump and uncertainty of entering as a new senior citizen.

But since you already have full medical cover, is this necessary?
Think of this Indian policy as a retirement safety net, not a replacement for your employer cover.

You do not need to actively use it now.
You just need it to run in the background, so that when you return to India, you are not forced to buy insurance at the worst possible time.

Many NRIs make the mistake of postponing this decision and then struggle at 60 when options become limited.

What kind of policy should you consider?
Keep it straightforward:

A family floater for you and your wife

Decent coverage, not the bare minimum

Focus on hospitalisation benefits

Buy it with the intention of continuing it for life

Avoid over engineering the policy. Simplicity works best in health insurance.

Final advice
Health insurance is one area where early action quietly pays off later.
You may never thank yourself at 60 for buying a policy at 55, but you will definitely regret not doing it if a medical issue arises.

Most obvious question how can I take the family floater insurance most insurance will issue when you are visiting India

Few insurance will issue incase your are not able to visit Indian the cost of medical test in your abroad hospital or clinic will cost you heavy on pockets

Naveenn Kummar
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

Komal Jethmalani |445 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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26 from Pune. I've been trying to lose weight for months, but it's been a real struggle. Even though I've cut down on rice, sweets, and fried food, the numbers on the scale hardly move. Some people say it's because I'm not eating enough, others say I should avoid carbs completely. I don't even know what's right anymore. Is there a healthy way to lose weight without feeling tired and hungry all the time? And how do I know if my metabolism has actually slowed down?

Ans: I understand how you feel stuck when the scale doesn’t move despite cutting back on obvious “problem foods.” Healthy weight loss isn’t about eliminating entire food groups or starving yourself. It’s about creating a sustainable calorie balance, protecting your metabolism, and finding the right mix of food, movement, and lifestyle. Cutting rice, sweets, and fried food helps, but if overall calories are still high (large portions, hidden oils, snacks), weight loss stalls. Eating too little can backfire — your body adapts by slowing energy expenditure, making fat loss harder. If you’re not eating enough protein or doing strength training, you may lose muscle, which lowers metabolism. A healthy way to lose weight is by adapting to a balanced, protein-rich diet with controlled portions, strength training, good sleep, and stress management without feeling tired or deprived.

Komal Jethmalani |445 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

Health

I was recently diagnosed with borderline diabetes, and my doctor said I need to control my diet. But honestly, it's very hard in our Indian households where every meal has rice, roti, and something sweet after lunch. I don't want to completely give up traditional food. How can I manage my sugar levels and still eat our normal home food without feeling like I'm on a strict diet all the time?

Ans: Indian meals are deeply cultural and comforting, and it’s not realistic (or enjoyable) to cut them out completely. The good news is you can manage borderline diabetes without giving up traditional food by making smart adjustments in portion, timing, and combinations. It’s less about restriction and more about balance. Choose whole grains like multigrain atta, jowar, bajra, ragi, or brown rice and mix with protein & fiber like rice/roti with dal, sabzi, and salad. Replace gulab jamun/halwa with fruit-based desserts (baked apple, fruit chaat, dates in moderation). Replace gulab jamun/halwa with fruit-based desserts (baked apple, fruit chaat, dates in moderation). Eat smaller meals more often, stay hydrated and exercise regularly.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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I live in Dehradun. I have Type 2 diabetes and work in an office where there's always tea and biscuits going around. It's so tempting, and I often give in thinking 'just one won't matter'. But later I feel guilty. What kind of healthy snacks or tea-time options can I keep at my desk that won't spike my sugar levels but still satisfy cravings?

Ans: That’s such a relatable challenge! I completely understand the temptation when biscuits are always around! The good news is you can absolutely enjoy tea-time without guilt if you keep diabetes-friendly snacks handy. The trick is to choose options that are low in refined carbs, high in fiber or protein, and portion-controlled so they satisfy cravings without spiking blood sugar. Include roasted chana (gram), unsalted nuts (almonds, walnuts, pistachios), seeds mix (flax, pumpkin, sunflower), roasted makhana (fox nuts) or low GI fruits like apple or guava slices paired with a few nuts, cucumber/carrot sticks with dips like hummus or hung curd.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

I've been told that fruits are good for health, but also that people with diabetes should avoid sweet fruits. This is so confusing because some say apples and papayas are fine, others say no fruits at all after meals. Can you please explain which fruits are actually safe for diabetics and how much is too much?

Ans: People with diabetes can safely eat fruits, but the key is choosing low-to-moderate glycemic index (GI) fruits and controlling portion sizes. Apples, papayas, berries, guava, and citrus fruits are generally safe, while very sweet fruits like mangoes, grapes, and bananas should be eaten in moderation. The safe limit is usually 1–2 servings of whole fruit per day, paired with meals rather than eaten alone to avoid sugar spikes.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Question by Hemantkumar - Dec 03, 2025Hindi

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Many of my friends in college have started doing intermittent fasting, and they keep talking about how effective it is for weight loss. Some of them say they've lost 4–5 kilos in just a few weeks by skipping breakfast and eating only between 12 PM and 8 PM. Seeing their results, I also started feeling tempted to try it. But I've been recently told that my blood sugar levels are a bit high, and I might be pre-diabetic. That's why I'm confused and a little scared. On one hand, everyone says intermittent fasting helps control weight and improves metabolism, but on the other hand, I keep reading that people with diabetes shouldn't stay hungry for long hours because it can cause a sugar drop. So I don't know what's true anymore. Is intermittent fasting actually safe for someone who has early signs of diabetes, or is it something I should completely avoid? And if it's risky, is there a safer way to manage my weight without harming my sugar levels?

Ans: Intermittent fasting can help with weight loss and improve insulin sensitivity in people with prediabetes, but it must be done cautiously and under medical supervision. Research shows fasting windows like 14–16 hours may lower blood sugar and reduce diabetes risk, but skipping meals without monitoring can cause dangerous sugar drops, especially if you’re already pre-diabetic. A safer approach is a balanced diet with controlled portions, higher protein, whole grains, and regular activity.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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I recently entered menopause, and I’ve noticed my weight going up no matter what I eat or how careful I try to be. Earlier, if I skipped sweets for a week or reduced portions, I could see a small difference, but now it feels like nothing works. My metabolism seems to have completely slowed down, and I also experience sudden mood swings, bloating, and fatigue. It’s quite frustrating because I’m eating mostly home food — chapati, sabzi, dal, very little oil — and I even try to go for walks regularly. Still, my clothes have become tighter and I feel more irritable than before. Some friends say it’s just hormonal and can’t be helped, while others suggest cutting carbs or going on a high-protein diet. But I’m not sure what’s safe or sustainable at this stage. Is there a specific kind of diet that can help women during menopause manage their weight, energy levels, and mood swings without feeling constantly hungry or deprived?

Ans: During menopause, weight gain and fatigue are common due to hormonal changes and a slower metabolism, but the right diet can help. A balanced approach is beneficial, such as a Mediterranean-style diet or a modified high-protein plan that emphasizes whole grains, lean protein, healthy fats, and plenty of vegetables. This supports weight management, stabilizes mood, and boosts energy without leaving you hungry. Pairing this with strength training, good sleep, and stress management can help you manage weight, energy, and mood swings sustainably.

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Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Dec 03, 2025Hindi

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Everyone talks about CLEAN EATING these days, but I'm not sure what it actually means. Does it mean avoiding all packaged foods, or just choosing the right kind?

Ans: Clean eating doesn’t mean avoiding all packaged foods. It’s about choosing foods that are minimally processed, nutrient-dense, and close to their natural state. It includes limiting sugary snacks, refined grains, fried foods, etc. and focusing on whole foods like fruits, vegetables, lean proteins, whole grains, nuts, seeds, and healthy fats. Packaged foods can fit into clean eating if they’re simple, whole, and free from excessive additives, sugar, or preservatives.

Komal Jethmalani |445 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Jan 15, 2026

Asked by Anonymous - Jan 05, 2026Hindi

Is it unhealthy to drink black coffee in the morning? I have been told it helps in losing belly fat. Is it true?

Ans: Drinking black coffee in the morning is generally safe for most healthy adults, and while it can slightly boost metabolism and suppress appetite, it does not directly burn belly fat. Sustainable fat loss requires overall diet control and lifestyle changes, and not coffee alone.

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Tax Expert - Answered on Jan 14, 2026

Asked by Anonymous - Jan 10, 2026Hindi

Money

Main abhi thekedaar ke under rehkar kaam kr reha hu or pf bhi kat reha hai or sath me iti bhi kr reha hu meri iti krne ke baad mera jo abhi pf kat reha or jo pf number hai usme koi problem to nahi hogi jab me iti krne ke baad kissi dusri company me joining karunga iti certificate k sath

Ans: No problem with your PF Number. You can continue with same number but you need to inform your new employer about your PF number when joining the company

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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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