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

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 06, 2020

Mutual Fund Expert... more
Shantnu Question by Shantnu on Nov 06, 2020Hindi
Listen
Money

I have SIP in three different large cap funds. Out of this Nippon is not performing. What should I do as I have observed a trend that particular mutual fund generates good return for some time and then it becomes Underperformer? Shall I continuously switch my investment as per the fund performance as it may happen that in future Axis Bluechip could underperform then again I have to switch out my investment to another fund?

1. Nippon india large cap (Investment till now Rs 80000) SIP 2000/month 

2. Mirae asset Large Cap (Investment till now Rs 120000) SIP 5000/month 

3. Axis Bluechip fund (Investment till now Rs 40000) SIP 3000/month 

Ans: Please continue with Mirae and Axis Large cap funds and may include Uti Equity Fund-growth Plan-growth and / OR Parag Parikh Long Term Equity Fund- Regular Plan Growth

Portfolio Review:

Once the funds and categories are identified and investment is made thereafter it becomes very important to periodically review the portfolio.

The frequency at which investments can be review in 6 months to a years' time depending upon the objective, tenure and the risk profile. 

Few of the parameters that can be used when to review in between are as under.

1) Material change in the category of the fund due to regulatory requirement i.e. at present multi cap funds

2) Major events i.e. corporate tax rate cut that happened last year on 23rd September 2019, few industries / sectors had more benefit, few may have not; similarly, Covid 19 impacts (not panic part)

3) If all remains normal, then look at the portfolio churn ratio; lower ratio means the fund portfolio will change slowly and therefore the review can be once a year; however it the ratio is very high then constant review is required i.e. in 3 months.

4) If there is substantial underperformance vis-a-vis category as well as benchmark for couple of quarter, fund needs review

5) If there are certain realignment required in the set objectives / goals or change in risk profile considering dynamic nature of live.

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

Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 20, 2019

Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 20, 2019

Latest Questions
Nayagam P

Nayagam P P  |9353 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Nayagam P

Nayagam P P  |9353 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Career
Sir my son got 21941 rank with 98.57 percentile and he got Cs and AI in IIIT Bhopal,we are waiting for CSAB also pls give suggestions for better choice
Ans: Shama Madam, With a JEE Main percentile of 98.57 (All-India rank 21 941), your son's seat in IIIT Bhopal for Computer Science & Artificial Intelligence is secure given its CSAB 2024 closing rank of 26 625 for CSE. Beyond IIIT Bhopal, multiple central institutes accept ranks around 20–30 000 for CSE under All-India quota, offering stronger brand value and infrastructure. IIIT Guwahati admitted CSE students up to rank 24 561, IIIT Pune closed CSE at 18 979 in Round 5, IIIT Ranchi’s CSE cutoff reached 36 246, IIIT Dharwad admitted up to rank 41 608, and IIIT Kota accepted CSE at 38 000. Among NITs, only a few remote campuses (e.g., NIT Goa CSE OBC-NCL at 109 017) admit far higher ranks, rendering CSE at mainstream NITs unlikely. GFTIs such as Assam University–Silchar and NIELIT Aurangabad offer CSE and related electronics programmes with closing ranks above 80 000, but these diverge from core CSE. These options ensure robust AICTE/NBA accreditation, modern labs, experienced faculty and 75–90 percent placement trends.

Recommendation: Considering tier, specialisation and placement potential, IIIT Bhopal remains the foremost choice, followed by IIIT Guwahati for its strong northeastern campus and research focus, IIIT Pune for its urban connectivity and growing industry ties, IIIT Ranchi for its established PPP model and recruiter network, and IIIT Dharwad for its cutting-edge curriculum and emerging tech labs. All the BEST for a Prosperous Future!

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

...Read more

Ravi

Ravi Mittal  |623 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 24, 2025

Nayagam P

Nayagam P P  |9353 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Career
Can i get mechanical in nits tier2 in csab counselling please My jee rank is 52k CRL and 15k in OBC
Ans: Ankush, I think I have already answered your question. Anyway, please note, Admission to Mechanical Engineering at mid-tier NITs via CSAB Special Rounds for an OBC-NCL rank of 15 000 is feasible despite a CRL of 52 , since seat allocation for reserved categories follows the category rank. In CSAB 2024, NIT Durgapur’s Other-State mechanical closing rank was 33 265 (General) and its OBC-NCL seats historically close within the 11 000–12 000 band. NIT Patna’s Other-State OBC-NCL mechanical cutoff stood at 51 338 in Round 1, with Home-State OBC-NCL seats closing around 53 621. NIT Goa’s Other-State OBC-NCL mechanical rank closed at 60 029 in Round 1 and 67 845 in Round 2, showing ample margin for a 15 000 OBC-NCL rank. Similar trends apply to NIT Puducherry and NIT Sikkim, whose OBC-NCL mechanical cutoffs exceed 40 000. IIIT and GFTI mechanical streams typically close at much higher ranks, so GFTIs like NIELIT Aurangabad (Electronics Systems) and Institute of Infrastructure, Technology, Research and Management Ahmedabad (Mechanical) also remain options. A BITSAT score of 199 corresponds to a rank beyond 32 000, falling short of all BITS campus cutoffs for CSE and mechanical, so BITS admission is not possible.

Recommendation: Fill out a maximum of your preferred choices of Insitutes & Branches. With strong prospects at NIT Durgapur, NIT Patna and NIT Goa under OBC-NCL reservations, accept your CSAB choices in mechanical at these institutes. As robust private-college backups in Northern India apply to Manipal Academy of Higher Education (Manipal Campus)(if JEE score is accepted), Jaypee Institute of Information Technology Noida, J.C. Bose University of Science & Technology (YMCA UST) Faridabad, Galgotias University Greater Noida and Chandigarh University, each offering accredited CSE curricula, specialized labs, dedicated placement cells with 80–95% three-year placement consistency, and accessible admission tests. Ensure timely applications to these private institutes while finalizing your CSAB mechanical seat. All the BEST for 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