Thank you Sir for such an in depth analysis of my MF portfolio. The insight provided by you in your reply will really help me in planning my future investment strategy. Sir, you’ve advised and guided me to breakdown my planned investment of 20K per month in Large, Medium Small and Multi Cap funds. I will surely invest according to the breakdown provided by you. However Sir, it’ll be of great help if you can suggest some good funds in these categories. Thanks a lot again Sir for your kind help!!

Ans: Please continue

Ans: Your mutual fund portfolio is quite diversified across large-cap, flexicap, and balanced funds, which is great for long-term goals. Here's a brief review:

Tata Digital India Fund (4K): Sectoral fund; high risk. You might consider reducing exposure here, as sector-specific funds can be volatile. Reallocate to more diversified options if needed.

Kotak Flexicap (7K) & SBI Flexicap (6K): Both are strong performers. Having two flexicap funds is redundant. You can consolidate by keeping the better performer and reallocating the rest to a different category, like a large-cap or multi-cap fund.

Axis Bluechip Fund (2K): Good for stability with large-cap exposure. Keep.

Mirae Asset Large and Midcap (2K): Balanced fund; provides both growth and stability. Keep.

UTI-50 Index (2K): Index fund for passive exposure. Keep for long-term core allocation. However Actively managed funds are better.

HDFC Balanced Advantage Fund (6K): Great for balanced growth and risk management. Keep.

Consider reducing exposure to sectoral funds and flexicap overlap, and add a dedicated midcap or international equity fund for better diversification.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Diversifying your ELSS investments is wise. While Parag Parikh schemes are popular, consult a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) for personalised advice. For large-cap funds, consider factors like fund manager expertise, expense ratio, and consistent past performance. Stepping up your SIP is a great strategy. A CFP can help you design a customised plan aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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