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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 04, 2020

Mutual Fund Expert... more

Question by Nitin on Aug 04, 2020Hindi

Money

My wife has been investing Rs. 1000 per month in the following Mutual funds for the last 3 years. Kindly advice whether we should continue or switch over to some other mutual funds. we will be requiring the amount after 2 years for my sons education after 12th.

Aditya Birla Sun Life Equity Fund - Growth-Regular Plan
Aditya Birla Sun Life Frontline Equity Fund -Growth-Regular Plan
BOI AXA Mid & Small Cap Equity & Debt Fund - Regular Plan - Growth
DSP Focus Fund - Regular Plan - Growth
HDFC Hybrid Equity Fund - Regular Plan - Growth
Mirae Asset Large Cap Fund -Regular Growth Plan

Lumpsum amount of Rs 36,000 in the following Mutual funds:

RELIANCE MULTI CAP FUND - GROWTH PLAN GROWTH OPTION
RELIANCE FOCUSED EQUITY FUND - GROWTH PLAN GROWTH OPTION

Ans:

Name of the Fund	Category	RankMF Star Rating	Recommendations
Nitin Pendharkar
Aditya Birla Sun Life Equity Fund - Growth-Regular Plan	Equity - Multi Cap Fund	2	Switch to UTI Equity fund - Growth
Aditya Birla Sun Life Frontline Equity Fund -Growth-Regular Plan	Equity - Large Cap Fund	3	Switch to UTI MasterShare - Growth
BOI AXA Mid & Small Cap Equity & Debt Fund - Regular Plan – Growth	Hybrid - Aggressive Hybrid Fund	4	continue
DSP Focus Fund - Regular Plan - Growth	Equity - Focused Fund	3	switch to Axis Focused 25 Fund - Growth
HDFC Hybrid Equity Fund - Regular Plan – Growth	Hybrid - Aggressive Hybrid Fund	5	continue
Mirae Asset Large Cap Fund -Regular Growth Plan	Equity - Large Cap Fund	4	Continue
RELIANCE MULTI CAP FUND - GROWTH PLAN GROWTH OPTION	Equity - Multi Cap Fund	1	Switch to UTI Equity fund - Growth
RELIANCE FOCUSED EQUITY FUND - GROWTH PLAN GROWTH OPTION	Equity - Focused Fund	1	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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Head, Rank MF - Answered on Aug 03, 2022

Question by Gurneet - Aug 03, 2022Hindi

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I have invested in the following mutual funds. I would like to continue for the next 7-8 years & this would be for my son’s higher education. I'm looking at the corpus of Rs 50 lakh. SIP: Rs 25000 per month and additional lump sum whenever I can. Canara Robaco Bluechip Fund - Rs 8000 per month and additional Lump sum - Rs 50,000 Parag Parikh Flexi Cap Fund - Rs 5000 per month and additional Lump sum of Rs 50,000 Mirae Asset Large Cap Fund - Rs 4000 per month and additional Lump sum - Rs 100,000 Axis Bluechip Fund - Rs 5000- per month and additional Lump sum - Rs 50,000 SBI Small Cap Fund - Rs 3000 per month Axis Mid Cap Fund - Rs 50000 (Lump sum) Axis growth Opportunities Fund - Rs 100,000 (Lump sum) All these were started around 7-8 months back. Kindly advice on the above funds

Ans: Good funds, with 25K SIP a corpus of 40 lacs can be created in 8 years.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Apr 07, 2022

Question by Pranjit - Apr 07, 2022Hindi

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Sir I am 45 years old and my wife 35 yrs we both investing in following MF for our child’s education and wealth creation from 03/2018 .Our time horizon is 15 yrs. 1. HDFC EQUITY FUND REGULAR GROWTH Rs 3000/month 2. AXIS LONG TERM EQUITY FUND DIRECT GROWTH RS 2000/MONTH. 3. SBI SMALL CAP FUND DIRECT GROWTH RS 2000/MONTH. 4. SBI TECHNOLOGY FUND DIRECT GROWTH RS 2000/MONTH. 5. PARAG PARIKH FLEXI CAP FUND DIRECT GROWTH RS 1000/MONTH. My wife’s portfolio: 1. MIRAE ASSET EMERGING BLUE CHIP FUND DIRECT GROWTH RS 3000/MONTH 2. CANARA ROBECCO EMERGING EQUITY FUND Rs 1500/MONTH 3. CANARA ROBECCO BLUE CHIP FUND DIRECT GROWTH RS 1000/MONTH 4. MOTILAL OSWAL 35 CAP FUND RS 1500/MONTH. 5. L &T INDIA VALUE FUND RS 2000/MONTH. 6. SBI SMALL CAP FUND DIRECT GROWTH RS 2000/MONTH. 7. QUANT SMALL CAP FUND DIRECT GROWTH RS 2000/MONTH. SIR please advice/suggestions regarding above investment required if any modifications? One more thing I want to invest more please suggest me some funds giving return above 20%.

Ans: No changes are required; however, please keep the expectation of returns between 12% and 15%.

Basic thumb rule is risk free returns (10 years govt bond returns) + inflation + equity risk premium.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by Gurneet - Aug 03, 2022Hindi

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I have invested in the following mutual funds. I would like to continue for the next 7-8 years & this would be for my son’s higher education. I'm looking at the corpus of Rs 50 lakh. SIP: Rs 25000 per month and additional lump sum whenever I can. Canara Robaco Bluechip Fund - Rs 8000 per month and additional Lump sum - Rs 50,000 Parag Parikh Flexi Cap Fund - Rs 5000 per month and additional Lump sum of Rs 50,000 Mirae Asset Large Cap Fund - Rs 4000 per month and additional Lump sum - Rs 100,000 Axis Bluechip Fund - Rs 5000- per month and additional Lump sum - Rs 50,000 SBI Small Cap Fund - Rs 3000 per month Axis Mid Cap Fund - Rs 50000 (Lump sum) Axis growth Opportunities Fund - Rs 100,000 (Lump sum) All these were started around 7-8 months back. Kindly advice on the above funds

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Head, Rank MF - Answered on Aug 03, 2022

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I have invested in the following mutual funds. I would like to continue for the next 7-8 years & this would be for my son’s higher education. I'm looking at the corpus of Rs 50 lakh. SIP: Rs 25000 per month and additional lump sum whenever I can. Canara Robaco Bluechip Fund - Rs 8000 per month and additional Lump sum - Rs 50,000 Parag Parikh Flexi Cap Fund - Rs 5000 per month and additional Lump sum of Rs 50,000 Mirae Asset Large Cap Fund - Rs 4000 per month and additional Lump sum - Rs 100,000 Axis Bluechip Fund - Rs 5000- per month and additional Lump sum - Rs 50,000 SBI Small Cap Fund - Rs 3000 per month Axis Mid Cap Fund - Rs 50000 (Lump sum) Axis growth Opportunities Fund - Rs 100,000 (Lump sum) All these were started around 7-8 months back. Kindly advice on the above funds

Ans: Good funds, with 25K SIP a corpus of 40 lacs can be created in 8 years.

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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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