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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Mar 17, 2020

Mutual Fund Expert... more

Question by bhupathy on Mar 17, 2020Hindi

Money

I would like to invest in mutual fund via sip route 5k- 10k per month. What is the best option? Large Cap, Mid Cap, Small Cap or Diversified fund? Is it better to invest in more than 1 MF fund say 3k-4k per mutual fund or invest in a single fund which is better? I would like to invest in order to have peaceful retirement life say invest for 10-15 years.

Fund name Catgory Star Rating

Bhupathy Magesh Babu

1. Adithya Birla sun life Mutual Fund. Adithya Birla Focused equity –Growth Equity - Focused Funds: 4

2. Adithya Birla sun life Mutual Fund. Adithya Birla Focused equity –Growth Equity - Focused Funds: 4

3. Adithya Birla sun life Mutual Fund. Adithya Birla Mid cap fund Equity - Mid Cap Funds: 2

4. HDFC Mutual fund. HDFC Mid cap opportunities -Growth Equity - Mid Cap Funds: 2

5. HDFC Mutual fund. HDFC Top 100 fund Equity - Multi Cap Funds: 2

6. Nippon India Mutual Fund. Nippon India Retirement fund Solution Oriented - Retirement Fund Complete name not provided

7. Nippon India Mutual Fund. Nippon India Retirement fund Solution Oriented - Retirement Fund Complete name not provided

8. L & T Mutual Fund. L & T India value fund Equity - Value Funds: 2

Ans: You may continue with the 4 rated funds; however for others better alternatives are available

Equity - Multi Cap Funds:

- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option

- JM Multicap Fund - Growth option

- UTI - Equity Fund-Growth Option

Equity - Mid Cap Funds:

- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option

- DSP Midcap Fund - Regular Plan - Growth

Equity - Value Fund: Tata Equity P/E Fund Regular Plan -(Growth Option)

Equity - Focused Funds:

- Axis Focused 25 Fund - Regular Plan - Growth Option

- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Parag - Dec 20, 2019Hindi

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My wife and I am having following mutual fund SIPs going on: Please let me know your suggestions. My SIPs: Name of the Fund Category RankMF Star Rating 1) HDFC Midcap opportunity fund - Direct plan -Growth option - Rs 3000 Equity - Midcap Fund 3 2) ICICI PRUDENTIAL Blue-chip fund Direct Growth -Rs 2000 Equity - Large Cap Fund 3 3) SBI Blue-chip Fund Direct Growth - Rs 3000 Equity - Large Cap Fund 3 4) SBI small cap fund regular growth - Rs 5000 Equity - Small cap Fund 2 5) Motilal Oswal multicap 35 Fund -Rs 5000 Equity - Multi Cap Fund 5 1) Mirae asset emerging Blue-chip fund Direct Growth -Rs 5000 Equity - Large & Midcap Fund 4 2) Mirae asset Tax saver Direct Growth - Rs 6000 Equity - ELSS 4 3) Motilal Oswal Long term equity fund regular growth -Rs 6000 Equity - ELSS 5

Midcaps: Suitable options considering quality and value for money are:

Motilal Oswal Midcap 30
DSP Midcap
Kotak Emerging Equity Fund

Large Caps:

LIC MF Large Cap Fund – Growth
Mirae Asset Large Cap Fund – Growth

Small Caps:

Kotak Small Cap
Axis Small Cap

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 30, 2020

Question by Rakesh - Jan 30, 2020Hindi

Money

I am investing in mutual funds for last 5 years and currently have SIP running as below: HDFC Hybrid Equity Fund - Rs 5000 UTI Mastershare - Rs 4000 UTI Equity Fund - Rs 2000 UTI Dividend Yield Fund - Rs 2000 All under 'Growth' option. I can put additional Rs 4000 pm in SIP. Please advise options. My age is 50 years so horizon of 5 - 7 years is fine. Name of the Fund Category RankMF Star Rating Rakesh Banga · HDFC Hybrid Equity Fund - Rs 5000 Hybrid - Aggressive Hybrid Fund 5 · UTI Mastershare - Rs 4000 Equity - Large Cap Fund 4 · UTI Equity Fund - Rs 2000 Equity - Multi Cap Fund 5 · UTI Dividend Yield Fund - Rs 2000 Equity - Dividend Yield Fund 5

Ans: You have decent portfolio, please continue

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Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2024

Asked by Anonymous - Apr 20, 2024Hindi

Money

I want know about investing in MF SIP monthly 20k is good in one fund are split into 4 Different funds which is better

Ans: Investing ?20,000 monthly in one fund or splitting it across four funds depends on your investment goals, risk tolerance, and diversification preferences.

Single Fund: Investing in one fund simplifies tracking and management. Choose a diversified fund aligned with your goals.
Multiple Funds: Splitting across different types of funds (like large-cap, mid-cap, flexi-cap) can offer better diversification, potentially reducing risk.
For beginners or those looking for simplicity, a single well-chosen fund can be effective. If you prefer diversification or have specific sector preferences, spreading across multiple funds can be beneficial. Always consider consulting a financial advisor to tailor your strategy.

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Asked by Anonymous - Aug 23, 2024Hindi

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So I have 5000 to invest for SIP and I see things like keep 2000 for large cap and 2000 for flexi and 1000 for large or mid cap.My question here is Should these amounts be invested in one mutual fund only , like 2000 for one large cap or I could do 1000,500,500 for 3 large caps and similarly for other two types also. I should invest 2000 in one flexi cap or same amount in 2-3 flexi caps. Which is a better option

Ans: Hello, there are multiple options of funds in mutual funds to be invested in. The selection of funds depends on your duration of investment , understanding of the volatility of the markets which in turn will make your funds volatile depending on the category of funds.
According to me if your time duration is more than 7 yrs , you can do the following ( assuming your emergency corpus is taken care of ) :
Small cap - 2000
Mid cap - 2000
Multicap - 1000

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

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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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