Hi, I am a 22 year old male and have started investing since September 2022. Till now, I have invested in a few mutual funds, one ETF, and SGB as well. My question: Is my portfolio good enough? Is fund selection and SIP distribution good? My...

Nikunj Saraf |205 Answers |Ask -Follow

Mutual Funds Expert - Answered on Mar 01, 2023

Question by ABHISHEK on Feb 10, 2023

Hi, I am a 22 year old male and have started investing since September 2022. Till now, I have invested in a few mutual funds, one ETF, and SGB as well. My question: Is my portfolio good enough? Is fund selection and SIP distribution good? My goal is capital appreciation and I don't need this money in the long term or coming years. My investments currently are : 1. Parag Parikh Flexi Cap (Direct) - 10k/month & lumpsum of 10 Lakhs initially 2. HDFC Index S&P BSE Sensex Direct Plan Growth - 5k/month & lumpsum of 5 Lakhs initially. 3. Tata Digital India Fund Direct Growth - 5k/month & lumpsum of 5 Lakhs initially. 4. SBI small cap fund - 5k/month 5. PGIM India Midcap Opportunities Fund Direct Growth - 5k/month 6. Quant Liquid fund Direct Plan Growth (emergency fund purposes) - lumpsum of 4 lakhs. 7. Mirae Asset NYSE FANG+ ETF - lumpsum of 5 lakhs. 8. Sovereign Gold Bonds (SGBAUG30) - Approximately 4 lakhs

Ans: Hello, Abhishek. Overall, your portfolio reports sound very promising. I must say that you have conducted thorough research on the market. Your current sip allocation is well aligned with market. Mirae Asset NYSE FANG+ ETF has major allocation in Global equity and its sector specific, you may be conservative while moving forward.

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Question by Nava - Apr 05, 2022

I am 49 years old and Govt. service holder. I am currently investing in the following funds through SIP and lump sum for last 4 years. Please review my portfolio and suggest if I should continue or change? 1. Sundaram Large and Midcap Fund - Rs. 1500/- SIP 2. Aditya Birla Sun Life Focused Equity Fund - Rs. 1500/- SIP 3. Axis Mid Cap Fund - Rs. 1500/- SIP 4. SBI Flexi Cap Fund - Rs. 1500/- SIP 5. Nippon India Small Cap Fund - Rs. 50,000/- Lump sum (in 2018) 6. Tata Digital India Fund - Rs. 50,000/- Lump sum (in 2019) 7. Axis Small Cap Fund - Rs. 1,00,000/- Lump sum (in 2020) 8. DSP Small Cap Fund - Rs. 50,000/- Lump sum (in 2020) 9. DSP Natural Resources and New Energy Fund- Rs. 1,00,000/- Lump sum (in 2019)

Ans: Please continue

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Head, Rank MF - Answered on Aug 11, 2021

Question by Ashley - Aug 11, 2021

Below is my portfolio. Would highly appreciate if you can suggest if it is good or any changes required? Total current investment in SIP is Rs 12,000 (Which now I want to make it Rs 15K) kindly advise a good additional SIP for investing 3K monthly. Also let me know if the MF in lump sum are good? Or any changes required. I am now 45 years of age and my total savings as of date is Rs 13 Lacs only. Kindly advise how much more investment would I have to make to collect a good amount for my son's education and retirement - I have 2 son's aged 12 and 8. My current salary is Rs 1.5 Lacs and wife is also working with a salary of 30 K. Also I keep breaking SIP and lumpsum in between for emergency use. Let me know if that will affect my long terms plans of collecting funds SIPs: NAME OF MUTUAL FUND AMT INVESTED PER MONTH - (LONG TERM) Axis Focused 25 - Growth - RS - 2,OOO /- ICICI Prudential Focused Equity - Growth RS - 2,OOO /- HDFC Top 100 - Growth RS - 2,OOO /- Kotak Standard Multicap Fund - Growth RS - 2,OOO /- L&T Midcap - Growth RS - 2,OOO /- Motilal Oswal Multicap 35 - Growth RS - 2,OOO /- LUMPSUM NAME OF MUTUAL FUND AMT INVESTED LUMPSUM - (LONG TERM) DSP Focus - Growth RS - 1 LAC (INVESTED IN APRIL 2016) ICICI Pru Long Term Eq Fund ( Tax Sav) - Growth RS - 1 LAC (INVESTED IN APRIL 2016) Kotak Bluechip Fund - Growth RS - 1 LAC (INVESTED IN APRIL 2016) Nippon India DYNAMIC BOND FUND - Growth Plan RS - 1 LAC (INVESTED IN APRIL 2016) Mirae Asset Focused Fund - Growth RS - 50K (INVESTED IN AUG 2019) Mirae Asset Midcap Fund - Growth RS - 25K (INVESTED IN AUG 2019)

Ans: Prudent approach is to have the family covered for medical and life with pure insurance product.

Post that, create a corpus for emergency fund that should be 6 month of monthly expenses.

Only post that investment is recommended.

Depending upon your cash flows, mode of investment can be SIPs or lumpsums; however, SIPs are recommended.

Existing funds are okay; for further investment Axis ESG Equity Fund – Growth or UTI Flexi Cap fund – Growth can be considered

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Mutual Funds Expert - Answered on Oct 27, 2022

Question by Sanjeev - Oct 27, 2022

I am from Himachal Pradesh. I am Investing Rs 6000. Monthly through SIP. I would like to known that is my portfolio good enough to get better return in next 10 to 12 years. I want to accumulate 15 to 20 lakh in next 10 to 12 years. 1. Aditya Birla Sunlife Multi Cap Fund-regular growth -- Rs 1000 2. Invesco India Flexi Cap Fund-regular plan growth -- Rs 1000 3. Invesco Global Consumer Trends funds of Funds-Regular growth -- Rs 1000 4. Kotak Emerging Equity fund growth -- Rs 1000 5. Kotak tax saver fund growth (ELSS) -- Rs 500 6. Union long term equity fund growth regular plan -- Rs 1500

Ans: Hi Sanjeev Kumar. Following an extensive analysis of your portfolio, I recommend reconsidering all schemes except the Kotak Emerging Equity fund along with a portfolio reshuffle. Based on your goal of achieving 15-20 lakh in the next 10-12 years, your sip investment amount is appropriate.

You may consider the below schemes:

Nippon India Multicap Fund
Quant FlexiCap Fund
Mirae Asset Midcap Fund
SBI Small Cap Fund

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Mutual Funds Expert - Answered on Nov 14, 2022

Question by Biju - Nov 14, 2022

I am 43 years old. I am investing in following funds through monthly SIPs. 1. Parag Parikh Flexi Cap - 3,000/- 2. Axis Bluechip Fund - 2,500/- 3. SBI Focused Fund - 1,500/- 4. SBI Small Cap Fund - 1,500/- 5. ICICI Technology Fund - 1,500/- Additionally I have: 1,20,000/- in Mirae Emerging Bluechip, 35,000/- in HDFC Small Cap, 90,000/- in Kotak Flexi Cap 50,000/- in ABSL Banking& Fin Serand thus, till now accumulated around 8,50,000/-. I need 30,00,000/- after 8 years. Please review my portfolio and advice if some changes are required. Also what is your advice on Axis Bluechip Fund which is not performing well.

Ans: Hello Biju Singh. Using your current sip and lump sum investment, you can achieve 30 lakh corpus in 8 years with an expected CAGR of 14%. As far as the amount is concerned, no modification is necessary.

In addition, I suggest that Axis Bluechip, HDFC Small Cap and Parag Parikh schemes be revisited with respect to their better peer schemes. I hope this resolves your concern.

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