I am very new in MF. I started investing in some Mutual Funds. Kindly suggest me whether I am right or wrong? Please advise me icici pru buiseness cycle fund direct growth -- Rs 100 Tata Digital india fund direct -- Rs 500 Quant Active fund `direct growth -- Rs 1000 Mirae Asset hybrid equity fund direct growth -- Rs 1000 Axis growth opportunity fund direct lumpsum -- Rs 5000

I am 39. I have been reading your replies on Rediff.com and getting a lot of information from them for investment in mutual funds. I need your precious opinion on the following mutual funds in my MF portfolio. Recently, I have started SIPs of Rs 5,000 per month in each. Mutual Funds Plan type Axis Banking & PSU Debt Direct Growth Axis Bluechip Direct Growth Axis Small Cap Direct Growth Mirae Asset Banking And PSU Debt Direct Growth Mirae Asset Emerging Bluechip Direct Growth Mirae Asset Large Cap Direct Growth Parag Parikh Conservative Hybrid Direct Growth Parag Parikh Flexi Cap Direct Growth SBI Blue Chip Direct Growth SBI Nifty Next 50 Index Direct Growth Nippon Liquid Direct Growth

I am 63+ have following MF investments. Please advise which fund I should continue which one I should switch over to other funds. Going by the trend in last 33 months, I don’t find any encouraging result, will you guide me please? 1. L&T Emerging business fund growth Rs.1,000/- SIP - Money has not appreciated at all 2. Baroda Pioneer Credit risk fund Growth Rs.4 lakh 3. L&T Credit risk Fund Growth Rs.3 lakh 4. ICICI Pru Balanced Advantage Fund Growth Rs.3 lakh 5. ICICI Pru Equity & Debut fund Growth Rs.1 lakh As I am 63+ I want to get return of approx 0.60% SWP/month. Please enlighten which fund will be suitable for me. Name of the Fund Category RankMF Star Rating Prabhat Banerjee     1. L&T Emerging business fund growth Equity - Small Cap Fund: 1 2. Baroda Pioneer Credit risk fund Growth Debt - Credit Risk Fund 2 3. L&T Credit risk Fund Growth Debt - Credit Risk Fund 2 4. ICICI Pru Balanced Advantage Fund Growth Hybrid - Balanced Advantage 5 5. ICICI Pru Equity & Debt fund Growth Hybrid - Aggressive Hybrid Fund 3

I have invested my money in MF and I am continuing for last couple of years but am not seeing good growth so kindly advise me whether I should continue with same funds or switch over to some other fund. The funds are: 1. Aditya Birla Sun Life Equity Advantage Fund – Gr: Monthly 1500 2. DSP Midcap Fund - Reg Gr: Monthly 2000 3. HDFC Taxsaver – Gr: Monthly 1500 Also I have invested in SBI Midcap Fund Gr -- 70K for last 4 years so I would like to know whether I should be keeping in the same fund or change the fund.