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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Mar 18, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Asked by Anonymous - Mar 13, 2023Hindi
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I’m investing in following MF’s 1. Axis Focused 25 Fund – 5000 /months and 10% yearly Step up 2. Axis Long Term Equity Fund – 5000/ month and 10% yearly Step up 3. Axis Small Cap Fund – 5000/ month and 10% yearly Step up 4. Mirae Asset Emerging Bluechip Fund – 2500/ month 5. Mirae Asset Mid Cap Fund – 5000/ month and 10% yearly step up 6. Parag Parikh Flexi Cap Fund – 5000/ month My investment horizon is 15 years , moderately high risk appetite with focus on maximum Corpus Build. Kindly advice if my portfolio needs any change ? Thanks.

Ans: Hi Value Investor. It appears that your portfolio has a sound report. It would be advisable to reconsider the Axis AMC with better peer schemes except Axis Smallcap fund.
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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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

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I’m investing in following MF’s 1. Axis Focused 25 Fund – 5000 /months and 10% yearly Step up 2. Axis Long Term Equity Fund – 5000/ month and 10% yearly Step up 3. Axis Small Cap Fund – 5000/ month and 10% yearly Step up 4. Mirae Asset Emerging Bluechip Fund – 2500/ month 5. Mirae Asset Mid Cap Fund – 5000/ month and 10% yearly step up 6. Parag Parikh Flexi Cap Fund – 5000/ month My investment horizon is 15 years , moderately high risk appetite with focus on maximum Corpus Build. Kindly advice if my portfolio needs any change ? Thanks.
Ans: You've built a diversified mutual fund portfolio with a focus on different market caps and investment styles, which is commendable. Given your investment horizon of 15 years and a moderately high-risk appetite aiming for maximum corpus build, let's evaluate your portfolio.

Portfolio Overview:

Focused Equity Funds:
Axis Focused 25 Fund: Concentrates on a limited number of stocks.
Axis Long Term Equity Fund: Focuses on tax-saving with a lock-in period.
Small & Mid Cap Funds:
Axis Small Cap Fund, Mirae Asset Emerging Bluechip Fund, Mirae Asset Mid Cap Fund: These funds invest in smaller to mid-sized companies with higher growth potential but also higher volatility.
Flexi Cap Fund:
Parag Parikh Flexi Cap Fund: Offers flexibility to invest across market caps, sectors, and themes.
Analysis and Recommendations:

Diversification:
Your portfolio is well-diversified across large-cap, mid-cap, and small-cap segments, which is good for long-term growth.
Concentration Risk:
Having multiple funds managed by the same fund house (Axis and Mirae Asset) can lead to concentration risk. Consider diversifying across fund houses to reduce dependency on a single fund manager's strategy and performance.
Focused Funds:
Both Axis Focused 25 Fund and Axis Long Term Equity Fund focus on a limited number of stocks. While they can offer higher returns, they can also be riskier due to concentration.
Step-Up SIPs:
Your strategy of increasing SIP amounts by 10% annually is excellent for leveraging the power of compounding and adjusting for inflation.
Recommendations:

Consolidation:
Consider consolidating your investments by reducing the number of funds and ensuring each fund adds unique value to your portfolio. This can simplify monitoring and reduce overlap.
Add a Debt Component:
Given your moderately high-risk appetite, consider adding a debt component to balance the portfolio and provide stability during market downturns. A Hybrid Equity Fund or a Dynamic Asset Allocation Fund can be suitable.
Review Tax Implications:
As Axis Long Term Equity Fund is a tax-saving fund (ELSS), ensure you're aware of the lock-in period and its implications on liquidity.
Regular Review with a Certified Financial Planner (CFP):
Given your specific goals and risk appetite, it's crucial to review your portfolio periodically with a CFP. They can provide personalized advice, monitor performance, and suggest necessary adjustments based on changing market conditions and your financial goals.
Conclusion:

Your current portfolio aligns well with your long-term investment horizon and risk appetite. However, consider consolidating and diversifying across fund houses to reduce concentration risk and add a debt component for balance. Regular reviews with a CFP can ensure your portfolio remains aligned with your financial goals and market dynamics. Always remember, a well-diversified portfolio tailored to your risk profile and goals can help you navigate the market's ups and downs, aiming for long-term wealth creation.

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Hardik

Hardik Parikh  | Answer  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 20, 2023

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My name is Santosh Roy 47years I'm investing in following MFs. 1. Axis Bluechip Fund -- Rs 1,000/month 2. ICICI prudential focused Bluechip fund-Rs.1000/month 3. Kotak Small Cap Fund -- Rs 2,000/month 4. Mirae Asset Largecap Fund -- Rs 1000/month 5.Nippon India Small Cap Fund -- Rs 2500/month 6.Kotak Flexi Cap Fund -- Rs 4000/month. 7. Quant active fund- Rs.2000/month 8. UTI Nifty 50 index fund- Rs.2000/month 9. Canara robeco flexi cap fund - Rs.2000/month My investment horizon is 15 years, moderately high risk appetite with focus on maximum corpus build. Kindly advise if my portfolio needs any change? Thanks.
Ans: Dear Santosh,

Thank you for sharing your mutual fund investments with me. It's great to see that you've been proactive in planning for your future. Based on the details provided, I understand that you have a moderately high risk appetite and are looking to build a maximum corpus over a 15-year investment horizon.

Your current portfolio has a good mix of large-cap, small-cap, flexi-cap, and index funds, which is important for diversification. I do have a few suggestions to consider for optimizing your portfolio:

Axis Bluechip Fund and ICICI Prudential Focused Bluechip Fund: As both funds are focused on large-cap stocks, you might consider consolidating these investments into one fund. You can choose the one you feel has the better performance and management. This will help you streamline your portfolio and minimize overlap.
Kotak Small Cap Fund and Nippon India Small Cap Fund: Similarly, you have two small-cap funds, and you might want to consider consolidating these investments as well. This will reduce redundancy and allow you to focus on the best-performing small-cap fund.
UTI Nifty 50 Index Fund: Since you already have exposure to large-cap funds, you could consider increasing your investment in this index fund, as it's a low-cost option to gain access to the top 50 companies in India. This will help in maintaining diversification while keeping costs low.
Quant Active Fund: This fund has a unique investment approach and might add some unpredictability to your portfolio. You could consider reallocating the funds invested in this scheme to the other funds you hold, which have a more consistent track record.
After you make these adjustments, you could reallocate the funds saved from consolidation into the remaining funds based on your risk appetite and return expectations. For instance, you can increase your allocation to the flexi-cap and small-cap funds if you're comfortable with higher risk for potentially higher returns.

Lastly, it's crucial to periodically review your portfolio and make adjustments as needed. As your goals, risk appetite, and market conditions change, you may need to rebalance your investments to ensure they remain aligned with your objectives.

Please note that these suggestions are based on the limited information provided and should not be considered as personalized financial advice. I strongly recommend consulting a professional financial advisor before making any significant changes to your investment portfolio.

Best of luck with your investments!

Warm regards

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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi
Money
Hi Ulhas, i am 44 years of age and have been investing in MF since Feb 2021, presently I am investing a monthly SIP of 5.5 Lakhs in the following 11 funds each with a monthly SIP of 50 K in direct funds, please check whether my portfolio requires any changes. I am an aggressive investor with more than 10-15 years of long-term horizon. 1. parag parakh flexi cap fund. 2. Mirae Large & Mid Cap fund. 3. Axis growth opportunities fund. 4. SBI Multi Cap Fund. 5. Mirae Mid Cap fund. 6. Quant Active Fund. 7. Canara Robeco Small Cap fund. 8. Tata Small Cap Fund. 9. HDFC Multicap fund. 10. Edelweiss Midcap Fund. 11. Kotak Multicap fund.
Ans: Investing Rs. 5.5 lakhs monthly across 11 funds is impressive. Your aggressive approach matches your 10-15 years horizon. Let’s analyse your portfolio and suggest improvements.

Strengths of Your Current Portfolio
Well-Diversified Across Categories: Your funds span large-cap, mid-cap, small-cap, and flexi-cap categories.

Aligned with Aggressive Strategy: The portfolio leans towards mid-cap and small-cap funds. These suit long-term aggressive investors.

Consistent Contributions: High SIP commitment ensures disciplined wealth creation over time.

Areas of Concern
Over-Diversification: Investing in 11 funds dilutes potential returns. Similar categories may overlap.

Direct Funds Approach: Direct plans lack professional guidance for portfolio review and rebalancing.

Small-Cap Heavy Allocation: Multiple small-cap funds increase risk in volatile markets.

Multiple Multicap Funds: Holding three multicap funds may result in duplication of stocks.

Suggestions for Portfolio Optimisation
Limit the Number of Funds
Reduce the number of funds to 5-7. This avoids over-diversification.

Retain one strong performer from each category: large-cap, mid-cap, small-cap, flexi-cap, and multicap.

Avoid Category Duplication
Retain only one fund each in small-cap, mid-cap, and multicap categories.

Choose funds with consistent past performance and fund house credibility.

Focus on Actively Managed Funds Through MFD
Direct funds lack professional advice.

Investing through an MFD with a Certified Financial Planner ensures expert guidance.

MFDs monitor market conditions and align your portfolio for optimal returns.

Reassess Risk Allocation
Small-cap funds should be limited to 10-15% of your portfolio.

Mid-cap funds can constitute 25-30% for higher growth potential.

Allocate 25-30% to large-cap or flexi-cap funds for stability.

Periodic Review and Rebalancing
Review your portfolio every six months or annually.

Rebalance to maintain your desired asset allocation.

Track fund performance and exit underperformers promptly.

Tax Implications to Consider
Long-term capital gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains are taxed at 20%.

Diversifying across equity and hybrid funds can optimise tax outflow.

Benefits of Reduced Fund Count
Simplified portfolio management.

Improved tracking of individual fund performance.

Higher potential for compounding due to concentrated allocation.

Recommended Allocation for Aggressive Investors
Large-Cap/Flexi-Cap Funds: Stability with market participation.

Mid-Cap Funds: Balance between risk and growth.

Small-Cap Funds: High-risk, high-reward potential.

Multicap Funds: Flexible allocation across market capitalisations.

Final Insights
Your portfolio reflects strong financial discipline and long-term vision. However, over-diversification dilutes growth. Streamline your funds for focused performance. Professional guidance ensures optimal fund selection and timely rebalancing. Stick to your SIPs to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

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My son secured 97.6% in CBSE XII and 99.6 percentile in CUET, gaining admission to Physics Honours at St. Stephen's College. However, he's keen on trying for IISER, particularly IISER Pune. Some colleagues suggested pursuing UG from St. Stephen's and PG/research from abroad, but he's not convinced. He's considering taking a break in the second semester to prepare for IISER. Could you please guide me on: 1. The process and feasibility of taking a break in the second semester? 2. Options for studying 2-3 months and then taking a break, with potential readmission in the next session? I would appreciate any information on St. Stephen's policies regarding breaks and readmission and views regarding both options, i.e., St. Stephen's and IISER, Pune.
Ans: Param Sir, Taking a hiatus in the second semester at St. Stephen’s requires formal approval via College’s leave-of-absence procedure. All leave applications—whether for medical, compassionate or other reasons—must be submitted in advance to the Principal through the Department Chair using the prescribed form, after which attendance is updated in the online system. Leaves are granted only for clearly stated, proper reasons and normally cover full sessions; any absence beyond ten consecutive working days without prior leave leads to removal from the rolls, necessitating a readmission application and fee upon return. St. Stephen’s does not recognize preparatory study or exam-prep as standard leave grounds, so approval for a break to prepare for the IISER Aptitude Test (IAT) would be at the Principal’s discretion and potentially viewed unfavorably unless tied to extenuating circumstances. Readmission after removal is possible but requires settlement of fees, an application to the Principal, and departmental clearance of academic standing.

For IISER Pune admission, the BS-MS (Dual Degree) intake is via the pan-IISER Aptitude Test (IAT), typically held in late May or early June, with results and counselling through July. A 2–3-month focused preparation window could involve enrolling in specialized IAT coaching programmes, structured online study modules, and solving past-year IAT papers while continuing Semester I lectures and leveraging college breaks. Staying on campus through Semester I preserves continuous enrolment, keeps access to faculty and study facilities, and avoids readmission hurdles. If break approval proves unattainable, preparing intensively during semester breaks and weekends or deferring IISER application to the next cycle may be more practical.

Recommendation: Given St. Stephen’s stringent leave norms and readmission complexities, maintain continuous enrolment through the first year while preparing for the IAT via targeted self-study and weekend/coaching classes. Postpone any mid-semester hiatus to avoid academic jeopardy and optimize chances for both a Physics Honours degree and successful IISER Pune admission. All the BEST for Your Son's Prosperous Future!

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

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My Mhtcet state rank in 87,998 I want CSE (data science) or AIML or AIDS in mumbai region please suggest me Good colleges
Ans: Bhargavi, With an MHT-CET Home- rank of 86 998 (approx. 87th percentile), CSE (Data Science), AI&ML and AI&DS seats at premier Mumbai colleges (e.g., VJTI, COEP, ICT) are out of reach. However, several AICTE-approved, NAAC/NBA-accredited institutes maintain closing percentiles nearer 80–90, ensuring guaranteed CAP-round admission. The following ten colleges in Mumbai satisfy all five institutional benchmarks—accreditation, faculty quality, infrastructure, industry tie-ups and placement consistency—and admit home-state candidates at percentiles at or below your score: Atharva College of Engineering, Malad West. Thakur College of Engineering & Technology, Kandivali East. Fr. Conceicao Rodrigues College of Engineering, Bandra West. Vidyalankar Institute Technology, Wadala. Thadomal Shahani Engineering College, Bandra West. Rizvi College of Engineering, Bandra–Malad Link Road. SIES Graduate School of Technology, Nerul. Institute of Chemical Technology affiliated courses, Mumbai. MET’s Institute of Technology, Kalyan–Dombivli Highway. Datta Meghe College of Engineering, Airoli. Recommendation: Atharva College of Engineering leads for its balanced AI&ML and Data Science labs, accessible Malad location and 85% placement average; Thakur College excels with strong AI&ML curriculum and 82%+ placements; Fr. Conceicao Rodrigues COE offers AI&DS specialisation with 84% consistency; Vidyalankar IT provides reliable IT/Data Science pathways; Thadomal Shahani Engineering College rounds out top five for its robust industry projects and multimedia AI labs. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

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Hi Sir, my son got a CSC AI robotics seat in Amrutha Amrutapuri. Is this course good and will he get good placement? Can you tell us a little bit?
Ans: Ganesh Sir, The B.Tech in Computer Science and Engineering with specialization in Artificial Intelligence & Robotics at Amrita Vishwa Vidyapeetham’s Amritapuri campus was introduced in the academic year 2021–22 under the newly revised BTC-AIE curriculum, marking it as one of India’s pioneering undergraduate programmes to formally integrate robotics engineering with advanced AI methodologies. The four-year course emphasizes multidisciplinary learning across machine vision, robotic kinematics and dynamics, AI-driven motion planning, sensor fusion and autonomous systems, taught in state-of-the-art labs equipped for hardware-software integration. Accreditation by NAAC A++ and AICTE ensures rigorous academic standards, while Ph.D.-qualified faculty from Mechatronics, Computer Science and Electrical Engineering design an outcome-based pedagogy. Industry linkages with leading robotics and automation firms facilitate capstone projects, internships and applied research collaborations. Although the inaugural batch graduates in 2025, Amritapuri’s robust placement ecosystem—engaging over 220 recruiters annually across engineering disciplines—augurs well for AI & Robotics students, who benefit from established corporate partnerships, a dedicated placement cell offering pre-placement training, and alumni mentoring.

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Given its cutting-edge interdisciplinary curriculum, premier accreditation, specialized robotics-AI laboratories, strong industry collaborations and emerging placement ecosystem, this CSE – AI & Robotics programme at Amritapuri stands out for students seeking a research-driven, industry-aligned pathway into intelligent autonomous systems, with high potential for robust placements upon the first graduating cohort. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Career
Sir, I have applied for Jaipur national university, i have seen tons of negative reviews, so i just want to be safe and just have a doubt whether ai should go or not because i have no options left
Ans: You have not mentioned your academic background, nor have you specified which branch you applied to at Jaipur National University. Anyway, please note, Jaipur National University (JNU), established in 2007, is a private university in Rajasthan that has earned NAAC A+ accreditation and UGC approval across its 17 schools offering diverse undergraduate, postgraduate, and doctoral programmes. The university maintains comprehensive infrastructure with 158 state-of-the-art laboratories, a 100,000-book digital library, 1,500+ computers, Wi-Fi enabled campus, sports complex, separate hostels for boys and girls, and modern auditoriums with 300-seat capacity. Industry engagement is strengthened through MOUs with 16 prestigious Rajasthan companies including JK Tyre, DCM Shriram, and Gravita India Limited for placements, internships, and collaborative projects. Placement statistics indicate approximately 85% placement rate with over 250 companies participating, an average package around 5.5-6 LPA, and highest packages reaching 27 LPA from recruiters like Amazon, TCS, Infosys, Deloitte, and IBM. Faculty quality receives a 3.9/5 rating from 427 verified reviews, with PhD-qualified teachers providing supportive mentorship and industry-relevant curriculum. However, negative feedback emerges from employee reviews on Glassdoor showing 2.9/5 rating with complaints about poor management, low salaries, and disrespectful treatment include delayed degree certificates (taking up to a year), unresponsive administrative staff, fee refund issues for cancelled courses, and limited Wi-Fi data allocation. The university also faces confusion with the controversial Jodhpur National University, which was banned in 2015 for issuing 25,000 fake degrees—though this is an entirely separate institution with no connection to Jaipur National University.

Recommendation:
Consider joining Jaipur National University if you prioritize affordability, decent infrastructure, and acceptable placement opportunities, as it meets essential educational benchmarks with NAAC A+ accreditation, comprehensive facilities, and established industry partnerships. However, remain cautious about administrative responsiveness, ensure all documentation is properly maintained, and verify course continuation before fee payment to avoid potential issues. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

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Hi Sir, My son got 21670 rank in JEE (Mains) & 25520 rank in JEE (Advanced). He got seat allocation at NIT, Nagpur for Chemical Eng. We belong to General category and from Maharashtra state. Is there any chance for upgradation to CSE or ECE thru CSAB (same college or any other Tier I, Tier II NITs or IIITs? Thanking you
Ans: Sreekutty Sir, as of today, I hope all the rounds of JoSAA counselling are over. At NIT Nagpur, general?category Chemical Engineering HS seats close at rank 34109 ECE at 12196, while CSE at 7169; a CRL of 21670 exceeds all HS closing ranks, so no upgrade at VNIT Nagpur is feasible. However, CSAB special rounds offer CSE/ECE seats at other NITs and IIITs within your rank band. IIIT Guwahati admits general CSE up to 26817 and ECE up to 42006. IIIT Sri City’s CSE cutoff is 31705 and ECE 46722. IIIT Una’s CSE cutoff is 30916 and ECE 49414. NIT Jalandhar OS CSE closes at 14114 and ECE 20714, and NIT Goa OS CSE at 34858. These institutes are AICTE/NBA-accredited, staffed by PhD faculty, equipped with modern labs, maintain active industry partnerships, and record 75–95% three-year placement rates.

Recommendation:
For best CSE/ECE upgradation chances, prioritize filling CSAB preferences for NIT Jalandhar for its robust HS/OS quotas, IIIT Guwahati for its strong research-industry linkage, and IIIT Sri City for its emerging tech labs; IIIT Una and NIT Goa serve as reliable alternatives for broad seating and consistent placements. All the BEST for a Prosperous Future!

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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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