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Ans: Hello, the selection of funds should have a goal attached to it. This investment style seems to be cluttered and not very definitive in terms of the goals it has. Do speak to an advisor / distributor in person for the same.

Ans: Both the funds come with not so great risk-adjusted returns and expenses are also on the higher side. However, they have been able to generate approx. 11% CAGR over the 5-year period which is satisfactory. Kindly understand that when our expectations for returns increase, so does our risks. In case you're looking for more aggressive investing, you can consider investing in Flexicap or Midcap funds.

Ans: Your question is not clear to me

Ans: Hello, if your time horizon is 7-10yrs plus , you can consolidate these funds into mid cap , small cap and large and mid cap compared to the category of funds you are holding.

Ans: Hello Value Investor. , I can see that 100% of the investments are in HDFC AMC. Hence, will suggest AMC-wise bifurcation. You can reshuffle the current investment or start investing in AMC like ICICI Pru, Nippon India , etc. Risk diversification is also required in your portfolio. Moreover , you can reconsider HDFC Eqity Savings Fund. I would suggest introducing new categories, such as flexi cap and midcap in your portfolio.

Ans: Hello,

I understand that you have invested in multiple mutual funds and are seeking advice on whether to hold or change your investments. As a financial advisor, I would like to offer you some guidance on this matter. Please note that my suggestions are based on general principles and not specific to your financial goals or risk tolerance.

SBI Focused Equity Fund Regular Growth: This fund primarily invests in a concentrated portfolio of equity and equity-related securities. As the name suggests, it is a focused fund with exposure to a limited number of stocks. If you're comfortable with the risk associated with concentrated portfolios and believe in the fund manager's stock-picking ability, you can continue to hold this fund.
SBI Blue Chip Fund Regular Plan Growth: This is a large-cap fund that invests in well-established companies. Large-cap funds typically offer stability and lower volatility compared to small and mid-cap funds. If you are looking for a relatively safer equity investment, you can hold on to this fund.
SBI Multicap Fund Regular plan Growth: Multicap funds invest across market capitalizations, providing diversification benefits. If you want to maintain a balanced exposure to various market segments, you may continue to hold this fund.
HDFC Tax Saver Direct Plan Growth Option: This is an Equity Linked Saving Scheme (ELSS) that offers tax benefits under Section 80C of the Income Tax Act. The lock-in period for ELSS funds is 3 years, and if you're looking for tax-saving investment options, you can consider holding this fund.
HDFC Developed World Indexes Fund of Fund: This fund provides international diversification by investing in developed market equities. If you want to diversify your portfolio beyond Indian equities, you can hold this fund.
HDFC Equity Savings Fund Direct Plan Growth: This fund invests in a mix of equity, debt, and arbitrage opportunities, making it suitable for investors with a moderate risk appetite. If you are looking for a balanced fund with a mix of asset classes, you can continue to hold this fund.
HDFC Nifty Next 50 Index Fund Direct Growth: This passive fund tracks the performance of the Nifty Next 50 index. If you are interested in low-cost index funds and believe in the potential of the next 50 large-cap companies, you can hold this fund.

In conclusion, your current mutual fund portfolio appears to be reasonably diversified across asset classes and investment styles. However, it is essential to periodically review the performance of each fund and align them with your financial goals and risk tolerance.

Please consult a financial advisor who can provide personalized advice based on your specific needs and circumstances.

Ans: Hello Value Investors. Kindly quantify your investment constraints.