Hello Sir,
Hope You Are doing well. I would like to thank you for the help that you provide to us.
I started Investing in Mutual Fund almost 3 Yrs Ago. Can you please analyse my portfolio, and suggest any changes, if required.
Axis Midcap Invested-2.40L Current-2.90L(5K SIP Ongoing)
Axis BlueChip Invested-1.95L Current-2.19L(10K SWP) Inactive
Quant Liquid Plan Invested- 1.19L Current-1.27L(Emergency Fund)
Mirae Asset Emerging BlueChip Invested- 67.5K(Increased-12.5K) Current-81.41K(Active 2.5K)
Nippon IndiaSmall Cap Invested-42.5K Current-61.58K(2.5K SIP Active)
SBI Tech Opp Fund Invested-50K Current-55.06K(2.5K SIP Active)
Tata Digital India Fund Invested-37.5K Current-40.99K (Inactive SIP)
Quant Small Cap Invested-15.00K Current-17.67K(2.5K SIP Active)
Mirae Asset Large Cap Invested-00.00K(10K SIP Started) Moving from Axis BlueChip
I know you advice against thematic Fund, but I would like to continue my Investment in that Fund.
My Age is 27Yrs, 1Month, I am planning to go for MBA Now, and will discontinue my SIPs until I get a Job (Except for a few Internship Lump sum). My Goals are 5Cr for a House in 20Yrs, 3Cr for My Children Education in 20Yrs and 10Cr for Future Retirement Prospects in 30Yrs. I will be increasing my SIP to 35K from Current 20K.
Please Advice. Thank You.
Ans: It's commendable that you've been investing systematically and have clear financial goals in mind. Considering your long-term objectives, it's essential to ensure that your portfolio remains diversified and aligned with your risk tolerance. While thematic funds like the one you're invested in can offer potential growth, they also carry higher risk. As you pursue your MBA and temporarily pause SIPs, continue monitoring your portfolio periodically. Once you resume regular investing, consider rebalancing your portfolio if needed to maintain diversification. Consult with a financial advisor to optimize your investment strategy and ensure it aligns with your evolving goals and risk profile.
