Sir I am doing sip of 3k in quant direct infrastructure and 2.5k tata small cap and 1.2k in ICICI prudential and all are stepup sip ...are these good sip or do I need to switch ( my sip started 2years back)
Ans: You are investing Rs 3,000 in an infrastructure fund, Rs 2,500 in a small-cap fund, and Rs 1,200 in another fund. These SIPs started two years ago and are set up as step-up SIPs.
Performance Evaluation
Your investments in infrastructure and small-cap funds are high-risk. While they can give good returns, they are also more volatile. It's important to diversify to manage risk better.
Disadvantages of Direct Funds
Direct funds need constant tracking and analysis. Regular funds managed by a Certified Financial Planner (CFP) offer expert management. They can provide better returns and ease of mind.
Recommendations for Improvement
Diversify: Include large-cap and balanced funds to reduce risk.
Professional Management: Invest in regular funds managed by a CFP. This ensures professional advice and better performance.
Review and Adjust: Regularly review your portfolio. Make adjustments based on performance and goals.
Final Insights
Your current SIPs in infrastructure and small-cap funds are risky. Diversify your portfolio to include large-cap and balanced funds. Seek professional advice from a CFP for better management and improved returns.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in