Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries:
pushkar rana: I am investing in the below SIPs. Please suggest whether to continue or need some changes.
(A.) Monthly SIP
| Sr. No. | Fund name | Category | Investment | Target holding time |
| 01 | Axis Bluechip fund Direct (G) | Equity L. Cap | 3000 | 10 Yrs |
| 02 | Axis Multicap fund | Equity (Diversified) | 2500 | 15 yrs |
| 03 | Axis Short Term fund Direct (G) | Debt Short duration | 5000 | 5 yrs |
| 04 | Mirae Asset L. Cap Direct (G) | Equity Large Cap | 2500 | 15 yrs |
| 05 | L&T Midcap fund Direct (G) | Equity Mid Cap | 2500 | 7 yrs |
| 06 | ABSL Corporate bond Direct (G) | Debt corporate bond | 5000 | 2 yrs |
B. Lump sum amount
| Sr. No. | Fund name | Category | Investment | Target holding time |
| 01 | ICICI Pru Regular Savings fund-G | Hybrid (conservative) | 50000 | 10 yrs |
| 02 | ABSL Savings Fund G Regular Plan | Debt (Ultra short duration) | 50000 | 3 yrs |
Omkeshwar Singh: This is a decent portfolio, please continue and review after an year.
santosh: I have 8 MF ongoing SIPs ,which started recently. kindly review and advise details as below. Further in addition to this if I want to invest sum lumpsum amount may 10 lacs, which better option you suggest.
| Motilal Oswal Nasdaq 100 FOF Direct Growth | PURCHASE | 2,999 | ||
| IDFC Banking & PSU Fund - Direct - Growth | PURCHASE | 4,999 | ||
| SBI Small Cap Fund - Direct - Growth | PURCHASE | 2,999 | ||
| AXIS GROWTH OPPORTUNITIES FUND - DIRECT PLAN GROWTH | PURCHASE | 4,999 | ||
| HDFC Index Fund - SENSEX Plan - Direct - Growth | PURCHASE | 4,999 | ||
| Mirae Asset Emerging Bluechip Fund Direct Growth | PURCHASE | 5,999 | ||
| BHARAT BOND FOF - APRIL 2025 - DIRECT PLAN – GROWTH | PURCHASE | 4,999 | ||
| Axis Midcap Fund - Direct - Growth | PURCHASE | 3,999 |
Omkeshwar Singh: The funds in the portfolio are good, please continue and review after an year
Fresh investment: stagger your investments in 12 to 18 months either through SIP or STP for averaging out the investments at different market levels, i.e., at NAV instead of lumpsum investment at one go.
Ranjith P K: Request you to analyse my investments and provide your relevant opinion. Looking forward for your valuable suggestions please.
Age: 32; Occupation: Academician; MY investments are below. I prefer to be on balanced mode.
One time investments:
| Fund Name | Total cost |
| ABSL Tax Relief 96 Dir-G | 55000.02 |
| Tata India Tax Svngs Reg-G | 25000.01 |
| Mirae Asset Tax Saver Dir-G | 25000 |
| ICICI Pru Balanced Advtg Dir-G | 25000 |
| SBI Bluechip Dir-G | 25000 |
| L&T Tax Advtg Dir-G | 25072.02 |
| IDFC Tax Advtg (ELSS) Reg-G | 25000.02 |
| Kotak Standard Multicap Dir-G | 15000.01 |
| Nippon India Large Cap Dir-G | 10000 |
| IDFC Focused Eqt Dir-G | 10000.01 |
SIP of Rs 1000 monthly:
| Fund Name | ||
|
Omkeshwar Singh: Too many ELSS Funds; Please consolidate in 1 or 2 ELSS funds: Axis Long Term Equity Fund - Growth / Canara Robeco Equity Tax Saver Fund – Growth
In Multi Cap: UTI Equity Fund-growth Plan-growth is a better option
In Large Cap: Axis Bluechip Fund - Growth is a better option
In Focused: Axis Focused 25 Fund - Growth Option / IIFL Focused Equity Fund - Growth are better options
Rest of the funds are fine.
Saif: Can you please advise if I should continue with the following funds, and in which funds should I invest more for good returns in 3 to 5 years down the line.
1. TATA Equity PE Fund (Investing 2500pm for past 3 years)
2. Canara Robeco Emerging Equities fund (Investing 2500pm for past 3 years)
3. ICICI Prudential Equity & Debt Fund-Direct Plan (Investing 2500pm for past 3 years)
4. Canara Robeco Equity Hybrid Fund- Direct Plan
Also, can you please recommend if one should invest in Gold funds, and if so which gold fund would be good for bulk investment?
Omkeshwar Singh: 3 of the 4 funds are decent, and instead of ICICI Prudential Equity & Debt Fund-Direct Plan, Edelweiss Balanced Advantage Fund - Growth Option is a better option
rohan nath: I have SIP in following funds since last 3 years should i continue or switch:
1.ABSL Pharma fund growth
2.ABSL digital fund growth
3.ABSL low duration fund
4.ICICI asset allocator fund
5.SBI Banking and finance fund
6.ABSL Banking and finance fund
Omkeshwar Singh: In Large Cap: Axis Bluechip Fund - Growth is a better option
Too many Sectoral Funds; the risk of concentration is high; instead diversified funds are better option.
Above funds have decent exposure to Pharma, Banking and Technology
Rest of the funds are okay.
Anonymus: I am investing in mutual funds since last two years. I am 39 yrs old. Kindly let me for the above schemes.
1. SBI Bluechip direct growth - 5000 pm
2. SBI Equity Hybrid direct growth - 5000 pm
3. Axis Bluechip direct growth - 10000 pm
4. ABSL Corporate Bond fund direct - 5 lacs invested in last month.
Omkeshwar Singh: 3 of the 4 funds are decent, and instead of SBI Bluechip direct growth, UTI Equity Fund – Growth is a better option
SACHIN UPADHYE: I have the following investments in MF since few years ... should i continue or switch to some other MFs...please advise
ICICI Prudential MF
multi asset fund - growth - 89K
multi asset fund DP growth - 1.18L
bluechip growth - SIP 2500/-
HDFC MF
hdfc top 100 DP - growth - 70K
hdfc infrastructure DP - growth 25K
IDFC MF
IDFC infra growth direct - 20K
IDFC bond fund IP Gr - dir - 10k
IDFC bond fund MT Gr - dir - 10k
IDFC ASBF - direct - plan A growth - 10k
Omkeshwar Singh: SBI Multi Asset Allocation Fund - Growth is a better option in hybrid multi- asset and Axis Bluechip Fund – Growth is better option in Large-cap
UTI Equity Fund – Growth is a better option in Multi-cap
Sectoral Infra Funds can be avoided; instead diversified equity funds with higher infra exposure can be considered
Rest of the funds are fine.
anindya chatterjee: Following are my investments: Kindly guide me if i am going in right path.
| SBI Magnum Global Fund - Regular Plan – Growth (M0nthly) | 2000.00 P.M |
| SBI Focused Equity Fund Regular Growth (Monthly) | 3000.00 P.M |
| SBI Magnum Multicap Fund - Regular Plan – Growth (Monthly) | 3000.00 P.M |
| SBI Blue Chip Fund - Regular Plan – Growth (Monthly) | 2000.00 P.M |
| SBI Equity Hybrid Fund Regular Growth (Monthly) | 3000.00 P.M |
| SBI Dual Advantage Fund - Series XXVIII - Direct – (one time) | 50000.00 |
| SBI Equity Hybrid Fund Regular Growth (One Time) | 150000.00 |
| SBI Equity Hybrid Fund Regular Growth (ONE TIME) | 50000.00 |
| ICICI PRU LIFESTAGE WEALTH II POLICY (PER YEAR) | 30000.00 |
Omkeshwar Singh: UTI Equity fund- Growth is better Multi cap; Axis Bluechip Fund - Growth is better large cap and Canara Robeco Equity Hybrid Fund - Growth is better Aggressive Hybrid.
Rest are fine.
Rama Krishna: MF GURUJI PRANAM!
INVESTMENT AMOUNT: 50 LAKHS
FAMILY MEMBERS: 4 ADULTS + 1 CHILD
REQUIREMENT: 50,000 P.M. FOR FAMILY MAINTENANCE + 10% CAPITAL APPRECIATION
PLEASE ADVISE ON INVESTMENT.
Omkeshwar Singh: If your age is UNDER 50 then these funds can be considered -- Rs 12.5 lakh each with SWP of Rs 12500 from each fund;
If your age is OVER 50 then these funds can be considered -- Rs 12.5 lakh each with SWP of Rs 12500 from each:
arvind agrawal: Nowadays many people are investing in International Funds launched by Indian AMCs due to superior returns. Pl advice whether they are safe and one should invest in such funds? If yes then pl suggest an Indian fund who invest in international equities or international fund.
Omkeshwar Singh: International funds are better option; few funds that can be considered are as under:
If you want Mr Singh's advice on your mutual fund investments, please mail your questions to getahead@rediff.co.in with the subject line, 'Ask MF Guru', along with your name, and he will offer his unbiased views.
Disclaimer: This article is meant for information purposes only. This article and information do not constitute a distribution, an endorsement, an investment advice, an offer to buy or sell or the solicitation of an offer to buy or sell any securities/schemes or any other financial products/investment products mentioned in this QnA or an attempt to influence the opinion or behaviour of the investors/recipients.
Any use of the information/any investment and investment related decisions of the investors/recipients are at their sole discretion and risk. Any advice herein is made on a general basis and does not take into account the specific investment objectives of the specific person or group of persons. Opinions expressed herein are subject to change without notice.
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