'I am 25 years old and I have been investing for 2 years.'
'Can you please review my investments and suggest changes if any that should be made for long term wealth accumulation (10-15 years).'
'My risk appetite is moderately high.'
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Abhishek Srivastava: It is requested to please review my portfolio:
It Is To Mention That I Have A Goal For The Studies Of My 02 Children, My Retirement Plan Which Will Happen In Sept'2038 And All The Above Investments Are Made For 05yrs.
Besides This I Have Deposited Rs.10000/- At ELSS Which Will Mature In 2021:
1. Axis Long Term Equity Fund
2. ABSL Tax Relief 96 Fund-ELSS - Growth-DIR
3. Tata Equity P/EF Direct Plan-Growth
4. Tata India Tax Sav Fund Dir Pl Gr
Omkeshwar Singh:
Name of the Fund | Category | Recommendations |
Abhishek Srivastava | ||
Franklin India Feeder - Franklin U S Opportunities Fund - Direct – Growth | FoFs (Overseas) | Continue |
Kotak Std Multicap-Direct Plan | Equity - Multi Cap Fund | SmartSwitch to UTI Equity Fund - Growth |
Invesco Mid cap Fund | Equity - Mid Cap Fund | SmartSwitch to DSP Mid Cap |
Parag Pareikh Long Term Equity Fund | Equity - Multi Cap Fund | Continue |
L&T Emerging Opp. Fund-Series II - Dir. Div. (business) | Equity - Small cap Fund | SmartSwitch to Axis Small Cap Growth |
L&T Infrastructure Fund Direct Plan – Growth | Equity - Sectoral Fund - Infrastructure | SmartSwitch to UTI Equity Fund - Growth |
ICICI Balanced Advantage Fund DP Growth | Hybrid - Balanced Advantage | Continue |
ICICI Regular Gold SF (FOF) - DP Growth | FoFs (Domestic / Overseas ) - Gold | Continue |
SBI Equity Hybrid Fund Dir Growth | Hybrid - Aggressive Hybrid Fund | Continue |
Axis Focused 25 Fund | Equity - Focused Fund | continue |
Axis Bluechip Fund | Equity - Large Cap Fund | Continue |
Axis Strategic Bond Fund STP | Debt - Medium Duration Fund | Continue |
Axis Small Cap Fund | Equity - Small cap Fund | Continue |
Axis Growth Opportunities Fund | Equity - Large & Mid Cap Fund | Continue |
Axis Small Cap Fund | Equity - Small cap Fund | Continue |
Axis Short Term Fund | Debt - Short Duration Fund | SmartSwitch to Aditya Birla Sun Life Short Term Fund - Growth |
Canara Robeco Emerging Equities Fund(G) | Equity - Large & Mid Cap Fund | Continue |
Mirae Asset Emerging Opportunities Fund (bluechip) | Equity - Large & Mid Cap Fund | Continue |
1. Axis Long Term Equity Fund | Equity - ELSS | Continue |
2. ABSL Tax Relief 96 Fund-ELSS - Growth-DIR | Equity - ELSS | Continue |
3. Tata Equity P/EF Direct Plan-Growth | Equity - Value Fund | Continue |
4. Tata India Tax Sav Fund Dir Pl Gr | Equity - ELSS | SmartSwitch to Axis Long Term Equity - Growth |
Rozita Coutinho: I HAVE BEEN INVESTING IN HDFC MID CAP OPP SINCE 2015 BUT AS OF TODATE THE RETURN IS ONLY 0.75%. Should i redeem and INVEST IN SOME OTHER FUND? ALSO HDFC BALANCED FUND WAS MERGED TO HDFC HYBRID FUND - RETURNS UPTO DATE 1.92%. SHOULD I REDEEM AND ADD TO SOME OTHER FUND?
Omkeshwar Singh:
Name of the Fund | Category | Recommendations |
Rozita Coutinho | ||
HDFC MID CAP OPP | Equity - Mid Cap Fund | Continue |
HDFC BALANCED FUND | Hybrid - Balanced Advantage | SmartSwitch to ICICI Prudential Balanced Advantage Fund |
HDFC HYBRID FUND | ? | Fund Name Missing |
CHANDRA SEKHAR KAMARUSHI: pls give your feedback on the below mutual funds. i planning to reshuffle my mutual funds
self:- all below investments are from last 1.5 years (Direct plans)
1) hdfc top 100 fund loss invested 1 lakh , loss by 20 k
2) parag parikh long term equity invested 46k profit by 3 k
3) Axis small cap fund invested 44 k loss by 4k
4) uti nifty index fund invested 2 k profit by Rs 73/-
5) hdfc low duration fund invested by 27 k profit by 1k
wife: - all below investments are from last 3 years. (Direct plans)
1) hdfc top 100 fund loss invested 2.25 lakhs , loss by 34 k
2) Axis small cap fund invested 63k loss by 9k
3 ) Axis blue chip fund invested 48 k loss by 3k
4) hdfc mid cap opportunities fund invested 8 thousand loss by 1 thousand
pls give us your valuable advise.
Omkeshwar Singh:
Name of the Fund | Category | Recommendations |
Chandra Sekhar Kamarushi | ||
1) hdfc top 100 fund loss invested 1 lakh , loss by 20 k | Equity - Large Cap Fund | SmartSwitch to Axis Bluechip fund -Growth |
2) parag parikh long term equity invested 46k profit by 3 k | Equity - Multi Cap Fund | Continue |
3) Axis small cap fund invested 44 k loss by 4k | Equity - Small cap Fund | Continue |
4) uti nifty index fund invested 2 k profit by Rs 73/- (considering growth) | Index Funds - Nifty | Continue |
5) hdfc low duration fund invested by 27 k profit by 1k | Debt - Low Duration Fund | Continue |
1) hdfc top 100 fund loss invested 2.25 lakhs , loss by 34 k | Equity - Large Cap Fund | SmartSwitch to Axis Bluechip fund -Growth |
2) Axis small cap fund invested 63k loss by 9k | Equity - Small cap Fund | Continue |
3 ) Axis blue chip fund invested 48 k loss by 3k | Equity - Large Cap Fund | Continue |
4) hdfc mid cap opportunities fund invested 8 thousand loss by 1 thousand | Equity - Mid Cap Fund | Continue |
Shubham Tambi: I am 25 years old and I have been investing in the following funds for 2 years now, can you please, review my investments and suggest the changes if any that should be made for long term wealth accumulation (10-15 years). My risk appetite is moderately high.
Name of the Fund | Category | Recommendations |
Shubham Tambi | ||
Mirae Asset Emerging Bluechip Direct-growth 8k | Equity - Large & Mid Cap Fund | Continue |
Nippon India Small Cap DG 3.5k | Equity - Small cap Fund | Continue |
Axis Long Term Equity Direct Growth 3.5k | Equity - ELSS | Continue |
Aditya Birla TAX Relief '96 DG 2.5K | Equity - ELSS | Continue |
Axis Mid cap DG 1.5k | Equity - Mid Cap Fund | Continue |
Tata Equity PE DG 2k | Equity - Value Fund | Continue |
Mirae Asset Mid cap DG 2K | Equity - Mid Cap Fund | SmartSwitch to DSP Mid Cap |
Axis Small Cap DG 2K | Equity - Small cap Fund | Continue |
SBI Small Cap DG 2K | Equity - Small cap Fund | continue |
SNEHASHISH CHATTERJEE: I am 30 yrs old. I have invested in below mutual funds via SIP from June 2019 and will continue the investment for another 12-13 years for wealth generation. Can you please review my below funds and suggest the course of action?
Omkeshwar Singh:
Name of the Fund | Category | Recommendations |
Snehashish Chatterjee | ||
1. Axis Bluechip fund | Equity - Large Cap Fund | Continue |
2. Uti nifty index fund | Index Funds - Nifty | Continue |
3. Axis small cap fund | Equity - Small cap Fund | Continue |
4. Parag parikh long term equity fund | Equity - Multi Cap Fund | Continue |
5. Sbi focussed equity fund | Equity - Focused Fund | Continue |
6. Hdfc balanced advantage fund | Hybrid - Balanced Advantage | SmartSwitch to ICICI Prudential Balanced Advantage Fund |
7. Icici prudential US Bluechip equity fund. | Equity - Thematic Fund - Global | Continue |
Ajeet Singh: I am investing around 30k in below mentioned mutual funds and my plan for this investment for minimum 5 years and for few funds I am planning for long term investment as well like 10+ years. Please check and let me know if the fund selection is right or not. Thanks
Name of the Fund | Category | Recommendations |
Ajeet Singh | ||
Axis Long Term Equity Fund: - 3,000 | Equity - ELSS | Continue |
Axis Mid Cap Fund: 2,000 | Equity - Mid Cap Fund | Continue |
Aditya Birla 96 Tax Saver: 3,000 | Equity - ELSS | Continue |
Dsp Mid Cap Fund: 3,000 | Equity - Mid Cap Fund | Continue |
HDFC Mid cap opportunities:- 3,000 | Equity - Mid Cap Fund | Continue |
ICICI Prudential Large Cap. : - 2,000 | Equity - Large Cap Fund | SmartSwitch to Axis Bluechip fund -Growth |
Kotak Emerging Fund : 2,000 (equity) | Equity - Mid Cap Fund | Continue |
Kotak Multicap Fund : 2,000 | Equity - Multi Cap Fund | SmartSwitch to UTI Equity Fund - Growth |
Mirae Large Cap Fund : 2,000 | Equity - Large Cap Fund | Continue |
Nippon Small Cap Fund : 2,000 | Equity - Small cap Fund | SmartSwitch to Axis Small Cap Growth |
SBI Blue Chip Fund: 3,000 | Equity - Large Cap Fund | SmartSwitch to Axis Bluechip fund -Growth |
SBI Small Cap Fund : 3,000 | Equity - Small cap Fund | continue |
Arun Kumar Das: I am 49 years old male and working in PSU. I am an old investor investing in MFs since 2011 and I am a moderate risk taker. Till May 2020 I was investing through monthly SIP of Rs. 6000/- in ABSL Frontline Equity Fund which I stopped as it was performing badly since long, accumulated Rs. 1,28,000/- and holding that amount till date. From June 2020 I have started monthly SIPs in the following Mutual Funds:-
1) SBI Equity Hybrid Fund: Rs. 5000/- which I am investing for 4 to 5 years for my daughter's education, currently she is in 8th standard. After 4 to 5 years I have planned to switch to SBI Focused Equity.
2) Axis Bluechip Fund: Rs. 3000/-
3) Kotak Standard Multicap Fund: Rs. 2000/-
4) Motilal Oswal NASDAC 100 FOF: Rs. 1000/-
Every year I am going to increase the SIP amount by minimum 10%. My retirement is after 11 years (July 2031). I am going to invest in above mentioned funds for 10 years.
I would like to know how is my portfolio (does it need any changes) and how much retirement corpus I am going to make after 10 years?
Name of the Fund | Category | Recommendations |
Arun Kumar Das | ||
SBI Equity Hybrid Fund | Hybrid - Aggressive Hybrid Fund | Continue |
SBI Focused Equity | Equity - Focused Fund | Continue |
Axis Bluechip Fund | Equity - Large Cap Fund | Continue |
Kotak Standard Multicap Fund | Equity - Multi Cap Fund | SmartSwitch to UTI Equity Fund - Growth |
Motilal Oswal NASDAC | FoFs (Overseas) | Continue |
Gaurav Sablok: Request you to kindly review my portfolio and advise if I shall continue with the same.
I have been investing in mutual funds through SIP 50000 per month since Nov 2017.
Here is the list of funds I'm investing.
1.Kotak Standard Multicap Fund
2.L&T Emerging Businesses Fund.
3.Motilal Oswal Multicap 35 Fund.
4.HDFC Hybrid Equity Fund.
5.Principal Emerging Bluechip Fund.
>Recently I have stopped my SIPs in
1.L&T Emerging Businesses Fund.
2.Motilal Oswal Multicap 35 Fund.
And switched to:
1.Axis bluechip fund direct growth
2.DSP midcap direct growth
Please advise the fund selection and if I shall continue with the same.
Omkeshwar Singh:
Name of the Fund | Category | Recommendations |
Gaurav Sablok | ||
1.Kotak Standard Multicap Fund | Equity - Multi Cap Fund | SmartSwitch to UTI Equity Fund - Growth |
2.L&T Emerging Businesses Fund. | Equity - Small cap Fund | SmartSwitch to Axis Small Cap Growth |
3.Motilal Oswal Multicap 35 Fund. | Equity - Multi Cap Fund | Continue |
4.HDFC Hybrid Equity Fund. | Hybrid - Aggressive Hybrid Fund | SmartSwitch to Canara Robeco Equity Hybrid Fund |
5.Principal Emerging Bluechip Fund. | Equity - Large & Mid Cap Fund | Continue |
1.L&T Emerging Businesses Fund. | Equity - Small cap Fund | Continue |
2.Motilal Oswal Multicap 35 Fund. | Equity - Multi Cap Fund | Continue |
1.Axis bluechip fund direct growth | Equity - Large Cap Fund | Continue |
2.DSP midcap direct growth | Equity - Mid Cap Fund | Continue |
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, Mutual Fund Query, 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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