Wondering if mutual fund investments can earn you enough money for your retirement and child's marriage?
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
If you want his 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 Omkeshwar will offer his unbiased views.
Dinesh P: I am holding units of DSP Tiger fund for the last 10 years. Kindly advise another good equity fund of DSP for switchover as this fund has not been performing consistently. Please note that I am already invested in Equity Opportunities fund, Top 100 fund and Equity fund. Also which option is better-Dividend or Growth?
| Fund name | Catgory | Star Rating |
| Dinesh P | ||
| DSP Tiger fund | Equity - Thematic Funds: - Other | 1 |
| DSP Equity Opportunities fund | Equity - Large & Mid Cap Fund | 3 |
| DSP Top 100 fund | Equity - Large Cap Funds: | 4 |
| DSP Equity fund | Equity - Multi Cap Funds: | 4 |
Omkeshwar Singh: You may continue with the 4 rated funds; however for thematic and large cap better alternatives are available.
Equity - Thematic Funds:
- Tata Digital India Fund-Regular Plan-Growth
- Franklin Asian Equity Fund - Growth Plan
Equity - Large Cap Funds:
- LIC MF Large Cap Fund-Regular Plan-Growth
- Axis Bluechip Fund - Regular Plan - Growth
- Kotak Bluechip Fund - Growth
- Mirae Asset Large Cap Fund - Growth Plan
Sandip Kumar: I have invested in many equity and hybrid funds but my question is about short term funds. I have around 2 lakhs of surplus money with me at present. I am thinking of investing it in short term funds for 2 years. Should I go for a lump sum investment or choose SIP?
Omkeshwar Singh: Short term funds are majorly into debt funds therefore lumpsum is better option.
Short Duration Funds:
- Aditya Birla Sun Life Short Term Fund - Growth
- Icici Prudential Short Term Fund - Growth Option
- Hdfc Short Term Debt Fund - Regular Plan - Growth
H K Dikshit: Kindly advise me regarding following funds in which I am investing Rs. 8000/- per month. Should I continue or switch over to other funds?
| Fund name | Catgory | Star Rating |
| H K Dikshit | ||
| 1. Aditya Birla Sun Life Banking And Financial Services Fund - Regular Gr | Equity - Sectoral Fund - Banks & Financial Services | 4 |
| 2. HDFC Small Cap Fund - Gr | Equity - Small cap Fund | 1 |
| 3. SBI Banking & Financial Services Fund - Gr | Equity - Sectoral Fund - Banks & Financial Services | 5 |
| 4. SBI Focused Equity Fund - Regular Plan – Gr | Equity - Focused Funds: | 4 |
Omkeshwar Singh: You may continue with the 5 & 4 rated funds; however for Small cap better alternative is available
Equity - Small cap Fund: Axis Small Cap Fund - Regular Plan - Growth
Santanu Das: I have the following funds. Few since last 10 years & few since last 2 years. Would request your views for continuation/discontinuation please?
| Fund name | Catgory | Star Rating |
| Santanu Das | ||
| Aditya Birla Sun Life Tax Relief 96 Dividend | Equity - ELSS | 2 |
| Aditya Birla Sun Life Frontline Equity Dividend | ||
| Dividend Reinvestment | Equity - Large Cap Funds: | 2 |
| Dividend Payout | Equity - Large Cap Funds: | 2 |
| Aditya Birla Sun Life Focused Equity Growth | Equity - Focused Funds: | 4 |
| Aditya Birla Sun Life Tax Relief'96 Growth | Equity - ELSS | 4 |
| DSP Investment Tax Saver Fund | Equity - ELSS | 3 |
| Franklin Templeton India Equity Fund Growth | Equity - Multi Cap Funds: | 2 |
| HDFC Mid Cap Opportunities Growth | Equity - Mid Cap Funds: | 2 |
| HDFC Top 100 Dividend | ||
| Dividend Reinvestment | Equity - Large Cap Funds: | 2 |
| Dividend Payout | Equity - Large Cap Funds: | 2 |
| HDFC Equity Fund Growth | Equity - Multi Cap Funds: | 2 |
| HDFC Top 100 Growth | Equity - Large Cap Funds: | 3 |
| ICICI Prudential Infrastructure Dividend | ||
| Dividend Reinvestment | Equity - Sectoral Fund - Infrastructure | 1 |
| Dividend Payout | Equity - Sectoral Fund - Infrastructure | 1 |
| Kotak Standard Multi Cap Growth | Equity - Multi Cap Funds: | 3 |
| L&T Equity Fund Growth | Equity - Multi Cap Funds: | 3 |
| L&T Tax Advantage Dividend | Equity - ELSS | 2 |
| Quantum Long Term Equity Value Growth | Equity - Value Funds: | 3 |
| Reliance/Nippon India Power & Infra Dividend | Equity - Sectoral Fund - Energy & Power | 1 |
| Reliance/Nippon India Multi Cap Fund Growth | Equity - Multi Cap Funds: | 2 |
| UTI Dividend Yield Dividend | ||
| Dividend Reinvestment | Equity - Dividend Yield Fund | 4 |
| Dividend Payout | Equity - Dividend Yield Fund | 4 |
| Mirae Asset Hybrid Equity Growth | Hybrid - Aggressive Hybrid Fund | 4 |
| SBI Equity Hybrid Growth | Hybrid - Aggressive Hybrid Fund | 5 |
Omkeshwar Singh: You may continue with the 5 & 4 rated funds; however avoid any Equity - Sectoral Fund – Infrastructure OR Energy & Power funds , at present and for others better alternative is available
Equity – ELSS:
- Canara Robeco Equity Taxsaver Fund - Regular Plan - Growth
- BOI AXA Tax Advantage Fund-Regular Plan- Growth
- Aditya Birla Sun Life Tax Relief '96 - Growth Option
Equity - Large Cap Funds:
- LIC MF Large Cap Fund-Regular Plan-Growth
- Axis Bluechip Fund - Regular Plan - Growth
- Kotak Bluechip Fund - Growth
- Mirae Asset Large Cap Fund - Growth Plan
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Value Funds:
- Tata Equity P/E Fund Regular Plan -(Growth Option)
Equity - Focused Funds:
- Axis Focused 25 Fund - Regular Plan - Growth Option
- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option
khuzema shuja: I AM INVESTING IN BELOW FUNDS. PLEASE SUGGEST FOR LONG TERM GOAL WHICH FUND TO HOLD/START/EXIT.
| Fund name | Catgory | Star Rating |
| Khuzema Shuja | ||
| Reliance Vision Fund - RETAIL PLAN GROWTH PLAN | Equity - Large & Mid Cap Fund | 2 |
| Reliance+Tax+Saver+Fund+-+Growth+-+Regular+Plan | Equity - ELSS | 1 |
| Reliance-focused-equity-fund---regular-plan | Equity - Focused Funds: | 2 |
| Axis Long Term Equity Fund - Growth - Equity - ELSS | Equity - ELSS | 5 |
| Birla Sun Life Tax Relief 96 - Growth - Equity - ELSS | Equity - ELSS | 4 |
| SBI Magnum Equity Fund - Growth - Equity - Diversified | Equity - Thematic Funds: - Other | 4 |
| SBI Blue Chip Fund - Regular Plan - Growth | Equity - Large Cap Funds: | 3 |
| SBI Magnum Tax Gain Scheme 93 - Dividend - Equity - | Equity - ELSS | 2 |
| ICICI Prudential Value Discovery Fund - Regular Plan - Growth - Equity - | Equity - Value Funds: | 2 |
| HDFC Top 200 Fund - Equity - Diversified HDFC | Equity - Large Cap Funds: | 3 |
| Kotak Midcap Fund - Regular Plan - Growth - Equity - Diversified | Equity - Mid Cap Funds: | 3 |
| Dsp-blackrock-top-100-equity-fund---regular-plan | Equity - Large Cap Funds: | 4 |
| sundaram-rural-india-fund---regular-plan | Equity - Thematic Funds: - Other | 4 |
Omkeshwar Singh: You may continue with the 5 & 4 rated funds; however for others better alternative is available
Equity – ELSS:
- Canara Robeco Equity Taxsaver Fund - Regular Plan - Growth
- BOI AXA Tax Advantage Fund-Regular Plan- Growth
- Aditya Birla Sun Life Tax Relief '96 - Growth Option
Equity - Large Cap Funds:
- LIC MF Large Cap Fund-Regular Plan-Growth
- Axis Bluechip Fund - Regular Plan - Growth
- Kotak Bluechip Fund - Growth
- Mirae Asset Large Cap Fund - Growth Plan
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Value Funds: Tata Equity P/E Fund Regular Plan -(Growth Option)
Equity - Focused Funds:
- Axis Focused 25 Fund - Regular Plan - Growth Option
- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option
Equity - Large & Mid Cap Fund
- BOI AXA Large & Mid Cap Equity Fund Regular Plan- Growth
- Canara Robeco Emerging Equities - Regular Plan - GROWTH
- Tata Large & Mid Cap Fund- Regular Plan - Growth
abhijit rao: I have invested in the following funds. Please share your feedback.
| Fund name | Catgory | Star Rating |
| Abhijit Rao: | ||
| HDFC Hybrid Equity Fund - Direct Growth | Hybrid - Aggressive Hybrid Fund | 4 |
| HDFC Top 100 Fund - Direct Plan - Dividend | Equity - Mid Cap Funds: | 2 |
| HDFC Top 100 Fund - Direct Plan - Growth | Equity - Multi Cap Funds: | 2 |
| L&T Tax Advantage Fund Direct Plan - Divident Payout | Equity - ELSS | 2 |
| SBI Blue Chip Fund - Growth | Equity - Large Cap Funds: | 3 |
| ICICI Prudential Balanaced Advantage Fund - Div | ||
| Dividend Reinvestment | Hybrid - Balanced Advantage | 4 |
| Dividend Payout | Hybrid - Balanced Advantage | 3 |
| ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth | Equity - Sectoral Fund - Banks & Financial Services | 2 |
| Mirae Asset India Equity Fund - Direct | Equity - Large Cap Funds: | 4 |
| Mirae Asset Tax Saver Fund – Direct | Equity - ELSS | 3 |
Omkeshwar Singh: You may continue with the 4 rated funds; however for others better alternatives are available
Equity – ELSS:
- Canara Robeco Equity Taxsaver Fund - Regular Plan - Growth
- BOI AXA Tax Advantage Fund-Regular Plan- Growth
- Aditya Birla Sun Life Tax Relief '96 - Growth Option
Equity - Large Cap Funds:
- LIC MF Large Cap Fund-Regular Plan-Growth
- Axis Bluechip Fund - Regular Plan - Growth
- Kotak Bluechip Fund - Growth
- Mirae Asset Large Cap Fund - Growth Plan
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Sectoral Fund - Banks & Financial Services
- LIC MF BANKING AND FINANCIAL SERVICES FUND-REGULAR PLAN-GROWTH
- Tata Banking And Financial Services Fund-Regular Plan-Growth
- SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH
Nitpalsingh: I request to guide me regarding MF investment. I invest SIP Rs 8000 in following funds.
| Fund name | Catgory | Star Rating |
| Nitpal Singh | ||
| ·L&T Equity fund-Reg (G) Rs. 2000 | Equity - Multi Cap Funds: | 3 |
| ·Kotak infra & eco reform fund (G) Rs. 2000 | Equity - Sectoral Fund - Infrastructure | 1 |
| ·Principal Balanced Advantage Fund (G) Rs.2000 | Hybrid - Dynamic Asset Allocation | 3 |
| ·Nippon India (ELSS) Fund (G) Rs 1000 | Equity - ELSS | 1 |
| ·Franklin India - Growth Rs 1000 | Equity - Multi Cap Funds: | 2 |
Omkeshwar Singh: Better alternatives are available; avoid any Equity - Sectoral Fund – Infrastructure.
Equity – ELSS:
- Canara Robeco Equity Taxsaver Fund - Regular Plan - Growth
- BOI AXA Tax Advantage Fund-Regular Plan- Growth
- Aditya Birla Sun Life Tax Relief '96 - Growth Option
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Hybrid - Dynamic Asset Allocation
- Motilal Oswal Dynamic Fund - Regular Growth
- Axis Dynamic Equity Fund Regular Plan Growth
bhupathy magesh babu: I would like to invest in mutual fund via sip route 5k- 10k per month. What is the best option? Large Cap, Mid Cap, Small Cap or Diversified fund? Is it better to invest in more than 1 MF fund say 3k-4k per mutual fund or invest in a single fund which is better? I would like to invest in order to have peaceful retirement life say invest for 10-15 years.
| Fund name | Catgory | Star Rating |
| Bhupathy Magesh Babu | ||
| 1. Adithya Birla sun life Mutual Fund. Adithya Birla Focused equity –Growth | Equity - Focused Funds: | 4 |
| 2. Adithya Birla sun life Mutual Fund. Adithya Birla Focused equity –Growth | Equity - Focused Funds: | 4 |
| 3. Adithya Birla sun life Mutual Fund. Adithya Birla Mid cap fund | Equity - Mid Cap Funds: | 2 |
| 4. HDFC Mutual fund. HDFC Mid cap opportunities -Growth | Equity - Mid Cap Funds: | 2 |
| 5. HDFC Mutual fund. HDFC Top 100 fund | Equity - Multi Cap Funds: | 2 |
| 6. Nippon India Mutual Fund. Nippon India Retirement fund | Solution Oriented - Retirement Fund | Complete name not provided |
| 7. Nippon India Mutual Fund. Nippon India Retirement fund | Solution Oriented - Retirement Fund | Complete name not provided |
| 8. L & T Mutual Fund. L & T India value fund | Equity - Value Funds: | 2 |
Omkeshwar Singh: You may continue with the 4 rated funds; however for others better alternatives are available
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Value Fund: Tata Equity P/E Fund Regular Plan -(Growth Option)
Equity - Focused Funds:
- Axis Focused 25 Fund - Regular Plan - Growth Option
- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option
Ashwani Kumar Mishra: I am 35 year old. Earlier I was a trader in share market for last 8 years but in that 8 years, i have booked huge loss. Now i want to invest 5 lakh for long term (10 year) so that i can recover the loss. Kindly suggesst me some best mutual fund (i can take risk).
Omkeshwar Singh:
Top rated Equity schemes as per RankMF are as under
- UTI Equity Fund - Growth
- Axis Focused 25 Fund - Growth
- Motilal 30 mid cap fund – Growth
- LIC MF Large cap fund - Growth
Santosh Sahoo: I want to invest Rs 2000/- in MF for a long time for my 6-yr-old daughter’s marriage without tax benefit. Kindly suggest me where to invest for quite assured high return though MF investment is subject to market risk.
Omkeshwar Singh: Equity schemes are best suited for creation wealth in long run and the suitable schemes are as under ( Can start SIP of Rs. 500 in each of these 4 funds)
- UTI Equity Fund - Growth
- Axis Focused 25 Fund - Growth
- Motilal 30 mid cap fund – Growth
- LIC MF Large cap fund - Growth
N Bhaskaran: I am 46 Years old. I have not started investing in MFs so far. I want to start investing 6K - 8K for now & increase 10 per cent every year for 10 years. & withdraw the money after my retirement in 14 years. Which MF should I invest so that I can maximise my returns for my retirement funds? Kindly guide me so that I can start at least now.
Omkeshwar Singh: Equity schemes are best suited for creation wealth in long run and the suitable schemes are as under (Can start SIP of Rs. 1500-Rs. 2000 in each of these 4 funds)
- UTI Equity Fund - Growth
- Axis Focused 25 Fund - Growth
- Motilal 30 mid cap fund – Growth
- LIC MF Large cap fund - Growth
Ravindra Kumar: I HAVE BEEN INVESTING IN MUTUAL FUNDS FOR THE LAST SEVERAL YEARS BUT THE RETURNS HAVE NOT BEEN ENCOURAGING. I WOULD LIKE TO KNOW IF I AM INVESTING IN THE RIGHT FUNDS OR SHOULD I SHIFT TO OTHER MFs TO MAXIMISE MY RETURNS. GIVE BELOW IS MY CURRENT HOLDING OF MFs.
| Fund name | Catgory | Star Rating |
| Ravindra Kumar | ||
| ·Aditya Birla Sun Life Pure Value Fund -Growth -Direct Plan | Equity - Value Funds: | 1 |
| ·Aditya Birla Sun Life Pure Value Fund -Growth -Regular Plan | Equity - Value Funds: | 1 |
| ·Canara Rebeco Emerging Equities - Regular Growth | Equity - Large & Mid Cap Fund | 4 |
| ·Franklin India Smaller Companies Fund - Growth | Equity - Small cap Fund | 2 |
| ·HDFC Equity Fund - Regular Plan - Growth | Equity - Multi Cap Funds: | 2 |
| ·HDFC Mid-Cap Opportunities Fund -Regular Plan Growth | Equity - Mid Cap Funds: | 2 |
| ·ICICI Prudendial Banking and Financial Services Fund - Growth | Equity - Sectoral Fund - Banks & Financial Services | 2 |
| ·Mirae Asset Focused Fund - Direct Plan - Growth | Equity - Multi Cap Funds: | 2 |
| ·Mirae Asset Large Cap Fund - Direct Plan - Growth | Equity - Large Cap Funds: | 4 |
| ·NIPPON INDIA MULTI CAP FUND- DIRECT GROWTH PLAN GROWTH OPTION | Equity - Multi Cap Funds: | 2 |
Omkeshwar Singh: You may continue with the 4 rated funds; however for others better alternatives are available
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Sectoral Fund - Banks & Financial Services:
- LIC MF BANKING AND FINANCIAL SERVICES FUND-REGULAR PLAN-GROWTH
- Tata Banking And Financial Services Fund-Regular Plan-Growth
- SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH
Equity - Small Cap Fund:Axis Small Cap Fund - Regular Plan - Growth
Equity - Large & Mid Cap Funds:
- BOI AXA Large & Mid Cap Equity Fund Regular Plan- Growth
- Canara Robeco Emerging Equities - Regular Plan - GROWTH
- Tata Large & Mid Cap Fund- Regular Plan - Growth
Binoy Nair: I am Binoy working in UAE as a sales executive age 39. From kochin, Kerala. May I kindly get some advice for my mutual funds portfolio? I am doing below mutual funds SIP direct growth. & I stopped some SIPs and hold the funds.
Now I am doing 96k SIP. Need to start & continue total 1 lakh SIP for the next 8 to 10 years. Now current total SIP value is around 27 lakhs. This SIP s are for my retirement monthly income 30 to 35k (all are current value) after 10 years, and for my 2 children’s education 35 lakhs lumpsum after 10 & 15 years respectively.
I am thinking to stop ICICI pru blue chip & Birla frontline equity and to start Mirae large cap & one more Multi cap fund. I am moderate to little aggressive risk taker. What are the changes required? Should I hold the stopped funds or I need to redeem and deposit it to another funds? if to do so, in which funds I need to invest this lumpsum amounts?
Please advise me for the necessary changes required to make a good portfolio to invest for the next 8-10 years. Looking forward to get your reply positively.
| Fund name | Catgory | Star Rating |
| Binoy Nair | ||
| LARGE CAPS & HYBRID | ||
| AXIS BLUE CHIP EQUITY | Equity - Large Cap Funds: | 5 |
| ICICI BLUE CHIP EQUITY | Equity - Thematic Funds: - Global | 4 |
| BIRLA FRONTLINE EQTY | Equity - Large Cap Funds: | 3 |
| ICICI PRU DEBT& EQUITY | Hybrid - Aggressive Hybrid Fund | 3 |
| MULTI CAPS | ||
| KOTAK STANDARD MULTCAP | Equity - Multi Cap Funds: | 3 |
| AXIS MULTICAP | Equity - Multi Cap Funds: | 5 |
| AXIS FOCUSED 25 | Equity - Focused Funds: | 5 |
| Franklin India Focused Equity | Equity - Focused Funds: | 2 |
| MIDCAP, LARGE & MIDCAP | ||
| AXIS MIDCAP | Equity - Mid Cap Funds: | 3 |
| HDFC MIDCAP | Equity - Mid Cap Funds: | 2 |
| MIRAE ASSET EMERGING BLUECHIP EQUITY | Equity - Large & Mid Cap Fund | 4 |
| STOPPED SIPs | ||
| FRANKLIN SMALLER COMPANIES | Equity - Small cap Fund | 2 |
| BIRLA FOCUSED EQUITY | Equity - Focused Funds: | 4 |
| HDFC HYBRID EQUITY | Hybrid - Aggressive Hybrid Fund | 4 |
Omkeshwar Singh: You may continue with the 5 & 4 rated funds; however for others better alternative is available
Equity - Large Cap Funds:
- LIC MF Large Cap Fund-Regular Plan-Growth
- Axis Bluechip Fund - Regular Plan - Growth
- Kotak Bluechip Fund - Growth
- Mirae Asset Large Cap Fund - Growth Plan
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Value Funds:Tata Equity P/E Fund Regular Plan -(Growth Option)
Equity - Focused Funds:
- Axis Focused 25 Fund - Regular Plan - Growth Option
- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option
Equity - Large & Mid Cap Fund
- BOI AXA Large & Mid Cap Equity Fund Regular Plan- Growth
- Canara Robeco Emerging Equities - Regular Plan - GROWTH
- Tata Large & Mid Cap Fund- Regular Plan - Growth
Hybrid - Aggressive Hybrid Fund
- Axis Equity Hybrid Fund - Regular Plan Growth
- Dsp Equity And Bond Fund - Growth
- Motilal Oswal Equity Hybrid Fund-regular Plan Growth
Preshit Upadhye: I am an NRI from USA/Canada. I want to invest 3 lakh to 5 lack in Mutual funds in India. I am looking at 3-5 years window with high returns (I am willing to take high risk).
1. Shall I invest as SIP or as lumpsum amount considering I can invest 3-5 lacks immediately?
2. I am considering following portfolio (Please note NRI from USA/CANADA are allowed to invest only in 8 MF houses in India). Please advise if it would be appropriate.
| Fund name | Catgory | Star Rating |
| Preshit Upadhye | ||
| ·Sundaram Large and Mid Cap Fund Growth (20 per cent) | Equity - Large & Mid Cap Fund | 2 |
| ·Sundaram Select Focus Fund Growth (20 per cent) | Equity - Focused Funds: | 4 |
| ·UTI Regular Fund Equity Plan Growth (20 per cent) | Equity - Multi Cap Funds: | 5 |
| ·L&T Mid Cap Fund Growth (20 per cent) | Equity - Mid Cap Funds: | 2 |
| ·L&T India Value Growth (20 per cent) | Equity - Value Funds: | 2 |
Omkeshwar Singh: You may invest with the 5 & 4 rated funds; however for others better alternative is available
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Value Funds: Tata Equity P/E Fund Regular Plan -(Growth Option)
Equity - Large & Mid Cap Fund
- BOI AXA Large & Mid Cap Equity Fund Regular Plan- Growth
- Canara Robeco Emerging Equities - Regular Plan - GROWTH
- Tata Large & Mid Cap Fund- Regular Plan - Growth
Essar Nair: I am holding below mentioned SIPs and also single MF investments. Please advise if this can be continued or if fund change required.
| Fund name | Catgory | Star Rating |
| Essar Nair | ||
| ·HDFC Hybrid Equity Regular Growth Monthly | Hybrid - Aggressive Hybrid Fund | 4 |
| ·Birla Sunlife Adv Fund Monthly | Equity - Large & Mid Cap Fund | 4 |
| ·SBI Blue Chip Fund Growth Monthly | Equity - Large Cap Funds: | 3 |
| ·SBI Equity Hybrid Fund Dir Growth Monthly | Hybrid - Aggressive Hybrid Fund | 5 |
| ·Sundaram Selec Midcap Monthly | Equity - Mid Cap Funds: | 2 |
| ·Nippon india large cap fund growth plan growth option Monthly | Equity - Large Cap Funds: | 2 |
| ·Nippon India focused equity growth Monthly | Equity - Focused Funds: | 2 |
| ·ICICI Pru Value Disc Fund Gro Monthly | Equity - Value Funds: | 2 |
| ·Tata Banking and Financial Services Fund Growth Monthly | Equity - Sectoral Fund - Banks & Financial Services | 5 |
| ·Kotak Focused Equity Fund Growth Monthly | Equity - Focused Funds: | 4 |
| ·Kotak Standard Multicap Fund Growth Monthly | Equity - Multi Cap Funds: | 3 |
| ·Axis Focused 25 Fund Growth Monthly | Equity - Focused Funds: | 5 |
| ·IC Pru Value Fund Ser 13 Divi (one time) Single | Equity - Value Funds: | 2 |
| ·ICICI Pru Manufacturing Fund (one time) Single | Equity - Thematic Funds: - Other | 1 |
| ·Hybrid Aggressive Plan Growth (one time) Single | (incomplete fund name) | |
| ·Equity plan growh (one time) Single | (incomplete fund name) | |
| ·Debt Plan Growth (one time) Single | (incomplete fund name) | |
| ·Conservative plan growth (one time) Single | (incomplete fund name) | |
| ·Tata Value Fund Series 1 Growth (one time) Single | (Not in RankMF) | |
| ·ICICI Pru Retirement Fund | (Not in RankMF) |
Omkeshwar Singh: You may continue with the 5 & 4 rated funds; however, for others better alternative is available
Equity - Large Cap Funds:
- LIC MF Large Cap Fund-Regular Plan-Growth
- Axis Bluechip Fund - Regular Plan - Growth
- Kotak Bluechip Fund - Growth
- Mirae Asset Large Cap Fund - Growth Plan
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Value Funds:
- Tata Equity P/E Fund Regular Plan -(Growth Option)
Equity - Focused Funds:
- Axis Focused 25 Fund - Regular Plan - Growth Option
- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option
Equity - Large & Mid Cap Fund
- BOI AXA Large & Mid Cap Equity Fund Regular Plan- Growth
- Canara Robeco Emerging Equities - Regular Plan - GROWTH
- Tata Large & Mid Cap Fund- Regular Plan - Growth
Hybrid - Aggressive Hybrid Fund
- Axis Equity Hybrid Fund - Regular Plan Growth
- Dsp Equity And Bond Fund - Growth
- Motilal Oswal Equity Hybrid Fund-regular Plan Growth
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Rajguddu: Please advise me on following
| Fund name | Catgory | Star Rating |
| Rajguddu | ||
| ·AXIS BLUE CHIP FUND-GROWTH | Equity - Large Cap Funds: | 5 |
| ·AXIS MULTI CAP FUND - GROWTH | Equity - Multi Cap Funds: | 5 |
| ·MIRAE ASSET LARGE CAP FUND - GROWTH | Equity - Large Cap Funds: | 4 |
Omkeshwar Singh: You have decent very portfolio, please continue without any change.
Vijai Kumar: I want to invest around Rs 100,000 in Mutual Funds on long term basis with high return. Please advise which would be the best funds among HDFC, SBI, Nippon, Birla or/and ICICI.
Omkeshwar Singh: Please note, RankMF ratings ignore past performance and influence of brand or names, it mainly considers the quality of the portfolio and the margin of safety at with the NAV is currently available on real-time basis.
Top rated schemes of various categories at present are as under, you may select as per your requirement.
Equity - Large Cap Funds:
- LIC MF Large Cap Fund-Regular Plan-Growth
- Axis Bluechip Fund - Regular Plan - Growth
- Kotak Bluechip Fund - Growth
- Mirae Asset Large Cap Fund - Growth Plan
Equity - Mid Cap Funds:
- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option
- DSP Midcap Fund - Regular Plan - Growth
Equity - Focused Funds:
- Axis Focused 25 Fund - Regular Plan - Growth Option
- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option
Equity - Large & Mid Cap Fund
- BOI AXA Large & Mid Cap Equity Fund Regular Plan- Growth
- Canara Robeco Emerging Equities - Regular Plan - GROWTH
- Tata Large & Mid Cap Fund- Regular Plan - Growth
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Neeraj Gupta: I have following Mutual Funds since 2017.
1. Nippon Small Cap: Monthly Amount: Rs. 3000
2. Nippon India Focused: Monthly Amount: Rs. 2500/-
3. ICICI Pru- Value discovery: Amount: Rs. 1000/-
4. Franklin- India Equity: Amount: Rs. 2500/-
5. IDFC-Sterling Value: Amount: Rs. 2500/-
I want to stop these and start some performing one. Hence, I request you to suggest some MF for period of above 5 years.
| Fund name | Catgory | Star Rating |
| Neeraj Gupta | ||
| 1. Nippon Small Cap: Monthly Amount: Rs. 3000 | Equity - Small cap Fund | 1 |
| 2. Nippon India Focused: Monthly Amount: Rs. 2500/- | Equity - Focused Funds: | 2 |
| 3. ICICI Pru- Value discovery: Amount: Rs. 1000/- | Equity - Value Funds: | 2 |
| 4. Franklin- India Equity: Amount: Rs. 2500/- | Equity - Multi Cap Funds: | 2 |
| 5. IDFC-Sterling Value: Amount: Rs. 2500/- | Equity - Value Funds: | 1 |
Omkeshwar Singh: Better alternatives are available
Equity - Focused Funds:
- Axis Focused 25 Fund - Regular Plan - Growth Option
- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option
Equity - Multi Cap Funds:
- Motilal Oswal Multicap 35 Fund (MOF35)-Regular Plan-Growth Option
- JM Multicap Fund - Growth option
- UTI - Equity Fund-Growth Option
Equity - Value Fund: Tata Equity P/E Fund Regular Plan -(Growth Option)
Equity - Small cap Fund: Axis Small Cap Fund - Regular Plan - Growth
Ankit Rawat: I am investing 6k/month in SBI blue chip & DSP blackrock tax saver fund. Now thinking of investing 3.5k/mnth in balanced fund but confused among ICICI prudential bal. Adv, SBI equity hybrid & HDFC bal. Adv. Fund.
Can you review my profile as if it lacks any type of fund and tell me which balanced fund is going to be good for me? I am 30 yrs old and my investment horizon is of 10 years and my risk appetite is moderate.
Omkeshwar Singh: You may consider Aggressive Hybrid schemes looking at long term tenure of 10 year.
Hybrid - Aggressive Hybrid Fund
- Axis Equity Hybrid Fund - Regular Plan Growth
- Dsp Equity And Bond Fund - Growth
- Motilal Oswal Equity Hybrid Fund-regular Plan Growth
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