'I am investing thru SIP from last 4 years on long term goals, but not getting desired returns. Advise us to continue or switch to other funds.'
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
| Name of the Fund | Recommendations ( Contine / SmartSwitch) |
| Neeraj Kala: i have been investing in mutual funds from last three Years and the funds in which i am investing are mentioned below. so kindly suggest do i continue in the existing fund or switch to some other fund | |
| 1. Franklin India Prima Fund (G) | DSP Midcap - Growth |
| 2. Kotak Standard Multicap Fund (G) | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| 3. DSP Equity Opp Fund Reg (G) | Uti Equity Fund-growth Plan-growth |
| 4. Invesco India Contra Fund (G) | Continue |
| 5. L&T Mid Cap Fund (G) | DSP Midcap - Growth |
| 6 SBI Small Cap Fund Reg (G) | Continue |
| Ashwin Kumar: I have SIPs in following mutual funds. Could you please review and provide your expert advice. | |
| SBI Small Cap Fund Dir Growth | Continue |
| L&T Midcap Fund Direct Plan - Growth | DSP Midcap - Growth |
| Kotak Emerging Equity Fund Dir-Gr | DSP Midcap - Growth |
| Tata Large & Mid Cap Dir Pl Growth (formerly Equity Opportunities Fund) | Continue |
| HDFC Top 100 Fund-DP-Growth | Canara Robeco Bluechip Equity Fund Regulargrowth |
| HDFC Small Cap Fund - Direct Growth Plan | Axis Small Cap - Growth |
| ABSL Tax Relief 96 Fund-ELSS - Growth-DIR | Continue |
| 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. | |
| ABSL Tax Relief 96 Dir-G | Consolidate ELSS to Canara Robeco Equity Tax Saver Fund Regular Growth, Continue with Balanced advantage, SmartSwitch 1) Large Caps -- Canara Robeco Bluechip Equity Fund Regulargrowth. 2) Multi Caps / Focused - Uti Equity Fund-growth Plan-growth |
| Tata India Tax Svngs Reg-G | |
| Mirae Asset Tax Saver Dir-G | |
| ICICI Pru Balanced Advtg Dir-G | |
| SBI Bluechip Dir-G | |
| L&T Tax Advtg Dir-G | |
| IDFC Tax Advtg (ELSS) Reg-G | |
| Kotak Standard Multicap Dir-G | |
| Nippon India Large Cap Dir-G | |
| IDFC Focused Eqt Dir-G | |
| ICICI Pru Balanced Advtg Dir-G | |
| SBI Bluechip Dir-G | |
| P K RAJASEKHARAN: I have following MF. I am 75 Years of age. Your advise will be of great help. 1. HDFC Balaned Advantage Fund(D) -- invested Rs18.00 lakh on 14th August 2017. Present value is less by 32.5%.~; 2. ICICI Prudential Advantage Fund (D) -- invested Rs 14.00 lakh on 14th August 2017. Present value is less by 3.1%~; 3. DSP Equity and Bond Fund Regular Dividend --invested Rs 5.00 lakh. Present value is same as invested value. Awaiting for your advise. | |
| 1. HDFC Balaned Advantage Fund(D) | Union Balanced Advantage Fund Regular Plan - Growth |
| 2. ICICI Prudential Advantage Fund (D) | Continue |
| 3. DSP Equity and Bond Fund Regular Dividend | Canara Robeco Equity Hybrid Fund Regular Growth |
| Venkatesh G: I am investing the below mentioned funds thru SIP from last 4 years on long term goals but not getting desired returns. Advise us to continue or switch to other funds | |
| 1. Aditya Birla Sunlife Frontline equity fund - growth regular | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 2. Franklin India equity fund growth | Uti Equity Fund-growth Plan-growth |
| 3. HDFC hybrid equity fund regular plan growth | Canara Robeco Equity Hybrid Fund Regular Growth |
| 4. Nippon India focused equity fund growth | Uti Equity Fund-growth Plan-growth |
| 5. HDFC children gift fund | Axis Esg Equity Fund Regular Growth |
| Rajan Dutta: I am investing in following MF for a quiet sometime. Please advice. | |
| templeton India equity income fund , growth | Uti Dividend Yield Fund - Growth Option |
| franklin India opportunity fund G | Axis Esg Equity Fund Regular Growth |
| SBI magnum comma G | Axis Esg Equity Fund Regular Growth |
| UTI dividend yield fund. G | Continue |
| HDFC growth opportunity fund G | Canara Robeco Emerging Equities Regular -growth |
| ICICI prudential blue chip fund G | Canara Robeco Bluechip Equity Fund Regulargrowth |
| Kotak Equity opportunity fund G | Continue |
| Nippon India value fund G | Axis Esg Equity Fund Regular Growth |
| Nippon India gold saving fund G | Continue |
| Axis long term equity fund g | Continue |
| Franklin India smaller companies fund G | Axis Small Cap - Growth |
| franklin India focused equity fund G | Mirae Asset Focused Fund - Regular Plan - Growth |
| icici prudential long term equity fund G | Canara Robeco Equity Tax Saver Fund Regular Growth |
| HDFC mid cap opportunities fund G | Axis Mid Cap |
| Aman Tomar: I am investing in below mutual funds through SIPs from the last 2 years. Results are not as expected. Could you please advise on the best available options. | |
| 1. Mirae Asset Emerging Bluechip Fund Direct- Growth: Rs 3500/month | Continue |
| 2. Motilal Oswal Multicap 35 Fund Direct-Growth: Rs 3000/month | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| 3. L&T Midcap Fund Direct- Growth: Rs 1500/month | Axis Mid Cap |
| 4. SBI Bluechip Direct Plan- Growth: Rs 2000/month | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 5. Aditya Birla Sun Life India GenNext Direct Fund- Growth: Rs 2500/month | Axis Esg Equity Fund Regular Growth |
| 6. ICICI Prudential Equity & Debt Fund Direct-Growth: Rs 1500/month | Canara Robeco Equity Hybrid Fund Regular Growth |
| Joseph: I have invested Rs 3000 in each of the following. Whether to continue or change? | |
| Axis Blue chip Fund - Regular Growth | Continue |
| Mirae Asset Emerging Blue chip Fund - Regular Plan Growth | Continue |
| NIPPON INDIA SMALL CAP FUND - GROWTH PLAN GROWTH OPTION | Axis Small Cap - Growth |
| Aditya Birla Sun Life Small Cap Fund Growth-Regular Plan | Axis Small Cap - Growth |
| SBI Magnum Multi cap Fund - Regular Plan – Growth | Uti Equity Fund-growth Plan-growth |
| HDFC Hybrid Equity Fund - Regular Plan – Growth | Canara Robeco Equity Hybrid Fund Regular Growth |
| Swapnil Chandra: Hi I've invested in these 4 funds (via a financial advisor), SIP of 5000/- for each fund every month: | |
| 1. ICICI Prudential Mutual Fund: DFG / Value Discovery Fund - Growth | Continue |
| 2. Aditya Birla Sun Life Mutual Fund: ABSL Equity Advantage Fund - Growth | Canara Robeco Emerging Equities Regular -growth |
| 3. SBI Mutual Fund: SBI Focused Equity Fund Reg Growth | Continue |
| 4. DSP Mutual Fund: Equity Fund - Reg - G | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| Anirban Biswas: I wish to take your advise on the following 5 MFs where I am doing a monthly SIP of 5000/each SIP since 2017. | |
| 1.ICICI Pru Value Discovery Fund (G)- Annualised return is 3.16%. | Continue |
| 2.Aditya Birla SL Frontline Equity Funf (G)- Annualised return is 1.74%. | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 3.HDFC Mid Cap Opportunities Fund (G)- Annualised return is 1.52%. | Axis Mid Cap |
| 4.Sundaram Mid Cap Fund (G)- Annualised return is -2.91% | Axis Mid Cap |
| 5.HDFC Small Cap Fund (G)- Annualised return is -4.6%. | Axis Small Cap - Growth |
| Parag Chaudhary: Please analyse my portfolio: | |
| Aditya Birla Sun Life Equity Fund - Growth-Regular Plan | Uti Equity Fund-growth Plan-growth |
| Aditya Birla Sun Life Regular Savings Fund - Growth-Regular Plan | Icici Prudential Regular Savings Fund - Growth |
| Aditya Birla Sun Life Small Cap Fund Growth-Regular Plan | Axis Small Cap - Growth |
| Aditya BSL Pure Value Fund - Growth-Regular Plan | Axis Esg Equity Fund Regular Growth |
| Aditya BSL Tax Relief'96 Fund- (ELSS U/S 80C of IT ACT) - Growth-Regular Plan | Continue |
| Axis Bluechip Fund - Growth | Continue |
| Axis Focused 25 Fund GROWTH | Continue |
| Axis Mid Cap Fund - Growth | Continue |
| Canara Robeco Emerging Equities Regular Growth Growth | Continue |
| DSP Dynamic Asset Allocation Fund - Reg - Growth | Edelweiss Balanced Advantage Fund - Growth Option |
| DSP Tax Saver Fund - Regular Plan - Growth | Canara Robeco Equity Tax Saver Fund Regular Growth |
| Franklin India Smaller Companies Fund-GROWTH | Axis Small Cap - Growth |
| HDFC Capital Builder Value Fund- Growth | Axis Esg Equity Fund Regular Growth |
| HDFC Hybrid Debt Fund - Growth | Icici Prudential Regular Savings Fund - Growth |
| HDFC Small Cap Fund-Regular-Growth | Axis Small Cap - Growth |
| ICICI Prudential Bluechip Fund-Regular-Growth | Canara Robeco Bluechip Equity Fund Regulargrowth |
| ICICI Prudential MidCap Fund - Regular Plan - Growth | Axis Mid Cap |
| ICICI Prudential Regular Savings Fund - Growth | Continue |
| IDFC Sterling Value Fund-Growth-(Regular Plan) | Axis Esg Equity Fund Regular Growth |
| IDFC Tax Advantage (ELSS) Fund-Growth-(Regular Plan) | Canara Robeco Equity Tax Saver Fund Regular Growth |
| Invesco India Contra Fund - Growth | Continue |
| Invesco India Dynamic Equity Fund - Growth | Edelweiss Balanced Advantage Fund - Growth Option |
| Invesco India Growth Opportunities Fund- Growth | Canara Robeco Emerging Equities Regular -growth |
| Kotak Balanced Advantage Fund -Regular Plan-Growth Option | Union Balanced Advantage Fund Regular Plan - Growth |
| Kotak Standard Multicap Fund-Regular-Growth | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| Mirae Asset Large Cap Fund Regular Plan Growth | Continue |
| Motilal Oswal Multicap 35 Fund - Regular Plan Growth | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| Nippon India Balanced Advantage Fund - GROWTH PLAN | Union Balanced Advantage Fund Regular Plan - Growth |
| NIPPON INDIA HYBRID BOND FUND - SEGREGATED PORTFOLIO 2 GROWTH PLAN | Icici Prudential Regular Savings Fund - Growth |
| Nippon India SMALL CAP FUND - GROWTH PLAN GROWTH OPTION | Axis Small Cap - Growth |
| Principal Emerging Bluechip Fund - Regular Plan Growth | Canara Robeco Emerging Equities Regular -growth |
| Principal Multi Cap Growth Fund(Grw)-Regular-Regular-Growth | Uti Equity Fund-growth Plan-growth |
| SBI Focused Equity Fund - Regular Plan - Growth | Continue |
| SBI Small Cap Fund-Regular-Growth | Continue |
| Anup Saxena: I am investing in the following mutual funds since 2017-2018. Should I switch or should I start investing in any other MF from now onwards?. Kindly advice | |
| ICICI Prudential Value Discovery Fund (G) 4K | Continue |
| Mirae Asset Large Cap Fund - Regular Plan (G) 5K | Continue |
| SBI Blue Chip Fund (G) 4K | Canara Robeco Bluechip Equity Fund Regulargrowth |
| UTI Mid Cap Fund (G) 2K | Continue |
| Pradeep Kulkarni: My Mutual fund portfolio is given below. I request you to advice on which funds shall be sold, retained or replaced. | |
| 1. ABSL EQUITY FUND-GROWTH | Uti Equity Fund-growth Plan-growth |
| 2.DSP TIGER----GROWTH | Axis Esg Equity Fund Regular Growth |
| 3.DSP TOP 100--GROWTH | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 4.FRANKLIN INDIA BLUE CHIP--GROWTH | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 5.FRANKLIN INDIA FOCUSSED EQUITY FUND | Mirae Asset Focused Fund - Regular Plan - Growth |
| 6. FRANKLIN INDIA TAX SHIELD | Canara Robeco Equity Tax Saver Fund Regular Growth |
| 7. HDFC BALANCED FUND | Union Balanced Advantage Fund Regular Plan - Growth |
| 8. ICICI BLUECHIP FUND | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 9. ICICI MULTI ASSET FUND | Sbi Multi Asset Allocation Fund Regular Growth |
| 10. KOTAK BLUECHIP FUND | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 11. L & T EQUITY FUND | Uti Equity Fund-growth Plan-growth |
| Yuva: I have an investment horizon of 10 - 15 years with a goal of wealth creation. I have a stable job, emergency fund for an year's expense, term & health insurance, zero debt and a surplus of 50k p.m for investment. I'm planning for a sip with Parag Parekh Long Term Equity Direct Growth, Motilal Oswal Nasdaq100 FOF Direct Growth and Mirae Asset Tax Saver Fund Direct Growth (strictly only for 80C) through a Demat based MF Distributor (Coin). Mirae Asset Emerging Bluechip is tempting, though I prefer a MF with low churn. Should I go through with this plan as it is? Your suggestions are most welcome | |
| Parag Parekh Long Term Equity Direct Growth | Continue |
| Motilal Oswal Nasdaq100 FOF Direct Growth | Continue |
| Mirae Asset Tax Saver Fund Direct Growth | Canara Robeco Equity Tax Saver Fund Regular Growth |
| Mirae Asset Emerging Bluechip | Continue |
| Sunil Sureka: I am investing Sip of Rs. 1000/- each in 5 below mentioned Fund: | |
| 1). ICICI PRU VALUE DISCOVERY FUND (G) | Continue |
| 2). L&T EMERGING BUSINESS FUND - REG (G) | Axis Small Cap - Growth |
| 3). MIRAE ASSET EMERGING BLUE CHIP REG(G) | Continue |
| 4). MOTILAL OSWAL LONG TERM EQUITY FUND REG(G) | Canara Robeco Equity Tax Saver Fund Regular Growth |
| 5). TATA BANKING AND FINANCIAL SERVICES FUND REG(G) | Axis Esg Equity Fund Regular Growth |
| Raghu Subramani: I am Raghu KS and I have investments in Below MFs. Requesting you to please advise me if I should Exit, Continue or Hold these. | |
| HDFC Hybrid Equity Fund(G) | Canara Robeco Equity Hybrid Fund Regular Growth |
| ICICI Pru All Seasons Bond Fund(G) | Continue |
| ICICI Pru Equity & Debt Fund(G) | Canara Robeco Equity Hybrid Fund Regular Growth |
| Kotak Standard Multicap Fund(G) | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| JM Multi Strategy Fund(G) | Uti Equity Fund-growth Plan-growth |
| SBI Equity Hybrid Fund-Reg(G) | Canara Robeco Equity Hybrid Fund Regular Growth |
| Nippon India Tax Saver (ELSS) Fund(G) | Canara Robeco Equity Tax Saver Fund Regular Growth |
| DSP Midcap Fund-Reg(G) | Continue |
| DSP Focus Fund-Reg(G) | Continue |
| Mirae Asset India Opportunities Fund-Reg(G) | Continue |
| Axis Long Term Equity Fund-Reg(G) | Continue |
| Sundaram Banking & PSU Debt Fund(G) | Hdfc Banking And Psu Debt Fund - Regular Growth Option |
| Abhijit Nath: I have been investing in the below funds for a while and my investment horizon is 20 years. Kindly advise, if I need to consolidate a few and which one should I do away with. | |
| Canara Robeco Emerging equities fund -4000 | Continue |
| Kotak Standard Multicap fund - 4000 | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| Mirae Asset Large cap - 5000 | Continue |
| Axis focused 25 fund- 8000 | Continue |
| Invesco India growth opp fund- 3000 | Canara Robeco Emerging Equities Regular -growth |
| Mirae Asset Focused fund - 3000 | Continue |
| Parag Parikh long term equity -3000 | 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.
MF investments for moderate risk takers
Investing in mutual funds? Read this!
Do you have too many MFs in your portfolio?
GuruSpeak: Stocks you must buy, hold, exit
These MFs can create wealth for you