'I am in mutual fund investing for the last 3 years.'
'I have been investing by myself and have ended up with a very diversified portfolio.'
'I would request if you could advise to continue these investments or switch them to debt funds.'
Illustration: Dominic Xavier/Rediff.com
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
| Name of the Fund | Recommendations ( Contine / SmartSwitch) |
| Mamidela Suresh: i am a regular investor in MF through SIPs. These are the following fund I am holding. PL advise can I switch or keep it as such. | |
| UTI VALUE OPPORTUNITY FUND (G) 2Y | Continue |
| RELIANCE NIPPON INDIA FOCUSED EQUITY FUND(G) 3Y | Mirae Asset Focused Fund - Regular Plan - Growth |
| ICICI PRU MULTICAP FUND(G) 3Y | Uti Equity Fund-growth Plan-growth |
| RELIANCE NIPPON INDIA MULTICAP FUND(G) 2Y | Uti Equity Fund-growth Plan-growth |
| RELIANCE NIPPON INDIA BANKING FUND(G) 2Y | Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth Option |
| M D Kale: Pl share your opinions about following scripts & MF. Should i hold/exit or buy more | |
| Franklin India Taxshield-G | Too mANY funds for any meaningful returns --Consolidate as under 1) Large Caps -- Canara Robeco Bluechip Equity Fund Regulargrowth. 2) Multi Caps - Uti Equity Fund-growth Plan-growth 3) Large and Midcaps to Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth Option 4) Mid Caps to Dsp Midcap Fund - Regular Plan - Growth 5) Small Caps to Axis Small Cap Fund - Regular Plan Growth and rest all to Axis Esg Equity Fund Regular Growth For Tax / ELSS Canara Robeco Equity Tax Saver Fund Regular Growth |
| HDFC Equity-G | |
| HDFC Top 100-G | |
| HSBC Large Cap Equity-G | |
| ICICI Prudential Bluechip-G | |
| ICICI Prudential Value Discovery G | |
| Invesco India Tax Plan-G | |
| L&T India Value-G | |
| L&T Midcap-G | |
| Nippon India Growth-G | |
| Nippon India Vision-G | |
| SBI Bluechip-G | |
| SBI Equity Hybrid-G | |
| SBI Long Term Equity Fund-G | |
| SBI Magnum Equity ESG-G | |
| SBI Magnum MultiCap-G | |
| SBI Small Cap-G | |
| UTI Equity Reg-G | |
| Aditya Birla Sun Life Focused Equity G | |
| Aditya Birla Sun Life Frontline Equity-G | |
| Canara Robeco Emerging Equities Reg - G | |
| DSP Equity Opportunities-G | |
| DSP Midcap Reg-G | |
| Franklin India Bluechip-G | |
| Franklin India Equity-D | |
| Franklin India Focused Equity - D | |
| Franklin India Opportunities-G | |
| Franklin India Smaller companies-G | |
| Sharad Agarwal: Kindly arrange to give your Expert Advice on the Following MF Investments - Continue / Exit / Switch / Any other. I am a regular reader of your expert advice column on rediff.com | |
| 1 ADITYA BSL REG SAV ( G) | Icici Prudential Regular Savings Fund - Growth |
| 2 HDFC BALANCE ADVA RP (G) | Icici Prudential Balanced Advantage Fund - Growth |
| 3 HDFC HYBRID EQUITY RP ( G ) | Canara Robeco Equity Hybrid Fund Regular Growth |
| 4 HDFC MID - CAP OPP RP ( G ) | DSP Midcap - Growth |
| 5 L & T EMERGING BUSI RP ( G ) | Axis Small Cap - Growth |
| 6 L & T INDIA VALUE RP ( G ) | Axis Esg Equity Fund Regular Growth |
| 7 HDFC LOW DURATION ( G ) | continue |
| 8 L & T INDIA VALUE RP ( G ) | Axis Esg Equity Fund Regular Growth |
| Tushar: Kindly give your expert advice on following MF investments I have been doing for last 4 years (Monthly SIP): | |
| SBI Magnum Multicap Fund (G) | Uti Equity Fund-growth Plan-growth |
| HDFC Hybrid Equity Fund (G) | Canara Robeco Equity Hybrid Fund Regular Growth |
| Aditya Birla Sun Life Equity Fund (G) | Uti Equity Fund-growth Plan-growth |
| Kotak standard Multicap Fund (G) | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| Franklin India Smaller Companies Fund (G) | Axis Small Cap - Growth |
| ANONYMOUS: I am 36 years old. I have invested in the below mutual funds, kindly advise as I have not got the desired results and as of now its mostly no profit no loss stage: | |
| L&T Emerging Opportunities Fund-Sr.II (D) | Axis Small Cap - Growth |
| Principal Dividend Yield Dund (G) | Uti Dividend Yield Fund - Growth Option |
| IDFC Sterling Value Fund (G) | Axis Esg Equity Fund Regular Growth |
| Anonymous: Please analyse my MF portfolio | |
| B91 -Aditya Birla Sun Life Frontline Equity Fund- Dividend Regural Plan | Credit Risk Funds to be avoided (Banking and PSU, Corporate Bond and Gilt are better options in Debt), Too many funds for any meaningful returns , --Consolidate as under 1) Large Caps -- Canara Robeco Bluechip Equity Fund Regulargrowth. 2) Multi Caps - Uti Equity Fund-growth Plan-growth 3) Large and Midcaps to Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth Option 4) Mid Caps to Dsp Midcap Fund - Regular Plan - Growth 5) Small Caps to Axis Small Cap Fund - Regular Plan Growth and rest all to Axis Esg Equity Fund Regular Growth-- - For Tax / ELSS Canara Robeco Equity Tax Saver Fund Regular Growth and Hybrid - Aggressive - Canara Robeco Equity Hybrid Fund Regular Growth |
| B251D- Aditya Birla Sun Life Midcap Fund - Plan Dividend Regural Plan | |
| B249B-Aditya Birla Sun Life Equity Saving Fund- Gr. Regular | |
| B51 - Aditya Birla Sun Life Equity Fund - Growth - Requral Plan | |
| B251G Aditya Birla Sun Life Midcap Fund -PLAN - Growth | |
| D104-DSP Mid Cap Fund - Regural Plan - Growth | |
| D01 - DSP Equity and Bond Fund Regural Plan Growth | |
| HACGPG HDFC Small Cap Fund Regural Plan Growth | |
| HGFG HDFC Balanced Advantage Fund Regural Plan Growth | |
| H44- HDFC Top 100 Fund Regural Plan Growth | |
| RMFSCGPG- Reliance Small Cap Fund- Growth Plan Growth Option | |
| RMFGFGPG- Reliance Growth Fund -Growth Plan Growth Option | |
| RMFSEGPG- Reliance Value Fund- Growth Plan Growth Option | |
| RMFGDGPG- Reliance Gold Saving Fund- Growth Plan Growth Option | |
| RMFSDGPG- Reliance Credit Risk Fund Growth Plan Growth Option | |
| B249B- Aditya Birla Sun Life Equity Savings Fund- Gr. Regural | |
| B1180B- Aditya Birla Sun Life Banking and Financial Services Fund- Gr. Regural | |
| D110- DSP Tax Saver Fund - Regural Plan -Growth | |
| D01- DSP Equity and Bond Fund- Regural Plan- Growth | |
| D157- DSP Small Cap Fund -Regural Plan - Growth | |
| D104-DSP Mid Cap Fund- Regural Plan - Growth | |
| P01-ICICI Prudential Long Term Equity Fund (Tax Saving) Growth | |
| P1191-ICICI Prudential Bluechip Fund - Growth | |
| RMFSHGPG- Reliance Equity Hybrid Fund- Growth Plan Growth Option | |
| RMFEOGPG- Reliance Multi Cap Fund- Growth Plan Growth Option | |
| RMFTSGPG- Reliance Tax Saver (ELSS) Fund- Growth Plan Growth Option | |
| Sri Vidya: Saw your article in rediff website. Request you to kindly review our portfolio and suggest us accordingly.These are the funds in my account and my husband's account. | |
| Aditya Birla SL - Banking and Financial Services Fund Reg (G) | Too much funds for any meaningful returns, --Consolidate as under 1) Focused -- Mirae Asset Focused Fund - Regular Plan - Growth. 2) Multi Caps - Uti Equity Fund-growth Plan-growth 3) Large and Midcaps / Mid Caps to Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth Option 4) Hybrid - Aggressive - Canara Robeco Equity Hybrid Fund Regular Growth 5) Small Caps to Axis Small Cap Fund - Regular Plan Growth and rest all to Axis Esg Equity Fund Regular Growth -- Continue the Existing ELSS |
| Axis - Long Term Equity Fund (G) | |
| DSP - Mid cap Fund Reg (G) | |
| DSP - Small cap Fund Reg (G) | |
| Franklin - India Focused Equity Fund (G) | |
| HDFC - Small Cap Fund (G) | |
| HDFC - Tax Saver (G) | |
| ICICI Pru - Banking & Financial Services Fund Reg (G) | |
| Kotak - Standard Multicap Fund (G) | |
| IDFC - Focused Equity Fund Reg (G) | |
| Invesco - India Contra Fund (G) | |
| Kotak - Standard Multicap Fund (G) | |
| L&T - Emerging Businesses Fund (G) | |
| L&T - India Value Fund (G) | |
| L&T - Infrastructure Fund (G) | |
| Mirae - Asset Emerging Bluechip Fund Reg (G) | |
| Motilal Oswal - Multicap 35 Reg (G) | |
| Nippon India - Small Cap Fund (G) | |
| Principal - Emerging Bluechip (G) | |
| SBI - Banking & Financial Services Fund Reg (G) | |
| Tata - India Consumer Fund Reg Plan (G) | |
| HDFC - Hybrid Equity Fund (G) | |
| Devesh Sondhi: Please guide whether I should continue investing in these funds. Or you have suggestions to switch to any other funds. I am having following 8 regular SIPs in mutual funds: | |
| 1) Axis Focused 25 Fund - Gr | Continue |
| 2) DSP Midcap Fund - Reg Gr | Continue |
| 3) HDFC Small Cap Fund - Gr | Axis Small Cap - Growth |
| 4) L&T Midcap Fund - Gr | DSP Midcap Fund - Reg Gr |
| 5) Mirae Asset Emerging Bluechip Fund - Gr | Continue |
| 6) Nippon India Multi-Cap Fund - Gr | Uti Equity Fund-growth Plan-growth |
| 7) SBI Magnum MidCap Fund - Gr | Uti Equity Fund-growth Plan-growth |
| 8) SBI Small Cap Fund – Gr | Continue |
| Sanjay Kulkarni: Was referring to your advice on rediff.com and need your help. Please advise on how to go about investing the 25L and schemes with a mix of long term debt funds and also long term equity. Should I continue to contribute to my SIP's or switch for high growth MFs? | |
| a) Kotak Gold ETF - 10000 | Continue . Although SGB is better option for investments in to Gold |
| b) MIrae Asset Large Cap - 15000 | Continue |
| c) SBI - Blue Chip Fund Reg (G) - 10000 |
Axis Bluechip Fund - Regular Growth |
| d) HDFC - Mid Cap Opportunities Fund (G) - 15000 | DSP Midcap Fund - Reg Gr |
| e) Tata Digital India - 5000 | Continue |
| f) Tata India Consumer Growth - 5000 | Axis Esg Equity Fund Regular Growth |
| a) Axis Focussed 25 - 10000 | Continue |
| b) Kotak Multi-cap - 10000 | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| Abhinaya Dutta: I've been investing in the below funds for 2 years now. My questions are as follows: A. Should I remain invested in these funds; B. What should be the right time to exit and realize the profit? A time span if you can guide. | |
| Axis focused 25 fund –G: | Continue |
| Hdfc capital builder value fund - regular plan - G | Axis Esg Equity Fund Regular Growth |
| UTI equity G | Continue |
| Nippon India focused equity fund - G | Mirae Asset Focused Fund - Regular Plan - Growth |
| Tata equity PE fund regular plan - G | Continue |
| Dhruv Kaura: Hello sir, I am in mutual fund fund investing for the last 3 years. I have been investing by myself and have ended up a very diversified portfolio. While reviewing some of my investment I would to consolidate some of my funds into debt funds as i would need some funds in 3 years time. I would request if you could advise to continue these investments or switch them to debt funds | |
| DSP Focus Fund – Gr |
Continue |
| IDFC Focused Equity Fund - Regular Plan – Gr |
Mirae Asset Focused Fund - Regular Plan - Growth |
| Invesco India Dynamic Equity Fund – Gr |
Edelweiss Balanced Advantage Fund - Growth Option |
| Kotak Standard Multicap Fund – Gr |
SmartSwitch to Uti Equity Fund-growth Plan-growth |
| L&T India Value Fund – Gr |
Axis Esg Equity Fund Regular Growth |
| L&T Large and Midcap Fund – Gr |
Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth Option |
| Nippon India Focused Equity Fund – Gr |
Mirae Asset Focused Fund - Regular Plan - Growth |
| Principal Hybrid Equity Fund - Gr | Canara Robeco Equity Hybrid Fund Regular Growth |
| Bikramjit Sen: I have my monthly sips in the below funds for the past few years and have an investment horizon of 8-10 years. Keeping that in mind kindly advise on below holding. | |
| ICICI PRU Blue Chip Fund-Growth | Canara Robeco Bluechip Equity Fund Regulargrowth |
| ICICI Pru -Multi Asset Fund-Growth | Sbi Multi Asset Allocation Fund Regular Growth |
| Franklin India Focused Equity Fund-Growth | Mirae Asset Focused Fund - Regular Plan - Growth |
| Franklin India Smaller Co's Fund-Growth | Axis Small Cap - Growth |
| IDFC Core Equity Fund-Growth-Reg Plan | Canara Robeco Emerging Equities Regular -growth |
| SBI Magnum Multicap Fund- Reg Plan (G) | Uti Equity Fund-growth Plan-growth |
| Kotak Std Multicap Fund-Growth-Reg Plan | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| Tata Equity P/E Fund Reg Plan-Growth | Continue |
| L&T Midcap Fund-Growth | DSP Midcap Growth |
| UTI Mastershare Unit Scheme-Reg Growth Plan | Continue |
| DSP Equity Opportinities Fund-Reg-G | Canara Robeco Emerging Equities Regular -growth |
| Axis Long Term Equity Fund (G)-Close end | Continue |
| IDFC Hybrid Equity Fund-Reg Plan-Growth | Canara Robeco Equity Hybrid Fund Regular Growth |
| Ajay Kumar: I am investing in following mutual fund from last 1.5 to 2 years. Pl advise which SIP to be discontinued, and which MF to be switched to which MF. | |
| 1. Parag Parikh Long Term Equity Fund - Regular Plan - Growth - Equity - Diversified | Continue |
| 2. Nippon India Banking Fund - Regular Plan - Growth - Equity - Sector Fund | Axis Esg Equity Fund Regular Growth |
| 3. ICICI Prudential Banking and Financial Services - Regular Plan - Growth | Axis Esg Equity Fund Regular Growth |
| 4. ICICI Prudential Bluechip Fund - Regular Plan - Growth - Equity - Diversified | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 5. Nippon India Large Cap Fund - Regular Plan - Growth - Equity - Diversified | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 6. SBI Blue Chip Fund - Regular Plan - Growth - Equity - Diversified | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 7. HDFC Mid-Cap Opportunities Fund - Regular Plan - Growth - Equity - Diversified | DSP Midcap Growth |
| 8. Mirae Asset Large Cap Fund - Regular Plan - Growth - Equity - Diversified | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 9. Aditya Birla Sun Life Equity Fund - Regular Plan - Growth - Equity – Diversified | Uti Equity Fund-growth Plan-growth |
| Nidhi Sharma: I am 43 years old and want your guidance on MF investment. I intend to invest Rs 20000 per month.My goals are: child's(13 now) education after 5 years and creating post retirement corpus. Currently, i am investing Rs 7000 in Franklin India Prima Fund since past 3 years but it hasn't yielded any appreciable return. Also, i invested in SBI DAF XXV an amount of Rs 3,25,000 in 2017 which will mature in April 2021. I wish to re invest this amount too. | |
| Franklin India Prima Fund | DSP Midcap Growth |
| SBI DAF XXV | Edelweiss Balanced Advantage Fund - Growth Option |
| Radhakrishnan B: | I am investing in below mutual funds via SIP for more than 3 years. My main aim is wealth creation on the longer run ( 5 -7 Years).Pls advice if i can continue with the existing or switch to new funds? |
| 1.Axis Bluechip Fund - Reg ( G) -- Equity Large cap | Continue |
| 2.ICICI Pru Equity & Debt Fund ( G) -- Hybrid aggressive Hybrid Fund | Canara Robeco Equity Hybrid Fund Regular Growth |
| 3. Kotak Corporation Bond Fund ( G) -- Debt Corporate Bond Fund | Continue |
| 4. Mirrae Asset Emerging Blue Chip- Reg ( G) -- Equity-Large & Mid cap fund | Continue |
| 5.Mirrae Asset Large Cap Fund-Reg ( G) - Equity Large Cap fund | Continue |
| 6. InvescoIndia Growth Opportunities Fund ( G) | Canara Robeco Emerging Equities Regular -growth |
| 7.L&T India value fund ( G) | Axis Esg Equity Fund Regular Growth |
| 8.SBI Bluechip Fund ( G) | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 9.ICICI Pru Value discovery Fund ( G) | Continue |
| 10.Kotak Standard Multicap Fund ( G) | SmartSwitch to Uti Equity Fund-growth Plan-growth |
| 11.HDFC Top 100 Fund ( G) | Canara Robeco Bluechip Equity Fund Regulargrowth |
| 12.Parag Parikh Long term Equity fund ( G) | Continue |
| 13.Axis Blueechip fund ( G) | continue |
| R Srinivasan: I have invested in SBI long term equity fund (previously SBI Taxgain Fund) in 2007-2010. Should I continue or shift to some other fund. Tks | |
| SBI long term equity fund | Canara Robeco Equity Tax Saver Fund Regular Growth |
| Aniruddha Sen: We have a portfolio of the following MFs. Pls advise whether we should continue with the same or switch. | |
| Aditya Birla Sun Life MNC Fund Gr | Too much funds for any meaningful returns, can continue Existing Contra, Liquid funds --Consolidate as under 1) Large Caps -- Canara Robeco Bluechip Equity Fund Regulargrowth. 2) Multi Caps / Mid Cap - Uti Equity Fund-growth Plan-growth 3) Small Caps to Axis Small Cap Fund - Regular Plan 4) Focused - Mirae Asset Focused Fund - Regular Plan - Growth and in Hybrid - Arbitrage Sundaram Arbitrage Fund Regular Growth Hybrid - Aggressive- Canara Robeco Equity Hybrid Fund Regular Growth Hybrid - Balanced - Union Balanced Advantage Fund Regular Plan - Growth Hybrid - dynamic Asset - Edelweiss Balanced Advantage Fund - Growth Option |
| Axis Dynamic Equity Fund - Gr | |
| Axis Focused 25 Fund - Gr | |
| BNP Paribas Midcap Fund - Gr | |
| Canara Robeco Equity Diversified Fund - Gr | |
| DSP Small Cap Fund - Gr | |
| Franklin India Focused Equity Fund- Gr | |
| HDFC Balanced Advantage Fund Gr | |
| HDFC Equity Fund - Gr | |
| HDFC Hybrid Equity Fund - Gr | |
| HDFC Mid Cap Opportunities Fund- Gr | |
| HDFC Top 100 Fund - Gr | |
| ICICI Prudential Bluechip Fund - Gr | |
| Invesco India Contra Fund - Gr | |
| Invesco India Liquid Fund - Gr | |
| Kotak Standard Multicap Fund - Gr | |
| L&T Arbitrage Opportunities Fund - Gr | |
| Nippon India Arbitrage Fund - Div | |
| Nippon India Arbitrage Fund - Gr | |
| Nippon India Multi Cap Fund - Gr | |
| Nippon India Small Cap Fund - Gr | |
| SBI Blue Chip Fund - Gr | |
| SBI Magnum MidCap Fund - Gr | |
| SBI Magnum Multicap Fund - Gr | |
| Axis Focused 25 Fund - Gr | |
| Canara Robeco Equity Diversified Fund - Gr | |
| Invesco India Contra Fund - Gr | |
| Invesco India Liquid Fund - Gr | |
| Kotak Standard Multicap Fund - Gr | |
| L&T Arbitrage Opportunities Fund - Gr | |
| Nippon India Arbitrage Fund - Gr | |
| SBI Magnum Multicap Fund - Gr | |
| Uday Parab: Below i have mentioned my mutual funds details. Please guide me. | |
| HDFC Equity Fund - direct plan growth | Mirae Asset Focused Fund - Regular Plan - Growth |
| Mirae Asset Large Cap Fund - Regular Plan Growth | Continue |
| Icici Prudential Bluechip Fund Growth | Canara Robeco Bluechip Equity Fund Regulargrowth |
| SBI Blue chip fund G | Canara Robeco Bluechip Equity Fund Regulargrowth |
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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