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'Invest in MFs or move to FDs?'

By OMKESHWAR SINGH
October 06, 2020 09:29 IST
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'My MF returns are showing negative returns so far. Should I continue or move to bank FD for safe keeping?'

Mutual Fund

Illustration: Uttam Ghosh/Rediff.com

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.


Name of the Fund Recommendations  ( Contine / SmartSwitch)
Abhinaya Dutta: I've been investing in the below funds for 2 years now. Hold or switch?
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
P Srikrishna: I have about ₹8 lakhs invested in HDFC Balanced advantage -G fund and ₹22 lakhs invested in ICICI pru Equity and Debt-G since April’18. They are showing negative returns so far. I feel I should exit and reinvest in better funds. Please advise where I should invest. Also I have been holding 25 lakhs in short term/liquid funds in last six months. Should I continue or move to bank FD for safe keeping.
HDFC Balanced advantage -G  Union Balanced Advantage Fund Regular Plan - Growth
ICICI pru Equity and Debt-G  Canara Robeco Equity Hybrid Fund Regular Growth
Ajit Sahu: I am a regular visitor of rediff.com kindly help me with the below sips shall I continue or not
Icici prudential blue-chip  Canara Robeco Bluechip Equity Fund Regulargrowth
Mirae asset emerging blue chip  Continue
Canara Rebeco emerging equities  Continue
L&T focused equity fund Uti Equity Fund-growth Plan-growth
Dsp equity fund SmartSwitch to Uti Equity Fund-growth Plan-growth
Axis focused 25 fund Continue
Raman Mehtta: I am sending my query regarding the investments i have made in mutual funds. kindly let me know whether to continue or change the fund scheme. 
ADITYA BIRLA SUN LIFE TAX RELIEF 96 - DIVIDEND Continue
HDFC BALANCED ADVANTAGE FUND - DIVIDEND Union Balanced Advantage Fund Regular Plan - Growth
HDFC BALANCED ADVANTAGE FUND - DIVIDEND Union Balanced Advantage Fund Regular Plan - Growth
Kotak Tax Saver Fund - Regular - Dividend Canara Robeco Equity Tax Saver Fund Regular Growth
ICICI Prudential Long Term Equity Fund (Tax Saving) - Regular - Dividend Canara Robeco Equity Tax Saver Fund Regular Growth
ICICI Prudential Equity & Debt Fund - Monthly Dividend Canara Robeco Equity Hybrid Fund Regular Growth
Nippon India Tax Saver (ELSS) Fund - Dividend Canara Robeco Equity Tax Saver Fund Regular Growth
SBI Long Term Equity Fund - Dividend Canara Robeco Equity Tax Saver Fund Regular Growth
SBI MAGNUM MULTI CAP FUND - GROWTH Uti Equity Fund-growth Plan-growth
Haseeb: I am Abdul and I have SIP of HDFC Top 100 Fund-Regular plan- Dividend which is going in loss, what can I do for that? Kindly send your comments/suggestions
HDFC Top 100 Fund-Regular plan- Dividend  Canara Robeco Bluechip Equity Fund Regulargrowth
Arindam: I have invested in this fund for 2years.pls guide:
1)BNP Paribar Indconsum(G) Axis Esg Equity Fund Regular Growth
2)CanaraRob Eq Tax Sav(G) Continue
3)kotak Tax Saver(G) Continue
4)Invencolnd Tax(G) Canara Robeco Equity Tax Saver Fund Regular Growth
5)Mirae Asset Focussed(G) Continue
Ashish Gupta: I am investing through financial advisor on below funds in SIP. I communicated him all those are underrated now but he says don't bother about ratings when you are investing for long term investment. Sir Please advise whether to continue or switch to another Mutual Fund.
1. DSP Small CAp Fund Regular Plan 2000/- per month Axis Small Cap - Growth
2. HDFC Hybrid Equity Fund- Not invested yet Canara Robeco Equity Hybrid Fund Regular Growth
3. IDFC MultiCap Fund - Not invested yet Uti Equity Fund-growth Plan-growth
4.Nippon India Small Cap Fund Growth 2000/- per month Axis Small Cap - Growth
5. Nippon India Tax SAver (ELSS) 1000/- per month Canara Robeco Equity Tax Saver Fund Regular Growth
Siraj Ahmed Khan: My MF SIP portfolio is as follows: I seek your kind advice
Aditya BSL pure value (G) since Jul 2018 Axis Esg Equity Fund Regular Growth
DSP Focus (G) since July 2018 Continue
HDFC Mid-Cap Opp RP (G) since July 2018 Axis Mid Cap
Kotak BalanceAdvan (G) since Aug 2020 Union Balanced Advantage Fund Regular Plan - Growth
Kotak EquityOppo (G) since July 2018 Continue
SBI MagGlobal (G) since Nov 2013 Continue
ICICI Pru Bluechip (G) purchased in Aug 2018 Canara Robeco Bluechip Equity Fund Regulargrowth
Nippon India Multi Cap (G) purchased in Aug 2018 Uti Equity Fund-growth Plan-growth
UTI Mastershare (G) purchased in Aug 2018 Continue
Ashish Kinger: I am investing in the following funds from some time with a weekly SIP of 2000 in each fund. Please advise your views on fund selection; where to shift these funds or any other modifications required
Mirae Asset Large Cap Fund - Direct Plan  Continue
Aditya Birla Sun Life Banking And Financial Services Fund - Direct Plan Axis Esg Equity Fund Regular Growth
Tata India Consumer Fund - Direct Plan Axis Esg Equity Fund Regular Growth
SBI Blue Chip Fund - Direct Plan  Canara Robeco Bluechip Equity Fund Regulargrowth
Franklin India Feeder - Franklin U.S. Opportunities Fund - Direct Plan Continue
Nippon India Pharma Fund - Direct Plan  Continue
Axis Focused 25 Fund - Direct Plan Continue
Kotak Standard Multicap Fund - Growth SmartSwitch to Uti Equity Fund-growth Plan-growth
Rajeev Menon: I have been investing in MF SIP for last 3 years in the below mentioned funds. The return in the same is not very encouraging. Please advice: 
Aditya Birla Sunlife Frontline equity  Canara Robeco Bluechip Equity Fund Regulargrowth
ICICI Discovery Fund Continue
Reliance Nippon India Scheme Name Missing
Reliance Liquid Fund Continue
Reliance Retirement Fund Continue
Tata Consumer Fund Axis Esg Equity Fund Regular Growth
SBI Magnum  Scheme Name Missing
Guruprasad Kulkarni: I am 33 years old. I have below mutual fund portfolio with amount (per Month). All below funds are direct plan.
1. Axis Bluechip Fund:- Rs.4000  Continue
2. Axis midcap:- Rs.2000 Axis Mid Cap
3. Axis Smallcap:- Rs.2000 Continue
4. Axis Long term equity:- Rs.4000 Continue
5. Kotak multicap fund:- Rs.4000 SmartSwitch to Uti Equity Fund-growth Plan-growth
6. Motilal Oswal S& P:- Rs.4000 Continue
ABSL equity advantage fund:-Rs.4000 Canara Robeco Emerging Equities Regular -growth
ABSL equity hybrid 95 fund:- Rs.4000 Canara Robeco Equity Hybrid Fund Regular Growth
ABSL frontline equity:- Rs.4000 Canara Robeco Bluechip Equity Fund Regulargrowth
HDFC balanced advantage fund:- Rs.4000 Union Balanced Advantage Fund Regular Plan - Growth
Nippon I ndia equity hybrid fund:- Rs.2000 Canara Robeco Equity Hybrid Fund Regular Growth
Ramani Thyagarajan: I read your post in rediff.com and your analysis on Mutual fund investment was very insightful. Hence would like to solicit your guidance on the same. I have invested in the following Mutual funds since Aug’ 2017 (3 years) post my retirement, and all these funds are not yielding the desired results. Under the current pandemic scenario should I shift these funds or should hold. I do not want to exit as notional loss may result in actual loss. Kindly advice. 
ICICI Prudent Bal Fund Growth Continue
ICICI Prudent Equ & Deb Fund Monthly Dividend Canara Robeco Equity Hybrid Fund Regular Growth
Tata Equity PE fund Gwth Continue
HDFC Balance Adv Fund-Monthly Dividend Union Balanced Advantage Fund Regular Plan - Growth
HDFC Hybrid equity Gwth Canara Robeco Equity Hybrid Fund Regular Growth
ICICI Prudent Value Discovery Continue
Sundaram Mutual consumption fund Axis Esg Equity Fund Regular Growth
Amitabh Dash: Hi I have been investing in these funds for last 3 years. Kindly suggest as returns are in single digit or negative Aditya Birla Sun Life Equity Hybrid 95 Fund - Growth Aditya Birla Sun Life Equity Savings Fund - Gr Aditya Birla Sun Life Focused Equity Fund - Gr Aditya Birla Sun Life Pure Value Fund - Gr HDFC Equity Savings Fund - Gr HDFC Hybrid Equity Fund- Gr Kotak Equity Hybrid Fund-Gr L&T Equity Fund- Gr L&T Hybrid Equity Fund - Annual Div L&T Hybrid Equity Fund - Gr L&T India Value Fund - Gr L&T Midcap Fund - Gr Nippon India Small Cap Fund - Gr SBI Equity Savings Fund - Gr Motilal Oswal Nasdaq 100 Gr
Aditya Birla Sun Life Equity Hybrid 95 Fund - Growth Canara Robeco Equity Hybrid Fund Regular Growth
Aditya Birla Sun Life Equity Savings Fund - Gr  Canara Robeco Equity Hybrid Fund Regular Growth
Aditya Birla Sun Life Focused Equity Fund - Gr  Continue
Aditya Birla Sun Life Pure Value Fund - Gr  Axis Esg Equity Fund Regular Growth
HDFC Equity Savings Fund - Gr  Canara Robeco Equity Hybrid Fund Regular Growth
HDFC Hybrid Equity Fund- Gr  Canara Robeco Equity Hybrid Fund Regular Growth
Kotak Equity Hybrid Fund-Gr  Canara Robeco Equity Hybrid Fund Regular Growth
L&T Equity Fund- Gr  Uti Equity Fund-growth Plan-growth
L&T Hybrid Equity Fund - Annual Div  Canara Robeco Emerging Equities Regular -growth
L&T Hybrid Equity Fund - Gr  Canara Robeco Equity Hybrid Fund Regular Growth
L&T India Value Fund - Gr  Axis Esg Equity Fund Regular Growth
L&T Midcap Fund - Gr  Axis Mid Cap
Nippon India Small Cap Fund - Gr  Axis Small Cap - Growth
SBI Equity Savings Fund - Gr Canara Robeco Equity Hybrid Fund Regular Growth
Motilal Oswal Nasdaq 100 Gr Continue
Vara Prasad: Currently I am investing in the below funds in SIP. Please advise me whether you want me continue or switch to other fund.
HDFC Midcap opportunities fund Direct plan- Growth  Axis Mid Cap
Franklin India smaller companies fund Direct- Growth  Axis Small Cap - Growth
Axis Bluechip fund Direct Growth - 2000pm Continue
Mirae asset emerging bluechip- 1500pm Continue
ICICI Bluechip fund -1500pm Canara Robeco Bluechip Equity Fund Regulargrowth
Nicholas A. Souza: Hi I have been investing in the below Mutual funds for the last 3 years. Please advise if I need to exit or switch or continue the same:
Large CAP: Axis Bluechip Fund 2500 Continue
Large CAP: Canara Robeco Blue Chip Equity Fund -- 2000 Continue
Large and Mid: LIC MF LARGE AND MIDCAP FUND -- 2000 Canara Robeco Bluechip Equity Fund Regulargrowth
Large & Mid Cap: Mirae Asset Emerging Bluechip Fund -- 2000 Continue
Small CAP: Axis Small Cap Fund 2500 Continue
Axis Long Term Equity Fund -- 3000 Continue
ABSL Tax Relief 96 -- 2000 Continue
Tata India Tax Saving Mutual Fund -- 1500 Canara Robeco Equity Tax Saver Fund Regular Growth
(Reliance)NIPPON INDIA TAX SAVER – 2500 Canara Robeco Equity Tax Saver Fund Regular Growth
RAHUL KIRKINDE: All my SIPs are Rs. 3000/- per month. The first two- Franklin India and HDFC have been started 6 years ago whereas the last 3 are started 1 year back. Should I continue or switch off. Also would like to start another 3 SIP. Hence kindly suggest.
1. Franklin India Bluechip - Growth -  Canara Robeco Bluechip Equity Fund Regulargrowth
2. HDFC Top 100 Canara Robeco Bluechip Equity Fund Regulargrowth
3. SBI Blue Chip Fund- Regular plan- Growth Canara Robeco Bluechip Equity Fund Regulargrowth
4. Kotak Standard Multicap Fund- Growth - Regular plan SmartSwitch to Uti Equity Fund-growth Plan-growth
5. ABSL Frontline Equity Fund- Growth Canara Robeco Bluechip Equity Fund Regulargrowth
Chetankumar Jeevargi: I am 26 years old and currently I am investing 1.5L in PPF every year from last 3 years and will continue do so for atleast 20 years and Now I have started investing in the below monthly SIPs of 5K each.
Parag Parekh Long Term Equity. Continue
Axis Blue Chip. Continue
Motilal Oswal Nasadq 100 FOF. 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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