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MF investments for moderate risk takers

By OMKESHWAR SINGH
September 09, 2020 09:54 IST
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'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.'

Mutual Fund

Illustration: Uttam Ghosh/Rediff.com

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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