MF investments for moderate risk takers

'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.'

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: 

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:

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:

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.

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:

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

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?

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:

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.