'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 Mutual Fund](//im.rediff.com/news/2020/jun/mutual-funds1-o.jpg)
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.