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MF Queries: Where you must invest in 2020

By Omkeshwar Singh
January 02, 2020 12:22 IST

Wondering if you did the right thing with your mutual fund investments?

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

 

If you want his 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 Omkeshwar will offer his unbiased views.

Mutual Fund

Here are Omkeshwar Singh's recommendations: As a general rule to investing you may continue with 4- and 5-star rated funds and the rest may be re-looked at.


Prashanth: I have been investing in the following MF for the last one year. Kindly let me have your opinion.

Name of the Fund Category RankMF Star Rating
Prashanth    
1.Tata Equity PE- 2500Rs Equity - Value Fund 4
2.HDFC Mid-Cap Opportunites-2000Rs Equity - Mid Cap Fund 3
3.L&T MidCap-2500Rs Equity - Mid Cap Fund 3
4.MiraeAssest Tax Saver Fund-1000Rs Equity - ELSS 4

Omkeshwar Singh:

Midcap: Suitable options considering quality and value for money at present levels are:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Ramanan: I need to advice on my below MF investments. Please review the below portfolio and provide your feedback.

Name of the Fund Category RankMF Star Rating
Kotak Standard Multicap Fund - Direct Plan Equity - Multi Cap Fund 4
Mirae Asset Tax Saver Fund - Direct Plan Equity - ELSS 4
Axis Long Term Equity Fund - Direct Plan Equity - ELSS 5
Axis Bluechip Fund - Direct Plan - Growth Equity - Large Cap Fund 4
Axis Focused 25 Fund - Direct Plan - Growth Equity - Focused Fund 5
Tata Banking And Financial Services Fund - Direct Plan - Growth Equity - Sectoral Fund - Banks & Financial Services 2
Mirae Asset Hybrid - Equity - Direct Plan - Growth Hybrid: Aggressive Hybrid Fund 5

Omkeshwar Singh: Please avoid Equity - Sectoral Fund - Banks & Financial Services


 Sumanta: I have been investing in the following MF since March 2018. Kindly let me have your opinion and suggestion, if any.

Name of the Fund Category RankMF Star Rating
Mirae Asset Emerging Bluechip Fund - Regular Plan Growth Option Equity - Large & Mid Cap Fund 4
Franklin India PRIMA FUND GROWTH Equity - Mid Cap Fund 2
ADITYA BIRLA SUN LIFE EQUITY FUND - GROWTH Equity - Multi Cap Fund 4
Mirae Asset India Equity Fund Growth Plan Equity – Large Cap
MOTILAL OSWAL LONG TERM EQUITY FUND - GROWTH Equity - ELSS 5
HDFC HYBRID EQUITY FUND - REGULAR PLAN - GROWTH Hybrid: Aggressive Hybrid Fund 5
Principal Hybrid Equity Fund - Regular Plan Growth Hybrid: Aggressive Hybrid Fund 4

Omkeshwar Singh:

Midcap: Suitable options considering quality and value for money at present levels are:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Colbasha: I have invested in the following mutual funds. Kindly give your suggestions, which fund I can hold and close?

Name of the Fund Category RankMF Star Rating
1.HDFC Equity Fund-Growth Equity - Multi Cap Fund 4
2.Invesco India Growth Opportunities Fund Equity - Large & Mid Cap Fund 4
3.Kotak Standard Multicap Fund - Growth Equity - Multi Cap Fund 4
3.Nippon India Small Cap fund - Growth Equity - Small Cap fund 2

Omkeshwar Singh:

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Lakshman Hariharan: Kindly advise on my MF investments which I made mainly to have regular monthly pay outs and of course with a decent capital appreciation better than bank rates. Unfortunately, I have lost to the tune of around 6.5 lakh (Net) when compared to bank rates for 2 years of my investment period so far. I have no issues to stay invested if the prospect is better. My investment was with an intention to stay invested for a minimum period of 5 years. Kindly advise.

My Investments are as follows:

Name of the Fund Category RankMF Star Rating
1)ICICI PRUDENTIAL EQUITY & DEBT FUND Hybrid: Aggressive Hybrid Fund 5
2) L&T HYBRID EQUITY FUND Hybrid: Aggressive Hybrid Fund 5
3)ABSL EQUITY HYBRID '95 FUND - DIVIDEND -PAYOUT Hybrid: Aggressive Hybrid Fund 5
4) HDFC BAL ADV FUND - REG PLAN - DIVIDEND    
Dividend Payout Hybrid-Balanced Advantage 3
Dividend Reinvestment Hybrid-Balanced Advantage 3
6)ICICI PRUDENTIAL VALUE FUND SERIES 20 DIVIDEND  Close ended  
7) DSP EQUITY & BOND FUND - REGULAR PLAN - DIVIDEND    
Dividend Payout Hybrid: Aggressive Hybrid Fund 4
Dividend Reinvestment Hybrid: Aggressive Hybrid Fund 5
8) KOTAK EQUITY HYBRID - REGULAR PLAN - DIVIDEND    
Dividend Payout Hybrid: Aggressive Hybrid Fund 3
Dividend Reinvestment Hybrid: Aggressive Hybrid Fund 3

Small Cap:

Hybrid: Aggressive Hybrid Fund:

  • Mahindra Hybrid Equity Nivesh Yojana - Growth
  • Axis Equity Hybrid Fund - Growth 

Hybrid-Balanced Advantage:

  • ICICI Prudential Balanced Advantage Fund - Growth
  • Tata Balanced Advantage Fund - Growth

Shirish Shekhar: My SIPs are as follows. What would be your advice?

Name of the Fund Category RankMF Star Rating
1. Aditya Birla sun life Small Cap:fdreg growth.  Equity - Small Cap fund 2
2. Axis mutual fund blue chip fd growth Equity - Large Cap Fund 4
3. DSP focus fund growth open ended Equity - Focused Fund 5
4. DSP Small Cap fund regular Pl growth open ended  Equity - Small Cap fund 2
5. ICICI prudential banking and financial services growth op Equity - Sectoral Fund - Banks & Financial Services 2
6. ICICI prudential blue chip fund growth Equity - Large Cap Fund 3
7. ICICI prudential value discovery fund growth open ended Equity - Value Fund 2
8. IDFC mutual large cap fund reg Pl growth open ended Equity - Large Cap Fund 3
9. Invesco contra fund growth open ended Equity - Contra Fund 4
10. Mirae asset emerging Blue chip reg growth  Equity - Large & Mid Cap Fund 4
11. Mirae asset large cap reg growth open ended Equity - Large Cap Fund 4
12. SBI Healthcare OppFD regular plan growth Equity - Sectoral Fund - Pharma & Health Care 2
13. UTI mutual core eqfdreg growth Pl  ?  

Omkeshwar Singh: Avoid Equity - Sectoral Fund - Banks & Financial Services

Equity value funds are (4-Star rated):

  • Tata Equity PE fund
  • UTI Value Opportunity Funds

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Large Cap:

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund - Growth

Large and Midcap:

  • Axis Growth Opportunities Fund - Growth
  • Tata Large And MidCap Fund - Growth

Equity - Sectoral Fund - Pharma & Health Care:

  • Mirae Asset Healthcare Fund - Growth
  • DSP Healthcare Fund - Growth

Madhavi Latha: I have been investing Rs 10000 by SIP in the following mutual funds for the last one year. Kindly give your opinion on the same.

Name of the Fund Category RankMF Star Rating
ELSS:    
1. Mirae Asset Tax Saver Equity - ELSS 4
2. Axis Long Term Equity Fund Equity - ELSS 5
Large Caps:    
1. HDFC Top 100 Fund-DP-Growth Equity - Large Cap Fund 4
2. Axis Blue Chip Fund- Direct Equity - Large Cap Fund 4
3. RELIANCE LARGE CAP FUND Equity - Large Cap Fund 3
Large Caps& Mid Caps:    
1. DSP Equity Opportunities Fund - Direct Equity - Large & Mid Cap Fund 4
2. Mirae Asset emerging blue Chip Fund Equity - Large & Mid Cap Fund 4
Multi Caps:    
1. Axis 25 Foucased Fund Equity - Focused Fund 5
2. SBI Magnum Multicap Fund-Dir G Equity - Multi Cap Fund 4
3. ABSL Equity Fund - Growth-DIRECT    
Mid Caps:    
1. ICICI MidCap Fund Plan -Direct Equity - Mid Cap Fund 2
2. L&T midcap fund Equity - Mid Cap Fund 3
Small Cap:    
1. SBI Small Cap fund Dir Growth Equity - Small Cap fund 2

Omkeshwar Singh: 

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Large Cap:

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund – Growth

Midcap:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Samir Chanda: Kindly let me know needful to HOLD or REDEEM as follows.

Name of the Fund Category RankMF Star Rating
1) Nippon India Small Cap fund- Regular Growth Equity - Small Cap fund 2
2) HDFC Balance Advantage fund- Regular Dividend Hybrid-Balanced Advantage 4

Omkeshwar Singh:

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Hybrid-Balanced Advantage:

  • ICICI Prudential Balanced Advantage Fund – Growth
  • Tata Balanced Advantage Fund - Growth

Lohith R: I started earning six months before, have saved 50k. Now I am ready to invest around 5k per month and also ready to take risk. Thought of investing in share through Zerodha but felt it’s too risky not fit for low level investments. Now thinking to invest in mutual funds for sure (through paytm money). I can surely invest 5k per month. I am looking for good returns (better than fixed deposit) after two years since I want to quit my job and work on my passion after 2 year from now. Read about you on Rediff article. Please guide me.

Omkeshwar Singh:

You may start SIPs or SIP (Basket) in these funds:

  • Motilal 35 Multicap
  • Axis Focused 25
  • Motilal Midcap 30
  • Kotak Small Cap

Devaraj Krishnasamy: I have listed the mutual fund invested since 1 year. Please advise which mutual fund is advisable to exit for the next year 2020

Name of the Fund Category RankMF Star Rating
1. IDFC Government Securities Fund Constant Maturity Direct-Growth 5 Debt - Gilt Fund with 10 year constant duration 5
2. Kotak Banking and PSU Debt Fund Direct-Growth 5 4 4  Debt - Banking and PSU Fund 4
3. SBI Magnum Constant Maturity Fund Direct-Growth 5 Debt - Gilt Fund with 10 year constant duration 5
4. Mirae Asset Large Cap Fund Direct-Growth 5 5 4  Equity - Large Cap Fund 4
5. Sundaram Select Focus Fund Direct-Growth - 4 4  Equity - Focused Fund 4
6. Axis Bluechip Fund Direct Plan-Growth 5 5 5  Equity - Large Cap Fund 4
7. Aditya Birla Sun Life Frontline Equity Direct Fund - Growth 3 3 2  Equity - Large Cap Fund 4
8. MotilalOswal Nifty 500 Fund Direct-Growth-  Index Funds - Other 4
9. Franklin India Savings Fund Direct-Growth 5 4 4  Debt - Money Market Fund 5
10. Kotak Standard Multicap Fund Direct-Growth 5 4 5  Equity - Multi Cap Fund 4
11. SBI Bluechip Direct Plan-Growth 4 4 3  Equity - Large Cap Fund 4
12. Invesco India Contra Fund Direct-Growth - 5 4  Equity - Contra Fund 4
13. Axis Midcap Direct Plan-Growth Equity - Mid Cap Fund 4
14. ICICI Prudential Bluechip Fund Direct-Growth 4 4 3  Equity - Large Cap Fund 3
15. MotilalOswalMulticap 35 Fund Direct-Growth 4 4 3  Equity - Multi Cap Fund 5
16. SBI Small Cap fund Direct-Growth 5 5 4  Equity - Small Cap fund 2
17. Nippon India Small Cap fund Direct-Growth 4 4 3  Equity - Small Cap fund 2
18. DSP Midcap Direct Plan-Growth 5 4 4  Equity - Mid Cap Fund 4
19. CanaraRobeco Emerging Equities Fund Direct-Growth 5 4 3  Equity - Large & Mid Cap Fund 4
20. Mirae Asset Emerging Bluechip Fund Direct-Growth 5 5 5  Equity - Large & Mid Cap Fund 4
21. Kotak Emerging Equity Fund Direct-Growth 5 5 4  Equity - Mid Cap Fund 4
22. HDFC Small Cap fund Direct-Growth 4 4 4  Equity - Small Cap fund 2
23. L&T Emerging Businesses Fund Direct-Growth 4 4 3  Equity - Small Cap fund 2
24. L&T Midcap Fund Direct-Growth 5 4 3  Equity - Mid Cap Fund 3
25. Franklin India Smaller Companies Direct Fund - Growth Equity - Small Cap fund 2

Omkeshwar Singh:

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Large Cap:

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund – Growth

Vidushi Khatri: I have just got my first job and have been recommended the following portfolio by my senior at work. I have no knowledge about mutual funds and have started my investments from August 2019? Please suggest if it is appropriate? 

Ongoing SIPs:

Name of the Fund Category RankMF Star Rating
Axis long term equity fund- 5000 Equity - ELSS 5
DSP Tax Saver Fund – 2000 Equity - ELSS 4
Mirae asset tax saver fund- 3000 Equity - ELSS 4
Mirae Asset Hybrid Equity Fund- 2500 Hybrid: Aggressive Hybrid Fund 5
Axis bluechip fund - 2500 Equity - Large Cap Fund 4

Goals:

  • Marriage in 2 years; required amount: 4 lakh 
  • Future goal in 5 years; required amount: 15 lakh
  • Retirement in 25 years; required amount: 1 crore

Risk Appetite: Moderate

Omkeshwar Singh: Please continue; your funds selection is appropriate as you have invested in decent funds.


Sarah Thomas: So I'm a 29-year old investor with a moderate risk appetite.

I have the following goals:

  • Immediate Goal: 2 lakh
  • Time: 2.5 years
  • Future: 25 lakh; Time: 5 years 

I have been investing for the past one year since April 2018 in the following mutual funds was recommended by my friend. The current invested value for the following four mutual funds: 

Current value:

1. Edelweiss MidCap Fund - 30k

2. SBI Equity Hybrid Fund - 30k

3. IDFC tax saver fund - 30k

4. Aditya Birla Tax Relief 96 - 1 lakh

Name of the Fund Category RankMF Star Rating
1. Edelweiss MidCap Fund -30k Equity - Mid Cap Fund 2
2. SBI Equity Hybrid Fund -30k Hybrid: Aggressive Hybrid Fund 5
3. IDFC tax saver fund - 30k Equity - ELSS 2
4. Aditya Birla Tax Relief 96 - 1 lakh Equity - ELSS 4

Omkeshwar Singh:

ELSS: Motilal Oswal Long Term Equity Fund 

Midcap:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Sambit Rout: I have invested the following MF SIPs. Please advice if any changes are required. I am doing monthly investments of about 30k. I can increase it to 5k over next 6-8 months. Below is my monthly investment break-up:

Name of the Fund Category RankMF Star Rating
1500 Axis midcap direct plan growth Equity - Mid Cap Fund 4
1500 Invesco India midcap fund direct growth Equity - Mid Cap Fund 3
1500 Axis Small CapFund Equity - Small Cap fund 4
1500 SBI Small Cap fund direct growth Equity - Small Cap fund 2
3000 Tata Retirement savings find progressive plan Solution Oriented - Retirement Fund 3
3000 Mirae Asset hybrid Equity Fund direct growth Hybrid: Aggressive Hybrid Fund 5
3000 Nippon India Liquid Fund  Debt - Liquid Fund 5
2500 SBI Magnum medium duration fund direct Debt - Medium Duration Fund 3
2500 Tata Digital India Fund Direct Growth Equity - Thematic Fund - Other 5
500 ICICI Prudential FMCG direct growth Equity - Sectoral Fund - FMCG 5
500 Tata India Consumer Fund Direct Growth Equity - Sectoral Fund - FMCG 3
1000 Aditya Birla Sun Life India Gen Next Direct Equity - Thematic Fund - Other 4
500 HDFC gold direct plan growth FoFs (Domestic / Overseas ) - Gold 1
3000 Nippon India US equity opportunities fund direct growth Equity - Thematic Fund - Global 4
1000 Edelweiss Greater China Equity Offshore Fund FoFs (Overseas)
500 Axis Bank long term ELSS Equity - ELSS 5

Omkeshwar Singh: Avoid FoFs (Domestic / Overseas ) - Gold

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

FoFs (overseas): Kotak Global Emerging Market Fund Growth

Midcap:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Sidharth Kasba: Planning to start SIP in mutual funds. I don’t know how to start with as there are loads of options in the market. I’m looking long term investment and good returns.

Omkeshwar Singh: You may start SIPs or SIP (Basket) in these funds:

  • Motilal 35 Multicap
  • Axis Focused 25
  • Motilal Midcap 30
  • Kotak Small Cap

Vaibhav Ingle: Sir please suggest me if my investment can make good money.

Name of the Fund Category RankMF Star Rating
MiraeAssets Emerging Blue Chip Regular Growth Direct Plan Equity - Large & Mid Cap Fund 4
SBI Magnum MulticapRegular Growth Equity - Multi Cap Fund 4
SBI Blue Chip Fund Equity - Large Cap Fund 4

Omkeshwar Singh: All are decent funds you may continue. You may also consider these:

Large Cap:

  • LIC MF Large Cap Fund – Growth
  • Mirae Asset Large Cap Fund – Growth

Large and Midcap:

  • LIC MF Large Cap Fund - Growth
  • Tata Large And MidCap Fund - Growth

Multicaps: Suitable options considering quality and value for money are:

  • Motilal Oswal Multicap 35
  • Axis Multicap
  • Parag Parikh Long Term Equity Fund

Rohit Khanna: From last three years I am investing Rs 3000 per month in SBI blue chip fund and from last one year Rs 4000 per month in tata regular growth plan fund Should I continue in it? I am 25-yr old and I have 60k per month income.

Name of the Fund Category RankMF Star Rating
SBI blue chip fund Equity - Large Cap Fund 4
tata regular growth plan ?  

Omkeshwar Singh:

Large Cap:

  • LIC MF Large Cap Fund – Growth
  • Mirae Asset Large Cap Fund - Growth

Naveen Jain: I have been investing in the following mutual funds through the SIP route for the last 7 years. Please suggest further course of action.

Name of the Fund Category RankMF Star Rating
1.DSP Mid cap fund – regular plan – growth Equity - Mid Cap Fund 4
2. Templeton india value fund – growth Equity - Value Fund 2
3. Aditya Birla sunlife MNC fund – growth regular plan Equity - Thematic Fund - MNC 4
4. HDFC equity fund – regular plan – growth Equity - Multi Cap Fund 4
5. Reliance growth fund – growth plan – growth option Equity - Mid Cap Fund 2
6. HDFC balanced adv. Fund Hybrid-Balanced Advantage 4
7. Franklin build India fund Equity - Sectoral Fund - Infrastructure 2
8. Birla Sunlife mutual fund ?  
9. UTI children career balance plan – Growth (Not in RankMF)  

Omkeshwar Singh: Avoid Equity - Sectoral Fund – Infrastructure

Midcap:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Equity Value Funds:

  • Tata Equity PE fund
  • UTI Value Opportunity Funds

Dipesh Sapkal: I want to start SIP for minimum 5-7 years and with the total 10000 per month. I have short listed following funds to choose from. Can you please suggest the fund wise percentage allocation and amount for each fund according to you?

Name of the Fund Category RankMF Star Rating
ICICI Prudential Bluechip Fund Equity - Large Cap Fund 3
Mirae Asset Emerging BlueChip Fund Equity - Large & Mid Cap Fund 4
MotilalOswalMulticap 35 Fund  Equity - Multi Cap Fund 5
Kotak Standard Multicap Fund  Equity - Multi Cap Fund 4
Axis Multicap Fund Equity - Multi Cap Fund 5
SBI Small Cap fund Equity - Small Cap fund 2
Mirae Asset Large Cap Fund– 3000 Equity - Large Cap Fund 4
Mirae Asset Emerging BlueChip Fund– 3000 Equity - Large & Mid Cap Fund 4
Axis Multicap Fund– 2000 Equity - Multi Cap Fund 5
SBI Small Cap fund- 2000 Equity - Small Cap fund 2

Omkeshwar Singh:

Large Cap:

  • LIC MF Large Cap Fund – Growth
  • Mirae Asset Large Cap Fund - Growth

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Varun Singh: Is Motilal Oswal NASDAQ 100 ETF ok for monthly SIPs for 25 years. Which company's mutual fund is good for long term investment like for pension plan? Please help.

Name of the Fund Category RankMF Star Rating
MotilalOswal NASDAQ 100 ETF FoFs (Overseas) 4

Omkeshwar Singh: You may continue the investment.


Nandakumar Nair: I have the following mutual funds:

Shall I continue the same funds or switch for better returns; the returns are poor as of now. Please advise.

Name of the Fund Category RankMF Star Rating
1.Aditya Birla tax relief fun 96 - 5k (Aug 2017) Equity - ELSS 4
2.HDFC Mid cap opportunity ee fund -5k(Aug 2017) Equity - Mid Cap Fund 3
3.SBI Blue chip fund - 4k (Oct 2017) Equity - Large Cap Fund 4
4.TAta enquiry P/ E fUnd -4k (Oct 2017) Equity - Value Fund 4
5.Franklin india smaller fund 4k (Oct 2017) Equity - Small Cap fund 2
6.Kotak 50 fund-5k (Oct 2017) Equity – Large Cap  4
7.Reliance top 200 fund-5k (Oct 2017) Equity – Large Cap

Omkeshwar Singh:

Large Cap:

  • LIC MF Large Cap Fund – Growth
  • Mirae Asset Large Cap Fund - Growth

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Midcap:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Okesh Kaushik: Please help me to guide on my investment into below funds. I am investing into these funds since last about two years. Out of these 14 funds, in 8 funds I am investing through monthly SIPs since last 2 years, rest having lump sum investments. 

Name of the Fund Category RankMF Star Rating
1. DSP Small Cap fund SIP Equity - Small Cap fund 2
2. Essel multi cap fund  Equity - Multi Cap Fund 3
3. Hdfc retirement saving fund SIP    
Equity Plan Solution Oriented - Retirement Fund 2
Hybrid Equity Plan Solution Oriented - Retirement Fund 2
Hybrid Debt Plan Solution Oriented - Retirement Fund 3
4. HDFC Small Cap fund  Equity - Small Cap fund 2
5. Investco India Contra fund  Equity - Contra Fund 4
6. Investco India Small Cap fund SIP Equity - Small Cap fund 2
7. L&T Emerging business fund SIP Equity - Small Cap fund 2
8. L&T focused equity fund  Equity - Focused Fund 4
9. Nippon india Small Cap fund SIP Equity - Small Cap fund 2
10. SBI Small Cap fund SIP Equity - Small Cap fund 2
11. Tata India consumer fund  Equity - Sectoral Fund - FMCG 3
12. Tata multicap fund SIP Equity - Multi Cap Fund 4
13. Tata Small Cap fund SIP Equity - Small Cap fund 2
14. Tata focused equity fund  Equity - Focused Fund 1

Omkeshwar Singh:

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Focused:

  • Axis Focused 25
  • DSP Focused Fund

Solution Oriented - Retirement Fund

  • Aditya Birla Sun Life Retirement Fund - The 50s Plan Growth 
  • ICICI Prudential Retirement Fund Pure Debt Plan Growth

Multicaps: Suitable options considering quality and value for money are:

  • Motilal Oswal Multicap 35
  • Axis Multicap
  • Parag Parikh Long Term Equity Fund

Saptarshi Das: I have been investing in below 3 funds from last 2 years. I am a moderate risk taker and have investment plan for 25 years. My salary is not attracting TDS from current FY. Am I investing in correct funds? I have plans to start another SIP from next year in Mirae asset emerging bluchip of Rs. 2000. Shall I take top-up option with current funds or should start a new fund? Please guide.

Name of the Fund Category RankMF Star Rating
Mirae asset emerging bluchip Equity - Large & Mid Cap Fund 4
1) Kotak standard multicap fund - Rs. 4000 SIP Equity - Multi Cap Fund 4
3) Mirae asset large cap fund - Rs. 50000 Lumpsum. Equity - Large Cap Fund 4

Omkeshwar Singh: You may continue with the investment.

Large Cap: LIC MF Large Cap Fund – Growth 

Multicaps:

  • Motilal Oswal Multicap 35
  • Axis Multicap

Equity - Large & Mid Cap Funds:

  • Axis Growth Opportunities Fund
  • Tata Large & Midcap fund

Mandar Salunkhe: I just got notification from Rediff Get Ahead regarding mutual fund queries. So, my question is: 

If I have some amount which I want to park for 15-20 days & after that period withdrawn it. What would be the best fund in that case? Actually, my salary is deposit on 15th of every month & house rent I'm paying on 4th of every month. Please suggest.

Omkeshwar Singh: You may park funds in liquid funds if the withdrawal is above 7 days. 

Liquid funds:

  • Mahindra Liquid Fund - Regular – Growth
  • Aditya Birla Sun Life Liquid Fund – Growth
  • Franklin India Liquid Fund - Super Institutional Plan-growth

Sandeep: I have following mutual funds in my portfolio. Please let me know if I should continue with these schemes or sell them and buy other funds. 

Name of the Fund Category RankMF Star Rating
1. Franklin India Focused Equity Fund Growth Equity - Focused Fund 2
2. ICICI prudential blue chip fund Growth Equity - Large Cap Fund 3
3. L&T emerging businesses fund Regular plan Growth Equity - Small Cap fund 2
4. Axis Long term equity fund Growth Equity - ELSS 5
5. Tata Equity PE Fund Growth Equity - Value Fund 4
6. Tata Hybrid Equity fund Monthly Dividend    
Monthly Dividend Payout Hybrid: Aggressive Hybrid Fund 3
Monthly Dividend Reinvestment Hybrid: Aggressive Hybrid Fund 4
7. ICICI prudential regular savings Growth  Hybrid - Conservative Hybrid Fund 4
8. ICICI prudential multi asset fund Growth  Hybrid - Multi Asset Allocation 4

Omkeshwar Singh:

Small Cap:

  • Kotak Small Cap
  • Axis Small Cap

Focused:

  • Axis Focused 25
  • DSP Focused Fund

Hybrid: Aggressive Hybrid Fund

  • Mahindra Hybrid Equity Nivesh Yojana – Growth
  • Axis Equity Hybrid Fund - Growth 

Parthu Venapusa: From past 7 months I have been investing Rs 41,000 monthly in the below funds. Please let me know if my choices are good (especially L&T mid cap; is it good to continue on it since it was not doing well) or I need to make any changes in above funds if I keep on investing for more than 7 years and I can take risk as well. Thanks in advance for your assistance.

Name of the Fund Category RankMF Star Rating
1. Mirae asset large cap - 4000 Equity - Large Cap Fund 4
2. Axis blue Chip - 4000 Equity - Large Cap Fund 4
3. Mirae asset large & mid cap - 4000 Equity - Large Cap Fund  4
4. MotilalOswalmulticap - 4000 Equity - Multi Cap Fund 5
5. Kotak standard multicap - 3000 Equity - Multi Cap Fund 4
6. Axis Focused 25 - 3000 Equity - Focused Fund 5
7. L&T mid cap - 3000 Equity - Mid Cap Fund 3
8. Kotak emerging mid cap - 3000 Equity - Mid Cap Fund 4
9. SBI Small Cap:- 4000 Equity - Small Cap fund 2
10. Axis long term (ELSS) - 3000 Equity - ELSS 5
11. Mirae asset tax saver (ELSS) - 3000 Equity - ELSS 4
12. MotilalOswal Tax saver (ELSS)- 2000 Equity - ELSS  5
13. Tata digital fund - 1000 Equity - Thematic Fund - Other 5

Omkeshwar Singh:

Midcaps:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Large Caps: 

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund - Growth 

Rudra Sil: I have been investing in Uti Hybrid equity growth fund in last 2 years and 9 months. Please give me advice about exit timing for this investment.

Name of the Fund Category RankMF Star Rating
Uti Hybrid equitygrowth Hybrid: Aggressive Hybrid Fund 4

Omkeshwar Singh: You may continue with the investment.

Hybrid: Aggressive Hybrid Fund

  • Mahindra Hybrid Equity Nivesh Yojana – Growth
  • Axis Equity Hybrid Fund - Growth

Nickey Sawan Rai: I am new investor in mutual fund and would like to know is it right time buy any mutual fund as sensex is all time high and economy is far below or wait till new budget. My preferable choices are Axis Large Cap and Parag Parikh Multicap and investment amount is Rs 60,000. Kindly advise.

Name of the Fund Category RankMF Star Rating
Axis Large Cap Equity - Large Cap Fund
Parag Parikh Multi-cap Equity - Multi Cap Fund  5

Omkeshwar Singh: Both are excellent quality schemes, however, the margin of safety i.e. the value for money is more in Parag Parikh Multicap


Shiladitya Mukherjee: I have investments in the following MFs. Are they okay?

Name of the Fund Category RankMF Star Rating
1. Axis Childerns Gift Fund (Not in RankMF)  
2. DSP Blackrock MicroCap Fund Equity - Small Cap fund 2
3. Reliance Nippon India Equity Hybrid Fund - Growth plan Hybrid: Aggressive Hybrid Fund 3
4. Reliance Top 200 Fund(Large Cap) Equity - Large Cap Fund 3
5. ICICI Pru Top 100 Fund Equity - Large Cap Fund
6.Reliance Nippon Multicap Growth Equity - Multi Cap Fund 2
7.ICICI Pru Midcap Fund Equity - Mid Cap Fund 2
8.Reliance Small Cap fund Equity - Small Cap fund 2
9.Reliance Arbitrage Fund - Growth Hybrid - Arbitrage Fund 3
10.IIFL Capital Enhancer Fund - Series 1 - Regular - Growth Close ended  
11. HDFC Equity Fund - Regular Plan – Growth Equity - Multi Cap Fund 4

Omkeshwar Singh:

Midcaps:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Large Caps: 

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund - Growth 

Multicaps:

  • Motilal Oswal Multicap 35
  • Axis Multicap
  • Parag Parikh Long Term Equity Fund

Hybrid: Aggressive Hybrid Fund

  • Mahindra Hybrid Equity Nivesh Yojana – Growth
  • Axis Equity Hybrid Fund - Growth

Hybrid - Arbitrage Fund:

  • PGIM India Arbitrage Fund - Growth – Growth
  • BOI Axa Arbitrage Fund- Regular Plan – Growth

Pallavi Chauhan: I have started investing in mutual fund through SIP in following funds. Please suggest me which more fund in category like multicap, largecap n smallcap. I can add to my portfolio.

Name of the Fund Category RankMF Star Rating
Axis long term equity fund - Growth Equity - ELSS 5
Nippon India Gilt securities fund - Growth Debt - Gilt Fund 5
Nippon India Liquid fund direct – Growth Debt - Liquid Fund 5

Omkeshwar Singh: You may add these funds:

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Large Caps: 

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund - Growth 

Mangesh: Looking at market situations I am little worried of the MFs which I am holding will give the good returns in future or not. Kindly give your expert opinion, if any switchover is to be required to be done at this point of time. My MF holdings are :

Name of the Fund Category RankMF Star Rating
Aditya Birla SunLife Equity Fund -Growth-RegularPlan Equity - Multi Cap Fund 4
Aditya Birla SunLife Equity Hybrid'95 Fund - Growth-Regular Plan Hybrid: Aggressive Hybrid Fund 5
Aditya Birla SunLife Frontline EquityFund -Growth-Regular Plan Equity - Large Cap Fund 4
DSP Mid Cap Fund- Regular Plan -Growth Equity - Mid Cap Fund 4
ICICI PrudentialLarge & Mid CapFund - Growth Equity - Large & Mid Cap Fund 3
ICICI PrudentialMidCap Fund -Growth Equity - Mid Cap Fund 2
NIPPON INDIABANKING FUND -GROWTH PLANGROWTH OPTION Equity - Sectoral Fund - Banks & Financial Services 2
NIPPON INDIALARGE CAP FUND- GROWTH PLANGROWTH OPTION Equity - Large Cap Fund 4
NIPPON INDIAPHARMA FUND -GROWTH PLAN Equity - Sectoral Fund - Pharma & Health Care 3
NIPPON INDIAULTRA SHORTDURATION FUND -GROWTH OPTION Debt - Ultra Short Duration Fund 5
SBI InfrastructureFund - Regular Plan- Growth Equity - Sectoral Fund - Infrastructure 3

Omkeshwar Singh: Avoid Equity - Sectoral Fund - Banks & Financial Services

Large and Midcap:

  • Axis Growth Opportunities Fund - Growth
  • Tata Large And MidCap Fund - Growth

Midcaps:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Sandeep Bhery: I am 35 years old. I have been investing in the following mutual funds via SIP since 2015. My current SIP amounts in these funds are approx 55,000 PM. I want your guidance and review on my mutual fund portfolio whether I can still continue in the scheme or shift to some other scheme? Please suggest good funds in case I need to revisit or modify my portfolio accordingly.

Name of the Fund Category RankMF Star Rating
1.Aditya Birla Sun Life Equity Advantage Fund - Gr Equity - Large & Mid Cap Fund 4
2.Aditya Birla Sun Life Tax Relief 96 Fund - Gr Equity - ELSS 4
3. Axis Focused 25 Fund - Gr Equity - Focused Fund 5
4.Axis Long Term Equity Fund - Gr Equity - ELSS 5
5.Axis MidCap Fund - Gr Equity - Mid Cap Fund 4
6.Axis Small CapFund - Gr Equity - Small Cap fund 4
7.CanaraRobeco Equity Diversified Fund - Gr Equity - Multi Cap Fund 4
8.DSP Equity Opportunities Fund - Gr Equity - Large & Mid Cap Fund 4
9.Invesco India Contra Fund - Gr Equity - Contra Fund 4
10.Invesco India Tax Plan - Gr Equity - ELSS 4
11.Kotak Emerging Equity Fund - Gr Equity - Mid Cap Fund 4
12.KotakSmallcap Fund - Gr Equity - Small Cap fund 4
13.Kotak Standard Multicap Fund - Gr Equity - Multi Cap Fund 4
14.Kotak Tax Saver - Gr Equity - ELSS 4
15.L&T Emerging Businesses Fund - Gr Equity - Small Cap fund 2
16.L&T India Value Fund - Gr Equity - Value Fund 3
17.L&T Midcap Fund - Gr Equity - Mid Cap Fund 3
18.Mirae Asset Emerging Bluechip Fund - Gr Equity - Large & Mid Cap Fund 4
19.Mirae Asset Midcap Fund - Gr Equity - Mid Cap Fund 4
2.0 MotilalOswal Dynamic Fund - Gr Hybrid - Dynamic Asset Allocation 5
21.MotilalOswal Long Term Equity Fund - Gr Equity - ELSS 4
22.MotilalOswal Midcap 30 Fund - Gr Equity - Mid Cap Fund 5
23.MotilalOswalMulticap 35 Fund - Gr Equity - Multi Cap Fund 5
24.Nippon India Capital Builder Fund IV - Series C - Gr (Not in RankMF)  
25. SBI Magnum Multicap Fund – Gr Equity - Multi Cap Fund 4

Omkeshwar Singh: Decent funds selection, you may have better options in Small Cap, Value and Midcap

Midcaps:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Equity Value Funds:

  • Tata Equity PE fund
  • UTI Value Opportunity Funds

Umesh Kumar: I read your Rediff and cdn.ampproject articles. I am impressed with your recommendations and would like to get some of my below queries to addressed. I highly appreciate your help on this matter. Thank you in advance. 

I have invested in the below mutual funds. I have started in 2017 and planning till 2027. My risk appetite is moderate and willing to create corpus of 1 crore till 2027 or even I can wait till 2032. How much should I invest?

Currently, investing 32,000 per month. However I would like to increase my SIP amount but I am confused in which scheme should I top up/step up/increase the SIP and any funds to discontinue.

1. Could you please let me know my fund selection below is good? Like asset allocation and other details pls?

2. In which scheme do I need to increase my SIP?

3. Any other scheme would you like me to add or discontinue

Looking forward to hear from you. Many thanks in advance.

Name of the Fund Category RankMF Star Rating
Axis Long Term Equity Fund - Direct Growth/Direct Equity - ELSS 5
 DSP Blackrock Focus Fund - Direct Plan - Growth Equity - Focused Fund 5
Aditya Birla Sun Life Frontline Equity -Direct Plan - Growth Equity - Large Cap Fund 4
Mirae Asset Emerging Bluechip Fund- Direct Plan - Growth Equity - Large & Mid Cap Fund 4
Franklin India smaller companies fund- Direct Plan - Growth Equity - Small Cap fund 2
L&T India Value Fund- Direct Plan - Growth Equity - Value Fund 3
Principal Emerging Bluechip Fund-Direct Plan - Growth Equity - Large & Mid Cap Fund 4
HDFC Balance Fund-Direct Plan - Growth Hybrid-Balanced Advantage 4
Franklin India Savings Plus Fund Retail Option - Direct - Growth Debt - Money Market Fund 5

Omkeshwar Singh: Small Cap and Value funds can be re-looked, rest seems fine.

Equity Value Funds:

  • Tata Equity PE fund
  • UTI Value Opportunity Funds

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

B Elumalai: I have been investing in monthly Aviva ULIP for past 10 years @Rs.2500. I paid premium as 3,05,000 and value of fund is same as 3,06,000. I complained to Aviva and their answer is not convincing. Please suggest whether to close and still to wait.

Omkeshwar Singh: Investment via Insurance is never advisable, use insurance for protection only via term plans and the investments can be done via mutual funds.


V Sahasranaman: I am a senior citizen 62 retired with no pension. The following are my mutual fund investments:

Name of the Fund Category RankMF Star Rating
1. Hdfc top 100 growth  Equity - Large Cap Fund 4
2. Icici balanced advantage growth Hybrid-Balanced Advantage 5
3. Icici blue chip fund growth  Equity - Large Cap Fund 3

The total amount in icici is 14.79 (lakh) and hdfc is 8.70 (lakh).

I have invested one and a half year back for long term basis. My aim is to grow my investment to 40 (lakh) in six years. Please advise.

Omkeshwar Singh: 

Large Caps: 

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund - Growth 

Sir, Need further details, request kindly get in touch with qualified financial advisor for better planning.


Punit Sheth: Sir I have invested following mutual fund please guide. Monthly SIPs of the schemes

Name of the Fund Category RankMF Star Rating
HDFC top 100: 2000 Equity - Large Cap Fund 4
Axis muticap: 2300 Equity - Multi Cap Fund 5
Moslmurticap 35: 2300 Equity - Multi Cap Fund 5
icici small cap: 1000 Equity - Small Cap fund 1

Omkeshwar Singh: 

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Midcaps:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

R Sanjay: Kindly advise on Best Debt funds to invest in lumpsum of Rs 2 Lakh each among all categories for capital preservation & Growth at modest 8% per annum, ie. Corporate Bond funds, Dynamic Bond funds, liquid funds, short, medium, long duration debt,Overnight, money market, ultra short term plans etc. What are your views on following equity MFs?? 1) Principal Small Cap fund 2) Nippon Small Cap fund?

Which Debt Funds have large exposure to Debts of VodafoneIdea & Yes Bank & should be avoided for investment ??

Thanking you in anticipation. 

Name of the Fund Category RankMF Star Rating
Principal Small Cap fund Equity - Small Cap fund 2
Nippon Small Cap fund Equity - Small Cap fund 2

Omkeshwar Singh: 

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Rajul Raturi:

Plz tell me about my Mutual fund,Sir, I have Aditya Birla Sun Life Midcap Fund -Regular Plan-Growth Since 2010 and I have BSL Frontline equity fund .
 

Sir, Plz tell me my fund is good or bad,or I will switch to another fund and suggest another good mutual fund to invest.

Name of the Fund Category RankMF Star Rating
Aditya Birla Sun Life Midcap Fund -Regular Plan Equity - Mid Cap Fund 2
ABSL Frontline equity fund Equity - Large Cap Fund 4

Omkeshwar Singh: 

Large Caps: 

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund - Growth 

Midcaps:

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Lakashey Pajnee: Kindly suggest Mutual Funds for Year 2020.

Omkeshwar Singh: 

  • Motilal 35 Multicap
  • Axis Focused 25
  • Motilal Midcap 30
  • Kotak Small Cap

Gopalkrishna: My mutual funds portfolio as below please suggest.

Name of the Fund Category RankMF Star Rating
1. DSP tax saver fund (G) Equity - ELSS 4
2. DSP Equal nifty 50 fund (G) Index Funds - Nifty 3
3. Aditya Birla sun life Tax relief 96 (G) Equity - ELSS 4
4. Mirae Asset Emerging bluechip fund (G) Equity - Large & Mid Cap Fund 4
5. DSP Mid cap fund (G) Equity - Mid Cap Fund 4

Omkeshwar Singh: You may continue with your investment.


Manoj Yamgekar: I have invested the following mutual funds in the year 2018. Would like to have your opinion whether I can still continue in the scheme or shift to some other scheme? I have the following ongoing SIPS. My age is 40. Or else suggest the best mutual funds. Kindly advise on same

Summary as on 30 Nov 2019:

1} SBI BLUE CHIP FUND -Direct Plan-Growth ( oct 2015 )

Investment Amount- Rs 135,842

Market Value- Rs 145,525

2) Aditya Birla Sun Life Frontline Equity Fund-Growth Direct Plan

Investment Amount- Rs52000

Market Value- Rs 51496

3} Kotak Standard Multicap Fund

Investment Amount- Rs 48000

Market Value- Rs 52897

Name of the Fund Category RankMF Star Rating
SBI BLUE CHIP FUND -Direct Plan-Growth Equity - Large Cap Fund 4
Aditya Birla Sun Life Frontline Equity Fund-Growth Direct Plan Equity - Large Cap Fund 4
Kotak Standard Multicap Fund Equity - Multi Cap Fund 4

Omkeshwar Singh: You may continue with your investment


Irshad Husain: My age is 55 years; Family members total 5 (first daughter doing PG 23 years; second daughter 14 years; son 13 years); Govt employee; retirement at the age 65 YEARS IN (2029).

Was doing SIPs on multiple MFs but all redeemed due to some urgent requirement. (HDFC EQUITY,HDFC TOP 200, DSP BLACK ROCK TOP 100. SUNDARAM ELSS, TEMPLETON FLEXI,PRIMA. SBI MAGNUM, RELIANCE VISION ETC).

WANT FURTHER SIP INVESTMENT IN MFs WITH HORIZON OF 5 YEARS OR MORE UP TO 50000/-PM. READY FOR SOME RISK ALSO. SHOULD I AGAIN THINK OF HDFC EQUITY? HDFC TOP 200, DSP BLACK ROCK TOP 100, etc. PLEASE ADVISE ME ONLY 3 to 4 selected MFs for starting SIPS with horizon of 5 years.

Name of the Fund Category RankMF Star Rating
HDFC EQUITY Equity - Multi Cap Fund 4
HDFC TOP 200 Equity - Large Cap Fund  4
DSP BLACK ROCK TOP 100 Equity - Large Cap Fund 4
SUNDARAM ELSS Equity - ELSS 4
TEMPLETON FLEXI Equity - Large & Mid Cap Fund  2
PRIMA. SBI MAGNUM Equity - mid Cap Fund  4
RELIANCE VISION Equity - Large & Mid Cap Fund 2

Omkeshwar Singh: 

Large and Midcap:

  • LIC MF Large Cap Fund – Growth
  • Tata Large And MidCap Fund - Growth

Akhilesh Gupta: I have SIPs in following schemes. Please suggest if it better to continue or switch:

Name of the Fund Category RankMF Star Rating
1. CanaraRobeco Emerging Equities(Growth) Equity - Large & Mid Cap Fund 4
2. HDFC Top 100 (Growth) Equity - Large Cap Fund 4
3. MotilalOswalMulticap 35 Fund- Regular Plan (Growth) Equity - Multi Cap Fund 5
4. Nippon India Retirement Fund- Wealth Creation Scheme (Growth) Solution Oriented - Retirement Fund 2
5. Nippon India Small Cap fund (Growth) Equity - Small Cap fund 2
6. Nippon India Value Fund (Growth) Equity - Value Fund 3
7. Principal Emerging Bluechip Fund (Growth) Equity - Large & Mid Cap Fund 4

Omkeshwar Singh:

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Equity Value Funds:

  • Tata Equity PE fund
  • UTI Value Opportunity Funds

Solution Oriented - Retirement Fund

  • Aditya Birla Sun Life Retirement Fund - The 50s Plan Growth
  • ICICI Prudential Retirement Fund Pure Debt Plan Growth

Amogh Datar: Hope you are doing well. I read your article regarding mutual funds on Rediff.com and wanted to check my mutual funds and review them.

I am currently having monthly SIP for Canara Robeco Emerging Equities - Regular Plan – Growth; SBI Small Cap fund - Regular Plan – Growth; HDFC Top 100 Fund Growth; Kotak Standard Multicap Fund - Growth and Nippon India Large Cap Fund - Growth.

I am also having hybrid funds for Nippon India Equity Hybrid Fund - Growth and HDFC Hybrid Equity Fund - Growth.

Your review and feedback will be very appreciable. Thank you for your time and have a nice day.

Name of the Fund Category RankMF Star Rating
CanaraRobeco Emerging Equities - Regular Plan – Growth Equity - Large & Mid Cap Fund 4
SBI Small Cap fund - Regular Plan – Growth Equity - Small Cap fund 2
HDFCTop 100 Fund Growth Equity - Large Cap Fund 4
Kotak Standard Multicap Fund - Growth Equity - Multi Cap Fund 4
Nippon India Large Cap Fund - Growth Equity - Large Cap Fund 4
Nippon India Equity Hybrid Fund - Growth Hybrid: Aggressive Hybrid Fund 3
HDFC Hybrid Equity Fund - Growth. Hybrid: Aggressive Hybrid Fund 5

Omkeshwar Singh:

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Hybrid: Aggressive Hybrid Fund

  • Mahindra Hybrid Equity Nivesh Yojana – Growth
  • Axis Equity Hybrid Fund - Growth

Sai Krishna: I have following MFs since March 2017. Please let us know if good to continue these MFs or shall I discontinue?

Name of the Fund Category RankMF Star Rating
DSP BlackRock Small and Mid Cap Fund – Regular Plan – Growth Equity - Mid Cap Fund  4
DSP Small Cap fund Equity - Small Cap fund 2
DSP Midcap Fund Equity - Mid Cap Fund 4
Sundaram Select Midcap Fund- Regular Plan Growth Equity - Mid Cap Fund 3

Omkeshwar Singh:

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Midcaps:

Motilal Oswal Midcap 30

  • DSP Midcap
  • Kotak Emerging Equity Fund

Neeraj Gupta: I am from Delhi. I have following mutual funds in my portfolio. At present my portfolio is at no profit, no loss status. Some are SIP and rest are hybrid or lumpsum investment. Please let me know if I should shuffle / sell / buy other fund.

Name of the Fund Category RankMF Star Rating
1. Aditya Birla SL - Equity Advantage Fund Equity - Large & Mid Cap Fund 4
2. Adity Birla SL-Frontline Equitry Fund- SIP Equity - Large Cap Fund 4
3. Adity Birla SL- Gennext EF- SIP Equity - Thematic Fund - Other 4
4. Adity Birla Tax Relief Fund-96-SIP Equity - ELSS 4
5. DSP-Equity Opportunities fund-SIP Equity - Large & Mid Cap Fund 4
6. DSP- Mid Cap Fund  Equity - Mid Cap Fund 4
7. FT- India Equity Fund- SIP Equity - Multi Cap Fund 2
8. FT-India Focus Equity Fund Equity - Focused Fund 2
9. FT-India Prima Fund-SIP Equity - Mid Cap Fund 3
10. HDFC-Equity Saving Fund Hybrid - Equity Savings 5
11. ICICI Pru- Banking &Finacial Services Fund Equity - Sectoral Fund - Banks & Financial Services 2
12. ICICI Pru-Long Term Equity Fund-SIP Equity - ELSS 3
13. ICICI Pru-Value Discovery - SIP Equity - Value Fund 2
14. IDFC Dynamic Fund-  Debt - Dynamic Bond 3
15.IDFC sterling Value Fund -SIP Equity - Value Fund 2
16. Kotak- Std. Multicap Fund- SIP Equity - Multi Cap Fund 4
17. Mirae-Asset Emerging Blue Chip Fund - SIP Equity - Large & Mid Cap Fund 4
18. Nippon India- Focus Equity Fund-SIP Equity - Focused Fund 3
19. Nippon India Small Cap fund-SIP Equity - Small Cap fund 2
20. SBI Blue Chip Fund Equity - Large Cap Fund 4
21.FT-India Smaller Company Equity - Small Cap fund 2
22. FT-India Dynamic Asset Fund Allocation FoFs (Domestic) - Debt Oriented 2
23. ICICI Pru- Balanced Advantage Fund Hybrid-Balanced Advantage 5
24. Nippon India-Equity Saving Fund Hybrid - Equity Savings 4
25. Principal Tax Saving Fund- SIP Equity - ELSS 2
26.BNP Paribas- Multi Cap Dividend Fund    
Dividend Payout Equity - Multi Cap Fund 2
Dividend Reinvestment Equity - Multi Cap Fund 3

Omkeshwar Singh: Avoid Equity - Sectoral Fund - Banks & Financial Services 

Multicaps: 

  • Motilal Oswal Multicap 35
  • Axis Multicap
  • Parag Parikh Long Term Equity Fund

ELSS: Motilal Oswal Long Term Equity Fund 

Focused:

  • Axis Focused 25
  • DSP Focused Fund

Midcaps: 

  • Motilal Oswal Midcap 30
  • DSP Midcap
  • Kotak Emerging Equity Fund

Small Caps:

  • Kotak Small Cap
  • Axis Small Cap

Equity Value Funds:

  • Tata Equity PE fund
  • UTI Value Opportunity Funds

Large Caps: 

  • LIC MF Large Cap Fund - Growth
  • Mirae Asset Large Cap Fund - Growth 

Large and Midcaps: 

  • LIC MF Large Cap Fund - Growth
  • Tata Large And Midcap Fund - Growth 

Manpreet Singh: I am 32 years old working in a PSU with an annual package of around 11 lakh. I have been investing Rs 6000 through monthly SIP since May 2015 in three funds, viz.

Name of the Fund Category RankMF Star Rating
Axis Long Term Equity Fund Direct Growth – 3000 Equity - ELSS 5
ICICI Prudential Long Term Equity Fund Direct Growth - 1500 Equity - ELSS 3
IDFC Tax Advantage Fund Growth - 1500 Equity - ELSS 2

I chose these ELSS funds as I needed deduction under section 80C at that time. But now the deduction is being taken care by my PF contribution & LIC. I am a long term investor & can remain invested for around 10-15 years.

Kindly advise:

1. Whether these funds are performing well and I should continue my SIP in these funds or not? If not, suggest the funds where I can switch to.

2. Also kindly advise the fund for lumpsum/one time investment for amount of Rs 60000.

Omkeshwar Singh: You may continue with Axis Long term Equity and remaining can be re-looked

You may look at these funds with an investment horizon of 10 to 15 years:

  • Motilal 35 Multicap
  • Axis Focused 25
  • Motilal Midcap 30
  • Kotak Small Cap

Illustration: Dominic Xavier/Rediff.com


Disclaimer: This article is meant for information purpose 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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