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MFs you will need to Purchase, Maintain or Exit


 

Omkeshwar Singh, Head, Rank MF, a mutual fund funding platform, solutions your queries:


Durgaprasad Mohapatra: I’m 39 and have been investing via Month-to-month SIPs within the under Funds, please let me know your professional solutions on these-whether to retain/exit

DSP Small Cap Fund 2000

UTI Youngsters’s Profession Fund 1000

DSP Fairness Alternatives Fund 3500

DSP Healthcare Fund 2000

Canara Robecco Tax Saver 5000

Mirae Asset Rising Bluechip Fund 2000

SBI Gold Fund 1000

SBI Focussed Fairness Fund 2000

DSP US Versatile Fairness Fund 5000

Kotak Balanced Fund 2000

Omkeshwar Singh: Chances are you’ll proceed with 1, 3, 4, 5, 6, 8 & 9

Sumitava Chowdhury: I’m 44 years previous and I’ve been investing in MFs since January 2019. My portfolio consists of the next:

1. ABSL Tax reduction 170000 (lumpsum).

2. Invesco India tax plan 233500 (lumpsum).

3. Mirae asset tax saver 250000 (lumpsum).

4. Canara robeco bluechip fairness 365000 (lumpsum).

All are direct progress plans.

I’ll redeem ABSL Tax reduction round March 2022 because it has been underperforming for fairly a while. This quantity plus an extra 300000 lacs I need to make investments by way of SIP for 18-24 months. 

Contemplating my age the place ought to I make investments this quantity? Kotak small cap or PGIM India midcap alternatives fund or ICICI prudential expertise fund?

I shall keep invested in fairness for one more 13-14 years most.

My debt portfolio consists of liquid/in a single day/extremely quick/gold funds and likewise PPF.

Omkeshwar Singh: Please proceed

Rajshekhar Patne: I’m 37 yr previous working lady. I’ve Rs. 3.5 lakh and need to put money into FD, Gold & MF one time and afterwards need to do SIP of Rs. 8000 pm.

Omkeshwar Singh: You possibly can make investments 63% in Fairness oriented MF, Gold – 10 to fifteen% and remaining quantity is Debt MF  / FD

Chances are you’ll think about the under funds for lumpsum and month-to-month SIPs

a)   UTI Flexi Cap – Development

b)  Parag Parikh Flexi- Cap Development

c)   Axis ESG Fairness Fund – Development

d)  DSP Mid Cap Fund – Development

awij shaikh: I invested in MF since 2018 and my funding in MF as under.

1. Axis Blue chip Fund- Direct plan- 3000
2. Aditya Birla tax reduction 96 fund – direct plan-3000
3. Mirae Asset rising bluechip fund-direct- 2500
4. Parag Parikh flexi cap fund- direct- 2000.
5.Hdfc index fund sensex plan- Direct- 5000(quarterly).

So I need accumulate good quantity for my daughter schooling and for retirement. So please counsel the above fund fullfil my requirement or ought to I alter my portfolio.

Omkeshwar Singh: Respectable portfolio, no want to alter

vivek rangnathrao mallurwar: The main points of my SIP Instalment(s) is/are as under:

Scheme – Plan – Choice Quantity/month

Mirae Asset Rising Bluechip Fund – Common Plan Development – Not-Relevant 10000.00

Axis Mid Cap Fund – Development – Not-Relevant 10000.00

Nippon India SMALL CAP FUND – GROWTH PLAN GROWTH OPTION – Not-Relevant 10000.00

ICICI Prudential Expertise Fund – Common Plan – Development – Not-Relevant 5000.00

ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund Development – Not-Relevant 5000.00

Aditya Birla Solar Life Banking And Monetary Companies Fund – Gr. REGULAR – Not-Relevant 10000.00

Request you to please evaluation and counsel any modifications, if wanted. I would like so as to add 10 Okay extra per thirty days. Please counsel good counters.

Omkeshwar Singh: Please proceed together with your present portfolio and you might think about the under for addition SIPs

a)   UTI Flexi Cap – Development

b)  Parag Parikh Flexi- Cap Development

shyam kannacham veettil: I’m holding following schemes. Shall I maintain or change it for one more 3 years.

DSP MID CAP FUND – REGULAR PLAN – GROWTH
ICICI PRUDENTIAL MNC FUND – REGULAR PLAN – GROWTH
Franklin India TAXSHIELD IDCW
HDFC TAXSAVER – REGULAR PLAN – IDCW
ICICI PRUDENTIAL LONG TERM EQUITY FUND – TAX SAVING – REGULAR PLAN – GROWTH
L and T TAX ADVANTAGE FUND GROWTH
SBI LONG TERM EQUITY FUND- REGULAR PLAN – GROWTH

Omkeshwar Singh: 1 and a couple of are good funds , relaxation are principally in ELSS – ELSS may be consolidated in Axis Lengthy Time period Fairness – Development & Canara Rebaco Tax Saver – Development

R Sriram: I’m investing within the under Funds, please counsel if I’ve to make any modifications? Additionally, please counsel a Debt Fund to speculate (10 Lakhs) for taking curiosity yearly and maintain the capital (10 yrs timeframe )

Fund Title – Investing Since – Per Month – To Stay Invested – General Return to date

Mirae Asset Rising Bluechip Fund (G) – 2017 Might – 10000 – 2030 – 52%

L&T Midcap Fund (G) – 2018-Oct – 10000 – 2025 – 32%

DSP Mid Cap Fund – Common Plan (G) – 2017- Jan – 5000 – 2022 – 43%

Aditya Birla Solar Life Small Cap Fund (G) – 2017- Jan – 5000 – 2021 – 27%

Omkeshwar Singh: Please proceed

santosh deshpande: I had invested lump sum Rs 24 Okay in Aditya Birla Solar Life Tax Reduction 96 Fund. EQUITY ELSS in June 2017 with
3 yrs lock in. however final yr after lock in interval ends i hav not withdrawn & nonetheless continued it as its NAV is healthier. so shall i proceed or withdraw it?

Additionally inform me since this MF is ELSS am i able to take tax advantage of it.

Omkeshwar Singh: Chances are you’ll proceed with the scheme; nonetheless, the tax profit may be taken within the yr of Funding solely, and never after that

rahul gupta: I’ve a SIP in following @ 1000 per thirty days in every of following wef 2019

Axis long run fairness fund
Aditya Birla solar Life fairness benefit
Aditya Birla solar Life focussed fairness
Franklin template Flexi cap
HDFC balanced benefit fund
SBI Small cap

Please counsel whether or not to proceed or counsel some different.

Omkeshwar Singh: Proceed with 1 and 6 for relaxation under may be thought-about

a)   UTI Flexi Cap – Development

b)  Parag Parikh Flexi- Cap Development

c)   Axis ESG Fairness Fund – Development

d)  DSP Mid Cap Fund – Development

Shikher Arya: Beneath are the main points of my portfolio. I would like your evaluation if I’m on observe.

Title of funds:

Mirae Asset Massive Cap fund – Month-to-month SIP INR 4000/- since Jan 2020. 

Present worth INR 80896/-

Axis Bluechip fund – Month-to-month SIP INR 2000/- since Jan 2020. 

Present worth INR 36547/-

Tata India Tax Financial savings fund – Month-to-month SIP INR 2000/- since July 2017. 

Present worth INR 1.23 lakh/-

Kotak Flexi Cap fund – Month-to-month SIP INR 2000/- since Jan 2020. 

Present worth INR 32652/-

Parag Parikh Flexi Cap fund – Month-to-month SIP INR 2000/- since Feb 2021. 

Present worth INR 6292/-

Moreover that, I put money into under as effectively:

Sukanya Samriddhi Yojana – INR 12500/- month-to-month since 2020.

NPS – INR 12500/- in Tier 1 since 2014 & INR 12500/- in Tier 2 since 2021

FD – INR 20 lakhs since Jan, 2019 @ 5.25% curiosity. 

Targets:

1- Daughter’s larger schooling

17 years away, Quantity wanted round 1 crore

2- Daughter’s marriage:

26 years away, Quantity wanted round 1.2 crore

3- Retirement:

31 years away, Quantity wanted round 8 crore

Omkeshwar Singh: Funds are good, nonetheless with present Investments 1 and 2nd Purpose may be achieved, nonetheless to realize 3 extra Funding is required.

i.e. for 1 crs in 17 years , Funding required is Rs. 15,000 per thirty days

for 1.2 crs in 26 years, extra Funding requirement is Rs. 4000 per thirty days

For Retirement 8 crs in 31 years, extra Funding required is Rs. 16,000 per thirty days

Subsequently complete month-to-month funding required to realize all targets are Rs. 35000 per thirty days

Santhosh Kumar: Please see under the record of Mutual Funds I’m holding.

Request your recommendation to optimize my portfolio to max. of 10 MFs. The under record was progressively added up from 2015 onwards.

1. Aditya Birla Solar Life Fairness Benefit Fund – Development-Common Plan (previously often known as Aditya Birla Solar Life Benefit Fund)

2. Aditya Birla Solar Life Dynamic Bond Fund Development-Direct Plan

3. Aditya Birla Solar Life Banking & PSU Debt Fund – Development-Direct Plan (previously often known as Aditya Birla Solar Life Treasury Optimizer Plan)

4. HDFC Mid-Cap Alternatives Fund – Development

5. HDFC Balanced Benefit Fund – Development

6. ICICI Prudential Multicap Fund – Development

7. ICICI Prudential Worth Discovery Fund – Development

8. SBI Blue Chip Fund – Direct Plan – Development

9. HDFC Hybrid Fairness Fund – Direct Plan – Development Choice

10. Aditya Birla Solar Life Fairness Fund – Development-Common Plan

11. SBI Targeted Fairness Fund Common-Development

12. SBI Targeted Fairness Fund Common-Direct Plan-Development

13. LIC MF Massive Cap Fund-Direct Plan-Development

14. Axis Bluechip Fund – Direct Plan – Development

15. BNP Paribas Substantial Fairness Hybrid Fund – Development

16. Kotak Fairness Hybrid Fund Direct Plan – Development (Erstwhile Kotak Stability)

17. Nippon India US Fairness Alternatives Fund-Direct Development Plan((Previously Reliance Mf)

18. HSBC Common Financial savings Fund – Development

19. Kotak Gold Fund – Development

20. Nippon India Balanced Benefit Fund – Development Plan – Development Choice (NEGPG)

21. Edelweiss Balanced Benefit Fund – Development

22. Motilal Oswal Dynamic Fund – Development

23. IDFC Bond Fund – Brief Time period – Development

24. SBI Brief Time period Debt Fund – Development

25. DSP Financial savings Fund – Development

26. Aditya Birla Solar Life Floating Price Fund – Common Plan – Development

27. Canara Robeco Bluechip Fairness Fund – Common Plan – Development

28. Mirae Asset Massive Cap Fund – Common – Development

29. Axis Bluechip Fund – Common Plan – Development

30. SBI Financial savings Fund – Development (For brief time period)

31. Parag Parikh Lengthy Time period Fairness Fund – Development

32. HDFC Cash Market Fund Development

33. SBI BANKING AND PSU FUND – GROWTH

34. HDFC Index Fund-NIFTY 50 Plan – Direct(INNPT)

35. SBI Worldwide Entry – US Fairness FOF – Common Plan – Development: NFO

Your assist on this regard shall be extremely appreciated.

Omkeshwar Singh: Proceed with 3, 7, 8, 12, 14, 21, 27, 28, 29 & 31

Imtiyaz Alamshah: I’ve 10 lakh to speculate. I need to make investments for brief time period for 18 to 24 month. I’ve invested 2 lakh in Motilal Oswal Multi Asset Fund – Common Development.

Are you able to counsel which MF to purchase for remaining 8 lakhs.

Omkeshwar Singh: Greatest suited fund for 18 to 24 months are Debt – Brief length Funds.

HDFC Brief time period Fund – Development may be thought-about

Vincent D’souza: I’m presently having SIP in following MFs:

Kindly advise if these MFs are okay and might be continued or want any modifications in MF portfolio.

Additionally, how lengthy ought to I maintain it?

Additionally how a lot do I would like to speculate to get a revenue of 50-60K yearly and through which MF ought to I make investments?

EFGP-Axis Bluechip Fund – Common Development 3000

ICICI Prudential Company Bond Fund – Development 2000

Kotak Company Bond Fund Normal Development (Common Plan) 2000

SBI Flexicap Fund – Common Plan – Development 2000

Omkeshwar Singh: Chances are you’ll proceed with 1, 2 & 3 and for 4th both of the under may be thought-about

a)   UTI Flexi Cap – Development

b)  Parag Parikh Flexi- Cap Development

Tapas gayadhar pandab Pandab: As I’m a novice on this regard, I’m a center class fellow and I need to earn a good-looking quantity after 10 to fifteen years. Because of this after finding out or going via the web I’ve invested within the MF.

1. SBI Blue chip fund common progress.& Direct progress. (4,000/Month)

2. Bajaj Allianz (Future achieve plan). (2500/Month)

3. UTI-Flexi cap fund. (2000/Month)

4. Kotak rising fairness fund. (1000/Month)

5. Axis blue chip fund Direct progress. (1000/Month)

Sir how would you charge this above, would you advocate me to proceed this for an extended time? Free frank opinion shall be appreciated.

Omkeshwar Singh: Please proceed, all funds are respectable

Hitesh Ingale: I’ve been investing the under MFs from 2019 as SIPs. Please counsel to me if all of them are good funds and do I’ve too many funds?

Ought to I make some modifications? Or all is nice right here?

Mirae asset rising gr – 5000pm – Retirement – Present Annual return -36.6%

Canara robeco rising gr – 3000pm – Vacation in subsequent 5yrs -Present Annual return-32.7%

Axis midcap – 5000pm – Wealth creation 15yrs -Present Annual return-26.3%

Axis long run ELSS – 2000pm – TAX -Present Annual return-25.7%

SBI small cap – 5000pm – Wealth creation 15yrs -Present Annual return-56.8%

Axis small cap – 2000pm – Wealth creation 15yrs -Present Annual return-15%

Mirae Tax saver ELSS – 3000pm – TAX -Present Annual return-12.7%

Edelweiss steadiness advan – 3000pm – For Emergency fund for 3yrs – began lately

Whole: 28000 per thirty days

Omkeshwar Singh: Please proceed, all funds are respectable


In order for you Mr Singh’s recommendation in your mutual fund investments, please mail your inquiries to [email protected] with the topic line, ‘Ask MF Guru‘, alongside together with your title, and he’ll supply his unbiased views.

Disclaimer: This text is supposed for data functions solely. This text and data don’t represent a distribution, an endorsement, an funding recommendation, a proposal to purchase or promote or the solicitation of a proposal to purchase or promote any securities/schemes or another monetary merchandise/funding merchandise talked about on this QnA or an try and affect the opinion or behaviour of the traders/recipients.

Any use of the knowledge/any funding and funding associated selections of the traders/recipients are at their sole discretion and threat. Any recommendation herein is made on a common foundation and doesn’t take into consideration the precise funding goals of the precise particular person or group of individuals. Opinions expressed herein are topic to alter with out discover.



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