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Ask MF Guru: ‘Is my portfolio looking good?’

‘Could you please provide your feedback if my portfolio is good to continue for next 5 years or if it needs a modification? All are monthly SIPs’

Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries:

vivek rangnathrao mallurwar: The details of my SIP Instalment(s) is/are as below:

Scheme – Plan – Option Amount/month

Mirae Asset Emerging Bluechip Fund – Regular Plan Growth – Not-Applicable 10000.00

Axis Mid Cap Fund – Growth – Not-Applicable 10000.00

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

ICICI Prudential Technology Fund – Regular Plan – Growth – Not-Applicable 5000.00

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

Aditya Birla Sun Life Banking And Financial Services Fund – Gr. REGULAR – Not-Applicable 10000.00

Request you to please review and suggest any changes, if needed. I need to add 10K more per month. Please suggest good counters.
My goal is to make maximum possible corpus in next 10 years.

Omkeshwar Singh: You may continue with the first three funds and for remaining three and for further investments you may consider below funds:

YUNUS KHAN: Sir, my age is 40; i have lump sum investment in following funds of 2.5 lakhs each which are now giving me 50% return in one year (invested in june 2020). i want to top of 50k every month so how much should i allocate fund for below this funds (i invest in shariah based funds)

tata ethical fund direct
Taurus ethical fund direct
invesco india infrastructure fund direct 
tata India pharma fund direct

Omkeshwar Singh: All of these are sectoral funds with higher risk, however the funds are good you may continue

Saroj: My monthly SIPs are as follows:

1. Mirae Asset Emerging Bluechip Fund – Direct Plan – Growth 13000 pm

2. Mirae Asset Tax Saver Fund Direct Growth Growth – 1000 pm

3. ICICI Prudential Bluechip Fund – Direct Plan – Growth 1000 pm

4. ICICI Prudential Banking and Financial Services Fund – Direct Plan – Growth 1000 pm

5. SBI Blue Chip Fund – Direct Plan – Growth -1000 pm

6. UTI Flexi Cap Fund -DIRECT Growth – 2000 pm

7. Canara Robeco Emerging Equities – Direct Growth 3500 pm

8. Axis Long Term Equity Fund (ELSS) DIRECT GROWTH 4000 pm

9. HDFC Flexi Cap Fund Direct Plan Growth 1000 pm

10. PGIM India Global Equity Opportunities Fund – Direct Plan – Growth 1000 pm

11. Quant Active Fund Direct Growth 1000 pm

[Note: item no 2, 10, and 11 just started. Others are running for min 3 years]

My age is now 47.

Please scrutinize them and give me your valuable suggestions. 

Waiting for your reply.

Omkeshwar Singh: Funds are good but too many funds are there in portfolio, exit from 4 and 9 rest is fine.

rajesh singh parihar: I am going to retire from NTPC in July’24. With your prudent guidance, I want to invest some amount for a reserve fund in need. Though I would have a regular earning of Rs. 35000 after retirement by pension & other sources. Still, I have a liability of marriage to one of my sons. Please suggest to me how & what amount should I invest as lump sum to protect and grow my funds.

Omkeshwar Singh: Dear Sir ,

You may look are investment in hybrid funds, funds that may be considered are as under:

  • EDELWEISS BALANCED ADVANTAGE FUND – GROWTH OPTION
  • CANARA ROBECO EQUITY HYBRID FUND GROWTH
  • MOTILAL OSWAL EQUITY HYBRID FUND-GROWTH
  • UNION BALANCED ADVANTAGE FUND  – GROWTH
  • TATA BALANCED ADVANTAGE FUND  GROWTH

sarthak gupta: My plan is to create at least corpus of 1.5 cr in next 15 years, I have invested in below SIP plans. Please suggest if they are good and how should I further enhance. Total monthly SIP 18100, Started Jan 2019.

Axis Blue Chip – 2.5k

Axis Long Term – 5k

Aditya Birla Tax Relief 96 – 2.5k

Aditya Birla Corporate Bond – 3k

Aditya Birla Gold Fund – 2.1k

ICICI Banking and Financial Fund – 2k

DSP Nifty 50 Next Fund – 1k

Thank you in advance!

Omkeshwar Singh: If the ELSS is for Tax Saving then continue; remaining to be shifter to better funds:

Started couple of years back and in next 15 years total duration of 17 years the corpus that can be created is Rs. 1.4 crs; you may need to increase Rs. 2000 per month to reach the required target of 1.5 crs

Uttiya Mukherjee: I have 5 lac cash in hand. Shall need it in next year same time for son’s collage admission. Please suggest a fund with high liquidity and safe return.

Omkeshwar Singh: Kindly park in HDFC short term fund – growth

parvez jamadar: I am 41 years old and an NRI. I would like to know which is a better mutual fund to invest in; I can invest upto 25k per month.

Omkeshwar Singh: Below funds can be considered,Rs. 5000 each

Ankur Gupta: I have been investing in Mutual funds for last 3-4 years and expanded/diversified portfolio very recently (February/March 2021) for myself and father.

Could you please provide your feedback if this is good to continue for next 5 years or if this needs a modification? All are monthly SIPs.

Father (60 yrs, 30K per month):

Canara Robeco Bluechip Equity Fund – Direct Plan 8000
Mirae Asset Emerging Bluechip Fund – Direct Plan 9000
Axis Focused 25 Fund – Direct Plan 7500
Kotak Small Cap Fund – Direct Plan 5500

Omkeshwar Singh: Good portfolio, kindly continue

Self (34 yrs, 50.8K per month):

Axis Bluechip Fund – Direct Plan 10000
Canara Robeco Emerging Equities Fund – Direct Plan 10000
Invesco India Contra Fund – Direct Plan 3600
Edelweiss Equity Savings Fund – Direct Plan 3600
Mirae Asset Tax Saver Fund – Direct Plan 4000
Nippon India US Equity Opportunities Fund – Direct Plan 4000
PGIM India Flexi Cap Fund – Direct Plan 8000
Axis Small Cap Fund – Direct Plan 7600

Omkeshwar Singh: This portfolio is also fine, please continue

shubham arora: I am 34 years old. I am investing 25000 per month on different mutual funds. M funds include:

Axis long term equity fund (Direct)-SIP Rs 9000
Axis Mid cap fund (Direct)-SIP Rs 5000
Axis Focussed 25 fund (Direct)-SIP Rs 2000
Nippon large cap fund (Regular)-SIP Rs 4000
L & T Emerging Business fund (Direct)-SIP Rs 5000

Please review my MF holdings and kindly advise me what are the funds i should retain/close and what new investments to make as I can invest Rs5000 more?

Omkeshwar Singh: 1, 2, 3 are fine; please continue; Kotak Bluechip can be considered instead of Nippon and similarly UTI Small Cap can be considered for L&T

For fresh Investment any one of below can be considered

DSP Quant Fund – Growth

UTI Flexi-Cap – Growth

Motilal Focused 25 Fund – Growth

Raunak Shetty: I’m 27 years old and have made 4 monthly SIPs of 5,000 rs each, two months ago. They are:

1. Axis Bluechip Fund – Direct Plan Growth

2. Quant Small Cap Fund -Growth Option Direct

3. PGIM India Midcap Opportunities Fund – Regular Plan Growth

4. Quant Active Fund – Growth

Could you please advice me whether I should continue with these funds or switch. I was also considering to put invest an additional 20,000 rs a month. I was planning to either put it in MF’s or use it for a PPF account. Please advice what’s the best thing to do with this sum, I aim to retire by the age of 45.

Omkeshwar Singh: Please continue, can be reviewed after 6 months

Additional investment in MF is better if the goal is to retire early. You may choose from below funds

Mujib Kazi: I have the following SIPs every month since August 2017. Kindly advise if I should continue with existing schemes or switch to a better rated and better performing scheme. My time horizon is 10 years minimum.

1. HDFC Hybrid Fund – Direct – Growth – Rs. 3500/-

2. Principal Emerging Bluchip Fund – Direct – Half Yearly IDCW Paoput – Rs. 2500/-

3. ICICI Prudential Large & Midcap Fund – Direct – Half Yearly IDCW Payout – Rs. 3000/-

4. Kotak Flexicap Fund – Direct – IDCW Payout – Rs. 2500/-

5. Aditya Birla Sun Life Frontline Equity Fund -IDCW-Direct Plan – Rs. 3000/-

6. Aditya Birla Sun Life Flexicap Fund -IDCW-Direct Plan – Rs. 3500/-

Omkeshwar Singh: These are better options:

1. CANARA ROBECO EQUITY HYBRID FUND – GROWTH

2. Axis ESG Equity Fund – Growth

3. Motilal Focused 25 Fund – Growth

4. ICICI Pru US Bluechip Equity Fund – Growth

5. UTI Flexi Cap fund – Growth

6. DSP Quant Fund – Growth

Mohit Tiku: My age is 51 and I am invested in MFs since 2013:

Franklin India Flexi Cap fund-Direct Dividend- Rs.30,000 per month

HDFC Balanced advantage fund-Direct Plan Dividend- Rs.15,000 per month

Kindly advice on the above and if I should switch to some other funds with additional investment

Omkeshwar Singh: Presently both are decent; please continue

satish negi: Pl suggest portfolio against my investment:

1 Aditya Birla Sun Life Dividend Yield Fund – Gr 1000
2 Aditya Birla Sun Life Savings Fund – Gr 3000
4 Axis Long Term Equity Fund – Gr 1000
5 DSP Tax Saver Fund – Gr 2000
6 ICICI Prudential Long Term Equity Fund – Regular Gr 1000
7 ICICI Prudential Multi-Asset Fund – Gr 1000
8 ICICI Prudential Value Discovery Fund Gr 1000
9 SBI Flexicap Fund – Gr 1000

Total 11000 lump sum investment in the funds above

1 ICICI Prudential Floating Interest Fund – Gr 1,12,046.40
2 Axis Flexi Cap Fund – Gr 31,946.00

Omkeshwar Singh: Please continue; to be reviewed post 6 months

abrar ali baig: I am 43 years old. Currently I do not have any investments in Mutual funds and there is a possibility for me to start investing Rs.35000 per month for which I want to seek your guidance. I am looking for what would be the best options for investments in MF looking at a 10 yr period and while I do realize that MFs are subject to market risks, in an ideal situation what kind of returns can I expect out of the portfolio that you will suggest for a monthly investment of Rs.35000. Giving you an idea of my current investments:

LIC Unit linked policy – Rs 10000/yr
LIC Pension plan – Rs 15000/yr
PPF – Rs 48000/yr from the past 4 years
NSC policy of Rs. 50000 for each year from the past 3 years.

I will be very thankful for your suggestions and guidance.

Omkeshwar Singh: You may kindly consider the below funds;

debjani ashis sarkar: I am 59 years old, looking for a fixed return @ 12 lakhs per year. Kindly advise how much and which funds I should invest?

Omkeshwar Singh: Dear sir, there are no option for 12% fixed returns in mutual funds; mutual funds are subject to market risks.

SANDEEP RANA: I am 55 years old and I am looking to invest 40k every month with a horizon of 5-10years. Recently since last 2 months I have started investing in:

1-Mirae Asset Emerging Bluechip Fund Direct-IDCW Reinvestment Rs 2000/pm

2-Axis Bluechip Fund – Growth Rs 2000/pm

Omkeshwar Singh: Both are good funds, however, change the Mirae Emerging Bluechip – reinvestment to GROWTH option as every reinvestment will attract stamp duty so it is not an efficient way to invest.

My wife Toshima Rana age 48 years too wants to invest 50K for next 12 years. Please suggest.

Omkeshwar Singh: These are good funds; please continue

For additional investment (wife) below funds can be considered.

Mayank Negi: I am investing 60K per month via SIP in 10 mutual funds for the last 4-5 years. Portfolio is divided between me and my wife. Both are aged 38. The target is long term wealth creation and the horizon in 10-12 years away. Please suggest funds to continue or discontinue with and also new schemes to switch to.

Wife’s Portfolio SIPs (All are Direct Growth)

DSP Eqt & Bond – 6000

DSP Eqt Opp – 6000

DSP Midcap – 6000

DSP Top 100 Eqt – 6000

Omkeshwar Singh: DSP mid cap and Top 100 are good funds

My Portfolio SIPs (All are Direct Growth)

Franklin Focused Eqt – 7000

Franklin Prima – 6000

SBI Bluechip – 7000

SBI Focused Eqt – 6000

SBI Small Cap – 5000

Quantum LT Eqt Value – 5000

Omkeshwar Singh: SBI Bluechip and Focused are good funds

For remaining funds in both portfolio, these can be considered

DSP Quant Fund  – Growth

If you want Mr Singh’s advice on your mutual fund investments, please mail your questions to [email protected] with the subject line, ‘Ask MF Guru‘, 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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