Mutual Fund Advice please Help

[keerthirahul]

Friends

I’m new to MFs and please do spare a minute and help me. I with my own research started investing in mutual funds. The current XIRR is 37.84%.

This is how I’m doing
HDFC Large & Small Cap - 3500 per month
PGIM Mid Cap - 4000 per month
Quant Active - 3500 per month
Quant small cap - 5000 per month
Axis small cap - 2500 per month
ICICI prudential Bharat 22 FoF - 1500 per month

Total is 20k per month. Any suggestions or recommendations please to drop or add or increase contribution??

 

[17ysaurabh]

Hi @keerthirahul
Based on your Mutual funds portfolio, you have invested

• around 40-50% in Small cap mutual funds
• less than 25% in Large cap mutual funds

It is extremely risky in my opinion.

1. If you want to take an aggressive approach,

• small cap of around 15-25%
• midcap of around 15-25%
• large cap of around 50-60%

OR
2. If you want to take a conservative approach,

• small-cap and mid-cap of around 25-30%
• large cap of around 70-75%

PS:
I strongly suggest decreasing your small-cap size and increasing your large-cap size. Based on your risk appetite and your research, you should decide which mutual funds to increase/decrease the amount.
Also, make sure you have some investment in debt funds like FD, bonds etc.
I hope it helps!

 

[theraj0007]

Friends

I’m new to MFs and please do spare a minute and help me. I with my own research started investing in mutual funds. The current XIRR is 37.84%.

This is how I’m doing
HDFC Large & Small Cap - 3500 per month
PGIM Mid Cap - 4000 per month
Quant Active - 3500 per month
Quant small cap - 5000 per month
Axis small cap - 2500 per month
ICICI prudential Bharat 22 FoF - 1500 per month

Total is 20k per month. Any suggestions or recommendations please to drop or add or increase contribution??

I DONT THINK YOU NEED THESE MUCH ONLY 3 FUNDS ARE ENOUGH LIKE BLUE CHIPS , MULTI CAP AND SMALL CAP .

 

[keerthirahul]

Hi @keerthirahul
Based on your Mutual funds portfolio, you have invested

• around 40-50% in Small cap mutual funds
• less than 25% in Large cap mutual funds

It is extremely risky in my opinion.

1. If you want to take an aggressive approach,

• small cap of around 15-25%
• midcap of around 15-25%
• large cap of around 50-60%

OR
2. If you want to take a conservative approach,

• small-cap and mid-cap of around 25-30%
• large cap of around 70-75%

PS:
I strongly suggest decreasing your small-cap size and increasing your large-cap size. Based on your risk appetite and your research, you should decide which mutual funds to increase/decrease the amount.
Also, make sure you have some investment in debt funds like FD, bonds etc.
I hope it helps!

Thank you so much for the info. Will make the necessary changes.

 

[keerthirahul]

I DONT THINK YOU NEED THESE MUCH ONLY 3 FUNDS ARE ENOUGH LIKE BLUE CHIPS , MULTI CAP AND SMALL CAP .

Thank you.

 

[17ysaurabh]

Thank you so much for the info. Will make the necessary changes.

Happy to help!

 

[The INSANE Trader]

Friends

I’m new to MFs and please do spare a minute and help me. I with my own research started investing in mutual funds. The current XIRR is 37.84%.

This is how I’m doing
HDFC Large & Small Cap - 3500 per month
PGIM Mid Cap - 4000 per month
Quant Active - 3500 per month
Quant small cap - 5000 per month
Axis small cap - 2500 per month
ICICI prudential Bharat 22 FoF - 1500 per month

Total is 20k per month. Any suggestions or recommendations please to drop or add or increase contribution??

Quant, HDFC & Axis are tremendous funds but I will suggest you kindly check exit load and expense ratio of all the funds especially PGIM fund.

 

[zacobite]

Friends

I’m new to MFs and please do spare a minute and help me. I with my own research started investing in mutual funds. The current XIRR is 37.84%.

This is how I’m doing
HDFC Large & Small Cap - 3500 per month
PGIM Mid Cap - 4000 per month
Quant Active - 3500 per month
Quant small cap - 5000 per month
Axis small cap - 2500 per month
ICICI prudential Bharat 22 FoF - 1500 per month

Total is 20k per month. Any suggestions or recommendations please to drop or add or increase contribution??

hdfc large and small cap fund doesn't exist - pls recheck - maybe large and midcap fund? ok ok fund - can stop

quant active is an excellent fund shd be higher allocation - is a multi cap fund already will give u mid and small cap exposure - increase to 7500 ..will be volatile but long term bet.. don't track daily

Bharat ETF - Good one as well - but same philosophy as others- stop

One nifty 50 / one nifty next 50 index fund - 5000 each

One conservative hybrid fund - 2500

Simple, smartly aggressive and effective.. dont go overboard with small / midcap..

Many will disagree now..but.. wait amd watch

 

[soum_bhowmik]

Hi @keerthirahul ,

Based on your investments, I am suggesting below -

HDFC Large & Small Cap - 3500 per month
PGIM Mid Cap - 4000 per month
Quant Active - 3500 per month
Quant small cap - 5000 per month
Axis small cap - 2500 per month
ICICI prudential Bharat 22 FoF - 1500 per month


Your current portfolio includes HDFC Large and Mid Cap, PGIM Mid Cap, and Quant Active, which is a multi-cap fund. There's some overlap here, particularly with two small-cap funds with the multi-cap category.

I suggest keeping Quant Active, as it's a multi-cap fund with a minimum allocation of 25% to large, mid, and small-cap stocks. You can exit from both small-cap funds.

Now, you can choose between HDFC Large and Mid Cap or PGIM Mid Cap. I lean towards the Large and Mid Cap combination, or you could explore Flexi-cap funds, which might offer exposure to US stocks, or even Hybrid funds, possibly in the Balanced Advantage Fund (BAF) category.

Considering ICICI Prudential Bharat 22 FoF, you may want to retain it as it represents a small portion of your investments.

 

[keerthirahul]

Thank you all for your valuable suggestions