Brojeswar Seth from Hooghly,WB..happy new year..you are doing excellent job by helping people in financial matters/management...
My age is 28, having a baby of 4 months, investing for 5 years, holding 7 funds(STP mode)(absl frontline,icici Pru discov,kotak select focus,hdfc midcap,mirae emer bc,franklin smaller,bsl tax relief 96)...
investing around 12 k/month...also having pf+ppf=10k.. emergency fund,term insurance,health insurance are there.. (aim : 1cr in 18 yrs, 40 lakhs in 25 yrs, 3 cr in 30 yrs)..will be increasing further in mf later...
but I am finding a problem since experts are recommending that some funds getting large sized may not able to sustain their performance..so what needs to be done in this regarding...sud I change funds time to time... whether i vl b able to get compound benefit by changing funds...can I expect 12% return going forward?? (also have 15 lakhs in fd..plan is after maturity to do STP from liquid fund)..
2 Answers
Hi,
Suggest you to continue with your investment plan in MFs. Portfolio looks fine.
STP route is fine.
SEBI has recently drafted norms to re-organize the fund categories, which may result in even bigger AUM funds!
So, kindly do not worry about the size of funds.
Kindly read :
https://www.relakhs.com/mutual-fund-schemes-categorization-latest-guidelines/
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