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Should I Invest in Mutual Funds? A Look at the Potential Drawbacks

Nitin Narkhede |80 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
As a mentor, Nitin has trained over 1,000 individuals, many of whom have seen remarkable financial transformations.
Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more

Question by Siddharth on Dec 29, 2024Hindi

Money

Disadvantaged of mutual fund

Ans: Please explain more about your question to answer in detail

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Question by Suresh - Sep 14, 2020Hindi

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I HAVE INVESTED FOLLOWING SUM IN THE MUTUAL FUNDS BUT ALMOST EVERYONE IS IN LOSS AS ON TODAY 04 AUG 20:

Name of the Fund	Category	Recommendations
Suresh Kumar
FRANKLIN INDIA PRIMA FUND (G)	Equity - Mid Cap Fund	SmartSwitch to DSP Mid Cap
FRANKLIN INDIA SMALLER COS FUND	Equity - Small cap Fund	SmartSwitch to Axis Small Cap Growth
ICICI PRU EQUITY AND DEBT FUND	Hybrid - Aggressive Hybrid Fund	SmartSwitch to Canara Robeco Equity Hybrid Fund
L&T EMERGING BUSINESSES FUND	Equity - Small cap Fund	SmartSwitch to Axis Small Cap Growth

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Question by Bhavin - Nov 29, 2019Hindi

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My mutual fund investments are as below: Please advice what can I do for long term benefit. Aditya Birla Sun Life Plan Growth Fund: Rs 1000 per month L&T Midcap Growth: Rs 2000 per month Mirae Asset Emerging Bluechip Fund Growth: Rs 2000 per month Mahindra Unnati Emerging Business Growth: Rs 1000 per month Name of the Fund Name of the Fund RankMF Star Rating AdityaBirla Sun Life Plan Growth Fund (scheme name not mentioned) L&T Midcap Growth Equity - Mid Cap Fund 3 MiraeAsset Emerging BluechipFund Growth Equity - Large & Mid Cap Fund 4 Mahindra UnnatiEmerging Business Growth Equity - Mid Cap Fund 4

Ans: You may continue with funds with 4 star ratings.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

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Financial Planner - Answered on Jan 27, 2023

Question by Sameer - Jan 26, 2023Hindi

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Which mutual fund is better for investment...As for low income group which is minimum investment

Ans: Hi Sameer, a mutual fund investment depends on your Goal,time to reach the Goal and risk taking capacity. So scheme can't be selected just like that, kindly elaborate on above points so I can tell accordingly. Min investment in sip is Rs 100 per month and in lumsum mode it's Rs 500 in some schemes and Rs 1000 in almost all schemes

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Question by chittanand - Mar 28, 2023Hindi

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DEAR MR.BOKIL I AM INVESTING MUTUAL FUNDS FRANKLIN PRIMA GROWTH -4000 PGIM INDIA GLOBAL EQUITY -2000 SBI BALANCED ADVANTAGE FUND 1000 KOTAK SMALL CAPS -GROWTH 1000 ICICI PRUDENTIAL -EQUITY GROWTH -1000 HDFC MUTUAL FUND GROWTH 2000 KOTAK MUTUAL FUND-MI CAP 3000 LAST 10YEARS HOLDING SBI -165 SHARE TATA MOTORS -50 TATAPOWER 75 CANARA BANK -75 ADANI PORT-25 COAL INDIA -25 KINDLY ADVICE MY AGE

Ans: Hello Mr Chittanand , Glad to see you are already into investing. Kindly reduce number of schemes and same nature schemes. As far as shares are concerned portfolio looks good but do book profits when you get them.
Kindly let me know what advice you need as your question does not say so

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Question by giridhar - Oct 09, 2023Hindi

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pls advise on the following mutual fund. aditya birla mid cap index fund direct g- 5000, quant small cap fund direct - 5000, sbi small cap fund direct -5000, parag parekh flexi cap fund - 5000, and hdfc flexi cap fund - 5000. should i continue or make some changes

Ans: Exit the below,

ABSL Midcap
HDFC Fexicap

Add,
Canara Flexicap

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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