विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Ramalingam Kalirajan |10902 Answers |Ask -Follow
Mutual Funds, Financial Planning Expert - Answered on Oct 05, 2024
Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Question by Siddharth on Oct 05, 2024
Sir, I have started a SIP of 1000 Rs. per month in the below Mutual Funds since August 2024. I have planned to invest in it for a period of 10-20 years. Am I going the right way and whether my mutual fund selection for SIP is good or not? I need your guidance and instructions on it please. 1) UTI Nifty 50 Index Fund (Large Cap) 2) Kotak Emerging Equity Scheme (Mid Cap) 3) Nippon India Small Cap Fund 4) SBI small Cap Fund Request for your reply sir Thanks
Ans: Your decision to start SIPs is a positive step towards building wealth in a disciplined manner. Systematic Investment Plans are the best way to invest for long-term goals because they minimize market timing risks and benefit from the power of compounding. Now, let's assess the mutual funds you've chosen.
1. Selection of Mutual Funds
You’ve invested in a good mix of large-cap, mid-cap, and small-cap funds. This diversification will help balance risks and returns, as different market segments perform differently over time. However, let’s analyse each category for a better understanding.
2. Large Cap Fund: Focus on Stability
Large Cap Funds: You have selected a large-cap index fund, which provides exposure to stable and financially strong companies. While large-cap funds are less volatile, index funds are passively managed. It means they mimic the benchmark index, which offers average returns in line with the market.
Limitations of Index Funds: Although index funds offer low expense ratios, actively managed large-cap funds can provide better returns. An experienced fund manager can outperform the index by selecting high-potential stocks. You might miss out on such opportunities with an index fund.
3. Mid Cap Fund: Balanced Growth Potential
Mid-Cap Fund: Your choice of a mid-cap fund is a good addition for growth. Mid-cap funds invest in companies with strong growth potential, though they can be volatile in the short term. Over the long term, mid-cap funds often outperform large caps but may carry higher risks.
Recommendation: Keep investing in this category for 10-20 years, as mid-caps will provide significant growth over time if held patiently.
4. Small Cap Funds: Higher Returns with Higher Risks
Small-Cap Funds: You’ve invested in two small-cap funds, which could provide the highest returns but also come with higher volatility. Small-cap funds invest in companies that are still in their growth phase, and therefore their performance can fluctuate significantly.
Diversification Risk: Having two small-cap funds might expose your portfolio to excessive risk. Instead of having multiple funds in the same category, you can consider reducing small-cap exposure and adding a balanced or multi-cap fund for better risk management.
5. Your Portfolio Diversification
Diversified Portfolio: Your portfolio has a good mix of large, mid, and small-cap funds. However, it leans more towards small-cap funds, which could increase risk over time. If you're investing for a period of 10-20 years, having a combination of large-cap (for stability), mid-cap (for growth), and a small allocation to small-cap funds will work well.
Suggestions for Optimizing Your SIP Investments
Increase Large-Cap Allocation: While your large-cap investment is in an index fund, you might want to switch to an actively managed large-cap fund. This could provide better risk-adjusted returns in the long term.
Balanced Approach: Instead of having two small-cap funds, consider reducing your exposure to small-caps. You can add a balanced or hybrid fund to bring more stability. A diversified equity fund could also serve you well.
Gradual Step-Up: As you continue investing over the years, it's important to increase your SIP contributions annually. A 10% increase in your SIP every year can help you achieve your financial goals much faster.
Final Insights
Mutual Funds for Long-Term: Your investment horizon of 10-20 years is ideal for SIPs in equity mutual funds. Equity markets perform well over the long term and SIPs help average out the cost of investment.
Rebalancing Every 2-3 Years: Keep an eye on your portfolio and review it every 2-3 years. Make sure your portfolio stays aligned with your risk tolerance and financial goals. Rebalancing can help you lock in profits from certain funds and reinvest in others.
Active vs. Passive: While your index fund choice gives market-average returns, you might benefit more from actively managed large-cap funds in the long run.
Small Cap Exposure: Reduce your exposure to small-cap funds, as they carry more risk. Having one small-cap fund is usually sufficient for the average investor. Consider adding a balanced or multi-cap fund for more stability.
Continued Discipline: Investing for 10-20 years requires patience. SIPs take time to deliver their full potential, especially in volatile markets. Stay disciplined, and avoid pausing or stopping your SIPs based on market fluctuations.
By following these steps and making small tweaks, you can create a more balanced and growth-oriented portfolio. Keep a long-term perspective and regularly increase your investments to reach your financial goals.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
1. Selection of Mutual Funds
You’ve invested in a good mix of large-cap, mid-cap, and small-cap funds. This diversification will help balance risks and returns, as different market segments perform differently over time. However, let’s analyse each category for a better understanding.
2. Large Cap Fund: Focus on Stability
Large Cap Funds: You have selected a large-cap index fund, which provides exposure to stable and financially strong companies. While large-cap funds are less volatile, index funds are passively managed. It means they mimic the benchmark index, which offers average returns in line with the market.
Limitations of Index Funds: Although index funds offer low expense ratios, actively managed large-cap funds can provide better returns. An experienced fund manager can outperform the index by selecting high-potential stocks. You might miss out on such opportunities with an index fund.
3. Mid Cap Fund: Balanced Growth Potential
Mid-Cap Fund: Your choice of a mid-cap fund is a good addition for growth. Mid-cap funds invest in companies with strong growth potential, though they can be volatile in the short term. Over the long term, mid-cap funds often outperform large caps but may carry higher risks.
Recommendation: Keep investing in this category for 10-20 years, as mid-caps will provide significant growth over time if held patiently.
4. Small Cap Funds: Higher Returns with Higher Risks
Small-Cap Funds: You’ve invested in two small-cap funds, which could provide the highest returns but also come with higher volatility. Small-cap funds invest in companies that are still in their growth phase, and therefore their performance can fluctuate significantly.
Diversification Risk: Having two small-cap funds might expose your portfolio to excessive risk. Instead of having multiple funds in the same category, you can consider reducing small-cap exposure and adding a balanced or multi-cap fund for better risk management.
5. Your Portfolio Diversification
Diversified Portfolio: Your portfolio has a good mix of large, mid, and small-cap funds. However, it leans more towards small-cap funds, which could increase risk over time. If you're investing for a period of 10-20 years, having a combination of large-cap (for stability), mid-cap (for growth), and a small allocation to small-cap funds will work well.
Suggestions for Optimizing Your SIP Investments
Increase Large-Cap Allocation: While your large-cap investment is in an index fund, you might want to switch to an actively managed large-cap fund. This could provide better risk-adjusted returns in the long term.
Balanced Approach: Instead of having two small-cap funds, consider reducing your exposure to small-caps. You can add a balanced or hybrid fund to bring more stability. A diversified equity fund could also serve you well.
Gradual Step-Up: As you continue investing over the years, it's important to increase your SIP contributions annually. A 10% increase in your SIP every year can help you achieve your financial goals much faster.
Final Insights
Mutual Funds for Long-Term: Your investment horizon of 10-20 years is ideal for SIPs in equity mutual funds. Equity markets perform well over the long term and SIPs help average out the cost of investment.
Rebalancing Every 2-3 Years: Keep an eye on your portfolio and review it every 2-3 years. Make sure your portfolio stays aligned with your risk tolerance and financial goals. Rebalancing can help you lock in profits from certain funds and reinvest in others.
Active vs. Passive: While your index fund choice gives market-average returns, you might benefit more from actively managed large-cap funds in the long run.
Small Cap Exposure: Reduce your exposure to small-cap funds, as they carry more risk. Having one small-cap fund is usually sufficient for the average investor. Consider adding a balanced or multi-cap fund for more stability.
Continued Discipline: Investing for 10-20 years requires patience. SIPs take time to deliver their full potential, especially in volatile markets. Stay disciplined, and avoid pausing or stopping your SIPs based on market fluctuations.
By following these steps and making small tweaks, you can create a more balanced and growth-oriented portfolio. Keep a long-term perspective and regularly increase your investments to reach your financial goals.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Oct 09, 2024 | Answered on Oct 09, 2024
सर, आपके सुझावों के आधार पर मैंने नीचे दिए गए MF में SIP शुरू करने का फैसला किया है:
लार्ज कैप
1. ICICI प्रूडेंशियल ब्लूचिप फंड- 500 रुपये प्रति माह
2. SBI ब्लूचिप फंड- 500 रुपये प्रति माह
3. निप्पॉन इंडिया लार्ज कैप फंड- 500 रुपये प्रति माह
4. HDFC टॉप 100 फंड- 500 रुपये प्रति माह
कुल राशि: 2000 रुपये प्रति माह
बैलेंस्ड फंड
1. ICICI प्रूडेंशियल इक्विटी और डेट फंड- 500 रुपये प्रति माह
2. UTI एग्रेसिव हाइब्रिड फंड- 500 रुपये प्रति माह
कुल राशि: 1000 रुपये प्रति माह
मल्टी कैप
1. निप्पॉन इंडिया मल्टी कैप- 500 रुपये प्रति माह
2. क्वांट एक्टिव फंड- 500 रुपये प्रति माह
कुल राशि- 1000 रुपये प्रति माह
कृपया उपरोक्त पर अपनी टिप्पणी दें? क्या मुझे उपरोक्त प्रस्तावित पोर्टफोलियो के साथ अपना SIP शुरू करना चाहिए?
Ans: आपके प्रस्तावित पोर्टफोलियो में लार्ज-कैप, बैलेंस्ड और मल्टी-कैप श्रेणियां शामिल हैं, जो विविधीकरण के लिए एक अच्छा प्रारंभिक बिंदु है। हालांकि, प्रत्येक म्यूचुअल फंड श्रेणी और फंड चयन को आपके दीर्घकालिक लक्ष्यों, जोखिम सहनशीलता और वर्तमान वित्तीय परिदृश्य के साथ संरेखित करने की आवश्यकता है।
इस पोर्टफोलियो के साथ आगे बढ़ने से पहले, इन प्रमुख बिंदुओं पर विचार करें:
फंड ओवरलैप: कई लार्ज-कैप फंड में निवेश करने से एक ही स्टॉक ओवरलैप हो सकता है, क्योंकि लार्ज-कैप फंड आम तौर पर समान कंपनियों में निवेश करते हैं। यह विविधीकरण को सीमित कर सकता है।
बैलेंस्ड फंड: आपके बैलेंस्ड फंड, जो इक्विटी और डेट को मिलाते हैं, कुछ स्थिरता के लिए उपयुक्त हैं। हालांकि, यह जांचना आवश्यक है कि क्या वे आपके जोखिम-रिटर्न प्रोफ़ाइल और स्थिरता बनाम विकास के लक्ष्यों से मेल खाते हैं।
मल्टी-कैप: मल्टी-कैप फंड मार्केट कैप में विविधतापूर्ण जोखिम प्रदान करते हैं, जो दीर्घकालिक विकास के लिए अच्छा है। हालांकि, सुनिश्चित करें कि आप उनके द्वारा लाए जा सकने वाले अंतर्निहित अस्थिरता से सहज हैं।
अपने लक्ष्यों और प्राथमिकताओं के लिए सबसे उपयुक्त योजना सुनिश्चित करने के लिए, प्रमाणित वित्तीय योजनाकार (सीएफपी) या म्यूचुअल फंड वितरक (एमएफडी) से परामर्श करना उचित है। वे निम्नलिखित कारकों पर विचार करते हुए एक अनुकूलित और व्यापक योजना प्रदान कर सकते हैं:
आपके समग्र वित्तीय लक्ष्य।
निवेश क्षितिज।
जोखिम उठाने की क्षमता।
फंड प्रदर्शन स्थिरता।
यह व्यक्तिगत सलाह आपको एक ऐसा पोर्टफोलियो बनाने में मदद कर सकती है जो विकास और सुरक्षा को प्रभावी ढंग से संतुलित करता है।
सादर,
के. रामलिंगम, एमबीए, सीएफपी,
मुख्य वित्तीय योजनाकार,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
इस पोर्टफोलियो के साथ आगे बढ़ने से पहले, इन प्रमुख बिंदुओं पर विचार करें:
फंड ओवरलैप: कई लार्ज-कैप फंड में निवेश करने से एक ही स्टॉक ओवरलैप हो सकता है, क्योंकि लार्ज-कैप फंड आम तौर पर समान कंपनियों में निवेश करते हैं। यह विविधीकरण को सीमित कर सकता है।
बैलेंस्ड फंड: आपके बैलेंस्ड फंड, जो इक्विटी और डेट को मिलाते हैं, कुछ स्थिरता के लिए उपयुक्त हैं। हालांकि, यह जांचना आवश्यक है कि क्या वे आपके जोखिम-रिटर्न प्रोफ़ाइल और स्थिरता बनाम विकास के लक्ष्यों से मेल खाते हैं।
मल्टी-कैप: मल्टी-कैप फंड मार्केट कैप में विविधतापूर्ण जोखिम प्रदान करते हैं, जो दीर्घकालिक विकास के लिए अच्छा है। हालांकि, सुनिश्चित करें कि आप उनके द्वारा लाए जा सकने वाले अंतर्निहित अस्थिरता से सहज हैं।
अपने लक्ष्यों और प्राथमिकताओं के लिए सबसे उपयुक्त योजना सुनिश्चित करने के लिए, प्रमाणित वित्तीय योजनाकार (सीएफपी) या म्यूचुअल फंड वितरक (एमएफडी) से परामर्श करना उचित है। वे निम्नलिखित कारकों पर विचार करते हुए एक अनुकूलित और व्यापक योजना प्रदान कर सकते हैं:
आपके समग्र वित्तीय लक्ष्य।
निवेश क्षितिज।
जोखिम उठाने की क्षमता।
फंड प्रदर्शन स्थिरता।
यह व्यक्तिगत सलाह आपको एक ऐसा पोर्टफोलियो बनाने में मदद कर सकती है जो विकास और सुरक्षा को प्रभावी ढंग से संतुलित करता है।
सादर,
के. रामलिंगम, एमबीए, सीएफपी,
मुख्य वित्तीय योजनाकार,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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