विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Ans: Investing Rs. 5,000 per month in mutual funds is a great decision. This approach builds long-term wealth through disciplined investments. Let’s break it down into diversified categories for better risk management and potential growth.

Suggested Allocation of Rs. 5,000 Across Different Funds
1. Large-Cap Mutual Fund (Rs. 1,000 per month)

Large-cap funds invest in top 100 companies by market capitalisation.
They offer stability and moderate growth.
Suitable for wealth protection during volatile markets.
2. Mid-Cap Mutual Fund (Rs. 1,000 per month)

These funds invest in medium-sized companies with high growth potential.
They balance risk and returns better than small-cap funds.
3. Small-Cap Mutual Fund (Rs. 1,000 per month)

Small-cap funds invest in emerging companies with high growth opportunities.
They carry a higher risk but can yield superior long-term returns.
Allocate cautiously based on your risk appetite.
4. Flexi-Cap Fund (Rs. 1,000 per month)

Flexi-cap funds invest across large, mid, and small-cap stocks.
Fund managers actively manage allocations based on market conditions.
They offer both growth and risk diversification.
5. Sectoral/Thematic Fund (Rs. 1,000 per month)

These funds focus on specific sectors like technology, infrastructure, or healthcare.
Higher risk due to concentration but can yield exceptional returns during sectoral growth.
Limit exposure to maintain balance in the portfolio.
Key Insights
Avoid Direct Funds: Direct funds require regular monitoring and knowledge.

Benefits of Regular Funds: Invest through a Certified Financial Planner (CFP) and Mutual Fund Distributor (MFD). They provide expert advice and portfolio management support.

Diversify Wisely: Diversification across categories ensures balanced growth and risk reduction.

Consistency is Key: Continue investing for 10+ years to maximise compounding benefits.

Review Annually: Reassess your investments regularly to align with market changes and financial goals.

Final Insights
Your decision to invest early is impressive. Starting at 24 gives you the benefit of time and compounding. With discipline and consistent investments, you can achieve significant wealth over the long term. Stick to this structured approach and review your portfolio periodically for continued success.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment