Ans: Hello Girish. Your portfolio report is in good shape. From your current 12k sips per month, I would suggest increasing it to 60-70k sips per month to achieve the corpus of 2 Cr in 10 years. A better peer group scheme should be considered instead of the Small cap category schemes i.e. Franklin and HDFC. For your future investment, you may include Multicap category in your portfolio.

Ans: Hello Rahul, Please consider your financial advisor who held expertise in direct stocks. Thanks

Ans: Hello Dasarathan, Please consider your financial advisor who held expertise in direct stocks. Thanks

Ans: Hi Value Investor. It appears that your portfolio has a sound report. It would be advisable to reconsider the Axis AMC with better peer schemes except Axis Smallcap fund.

Ans: Hi Jaskaran. Your current investment portfolio shows that 80% of your investments are in one AMC i.e. HDFC. Hence, I would suggest that AMC-wise diversification is required in your portfolio. In addition, I recommend you to add large & mid , and small cap categories in your future investments with proper allocations.

Ans: Hello Samrat. I would suggest to start a monthly sip of 20-25k to achieve a goal of 15 Lakhs in 4 years. In accordance to your requirement , I would recommend to invest in categories like Balance Advantage , Large cap, Large & Midcap and Flexicap etc.

Ans: Hello Investor, Please consider your financial advisor . Thanks

Ans: Hello Value Investors. Please quantify your investment constraints.

Ans: Hello Metesh. Overall your portfolio report sounds very promising. I must say that you have conducted thorough research on the market. The sbi focused equity scheme may need to be reconsidered in comparison to peer schemes. Furthermore, in addition to achieve a corpus of 10 crores in the coming years, I would suggest you increase your sip and include an annual add-on to your current sip amount. In view of the fact that 65k sip will not suffice to accomplish your goals.

Ans: Hi Value Investor. Thanks for discussing your requirements and future goals. For the goal of 7-8 Lakh., you can easily start sip in mf of around Rs.15000 in categories like large & midcap, Multicap , Mid cap and Balanced Advantage Funds etc. Starting with Rs.15000 on a monthly basis can help you achieve the Child Education goal.

Ans: Hello Debanshu. You may consider midcap, small cap and flexicap categories for your sip additions/increase based on your age and investment time horizon.

Ans: Hello Narendra .Please consider your financial advisor who held expertise in direct stocks. Thanks

Ans: Hello Investor .Please consider your financial advisor who held expertise in direct stocks. Thanks

Ans: Hello Mayank. Please quantify your investment constraints.

Ans: Hello Rathijit. Based on your age and your requirements, I can see that your risks diversification is well maintained. Regarding your question about whether the schemes are good or not. I can see there is over diversification in your current portfolio. Try to concise your portfolio for ELSS investment.

Ans: Hello Vaihayasi. Your daughter can start investing in Mutual Fund with nominal amount of Rs.100. Nowadays many AMC offers sip with Rs. 100. Since she is beginner and a young investor, she can invest in large cap category with low risk appetite. In the future, I would advise her to diversify her investments.

Ans: Hello, Abhishek. Overall, your portfolio reports sound very promising. I must say that you have conducted thorough research on the market. Your current sip allocation is well aligned with market. Mirae Asset NYSE FANG+ ETF has major allocation in Global equity and its sector specific, you may be conservative while moving forward.

Ans: Hello Mahesh. Please quantify your investment constraints.

Ans: Hello there, Investor. I would say you are on the right track towards your financial objectives. Your portfolio report appears to be in good shape. The current diversification is correctly invested in accordance with your requirements. To achieve a corpus of 4 Cr for retirement, I would recommend increasing your monthly sip allocation to approximately 22k. Alternatively, you could increase the sip step by 20% each year.

Ans: Hello , Girish. Based on your current portfolio, you appear to be an aggressive risk taker. I would advise you to reconsider your small cap funds in favour of better peer schemes. Additionally, you can increase your investment to 50k on a monthly sip in order to reach the target of Rs. 2 Cr in 10 years. You could also consider sip top up your current sips for semi-annually or yearly to achieve your goal

Ans: Hi Rahul. Assuming your time horizon being in range of 3-6 years. You may invest with Large & mid cap and Multicap category In MFs.

Ans: Hello Samrat. To achieve a corpus of 14Lakhs in 4 years, you may invest 20-22K in monthly sip. With your age factor and said time horizon, I would suggest to invest in categories like Large Cap, Large & Mid cap, and Flexi cap categories. You may consider high proportion in Large & mid cap categories.

Ans: Hello Rakesh, Please consider your financial advisor who held expertise in direct stocks and IPOs. Thanks

Ans: Hello Krishnaswami, Please consider your financial advisor who held expertise in direct stocks. Thanks

Ans: Hello Bismit, Age plays an major role for individual investment style. Since your investment already lies in Large cap category. I would suggest to start allocating your amount in large & mid cap, and Flexi cap categories for future investments.

Ans: Hello Deepak, please consult your Chartered Accountant for the same.

Ans: Hello Investor , Please consult your Chartered Accountant for the same.

Ans: Hello Swapnil, please consult your tax advisor for the same.

Ans: Hello Vasu, please consult your Chartered Accountant for the same.

Ans: Hello Sadiqulla, please quantify your investment constraints.

Ans: Hello Investor, Please consider your financial advisor who held expertise in direct stocks. Thanks

Ans: Hello Sambhaji, please briefly ask your question

Ans: Hello Bhavesh, please consult your tax advisor for the same

Ans: Hello Rahul, please quantify other details as well like time horizon and goals, etc.

Ans: Hi S. Rajaram. As per the research of Investica below funds are rated highly
IDFC, Quant, Canara robbeco

Thanks

Ans: Hie Tarun. Based on your investment, you should have an aggressive tilt while investing. Hence leverage on Mid cap & small cap funds in your portfolio, . For a detailed investment plan consult a financial advisor who can draw your personalized investment plan

Ans: Hie Ramchandra. Base on your age, you should have a conservative tilt while investing. Hence focus more on hybrid and large-cap funds. For detailed investment plan consult a financial advisor who can draw your personalized investment plan

Ans: hello Ravi

It's great that you're thinking about investing in mutual funds at a young age. Here are some general guidelines to help you get started:

Determine your investment goals: Start by figuring out what you want to achieve with your investment. Do you want to save for a down payment on a house, build an emergency fund, or create a retirement nest egg? Having clear goals will help you choose the right investment vehicle.

Assess your risk tolerance: Consider how much risk you're comfortable taking with your investment. Younger investors generally have a longer time horizon for their investments to grow, so they can afford to take on more risk.

Consider your asset allocation: Diversification is important to help manage risk. Consider dividing your investment among different asset classes, such as stocks, bonds, and cash.

Consider the mutual fund's investment style and past performance: Look at the fund's investment objectives, the types of securities it holds, and its past performance.

Remember that investing in mutual funds is a long-term strategy, and it's important to be patient and stick to your investment plan. It's also a good idea to periodically review your portfolio to make sure it's aligned with your goals and risk tolerance.

Consulting a financial advisor can be helpful in creating a personalized investment plan that takes into account your specific goals, risk tolerance, and financial situation

Ans: It's not possible to predict with certainty if India is headed for a recession or not, and even if it was, it's not advisable to make investment decisions based solely on macroeconomic events. Market timing is a difficult game and attempting to buy low and sell high based on macroeconomic events is often unsuccessful.

Investing in mutual funds is a long-term strategy and it's important to have a well-diversified portfolio that aligns with your financial goals and risk tolerance. A recession could have short-term effects on the market, but historically, markets have recovered over time.

If you are considering investing in mutual funds, it's important to do your own research and consult a financial advisor to understand the risks and potential rewards associated with different types of funds.

Ans: Hello Nadeem

In lieu of your investment horizon and risk willingness, you should be considering investing in "large & mid cap" category. For detailed investment plan, i should know your all other constraints. Thanks!

Ans: Whether it is a good option to pay off your car loan with mutual fund money depends on your personal financial situation and goals. Here are a few factors to consider:

Opportunity cost: Consider the potential opportunity cost of selling your mutual funds. If the mutual funds have appreciated in value and are likely to continue growing, selling them to pay off your car loan could result in losing out on future gains.

Risk tolerance: Mutual funds are a type of investment that carries some level of risk. Consider your overall risk tolerance and investment goals before making a decision.

Liquidity: Consider the liquidity of your mutual funds and the timeline for your car loan. If you may need access to the funds in the near future, it may not be a good idea to sell them to pay off your car loan.

Interest rates: Compare the interest rate on your car loan to the expected return on your mutual funds. If the interest rate on your car loan is high and the expected return on your mutual funds is low, it may make sense to use the funds to pay off the loan.

Ultimately, the decision to pay off your car loan with mutual fund money should be made after considering your unique financial situation and seeking advice from a financial advisor or tax professional.

Ans: Hello investor! Its great you have a solid intent to build your retirement corpus and money for child education, to help you effectively. I would be needing further quantitative details like the age of retirement and investment horizon for children's education. for longer horizon goals mid-cap funds are always been preferred in the portfolio

Ans: Hello Jaydip

As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

Ans: Hello Investor
As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

Ans: Hello Gagan

As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

Ans: Hello Pradeep

As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

Ans: Hello Veda
As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

Ans: Hello R
As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

Ans: Hello Rohit

As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

Ans: Hello N

As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.