Hii i am a banker since 2015. i am working in a nationalised bank but i want to switch the job and try to get another better govt job. to mujhe kis exam ke lie prepration karna chahie or esi govt job bataie jaha mere experience ko bhi count kia jaae or mujhe bohot zaada exam crack karne ke lie prepration na karni padhe kyuki mere paas time ka bohot shortage hai. please guide me

Ans: You are only 34 years old.
That gives you good time to grow your wealth.
Investing in flexicap, largecap, midcap and smallcap is a smart mix.
This structure supports both stability and long-term compounding.
Rs. 5000 SIP is a steady commitment at this stage.

Now you want to add one more fund for better balance.
That’s a wise move. But selection must be done with care.

Let’s evaluate the options in front of you.

Understanding Contra Funds and Their Role

Contra funds follow a different style of investing.
They invest in unpopular or underperforming sectors or companies.
They believe those areas will turn around in future.

Contra strategy works well in volatile or sideways markets.
It needs patience and long-term holding to see results.
Not suitable for short-term goals or conservative investors.

A contra fund can be used by mature investors with experience.
But for many young investors, it brings complexity and delay in returns.

So, if you select contra fund, invest with patience for 7 years or more.
And make sure the rest of your portfolio is stable.

What About Sector-Based Funds Like Technology or Infrastructure?

Sectoral funds invest in just one theme or sector.
Like technology or infrastructure or pharma.
They carry high risk and high return potential.

If the sector performs, returns are very strong.
But if sector fails, returns may be poor for many years.

These funds need right timing and sector understanding.
They are not suitable for core portfolio.
You should not use these for balancing your main holdings.

Use them only if you have surplus money for experimental investing.
Limit exposure to 5% of your total portfolio only.

So, if you have Rs. 5,000 monthly SIP,
Sector funds should get no more than Rs. 250 per month.

What About PSU-Themed Funds?

PSU-focused funds invest in government-run companies.
These companies usually operate in banking, oil, power, etc.
Their returns depend on government policy and reforms.

They may perform well during economic growth and PSU revival cycles.
But they underperform when reforms are slow or global issues rise.

PSU funds are very cyclical.
They are not meant for steady long-term compounding.
They are also not suitable as a core fund in your structure.

Like sector funds, keep PSU exposure low.
These should not disturb your main diversified portfolio.

How to Choose the Right Balancing Fund

At your age and SIP stage, you need one thing: stability with long-term growth.
So, adding a fund that works across market cycles is better.

The right choice is not theme-based, not sectoral.
Instead, go with a well-managed diversified fund with active strategy.
This gives smoother returns and keeps your portfolio well-balanced.

Diversified funds have exposure across all sectors.
The fund manager shifts allocation as per market needs.
This is safer and more effective than single-theme funds.

Also, make sure your investment is in regular plan through Certified Financial Planner.
Regular plan gives you expert support and monitoring.

If you invest directly, you miss timely rebalancing and expert advice.
Direct funds look cheaper, but harm you with wrong fund choices.
With regular funds, the CFP helps in tracking and review.

That helps you stay on track with your goals.

What to Do If You Still Want Exposure to a Thematic Idea

If you still want to invest in a contra or sector idea,
Limit your exposure to 5% or 10% of total SIP only.
This helps you take benefit if the theme works.
But it does not disturb your main portfolio.

Always consult your Certified Financial Planner before investing in themes.
Don’t go by news, YouTube or peer suggestions.
Proper review is important before adding such funds.

Make sure your core portfolio has at least 80% in diversified funds.
This includes flexicap, largecap, and balanced allocation funds.
Only 20% or less should go into thematic funds if needed.

Final Insights

You are doing very well with your current strategy.
Age 34 is ideal time to focus on building strong investment base.
Your mix of flexi, large, mid and small cap is balanced.

Now you are thinking of adding one more fund.
That is fine, but avoid sector and PSU-based funds for this purpose.

Instead, go with a diversified active fund under regular plan.
That gives you smoother returns and risk-managed growth.

If still curious about contra or sector-based funds,
Use them only for experimentation. Keep exposure very low.
Monitor performance every 6 months. Don’t add more if not performing.

All your SIPs should be tracked by a Certified Financial Planner.
This gives you 360-degree support for risk, tax and goals.
Avoid random suggestions and social media-based fund ideas.

Invest with a purpose, review regularly and act with discipline.
That’s how real wealth is created over time.

For scheme-specific recommendation, please contact an MFD-CFP one-on-one.


Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment