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Mayank

Mayank Rautela  | Answer  |Ask -

HR Expert - Answered on Oct 12, 2022

Mayank Rautela is the group chief human resources officer at Apollo Hospitals.
A management graduate from the Symbiosis Institute of Management Studies with a master's degree in labour laws from Pune University, Rautela has over 20 years of experience in general management, strategic human resources, global mergers and integrations and change management.... more
Santosh Question by Santosh on Oct 12, 2022Hindi
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Career

Hi Mayank.
My age is 45 years and total I have 20 years of experience in India and Gulf. I have worked in multiple roles such as Administration/Secretary (2000 to 2012) in India and Heath & Safety Department (2012-till date) in Gulf.
I don’t know in which role I should continue because I have more experience in Administration field but from last 8 years I am not in touch with this field. In Heath & safety job, it is site based job and once the site job finished then again I have to search for job (may be every 2-3 years) so I don’t want to continue in this type of Temporary job.
Another problem is my age i.e. 45 years. I again started looking for administration/secretary job but they need young people (30- Max. 40 yrs).
So I am confused what to do. The age is also a factor of not getting job.
Regards,
Santosh Naidu

Ans:

Hi Santosh.

Age is not really a factor in today's times when skilled manpower is difficult to get.

Take the job that you have better skills for and the one that you enjoy more.

Career

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Ramalingam

Ramalingam Kalirajan  |8615 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 31, 2025

Money
Hi sir, My age is 45 years. I am currently investing in SIPs in mutual funds, ICICI Prudential Bluechip Fund Growth (RS 2500) and Motilal Oswal Large and Midcap Fund Growth (Rs 3000), Quant mid cap (RS 3000), Kotak equity emerging (RS 3000) and Parag Parikh flexicap (RS 4000). My risk profile is high and my investment horizon is up to the age of 55 years. I will require approx 1cr for my kid's education after 10 years and for retirement (1 cr) after 10 years. I have stopped SIPs in Axis small Cap fund and Mirae Asset Emerging Bluechip Fund Growth and their amount of 56000 and 264000 has not yet been redeemed. My total investments in till date is approx 9.85 lakhs. Also I can invest up to Rs 25000/pm in SIPs. I also want to do rebalancing of Axis small Cap and Mirae Asset Emerging Bluechip Fund Growth fund amounts in small caps and hybrid fund, pls suggest. Is my porfolio suitable as per my goal. Pls suggest.
Ans: Your discipline towards mutual fund investing is admirable. You already have a good head start with your current investments. But let’s assess your portfolio, rebalance it smartly, and align it with your goals clearly.

Here is a complete 360-degree assessment of your mutual fund portfolio.

 

Portfolio Suitability as per Your Goals
You are 45 years now. Your key goals are after 10 years.

 

You want Rs. 1 crore for your child’s education.

 

You also want Rs. 1 crore for your retirement corpus.

 

These goals are achievable. But your portfolio needs alignment.

 

Your SIPs are currently Rs. 15,500. You can go up to Rs. 25,000.

 

This gives you room to restructure and grow your wealth.

 

Your risk profile is high. This supports growth-oriented funds.

 

Your investment horizon of 10 years is very reasonable.

 

So, equity-oriented funds can play a major role here.

 

You also need to reduce overlapping and duplication in categories.

 

Based on your age and goals, a proper category mix is important.

 

Also, monitoring performance is key to long-term success.

 

Evaluation of Current Portfolio
You have invested in large cap, large & mid cap, mid cap and flexicap.

 

This is a good mix across market cap segments.

 

However, some schemes have overlapping exposure.

 

You had SIPs in two good schemes that are now discontinued.

 

The Axis small cap fund has Rs. 56,000 invested.

 

The Mirae Asset emerging bluechip has Rs. 2.64 lakhs invested.

 

These are idle now. They must be rebalanced as per your strategy.

 

Total investment till now is approx Rs. 9.85 lakhs.

 

Your ongoing SIPs are across 5 different categories.

 

Portfolio rebalancing is needed to avoid overexposure.

 

There is no allocation to hybrid or balanced advantage funds.

 

You can add those for stability, especially as you age.

 

You need a mix of growth and risk control over the next 10 years.

 

Recommended SIP Structure
You are willing to invest Rs. 25,000 per month in SIPs.

 

That gives you Rs. 9.5 lakh of new investment in the next 3 years.

 

For proper diversification and balance, follow this structure:

 

Large Cap Fund – Rs. 4,000 monthly

 

Large & Mid Cap Fund – Rs. 4,000 monthly

 

Mid Cap Fund – Rs. 5,000 monthly

 

Flexicap Fund – Rs. 5,000 monthly

 

Hybrid Aggressive or Balanced Advantage Fund – Rs. 5,000 monthly

 

Small Cap Fund – Rs. 2,000 monthly

 

This structure ensures broad diversification and better returns.

 

It also provides smoother journey with balanced allocation.

 

Rebalancing of Existing Idle Investments
Axis Small Cap fund holding is Rs. 56,000.

 

Mirae Asset Emerging Bluechip Fund holding is Rs. 2.64 lakhs.

 

These amounts should not lie idle or underperform.

 

You can redeem these and reinvest as follows:

 

Rs. 1.5 lakh to hybrid aggressive fund or balanced advantage fund

 

Rs. 1.2 lakh to a small cap fund of your choice

 

Use STP if you are shifting full amount to equity funds again.

 

Spread the switch over 6 to 9 months to reduce volatility risk.

 

This will bring back discipline and better long-term compounding.

 

It will also bring stability and growth into one basket.

 

How to Align Portfolio with Education and Retirement Goals
Your education and retirement goal both need Rs. 1 crore each.

 

So you need Rs. 2 crore in total after 10 years.

 

You already have Rs. 9.85 lakh invested.

 

You plan to invest Rs. 25,000 per month now.

 

This disciplined investing with proper fund mix will help.

 

Small cap, mid cap and flexicap will deliver long-term growth.

 

Hybrid and large cap will bring portfolio stability.

 

Rebalancing and yearly review will help you stay on track.

 

Avoid reacting to short-term volatility and stay invested.

 

Key Adjustments to Improve Returns
Avoid duplication in similar category schemes.

 

Select only one strong fund from each major category.

 

Shift idle lump sum into hybrid and small caps via STP.

 

Avoid sector funds, thematic funds or international funds now.

 

Increase SIP by 5% every year if income allows.

 

Review SIPs yearly. Drop laggards. Replace only after 3-year review.

 

Stick to 5-6 funds maximum in total.

 

Keep your funds manageable and meaningful.

 

Regular vs. Direct Funds
You should always invest through regular plans via a trusted MFD.

 

A Certified Financial Planner (CFP) can guide you better.

 

Direct funds may save some cost but give no advisory support.

 

They are for experts who understand the markets deeply.

 

Wrong selection in direct mode leads to poor returns.

 

In regular plans, your MFD with CFP gives continuous support.

 

This is key when markets are volatile or during fund underperformance.

 

Proper advice leads to better overall results than cost savings.

 

SIP Discipline and Risk Management
Continue SIPs without breaks. Markets may fluctuate.

 

But long-term SIPs deliver strong results with compounding.

 

Rebalance every year. Shift part of equity to hybrid over time.

 

In final 2 years before goal, reduce equity to protect capital.

 

Keep emergency fund in liquid mutual fund for peace of mind.

 

Review your portfolio performance every 6 months.

 

Track progress towards Rs. 2 crore goal.

 

Tax Considerations for Mutual Fund Investors
Equity fund long term capital gains (LTCG) over Rs. 1.25 lakh taxed at 12.5%.

 

Short term capital gains (STCG) taxed at 20%.

 

Debt and hybrid fund gains taxed as per your income slab.

 

Plan redemptions smartly to reduce tax outgo.

 

Use STP or SWP to manage taxes near goal maturity.

 

Insurance and Emergency Cover
Ensure you have health insurance and term life cover.

 

Keep 6 months’ expense in liquid fund as emergency buffer.

 

Do not mix insurance with investment.

 

No ULIPs, no endowment or money back plans.

 

Your focus must remain on mutual funds only.

 

Final Insights
Your investing habits are strong. You are consistent.

 

Your fund categories are well selected but need tweaking.

 

You must act on idle investments to improve overall returns.

 

Add hybrid and small cap exposure smartly.

 

Avoid over-diversification and direct plans.

 

Keep a long-term view and follow up every year.

 

Increase SIPs when possible and do goal-based planning.

 

You are on the right track. Some rebalancing will take you faster towards your goals.

 

Keep emotions out. Let data and strategy guide your investment path.

 

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

...Read more

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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