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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |696 Answers  |Ask -

General Physician - Answered on Mar 25, 2023

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more
sivaram Question by sivaram on Mar 24, 2023Hindi
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My physician has asked to undergo surgery and said it cannot be cured by medications, so asking you doctor

Ans: Kindly give your background as I do not recollect or can review earlier conversations
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ?2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ?2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ?2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ?5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ?5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ?5,000, (8) ICICI Pru Bluechip Fund(G) - ?5,000, (9) Axis Small Cap Fund - Regular Plan - ?5,000, (10) ICICI Prudential Technology Fund - Growth - ?5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ?5,000, (12) ICIPRU Multi-Asset Fund - Growth - ?5,000, (13) ICIPRU Value Discovery Fund - Growth - ?5,000. Thank You.
Ans: Based on your current Mutual Funds Investments, here are some recommendations:

Existing Investments:
ICICI India Opportunities Fund: Review the fund's performance and consider its alignment with your investment objectives. If it continues to meet your goals and performs well, you can consider keeping it.
ICICI Value Discovery Fund: Similar to the above, assess its performance and suitability. If it has delivered satisfactory results and fits your investment strategy, you may continue with it.
ICICI Transportation & Logistics Fund: Evaluate the fund's performance and prospects in the current market scenario. If you're confident in its future growth potential, you can maintain your investment.
New Fund Recommendations:
Consider diversifying your portfolio by adding funds from different categories such as large-cap, mid-cap, and flexi-cap.
Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy aligned with your risk profile.
Conduct thorough research or seek advice from a Certified Financial Planner or Mutual Fund Distributor to identify suitable options based on your financial goals and risk tolerance.
Review and Adjustments:
Regularly review the performance of your existing investments and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.
Monitor the expense ratios, fund manager's track record, and the overall portfolio diversification to ensure optimal investment outcomes.
By carefully assessing your existing investments and making informed decisions about new fund allocations, you can build a well-balanced and diversified Mutual Funds portfolio that aligns with your long-term financial objectives.

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Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Dear Sir, I am 34 yrs old and planning to start my MF / other investment journey. I have been regularly investing in Fixed Deposits and have made a good corpus out of it. I am looking for an investment for a long-term goal. I can invest up to Rs. 35,000/- per month. The risk appetite for me would be medium.
Ans: Starting your investment journey with a long-term goal in mind is a prudent decision. Here's a recommended approach for you:

Begin by diversifying your investment portfolio across different asset classes to manage risk effectively. While Fixed Deposits offer stability, consider allocating a portion of your funds towards equity-based investments such as Mutual Funds for potential growth over the long term.
With a medium risk appetite, opt for a balanced mix of equity and debt mutual funds. Equity funds have the potential to deliver higher returns over time, while debt funds provide stability and income generation.
Start with Systematic Investment Plans (SIPs) in mutual funds, which allow you to invest a fixed amount regularly. Allocate a portion of your monthly investment budget towards SIPs in equity funds to capture market growth opportunities.
Additionally, consider diversifying into other investment avenues such as Public Provident Fund (PPF) or National Pension System (NPS) to further strengthen your retirement savings.
Regularly review your investment portfolio and make adjustments as needed based on changes in your financial goals, risk tolerance, and market conditions.
Consult with a Certified Financial Planner or Mutual Fund Distributor to tailor an investment strategy that aligns with your specific financial objectives and risk profile. This personalized approach will help you navigate the complexities of the investment landscape and achieve your long-term financial goals effectively.

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Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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I am investing Rs 20 k pm in HDFC flexicap fund growth and wish to continue for next 10 years for wealth creation for retirement. Is that ok ?
Ans: Investing Rs 20,000 per month in HDFC Flexi Cap Fund Growth for the next 10 years for wealth creation towards retirement is a prudent decision. Flexi cap funds offer flexibility in asset allocation across market capitalizations, allowing the fund manager to capitalize on opportunities across different market segments.

However, before proceeding, consider the following:

Review Performance: Monitor the performance of HDFC Flexi Cap Fund regularly to ensure it aligns with your long-term investment objectives. Assess factors such as historical returns, consistency, and fund manager expertise.
Diversification: While HDFC Flexi Cap Fund provides exposure to a diversified portfolio of stocks, consider diversifying your investments across different asset classes and fund houses to spread risk effectively.
Risk Management: Evaluate your risk tolerance and ensure that the investment aligns with your risk profile. While equity investments offer higher growth potential, they also come with higher volatility. Ensure that you are comfortable with the associated risks.
Regular Review: Periodically review your investment strategy and make adjustments as necessary based on changes in your financial situation, market conditions, and investment goals.
Overall, investing in HDFC Flexi Cap Fund Growth for retirement wealth creation is a sound strategy, provided it aligns with your risk tolerance and long-term financial goals. Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and circumstances.

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Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello Sir, my age is 28yrs and I am investing in Mutual funds for last 6 years now. As of now I have monthly SIP of 2k in PPFAS Flexi cap fund and 2.5k in Mirae Asset Large and Midcap fund. I want to invest more 12k-15k per month. I want to invest these for my retirement corpus and I am open to take risks in Smallcap, Midcap, Thematic funds, etc.. Kindly suggest good funds to invest in. Is it good to invest in schemes of Quant Fund house.
Ans: Since you're open to taking risks and have a long investment horizon for your retirement corpus, investing in small-cap, mid-cap, and thematic funds can potentially offer higher returns over the long term. Here are some suggestions for funds to consider:

Small-cap Funds: These funds invest in stocks of small-sized companies with high growth potential. Consider reputable funds with a consistent track record of performance in this category.
Mid-cap Funds: Mid-cap funds focus on stocks of medium-sized companies, offering a balance of growth potential and risk. Look for funds managed by experienced fund managers with a strong track record.
Thematic Funds: Thematic funds invest in sectors or themes expected to perform well over time. Choose themes aligned with your investment objectives and outlook for future growth.
Regarding Quant Fund House, while they may offer innovative investment strategies, it's essential to conduct thorough research on their fund offerings, track record, and investment approach. Ensure they align with your risk profile and long-term goals before investing.

Lastly, consider diversifying your investments across multiple funds and asset classes to spread risk and maximize potential returns. Regularly review your portfolio and make adjustments as needed to stay aligned with your investment objectives. Consulting with a Certified Financial Planner can provide personalized advice tailored to your specific financial situation and goals.

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Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 10, 2024Hindi
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Hello Experts, I am 35 year old planning to have a corpus of ?5cr in next 20 years. I have 20lacs fixed deposit and invest in below mutual funds via SIPs and also planning to increase it by 5k per month Sukanya Samriddhi : 1.5 Lacs VPF : 1.2 Lacs NPS: 1.5 Lacs (Tier 1 - 75% equity) Monthly SIPs: Parag Parekh flexi cap - 5k UTI Index fund- 2k Kotak Emerging equity : 2k Mirae asset emerging bluechip: 1k SBI Blue chip: 1k Nippon India tax saver :0.5k Axis long term equity :1.5k Axis mid cap: 1k HDFC Mid cap opportunities: 1k Axis small cap fund: 5k
Ans: Given your age and goal of accumulating 5 crores in 20 years, your current investment strategy appears well-diversified. Here are some suggestions to optimize your portfolio:

Review Asset Allocation: Ensure your asset allocation aligns with your risk tolerance and long-term goals. Consider increasing exposure to equity for higher growth potential.
Increase Equity Allocation: Given your long investment horizon, consider gradually increasing your equity allocation to capitalize on potential market growth.
Regularly Monitor Performance: Periodically review the performance of your mutual funds and make adjustments if necessary to ensure they continue to meet your investment objectives.
Consider Tax Planning: Explore tax-efficient investment options such as ELSS funds and NPS Tier 1 for additional tax benefits.
Continue Systematic Investing: Maintain discipline in your SIP investments and consider increasing your SIP amounts over time to accelerate wealth accumulation.
Emergency Fund: Ensure you have an adequate emergency fund in place to cover unexpected expenses, typically equivalent to 3-6 months of living expenses.
By implementing these strategies and staying committed to your long-term financial goals, you can work towards achieving your target corpus of 5 crores in 20 years. Always seek professional advice from a Certified Financial Planner to tailor your investment strategy to your specific needs and circumstances.

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Ramalingam

Ramalingam Kalirajan  |1364 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hi, I invest 1.5 lacs per month in mutual funds through SIP. My current MF portfolio is of 71 lacs, and is mix of index, large, mid, and small cap funds. My goal is to have 15 cr in 15-20 yrs and retire. Please suggest a good mf mix. My current xirr is 22%.
Ans: Given your ambitious goal of accumulating 15 crores in 15-20 years, maintaining a diversified mutual fund portfolio is crucial. Here's a suggested mix:

Large Cap Funds: Allocate a significant portion of your SIP towards large-cap funds for stability and steady growth potential.
Mid and Small Cap Funds: These funds offer higher growth potential but come with increased volatility. Allocate a portion of your SIP towards them for higher returns.
Index Funds: Consider investing in index funds to capture the broader market's growth at a lower expense ratio.
Multi-Cap Funds: These funds offer flexibility to invest across market capitalizations based on prevailing market conditions. They provide a balanced approach to growth.
Balanced Advantage Funds: These funds dynamically allocate between equity and debt, offering downside protection during market downturns.
Review and Rebalance: Regularly review your portfolio's performance and adjust the allocation based on changing market conditions and your evolving financial goals.
Risk Management: While aiming for higher returns, ensure that your portfolio is diversified across asset classes to manage risk effectively.
Professional Advice: Consider consulting with a Certified Financial Planner to tailor a personalized investment strategy aligned with your financial goals and risk tolerance.
With disciplined investing, diversified allocation, and periodic review, you can work towards achieving your target corpus of 15 crores for retirement.

...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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