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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 09, 2021

Mutual Fund Expert... more

Question by Imtiyaz on Jun 09, 2021Hindi

Money

I have 10 lakh to invest. I want to invest for short term for 18 to 24 month. I have invested 2 lakh in Motilal Oswal Multi Asset Fund - Regular Growth.

Can you suggest which MF to buy for remaining 8 lakhs.

Ans: Best suited fund for 18 to 24 months are Debt – Short duration Funds.

HDFC Short term Fund – Growth can be considered

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 14, 2021

Question by ANUJ - May 14, 2021Hindi

Money

I'm seeking advice on the following: a. Planning to invest 10k per month in MF for a long term with an objective of wealth creation. Risk appetite is moderate. Please suggest funds. b. Planning to invest 10Lakh for short term, 6months to 12 months holding. Please suggest some debt funds.

Please be informed, that the Equity oriented schemes (Equity / Hybrid) come under high to very high risk categories and not moderate. Therefore, Hybrid balanced advantage can only be considered which has moderately high risk.

ICICI Pru Balanced advantage fund - Growth
Union Balanced advantage fund -- Growth
Tata Balanced advantage fund growth

For 6 to 12 months you may look at low duration funds as under:

Icici Prudential Savings Fund - Growth
Aditya Birla Sun Life Low Duration Fund - Growth-
Hdfc Low Duration Fund - Retail- Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 17, 2022

Question by Hrehaan - Oct 17, 2022Hindi

Money

I am 34 year old planning for long term investment and wealth creation, may be around 15 years. Currently I have 2 sips Tata Digital India fund direct growth 5k Quant tax plan direct growth 3k Please suggest some good MF for future.

Ans: You may additionally consider from below:

Axis Esg Equity Fund - Growth
Uti Flexi Cap Fund-growth
Hdfc Index Fund - Sensex Plan - Growth
Samco Flexi Cap Fund - Growth

Ramalingam Kalirajan |6999 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Question by Srinivas - Apr 12, 2024Hindi

Money

Hi sir.I am srinivas.my age is 43 investing from fast 1yr in sbi small cap fund(10,000). I want to invest more pls suggest some mfs

Ans: Considering your investment in SBI Small Cap Fund, you may diversify your portfolio by adding funds from different categories like large cap, multi-cap, or balanced funds. Always research and consult a financial advisor before investing.

Ramalingam Kalirajan |6999 Answers |Ask -Follow

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

Asked by Anonymous - Apr 12, 2024Hindi

Money

I want to invest Rs 7 lakhs lump sum in MF for 5-7 years time. Can you please suggest best MF. I am 57 years old and will superannuate in 3 years time.

Ans: It's wise to plan your investments with retirement on the horizon. Here are some suggestions for your lump sum investment:

Consider a mix of equity and debt mutual funds to balance growth potential with stability.
For equity exposure, opt for diversified equity funds or large-cap funds to minimize risk.
Additionally, allocate a portion to debt funds or hybrid funds to provide stability and income generation.
Given your investment horizon of 5-7 years, focus on funds with a proven track record of consistent performance.
Regularly review your investments and make adjustments as needed based on changes in your financial goals and market conditions.
Remember, investing is a long-term journey, and staying disciplined and diversified is key to achieving your financial objectives.
Consult with a Certified Financial Planner to receive personalized advice tailored to your specific needs and goals.
By carefully selecting mutual funds that align with your risk tolerance, investment horizon, and financial goals, you can work towards building a robust investment portfolio for your retirement years.

Latest Questions

Ramalingam Kalirajan |6999 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 09, 2024

Question by Vimal - Nov 09, 2024Hindi

Money

During younh age 3 credit carf payment were delayed and settled bu bank. My cibil score now is 765 this is due to past faults 20yrs back. How can i rectify iy?

Ans: Since your CIBIL score is now a strong 765, it reflects a solid recovery despite past issues. However, to further improve it, focus on maintaining a perfect repayment history for all current credit. Avoid closing old accounts with good history, as they contribute positively. Regularly monitor your CIBIL report to ensure no errors. Over time, consistent and responsible credit behavior will enhance your score further.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Milind Vadjikar |599 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 09, 2024

Asked by Anonymous - Nov 09, 2024Hindi

Money

Hello All . Looking for some advice I am 36 yr old and working class with Sal of 32 lakhs per annum Current savings are 33 lakhs in PPF / PF and Gratuity 3 lakhs in Shares and Mutual Fund 10 lakhs in Physical Gold 20 lakhs in Cash Liabilities Home loan outstanding 30 lakhs I wish to retire with corpus of 5cr and at age of 50 What do you think should change in my current portfolio

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

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Asked by Anonymous - Oct 10, 2024Hindi

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I am 6 weeks pregnant. Only the gestational sac is visible. There is no heartbeat. I am worried and sad. What could be the possibility? Please help.

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Question by chandini - Apr 29, 2024Hindi

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Hi iam 32 year old mechanical engineering graduate. Iam a home maker since I completed my graduation. Now I want to do something in my life, learn different things, earn along with taking care of my family(husband and children). Iwas a very good student till engineering 2nd year then I lost interest because of stagnant studies in our college and no practicality. No one was there to guide us in our college. Now iam getting from my deep with in I should do something, I should learn and grow daily. I should earn and be financially independent and free financially till the age of 42. Can you please suggest me what are my opportunities, how can I grow ? Iam also interested in mathematics and history, these days I have a liking towards computer sciences too. What will you suggest?

Ans: Great question. Why 42. You will start earning from 2025 only. Just go for some certification course of DATA SCIENCE which will include AI cum Machine Learning. Since you are an engineer this course won't be a problem for you. Just before joining the course for 1-2 months see the YOU TUBE videos about coding. Never it is too late. It is good your self motivation is ignited yoir mind to do something. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

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Question by Dr - Jun 25, 2024Hindi

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What are the future prospects after IISER graduation?

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Is btech agriculture engineering is good option because i have interest intech and agriculture

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I am 33 old female IT engg. I started preparing for govt exam right after graduation but didn't able to clear single one. During this course, also i got married but now i want to start a career but i am clueless which field i should start because of such huge gap. Please guide me

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Asked by Anonymous - May 02, 2024Hindi

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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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