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28-Year-Old Investor Seeking Long-Term Advice: Portfolio Review & Future Investments

Samraat Jadhav |2171 Answers |Ask -Follow

Stock Market Expert - Answered on Aug 16, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Question by Nithin on Aug 15, 2024Hindi

Money

I am 28 year old working professional. I am currently investing in following funds and i have long term plans. Please give your views 1) Canara robeco blue chip equity fund - Large cap - 3000 2) Quant small cap fund - 4000 3) HDFC multi cap fund - 4000 4) Motilal oswal large and mid cap fund - 4000 5) I also have plan to either invest in mid cap or PSU or infrastructure fund fir long term. Minimum 10 years. What's your suggestion?

Ans: mid cap will be good for 10 years plus, dont go thematic. All other schemes looks good as of now.

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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Question by Pranabananda - Jun 15, 2022Hindi

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I am 48. I am investing in these funds for the last 5 years. Please suggest whether I can continue with this for another 10 years or need some changes. 1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH - Rs.1000 2) DSP MID CAP FUND--GROWTH - Rs.3000 3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH - Rs.2000 4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH - Rs.1000 5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH - Rs.1000 6) MIRAE ASSET TAX SAVER FUND-GROWTH - Rs.2000 7) HDFC CHILDRENS GIFT FUND-GROWTH - Rs.1000 8) AXIS FLEXI CAP FUND-GROWTH - Rs.3000 9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH - Rs.1500 10) MIRAE ASSET MIDCAP FUND-GROWTH - Rs.3000 11) NIPPON INDIA SMALL CAP FUND -GROWTH - Rs.1000 Sir, I have 5 lakh to invest for a long term say for 10 years. Please suggest in which fund to invest. Also suggest the mode of investment whether to invest as STP or in lump sum.

Ans: No further funds are required, you may invest in the same funds

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Head, Rank MF - Answered on Jul 21, 2022

Question by Prasad - Jul 21, 2022Hindi

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I am planning my investment for long term, i.e, at least 10 years. I have shortlisted 3 mutual funds. Please give your opinion on this. SBI Small Cap-4000 SBI Magnum midcap-3000 Parag Parikh Flexi cap-3000 Are these funds good or are there better options for long term investment?

Ans: These funds are good enough

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Mar 17, 2020

Question by khuzema - Mar 17, 2020Hindi

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I AM INVESTING IN BELOW FUNDS. PLEASE SUGGEST FOR LONG TERM GOAL WHICH FUND TO HOLD/START/EXIT. Fund name Catgory Star Rating Khuzema Shuja Reliance Vision Fund - RETAIL PLAN GROWTH PLAN Equity - Large & Mid Cap Fund 2 Reliance+Tax+Saver+Fund+-+Growth+-+Regular+Plan Equity - ELSS 1 Reliance-focused-equity-fund---regular-plan Equity - Focused Funds: 2 Axis Long Term Equity Fund - Growth - Equity - ELSS Equity - ELSS 5 Birla Sun Life Tax Relief 96 - Growth - Equity - ELSS Equity - ELSS 4 SBI Magnum Equity Fund - Growth - Equity - Diversified Equity - Thematic Funds: - Other 4 SBI Blue Chip Fund - Regular Plan - Growth Equity - Large Cap Funds: 3 SBI Magnum Tax Gain Scheme 93 - Dividend - Equity - Equity - ELSS 2 ICICI Prudential Value Discovery Fund - Regular Plan - Growth - Equity - Equity - Value Funds: 2 HDFC Top 200 Fund - Equity - Diversified HDFC Equity - Large Cap Funds: 3 Kotak Midcap Fund - Regular Plan - Growth - Equity - Diversified Equity - Mid Cap Funds: 3 Dsp-blackrock-top-100-equity-fund---regular-plan Equity - Large Cap Funds: 4 sundaram-rural-india-fund---regular-plan Equity - Thematic Funds: - Other 4

Ans: You may continue with the 5 & 4 rated funds; however for others better alternative is available

Equity – ELSS:

- Canara Robeco Equity Taxsaver Fund - Regular Plan - Growth

- BOI AXA Tax Advantage Fund-Regular Plan- Growth

- Aditya Birla Sun Life Tax Relief '96 - Growth Option

Equity - Large Cap Funds:

- LIC MF Large Cap Fund-Regular Plan-Growth

- Axis Bluechip Fund - Regular Plan - Growth

- Kotak Bluechip Fund - Growth

- Mirae Asset Large Cap Fund - Growth Plan

Equity - Mid Cap Funds:

- Motilal Oswal Midcap 30 Fund (MOF30)-Regular Plan-Growth Option

- DSP Midcap Fund - Regular Plan - Growth

Equity - Value Funds: Tata Equity P/E Fund Regular Plan -(Growth Option)

Equity - Focused Funds:

- Axis Focused 25 Fund - Regular Plan - Growth Option

- Motilal Oswal Focused 25 Fund (MOF25)- Regular Plan Growth Option

Equity - Large & Mid Cap Fund

- BOI AXA Large & Mid Cap Equity Fund Regular Plan- Growth

- Canara Robeco Emerging Equities - Regular Plan - GROWTH

- Tata Large & Mid Cap Fund- Regular Plan - Growth

Ramalingam Kalirajan |7548 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 15, 2024Hindi

Money

Hi iam 29 years old Currently I'm investing 2.5k in Mirae assets emerging bluechip fund. 2k in ICICI prudential technology fund. 1.5k in axis small cap fund. 1k in quant small cap fund. 1k in quant infrastructure fund. Are those funds good for long-term like 20 years plz answer.

Ans: Current Investment Overview

At 29 years old, you have a well-diversified portfolio. Your investments include:

Rs 2,500 in an emerging bluechip fund

Rs 2,000 in a technology fund

Rs 1,500 in a small cap fund

Rs 1,000 in another small cap fund

Rs 1,000 in an infrastructure fund

Evaluation of Fund Selection

Emerging Bluechip Fund

Potential for Growth: This fund targets mid-cap and large-cap stocks. These offer substantial growth potential over the long term.

Risk Factor: It carries moderate to high risk, suitable for your long-term horizon.

Technology Fund

Sector Focus: This fund invests in the technology sector. Technology is a rapidly evolving sector with high growth potential.

Volatility: Sector funds are more volatile. Diversification within your portfolio helps manage this risk.

Small Cap Funds

High Growth Potential: Small cap funds can offer high returns. They invest in smaller companies with significant growth potential.

High Risk: These funds are high-risk due to market volatility. Holding for 20 years can help ride out market fluctuations.

Infrastructure Fund

Sector-Specific Growth: Infrastructure funds invest in infrastructure projects. This sector can benefit from government policies and economic growth.

Moderate to High Risk: Sector-specific funds can be volatile. Diversifying across sectors helps balance your portfolio.

Benefits of Actively Managed Funds

Professional Management

Expertise: Actively managed funds are handled by experienced fund managers.

Research and Analysis: Fund managers conduct in-depth research to make informed investment decisions.

Flexibility

Dynamic Adjustments: Managers can adjust the portfolio based on market conditions. This can help mitigate risks and capitalize on opportunities.

Regular Monitoring: Continuous monitoring ensures the portfolio aligns with market trends and investment goals.

Disadvantages of Direct Funds

Lack of Professional Guidance

Self-Management: Direct funds require you to manage your investments. This involves research, analysis, and regular monitoring.

Time-Consuming: Managing direct funds can be time-consuming. It requires a thorough understanding of market dynamics.

Risk of Errors

Potential for Mistakes: Without professional advice, there's a higher risk of making investment errors. This can affect your returns.

Missed Opportunities: Lack of expertise can lead to missed investment opportunities.

Recommendations for Long-Term Strategy

Maintain Diversification

Balanced Portfolio: Continue diversifying across different sectors and fund types. This reduces risk and enhances growth potential.

Regular Review: Review your portfolio periodically. Ensure it remains aligned with your long-term goals.

Increase SIP Amount Gradually

Boost Investments: Gradually increase your SIP amounts. This helps in building a substantial corpus over time.

Compounding Benefits: Higher investments benefit from compounding returns, accelerating your wealth growth.

Consult a Certified Financial Planner

Expert Advice: Seek advice from a Certified Financial Planner. They can provide personalized recommendations based on your financial goals.

Holistic Approach: A CFP can offer a 360-degree financial solution, ensuring all aspects of your financial health are covered.

Final Insights

Your current investment strategy is solid for long-term growth. Diversify your portfolio, increase SIP amounts, and seek professional advice. This will ensure a secure and prosperous financial future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

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Ans: Sasmita, Informatics Practices (IP) students in Commerce have diverse employment prospects due to their integration of financial acumen and technical expertise. They can pursue careers in Chartered Accountant, Company Secretary, Cost and Management Accountant, and other areas of expertise. Technical careers in IP include data analyst, financial analyst, business analyst, actuarial science, and e-commerce specialist. Vocational programs integrating commerce with IT include Bachelor of Commerce in Business Analytics, Bachelor of Business Administration in Business Intelligence and Analytics, Bachelor of Management Studies with Information Technology, and MBA in Business Analytics, Finance, or Marketing. Postsecondary educational paths include Bachelor of Commerce with a specialization in Information Technology, Computer Applications, or Financial Technology Diplomas. All The BEST for Your Prosperous Future.

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Asked by Anonymous - Jan 17, 2025Hindi

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Then doctor asked her why she stopped and what I said, my wife said that he is asking for female staff and doctor said “I am a doctor and I am not having female staff and there is nothing male and female in doctor’s consultation” my wife got convinced and told me that we are continuing with this doctor and I also shaked my head as consent sign but not aware with the upcoming surprise and then she open her upper body part and doctor did the check up by pressing or whatever doctor does. And I was not ready for this So, I am still in trauma due to this, but I don’t want her to show her body to any male doctor. That picture comes again and again in my eyes. I don’t want to break my relation with wife, because we married 20 years before and we have 2 daughter and I love her too much. But she has disobeyed me and obeyed that doctor. I am in a trauma. What should I do to come out of this trauma. Please let me know.

Ans: To address your trauma, start by having an open and honest conversation with your wife about your feelings. Express your emotions calmly, without blame, so she can understand the depth of your discomfort and help you work through it. It's also crucial to recognize that trust and mutual respect are fundamental in any relationship. Your wife’s decision was likely driven by her need for medical care, not a desire to hurt or disobey you.

Consider seeking professional help for yourself. A therapist or counselor can provide a safe space for you to explore these feelings, work through the trauma, and develop strategies to cope with intrusive thoughts. They can also help you understand the importance of medical privacy and the necessity of certain procedures, which may ease your discomfort over time.

Additionally, you might want to explore couples counseling. This can help both of you navigate this situation together, rebuild trust, and strengthen your relationship. Remember, your goal is to maintain a loving and supportive partnership, and professional guidance can be instrumental in achieving that.

Your love for your wife and your desire to keep the relationship strong is evident. By addressing these feelings head-on and seeking support, you can move towards healing and maintaining the bond you cherish.

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Asked by Anonymous - Jan 17, 2025Hindi

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I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.

Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
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Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

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

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Insurance, Stocks, MF, PF Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi

Money

Woul like to invest a lump sum in mutual funds to get passive income monthly after one year. Please suggest the funds so that the principle amount is not eroded.

Ans: Hello;

Investment in mutual funds can lead to capital erosion, irrespective of the type of fund, since corpus of mutual funds are invested in the stock, bond or bullion markets which are fraught with risks.

You may invest your corpus in conservative hybrid debt type mutual funds which has higher exposure to debt and lesser exposure to equity.

Even in debt allocation choose fund that has higher allocation to Sovereign securities, PSU bonds and AAA rated corporate bonds.

Do an SWP at the rate of 3-4% pa and not more.

Best wishes;
@mars_invest

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Insurance, Stocks, MF, PF Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi

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Given the expected salary hike with the 8th Pay Commission, should I focus on high-return investments like mutual funds or opt for traditional tax-saving instruments like PPF and NPS?

Ans: Hello;

You may have judicious blend of both type of investments in your portfolio based on your risk appetite, financial profile, age and investment horizon.

Best wishes;
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Tax Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 02, 2025Hindi

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Sir, Me and my sisters had invested lot of money in am indian discount broker. We accumulated some profit stored in trading account. But in the beginning of January 2025, when my sisters wanted to withdraw amount, the stock broker says my sisters have to pay STCG tax amount, before they can withdraw the amount. He has calculated the tax at 30% rate. This stock broker gives instructions for index trading, basically on spot precious metals(THGSE) since couple of weeks Can he withheld investors money from withdrawing on the basis of non-payment of STCG tax.

Ans: 01. Income of STCG is taxed in the year, in which it is earned. So accumulated Profit should not be for a longer duration. It has to be taxed in your hand, as & when, you file your ITR.
02. Tax rate of STCG is not more than 20% in any case. However, it could also be slab rate in many cases. Your question does not provide details to confirm the same.
03. Your stock broker is not supposed to give you instructions, instead should advice you. You are not obliged to act on his advice & you are free to take your own decisions. He cannot withhold your payment in normal circumstances.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Jan 17, 2025

Question by Velji - Dec 12, 2024Hindi

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Am I Liable to tax if I have received a piece of Land(property) in my marrige gift from a paternal side uncle?

Ans: No. It is a gift from your uncle at the time of your marriage & not Income.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi

Money

I’m planning to start investing for my child’s higher education once my salary increases under the 8th Pay Commission. Which tax-saving options align with long-term education goals?

Ans: 01. PPF (Public Provident Fund) account could be a good option for such planning. Moreover, you could also explore the other options like, NSC, Mutual Funds through SIP (once you start getting enhanced salary) etc.
Most welcome for any further clarifications. Thanks.

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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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