rediff.com
Rediff Gurus Logo
Home > Money > Question
Language:
Now in हिन्दी too
Need Expert Advice?Our Gurus Can Help
Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on May 28, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - May 26, 2024Hindi
Listen
Money

Hi sir, I am 29 year old with Salary of 50K in hand and Home loan emi of 20k, i invest in mfs approx 10k, please let me know in case any changes i need to make Pdim India midcap opportunities fund-1600 Hdfc index s&p bse sensex 2600 Axis small cap 2500 Parag parikh flexi 2500

Ans: Hello & thanks for writing to me. Considering your age & assuming that your horizon is long term, you can continue to invest in these funds.
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.
Money

You may like to see similar questions and answers below

Hardik

Hardik Parikh  | Answer  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 07, 2023

Listen
Money
Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj
Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

..Read more

Money
Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Jun 22, 2023

Listen
Money
Ramalingam

Ramalingam Kalirajan  |9777 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Asked by Anonymous - Sep 27, 2023Hindi
Listen
Money
SIR, I am investing 12000/-pm from April 23 , in following MFs. 1.Nippon India small cap @2000/- 2.Axis small cap fund direct growth @1000/- 3.SBI Magnum Mid cap@2000/- 4.Nippon india growth direct fund @1000/- 5.HDFC index S&P BSE sensex direct @2000/- 6.SBI Bluechip direct plan growth @2000/- 7.ICICI prudential bluechip @2000/- Plan for investment is 5 Yrs for a required wealth of 25 Lacs, please advice whether I am on right track.
Ans: Your investment plan seems diversified with allocations across different types of mutual funds, including small-cap, mid-cap, index funds, and large-cap funds. Here are some key points to consider:

Diversification: You have spread your investments across various categories, which can help reduce risk and enhance potential returns over the long term.

Investment Horizon: Investing for a period of 5 years is a good approach, but ensure that your investment horizon aligns with your financial goals. Since equity investments can be volatile in the short term, it's essential to stay invested for the long term to ride out market fluctuations.

Risk Assessment: Small-cap and mid-cap funds tend to be riskier than large-cap and index funds due to their higher volatility. Make sure you are comfortable with the risk level associated with these investments based on your risk tolerance and investment objectives.

Review and Adjust: Regularly review your portfolio's performance and make adjustments if needed. Consider rebalancing your portfolio periodically to maintain your desired asset allocation and risk level.

Professional Advice: If you're uncertain about your investment strategy or need personalized guidance, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Overall, your investment plan appears to be on the right track, but it's crucial to monitor your investments regularly and stay informed about market developments. Adjust your strategy as needed to stay on course towards achieving your wealth accumulation goal of 25 lakhs in 5 years.

..Read more

Money
Ramalingam

Ramalingam Kalirajan  |9777 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2024

Asked by Anonymous - Dec 27, 2023Hindi
Listen
Money
Ramalingam

Ramalingam Kalirajan  |9777 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Listen
Money
I am 48 yrs old l am investing 7k per month in MF from last 2 years. Rs 1000 each in DSP Multi Asset allocation fund. Canara robeco bluechip equity fund. Mirae asset large and midcap fund. Motilal oswal nifty next 50 index fund. Kotak Emerging equity fund. Quant smallcap fund. Parag parikh flexi cap fund. My horizon is 10 yrs.
Ans: That's a great start! Investing Rs. 7,000 monthly for the past 2 years shows discipline. Let's analyze your portfolio for your 10-year investment horizon.

Diversification is Key

Your portfolio has a good mix of fund types:

Multi-Asset: Provides diversification across asset classes for stability.
Large & Mid-Cap: Offers growth potential with established and growing companies.
Small-Cap: Carries more risk but has the potential for high returns.
Index Fund: Tracks a market index, offering market-related returns.
Actively Managed vs. Index Funds

While your Motilal Oswal Nifty Next 50 is an index fund, your other choices are likely actively managed. These funds have managers who try to outperform the market. This approach can be beneficial, but also carries inherent risks.

10-Year Timeframe Advantage

A 10-year horizon allows you to ride out market ups and downs. Equity funds, though volatile in the short term, have the potential for higher growth over the long term.

Points to Consider:

Overall Asset Allocation: Review the percentage allocation across each fund type to ensure it aligns with your risk tolerance.
Fund Performance: Track the performance of each fund and compare it to its benchmark.
Role of a CFP Professional

A Certified Financial Planner (CFP) professional can offer a more personalized assessment. They can help you:

Analyze Asset Allocation: Ensure your portfolio mix matches your risk tolerance and goals.
Review Fund Performance: Identify any underperforming funds and suggest adjustments.
Rebalance Regularly: Periodically rebalance your portfolio to maintain your desired asset allocation.
Remember:

Market performance can impact your returns. However, your diversified portfolio and long-term focus are positive steps.

Next Steps:

Consider consulting a CFP professional for a detailed portfolio review.
Monitor your fund performance and rebalance as needed.
Keep investing for the long term!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Money
Latest Questions
Ramalingam

Ramalingam Kalirajan  |9777 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 18, 2025

Money
Sunil

Sunil Lala  |217 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

Money
I m a 44 yrs old . My salary 85k net per month. Rent income 1.20 lakh per month. Fixed deposit 46 lakh PPF 21.35 lakh Lap loan 46.50 lakh OD loan 6.50 lakh. Mutual funds 2.75 lakhs Shares 3.25 laks Property in Noida, jewar, dwarka , Rohini and faridbad. My wife is earning 50k per month but not contributing in assests we spend his salary on vacations and foods and cloths as she don't want to save. According to her it is my responsibility to provide foods and investment. At this age I m going to lose my jobs. I can manage all things with rental but how can I build up financial assets from here on and my triple source like salary, rental and interest helps me a lot in past. I m simple man with basic needs no extra expenses on me. But kids are in college in class 9 how can I build assests and ensure their good education
Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

...Read more

Money
Dr Nagarajan J S K

Dr Nagarajan J S K   |1870 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jul 18, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Career
Dr Nagarajan J S K

Dr Nagarajan J S K   |1870 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jul 18, 2025

Career
Sunil

Sunil Lala  |217 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Money
Dr Nagarajan J S K

Dr Nagarajan J S K   |1870 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jul 18, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
Dr Nagarajan J S K

Dr Nagarajan J S K   |1870 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jul 18, 2025

Career
Dr Nagarajan J S K

Dr Nagarajan J S K   |1870 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jul 18, 2025

Career
Anu

Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 18, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Relationship
I'm 34 and have spent the last six years trying to find a genuine partner through every possible route -- dating apps, matrimonial sites recommended by relatives, setups through friends. It's been exhausting and disheartening. The men I match with are either secretly married, emotionally unavailable, or bluntly state that they aren't interested in commitment. On matrimonial sites, I keep coming across entitled MCPs (male chauvinist pigs) who want a docile, obedient wife -- someone to bear their children, manage their homes, and take care of their aging parents like we are living in 1950. The few men I've genuinely connected with emotionally have told me upfront that they don't believe in marriage or aren't looking for anything serious. And here I am, still single. I've been seriously considering signing up for an app purely focused on intimacy. I'm not looking to sleep around without thought. What I crave is connection, touch, and feeling desired, even if it doesn't lead to marriage. I've dated so many men in search of love, and yet, I've ended up alone. Is it wrong to stop chasing 'the one' and instead focus on fulfilling my emotional and physical needs without expecting long-term commitment?
Ans: Dear Anonymous,
It's obvious to me that you haven't yet sat yourself down and asked:
- What do I want in my life partner?
- What do I want from a marriage?

You have shared about what others want from you; what do you want from a potential association?
Being clear will help you stop this chase and anyway, there's no 'The One'...if you find one, do let me know and I will be happy for you...Marriage is not about finding the right person but by knowing what you want from a marriage. This narrows down your choices to someone that close to your thoughts and value systems and then you both have to make the marriage work.

Now, if you are not looking for a committed association or a long-term one, then you will have to keep playing games with people who are half serious or just looking for some fun and hey, the chances of you being emotionally hurt will be greater here...
So, be clear on what you want and then you will know the next step, the next conversation that you wish to have with a person with more certainty that increases your chances at a good sturdy relationship.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Relationship
Anu

Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 18, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Relationship
Dear guru. I recently watched the film Aap Jaisa Koi and I could relate so much with Kusum bhabhi's character. My condition is somewhat similar. I've been married for six years now. On the outside, everything looks perfect -- a good husband, a 3bhk two storied home in Lucknow, a stable life. But inside, I feel invisible. My husband is a good man, no doubt, but he barely notices me as a person anymore. Conversations revolve around chores, family obligations, and money. There's no affection, no curiosity about how I feel or what I want from life. Sometimes I wonder if he even sees me as a woman, or just as a role I'm expected to keep performing without complaint. Watching the film made me realise how quietly unhappy I've become. I'm not thinking of anything drastic like Kusum, but I do crave connection, validation, and a sense of being wanted, not just needed. I have often felt the urge to text my college crush just to talk or sign up on an app maybe to share my feelings. Is it normal to crave for love and sex outside your marriage? Will it help
Ans: Dear Anonymous,
Movies can wake you up, but also don't apply everything from it onto yourself. You will feel like a 'perfect' victim. It's good that you have become aware that you truly want more affection from your husband which is what you call as connection or validation.
Also, when you start to fill the void in your marriage from outside, it's not going to be a very pleasant experience.
Working on your marriage can help; some men unfortunately are raised in homes that don't teach them on how to care for a woman and her feelings. Usually, the male figure at home will dominate in a way that the mother/sister will be submissive or subservient and then the son picks this trait from his father.
So, even if you raise this point of affection, your husband is possibly not going to understand or will simply tell you that you are overthinking. He knows only that much...
Start by being excited about your marriage...
- appreciate him often; it might teach him to do the same with you
- express your wants very clearly without making it sound like a complaint; it may teach him to follow your expectations
- ask for help within your marriage; it may subtly teach him to show up more for you

It's a long journey perhaps, but start somewhere...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Relationship
See more questions »
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.
© 2025 Rediff.com - Disclaimer - Privacy - Terms of use - Grievances - Feedback

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x