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Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Vijayendran Question by Vijayendran on May 10, 2024Hindi
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I am 31 year old. Doing SIP of 3k in each fund namely HDFC Small Cap Growth Fund, HDFC Mid Cap Opportunities Fund and HDFC Sensex Index Fund. My goal is for wealth creation and for retirement period. Need your suggestion?

Ans: Your commitment to wealth creation and retirement planning at 31 is commendable and reflects your foresight and financial maturity. Let's delve into a strategic assessment of your SIP portfolio and explore avenues for optimizing your investment strategy.

Understanding Your Investment Approach
Your choice of SIPs in HDFC Small Cap Growth Fund, HDFC Mid Cap Opportunities Fund, and HDFC Sensex Index Fund demonstrates a blend of growth and diversification. Let's evaluate each fund's suitability for your wealth creation and retirement goals.

Assessing Small and Mid-Cap Funds
Investing in small and mid-cap funds offers the potential for higher returns over the long term, driven by the growth of smaller companies. However, it's essential to acknowledge the higher volatility and risk associated with these segments of the market.

Evaluating Index Fund Inclusion
While HDFC Sensex Index Fund provides exposure to India's benchmark index, it's crucial to consider the limitations of index funds. Index funds lack the potential for outperformance seen in actively managed funds and may underperform during market upswings.

Analyzing Active Management Benefits
Actively managed funds, such as HDFC Small Cap Growth Fund and HDFC Mid Cap Opportunities Fund, benefit from professional fund management and active stock selection. Fund managers can capitalize on market opportunities and navigate market downturns effectively.

Balancing Risk and Return
As you plan for long-term wealth creation and retirement, it's essential to strike the right balance between risk and return. While small and mid-cap funds offer growth potential, consider diversifying your portfolio with stable and high-quality assets to mitigate volatility.

Embracing a Long-Term Perspective
Investing for wealth creation and retirement requires patience and discipline. Stay focused on your long-term goals and resist the temptation to make impulsive investment decisions based on short-term market fluctuations.

Leveraging Professional Guidance
Consider partnering with a Certified Financial Planner to fine-tune your investment strategy and ensure alignment with your financial objectives. A CFP can provide personalized advice, portfolio optimization, and ongoing support to help you achieve your goals.

Conclusion
In conclusion, your SIP portfolio in HDFC Small Cap Growth Fund, HDFC Mid Cap Opportunities Fund, and HDFC Sensex Index Fund reflects a strategic approach to wealth creation and retirement planning. By evaluating each fund's suitability, balancing risk and return, and embracing a long-term perspective, you can optimize your investment strategy for success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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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Head, Rank MF - Answered on Feb 20, 2020

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I am presently doing a monthly SIP of Rs 60,000 in following funds and increase it every year by 10%. Kindly suggest me whether I am on right track or need some changes as my target is to generate at least Rs 12 crore in next 20 years for my retirement & daughter’s marriage. ICICI Bluechip Fund- Rs.3000 ICICI Value Discivery-Rs.3000 ICICI Mid Cap-Rs.2000 ICICI Multicap- Rs.2000 Motilal Oswal Multicap-35 – Rs.7000 Motilal Focussed 25- Rs.2500 Mirae Asset Large Cap-Rs.6000 HDFC Balanced Advantage-Rs.8000 Kotak Standard Multicap-Rs.6000 Franklin Smaller Companies Fund- Rs.6000 Axis Long Term Equity Fund-Rs.15000  Also investing about Rs 4,00,000/annum in NPS, ULIP, LIC & FDs. Name of the Fund Category RankMF Star Rating A. ICICI Bluechip Fund- Rs.3000 Equity - Large Cap Fund: 2 B. ICICI Value Discivery-Rs.3000 Equity - Value Fund: 2 C. ICICI Mid Cap-Rs.2000 Equity - Mid Cap Fund: 2 D. ICICI Multicap- Rs.2000 Equity - Multi Cap Fund: 2 E. MotilalOswal Multicap-35 – Rs.7000 Equity - Multi Cap Fund: 5 F. Motilal Focussed 25- Rs.2500 Equity - Focused Fund 5 G. Mirae Asset Large Cap-Rs.6000 Equity - Large Cap Fund: 4 H. HDFC Balanced Advantage-Rs.8000 Hybrid - Balanced Advantage 4 I. Kotak Standard Multicap-Rs.6000 Equity - Multi Cap Fund: 4 J. Franklin Smaller Companies Fund- Rs.6000 Equity - Small Cap Fund: 1 K. Axis Long Term Equity Fund-Rs.15000 Equity - ELSS 5
Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

  1. Tata Equity Pe Fund - Growth
  2. UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

  1. UTI Equity Fund – Growth
  2. Axis Multicap Fund – Growth

Equity - Large Cap Fund:

  1. UTI Mastershare Unit Scheme - Growth Plan
  2. LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

  1. MOSL Midcap 30 Fund – Growth
  2. DSP midcap – growth

Equity - Small Cap Fund:

  1. Kotak Small Cap Fund – Growth
  2. Axis Small cap Fund - Growth

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Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 11, 2024

Money
Sir, I am 44 year old and want to retire after 15 years with 20 cr. value in current investing 1.55L in MF SIP in these fund ADITYA BIRLA SUN LIFE PSU EQUITY FUND - DIRECT PLAN 5000 AXIS BLUECHIP FUND - DIRECT PLAN 0 AXIS MIDCAP FUND - DIRECT PLAN 0 AXIS SMALL CAP FUND - DIRECT PLAN 4000 CANARA ROBECO BLUECHIP EQUITY FUND - DIRECT PLAN 12000 HDFC MULTI CAP FUND - DIRECT PLAN 3000 ICICI PRUDENTIAL BHARAT 22 FOF - DIRECT PLAN 5000 ICICI PRUDENTIAL NIFTY NEXT 50 INDEX FUND - DIRECT PLAN 3000 KOTAK MULTICAP FUND - DIRECT PLAN 4000 MIRAE ASSET LARGE CAP FUND - DIRECT PLAN 4000 MOTILAL OSWAL MIDCAP FUND - DIRECT PLAN 6000 MOTILAL OSWAL NIFTY INDIA DEFENCE INDEX FUND - DIRECT PLAN 10000 NIPPON INDIA LARGE CAP FUND - DIRECT PLAN 10000 NIPPON INDIA MULTI CAP FUND - DIRECT PLAN 4000 NIPPON INDIA SMALL CAP FUND - DIRECT PLAN 5000 PARAG PARIKH FLEXI CAP FUND - DIRECT PLAN 6000 PGIM INDIA FLEXI CAP FUND - DIRECT PLAN 6000 PGIM INDIA MIDCAP OPPORTUNITIES FUND - DIRECT PLAN 4000 QUANT ELSS TAX SAVER FUND - DIRECT PLAN 12500 QUANT INFRASTRUCTURE FUND - DIRECT PLAN 7000 QUANT LARGE AND MID CAP FUND - DIRECT PLAN 6000 QUANT MID CAP FUND - DIRECT PLAN 12000 QUANT SMALL CAP FUND - DIRECT PLAN 7000 SBI CONTRA FUND - DIRECT PLAN 8000 TATA SMALL CAP FUND - DIRECT PLAN 6000 ZERODHA NIFTY LARGEMIDCAP 250 INDEX FUND - DIRECT PLAN 2500 I feel that i am investing in too much fund . Kindly look my above portfolio and suggest to addition and change from these schemes to achieve the mentioned retirement target of 20 Cr. MF. Portfolio after 15 years.
Ans: Assessing Your Current Investment Portfolio
You've established a clear financial goal: accumulating Rs 20 crore by the time you retire in 15 years. To achieve this, you're currently investing Rs 1.55 lakh per month through SIPs in mutual funds. This commitment shows you're serious about your future and willing to take the necessary steps to secure it. However, the number of funds in your portfolio suggests you may be spreading your investments too thin, which could hinder your progress.

Understanding Over-Diversification
Diversification is a cornerstone of investing. It reduces risk by spreading investments across various assets or funds. However, over-diversification occurs when too many investments are made in similar funds or asset classes. This dilutes potential returns and complicates portfolio management. Your portfolio consists of 27 different funds, which is excessive.

The Dangers of Over-Diversification
Fund Overlap: Many funds in your portfolio likely invest in the same or similar stocks, leading to unnecessary redundancy. This doesn’t enhance diversification but rather makes it harder for you to see significant returns.

Management Complexity: With 27 funds, it’s challenging to track each one’s performance. This complexity makes it difficult to make timely adjustments to your portfolio, which is crucial for achieving your long-term goals.

Diluted Returns: When you invest in too many funds, the performance of your best-performing funds gets diluted by the average or poor performance of others. This can drag down your overall returns.

The Need for Streamlining Your Portfolio
To achieve your goal of Rs 20 crore in 15 years, it’s essential to streamline your portfolio. A focused approach will allow you to benefit from the growth potential of carefully selected funds without the drawbacks of over-diversification.

1. Large-Cap Funds: Foundation of Stability and Growth
Current Allocation: You have several large-cap funds in your portfolio, which are known for their stability and lower volatility compared to mid-cap and small-cap funds. However, holding multiple large-cap funds is unnecessary as they often invest in the same blue-chip companies.

Recommended Action: Consolidate your large-cap investments into one or two well-performing funds. This will simplify your portfolio and ensure that your investments are concentrated in the best opportunities within the large-cap space.

Suggested Allocation: Ideally, 25-30% of your portfolio should be allocated to large-cap funds. This allocation provides stability and consistent growth potential, crucial for someone planning retirement in 15 years.

2. Mid-Cap and Small-Cap Funds: Growth Drivers
Current Allocation: Mid-cap and small-cap funds are essential for achieving high growth. However, these funds come with higher risk and volatility. Your portfolio includes multiple mid-cap and small-cap funds, which may lead to overlapping investments.

Recommended Action: Narrow down your mid-cap and small-cap funds to one or two top performers in each category. Focus on funds that have a consistent track record of outperforming their benchmarks.

Suggested Allocation: Allocate 30-40% of your portfolio to a mix of mid-cap and small-cap funds. This will provide the growth potential needed to reach your Rs 20 crore goal while managing the risk associated with these funds.

3. Multi-Cap and Flexi-Cap Funds: Balanced Growth with Flexibility
Current Allocation: Multi-cap and flexi-cap funds offer flexibility by investing across different market capitalizations. Your portfolio has several of these funds, which is a good strategy for diversification. However, having too many can dilute their benefits.

Recommended Action: Consolidate your multi-cap and flexi-cap funds into one or two that have demonstrated consistent performance. These funds should have the ability to adjust their portfolio allocation based on market conditions.

Suggested Allocation: 20-25% of your portfolio should be in multi-cap or flexi-cap funds. This provides a balance between stability and growth, essential for long-term wealth accumulation.

4. Sectoral and Thematic Funds: Tactical Bets for Enhanced Returns
Current Allocation: You’ve invested in sectoral funds like Quant Infrastructure Fund and Motilal Oswal Nifty India Defence Index Fund. These funds can offer high returns but come with increased risk due to their concentrated exposure to specific sectors.

Recommended Action: Limit your exposure to sectoral and thematic funds. These should represent a small portion of your portfolio, used for tactical bets rather than core holdings. Choose sectors you believe will outperform in the long term, but be mindful of the higher volatility.

Suggested Allocation: Restrict sectoral and thematic funds to 5-10% of your portfolio. This ensures that while you can benefit from sectoral growth, the overall portfolio remains stable and diversified.

5. Index Funds: A Reconsideration of Their Role
Current Allocation: Your portfolio includes index funds like Zerodha Nifty LargeMidcap 250 Index Fund and ICICI Prudential Nifty Next 50 Index Fund. While index funds have low expense ratios and provide broad market exposure, they may not always be the best choice, especially when aiming for high growth.

Disadvantages of Index Funds:

Lack of Active Management: Index funds merely replicate the market and do not exploit market inefficiencies. Active fund managers, on the other hand, can outperform the market by selecting stocks based on research and analysis.
Underperformance in Volatile Markets: During market downturns or periods of high volatility, index funds may not protect your capital as well as actively managed funds, which can adjust their portfolios to minimize losses.
Recommended Action: Consider reducing or eliminating your index fund exposure. Instead, focus on actively managed funds that have a track record of outperforming their benchmarks.

Suggested Allocation: If you choose to retain any index funds, limit them to no more than 5% of your portfolio. The majority of your investments should be in actively managed funds with the potential for higher returns.

Building an Ideal Portfolio for Your Retirement Goal
To achieve your Rs 20 crore target in 15 years, it’s essential to build a portfolio that is both diversified and focused. Here’s a suggested portfolio structure that aligns with your risk profile, time horizon, and return expectations:

1. Large-Cap Funds (25-30% of Portfolio):
Retain 1-2 high-performing large-cap funds. These funds should have a history of consistent returns and lower volatility.
Why Large-Cap Funds? They provide stability and steady growth, essential as you approach retirement. Large-cap funds invest in established companies with strong track records, making them a safer bet.
2. Mid-Cap Funds (20-25% of Portfolio):
Retain 1-2 mid-cap funds that have shown resilience and consistent growth over the years.
Why Mid-Cap Funds? Mid-cap funds offer a good balance between risk and return. They invest in companies with the potential to become large-caps in the future, providing higher growth opportunities.
3. Small-Cap Funds (15-20% of Portfolio):
Retain 1-2 small-cap funds that have consistently outperformed their benchmarks.
Why Small-Cap Funds? Small-cap funds are riskier but can deliver significant returns over the long term. They are suitable for the growth portion of your portfolio, especially given your 15-year time horizon.
4. Flexi-Cap Funds (20-25% of Portfolio):
Retain 1-2 flexi-cap funds with a strong performance history. These funds should have the flexibility to invest across market capitalizations.
Why Flexi-Cap Funds? Flexi-cap funds provide a balanced approach to investing, with the flexibility to adjust to market conditions. This makes them a valuable part of your portfolio.
5. Sectoral/Thematic Funds (5-10% of Portfolio):
Retain only 1-2 sectoral funds that align with your long-term views.
Why Sectoral Funds? Sectoral funds can provide high returns, but they come with higher risk. By limiting exposure, you can benefit from sectoral growth without exposing your portfolio to excessive risk.
6. Index Funds (Up to 5% of Portfolio):
If you wish to retain any index funds, limit them to a small portion of your portfolio.
Why Limit Index Funds? Index funds offer market returns but lack the ability to outperform. Given your aggressive growth target, actively managed funds may serve you better.
Final Insights
Your goal of accumulating Rs 20 crore by retirement is ambitious but achievable with the right strategy. By consolidating and focusing your investments, you can maximize returns while managing risk effectively. Here’s a summary of the steps you should take:

Consolidate large-cap funds: Merge similar funds to avoid redundancy and simplify management.
Focus on mid-cap and small-cap funds: Select the top performers in each category to drive growth.
Streamline multi-cap/flexi-cap funds: Keep the best performers and ensure they have the flexibility to adapt to market changes.
Limit sectoral funds: Use them for tactical investments but keep their exposure low to manage risk.
Reduce index fund exposure: Consider actively managed funds for their potential to outperform, especially in volatile markets.
By implementing these changes, you’ll not only simplify your portfolio but also enhance its performance potential. This streamlined approach will help you stay on track to achieve your retirement goal of Rs 20 crore in 15 years.

Investing is a long-term commitment, and regular reviews of your portfolio are essential to ensure it remains aligned with your goals. As you get closer to retirement, consider gradually shifting your portfolio towards more stable investments to protect your capital. However, for now, an aggressive yet focused strategy is key to reaching your ambitious financial goal.

Remember, every investment decision should be made with a clear understanding of your risk tolerance, time horizon, and financial objectives. By staying disciplined and focused, you can build the wealth you need to enjoy a comfortable retirement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Hello sir D y Patil international university review ? As my son secured in CSE?should I take admission
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Hello Sir, How is LMNIT Jaipur for CSE ? and How is Quantative Economic & data Science from BIT Mesra Ranchi ? If to choose from these 2, Which will be better and why.
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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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