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Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 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
Asked by Anonymous - Apr 21, 2024Hindi
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Hi Sir, I am 34, have 20L each in PPF and EPF, and approx 15L in MF spread across aggressive hybrid (40%), debt funds (30%) and bluechip funds (30%). Kindly advise if this should be continued as-is or needs adjustment?

Ans: You have a balanced portfolio with allocations across PPF, EPF, and MFs. Given your age and the allocations, it seems you have a moderate risk profile, which is good. However, to optimize:

Review your MF holdings to ensure they align with your financial goals and risk tolerance.
Consider increasing equity exposure if your goals are long-term for potential higher returns.
Regularly rebalance to maintain desired asset allocations.
A periodic review with a financial advisor can help ensure your investments remain aligned with your goals and market conditions.
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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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

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

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I am 40 years old. I am having 23 Lakhs in PF, 15 lakhs in MF and 5 lakhs in PPF. Should I move funds from PF to my Mutual fund? Will that be a good option, taking into account of risk and return. What is the ratio of funds should I keep in FD, MF, Stocks and PPF?
Ans: At 40 years old, optimizing your asset allocation is crucial to align with your financial goals, risk tolerance, and investment horizon. As a Certified Financial Planner, let's evaluate the proposition of reallocating funds from your Provident Fund (PF) to mutual funds (MF) while considering risk and return dynamics.

Assessing the Move from PF to Mutual Funds

While PF offers stability and tax benefits, it may not always optimize returns, especially considering inflation and limited exposure to equities. Reallocating a portion of your PF corpus to mutual funds can potentially enhance your overall portfolio returns over the long term, provided you are comfortable with the associated market risks.

Determining Optimal Asset Allocation
Fixed Deposits (FD): FDs offer capital preservation and predictable returns, making them suitable for short-term liquidity needs and as a component of your emergency fund. Consider allocating a portion of your portfolio to FDs to meet immediate cash requirements and mitigate short-term volatility.

Mutual Funds (MF): With 15 lakhs already invested in MFs, you have a foundation in equity and debt instruments. Evaluate your risk tolerance and investment horizon to determine the optimal allocation between equity and debt funds. Equity funds offer growth potential but come with higher volatility, while debt funds provide stability and income generation.

Stocks: Direct stock investments can enhance portfolio diversification and potentially generate higher returns than mutual funds. However, they also entail higher risk and require active management and research. Allocate a portion of your portfolio to stocks based on your risk appetite and expertise in stock selection.

Public Provident Fund (PPF): PPF offers tax-free returns and long-term wealth accumulation, making it a valuable component of your retirement portfolio. Maintain your PPF investment to benefit from its tax advantages and stability in your overall asset allocation strategy.

Crafting a Balanced Portfolio
A balanced portfolio considers your risk tolerance, investment goals, and market conditions. A common rule of thumb suggests allocating a percentage of your portfolio to equities based on your age (e.g., 100 minus your age). However, this rule may vary based on individual circumstances and risk appetite.

Conclusion
While reallocating funds from PF to mutual funds can potentially enhance returns, it's essential to evaluate your risk tolerance and investment objectives before making any changes. A well-diversified portfolio comprising FDs, mutual funds, stocks, and PPF can optimize returns while managing risk effectively. Consider consulting with a Certified Financial Planner for personalized advice tailored to your financial situation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 07, 2024

Asked by Anonymous - Oct 05, 2024Hindi
Money
Hello Sir, I am 39 years old working woman currently with no loan liabilities and earning a monthly net salary of Rs: 1.5 lakh. I have invested as follows: NPS (6K monthly); PPF (4K monthly); LIC (6K monthly), Sukanya Samridhi (3K monthly) and mutual funds (17 K monthly via SIP initiated in 2023). My mutual fund (MF) investment horizon is for 20 years in the SIP mode with no top up plan, and the MF portfolio is as follows: Axis Gold Fund (1K); ABSL balanced Advantage fund (1K); Debt fund (ABSL Dynamic Bond Fund with monthly SIP of Rs: 1500); ELSS [Parag Parikh Tax Saver Fund - Direct Plan and Kotak Tax Saver Fund -Direct Plan-Growth with monthly SIP of Rs: 1500 each]; Large Cap Fund [HDFC Index Fund Nifty 50 Plan- Direct Growth (2K); CANARA ROBECO Blue Chip Equity Fund-Direct Growth (1K); JM Financial Mutual Fund (2K); Axis Blue Chip Fund (3K)] ; Mid Cap Mutual Fund [Nippon India Growth Fund of 1500 K] and Small Cap Fund [Tata Small CAP Fund of 1K]. Please let me know if the MF portfolio needs to be diversified further and if I need to add or remove any MF.
Ans: You have a well-structured investment portfolio. You're contributing to various financial instruments like NPS, PPF, LIC, Sukanya Samriddhi, and mutual funds. Your commitment towards saving Rs 17,000 monthly via SIPs shows a long-term vision.

Let’s review your mutual fund portfolio to check if it’s aligned with your long-term goals.

Mutual Fund Portfolio Evaluation
Your mutual fund portfolio includes:

Gold Fund
Axis Gold Fund: Rs 1,000

Balanced Advantage Fund
ABSL Balanced Advantage Fund: Rs 1,000

Debt Fund
ABSL Dynamic Bond Fund: Rs 1,500

ELSS (Equity-Linked Savings Scheme)
Parag Parikh Tax Saver Fund: Rs 1,500
Kotak Tax Saver Fund: Rs 1,500

Large Cap Fund
HDFC Index Fund Nifty 50: Rs 2,000
Canara Robeco Blue Chip Equity Fund: Rs 1,000
JM Financial Mutual Fund: Rs 2,000
Axis Blue Chip Fund: Rs 3,000

Mid Cap Fund
Nippon India Growth Fund: Rs 1,500

Small Cap Fund
Tata Small Cap Fund: Rs 1,000

Analysis of Your Portfolio
Balanced Advantage and Debt Allocation

Your investment in ABSL Balanced Advantage Fund and ABSL Dynamic Bond Fund ensures some stability.
These are good options for reducing volatility but you may want to increase your allocation to debt as you age.
Equity Exposure

Your portfolio is largely tilted towards equity, which is good for long-term wealth accumulation.
You’ve diversified across large-cap, mid-cap, and small-cap funds, providing a balanced risk-reward ratio.
ELSS Funds

Your investment in Parag Parikh and Kotak Tax Saver Funds helps you save taxes under Section 80C.
These funds also generate equity-linked growth for long-term wealth.
Gold Fund

The allocation of Rs 1,000 to Axis Gold Fund is fine but don’t over-allocate. Gold doesn’t offer high returns like equities but acts as a hedge.
Suggested Adjustments and Recommendations
1. Large Cap Fund Duplication
You have several large-cap funds in your portfolio (HDFC Index Fund, Canara Robeco Blue Chip, Axis Blue Chip, and JM Financial Mutual Fund). Large-cap funds tend to perform similarly.
Consider trimming the number of large-cap funds. You could consolidate by choosing one or two top-performing funds.
2. Debt Allocation
You have Rs 1,500 in ABSL Dynamic Bond Fund. To maintain a balanced portfolio, gradually increase your debt allocation over time. This will provide stability as you approach retirement.
Debt funds are less volatile and provide predictable returns.
3. SIP Top-Up Plan
Currently, you don’t plan to top-up your SIPs. However, a 5%-10% annual increment in your SIPs can significantly enhance your wealth accumulation.
A top-up plan helps you stay ahead of inflation and boosts compounding.
4. Tax Efficiency
You’re already investing in ELSS funds, which are tax-efficient.
However, ensure that your overall equity capital gains are monitored. Any long-term capital gains (LTCG) exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.
Be mindful of this while redeeming your funds in the future.
5. Gold Fund
Continue with a small allocation to gold. It provides diversification, but avoid increasing this allocation. Historically, gold offers moderate returns compared to equities.
Long-Term Retirement Planning
NPS Contribution
Your NPS investment of Rs 6,000 monthly is beneficial for retirement planning. NPS offers an additional Rs 50,000 tax benefit under Section 80CCD(1B).
Continue this, but consider increasing the contribution as you approach retirement for a steady post-retirement income.

Debt and Fixed-Income Investments
As you get closer to retirement, shift more towards debt instruments. Consider increasing PPF contributions or adding to other low-risk instruments. Your PPF, LIC, and Sukanya Samriddhi contributions ensure tax-free, risk-free returns.

Final Insights
Your portfolio is well-diversified across various asset classes, providing a good balance of risk and stability. However, simplifying your large-cap exposure, increasing debt allocation gradually, and considering a SIP top-up plan will enhance your long-term financial security.

Continue monitoring and rebalancing your portfolio as you move closer to retirement. Your current strategy has the potential to generate significant returns if maintained and slightly adjusted for optimal performance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi
Money
Hi Ulhas, i am 44 years of age and have been investing in MF since Feb 2021, presently I am investing a monthly SIP of 5.5 Lakhs in the following 11 funds each with a monthly SIP of 50 K in direct funds, please check whether my portfolio requires any changes. I am an aggressive investor with more than 10-15 years of long-term horizon. 1. parag parakh flexi cap fund. 2. Mirae Large & Mid Cap fund. 3. Axis growth opportunities fund. 4. SBI Multi Cap Fund. 5. Mirae Mid Cap fund. 6. Quant Active Fund. 7. Canara Robeco Small Cap fund. 8. Tata Small Cap Fund. 9. HDFC Multicap fund. 10. Edelweiss Midcap Fund. 11. Kotak Multicap fund.
Ans: Investing Rs. 5.5 lakhs monthly across 11 funds is impressive. Your aggressive approach matches your 10-15 years horizon. Let’s analyse your portfolio and suggest improvements.

Strengths of Your Current Portfolio
Well-Diversified Across Categories: Your funds span large-cap, mid-cap, small-cap, and flexi-cap categories.

Aligned with Aggressive Strategy: The portfolio leans towards mid-cap and small-cap funds. These suit long-term aggressive investors.

Consistent Contributions: High SIP commitment ensures disciplined wealth creation over time.

Areas of Concern
Over-Diversification: Investing in 11 funds dilutes potential returns. Similar categories may overlap.

Direct Funds Approach: Direct plans lack professional guidance for portfolio review and rebalancing.

Small-Cap Heavy Allocation: Multiple small-cap funds increase risk in volatile markets.

Multiple Multicap Funds: Holding three multicap funds may result in duplication of stocks.

Suggestions for Portfolio Optimisation
Limit the Number of Funds
Reduce the number of funds to 5-7. This avoids over-diversification.

Retain one strong performer from each category: large-cap, mid-cap, small-cap, flexi-cap, and multicap.

Avoid Category Duplication
Retain only one fund each in small-cap, mid-cap, and multicap categories.

Choose funds with consistent past performance and fund house credibility.

Focus on Actively Managed Funds Through MFD
Direct funds lack professional advice.

Investing through an MFD with a Certified Financial Planner ensures expert guidance.

MFDs monitor market conditions and align your portfolio for optimal returns.

Reassess Risk Allocation
Small-cap funds should be limited to 10-15% of your portfolio.

Mid-cap funds can constitute 25-30% for higher growth potential.

Allocate 25-30% to large-cap or flexi-cap funds for stability.

Periodic Review and Rebalancing
Review your portfolio every six months or annually.

Rebalance to maintain your desired asset allocation.

Track fund performance and exit underperformers promptly.

Tax Implications to Consider
Long-term capital gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains are taxed at 20%.

Diversifying across equity and hybrid funds can optimise tax outflow.

Benefits of Reduced Fund Count
Simplified portfolio management.

Improved tracking of individual fund performance.

Higher potential for compounding due to concentrated allocation.

Recommended Allocation for Aggressive Investors
Large-Cap/Flexi-Cap Funds: Stability with market participation.

Mid-Cap Funds: Balance between risk and growth.

Small-Cap Funds: High-risk, high-reward potential.

Multicap Funds: Flexible allocation across market capitalisations.

Final Insights
Your portfolio reflects strong financial discipline and long-term vision. However, over-diversification dilutes growth. Streamline your funds for focused performance. Professional guidance ensures optimal fund selection and timely rebalancing. Stick to your SIPs to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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