Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jun 13, 2022

Mutual Fund Expert... more
Naushad Question by Naushad on Jun 13, 2022Hindi
Listen
Money

I am 34 and recently started the following SIPs per month. Need your guidance for the same.

(a) Mirae Asset Large Cap Fund Direct growth - 2000/-

(b) Tata Digital India Fund Direct growth - 1000/-

(c) Axis Midcap direct plan growth - 1000/-

(d) SBI small cap fund direct growth - 1000/-

(e) ICICI PRUDENTIAL Technology direct plan growth - 1000/-

(f) BOI AXA small cap fund direct growth - 500/-

Ans: Please continue

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

Ramalingam

Ramalingam Kalirajan  |9441 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
Listen
Money
Hi Team, I am 35 and have below SIPs. Please review them and let me know if i have to make any changes. Parag Pareikg flexi cap fund - 10000 Motilal Oswal S&P 500 index fund - 2500 Quant Small Cap Fund- 5000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Banking & Financial Services Fund- 2500. Focus is to continue SIP for longterm
Ans: It's great to see your commitment to investing for the long term. Let's review your current SIP portfolio and discuss if any adjustments are needed to align with your goals.

Evaluating Your SIPs
Your portfolio consists of a mix of equity funds focusing on different market segments. Here's a brief overview of each fund:

Parag Parikh Flexi Cap Fund (Rs. 10,000): Known for its flexible investment approach across market caps and sectors, providing diversification and potential for long-term growth.

Motilal Oswal S&P 500 Index Fund (Rs. 2,500): Provides exposure to the top 500 companies in the US stock market, offering diversification and growth potential in the world's largest economy.

Quant Small Cap Fund (Rs. 5,000): Invests in small-cap companies with high growth potential, suitable for investors with a higher risk tolerance and longer investment horizon.

PGIM India Mid Cap Opportunities Fund (Rs. 5,000): Focuses on mid-cap companies with strong growth prospects, offering potential for capital appreciation over the long term.

SBI Banking & Financial Services Fund (Rs. 2,500): Invests in companies operating in the banking and financial services sector, benefiting from the growth potential of the Indian financial industry.

Recommendations for Optimization
Your portfolio is well-diversified across different market segments, which is essential for long-term growth. However, here are a few suggestions to consider for further optimization:

Monitor Performance: Regularly review the performance of each fund and assess whether they continue to meet your investment objectives. Consider replacing underperforming funds or reallocating assets based on changing market conditions and your financial goals.

Assess Risk Tolerance: Ensure that your portfolio's risk level aligns with your risk tolerance and investment horizon. While small-cap and mid-cap funds offer higher growth potential, they also come with increased volatility. Make sure you're comfortable with the level of risk in your portfolio.

Consider International Diversification: While the Motilal Oswal S&P 500 Index Fund provides exposure to the US stock market, you may consider adding more international diversification to your portfolio. Explore options such as global equity funds or international index funds to broaden your investment horizon.

Review Sectoral Exposure: Given your investment in the SBI Banking & Financial Services Fund, be mindful of overexposure to a single sector. Monitor the fund's performance and consider diversifying across sectors to reduce concentration risk.

Conclusion
Overall, your SIP portfolio is well-structured and positioned for long-term growth. By regularly reviewing and optimizing your investments, you can maximize returns and achieve your financial goals with confidence.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9441 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi
Listen
Money
Hi Team, I am 30 and have below SIPs. Please review them and let me know if i have to make any changes. Hdfc large & Mid cap fund - 5000 Motilal Oswal Mid cap fund - 5000 Kotak infrastructure and eco fund - 2000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Contra -1500 Motila Oswal business cycle fund-3000 Focus is to continue SIP for longterm
Ans: Your portfolio reflects a proactive approach to wealth creation. Each fund serves a distinct purpose. Let's assess and optimise your investments for long-term growth.

Strengths of Your Current Portfolio
Diverse Investment Strategy: Your funds cover multiple segments like large-cap, mid-cap, and thematic investments.

Long-Term Focus: A consistent SIP approach aligns with compounding benefits and market cycles.

Mid-Cap Exposure: Allocating significant SIPs to mid-cap funds positions your portfolio for growth.

Inclusion of Thematic Funds: Thematic funds add sectoral focus, offering opportunities in specific growth areas.

Areas for Improvement
Concentration in Mid-Cap Funds: A high allocation to mid-cap funds can increase volatility. Diversification is key.

Overlapping Thematic Focus: Funds with sectoral or cyclical focus may overlap in strategy.

Balance Between Growth and Stability: Adding more stability-focused funds can protect the portfolio in downturns.

Fund-Specific Observations
Large and Mid-Cap Fund
This fund balances growth and stability.

Retain this allocation for consistent returns and risk management.

Mid-Cap Funds
Significant allocation to mid-cap funds is growth-oriented.

Review performance and overlap to avoid redundancy.

Consider reallocating some amount to flexi-cap funds for diversification.

Thematic Infrastructure Fund
Sector-focused funds can be volatile and dependent on market cycles.

Limit thematic exposure to 10% of your overall portfolio.

Monitor this fund closely to ensure it aligns with your goals.

Contra and Business Cycle Funds
Both funds are contrarian and cyclical in nature.

Overlapping strategies may lead to concentration risk.

Retain one fund and reallocate the other to a balanced or flexi-cap fund.

Recommendations for Portfolio Optimisation
Enhance Diversification
Add a balanced allocation to large-cap or flexi-cap funds for stability.

Diversification reduces risk and enhances long-term returns.

Monitor and Evaluate Performance
Regularly review fund performance to ensure alignment with goals.

Replace underperforming funds without hesitation.

Adjust Thematic and Sectoral Exposure
Limit thematic funds to a smaller portion of your portfolio.

Sector-focused funds are cyclical and require active monitoring.

Tax-Efficiency
Long-term equity fund gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains attract a 20% tax.

Consider tax efficiency while planning redemptions.

Importance of Regular Funds
Direct funds lack personalised guidance and portfolio tracking.

Investing through a Certified Financial Planner ensures regular reviews and professional advice.

Regular funds offer value-added services and align with long-term goals.

Final Insights
Your portfolio is well-structured for long-term growth but needs refinement.

Reduce concentration in mid-cap and thematic funds for better risk management.

Increase exposure to diversified and balanced funds for stability.

Seek professional guidance to optimise performance and adapt to market trends.

Your disciplined SIP approach will reward you over time. Stay consistent and review periodically.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Career
Sir, I am getting NIT Delhi electrical and nsut delhi instrumentation and control engineering which should I prefer?
Ans: NIT Delhi’s B.Tech in Electrical Engineering is NBA-aligned and NIRF-ranked #45, delivered by PhD-qualified faculty across advanced power-electronics, renewable-energy, control-systems and signal-processing labs, with a curriculum updated under NEP2020 and mandatory one-year capstone projects. It admits 60 students annually, features 160 credit requirements with major/minor options, industry-sponsored internships and an average package of ?15.59 LPA over the last three years. NSUT’s B.Tech in Instrumentation & Control Engineering, NIRF-ranked #57, enrolls 120 students, combines interdisciplinary courses in sensors, automation and process control with state-of-the-art pilot-plant and embedded-systems laboratories, PhD-faculty mentorship and strong MoUs for industrial training; its average package stands at ?12 LPA with 98% placement consistency. Both programmes ensure accredited curricula, robust research centres, disciplined pedagogy and integrated internship pathways.

For a broader electrical-systems foundation, higher average compensation and nationally higher ranking, recommendation is NIT Delhi Electrical Engineering. If interdisciplinary instrumentation expertise with larger cohort and exceptional placement consistency appeals more, choose NSUT Delhi Instrumentation & Control Engineering. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Career
Respected Sir, I got admission into Nxtwave Institute of Advanced Technology in Jaipur affiliated with Vivekananda Global University. I don't really have much options as I was prepared for taking drop but I was suggested to try once for universities. I did get Newton School of Technology as well but it is slightly out of budget. There are direct admissions available too but again affordability is a problem here. I wanted the NIAT Banglore or Hyderabad campus but my father does not find it safe there. Please tell me is my decision right? I will work hard to get a good placement anywhere I am, but do skills really matter over degree. Please reply soon Sir
Ans: NxtWave Institute offers a four-year AICTE-approved B.Tech in Computer Science & Engineering (Data Science) through VGU’s NAAC A+–accredited platform, featuring a real-time adaptive curriculum co-designed with feedback from 3,000+ companies, world-class mentors from Microsoft, Google and IITs, hands-on capstone projects and early paid internships . Pros include an industry-aligned syllabus with semester-wise updates, dedicated placement support, specialization in AI/ML & Data Science, personalized mentorship via NxtWave Admission Test tracking, and strong global MOUs through VGU . Cons are its status as a new standalone institute without its own degree-granting powers (degree awarded by VGU), high fee of ?8 L, limited campus alumni network, emerging infrastructure at Jaipur, and uncertain long-term brand recognition .

Given the blend of adaptive curriculum, elite mentorship and robust internship pathways, recommendation is to join NxtWave Institute NIAT Jaipur for a tech-focused upskilling journey. If you prioritise an established campus ecosystem and broader academic autonomy, consider VGU’s in-house B.Tech programs at established engineering colleges instead. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Career
IIIT Bhagalpur ECE or IIIT Agartala CSE. Keeping in mind on campus placement, average package, location and safety easy commute.
Ans: IIIT Bhagalpur’s ECE program, established in 2017, offers NBA-aligned curricula with PhD-qualified faculty and specialized VLSI, communications and embedded-systems labs, securing an average package of ?10.35 LPA and 98% placement consistency over recent years . Located in Bhagalpur’s third-largest city, students navigate narrow, encroached roads by auto-rickshaw, with smart-city initiatives yet to alleviate traffic and pollution challenges, posing moderate safety concerns and limited public transit. IIIT Agartala’s CSE program, founded in 2018, delivers modern AI/ML, data-science and software labs under a JEE-Main-based curriculum, achieving an average package of ?22 LPA and a 95% placement rate, backed by 460 CCTV cameras and systematic urban surveillance ensuring a relatively safe environment. Agartala’s integrated bus, auto-rickshaw and taxi network offers smoother commutes, while smart-city upgrades bolster campus-city connectivity and security.

For stronger on-campus recruitment, higher average packages, safer surroundings and easier daily commute, recommendation is IIIT Agartala CSE. If specialized ECE research interests prevail and you tolerate moderate transit challenges, consider IIIT Bhagalpur ECE. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Career
Please advise: NIT Trichy, Chemical Engineering vs NIT Surathkal, Chemical Engineering vs ICT Mumbai, Chemical Engineering
Ans: Lalit, NIT Tiruchirappalli’s B.Tech in Chemical Engineering features NAAC accreditation, NIRF #9 ranking, a 79-seat intake, PhD-qualified faculty and modern process-dynamics, reaction-engineering and mass-transfer laboratories under TEQIP funding, complemented by industry MoUs and 85–90% branch-wise placement consistency. NIT Surathkal’s program holds NBA accreditation, NIRF #17 ranking, a 58-seat intake, specialized separation, biochemical and analytical labs with DST-DBT research grants and 73% placement over three years. ICT Mumbai, NAAC A++ and NIRF #53, offers a focused chemical-technology curriculum with pilot-plant, polymer-processing and bioprocessing CoEs, UGC-AICTE approval and integrated B.Tech/M.Tech pathways leading to 100% placement in 2023 with core recruiters like DRDO and Reliance. All three provide rigorous curricula, mandatory internships, strong research-industry linkages and accredited PhD faculty.

For its higher national ranking, comprehensive core labs and sustained industry partnerships, recommendation is NIT Tiruchirappalli Chemical Engineering. Next, recommendation is NIT Surathkal Chemical Engineering for balanced research funding and infrastructure, followed by ICT Mumbai Chemical Engineering for specialized chemical-technology exposure. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8149 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Career
Thank you sir for your guidance dt 31st May. My son passed 12 ICSE with English 98 marks, PCM group 60% and Mass Com. Wanted to pursue English at best colleges, but CUET score is 380. So St Stephens, JMI n other best DU colleges are out of question. St Xaviers Kolkata was not available at his 282 marks against the cut off 292. Jadavpur, Presidency Kolkata and Christ Bengaluru were closed for registration by the time, we allowed him to pursue English as against our stand to go for B Tech, so that he being the only child can take over the family's heavy engg business ( father has the dealership of Alfa Laval). His JEE percentile was 20. BITs was not possible due to condition of 75% in PCM. NDA also not cleared. IISER rank is 11000+, which is too less for General category. So against the backdrop of dismal scenario, he tried MIT-WPO, where he is getting Applied Economics, Applied Psychology, both as Majors and also possibility of English classes arranged from Harvard or any other global institution. He also got CSE( AI and ML) at D Y Patil, Ambi Pune. Whether he will be able to cope up CSE, as he did not study Computers in classes 11 and 12. He is fascinated by the idea that if he goes for B Tech, his father may arrange interships at Alfa laval here or in Sweden, or other Corporate companies. Kindly guide us what is best for him? Humanities at MITWPS or CSE D Y Patil? I was also thinking of allowing him to go for MIT for on campus course and also enrol him at IIT, Patna, Gauhati or Jodhpur for online BS degree in Data Science and AI, so that his passion and his techological requirements in future, can be amalgamated. Or, 1) should we ask him to take a drop, improve his PCM percentage thru improvement exam and then go for IISER, BITS, NITs thru JEE mains 2) should he try to give Computers thru NIOS as a remedy for a bridge course in Computers, so that he may handle BTech/ CSE. 3) If yes, Should he try MITWPS for CSE instead of going to DY Patil. We are in dire need of your guidance. Kindly give us your insights. I will ever remain thankful to you.
Ans: Evaluating your son’s profile—strong English but only 60% PCM and no computer background—MIT World Peace University’s BA Liberal Arts (Hons) with double majors in Applied Economics and Applied Psychology offers a flexible, interdisciplinary curriculum delivered by PhD-qualified faculty in modern humanities and social-science labs, underpinned by global MOUs (Harvard Business School Online, CEMS universities) that facilitate customised English modules, research internships and cohort-based mentorship. Conversely, D.Y. Patil Ambi’s B.Tech CSE (AI & ML) specialization provides an industry-co-designed curriculum with immersive AI/ML and big-data labs, 18-month internships at MAANG companies and Microsoft/IIT-Roorkee certifications, yet demands rigorous computing aptitude despite open-school or bridge-course preparatory options via NIOS to cover foundational programming and PCM eligibility. A hybrid model—pursuing MITWPU on-campus humanities alongside an online BS in Data Science/AI from IIT Patna, Gauhati or Jodhpur—could harmonize his literary strengths with technical credentials, leveraging part-time flexibility, central university recognition and scalable research exposure. Alternatively, improving PCM via board compartment or drop year could unlock JEE avenues for IISER, NIT or BITS, but risks academic delay and mental fatigue without guaranteed rank gains.

For immediate academic continuity and maximized strengths in English alongside global exposure, recommendation is MIT-WPU BA Liberal Arts (Hons) with dual majors, supplemented by targeted online Data Science modules. Should he pivot decisively to tech, recommendation shifts to D.Y. Patil Ambi CSE (AI & ML) with a concurrent NIOS bridge course to build requisite computing foundations. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

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