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Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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
pramod Question by pramod on Mar 24, 2024Hindi
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Hi sir,I am 40 years old, my goal is retirement with 5 cr. I am investing 25k through SIP in the following Funds. 5k- icici pru bharat 22fof 5k-motilal oswal mid, 5K-Quant large and mid, 5k-Nippon Small cap 5k-Quant small cap, All Direct Funds. Investment Horizon - 20 to 22 Years. Goal -please check my portfolio,Wealth Creation, Risk Appetite- High. Please advise if I should pause or continue with these mutual funds.

Ans: Your investment approach demonstrates a proactive mindset towards achieving your retirement goal. With a high-risk appetite and a long investment horizon of 20 to 22 years, you've chosen funds that align with your objectives.

Your portfolio consists of a mix of funds across various market caps, providing diversification and potential for growth. However, it's essential to periodically review your investments to ensure they remain aligned with your goals and market conditions.

Given your high-risk appetite, the funds you've selected appear suitable for wealth creation over the long term. However, consider monitoring their performance regularly and adjusting allocations if needed. Additionally, stay informed about economic and market trends that could impact your investments.

As you progress towards your retirement goal, you may consider rebalancing your portfolio periodically to maintain an optimal mix of assets. Consulting with a Certified Financial Planner can provide valuable insights and guidance tailored to your specific circumstances.

Overall, your proactive approach to investing and commitment to long-term wealth creation are commendable. By staying disciplined and informed, you're on track to achieve your retirement goal of 5 crores. Keep nurturing your investments, and they're likely to flourish over the years ahead.
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  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 01, 2024

Asked by Anonymous - Mar 24, 2024Hindi
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Hi sir,I am 40 years old, my goal is retirement with 5 cr. I am investing 25k through SIP in the following Funds. 5k- icici pru bharat 23fof 5k-motilal oswal mid, 5K-Quant large and mid, 5k-Nippon Small cap 5k-Quant small cap, All Direct Funds. Investment Horizon - 20 to 22 Years. Goal -please check my portfolio,Wealth Creation, Risk Appetite- High. Please advise if I should pause or continue with these mutual funds.
Ans: Based on your investment horizon, risk appetite, and goal of accumulating 5 crores for retirement over the next 20 to 22 years, let's evaluate your current mutual fund portfolio:

ICICI Prudential Bharat 22 FOF: This fund aims to invest in a diversified portfolio of equity and equity-related securities of companies participating in the growth of Indian economy, and also in units of Bharat 22 ETF. As it focuses on large-cap and well-established companies, it can provide stability to your portfolio. However, since it's a fund of funds (FOF), it may have slightly higher expenses compared to regular equity funds.

Motilal Oswal Midcap 30 Fund: This fund primarily invests in mid-cap stocks, which have the potential for high growth but also come with higher volatility compared to large-cap stocks. Given your high risk appetite, this fund can be suitable for your portfolio as it aims to capture the growth potential of mid-sized companies.

Quant Large and Mid Cap Fund: This fund follows a quantitative investment approach, which uses mathematical models to select stocks based on predefined criteria. While quantitative strategies can offer a systematic approach to investing, it's essential to assess the fund's track record and performance consistency over time.

Nippon India Small Cap Fund: Investing in small-cap companies can provide significant growth opportunities, but it also comes with higher risk and volatility. Given your risk appetite, allocating a portion of your portfolio to small-cap funds can be suitable for long-term wealth creation, provided you can tolerate the associated volatility.

Quant Small Cap Fund: Similar to Quant Large and Mid Cap Fund, this fund follows a quantitative approach to investing but focuses on small-cap stocks. As with any small-cap fund, be prepared for higher volatility and fluctuations in returns.

Considering your high risk appetite and long investment horizon, your current portfolio appears aligned with your goals. However, it's essential to regularly review your investments and monitor the performance of your funds. If any fund consistently underperforms or deviates from its investment mandate, consider replacing it with a better-performing alternative.

Additionally, since you have a long investment horizon, you can consider increasing your SIP amounts periodically to benefit from the power of compounding and accelerate wealth accumulation. As always, consult with a financial advisor to ensure your investment strategy remains appropriate based on your evolving financial circumstances and goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Hi sir,I am 40 years old, my goal is retirement with 5 cr. I am investing 25k through SIP in the following Funds. 5k- icici pru bharat 23fof 5k-motilal oswal mid, 5K-Quant large and mid, 5k-Nippon Small cap 5k-Quant small cap, All Direct Funds. Investment Horizon - 20 to 22 Years. Goal -please check my portfolio,Wealth Creation, Risk Appetite- High. Please advise if I should pause or continue with these mutual funds.
Ans: Looks like you've got a good head start on your retirement savings plan! It's great that you're investing consistently through SIPs and have a long investment horizon. Let's break down your portfolio:
Good Diversification: Having a mix of funds across large-cap, mid-cap, and small-cap captures different risk-reward opportunities. This is a good approach for building wealth over the long term.
High Risk Appetite: Your fund selection indicates a high-risk appetite. This can potentially lead to higher returns, but also means your investments can experience more ups and downs along the way.
Consider Portfolio Review: While a general overview looks promising, a more in-depth analysis might be helpful. A Certified Financial Planner (CFP) can assess your individual risk tolerance, investment goals, and review your specific fund choices to ensure they align with your overall plan.
Staying the Course: Remember, market fluctuations are normal. Don't panic and make impulsive decisions based on short-term dips. If you have a long-term view (20-22 years) and stay invested, your SIPs can help you ride out market volatility.
Keep an Eye on It: Periodic reviews are important. Markets and your financial goals can evolve over time. A CFP can help you monitor your portfolio and make adjustments as needed.


There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.

Overall, you're on the right track! Keep up the good work!
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 17, 2024Hindi
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Hi sir,I am 40 years old, my goal is retirement with 5 cr. I am investing 25k through SIP in the following Funds. 5k- parag parikha flexi cap 5k-motilal oswal mid cap 5K-Quant large and mid cap 5k-Nippon Small cap 5k-Quant small cap, All Direct Funds. Investment Horizon - 20 to 22 Years. Goal -please check my portfolio,Wealth Creation, Risk Appetite- High. Please advise if I should pause or continue with these mutual funds.
Ans: It's fantastic that you're planning ahead for your retirement, and your investment strategy reflects your goal of wealth creation with a high-risk appetite. Let's review your portfolio:
1. Parag Parikh Flexi Cap Fund: This fund follows a flexible investment approach, investing in a mix of large-cap, mid-cap, and small-cap stocks. It's known for its diversified portfolio and has a track record of delivering consistent returns over the long term.
2. Motilal Oswal Mid Cap Fund: Mid-cap stocks have the potential for higher growth but also come with higher volatility. This fund focuses on mid-cap companies with strong growth prospects, suitable for investors with a higher risk tolerance.
3. Quant Large and Mid Cap Fund: This fund combines large-cap and mid-cap stocks, aiming to provide capital appreciation over the long term. Quantitative techniques are used for stock selection, which can add a unique flavor to your portfolio.
4. Nippon Small Cap Fund: Small-cap stocks have the potential for significant growth but are more volatile. This fund focuses on small-cap companies with growth potential, aligning with your high-risk appetite.
5. Quant Small Cap Fund: Similar to the previous fund, this one specifically targets small-cap stocks using quantitative methods for stock selection.
Considering your investment horizon of 20 to 22 years, your portfolio seems well-diversified across different market segments, aligning with your high-risk appetite and wealth creation goal. However, it's essential to regularly review your portfolio's performance and make adjustments if necessary.
I recommend consulting with a Certified Financial Planner periodically to ensure your investment strategy remains on track with your retirement goal and risk tolerance.

Shifting from direct to regular mutual funds can offer several advantages, especially for investors seeking personalized support and guidance:
Regular mutual funds provide access to the expertise of a Mutual Fund Distributor (MFD) who is often a Certified Financial Planner (CFP). They can offer valuable insights, emotional handholding, and personalized guidance tailored to your financial goals and risk tolerance.
MFDs can assist with asset rebalancing, helping you maintain an optimal allocation of assets based on market conditions and changes in your financial situation. This ensures your portfolio remains aligned with your investment objectives over time.
Scheme selection can be overwhelming with numerous options available in the market. An MFD with CFP credentials can help navigate this complexity by recommending suitable funds that align with your risk profile, investment horizon, and financial goals.
By opting for regular mutual funds through an MFD, you not only gain access to professional advice but also benefit from ongoing support and assistance throughout your investment journey. This can instill confidence and peace of mind, knowing that you have a trusted advisor by your side.
Consider making the switch to regular mutual funds to leverage the expertise and guidance of a Certified Financial Planner through a Mutual Fund Distributor. It can enhance your investment experience and increase the likelihood of achieving your retirement goal of 5 crores.

Keep up the good work with your disciplined SIP investments, and stay focused on your long-term financial objectives.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

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Money
Hi sir,I am 40 years old, my goal is retirement with 5 cr. I am investing 25k through SIP in the following Funds. 5k- icici pru bharat 23fof 5k-motilal oswal mid, 5K-Quant large and mid, 5k-Nippon Small cap 5k-Quant small cap, All Direct Funds. Investment Horizon - 20 to 22 Years. Goal -please check my portfolio,Wealth Creation, Risk Appetite- High. Please advise if I should pause or continue with these mutual funds.
Ans: Portfolio Review and Recommendations for Wealth Creation
Overview of Current Investments
Your portfolio consists of a monthly SIP of ?25,000 distributed as follows:

?5,000 in ICICI Prudential Bharat 23 FoF
?5,000 in Motilal Oswal Midcap Fund
?5,000 in Quant Large and Mid Cap Fund
?5,000 in Nippon Small Cap Fund
?5,000 in Quant Small Cap Fund
You have a high-risk appetite and a 20 to 22-year investment horizon with a goal of creating a retirement corpus of ?5 crores.

Compliments on Your Investment Strategy
Your disciplined approach to investing through SIPs is commendable. Consistency in SIPs, especially in equity funds, aligns well with your high-risk appetite and long-term horizon. This strategy helps in rupee cost averaging and compounding returns over time.

Analytical Review of Your Portfolio
ICICI Prudential Bharat 23 FoF:

This fund focuses on sectors highlighted in the Bharat 23 theme.
While thematic funds can offer high returns, they come with concentrated risks.
Motilal Oswal Midcap Fund:

Midcap funds can provide significant growth over the long term.
They are suitable for investors with a high-risk appetite due to higher volatility.
Quant Large and Mid Cap Fund:

This fund offers a balanced exposure to large-cap and mid-cap stocks.
It provides a good blend of stability and growth.
Nippon Small Cap Fund:

Small cap funds can generate high returns but come with higher risks.
They are more volatile compared to large and mid-cap funds.
Quant Small Cap Fund:

Similar to the Nippon Small Cap Fund, this fund focuses on high-growth small-cap companies.
Diversifying within the small cap segment may not be necessary.
Recommendations for Wealth Creation
Diversification:

Your portfolio is heavily tilted towards small and mid-cap funds.
Adding a large-cap fund or a diversified equity fund can provide stability.
Rebalance Sectoral/Thematic Exposure:

The ICICI Prudential Bharat 23 FoF is thematic.
Consider reducing exposure if the theme does not align with your overall strategy.
Consolidate Small Cap Investments:

Holding two small cap funds may not be necessary.
You can consolidate into one fund to avoid overlap and simplify management.
Consider Actively Managed Funds:

Direct funds have lower expense ratios but require more monitoring.
Actively managed funds can offer professional management and potential for higher returns.
Steps to Achieve ?5 Crores
Regular Review and Adjustments:

Periodically review your portfolio and make adjustments based on performance and market conditions.
Increase SIP Amount:

Gradually increase your SIP amount as your income grows.
This can significantly boost your corpus over the long term.
Emergency Fund and Insurance:

Ensure you have an emergency fund and adequate health and life insurance.
This protects your investments and provides peace of mind.
Stay Invested:

Market volatility is inevitable.
Staying invested and not reacting to short-term market fluctuations is crucial.
Conclusion
Your current portfolio is on the right track for wealth creation given your high-risk appetite and long-term horizon. However, some adjustments can enhance stability and growth potential. Diversifying across different market caps and sectors will help in balancing risk and returns. Keep increasing your SIPs and reviewing your portfolio regularly to stay aligned with your goals.

Your disciplined investment approach and thoughtful planning are commendable. With consistent efforts and regular reviews, you are well on your way to achieving your retirement goal of ?5 crores.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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My age is 30 gf is also of same age ..we have caste issue and she is being hindu..but we love each other deeply ..we are in strong seriously relationship since 5 years ..but suddenly now she has cheated with me with a guy of same caste and too rich..now i am devasted ..i have done everything for her she asked for and i have given my blood sweat and tears to work it this relation into marrige...since i found out my gf had cheated on me i am not in myself..my left chest always has mild to severe pain when i think about her .it is just sudden change of emotions..when i am doing my work i forgets about her but not able to focus and it is reflecting on my performance...please confirm what should i do now .she has said sorry multiple times ..but i cannot trust her the same way and not able to love her same way as it is use to be...though my feelinga for her never gonna die but this feeling only killing me please confirm what should do please
Ans: Dear Anonymous,
Heartbreaks can show up in the body as aches and pains; but do visit the doctor to rule out any issue causing the pain in your chest.
I would suggest 'taking a break' from your relationship to process what has gone on...being cheated upon is not easy to digest and you need the time to understand what has happened.
Yes, loss of trust can be very difficult to repair but whether you want to forgive her or not, trust her again or not are things to be dealt with as you go into this 'break mode' as it will allow the anger to heighten, simmer and then dull down while the importance of this person in your life will arise where you can then ask yourself if you wish to continue this relationship or you actually can do away with it.
I do feel that you will benefit from working with a professional on this as your mind state can interfere in the process of reflection and healing. So, do consider that as well...
I will not say that Time Heals, but Time gives you an opportunity to reflect and learn...

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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I (30M) am looking for suitable match through Arranged Marriage Platforms. Recently, I had connected with a Lady (25F) who seemed to tick all the Boxes, which I preferred in a Life Partner & she seemed to like me too, we both were getting along quite well through chatting & phone calls. When we met, in person for the first time, I POLITELY asked her what's her BODY COUNT (while mentioning that my Body Count is Zero, as I am VIRGIN). Immediately, she lost her Temper, started abusing me & splashed her Drink all over my Face & Clothes, she was physically assaulting me, when the waiters intervened & calmed her down. I was feeling Humiliated in Public. She threatened that she would Report me to the Police for 'SEXUAL HARASSMENT'. Realising that she could ruin my Life, I apologised to her earnestly & made Peace. Needless to say, she ended all contact with me. But, this incident has left me emotionally bruised. Did I do anything Wrong by asking my prospective Life Partner about her Sexual History? Don't I have the Right to know about this aspect of the Woman, I'd be Marrying? Was she right in taking offence at my Question? Can her Reaction be Justified? Does my Question warrant a Criminal Case against me (something as Heinous as 'Sexual Harassment')? How do I handle such situations in the Future? Should I avoid asking, any other prospects, in the future m, such sensitive personal Questions? What do I do, in case, any other Lady, behaves aggressively with me? Would it be better, if I Record our entire conversation, secretly, using a Bodycam, as a Pro-Active measure, to prove my Innocence & defend myself against Criminal Proceedings? Would it be Legal, to Record our Conversation, without her Knowledge or Consent? Or shall I seek her Consent & Proceed cautiously? Please Advise me, how to handle such sensitive situations, in the Future.
Ans: Dear Anonymous,
Things have definitely changed in the dating and marriage scene from what it was even 20 or 10 years back...
But hey, I still have my reservations on whether women are comfortable answering very intimate questions...do you not think that a question on body count can be reserved to a future meeting maybe when the two of you show interest in each other and when transparency is vital to further the connection?
Right on Day 1, what is the necessity to jump about and get curious about it? Maybe if someone asked you, you would be okay with it but not everyone or every woman is going to be comfortable with it.
When you pay attention to what the other person wants and likes, there are minimal chances of you slipping up and irking them; where is the question then to take care of legal stuff, recording etc...
Genuinely be there with the other person in a conversation and when the rapport is built, the conversation flows effortlessly and you will start to enjoy it. Start to get curious about who they are as people rather than how many people they have slept with...This should help you!

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

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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