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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jun 15, 2022

Mutual Fund Expert... more
Pranabananda Question by Pranabananda on Jun 15, 2022Hindi
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I am 48. I am investing in these funds for the last 5 years. Please suggest whether I can continue with this for another 10 years or need some changes.

1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH - Rs.1000

2) DSP MID CAP FUND--GROWTH - Rs.3000

3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH - Rs.2000

4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH - Rs.1000

5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH - Rs.1000

6) MIRAE ASSET TAX SAVER FUND-GROWTH - Rs.2000

7) HDFC CHILDRENS GIFT FUND-GROWTH - Rs.1000

8) AXIS FLEXI CAP FUND-GROWTH - Rs.3000

9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH - Rs.1500

10) MIRAE ASSET MIDCAP FUND-GROWTH - Rs.3000

11) NIPPON INDIA SMALL CAP FUND -GROWTH - Rs.1000

Sir, I have 5 lakh to invest for a long term say for 10 years. Please suggest in which fund to invest. Also suggest the mode of investment whether to invest as STP or in lump sum.

Ans: No further funds are required, you may invest in the same funds

 

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Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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I have shortlisted these funds from my research and planning to invest as lumpsum in 6 to 8 months for a long term i.e. 8-10 year horizon. I am 54 years old. Kindly give your inputs Hdfc Focused 30 fund 20% Parag Parikh Flexicap fund 15% Quant Large & Midcap fund 15% ICICI Pru Nifty 200 Mom 30 index fund15% Motilal Oswal Midcap 150 index fund 15% Nippon India Smallcap 250 index fund 5% Motilal Oswal Microcap 250 index fund 5% Mirae Asset NYSE FANG+ ETF FoF 5%
Ans: Evaluation of Lumpsum Investment Portfolio

Strategic Portfolio Assessment

Your proposed investment portfolio reflects a diversified approach encompassing various mutual funds and exchange-traded funds (ETFs), tailored for a long-term horizon. Let's analyze each component and provide insights to optimize your investment strategy.

Assessing Fund Selection for Long-term Growth

The selection of funds demonstrates a blend of actively managed funds and index funds/ETFs, aiming to capture growth opportunities across different market segments. This diversified approach aligns well with your long-term investment horizon.

Benefits of Actively Managed Funds

Actively managed funds, such as HDFC Focused 30 Fund and Parag Parikh Flexicap Fund, offer the potential for higher returns through active stock selection and portfolio management. These funds leverage fund manager expertise to capitalize on market opportunities.

Disadvantages of Index Funds and ETFs

While index funds and ETFs provide cost-effective exposure to broad market indices, they may underperform actively managed funds during certain market conditions. Additionally, index funds lack flexibility in portfolio composition and may not fully capture market inefficiencies.

Optimizing Fund Allocation

Consider rebalancing your portfolio to ensure optimal allocation across different market segments. While large-cap, mid-cap, and flexi-cap funds offer diversification across market capitalizations, index funds and ETFs provide exposure to specific market indices.

Risk Management Considerations

Given your age and investment horizon, prioritize funds with a track record of consistent performance and risk-adjusted returns. Evaluate the risk-reward profile of each fund and ensure alignment with your risk tolerance and financial goals.

Monitoring and Review

Regularly monitor the performance of your portfolio and review fund selection periodically. Assess any changes in market conditions, fund performance, and your financial objectives to make informed decisions regarding portfolio adjustments.

Conclusion

Your proposed investment portfolio demonstrates a well-thought-out approach to long-term wealth accumulation. By blending actively managed funds with index funds/ETFs, you can leverage the strengths of both approaches and optimize portfolio returns while managing risk effectively.

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K. Ramalingam, MBA, CFP,

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Ramalingam Kalirajan  |7258 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Hello Sir, i am 45, working as govt employee. I am currently investing in following funds for the past 5 years- 1. Canara Rob Emerg equities fund-reg(g)-2000. 2. ICICI Pru blueschip fund(g)-2000 3. Nippon India focused equity fund (g)-2000 4. SBI Small cap fund-reg(g)-2000 5. Tata Hybrid equity fund reg(g)-2000. Sir, first advice,Do I have to change these funds or these are ok?. Please suggest me your inputs regarding these funds. I also want to add 4000 more per month. Please suggest me good funds.
Ans: Your consistent investment over the past 5 years reflects commendable financial discipline. Let's evaluate your current portfolio and suggest potential adjustments to align with your goals.

Review of Current Investments
1. Canara Rob Emerg Equities Fund:

Focus: Emerging equities.
Assessment: Offers exposure to high-growth potential companies. May be volatile but suitable for long-term growth.
2. ICICI Pru Bluechip Fund:

Focus: Bluechip companies.
Assessment: Provides stability and consistent returns. Suitable for investors seeking steady growth with lower risk.
3. Nippon India Focused Equity Fund:

Focus: Focused approach to equity investment.
Assessment: Concentrated portfolio aiming for higher returns. Requires higher risk tolerance.
4. SBI Small Cap Fund:

Focus: Small cap companies.
Assessment: High growth potential but comes with higher risk due to volatility.
5. Tata Hybrid Equity Fund:

Focus: Mix of equity and debt.
Assessment: Provides diversification and stability. Suitable for conservative investors.
Potential Adjustments
1. Reviewing Existing Funds:

Performance Check: Assess the performance of your current funds against benchmarks and peers.
Risk Assessment: Consider your risk tolerance and investment horizon when evaluating the suitability of each fund.
2. Adding New Funds:

Strategic Allocation: Consider adding funds that complement your existing portfolio and fill any gaps.
Diversification: Aim for a well-diversified portfolio across asset classes and investment styles.
Suggestions for Additional Investments
1. Large Cap Fund:

Stability: Add a large cap fund for stability and consistent returns.
Example: Look for funds with a proven track record in investing in bluechip companies.
2. Balanced Advantage Fund:

Dynamic Allocation: Consider a balanced advantage fund for dynamic asset allocation.
Benefits: These funds adjust their equity-debt mix based on market conditions, providing stability with growth potential.
3. Multi-Cap Fund:

Diversification: Invest in a multi-cap fund for exposure across market capitalizations.
Flexibility: These funds have the flexibility to invest across large, mid, and small cap stocks based on market opportunities.
Importance of Professional Guidance
Engage a Certified Financial Planner (CFP):

Personalized Advice: A CFP can provide personalized advice tailored to your financial goals and risk tolerance.
Optimization: Helps optimize your portfolio and ensure it aligns with your long-term objectives.
Regular Monitoring and Review
Periodic Portfolio Review:

Frequency: Review your investment portfolio periodically, at least annually.
Adjustments: Make adjustments as needed to ensure your investments stay aligned with your goals and market conditions.
Final Thoughts
Your current portfolio includes a mix of funds catering to different investment objectives. Consider reviewing the performance of your existing funds and adding new funds to further diversify and optimize your portfolio. Seeking professional guidance from a Certified Financial Planner can provide valuable insights and ensure your investments are on track to meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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How far reliable this new investment platform talked and even promoted by ( Invest Rs 21000 and earn 2 million dollar per month) RBI Gov,Sundar Pitchai,Narayana Murthy, Sudha N Murthyand even by FM
Ans: The claim you mention—"Invest Rs. 21,000 and earn $2 million per month"—is a classic red flag for a scam or fraudulent investment scheme. It is highly unlikely that reputed personalities would endorse such a scheme. Let me explain why you should approach such claims with extreme caution:

1. Unrealistic Returns
Promising an exorbitant return like $2 million per month from a small investment of Rs. 21,000 is highly unrealistic. Genuine investment platforms provide returns in line with market performance and risk levels, which are far less dramatic.
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Check the official websites or verified accounts of these personalities to confirm any claims. Misusing their names is a common tactic used by scammers.
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As a rule of thumb, if an offer sounds too good to be true, it probably is. Legitimate investments grow over time and require careful planning and risk management.
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Consult an Expert: Speak to a financial advisor or investment consultant before putting your money anywhere.
Report Suspicious Activities: If you suspect fraud, report it to the Cyber Crime Cell or SEBI.
Would you like me to help you investigate this specific platform further? If yes, please provide the name or link, and I can assist.

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Relationships Expert, Mind Coach - Answered on Dec 13, 2024

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In an arranged marriage I was talking to a boy we both liked each other. So we exchanged our what's app no. Then he texted one day we talked that day he seemed to be not interested in talking as he was replying very late. After that I sent him a good morning messege. Then we had no talking for 2 days straight. Then after that my father called his father to ask why is the boy taking this much time to respond to this his father told that you can show your girl to others and we have no problem. Then after that I sent a hi massege to him. Then he asked me when will I be free to connect. Then he calls at 11pm and says that we can call another day as it's too much late. Then next day also same but that day we chatted on whatsapp to around 1'o clock today. But now I have decided that I will not text him first. What should I do now I am really puzzled to what to do.
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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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