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Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 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 05, 2024Hindi
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Sir, I AM 48 years NRI, have no liability, Current MF accumulation 22 Lakh and Monthly SIP 60K, FD 30L which is maturing oct2024, what should I do when the FD is matured, should I invest in MF, kindly also review the following SIP are fine SBI Multicap fund direct growth-5K SBI Focused equitity fund growth-20K Axis Midcap Fund direct growth -K ICICI India oppertunities fund growth-10K ICICI Smallcap fund Growth-10K Kotak Oppertunities Fund-5K Mirae Midcap Fund Growth-5K

Ans: As an NRI, when your FD matures, consider reinvesting the proceeds into a diversified portfolio of mutual funds to optimize returns. Since you already have a substantial amount in mutual funds, you can allocate the FD proceeds based on your risk appetite and investment goals. Given your age and current investments, you may consider a balanced allocation across equity and debt funds for stability and growth.

Regarding your SIP portfolio, it appears diversified across different fund categories, providing exposure to multicap, focused equity, midcap, smallcap, and opportunities funds. However, you may review the performance of each fund periodically and make adjustments based on your risk tolerance and market conditions.

Before making any investment decisions, it's advisable to consult with a financial advisor who can provide personalized advice based on your financial situation, goals, and risk profile.
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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