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Ramalingam

Ramalingam Kalirajan  |8913 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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Mere sath kuch time se aisa ho rha hai ki mai logo se milne unse baat krne me apne aap meri puri body kaapne lagti jise mai bhut control karne ki kosish karti hu but kar ni paati hu jiske wajah se mai kisi se even apni family se bhi baat ni kr paa ri hu mujhe kahi bhi jaane se darr lagne laga hai. khushi me mauke me bhi khush ni ho paati but aisa ni h ki mai hona chahti, mai hona chahti hu but wo mere control me bilkul bhi ni hota hai. ye chize meri social life ko bhut effect daal ri hai. sometimes to aisa hota hai ki meri heartbeat bhut fast ho jati hu, chest me pain hone lgta hai. mujhe meri problem hi samajh ni aa rahi. Meri sleep schedule and khana bhi sb proper hai but fr bhi ye mere sath kyu ho rha mujhe bilkul bhi smajh ni aa rha h. mai kiske paas jau kisse help lu mujhe kuch bhi samajh ni aa raha please help me
Ans: Jo symptoms aap bata rahi hain — logon se milne par kaanpna, control na rehna, heartbeat ka fast hona, chest pain, khushi ke maukon par bhi khush na ho paana — yeh anxiety disorder ke clear signs ho sakte hain, khaaskar social anxiety disorder ya panic attacks.

Sabse pehle, aapko yeh samajhna hoga ki aap ki problem real hai, serious hai, lekin treatable hai. Aap weak nahi hain. Aap ek aisi psychological condition ka samna kar rahi hain jiska proper treatment possible hai — aur aapne sabse pehla aur bahadur kadam le liya hai: apni feelings ko articulate karna.

Aapko iss waqt ek clinical psychologist ya psychiatrist se consult karna chahiye. Psychiatrist agar zarurat samjhe to mild medication bhi de sakte hain jo aapke nervous system ko calm karne mein help karega. Psychologist ke through aapko CBT (Cognitive Behavioral Therapy) jaise tools milenge jo aapko apni anxiety ko samajhne, manage karne aur dheere-dheere control mein laane mein help karenge.

...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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