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Ramalingam Kalirajan |10870 Answers |Ask -Follow

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

Money

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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My age is 51 years. I have the following investments in MF through SIPs. Kindly advise me, details below: Mutual Fund Start SIP Amount ABSL Equity Advantage Fund-Growth Oct-14 2000 ABSL Frontline Equity Fund-Growth Sep-18 2000 Canara Robeco Emerging Equities- Sep-18 3000 Stopped Canara Robeco Emerging Equities- Jan-22 3000 ICICI-Prudential Long Term Plan ELSS Jan-11 2000 Nippon India Multi cap Value Fund Nov-13 2000 Sundaram Mid Cap fund Regular Oct-13 2000 SAMCO Flexi fund Feb-22 10000 One time

Ans: Except the first one, you can continue the rest!

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Question by Venkata - Apr 11, 2022Hindi

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I am 49 years old. I have started investing in MF for a couple of years. Below is my portfolio. I can invest some more in SIPs. Please check and advise. Fund Plan SIP Status UTI FLEXICAP GROWTH Active MOTILAL OSWAL FOCUSED 25 FUND GROWTH Active ICICI PRUDENTIAL BLUECHIP FUND GROWTH Active AXIS ESG EQUITY FUND REGULAR GROWTH Active LNT INDIA VALUE FUND REGULAR PLAN-GROWTH OPTION Paused KOTAK FLEXICAP FUND GROWTH OPTION Stopped ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND GROWTH Stopped

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Question by Bappa - Jan 06, 2021Hindi

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I am 47 years old. I have 8 MF ongoing SIPs, which started 3-5 years before, kindly review and advise details as below. further in addition to this if i want to invest lump-sum amount may be 2 Lakhs, which better option you suggest. SBI Focused Equity Fund Reg Growth: Rs 1000.00 SBI Blue Chip Fund Reg Plan-G: Rs 1000.00 SBI BFS Fund- Reg Plan Growth: Rs 1000 Aditya Birla SL Frontline Equity Fund(G): Rs 2000.00 Franklin India Prima Fund(G): Rs 2000.00 Aditya Birla SL Dynamic Bond Fund-Reg(G): Rs 1000.00 Franklin India Bluechip Fund(G): Rs 2000.00 HDFC Hybrid Equity Fund(G): Rs 2000.00

Ans: Axis Bluechip Fund – Growth is better Large cap option; sectoral fund can be avoided due to concentration risk; Canara Robeco Equity Hybrid Fund - Growth is better Aggressive Hybrid and Axis Mid Cap fund – Growth is better Mid cap Fund

Rest are fine.

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Question by N - Sep 21, 2022Hindi

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My age is 56 years. I have the following investments in MF through SIPs. Kindly advise me, details below: UTI Flexi Cap Jun-20 5000 Axis Mid Cap Feb-21 5000 PPFAS Flexi Cap May-21 5000 Axis ESG Jun-21 5000 DSP Quant Fund Aug-21 5000

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Question by Altaf - Oct 11, 2025

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My age is 50 years. I have the following investments in MF through SIPs. Kindly advice me. Details below: MF Start amount status 1.Motilal May-25-- 2000 active Oswal Midcap fund. 2.parag Nov-20 2000 active parik Flexi cap fund. 3.Motolal June-25 2000 active oswal BSE 1000 Index Fund. 4.Quant june-23 1000 active Smallcap fund. 5.DSP multi Sep-23 2000 active Asset alloc- ation fund. 6.Icici pru May-24 2000 active Regular Gold saving (FOF). 7.Icici pru Sep-24 1000 active Equity& Debit Fund. 8.White Oak Dec.-24 1000 Stoped Capital flaxi Cap fund. 9.Bandhan Sep.-25 2000 active small cap Fund. 10.SBI Gold Sep-25 2000 active Fund.

Ans: At 50, your portfolio should balance moderate growth with capital protection, because you are likely approaching retirement in 8–10 years.
Your current SIP pattern shows good diversification — equity, gold, multi-asset — but a bit of overlap and small-cap overweight.
Suggested Action Plan

Streamline portfolio (reduce duplication)

Stop: Bandhan Small Cap Fund

Stop: SBI Gold Fund

Keep: Quant Small Cap + ICICI Pru Gold

New SIP additions / adjustments

Add: ICICI Balanced Advantage Fund (?2,000–3,000/month) — auto-balancing hybrid fund, low volatility.

Add: HDFC Flexi Cap Fund (?2,000/month) for steady large-cap growth.

Approx. new allocation (after trimming)

Large/Flexi Cap: 40% (Parag Parikh, HDFC Flexi, Index Fund)

Mid Cap: 15%

Small Cap: 10%

Hybrid/Multi-Asset: 25%

Gold: 10%

This mix balances growth and protection — ideal for your stage.

???? Additional Suggestions

Stay invested till 58–60 for full compounding benefits.

Once you reach 55+, start gradually moving 20–25% into short-duration debt funds or conservative hybrids.

Avoid more than 2 small-cap or thematic funds; volatility can hurt nearing retirement.

Always review performance yearly; trim underperformers.

???? Final Note

You are on the right track — diversified, disciplined, and consistent.
Just simplify, reduce overlap, and add stability via hybrid or balanced advantage funds.
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

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Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

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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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