I need your advice on my below investment for 7-10 years horizon.

Please suggest if any changes required.

Company No of units

1. Axis Blue Chip Fund (G) 5,000

2. Axis Mid Cap Fund (G) 5,000

3. Mirae Asset Large Cap Fund (G) 5,000

4. Axis Small Cap Fund (G) 5,000

5. Aditya Birla SL Frontline Equity Fund (G) 2,000

6. HDFC Mid-Cap Opportunities Fund (G) 2,000

I am 20 year old, in software development since last 3 years, I am very keen reader of your column and take lot of inspiration from your remarks for investing, following is my portfolio: SIP-L652G SBI Multicap fund Regular Plan Growth -- 10000 Lump sum-SBI Large & Midcap fund Regular Growth -- 500000 Lump sum-SBI Additional purchase -- 400000 SIP-SBI Small Cap fund dir Growth -- 25000 SIP-Sbi nifty index fund direct plan Growth -- 5000 Lump sum-Parag Parikh Flexi Cap Fund -- 5000 SIP Parag Parikh FCF -- 2000 Lump sum-Nippon India Growth Fund -- 5000 SIP-Nippon small Cap fund -- 15000 SIP-Nippon India Growth Fund -- 15000 SIP-UTI Flexi Cap Fund (UTI Equity fund) -- 15000 SIP-UTI Nifty 50 Index Fund -- 5000 Lump sum-Axis Blue chip fund-direct growth -- 250000 Lump sum-ICICI Blue chip -- 250000 SIP-ICICI Technology fund - dir plan Growth – 1000 SIP-Tata Digital India fund -dir plan Growth -- 2000 All SIPS are per month (95k) All investment is only 6-month old; please suggest any changes as i am investing 100% in MF and NIL in Bank FD now. Further from software development i am expecting around 5 Lakh, please suggest suitable to invest in any other or continue in above. I would like to take very high risk and timespan minimum 5 years, please advise approx value after 5 years with current portfolio.

Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Dec 15, 2022

Question by Gagan - Dec 15, 2022Hindi

Ans: Hi Gagan Kulkarni. The detailed overview of your MF portfolio indicates over-diversification with 95k SIP. Hence, I would suggest reconsidering, concising, and reshuffling your portfolio. As part of the portfolio reshuffle, make sure to have AMC diversification as well.

Limit yourself to 1-2 schemes in each category. I can see several schemes in different categories for each AMC.

For Lump sum investment you may consider ICICI Bluechip Fund, SBI Large & Mid Cap Fund and Nippon Small cap Fund. In next 5 years you may achieve a corpus of 1 Cr with 14% CAGR on your current sip and Lump sum investment.

Ans: investing Rs. 41,000 monthly is a great sign of discipline! It seems you're investing in several mutual funds, but let's see how we can optimize your portfolio.

Current Portfolio Analysis:

Number of Funds: Having 11 funds might be too many to manage effectively. It can be difficult to track performance and make adjustments.

Overlap: There might be overlap between some funds in terms of the stocks they invest in. This reduces diversification benefits.

Investment Strategy: Your portfolio has a mix of fund categories (Large & Mid Cap, Balanced Advantage, Sectoral, etc.). It's good, but we can improve it for your goals.

Here's why I can't give specific advice on your funds:

Performance: Past performance isn't a guarantee of future results. What did well yesterday might not do well tomorrow.

Your Goals: I don't know your investment goals (retirement, child's education, etc.) These influence the best investment choices.

Here are some suggestions to improve your portfolio:

Reduce the number of funds: Aim for 4-5 well-diversified funds across different market capitalizations (Large, Mid, and Small Cap).

Consider Asset Allocation: Decide on a strategic asset allocation based on your risk tolerance and goals. This helps you pick the right mix of asset classes (equity, debt).

Actively Managed Funds: Actively managed funds, where experienced professionals make investment decisions, can potentially outperform the market. Consider consulting a Certified Financial Planner (CFP) to help you choose these funds.

Benefits of a Regular Plan with a CFP:

Guidance: A CFP can analyze your financial situation and recommend a suitable investment strategy.

Portfolio Monitoring: They can help you track your investments and make adjustments as needed.

Goal Planning: They can help you set realistic financial goals and choose investments to achieve them.

Regular plans with a CFP might have slightly higher fees than direct plans, but the guidance can be valuable, especially for new investors.

Here are some additional thoughts:

Review Regularly: Meet with your CFP periodically to review your portfolio and adjust it as your life and goals evolve.

Stay Invested: Don't panic and redeem your investments during market downturns. A long-term view is important for building wealth.

By streamlining your portfolio, seeking professional help, and staying invested, you can increase your chances of achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7550 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Question by RSUBRAMANIAN - May 02, 2023Hindi

SIP 10,000.00 UTI Nifty 50 Index Fund SIP 10,000.00 HDFC Mid Cap opportunities fund SIP 10,000.00 UTI Nifty 200 Momentum 30 Index Fund SIP 10,000.00 Nippon India Growth Fund SIP 5,000.00 Axis Small Cap SIP 5,000.00 Nippon Small Cap i have these investements please comment

Ramalingam Kalirajan |7550 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 23, 2024Hindi

Ans: Current SIP Investments Overview

Your current SIP investments demonstrate a well-diversified portfolio. Allocating Rs. 10,000 each to UTI Nifty 50 Index Fund, HDFC Mid Cap Opportunities Fund, UTI Nifty 200 Momentum 30 Index Fund, and Nippon India Growth Fund, along with Rs. 5,000 each in Axis Small Cap and Nippon Small Cap, shows strategic planning.

Your disciplined investment approach is commendable. Ensuring minimal overlap among funds shows careful planning. This is a critical step in building a strong investment portfolio.

Disadvantages of Index Funds

Index funds like the UTI Nifty 50 Index Fund merely replicate market performance. They do not aim to outperform the market. Actively managed funds can potentially achieve higher returns through strategic portfolio adjustments.

Benefits of Actively Managed Funds

Actively managed funds are managed by experts who make informed decisions based on market conditions. These funds aim to outperform the market, offering potential for higher returns. They also help in risk management by adapting to market changes.

Disadvantages of Direct Funds

Direct funds lack professional guidance. Regular funds managed by Certified Financial Planners provide expert advice, helping to optimize your portfolio. This professional management can significantly enhance your investment outcomes.

Analysis of Current Fund Selection

Your current SIPs are well-distributed across various market segments:

Large Cap: UTI Nifty 50 Index Fund
Mid Cap: HDFC Mid Cap Opportunities Fund
Momentum: UTI Nifty 200 Momentum 30 Index Fund
Growth: Nippon India Growth Fund
Small Cap: Axis Small Cap, Nippon Small Cap
This diversified approach balances risk and growth potential effectively.

Suggestions for Further Investment

With an additional Rs. 30,000 per month to invest, consider the following:

Flexi Cap Funds: These funds invest across different market capitalizations, providing flexibility and balance.

International Equity Funds: Diversifying globally can hedge against domestic market volatility and tap into global growth opportunities.

Sectoral/Thematic Funds: Investing in specific sectors like technology or healthcare offers high growth potential but comes with higher risk.

Regular Monitoring and Adjustments

Periodic reviews of your portfolio are essential. Market conditions change, and timely adjustments ensure your investments remain aligned with your financial goals. Regular reviews with a Certified Financial Planner can provide tailored advice based on current market trends and personal objectives.

Conclusion

Your current investment strategy is robust and well-structured. By adding further diversified funds and regularly reviewing your portfolio with professional guidance, you can optimize your investments and achieve long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

I am at 44 yr Engg graduate with 21 yrs of Telecom HR+MKT Experience with Govt as officer .Now doing Exe MBA from IIM joined 4 months ago . So what are the career options in the industry other sectors for me at age of 46 or i Should go for Phd from IIM or IIT .What should relevant topics for research then

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Ans: Ph.D. will broaden your horizon and you will be eligible for Teaching.
Industry demand skill and performance not Highest Degree.

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Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 13, 2025Hindi

Ans: Dear Anonymous,
I strongly suggest that you see an expert who can help you with this entire journey. It's not simple yet it can have a solution for you. Approach a professional and let them work with you guiding you step by step on not only releasing guilt BUT also work on your past relationship with your late wife which needs closure.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Hello..I met him on Jan 4 th of 2024.. this year he is not with me. We were in a relationship for almost 8 months. Everything was fine and blissful. Last December he told me he needs some time to decide about our relationship. First of all it was a blow to my confidence..I thought he will stay by my side no matter what it is. After a few days he told me he wants to move on. I was in no contact for 10 days. After I went back and called him..he told me he is talking with another girl and he likes her and going to marry her. My world was broken. The reason for this? Our horoscopes doesn't match also he brings up caste differences even though there is not much difference. We were each other's best friends cared and loved each other so much. Stood by eachother's tough times..I begged him I cried d...I lost all my self respect..I somehow wanted to keep him with me...but he threw me away. It pains a lot. I haven't recovered yet..but he is going to marry her very soon...the toughest part here is I have to see him everyday atleast for the next 6 months. How will I handle if he gets engaged? How will I handle when he gives out his wedding cards? I have big goals in life I want to achieve them. But I am terrified what if it all crumbles because of my inability to handle this pain and suffering? What should I do? Your suggestion is very much needed.

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Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 13, 2025Hindi

Ans: Dear Anonymous,
You did invest too much of yourself in him; but who can stop the way feelings move, right?
As hard as it maybe to accept this reality, move on...initially, it will be painful, but it's not worth losing yourself to anyone. Protect your identity and know that it does not stem from anyone or anything BUT it's YOU who defines it.
Maybe the past year that you lost time and could not focus on your goals, this year can be your year. Let him do what he needs to; why focus on someone who did not have the decency or courage to tell you things on your face. What will you gain by actually being with a person like that? I am sure you deserve much more...
Your goals and aspirations need you; go for it!

All the best!
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Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

My wife has started following Premanand ji maharaj and has stopped any intimacy between us since last one year. This has resulted v badly on me as my address level has increased, my blood pressure has increased and I have started feeling lonely. Have spoken to her several times, but no change.

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Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 13, 2025Hindi

Ans: Dear Anonymous,
At times, spiritual paths can temporarily derail people from what they are used to; it can just be a new way of living life...But since this is over a year and it has begun to bother you, don't you think you must talk to your wife and tell her how you feel. If you are quiet about it, obviously she's going to go with her changes and not think much about how things are getting affected back home; which she in fact should.
It is easy for people to get swayed by influential people and forget who they are and what they must be doing. I only hope this change is a temporary one and that your wife comes back to where she belongs and adopts the changes into her life positively,

All the best!
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Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

How can I convince anyone for having trust over me ?

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Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Question by arun - Jan 12, 2025Hindi

Ans: Dear Arun,
You cannot convince anyone of anything. Especially when it comes to TRUST, it's not a mere word. Display this in action where you do what you say/promise and be consistent with it. Trust then builds over time.

All the best!
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Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu Krishna |1442 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Question by Work - Jan 11, 2025Hindi

Ans: Dear Work,
Overthinking and over processing never helped anyone. Focus on your self-talk and change that.
- Journaling
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All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jan 19, 2025

Question by SS - Jan 12, 2025Hindi

Sir 1 have 6 year gap between class 10 and 12 and now I cleared jee exam so I am able to get any nit if I have 6 year gap between 10 and 12

Ans: Hi SS
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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jan 19, 2025

Question by Vaishnavi - Jan 16, 2025Hindi

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Career Counsellor - Answered on Jan 19, 2025

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Ans: All the BEST for your Daughter's JEE January Session. All instructions clearly explained just 1-week back in EduJob360 YouTube Channel. Please advise your daughter to watch the same when time permits. MOST IMPORTANT: Please take her to the Exam Centre (even if it is nearby) tomorrow morning to know the time taken to reach the centre, spend around 30 minutes there and come back (to remove her exam fear). SECOND IMPORTANT: To have very light food on 22nd morning and carry a transparent small water bottle (if allowed inside the hall). For the rest, please wath the video which is in detail. Once again, All The BEST for your Daughter's JEE & other Entrance Exams. Please follow RediffGURUS to know more on 'Careers | Jobs | Education'.

Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.

Ramalingam Kalirajan |7550 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Question by Prajwal - Jan 19, 2025Hindi

Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment