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Ramalingam Kalirajan |7720 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 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

Question by Ashutosh on Feb 20, 2024Hindi

Money

I am Ashutosh 48 yrs old ex-serviceman banker. For retirement plan I am investing in mutual funds all growth direct as follows.total invested 9 lakh since 2018. Now it's became 13.4 lakhs SBI small cap 2000 Sbi mid large cap 2000 Sbi focus 2000 Sbi nifty index 3000 Axis Blue chip 2000 Axis elss 2000 Axis growth opportunities 2000 Nippon India mid 150 index 3000 Nippon India small 250 index 3000 Parag parikh flexi 4000 How the my investment. I am aggressive invester.

Ans: As an aggressive investor, your portfolio appears well-diversified across various mutual funds, including small-cap, mid-cap, large-cap, index funds, and flexi-cap funds.

Since you're comfortable with taking on higher risk, this allocation aligns with your risk appetite. However, it's essential to regularly review the performance of your funds and ensure they continue to meet your investment goals. Consider rebalancing your portfolio periodically to maintain optimal diversification and adjust your strategy as needed based on market conditions and your evolving financial objectives.

Consulting with a financial advisor can provide additional insights and help ensure your investment strategy remains aligned with your long-term goals and risk tolerance.

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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Question by chittanand - Mar 28, 2023Hindi

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Ans: Hello Mr Chittanand , Glad to see you are already into investing. Kindly reduce number of schemes and same nature schemes. As far as shares are concerned portfolio looks good but do book profits when you get them.
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Question by Ashutosh - Feb 05, 2024Hindi

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I am Ashutosh 48 yrs old ex-serviceman banker.monthly income 1.30 lakh currently .afte 12 yrs For retirement plan I am investing in mutual funds as sip all growth direct as follows. SBI small cap 2000 Sbi mid large cap 2000 Sbi focus 2000 SBI contra 2000 Sbi technology opportunities 2000 Sbi nifty index 3000 Axis Blue chip 2000 Axis ELSS tax saver.2000 Axis Growth Ppportunities 2000 Nippon India mid cap 150 index 3000 Nippon India small cap 250 index 3000 Parag parikh flexi cap 4000 How are my investment. I am aggressive invester.

Ans: Your investment portfolio appears to be well-diversified across different categories, including small-cap, mid-large cap, index funds, ELSS, and flexi-cap funds. As an aggressive investor, this allocation aligns with your risk appetite.

However, it's essential to periodically review the performance of each fund and ensure they continue to align with your investment goals and risk tolerance. Consider rebalancing your portfolio if needed to maintain optimal diversification and adjust your strategy as per market conditions and your evolving financial objectives.

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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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