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Vivek Shah | Answer |Ask -Follow

Financial Planner - Answered on Jun 19, 2023

Vivek Shah is a SEBI registered investment advisor and certified financial planner from FPSB India. He has over 18 years of experience in financial planning.
Shah founded Finrise, a financial planning and wealth management firm, in 2011. He believes that equity investment is the only way to generate long term wealth.
He has an MBA in finance, a degree in chartered accountancy and is a registered life planner from Kinder Institute of Life Planning, USA.... more

Question by Sat on Jun 11, 2023Hindi

Money

Axis bluechip 1k,Axis focus25 fund-1k,canara robecco flexicap fund-1k,Invesco India contra fund-1k,Kodak emerging equity fund-1k,kotak flexicap-2.5k,Mira's asset emerging bluechip fund-2.5k,SBI felxicap-2.5k,SBI small cap-2.5k

Ans: Kindly ask your question on what you are expecting me to solve your query

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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Regular funds: 1. Invesco India growth opportunities - 3k 2. Mirae asset large cap - 3k 3. Axis bluechip fund - 3k 4. DSP small cap - 3k 5. Sbi bluechip - 3k 6. DSP focus - 2k 7. DSP tax saver - 3k 8. HDFC index - 5k 9. Mirae asset emerging- 3k 10. ICICI prudential bluechip- 3k 11. Kotak flexicap - 2k

Ans: Continue with 2, 6, 8, and 9

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Question by Amit - Nov 03, 2022Hindi

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4) Mutual funds (SIP of total 50k monthly across below funds): 1. SBI focused equity: 5.6 lakh and monthly SIP of 9500 2. Axis bluechip: 8.6 lakh and monthly SIP of 9500 3. Axis midcap: 1.7 lakh and monthly SIP of 8500 4. Mirae asset largecap: 7 lakh and monthly SIP of 9500 5. Mirae asset emerging bluechip: 60k and monthly SIP of 3000 6. PGIM india flexicap: 3.5 lakh and monthly SIP of 10k 7. Canara robeco bluechip equity: 2.4 lakh, no SIP

Ans: This can grow up to Rs. 2 crs

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Asked by Anonymous - Apr 13, 2024Hindi

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Nippon small cap 2k Quant small cap 1k Tata small cap 1k Sbi small cap 2k Quant mid cap 3k Sbi magnam mid cap 2k Sbi contra fund 3k Parag Parikh flexi cap 2k 23 years sip plan h Koi change krna hoga in portfolio me

Ans: Let's analyze your current SIP portfolio and suggest potential improvements:

Current Portfolio Breakdown:

Small-Cap Focus: A significant portion (?8,000) is allocated to small-cap funds. While they offer higher growth potential, they also come with higher risk.

Multiple Mid-Cap Funds: Having two mid-cap funds (Quant Mid-cap and SBI Magnum Mid-cap) might have some overlap in holdings.

Actively Managed Funds: All your chosen funds are actively managed, which means experienced fund managers pick stocks. Actively managed funds come with higher fees compared to passively managed funds.

Potential Areas for Improvement:

Diversification: Consider adding a large-cap fund for stability and to balance your overall risk profile.

Reduce Overlap: Consolidate your mid-cap allocation by potentially choosing just one well-diversified mid-cap fund.

Review Actively Managed vs. Passively Managed: Research both actively managed and passively managed funds (like index funds) to understand their fee structures and risk-return profiles.

Here's a Suggestion (but consult a CFP for a personalized plan):

Large-Cap (20%): Invest in a diversified large-cap fund for stability.

Mid-Cap (20%): Choose one well-diversified mid-cap fund.

Small-Cap (30%): Reduce your small-cap allocation slightly to manage risk.

Flexi-Cap (30%): Consider a Flexi-cap fund that invests across market capitalizations, offering flexibility and diversification.

Remember:

Risk Tolerance: This is just a suggestion. Adjust the allocation based on your risk tolerance and investment goals.

Professional Guidance: A Certified Financial Planner (CFP) can analyze your risk profile, financial goals, and existing investments to create a personalized SIP plan.

By potentially diversifying and considering both actively managed and passively managed options, you can work towards a well-rounded portfolio!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Hi Experts, I seek your guidance on my mutual fund portfolio. Below are the details: Total Portfolio Details: - Total Invested Amount: ?15,76,159 - Current Value: ?19,35,234 - Total Returns: ?3,59,075 (+22.78%) - XIRR: 20.75% Monthly SIP Contribution: ?1,18,000 Breakdown of monthly SIP contributions across funds: 1. Parag Parikh Flexi Cap Fund Direct Growth – ?30,000 2. SBI Large & Midcap Fund Direct Plan Growth – ?15,000 3. SBI Magnum Mid Cap Fund Direct Plan Growth – ?20,000 4. Nippon India Large Cap Fund Direct Growth – ?30,000 5. Nippon India Small Cap Fund Direct Growth – ?7,500 6. ICICI Prudential Technology Direct Plan Growth – ?10,000 7. Quant Small Cap Fund Direct Plan Growth – ?7,500 8. HSBC Small Cap Fund Direct Growth – ?5,000 9. Edelweiss US Technology Equity Fund of Funds Direct Growth – ?5,000 Can you suggest if I am on track to create 5 CR corpus in 10 years I have ?25 lakh invested in a Fixed Deposit (FD) in my mother’s account, earning an interest rate of 7.75%, to generate tax-free returns. Additionally, I’m planning to purchase a plot worth ?30–50 lakh in the next 1–2 years. Is it a good idea to keep the money in FD for now, or are there better short-term investment options I should consider to maximize returns while keeping the funds accessible for my future purchase? Looking forward to your suggestions! Thank you!

Ans: Hello;

Your monthly sip value adds upto 1.3 L however you have claimed it to be 1.18 L. (Maybe a typo).

Existing corpus(19.35 L) and monthly sip (1.3 L) won't reach 5 Cr in 10 years.

You have two options to make it happen:

1. Increase monthly sip amount to 1.9 L.

2. Top-up current monthly SIP of 1.3 L by minimum 10% each year for 10 years.

Both ways will lead you to a corpus of 5 Cr over 10 years.

You may consider money market mutual funds for parking your funds for a 1 year horizon. Returns may be comparable to FD returns but with flexibility to withdraw anytime. They typically have low to moderate risk.

Happy Investing;
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I am 49 years old. I have EPF of 1.32 crores. I have retired from corporate life to build a start up. I left jon in August 2024. 1. Please let me know if i can withdraw entire EPF? 2. What is the tax i need to pay. Thank you.

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Hi sir i want to invest a lumpsum of 1.5L in mutual funds. Is there any mutual funds that you can recommend for long term investment

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You may invest in any of the top flexicap funds for long term;

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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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