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Ramalingam Kalirajan |2476 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 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 - Jan 27, 2024Hindi

Money

I am beginner investor, I want to invest Rs.4000 in different mutual fund through SIP.

Ans: Starting as a beginner investor with Rs.4000 for SIP is a great step towards financial growth. Here’s a suggested approach to diversify your investment:

Large Cap Funds: Allocate around 30% (Rs.1200) to large-cap funds. These funds invest in top-performing large companies known for their stability.
Mid Cap Funds: Allocate 20% (Rs.800) to mid-cap funds. These companies have potential for higher growth than large-caps but come with slightly higher risk.
Small Cap Funds: Allocate 20% (Rs.800) to small-cap funds. They have the highest growth potential among equity funds but are riskier.
Flexi Cap or Multi-Cap Funds: Allocate 20% (Rs.800) to flexi or multi-cap funds. They invest across market capitalizations, providing diversification.
Debt Funds: Allocate 10% (Rs.400) to debt funds for stability. These funds invest in fixed-income securities like bonds and offer stable returns.
Remember:

Diversify: Spread your investments across different categories to balance risk.
Review: Regularly review and adjust your portfolio based on performance and financial goals.
Consult: It’s always beneficial to consult with a financial advisor to tailor your investment strategy to your needs and risk tolerance.
Happy investing!

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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Sir I am a retired person have retirement money want to invest in mutual funds by way of SIPs. Please let me know how to approach to invest in good mutual funds.

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Hello Sir, I want to make investment of rs.25000 per month into Mutual Funds through SIPs for a period of 10 years to 15 years, request you to recommend your suggestions for the purpose.

Ans: Hello and thanks for writing to me. As your goal is long term & assuming that you are fine with taking risks, you can consider starting SIP's of Rs.5,000 each in:

1-Edelweiss NIFTY 100 Quality 30 Index Fund
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Question by Mayur - Dec 14, 2023Hindi

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Hello Sir, I want to make investment of rs.1500 per month into Mutual Funds through SIPs for a period of 10 years request you to recommend your suggestions for the purpose. , How to invest in mutual funds by online or some broker.

Ans: Hello Mayur & thanks for writing to me.

As your investment tenure is long term, you can consider starting SIP's in below equity funds:

1-Edelweiss NIFTY 100 Quality 30 Index Fund: Rs.500
2-DSP Quant Fund: Rs.500
3- UTI Flexi Cap Fund: Rs.500

You can invest in mutual funds thru a mutual fund distributor or several applications available online or on the mutual funds' website. Stepping up your SIP's every year by 10% or more will help you create a larger corpus.

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Hello sir, I want to invest in mutual funds sip for rs 2000 for 3 to 5 years. Please help me where to invest

Ans: Invest in Index equity mutual fund

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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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