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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jun 09, 2021

Mutual Fund Expert... more
Shikher Question by Shikher on Jun 09, 2021Hindi
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Below are the details of my portfolio. I need your assessment if I am on track.

Name of funds:

Mirae Asset Large Cap fund - Monthly SIP INR 4000/- since Jan 2020. 

Current value INR 80896/-

Axis Bluechip fund - Monthly SIP INR 2000/- since Jan 2020. 

Current value INR 36547/-

Tata India Tax Savings fund - Monthly SIP INR 2000/- since July 2017. 

Current value INR 1.23 lakh/-

Kotak Flexi Cap fund - Monthly SIP INR 2000/- since Jan 2020. 

Current value INR 32652/-

Parag Parikh Flexi Cap fund - Monthly SIP INR 2000/- since Feb 2021. 

Current value INR 6292/-

Besides that, I invest in below as well:

Sukanya Samriddhi Yojana - INR 12500/- monthly since 2020.

NPS - INR 12500/- in Tier 1 since 2014 & INR 12500/- in Tier 2 since 2021

FD - INR 20 lakhs since Jan, 2019 @ 5.25% interest. 

Goals:

1- Daughter’s higher education:  

17 years away, Amount needed around 1 crore

2- Daughter’s marriage:

26 years away, Amount needed around 1.2 crore

3- Retirement:

31 years away, Amount needed around 8 crore

Ans: Funds are good, however with current Investments 1 and 2nd Goal can be achieved, however to achieve 3 additional Investment is required.

i.e. for 1 crs in 17 years , Investment required is Rs. 15,000 per month

for 1.2 crs in 26 years, additional Investment requirement is Rs. 4000 per month

For Retirement 8 crs in 31 years, additional Investment required is Rs. 16,000 per month

Therefore total monthly investment required to achieve all targets are Rs. 35000 per month

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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Ramalingam

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Namaste Dev, I was doing a SIP of 5K in 22 increased to 10k in 23. Now doing 20k Below is my portfolio. Started From Jan-24 Aditya Birla Sun Life Gold Fund - Gr 2500 Started From Sep-22 Baroda BNP Paribas India Consumption Fund - Gr 1500 Top Up from Jan-24 Baroda BNP Paribas India Consumption Fund - Gr 1500 Started From Oct-22 Kotak Business Cycle Fund - Gr 2000 Started From Sep-22 Nippon India Flexi Cap Fund - Gr 1500 Top Up from Jan-24 Nippon India Flexi Cap Fund - Gr 1500 Started From Aug-23 NJ ELSS Tax Saver Scheme - Gr 3000 Started From Jan-24 SBI Blue Chip Fund - Gr 2500 Started From Aug-19 Tata Equity P/E Fund Gr 2000 Top Up from Jan-24 Tata Equity P/E Fund Gr 2000 Please Can you review it. Thank you in Advance Rohith Adiga
Ans: Namaste Rohith,
It's great to see your disciplined approach to investing and the gradual increase in your SIP contributions. Let's review your portfolio to ensure it aligns with your financial goals and risk tolerance:
1. Aditya Birla Sun Life Gold Fund: Investing in gold can provide diversification and act as a hedge against market volatility. However, gold funds may not always generate significant returns compared to equity investments. Consider your allocation to gold based on your overall portfolio strategy and risk appetite.
2. Baroda BNP Paribas India Consumption Fund: This fund focuses on companies benefiting from India's consumption-driven growth story. Given the potential of the Indian consumer sector, this can be a valuable addition to your portfolio. Monitor the fund's performance and ensure it remains consistent with your investment objectives.
3. Kotak Business Cycle Fund: This fund aims to capitalize on economic cycles by investing in sectors poised for growth during different phases of the business cycle. It's essential to review the fund's sector allocation and performance regularly to assess its suitability in your portfolio.
4. Nippon India Flexi Cap Fund: Flexi-cap funds offer flexibility to invest across market capitalizations based on market conditions. This can provide diversification and potentially higher returns. Monitor the fund's performance and ensure it aligns with your investment objectives.
5. NJ ELSS Tax Saver Scheme: Investing in ELSS funds offers tax benefits along with the potential for wealth creation over the long term. Ensure that your investment in this fund complements your overall tax planning strategy and retirement goals.
6. SBI Blue Chip Fund: This fund invests in large-cap companies with a track record of stable earnings and growth. It can provide stability to your portfolio while offering potential returns. Regularly review the fund's performance and adjust your allocation if needed.
7. Tata Equity P/E Fund: This fund follows a unique investment approach by focusing on companies trading at attractive price-to-earnings ratios. While this strategy can be rewarding, it may also carry higher risks. Monitor the fund's performance and consider your risk tolerance before making further investments.
Overall, your portfolio appears well-diversified across different sectors and market capitalizations. However, continue to monitor each fund's performance and ensure they remain in line with your investment objectives and risk tolerance.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ramalingam Kalirajan  |7209 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2024

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[21/04, 10:11 pm] Prabu Ravichandran: Hi Experts, I am 40 years old. I am investing in mutual fund SIPs. My portfolio has following funds each 1000Rs SIP monthly. 1) Quant Infrastructure 2) Quant Mid cap 3) Quant Small cap 4) Quant Active 5) Quant Flexi cap 6) ICICI Pru Infrastructure 7) ICICI Pru Bluechip 8) ICICI Pru Bharat 22 FOF 9) Nippon India Large cap 10) Nippon India Growth 11) Nippon Small cap 12) Nippon India Multi cap 13) Nippon Power & Infra 14) Aditya Birla Sun Life PSU 15) SBI PSU 16) Invesco PSU 17) JM Large cap 18) JM Value fund 19) JM Flexi cap 20) Tata Small cap 21) HDFC Mid cap opportunities 22) Mahindra Manulife Mid cap 23) Mahindra Manulife Multi cap 24) Motilal Oswal Mid cap [21/04, 10:14 pm] Prabu Ravichandran: Am I good to continue on these funds? Do I need to add/remove any funds for a good portfolio. Please provide your thoughts.
Ans: Your portfolio appears to be heavily concentrated with multiple funds, possibly leading to overlap and excessive diversification. It's essential to streamline your investments to avoid redundancy and maintain a clear investment strategy. Consider consolidating similar funds or those with overlapping objectives. Assess the performance, risk, and alignment with your financial goals for each fund. Periodic review and adjustments are crucial to ensure your portfolio remains aligned with your objectives and risk tolerance. Consulting a financial advisor can help you optimize your portfolio and ensure a more focused investment approach.

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Dr Anshuman Manaswi  |6 Answers  |Ask -

Plastic-Aesthetic Surgeon, Emergency Care Consultant - Answered on Dec 05, 2024

Asked by Anonymous - Dec 05, 2024Hindi
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Dear Doctor, I work as a corporate lawyer in Delhi. I’ve been considering undergoing a cosmetic procedure for my skin for some time now, but I’m feeling a bit overwhelmed by the number of surgeons available. I want to ensure that I choose someone who is experienced, as this is a big decision for me. Could you advise what I should look for when selecting a plastic-aesthetic surgeon? Are there any specific red flags I should be aware of when researching potential surgeons? I want to make sure I’m in safe hands. I’m 40 years old.
Ans: This is a beautiful question.
Before I dwell on your question, there are a few points which are very important for the patient to know.
1. You should roughly know what result you wish to have.
2. Never think of a perfect result. There is no such result.
3. You must think in terms of improvement and if you are sble to achieve more than 90% approx, it can be considred good.
4. Dont compare your results with any celebrity's result. There body structure is different, they have probably taken better care till now and importantly, the result you see on a public platform is after make up and not the real result. Some times it may be a photoshopped image
5. Let your doctor know if you have any medical history and addictions.
6. Don't go with pre concieved notion (especially if you have researched a lot online). Discuss with the doctor, listen to his/ her views and raise your concerns if any
7. Try and see some results of the doctors work (Remember, too good a result may not be the true result). Realistic result is what you should want to look at and believe.
8. Don't fall for less budget! its obvious a meticulous job needs more surgical time. This means that the doctor may charge more. Seniority also adds to the cost.
What I mean, there is a price to be paid for a good job.(whether medical or anywhere).
Now coming to the Plastic surgeon's choice.
1. Research well, but dont fall prey to only advertisement. Small and big centers, both advertise,
2. Dont fall for glamour. You are going to a surgeon. A plastic surgeon's clinic is clean but not lavish generally. At least I believe that the person coming is not a client, but a patient. A patient - Doctor relationship is more pure than a client-Professional relationship.
3. Talk and discuss with the doctor. A too busy doctor may not always be the best doctor for you. Plastic surgery is about thinking, planning and execution. A doctor who thinks aloud about your problem ( especially if ut us face, nose, breast etc) is applying his/ her knowledge for your betterment, because every oerson is different.
4. Check the resilts? Look for genuinity.
5. Be wary of arrogant, loud and boisterous people. There is a difference between confidence and fambloyence.
6. Doctors who are attached to reputed hospitals are generally good in their work.
7. A doctor who can talk about probable complications is also a doctor worth trusting.
I hope I am able to do justice to this difficult question. All the best. You can write again if you need any other clarifications.
Dr. Anshuman Manaswi

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