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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Apr 05, 2022

Mutual Fund Expert... more
SHREYANS Question by SHREYANS on Apr 05, 2022Hindi
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Below are the SIPS I have been doing to build a corpus of 1 cr over 20 years kindly suggest the feasibility with the following funds:

Axis Bluechip Fund - Gr.  1200

Axis Midcap Fund - gr.   1500 

Canara robeco Bluechip equity fund -2000

Canara robeco emerging equities fund gr 3000

Hdfc index fun post addendum 3000

Invesco india mid cap fund gr 5000

Mirae asset emerging equities fund gr1500

Nippon india US equity opportunities fund gr 2000

Pgim india global equity opportunities fund gr 2000

Pgim india midcap opportunities fund gr 4500

Quant avtive fund gr 3000

Sbi small cap fund gr. 1500

All funds I have invested are growth funds. Kindly review and suggest any funds to stop or increase amount in other or add any other fund to portfolio. 

Ans: Funds are decent. Growth options are best options but there are too many funds in your portfolio. You can still continue with your investments.

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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Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?
Ans: Your investment choices cover a range of market segments, which is good for diversification. However, it's essential to periodically review your portfolio to ensure alignment with your financial goals and risk tolerance. Here are some considerations:

Diversification: Ensure you're not overexposed to any particular sector or theme. Assess if your portfolio is adequately diversified across large-cap, mid-cap, and international funds.
Performance: Evaluate the historical performance of each fund relative to its benchmark and peers. Consistently underperforming funds may warrant reconsideration.
Fund Manager Track Record: Assess the experience and track record of the fund managers managing your investments. A skilled and experienced fund manager can significantly impact fund performance.
Costs: Consider the expense ratio of each fund and any associated fees. Lower costs can enhance your overall returns over the long term.
Market Conditions: Keep abreast of market trends and economic indicators that may affect your investments. Be prepared to make adjustments to your portfolio as needed.
Consulting with a Certified Financial Planner can provide personalized guidance based on your individual circumstances and financial goals. They can help you assess your investment choices and make any necessary adjustments to optimize your portfolio for long-term growth.

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Ramalingam

Ramalingam Kalirajan  |6508 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?
Ans: It's evident you've put thought into your investment choices, and that's a commendable step towards securing your financial future. However, let's reflect on whether your portfolio aligns well with your long-term goals.

Consider the diversification of your portfolio across various mutual fund categories and market segments. Are you adequately spread across different sectors and asset classes to mitigate risks?

Additionally, assess the performance of each fund over time and their consistency in delivering returns. Are there any funds that haven't been meeting expectations, or could benefit from a review?

As a Certified Financial Planner, I encourage you to periodically review your portfolio and make adjustments as needed to ensure it remains aligned with your objectives and market conditions. Consulting with a financial advisor can provide valuable insights and help optimize your investment strategy for long-term growth. Remember, investing is a journey, and staying vigilant and adaptable will serve you well on your path to building a healthy corpus.

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Relationships Expert, Mind Coach - Answered on Oct 05, 2024

Asked by Anonymous - Oct 02, 2024Hindi
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Hi Madam. I am married from last one and half years now, there has been numerous fights in between small and big ones both. In between this time I have become a mother, and, my baby is 7 months old now. My husband does nothing, did nothing in past one and half years. He is only occupied with his work all the time, he goes to office everyday mostly. Right now my baby is 7 months old and from last 7 months me and my parents are taking care of the baby. And, he absolutely shows no understanding when it comes to looking after the baby. Am also a working person. Moreover I pay all the bills when it comes to getting household stuff, paying rent, all the expenses related to baby. He is so shameless that he just doesn’t care too, when I pick these topics or raise concerns about handling the baby he gets abusive. I am not sure what to do now! How insensible can a person get if no one sees my husband would never feel that person like him exist in this world. I feel like filing a divorce petition now. He was the one who wanted to have baby so soon. I was never ready. Now when I have the baby I am the only person along with my parents and sister looking after the baby.
Ans: Dear Anonymous,
Your husband wants a family without responsibilities and that's why neither is he interested in the baby nor in paying the bills...This is not just insensitivity but lack of emotional immaturity and the unwillingness to take on responsibilities head on...Approach a senior male member within the family who is someone that has been a role model to others in terms executing family responsibilities and is also caring and affectionate. This person can appeal to your husband and talk some sense into him.

If there's no one that fits the bill, the only option is to go to a professional for Couples Therapy. There's a reason why your husband avoids his duties as a husband and father and that needs to be uncovered and sorted out. It will also help the two of bond and connect better. Make this attempt before jumping into divorce; separating is a whole different world that comes with its own set of challenges and with the baby now in the picture, work at the marriage and putting things together.

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

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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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