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Samraat

Samraat Jadhav  |1810 Answers  |Ask -

Stock Market Expert - Answered on Jun 30, 2023

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Naresh Question by Naresh on Jun 30, 2023Hindi
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I want to create a portfolio with capital of Rs. 25 Lakhs, please suggest

Ans: Please visit a SEBI registered Investment Adviser and they would help you in this regards. You can find your local one through this link. https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13
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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I am 26 year with monthly savings of about 50k . I want to start investment in different portfolio . I would also need saving for my marriage after 2 years . Can u suggest me my portfolio .
Ans: As a Certified Financial Planner, I understand the significance of tailoring an investment portfolio that aligns with your financial goals and aspirations. With your monthly savings of 50k and a forthcoming marriage in mind, let’s delve into creating a diversified investment strategy that suits your needs.

Understanding Your Goals
Firstly, congratulations on your commitment to financial planning at such a young age. Your dedication to saving and investing is commendable and sets a strong foundation for your future financial security.

Short-Term Needs: Saving for Marriage
With your marriage on the horizon in just two years, it's essential to prioritize your short-term savings. Opting for low-risk investment avenues is prudent to ensure the funds are readily available when needed. Consider avenues like liquid funds or short-term debt funds, which offer stability and liquidity.

Long-Term Growth: Building Your Portfolio
Diversification is key to mitigating risks and maximizing returns over the long term. While real estate is often considered, it comes with its own set of challenges, including illiquidity and high upfront costs. Hence, we'll explore other avenues for wealth accumulation.

Equity Investments: Embracing Growth Opportunities
Equities, despite their volatility, offer unparalleled growth potential over the long term. Actively managed equity mutual funds, overseen by skilled fund managers, can capitalize on market opportunities and navigate risks effectively. Unlike index funds, actively managed funds have the flexibility to adapt to changing market conditions and outperform benchmarks.

Debt Instruments: Balancing Risk and Stability
Incorporating debt instruments in your portfolio provides stability and regular income. Opt for a mix of medium to long-term debt funds, which offer higher returns compared to traditional savings instruments like fixed deposits. Regular funds managed by Mutual Fund Distributors (MFDs) with CFP credentials ensure personalized guidance and assistance, enhancing your investment experience.

Gold Investments: Hedging Against Uncertainty
Gold serves as a hedge against economic uncertainty and inflation. Allocating a small portion of your portfolio to gold, either through gold mutual funds or sovereign gold bonds, adds diversification and stability.

Emergency Fund: Safeguarding Your Financial Well-being
Maintaining an emergency fund equivalent to at least six months of expenses is crucial to handle unforeseen financial emergencies without disrupting your investment portfolio. Keep this fund in easily accessible avenues like savings accounts or liquid funds.

Regular Review and Rebalancing
Periodically reviewing your portfolio and rebalancing it ensures it remains aligned with your financial goals and risk tolerance. Life events, market conditions, and personal circumstances may warrant adjustments to your investment strategy.

Conclusion
In crafting your investment portfolio, it's vital to strike a balance between growth, stability, and liquidity while keeping your short-term and long-term goals in mind. By diversifying across various asset classes and seeking professional guidance, you can embark on a journey towards financial success and security.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |3754 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 16, 2024Hindi
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I want to invest ?40,000 annually for a period of 20 years. Kindly suggest for a diversified portfolio which can help me to reach a corpus of 1.5 CR.
Ans: Building a Diversified Portfolio for Long-Term Wealth Creation
Understanding Your Financial Goals
Before we delve into constructing your investment portfolio, it's essential to understand your financial aspirations and risk appetite.

Analyzing Investment Horizon and Risk Tolerance
Given your investment horizon of 20 years and the desire to accumulate a corpus of ?1.5 crore, we can consider a moderately aggressive investment approach.

Constructing a Diversified Portfolio
A well-diversified portfolio helps mitigate risk and maximize returns over the long term. Here's a suggested allocation:

Equity Investments (70%)
Large Cap Funds: These funds invest in established companies with a track record of stable performance, providing a foundation of reliability to your portfolio.
Mid Cap Funds: With a higher growth potential, mid-cap funds offer the opportunity for substantial returns over the long term, albeit with higher volatility.
Small Cap Funds: Investing in smaller companies with significant growth potential, small-cap funds can contribute to enhancing your portfolio's overall returns.
Debt Investments (20%)
Corporate Bond Funds: These funds offer relatively higher returns than traditional fixed deposits while maintaining a degree of stability. They invest in bonds issued by corporations, providing a balance to the equity component.
Gold Investments (10%)
Gold ETFs or Gold Savings Funds: Gold acts as a hedge against inflation and market volatility, providing stability to your portfolio during economic uncertainties.
Benefits of Actively Managed Funds
Actively managed funds, as opposed to passive index funds, offer the advantage of professional fund management. Fund managers actively research and select stocks, striving to outperform the market and deliver superior returns to investors.

Risks of Direct Stock Investing
While direct stock investing may seem appealing, it requires a significant amount of time, knowledge, and effort to research and manage a well-diversified portfolio. Moreover, individual stocks carry higher volatility and risk compared to mutual funds.

Regular Funds vs. Direct Funds
Investing through a Certified Financial Planner (CFP) accredited Mutual Fund Distributor (MFD) offers several benefits, including personalized advice, portfolio monitoring, and access to a wide range of funds. Direct funds may offer slightly lower expense ratios but lack the personalized guidance provided by an MFD.

Conclusion
By following a disciplined investment approach and diversifying your portfolio across equities, debt, and gold, you can work towards achieving your financial goals. Remember to review your portfolio regularly, reassess your risk tolerance, and make adjustments as needed to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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I'm a girl from Jharkhand, I got 91.87%ile in jee mains, crl 1.22 lakh, category rank 40k. In which counselling program should I apply for and what colleges can I get at this rank? Is there any chance to get colleges through board %age as I got 95% in CBSE class XII
Ans: With your CBSE marks and Category Rank, you can try with any one of the top Private Colleges. And, try NIT Tier 2 Institutes. However, you have to compromise on the Stream or NIT Location you prefer. Whatever Institute / University / Branch / Domain you choose, keep upgrading your skills from 1st year itself till your Campus Placement during your last year, from LinkedIn, NPTEL, Coursera, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students, for jobs.

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Hi,My son got sandip University nashik cse (AIMl) is it good college to go for his studies or else need to try another colleges in Bangalore??
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Mutual Funds, Financial Planning Expert - Answered on Jun 17, 2024

Asked by Anonymous - Jun 17, 2024Hindi
Money
I want to invest in 10 L lumpsum for 3-5 years. What is the best strategy for getting good returns (at least 12-15 %)? I want to use this money further for my own business.
Ans: Understanding the Investment Landscape
Investing a lump sum of Rs 10 lakh with the goal of achieving good returns requires a thorough understanding of the investment landscape. Given your objective to use this money for your own business in 3-5 years, it's important to choose a strategy that balances potential returns with acceptable levels of risk.

The Importance of Time Horizon
Your investment time horizon significantly impacts the type of investment strategy you should adopt. While you are considering a 3-5 year period, achieving a 12-15% return may require a slightly longer horizon.

Investing for at least 7 years could better align with your return expectations and allow your investment to ride out market volatility.

Embracing Market Volatility
Investing in the market inherently involves dealing with volatility. Market fluctuations are natural and can impact short-term investment performance.

However, historically, equity markets have shown growth over longer periods, offering potential for substantial returns. Embracing this volatility is crucial to achieving your financial goals.

Benefits of Mutual Funds
Mutual funds offer a diversified investment option that can help mitigate risks while providing exposure to growth opportunities. Actively managed funds, in particular, are managed by professional fund managers who aim to outperform the market by making strategic investment decisions.

Advantages of Actively Managed Funds
Professional Management: Skilled fund managers actively monitor and adjust the portfolio, aiming for higher returns.

Diversification: Mutual funds invest in a variety of assets, reducing the risk associated with individual investments.

Liquidity: Mutual funds offer liquidity, allowing you to redeem your investment when needed.

Transparency: Regular updates and reports keep investors informed about their investments.

Disadvantages of Index Funds
Market Mimicry: Index funds aim to replicate the performance of a specific index, limiting their potential to outperform.

No Active Management: Lack of professional management can lead to missed opportunities in dynamic market conditions.

Limited Flexibility: Index funds follow a predetermined strategy, offering little flexibility in response to market changes.

Benefits of Investing Through Certified Financial Planners
Investing through a Certified Financial Planner (CFP) ensures that your investments are aligned with your financial goals.

CFPs offer personalised advice and can help navigate the complexities of the financial markets.

Advantages of Regular Funds
Expert Guidance: MFDs with CFP credentials provide valuable insights and strategic advice.

Tailored Solutions: Regular funds offer customised investment strategies based on individual goals and risk tolerance.

Support and Service: Professional support for investment decisions and portfolio management.

Holistic Planning: CFPs consider your overall financial situation, ensuring comprehensive financial planning.

Understanding Investment Risks
Every investment carries a certain level of risk. It's crucial to understand and accept these risks when aiming for higher returns.

Types of Risks
Market Risk: The risk of investments declining due to market fluctuations.

Interest Rate Risk: The risk of interest rate changes affecting investment values.

Inflation Risk: The risk of inflation eroding purchasing power over time.

Importance of Staying the Course
Investing with a long-term perspective requires patience and discipline. Market volatility can be unsettling, but staying the course is essential for achieving your investment goals.

Strategies for Staying the Course
Avoid Emotional Decisions: Base your investment decisions on facts and long-term goals, not short-term market movements.

Regular Reviews: Periodically review your investment portfolio to ensure it aligns with your goals and risk tolerance.

Rebalancing: Adjust your portfolio to maintain your desired asset allocation.

Reinvestment Strategies
If you hold LIC, ULIP, or investment-cum-insurance policies, consider evaluating their performance.

Surrendering underperforming policies and reinvesting in mutual funds can potentially yield better returns.

Benefits of Reinvestment
Higher Returns: Mutual funds typically offer higher returns compared to traditional insurance policies.

Flexibility: Reinvestment in mutual funds provides more flexibility and control over your investments.

Cost Efficiency: Mutual funds often have lower costs and fees compared to insurance policies.

Strategic Asset Allocation
Asset allocation is crucial for managing risk and achieving your desired returns. A well-balanced portfolio should include a mix of equity, debt, and other instruments.

Suggested Allocation
Equity Funds: Allocate a significant portion to equity funds for growth potential.

Debt Funds: Include debt funds for stability and regular income.

Hybrid Funds: Consider hybrid funds for a balanced approach to risk and return.

Regular Monitoring and Adjustments
Continuous monitoring and adjustments to your portfolio are necessary to ensure it remains aligned with your financial goals.

Benefits of Regular Monitoring
Performance Tracking: Monitor the performance of your investments regularly.

Timely Adjustments: Make necessary adjustments to optimise returns and manage risks.

Goal Alignment: Ensure your investments remain aligned with your evolving financial goals.

Final Insights
Investing a lump sum of Rs 10 lakh requires careful planning and a strategic approach.

Understanding the investment landscape, embracing market volatility, and opting for actively managed mutual funds are key steps towards achieving your financial goals.

Staying the course, regularly reviewing your portfolio, and seeking professional guidance from a Certified Financial Planner can enhance your investment experience and outcomes. By focusing on a balanced and diversified investment strategy, you can work towards achieving your desired returns while preparing for your business ventures.

Invest wisely, stay informed, and be patient to see your investments grow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

Nayagam P P  |388 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 17, 2024Hindi
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Career
Please include one more choice in the selection criteria 1. Vit Vellore CSE in 4th category 2. Pes ec campus CS 3. MIT BANGALORE CSE We are staying in Bangalore, which choice is better and please help with reasoning?
Ans: You have not mentioned in which-all Entrance Exams you appeared (COMEDK \ KCET etc.)? However, order of Preference (1) PES (Electronic City) (2) MIT-Bengaluru (here, however, please note, for some students this is not suitable due to its culture (non-academic / psychological factors). (3) VIT-Vellore (check the fee structure of all 4-years for affordability). If you have appeared in COMEDK & KCET also, find out 1-2 options even the colleges belong to Tier 2 category. Whatever Institute / University / Branch / Domain you choose, keep upgrading your skills from 1st year itself till your Campus Placement during your last year, from LinkedIn, NPTEL, Coursera, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students, for jobs.

All The BEST for your Bright Future.
To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

Nayagam PP |
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Ramalingam

Ramalingam Kalirajan  |3754 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
Money
I am 38 and currently investing in four funds through SIP of Rs 8000 each in these funds: Quant flexi cap fund, ICICI Prudential Midcap 250 fund, Parag Parikh Flexi cap fund and UTI Nifty 50 index. I want to invest for next six years through regular SIPs & additionally by some more units on dips. After 6 years I will stop SIPs and keep the accumulated funds with me for next 4 years as I fear I might lose my job by then. Are these funds alright considering my age, duration etc. or would you can suggest any additions/modifications? What much returns can I expect with this portfolio?
Ans: Understanding Your Current Portfolio

You are currently investing Rs 8,000 each in four funds through SIPs: Quant Flexi Cap Fund, ICICI Prudential Midcap 250 Fund, Parag Parikh Flexi Cap Fund, and UTI Nifty 50 Index. Your goal is to invest for the next six years, then hold the accumulated funds for another four years due to potential job loss concerns.

Compliments and Empathy

Your disciplined approach to SIPs and planning ahead for potential job loss shows great foresight and responsibility. You have chosen a diverse mix of funds, indicating a good understanding of investment principles. Let's evaluate and refine your strategy for optimal results.

Evaluating Your Current Funds

Quant Flexi Cap Fund: This fund offers flexibility by investing across market capitalizations. It provides diversification and growth potential. Flexi cap funds can adapt to market conditions, which is beneficial for long-term growth.

ICICI Prudential Midcap 250 Fund: Midcap funds invest in medium-sized companies with growth potential. They can offer higher returns than large-cap funds but come with higher risk. Given your investment horizon, this is a reasonable choice.

Parag Parikh Flexi Cap Fund: This fund also offers flexibility and is known for its value-oriented approach. It invests in both domestic and international equities, providing geographical diversification.

UTI Nifty 50 Index Fund: While index funds have low costs, they mirror the market's performance. They lack the potential to outperform the market, unlike actively managed funds. For a well-rounded portfolio, actively managed funds might be preferable.

Considerations for Portfolio Modifications

Diversification: Your portfolio is diversified across market caps and geographies, which is good. However, having two flexi cap funds might lead to overlapping investments. Consider replacing one with a different category.

Risk Management: Given the potential job loss concern, consider adding a balanced or hybrid fund. These funds invest in both equities and debt, providing growth with reduced volatility.

Long-Term Growth: Actively managed funds can outperform index funds over time due to professional management. Consider replacing the UTI Nifty 50 Index Fund with an actively managed large-cap or multi-cap fund.

Adding Stability with Hybrid Funds

Hybrid funds offer a mix of equity and debt, providing growth potential with lower risk. They are suitable for medium-term goals and can provide stability if market conditions turn unfavorable.

Regular SIPs and Lump Sum Investments

Continuing with regular SIPs is a sound strategy. Additionally, investing lump sums during market dips can enhance returns. Ensure you have a systematic approach to these lump sum investments to avoid market timing risks.

Expected Returns

Estimating returns involves various factors like market conditions, fund performance, and economic scenarios. Historically, equity mutual funds have delivered around 12-15% annual returns over the long term. However, this can vary, and it's important to have realistic expectations.

Planning for Post-Investment Period

After stopping SIPs in six years, holding the accumulated funds for another four years requires a different strategy. Consider these options:

Debt Funds: Shift a portion of your investments to debt funds for safety and stable returns. Debt funds are less volatile and can provide regular income.

Systematic Withdrawal Plan (SWP): If you need regular income, an SWP can provide periodic withdrawals from your mutual fund investments. It ensures liquidity without liquidating your entire portfolio.

Review and Rebalance: Regularly review your portfolio to ensure it aligns with your risk tolerance and financial goals. Rebalance if needed to maintain the desired asset allocation.

Ensuring Adequate Insurance Coverage

Given the potential job loss, ensure you have adequate life and health insurance coverage. This will protect your family and financial interests during unforeseen circumstances. Term insurance is a cost-effective option for life coverage.

Emergency Fund

Maintain an emergency fund equivalent to 6-12 months of your expenses. This fund will provide a cushion during job loss or other financial emergencies, allowing you to manage without liquidating your investments.

Tax Planning

Consider the tax implications of your investments. Equity mutual funds held for more than one year qualify for long-term capital gains tax at 10% beyond Rs 1 lakh. Efficient tax planning can enhance your net returns.

Maximizing Returns with Professional Guidance

While you have chosen good funds, professional guidance can help optimize your portfolio. A certified financial planner (CFP) can provide personalized advice based on your financial goals, risk tolerance, and investment horizon.

Regular Reviews and Adjustments

Financial markets and personal circumstances change over time. Regularly review your investment portfolio to ensure it remains aligned with your goals. Make adjustments as needed to stay on track.

Final Insights

Your proactive approach to investing and planning for potential job loss is commendable. By evaluating and refining your portfolio, you can achieve your financial goals with greater confidence. Diversifying investments, managing risk, and seeking professional guidance will enhance your financial stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

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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