Hi currently at investing in below MFs, im 36 years old. Can you review the below funds. Goal is to accumulate 10cr corpus in 15years Axis Small Cap - 5000/- CR Small Cap - 5000/- Tata Small Cap - 5000/- Axis Long term equity fund - 5000/- Quant Tax Plan - 5000/- Parag Parikh Tax Fund - 15000/- PGIM Midcap Opportunity - 12500/- Parag Parikh Flexi Cap - 12500/- PGIM Flexi Cap Fund - 11000/- Tata Resource & Energy Fund - 5000/- Mirae Asset Global X Artificial ETF - 5000/-

Ans: I can understand the peculiar situation that you are going through. My advice is to get over all the negativity and adopt positivity as a way of work and life. As a young man don't shy away from hard work, private jobs offer great challenges and rewards. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look at acquiring project management skills and explore opportunities with optimism and passion.

Ans: it is easy natural for many of us to get disheartened but the success comes to those who keep trying optimistically at life as a glass half full. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look that gaining software skills used in Civil Engg field to add value to your current job. Look at acquiring project management skills and explore opportunities with optimism and passion.

Ans: I fully empathize with your situation. Do focus on the positive of having completed BTech in Civil Engineering. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Use your current Tech Asstt job to learn about Oceanography as an added skills. Look at acquiring project management skills and explore opportunities with optimism and passion.

Ans: Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look at acquiring project management skills and explore opportunities with optimism and passion.

Ans: Sugana, IT companies are happy to bring on their rolls qualified women. Am assuming your M Tech degree is in IT areas. Brush up your knowledge and pick up new skills so that you can add value to the company and achieve job satisfaction.

Ans: Of course Cybersecurity is gaining significant importance at individual, corporate, government all over the global. This presents opportunities for individuals like you. Put in your best effort, work hard with sincerity and success would come your way.

Ans: My suggestion is to be optimistic about future and keep looking for opportunities that will help you chart a new course in your career. Look for emerging areas where your knowledge gained in Masters of Earthquake Engineering can be used. Connect with large engineering and infrastructure companies and consulting firms and explore areas where you could add value.

Ans: The entire global economy is projected to grow on the solid bedrock of IT tools and platforms. And naturally data scientists and analysts will have a pivotal role.

Ans: Given your goal of investing a lump sum of Rs. 1 lakh annually for your children's future over the next 15 years, with a planned 10% increase in the investment amount each year, let's devise an investment strategy tailored to your objectives.
Considering the long investment horizon and the goal of wealth accumulation for your children, a diversified portfolio of mutual funds with a focus on growth potential and risk management would be appropriate. Here's a suggested allocation:
1. Equity Funds: Allocate a significant portion of your investment towards equity funds to capitalize on the potential for higher returns over the long term. Opt for a mix of large-cap, mid-cap, and multi-cap funds to diversify across market segments and mitigate risk. These funds offer exposure to quality stocks with strong growth prospects and can help in wealth creation over time.
2. Debt Funds: Incorporate debt funds into your portfolio to provide stability and reduce overall volatility. Debt funds invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments. They offer steady income streams and can act as a buffer during periods of market turbulence. Consider allocating a portion of your investment to debt funds to balance risk and optimize returns.
3. Balanced Funds: Balanced funds, also known as hybrid funds, combine equity and debt instruments in a single portfolio. These funds offer a balanced approach to investing, providing growth potential from equity exposure while offering downside protection through debt allocation. Including balanced funds in your portfolio can help in achieving stable returns while managing risk effectively.
4. Children's Funds: Some mutual funds are specifically designed for children's education or future needs. These funds typically have longer investment horizons and may offer unique features such as lock-in periods or dedicated investment strategies tailored to children's goals. Exploring children's funds can provide a focused approach to investing for your children's future needs.
Regularly review your investment portfolio and adjust your allocations as needed to stay aligned with your financial goals and risk tolerance. Additionally, consider seeking guidance from a Certified Financial Planner to customize your investment strategy based on your specific circumstances and objectives.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in