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Ramalingam

Ramalingam Kalirajan  |7510 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 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
Nitesh Question by Nitesh on Apr 01, 2023Hindi
Money

I am currently investing in following mutual funds from past 2 years but did not get desired return UTI FLEXICAP - GROWTH ICICI PRUDENTIAL BLUECHIP FUND - GROWTH AXIS MIDCAP FUND - GROWTH NIPPON INDIA SMALL CAP FUND - GROWTH PLAN - GROWTH OPTION what should i do , please suggest?

Ans: It's great that you have taken the initiative to invest in mutual funds. Understanding that you're not getting the desired returns, let's analyze your current investments and explore what steps you can take to improve your financial outcomes.

Reviewing Your Current Mutual Funds
Your current mutual fund investments include a flexicap fund, a bluechip fund, a midcap fund, and a small cap fund. Each of these funds serves different purposes in a portfolio.

UTI Flexicap Fund
Flexicap funds invest across large-cap, mid-cap, and small-cap stocks, offering flexibility and potential for growth. However, market conditions can affect performance.

ICICI Prudential Bluechip Fund
Bluechip funds invest in large, established companies. They offer stability but may have lower returns compared to mid and small-cap funds, especially in bullish markets.

Axis Midcap Fund
Midcap funds invest in mid-sized companies with potential for high growth. They are more volatile than large-cap funds but can deliver higher returns over time.

Nippon India Small Cap Fund
Small cap funds invest in smaller companies with significant growth potential. They are the most volatile but can provide substantial returns during market upswings.

Evaluating Performance
It's important to evaluate the performance of your funds against their benchmarks and peers. Underperformance can be due to market conditions, fund management, or economic factors.

Time Horizon and Market Volatility
Remember, mutual fund investments are subject to market risks. A two-year period is relatively short for equity investments. It’s essential to have a long-term perspective, especially for mid and small-cap funds.

Assessing Your Risk Tolerance
Reassess your risk tolerance. If market volatility makes you uncomfortable, you might need to rebalance your portfolio towards more stable investments.

Diversification Benefits
Your portfolio is diversified across different market caps, which is good. However, ensure that the funds you choose complement each other and don’t overlap significantly.

Considering Actively Managed Funds
Actively managed funds have professional fund managers who make investment decisions aiming to outperform the market. They can adapt to changing market conditions better than index funds.

Benefits of Regular Funds Over Direct Funds
Investing through a Certified Financial Planner in regular funds can offer expert guidance and ongoing portfolio management, ensuring your investments are aligned with your financial goals.

Reviewing Fund Managers and Their Strategies
Evaluate the fund managers' performance and their investment strategies. Consistent underperformance might indicate a need to switch to better-managed funds.

Aligning Investments with Financial Goals
Ensure your mutual fund investments align with your financial goals and time horizon. Different goals require different investment strategies.

Monitoring and Rebalancing
Regularly monitor your portfolio’s performance and rebalance it as needed. A Certified Financial Planner can assist in making timely adjustments based on market conditions.

Market Conditions and Economic Factors
Stay informed about market conditions and economic factors that can affect your investments. Understanding these can help manage expectations and investment strategies.

Exploring Alternatives Within Equity Funds
Consider exploring other equity fund categories if your current funds are underperforming. Sectoral funds, thematic funds, or multi-cap funds might offer better opportunities.

Leveraging Professional Guidance
Seek advice from a Certified Financial Planner to tailor your investments to your specific needs and risk profile. They can provide a comprehensive review and recommend adjustments.

Maintaining Financial Discipline
Continue your systematic investment plan (SIP) with financial discipline. Consistent investing through market cycles can yield substantial benefits over time.

The Power of Compounding
The power of compounding works best over the long term. Stay invested to allow your money to grow and benefit from the compounding effect.

Considering the Economic Outlook
Consider the economic outlook and its potential impact on your investments. Align your portfolio with sectors expected to perform well in the future.

Balancing Risk and Return
Balance the potential for high returns with the risk you are willing to take. Diversification across different types of funds can help manage this balance.

Evaluating Costs and Expense Ratios
Evaluate the costs associated with your funds, such as expense ratios. High costs can erode returns over time, so choose funds with reasonable fees.

Exploring Hybrid Funds
Hybrid funds, which invest in both equities and debt, can offer a balanced approach with moderate risk and steady returns. They might be suitable if you seek more stability.

Investing in Quality Companies
Ensure your equity funds invest in quality companies with strong fundamentals. This can provide more stable returns over time.

Conclusion
Investing in mutual funds requires patience and a long-term perspective. Review your current portfolio, assess your risk tolerance, and align your investments with your goals. Seek guidance from a Certified Financial Planner to optimize your investment strategy and achieve your desired returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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 HAVE BEEN INVESTING IN MUTUAL FUNDS FOR THE LAST SEVERAL YEARS BUT THE RETURNS HAVE NOT BEEN ENCOURAGING. I WOULD LIKE TO KNOW IF I AM INVESTING IN THE RIGHT FUNDS OR SHOULD I SHIFT TO OTHER MFs TO MAXIMISE MY RETURNS. GIVE BELOW IS MY CURRENT HOLDING OF MFs. Fund name Catgory Star Rating Ravindra Kumar     ·Aditya Birla Sun Life Pure Value Fund -Growth -Direct Plan Equity - Value Funds: 1 ·Aditya Birla Sun Life Pure Value Fund -Growth -Regular Plan Equity - Value Funds: 1 ·Canara Rebeco Emerging Equities - Regular Growth Equity - Large & Mid Cap Fund 4 ·Franklin India Smaller Companies Fund - Growth Equity - Small cap Fund 2 ·HDFC Equity Fund - Regular Plan - Growth  Equity - Multi Cap Funds: 2  ·HDFC Mid-Cap Opportunities Fund -Regular Plan Growth  Equity - Mid Cap Funds: 2  ·ICICI Prudendial Banking and Financial Services Fund - Growth Equity - Sectoral Fund - Banks & Financial Services 2 ·Mirae Asset Focused Fund - Direct Plan - Growth Equity - Multi Cap Funds: 2 ·Mirae Asset Large Cap Fund - Direct Plan - Growth Equity - Large Cap Funds: 4 ·NIPPON INDIA MULTI CAP FUND- DIRECT GROWTH PLAN GROWTH OPTION Equity - Multi Cap Funds: 2
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Equity - Mid Cap Funds:

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Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - May 06, 2024Hindi
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Hi could you please tell me in which mutual funds should i invest in and would give me good returns
Ans: Mutual fund selection depends on various factors such as your financial goals, risk tolerance, investment horizon, and asset allocation preferences. Here are some popular mutual fund categories you may consider for potentially good returns:

Large Cap Funds:
Large-cap funds invest in well-established companies with stable earnings and strong market presence.
These funds offer relatively lower risk compared to mid and small-cap funds and are suitable for investors with a conservative risk appetite.
Mid Cap and Small Cap Funds:
Mid and small-cap funds invest in companies with high growth potential but higher volatility.
These funds can generate higher returns over the long term but come with increased risk. They are suitable for investors with a higher risk tolerance and longer investment horizon.
Multi Cap or Flexi Cap Funds:
Multi-cap or flexi cap funds have the flexibility to invest across large, mid, and small-cap stocks based on market conditions.
These funds offer diversification benefits and can adapt to changing market dynamics, making them suitable for investors seeking balanced growth opportunities.
Sector Funds:
Sector funds focus on specific sectors or industries such as technology, healthcare, or banking.
These funds can provide opportunities for higher returns if the selected sector outperforms the broader market. However, they also carry higher sector-specific risks.
Index Funds and Exchange-Traded Funds (ETFs):
Index funds and ETFs replicate the performance of a specific market index such as the Nifty or Sensex.
These funds offer low expense ratios and are ideal for investors seeking passive investment options with diversified exposure to the equity market.
Debt Funds:
Debt funds invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments.
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Hi Mam, I met my ex wife in the college where we both were pursuing out studies. We exchanged contacts and started speaking over phone like couple does. When we fall in live we ourselves don't know as no one propose to each other. As i finished my studies, she quit studies in the middle and decided to do hotel management course. Amd it so happened, next day her interview was lined up but unfortunately due to unavoidable circumstances she has to go to her native place. As Covid struck she git stuck in her native place and couldn't come back. And when everything became normal i insisted her to come but her mom was not allowing. After a lot of struggle her mom allowed her and she came back. In this course of time both families was aware about our relationship. My mom was against her because of 2 reasons, 1) Intercaste 2) She was from very poor and low caste background. Them too i continued the relationship and i convinced to my sister and she convinced to mom. And when she was in native place, she said once that her voice has gone has gone she need 50k for operation. I trying madly to arrange funds and one of my friend told me that she is playing with you be careful but as i was blind in love i necer listened him. When she came to Mumbai i arranged a pg accommodation for her for some time and i use to take her out for dinner as there use to be regular fights with owner. Somehow i convinced my mom and shifted her to my place. There use to be fights but we use to care for each other also at the same time. She started to do events and slowly and steadily started to work in media. She was well aware that i dont like girls working media then too i have her permission to work in media temporary. I went against everyone, my family and friend and after 7yrs of relationship we decided to get marry and it was working fine. After marriage fight increased and she used to taunt though i did so much for her. Once she was not well and as she used to taunt me i never took care of her. One day my dear friend told me to check her phone, she might be seeing someone. And when i checked she was having an affair with Assistant director, i saw msgs photos. And when i confronted she said "He is just a friend and we talk normally" I saw they both on one bed and when i forward their pics to her mom she said "There might be some problem in you only." And when i asked to my ex wife about all this she said "A person goes where he or she gets love and care" All this happened within 6-8 months of our marriage. When i came to know about all this i tod her to leave my house and she was asking for divorce because of my mon's behavior also. I think i should have not tell her to leave as when she left i don't know but i love her very much. I even told her to give me one chance as i gave her but she didn't stopped talking with her bf. And she didn't gave me a chance and went away. We have been legally divorced but still i love her and ready to accept her. But she doesn't want to come back. I am trying to forget her but couldn't. Luckily we don't have kids. Sometimes my heart says let her go she cheated you. Sometimes it says i love now also. I am struggling to forgot her as i am in contact now also. Please suggest. Thank you
Ans: it's important to acknowledge and honor the love you felt and still feel. Love doesn’t simply disappear overnight, and it’s natural to have lingering emotions, especially when you’ve shared so much history and effort to keep the relationship going. However, it’s also crucial to recognize the harm and hurt caused by her actions and the unresolved issues that led to the breakdown of your marriage.

The fact that she chose not to return and continues to maintain contact with the person she was involved with suggests that she has moved on emotionally, even if you haven’t. Holding onto hope for reconciliation can keep you trapped in a cycle of pain and longing, which makes it harder to heal and move forward.

Your heart and mind are sending you mixed signals because you’re torn between the love you still feel and the reality of the betrayal. This is a common struggle after a significant loss, but it’s important to focus on what’s best for your emotional well-being. Continuing to be in contact with her may be preventing you from healing fully. It might be beneficial to create some distance, at least temporarily, to allow yourself the space to process your feelings and begin the healing process.

Focusing on yourself and your own growth is essential. Consider engaging in activities that bring you joy, spending time with supportive friends and family, and possibly seeking professional counseling to help you work through your emotions and develop strategies to move forward.

Letting go is difficult, especially when you still have love for someone, but it’s a crucial step towards healing. Accepting that the relationship has ended and focusing on your future can help you find peace and eventually open the door to new possibilities for love and happiness.
Asked on - Jan 15, 2025 | Answered on Jan 15, 2025
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Thank you very much for ur reply. But i am finding difficult to forget her.
Ans: It might be helpful to focus on the following steps to move forward:

Acceptance: Accept that the relationship has ended and that continuing to hold on to it may be preventing you from healing. Acceptance doesn’t mean you have to stop loving her immediately, but it does mean recognizing that the relationship is no longer viable.
Self-Care: Prioritize your emotional well-being by engaging in activities that bring you joy and fulfillment. Surround yourself with supportive friends and family who can help you through this process. Consider exploring new hobbies or interests that can redirect your focus and bring positive energy into your life.
Boundaries: It might be time to set boundaries with your ex-wife, especially if staying in contact is causing you more pain. Taking a step back from communication can provide the space you need to heal and gain clarity.
Professional Support: Consider speaking with a therapist or counselor who can help you process your feelings and guide you through the healing journey. Professional support can offer valuable tools and strategies to navigate the complex emotions you’re experiencing.
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Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 13, 2025Hindi
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My partner and I are from different cultural backgrounds. She has always felt a strong spiritual connection to events like the Kumbh Mela. Earlier this year, while booking the tickets she had asked if I would like to join her as she is travelling solo. While I respect her beliefs, I refused to join because I am not a religious person. Now that she has booked her tickets, I am worried about her safety. Should I tell her to cancel her trip? I don't want her to think that I am disrespecting her choices or religion. Or should I just tag along and make her feel safe? How do I address these concerns and have a healthy conversation?
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If you’re considering joining her, it could be a gesture of solidarity and support, even if you’re not personally invested in the spiritual aspect. However, it’s crucial to approach this as a way to share the experience together and ensure her safety, rather than as an obligation or with reluctance. If you decide to join her, communicate that you’re doing so because you want to be there for her, which could strengthen your relationship.

On the other hand, if you feel strongly about not attending due to personal beliefs, you can suggest other ways to support her. This might include discussing safety plans or staying in close communication while she’s there. This approach shows that you trust her decisions while still being there for her in a supportive way.

Ultimately, the conversation should aim to understand each other’s perspectives and find a solution that makes both of you feel comfortable and respected. Balancing your care for her safety with respect for her independence and beliefs is key to maintaining a healthy, supportive relationship.

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Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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Relationship
I am 42 Female currently, last marriage didn't go well, afraid of new start, I neither type of person who can go to club etc etc to "find someone" - What's the best way to move forward, Do we have genuine way of finding someone who can become reliable partner too (No tinder etc as again I knw myself now at this age, I can't) - Please guide
Ans: One of the best ways to meet someone compatible is through shared interests and environments where you feel at ease. Consider engaging in activities or communities that resonate with you. This could include joining local interest groups, volunteering, or taking classes in areas you’re passionate about. These settings not only provide opportunities to meet like-minded individuals but also allow connections to develop organically over shared experiences and values.

Another valuable approach is to lean on your existing network. Friends, family, and colleagues often know you well and can introduce you to others who might be a good match. These introductions can be more comfortable and trustworthy since they come from people who understand your personality and values.

It’s also important to give yourself time and space to heal and grow from past experiences. Building a reliable and meaningful relationship starts with being in a place where you feel confident and whole on your own. This self-awareness and emotional readiness will naturally attract the right kind of partner who values and respects you for who you are.

Remember, there’s no rush or specific timeline you need to adhere to. Allow relationships to develop at a pace that feels right for you, and focus on building connections that are based on mutual respect, understanding, and shared values. Trust that the right person will come into your life when the time is right, and until then, prioritize your own happiness and well-being.

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My age is 48 years and i have one son aged 17 years and i am single son of my parents ,one and half year back my wife expired and upon insisted by my parents and close relatives i got remarried and she has one girl aged 8 years, after passing of six months she has started showing her true colors and it has become very difficult for me to continue and i want to get rid of this . Please guide me what should i do now.
Ans: Dear Dinesh,
it’s important to reflect on what is making the relationship difficult. Understanding the specific issues—whether they stem from differences in values, communication problems, or other conflicts—can provide clarity on how to move forward.

If you haven't already, consider having an open and honest conversation with your wife about your concerns. Sometimes, addressing issues directly can lead to resolutions or at least a better understanding of each other's perspectives. Counseling, either individually or as a couple, can also be a valuable tool in navigating these challenges and deciding the best course of action.

However, if you’ve already tried addressing these issues and find that the relationship is still untenable, it may be time to consider ending the marriage. It’s important to prioritize your emotional and mental well-being, as well as that of your son and stepdaughter. Divorce is never an easy decision, especially when children are involved, but staying in an unhappy and unhealthy relationship can have long-term negative impacts on everyone.

As you contemplate your next steps, it’s also important to lean on your support system. Friends, family, or a counselor can provide guidance and help you navigate this difficult period. Remember, prioritizing your well-being is not only crucial for you but also for your children, as they look to you for stability and emotional guidance. Making decisions that lead to a healthier and happier environment for everyone involved is ultimately the most important goal.

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Kanchan Rai  |493 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Oct 08, 2024
Relationship
Hello mam.I know a girl since college days.She is married to a guy since last 15 years.Since last 3 years we had an affair.I did take her for granted after our 2 nd half 3 years of relationship.Since a year now she has been giving me some or the other reason such as she is not getting feeling for me,husband is taking much care now so cant handle our relationship,then she told she has some health issue and now recently she tells me she has been telling me indirectly since a year to move on as she was in a relationship with some guy whom she got attracted in a mutual connection.But now she has discontinued with him as well. We do chat on message and call sometime but now since a year she herself has stopped calling or messaging.She replies only when i message or call. I want her back in my life and improve my relationship with her.Please guide me to get her back and have a relationship with her as we had till last year.What steps should I take to win her heart back and make her mine?
Ans: The first step is to acknowledge and respect her current feelings and boundaries. It’s clear she’s navigating her own emotional journey and trying to find clarity in her life. Pressuring her or trying to win her back without considering her current stance may push her further away.

Instead, focus on open and honest communication. If you genuinely care for her, it’s important to express your feelings without being demanding. Share how you feel, but also be willing to listen to her perspective fully. Understand that love and relationships are mutual, and both parties need to feel connected and invested.

During this time, it’s also essential to reflect on your own needs and emotional well-being. Ask yourself if this relationship, as it currently stands, is fulfilling and healthy for you. Relationships can be complicated, and sometimes stepping back to allow both people space to understand their feelings can lead to a clearer path forward, whether that’s together or apart.

Ultimately, your focus should be on building healthy, honest connections and prioritizing emotional well-being for both yourself and the people involved. If there’s a possibility of rekindling the relationship, it will come from mutual understanding, respect, and willingness from both sides.

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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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