Greetings of the day! With reference to your article below, 

Read this article https://www.rediff.com/getahead/report/omkeshwar-singh-help-me-build-a-mf-portfolio/20221103.htm 

Would you please advice on my mutual fund portfolio for any additions or changes or switches? 

Here are my goals: 

Car: 20 lakh down 5-6 years

Child one education: 50 lakh

Child two education: 50 lakh

Health reserves: 50 lakh

Retirement: 10 crore 

My monthly salary is 1.8 lakh. I pay pf 1.2 lakh per year, NPS tier1 70k per year, LIC policies: 1.3 lakh per year. 

Advice on portfolio please. 

DSP TAX SAVER FUND-GROWTH: 1500 sip

MIRAE ASSET EMERGING BLUECHIP FUND-REGULAR PLAN-GROWTH OPTION:2000 sip

HDFC HYBRID EQUITY FUND REGULAR PLAN GROWTH :2000 sip

TATA DIGITAL INDIA FUND REGULAR PLAN GROWTH:2500 sip

ICICI PRUDENTIAL COMMODITIES FUND GROWTH: 2500 sip

UTI MID CAP FUND-GROWTH PLAN:3000 Sip

EDELWEISS RECENTLY LISTED IPO FUND-REGULAR PLAN-GROWTH: 2500

UTI FLEXI CAP FUND-REGULAR PLAN-GROWTH:1500 sip

Ans: Hello;

Your monthly sip value adds upto 1.3 L however you have claimed it to be 1.18 L. (Maybe a typo).

Existing corpus(19.35 L) and monthly sip (1.3 L) won't reach 5 Cr in 10 years.

You have two options to make it happen:

1. Increase monthly sip amount to 1.9 L.

2. Top-up current monthly SIP of 1.3 L by minimum 10% each year for 10 years.

Both ways will lead you to a corpus of 5 Cr over 10 years.

You may consider money market mutual funds for parking your funds for a 1 year horizon. Returns may be comparable to FD returns but with flexibility to withdraw anytime. They typically have low to moderate risk.

Happy Investing;
X: @mars_invest

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Ans: Hello;

You may withdraw your EPF corpus claiming two consecutive months of unemployment after quitting the previous job(Aug-24).

Further if you have had 5 years, or more, of continuous service, across employer's but without any break, then your withdrawal will be tax free.

Else you may have a 10% TDS on withdrawal plus interest on contributions is also taxable as per slab rate.

Best wishes;

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Ans: Hello;

Surely you can do it.

Best wishes;

Ans: Hello;

You may invest in any of the top flexicap funds for long term;

1. JM flexi cap fund
2. PPFAS flexicap fund
3. HDFC flexicap fund

Not recommending Quant flexicap fund as of now, also in top quartile, since there is an ongoing sebi probe into alleged front running case.

These are top quartile flexicap funds on 10 yr return basis.

Happy Investing;
X: @mars_invest

Ans: In which discipline? Please clarify. Mention your background also. Your question is incomplete.

Ans: Anju, prior to addressing the question, I would like to draw your attention to a recent article in 'The Times of India' which indicates that a majority of law graduates tend to favor employment in corporate settings over practicing in courts. Now, coming to your question, please note, BITS Law School's BBA + LLB (Hons) program is a 5-year program that combines business administration with legal studies. The program focuses on areas such as corporate law, intellectual property, business laws, and dispute resolution. The program offers a strong multidisciplinary approach, preparing students for careers in corporate law, legal consultancy, and management. Its strengths include a business + legal acumen curriculum, industry-driven curriculum, and a reputation for excellence in education and placement opportunities. However, it lacks the legacy and alumni network of top-tier law schools and can be expensive. Career opportunities include corporate and business law, management roles, consulting, entrepreneurship, academia/research, international arbitration, cyber and technology law, corporate governance, and intellectual property rights. The program is worth considering if you aim for a corporate or business law career, are comfortable with the cost and value of the BITS brand, and have excellent industry connections and internships. Build your profile well by the time you complete your BBA+LLB & improve your all other skills required. All the BEST for Your Prosperous Future.

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