Hi Dev, Good day. I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. 1 Quant Small Cap Fund Direct Plan Growth 3000 2 Nippon India Small Cap Fund Direct Growth 2500 3 HDFC Small Cap Fund Direct Growth 2500 4 Canara Robeco Small Cap Fund Direct Growth 3000 5 Quant Mid Cap Fund Direct Growth 3000 6 Motilal Oswal Midcap Fund Direct Growth 2000 7 HDFC Mid Cap Opportunities Direct Plan Growth 3000 8 Quant Infrastructure Fund Direct 3000 9 Quant Flexi Cap Fund Direct Growth 3000 10 Parag Parikh Flexi Cap Fund Direct Growth 6000 11 HDFC Flexi Cap Direct Plan Growth 5000 12 ICICI Prudential Technology Direct Plan Growth 3000 13 HDFC Retirement Savings Fund Equity Plan Direct Growth 5000 14 HDFC Balanced Advantage Fund Direct Plan Growth 2500 15 UTI Nifty200 Momentum 30 Index Fund Direct Growth 2500 16 Bandhan Nifty 50 Index Fund Direct Plan Growth 3000 17 Nippon India Growth Fund Direct Growth 5000 Thank You!

Ans: if the vision is for 10yrs plus then only invest in stocks that also bluechips

Ans: You are financially Independent. So how can he give you a good life? Your good life depends on you, not that guy. Go where your heart feels better.

Ans: Hello,

To begin with, thank you for contacting us. I am glad to hear that your daughter has completed her MBBS internship in Karnataka, India and now wishes to pursue her postgraduate (PG) studies abroad. Based on her choices, professional objectives, as well as the programs that are offered in her chosen field of expertise, I would like to tell you that she can apply to countries viz., the USA, Canada, the UK, Ireland, Germany, Australia, and Singapore for the same. Besides the ones mentioned above, there are a number of other nations that provide outstanding programs for postgraduate medical education. I would recommend that your daughter takes into account these steps:

Firstly, she should conduct a comprehensive study on countries and universities offering postgraduate medical programs, taking into account variables viz., the reputation, course offerings, experience of the faculty members, clinical placements, as well as the specializations that are available. Next, she should look into the entry prerequisites for overseas students applying to PG medical programs in the country she has chosen. Remember that prerequisites may differ, including academic credentials, language competency (viz., scores of the TOEFL or IELTS tests), and perhaps even medical licensing exams like the PLAB or USMLE. Next, as part of the application procedure, your daughter will need to submit her academic marksheets, a statement of purpose (SOP), endorsement letters, and at times, scores of standardized tests. Make sure she adheres to all the prerequisites and deadlines for every program that she applies to. I would suggest that your daughter takes into account the cost of studying overseas, including costs of living, healthcare, tuition, as well as any prospective scholarships or possibilities for monetary assistance. She should look into scholarships available to overseas students. In addition, help her locate appropriate housing, be it private rentals, university accommodation, or homestays whilst taking into account variables viz., safety, closeness to the university, and the cost. Not just that, also make sure that your daughter possesses adequate medical insurance coverage that satisfies the university and host country's criteria. I would recommend that your daughter gets in touch with alumni, former and current international students, faculty members, as well as experts in her academic field. Remember that developing a robust network can offer advice, invaluable assistance, as well as chances to collaborate. I would suggest that your daughter learns about the visa prerequisites and immigration procedures for the nation she has chosen. Ensure that she applies for the right visa on schedule and completes all the required paperwork. I would recommend that you assist your daughter in preparing for her study abroad experience, including adjusting to a new culture, adapting to a new academic setting, as well as overcoming any possible homesickness. Lastly, keep abreast on any updates or advancements pertaining to travel abroad, immigration laws, and healthcare rules. I would like to tell you that by adhering to these steps and examining her possibilities, your daughter can successfully pursue her postgraduate medical education abroad.

For more information, you can visit our website.

Ans: Yes. You have a desire to experience something but it's not fulfilled. So you feel that void.

There are questions to answer -
- Are you a virgin?
- do you have laid sex?
- Are you looking for companionship or just sex or both?
- why do you want to get married?

The answer these questions is already stated

Ans: Leave. Move on. Better to be alone than to be with negative energy

Ans: Yuvaraj, good on you for taking charge of your future! Six SIPs, that's a well-diversified basket, like a wise investor carrying a basket of exotic fruits – a good mix for long-term growth!

It's fantastic that you have a clear goal – accumulating 75 lakhs in 10 years. While predicting the market perfectly is like trying to hold on to a monsoon cloud, your chosen SIPs seem like a good starting point.

Here's the thing: To reach your mountain peak, you might need a map and a guide. A certified financial planner can be your financial Sherpa! They'll analyze your SIPs (a mix of mid, large, small-cap, and ELSS – that's comprehensive!), your risk tolerance, and suggest any adjustments needed to reach your summit.

Remember, a 10-year horizon gives your investments time to weather ups and downs. Stay focused, keep those SIPs flowing, and with careful planning, you might just reach your 75 lakh target and celebrate with a taste of those exotic fruits from your investment basket!

Ans: You're doing fantastic! Building a nest egg for your young ones is like planting those saplings – you nurture them now, and they'll provide shade and comfort for years to come.

Looking at your SIPs, it seems you've got a good mix – a diversified forest, if you will. The small-cap fund adds some growth potential, while the flexi-cap and international funds offer broader exposure. But with a 5-year horizon, some tweaks might be helpful.

Here's the thing: a 5-year timeframe is like navigating a fast-flowing river. While some risk is good for growth, you also want stability. Consider talking to a certified financial planner – like your own personal Sherpa! – They can assess your portfolio and recommend adjustments.

For instance, they might suggest increasing your investment in large-cap funds or a balanced fund to provide more stability for your near-term goals. Remember, a well-rounded portfolio is key, just like having a strong support system in life!

Ans: Ah, mutual funds! A great way to navigate the market, but like any good adventure, there's always a bit of risk involved. So, how do we gauge this risk? Well, imagine you're setting sail on a ship – wouldn't you want to know if it's built for calm seas or choppy waters?

Here's your captain's checklist for mutual fund risk:

The Portfolio's Compass: What kind of stocks or bonds does the fund invest in? Large, established companies are generally smoother sailing than smaller, high-growth ones.
The Market's Current: Different sectors can be more volatile than others. A fund heavily invested in technology might experience bumpier rides than one focused on consumer staples.
The Historical Charts: How has the fund performed in the past? Just because it's been smooth sailing recently doesn't guarantee calm seas ahead. Past performance isn't always a perfect indicator, but it can be a helpful clue.
These are just a few indicators, and remember, a good map (your investment plan) and a trusty advisor (a Certified Financial Planner) are crucial for a successful voyage!

Ans: Congratulations on receiving the 10 lakhs! That's a great opportunity to boost your investments for the next 20 years. Here's a breakdown of the two approaches for your lump sum:

Bulk Invest:

Pros: Takes advantage of rupee-cost averaging. The market fluctuates, so by investing everything at once, you capture some units at potentially lower prices. It's also simpler to manage, requiring just one investment decision.
Cons: If the market takes a dip right after you invest, your entire sum goes in at a potentially higher price.
SIP over 6 Months:

Pros: Provides a form of averaging as you invest across different market conditions. Offers some peace of mind if you're concerned about market volatility.
Cons: Misses out on the potential benefit of rupee-cost averaging if the market trends upwards. Requires more discipline to consistently invest each month.
Choosing the Right Approach:

There's no one-size-fits-all answer. It depends on your risk tolerance:

Comfortable with some risk? A bulk investment might be suitable.
Prefer to spread the risk? Consider SIPs over 6 months.
Here's a suggestion: Talk to a certified financial planner. They can analyze your existing portfolio (diversified across equity, debt, and gold - that's good!) and risk profile to recommend the best way to deploy your lump sum. They can even suggest a hybrid approach, investing a portion upfront and the rest via SIPs.

Remember, you've got a long investment horizon of 20 years. Stay focused and make well-informed decisions to grow your wealth!