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Milind

Milind Vadjikar  |1031 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 26, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Pramod Question by Pramod on Nov 25, 2024Hindi
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Hi Experts, I seek your guidance on my mutual fund portfolio. Below are the details: Total Portfolio Details: - Total Invested Amount: ?15,76,159 - Current Value: ?19,35,234 - Total Returns: ?3,59,075 (+22.78%) - XIRR: 20.75% Monthly SIP Contribution: ?1,18,000 Breakdown of monthly SIP contributions across funds: 1. Parag Parikh Flexi Cap Fund Direct Growth – ?30,000 2. SBI Large & Midcap Fund Direct Plan Growth – ?15,000 3. SBI Magnum Mid Cap Fund Direct Plan Growth – ?20,000 4. Nippon India Large Cap Fund Direct Growth – ?30,000 5. Nippon India Small Cap Fund Direct Growth – ?7,500 6. ICICI Prudential Technology Direct Plan Growth – ?10,000 7. Quant Small Cap Fund Direct Plan Growth – ?7,500 8. HSBC Small Cap Fund Direct Growth – ?5,000 9. Edelweiss US Technology Equity Fund of Funds Direct Growth – ?5,000 Can you suggest if I am on track to create 5 CR corpus in 10 years I have ?25 lakh invested in a Fixed Deposit (FD) in my mother’s account, earning an interest rate of 7.75%, to generate tax-free returns. Additionally, I’m planning to purchase a plot worth ?30–50 lakh in the next 1–2 years. Is it a good idea to keep the money in FD for now, or are there better short-term investment options I should consider to maximize returns while keeping the funds accessible for my future purchase? Looking forward to your suggestions! Thank you!

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
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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Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Hello Sir, please review & advise on my mutual fund portfolio. SIP of 5000 each in UTI Nifty 50 index fund, Parag Parikh flexicap, Quant flexi cap & 3000 each in ICICI Midcap 150 index fund & Kotak large 7 midcap fund. All Started since 4 months, current age 42 & can do SIP for 2-3 years & plan to keep the accumulated amount as it is for next 5 years. I have some investments in equity shares(25%), SGB(25%) & FD's(50%) as well. Expecting to retire in next 6-7 years. Thanks
Ans: Your mutual fund portfolio appears to be well-diversified across different categories, offering exposure to large-cap, flexi-cap, and mid-cap segments. Let's delve into some insights and recommendations:
1. UTI Nifty 50 Index Fund: Investing in an index fund tracking the Nifty 50 provides broad exposure to India's top 50 companies. It's a reliable choice for long-term wealth accumulation, especially considering its low expense ratio and consistent performance.
2. Parag Parikh Flexi Cap Fund: This fund follows a flexible investment approach, allowing it to invest across market capitalizations. Its global diversification and focus on quality stocks make it suitable for investors seeking a balanced approach to wealth creation.
3. Quant Flexi Cap Fund: Flexi-cap funds offer the flexibility to invest across market segments based on market conditions. However, Quant Flexi Cap Fund's performance may vary due to its quantitative investment approach. Keep an eye on its performance relative to peers.
4. ICICI Midcap 150 Index Fund: Mid-cap funds have the potential for higher returns but come with increased volatility. Investing in a mid-cap index fund like ICICI Midcap 150 can provide exposure to mid-sized companies while mitigating individual stock risk.
5. Kotak Large & Midcap Fund: This fund combines investments in both large and mid-cap stocks, offering diversification across market segments. It's crucial to monitor the fund's performance and ensure it aligns with your investment objectives.
Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.
Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.
Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.
Considering your investment horizon of 2-3 years for SIP and a plan to hold the accumulated amount for the next 5 years, it's essential to review your portfolio periodically. Keep an eye on fund performance, market conditions, and your financial goals to make necessary adjustments.
Given your diversified investment portfolio with equity shares, Sovereign Gold Bonds (SGBs), and Fixed Deposits (FDs), ensure a balanced allocation aligned with your risk tolerance and retirement goals. As you approach retirement in 6-7 years, consider gradually shifting towards more conservative investment options to safeguard capital.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial situation and retirement aspirations.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Hello Madam, please review & advise on my mutual fund portfolio. SIP of 5000 each in UTI Nifty 50 index fund, Parag Parikh flexicap, Quant flexi cap & 3000 each in ICICI Midcap 150 index fund & Kotak large 7 midcap fund. All Started since 4 months, current age 42 & can do SIP for 2-3 years & plan to keep the accumulated amount as it is for next 5 years. I have some investments in equity shares(25%), SGB(25%) & FD's(50%) as well. Expecting to retire in next 6-7 years. Thanks
Ans: It's great to see you diversifying your investments through mutual funds. Let's review your portfolio and provide some guidance.

Starting with your SIPs, investing 5000 each in UTI Nifty 50 index fund, Parag Parikh flexicap, and Quant flexi cap offers a balanced approach across different market segments. These funds provide exposure to large-cap, flexi-cap, and multi-cap segments, respectively, allowing for diversification and potential growth opportunities.

Adding 3000 each in ICICI Midcap 150 index fund and Kotak large & midcap fund introduces exposure to mid-cap stocks, which have the potential for higher growth but also come with increased risk. Given your investment horizon of 2-3 years for SIPs and plans to keep the accumulated amount for the next 5 years, it's essential to monitor these funds closely, considering the market conditions and fund performance.

It's commendable that you have investments in equity shares, Sovereign Gold Bonds (SGBs), and fixed deposits (FDs) as well. This diversification helps spread risk and aligns with your retirement goals.

Considering your current age of 42 and the plan to retire in the next 6-7 years, it's crucial to regularly review and rebalance your portfolio to ensure it remains aligned with your financial objectives and risk tolerance.

As you approach retirement, consider gradually shifting your portfolio towards more conservative investments to protect your capital and generate stable income streams.

Overall, your mutual fund portfolio seems well-diversified, considering your investment horizon and retirement goals. However, it's advisable to periodically reassess your portfolio and make adjustments as needed based on changing market conditions and personal circumstances.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 26, 2024

Money
Hi Experts, I seek your guidance on my mutual fund portfolio. Below are the details: Total Portfolio Details: - Total Invested Amount: ?15,76,159 - Current Value: ?19,35,234 - Total Returns: ?3,59,075 (+22.78%) - XIRR: 20.75% Monthly SIP Contribution: ?1,18,000 Breakdown of monthly SIP contributions across funds: 1. Parag Parikh Flexi Cap Fund Direct Growth – ?30,000 2. SBI Large & Midcap Fund Direct Plan Growth – ?15,000 3. SBI Magnum Mid Cap Fund Direct Plan Growth – ?20,000 4. Nippon India Large Cap Fund Direct Growth – ?30,000 5. Nippon India Small Cap Fund Direct Growth – ?7,500 6. ICICI Prudential Technology Direct Plan Growth – ?10,000 7. Quant Small Cap Fund Direct Plan Growth – ?7,500 8. HSBC Small Cap Fund Direct Growth – ?5,000 9. Edelweiss US Technology Equity Fund of Funds Direct Growth – ?5,000 Can you suggest if I am on track to create 5 CR corpus in 10 years Thank you!
Ans: Your portfolio and SIP contributions demonstrate disciplined financial planning. Let’s review your current status and provide actionable recommendations to stay on track.

1. Review of Your Current Portfolio Performance
Total invested amount: Rs 15,76,159.
Current portfolio value: Rs 19,35,234.
Total returns: Rs 3,59,075 (+22.78%).
XIRR of 20.75% reflects impressive performance so far.
Your portfolio is generating excellent returns. It aligns with long-term wealth creation goals.

2. Assessing Your Goal to Achieve Rs 5 Crore
You have a 10-year horizon to create Rs 5 crore.
A disciplined Rs 1,18,000 SIP contribution is a solid start.
Assuming consistent performance, you are on track to achieve your goal.
However, fund selection, market performance, and taxation can affect final corpus.

3. Diversification and Allocation Insights
Your portfolio includes diverse categories, such as large caps, mid caps, small caps, technology funds, and international exposure.

Strengths in Your Portfolio
Good mix of growth-oriented funds like flexi cap and small-cap categories.
Exposure to international markets provides diversification benefits.
High SIP allocation ensures consistent investment.
Areas of Concern
High allocation to small-cap funds may increase portfolio volatility.
Technology funds carry sector-specific risks, especially during downturns.
Overlap between funds can lead to redundancy and reduced efficiency.
4. Disadvantages of Direct Funds
Why Relying Solely on Direct Funds May Not Be Ideal
Direct funds require active tracking and market knowledge.
Lack of expert guidance may lead to suboptimal fund choices.
Regular funds through a Certified Financial Planner provide tailored advice.
Switching to regular plans ensures professional monitoring and better goal alignment.

5. Impact of Taxation on Your Portfolio
Equity Funds
Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Debt-Oriented Funds
Gains are taxed as per your income slab.
Tax implications reduce the effective corpus if not planned wisely.

6. Recommendations to Strengthen Your Portfolio
Reduce Concentration in Small-Cap Funds
Small caps are high-risk and better suited for moderate allocation.
Shift a portion to balanced or large-cap funds for stability.
Limit Sector-Specific Exposure
Technology funds are subject to cyclical risks.
Rebalance to include broader thematic or diversified funds.
Consolidate Overlapping Funds
Too many funds increase complexity and overlap.
Streamline by reducing redundant schemes.
Focus on Active Fund Management
Actively managed funds tend to outperform in dynamic markets.
Certified Financial Planners can help optimise fund selection.
7. Strategy to Achieve Rs 5 Crore
Step 1: Increase SIP Gradually
Increase SIP contribution by 5–10% annually.
Align increases with salary hikes or bonuses.
Step 2: Stick to Asset Allocation
Maintain a balance between equity and debt based on risk tolerance.
Review allocation every 12–18 months.
Step 3: Reinvest for Compounding
Reinvest gains to maximise compounding benefits.
Avoid frequent withdrawals unless necessary.
Step 4: Regular Portfolio Review
Assess performance semi-annually or annually.
Adjust based on market conditions and goal progress.
8. Emergency Fund and Insurance Coverage
Maintain 6–12 months’ expenses as an emergency fund.
Ensure adequate health and life insurance coverage.
Avoid using mutual fund corpus for emergencies.
9. Long-Term Focus for Financial Independence
Stick to your SIP plan despite market fluctuations.
Focus on disciplined investing and goal alignment.
Seek professional advice to handle market uncertainties.
Final Insights
Your portfolio is well-structured and performing well. However, some adjustments can optimise returns and reduce risks. Focus on diversification, reduce overlapping funds, and seek guidance from a Certified Financial Planner. With discipline and regular reviews, you are well on track to achieve Rs 5 crore in 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Hi ... I am a 48 year old male and need some specific financial advice on my finances. Here is a detailed breakup of my income, assets and liabilities Income from Salary : 4.6L per month after taxes Assets & Investments : Apartment - 4 crore at current value Savings & Equity - 35L SIP - 40L corpus (75K per month being invested) EPF & VPF - 60L (I contribute around 15K every month to VPF) Liabilities : Home Loan : 1.1 Crore (Tenure remaining 9 yrs) Other Loans : 45L (Tenure remaining 5 yrs) Monthly household Exp : 2.2L Insurance : Health Insurance Coverage : 25L (Company provides 5L and I have upgraded to 25L) Life Insurance : 1cr for wife & 6cr for self Future Milestones : Retirement Son's Education & Marriage (Currently 17 yrs old) I don't think I have enough savings and assets to head to a comfortable retirement and this gives me sleepless nights. Can you please help by providing a detailed plan of where I should invest more and by how much? Please note that I don't have much room to save more given my expenses. Thank you.
Ans: You're in a solid financial position but carrying a heavy loan burden, which is affecting your retirement confidence. Here’s how you can optimize your finances:

Debt Management
Prioritize clearing your Rs 45L loan in the next 3-5 years.
Try prepaying Rs 5-10L annually from bonuses, RSUs, or other windfalls.
Keep your home loan for tax benefits, but consider refinancing if a lower rate is available.
Investment Strategy
Your SIPs are strong; continue the Rs 75K/month allocation.
Increase your equity exposure post-loan repayment for better growth.
Review your portfolio to balance large caps, mid-small caps, and debt.
Retirement Planning
At 48, you should aim for Rs 12-15 crore by 60.
Your current investments will compound, but increasing contributions post-loan repayment is key.
Consider a mix of mutual funds, PPF, and NPS for tax efficiency.
Son’s Education & Marriage
With 1-2 years left, ensure Rs 40-50L liquidity for college fees.
If not done yet, set aside a lump sum in debt mutual funds or a fixed deposit.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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Dear Sir, I took a loan of Rs. 44 lakhs @ 8.70% floating with 216 EMIs in August 2019 from HDFC Housing. Till recent, i'm not aware that the rate of interest being applied is 10.5% and still it is shown as 213 EMIs balance to be remitted as on 18.02.2025, despite no pending or late payments at my end. Please advise what to be done sir!
Ans: Your situation is a classic case of interest rate hikes affecting floating-rate home loans. Since you took the loan in August 2019 at 8.70%, and now the rate has increased to 10.5%, your EMI is going more towards interest rather than the principal. That's why your loan tenure has barely reduced.

Immediate Steps to Take
1. Contact HDFC Housing Immediately
Visit or call your bank and ask for a detailed loan amortization statement.
Get clarity on why the tenure is not reducing despite timely payments.
Request a break-up of the outstanding loan amount and revised interest calculations.
2. Ask for an Interest Rate Reduction
HDFC allows you to reduce your floating rate by paying a nominal fee (loan conversion charge).
Check the current floating home loan rates for existing borrowers and ask them to apply the lowest possible rate.
If HDFC refuses, ask about switching to a better scheme within HDFC itself.
3. Consider Balance Transfer to Another Bank
If HDFC does not reduce your interest rate significantly, you can transfer your home loan to another bank with lower rates.

Banks like SBI, ICICI, and Axis Bank may offer interest rates below 9% for a balance transfer.
Check with a few banks and negotiate for the lowest possible interest rate.
Ensure that the processing fee and other charges do not offset the savings from lower interest.
4. Prepay a Part of Your Loan (If Possible)
If you have some savings, prepay at least 5-10% of the loan principal.
This will reduce your interest burden and EMI tenure.
Ensure that prepayment charges (if any) are minimal or waived.
5. Monitor Your Loan Regularly
Floating-rate loans fluctuate based on RBI policy changes.
Check your home loan rate every 6 months to avoid sudden increases.
Opt for automatic rate conversion with HDFC, if available.
Final Insights
You should first try to reduce your rate with HDFC.
If they do not offer a better rate, go for a balance transfer.
If you have surplus funds, consider prepayment to reduce your tenure faster.
Always monitor your home loan rate every 6 months to avoid overpaying.
Would you like help in evaluating a balance transfer option with a different bank?

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Hello Team, Please advice from the below stocks which are not good from long term perspective of 3-5yrs with reasons: 1.Bajaj Housing Finance 2.BEL 3.Coal India 4.Dixon 5.Deepak Nitrite 6.Escorts 7.First Source Solution 8.Gareware Fiber Textile 9.Greaves Cotton 10.IRCTC 11.JK Paper 12.Maruti 13.Mazgon Dockyard 14.RVNL 15.Pidilite 16.Trent 17.Titan 18.Zen Technologies Regards, Amarendra
Ans: Your stock portfolio consists of companies from various sectors, including finance, defense, auto, infrastructure, and manufacturing. While some of these stocks have strong long-term potential, a few may face challenges over the next 3-5 years. Below is an analysis of stocks that may not be the best fit for long-term holding.

Stocks to Reconsider for Long-Term Investment (3-5 Years)
1. Bajaj Housing Finance
Housing finance companies are highly dependent on interest rate cycles.
RBI rate hikes can impact lending growth.
Competition from banks and fintech players is increasing.
2. Coal India
Coal demand may decline due to a global shift towards renewable energy.
Government regulations on carbon emissions could impact future growth.
The company has strong dividends, but capital appreciation may be limited.
3. Greaves Cotton
Faces stiff competition in the electric vehicle (EV) and auto component space.
EV transition is challenging for traditional engine manufacturers.
Growth prospects depend on EV adoption, which is uncertain.
4. First Source Solutions
IT services firms face margin pressure due to automation and AI.
The company lacks strong global scalability compared to bigger IT players.
Growth in the BPM (Business Process Management) industry is slowing down.
5. IRCTC
Revenue depends heavily on Indian Railways policies.
Any policy change by the government can impact profitability.
Stock is overvalued with limited growth potential.
6. RVNL (Rail Vikas Nigam Limited)
PSU infrastructure stocks depend on government projects.
Execution risks and delays affect revenue growth.
Limited innovation and scalability compared to private players.
Stocks with Strong Long-Term Potential
The remaining stocks in your portfolio have strong fundamentals and long-term growth potential. However, active management is necessary to ensure continued performance.

Switch to Active Mutual Funds for Better Growth
Managing an individual stock portfolio requires constant tracking, analysis, and decision-making. Instead of investing in individual stocks, switching to actively managed mutual funds can offer several benefits:

? Professional Management – Fund managers actively monitor and adjust holdings.
? Diversification – Reduces risk by investing in multiple sectors.
? Consistent Returns – Actively managed funds can outperform the market over time.
? Tax Efficiency – Mutual funds offer better tax advantages compared to stocks.

You can invest in large-cap, mid-cap, and flexi-cap mutual funds based on your risk appetite. Consider consulting a Certified Financial Planner (CFP) for personalized investment advice.

Would you like a detailed mutual fund recommendation based on your goals?

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Hello Ramalingam, Could you provide your feedback on my active SIPs? Axis Bluechip Fund Direct Plan Growth - 5k DSP Global Innovation FoF Direct Growth - 10k ICICI Prudential Tech Direct Growth - 8k Axis Small Cap Fund Direct Growth - 10k Mirae Asset Large & Midcap Direct Growth - 2.5k PGIM India Midcap Oppurtunites Fund Direct Growth - 6k Parag Parikh Flexi Cap Direct Growth - 15k Nippon India Pharma Fund Direct Growth - 10k Quant Small Cap Direct Plan Growth - 10k Axis ELSS Tax Saver Regular Growth - 2.5k Kotak Emerging Equity Fund Regular - 4.3k Mirae Asset Large & Midcap Direct Regular - 2.5k Kotak Small Cap Fund Growth Regular - 2.5k
Ans: You have a well-diversified SIP portfolio, but some improvements can be made. Below is a detailed review of your portfolio with suggestions.

Portfolio Diversification
Your portfolio covers large-cap, mid-cap, small-cap, flexi-cap, pharma, technology, and international exposure.

There are too many funds in the portfolio, leading to duplication.

A more focused approach can improve returns while maintaining diversification.

Large-Cap Exposure
Your portfolio has a large-cap fund. Large-cap funds provide stability.

Consider keeping only one large-cap fund instead of multiple overlapping ones.

Large-cap funds deliver steady growth but may not beat inflation significantly.

Mid-Cap and Small-Cap Exposure
You have multiple mid-cap and small-cap funds. These funds offer high growth potential.

Overexposure to small-cap and mid-cap can increase risk.

Reducing the number of mid-cap and small-cap funds will avoid redundancy.

Flexi-Cap and Multi-Cap Exposure
Flexi-cap funds allow fund managers to invest across market caps.

One flexi-cap fund is sufficient. Multiple flexi-cap funds lead to overlap.

A well-managed flexi-cap fund can balance risk and returns.

Sectoral and Thematic Funds
Pharma and technology funds are sectoral funds. They perform well in specific market cycles.

Sectoral funds are high-risk and should not exceed 10-15% of the total portfolio.

Consider reducing exposure to sectoral funds unless you have a long-term view.

International Fund Exposure
Global exposure adds diversification. However, international markets have different risks.

Foreign exchange rates and geopolitical risks can affect returns.

A single international fund is enough for diversification.

Tax-Saving ELSS Fund
ELSS funds help save tax under Section 80C.

ELSS has a lock-in period of three years.

One ELSS fund is enough instead of multiple tax-saving funds.

Direct vs Regular Funds
You have invested in direct funds. Direct funds require active tracking.

Regular funds provide guidance from an MFD with CFP credentials.

If you are not monitoring regularly, consider switching to regular funds.

Overlap Analysis
Some funds have similar stocks, leading to portfolio overlap.

Reducing overlapping funds can make your portfolio more efficient.

A focused approach improves returns without excessive diversification.

Debt Fund Allocation
There is no debt fund in the portfolio.

Debt funds provide stability and liquidity.

A small allocation to a short-duration debt fund can help manage short-term goals.

Portfolio Simplification Suggestions
Reduce the number of overlapping funds.

Keep one large-cap, one mid-cap, one small-cap, one flexi-cap, and one sectoral fund.

Limit international exposure to a single fund.

Maintain tax-saving investments only if needed under Section 80C.

Final Insights
Your portfolio is well-structured but has too many funds.

Streamlining the portfolio will improve efficiency and returns.

Reduce sectoral and mid/small-cap exposure for better risk management.

Add a debt fund for stability and liquidity.

Monitor the portfolio regularly or consult a Certified Financial Planner for guidance.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |249 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Feb 18, 2025

Asked by Anonymous - Sep 23, 2024Hindi
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Career
Sir,I am a bsc. Zoology student interested in pursuing Msc.Clinical embryology. Which all exams should I appear to get admission to this course? Which is better - Msc. Clinical Embryology or Msc. Clinical embryology and Assisted reproductive technology? What is the scope of this subject and what is its pay level? Please guide
Ans: The NTA has started conducting eligibility exams for all PG courses, including professional courses like Pharmacy (MPHARM), known as the PG CUET exams. This is the first year for these exams, with 174 universities participating: 41 central universities, 38 state universities, 12 government institutions, 14 deemed universities, and 69 private universities. Similar to NEET, universities from all over India are involved, so you need not worry. Additionally, you may be able to obtain a scholarship to pursue your course. In the near future, many more universities are expected to join this initiative.

For your specific situation, you need to appear for the entrance exam for TEST PAPER SCQP17, based on the course you have studied and the one you have selected. In some cases, the syllabus is also provided. Therefore, you don’t need to struggle with the admission process. However, you should research which courses are offered by each university to gather the necessary details individually. If you haven't registered this time, you can always try again next time. Please note: A candidate can take up to four different test papers.
Both courses are acceptable, but consider pursuing an MSc in Clinical Embryology and Assisted Reproductive Technology for a better future.

...Read more

Ravi

Ravi Mittal  |528 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025
Relationship
Hi i am a married woman aged 45 years, i am happily married and have a loving husband. My husband travels a lot due to work and my son is studying in college in Pune. Everything was going fine in my life, but few months back a MBA graduate boy 23 years joined our office in my team. He had to report to me, and our company send us for sales corporatemeetings to Mumbai and other cities often. Gradually we became close and he confessed he had a crush on me. I was falttered but told him i am much older and married. Although i was very flattered that he found me attractive. I am tall 5ft 7 inches and kept myself very fit and always men keep hitting on me but i always ignore them. On our last trip together we went for a meal and had a few drinks together. Then i told him i was sleepy and needed to go to my room. He accompanied to my room and had a coffee. I had a bavk ache and he said he can massage me for 5 mins. I hesitantly agreed during the massage one thing led to another and we had sex and since then we have started having sex whenever we travel togther often. He says he truly loves me but for next 5 years he cannot marry anyone. I have now started loving him a lot i often fight with my husband. I want to continue this affair but am afraid if my husband finds out or if people in office come to know. Strangely another young man in office has starterd showing interest in me and asked me out for a coffee. He also says he likes me a lot anf is caring, I am confused shall i also go for a simple coffee. what if my husband or younger boyfriend find out. Is what i am doing wrong, i just want to live my life fully am i wrong ???
Ans: Dear Anonymous,
If you do not have an open marriage, then what you are doing is certainly wrong. When has cheating ever been right? Especially when you did not mention anything wrong with your husband. I am not judging you; but I would suggest that if you want to keep this up, you either come clean to your husband or let him go. This isn't fair. You living your life to the fullest should not harm or hurt others.
Hope this helps.

...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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