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Ramalingam Kalirajan |2314 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 15, 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

Asked by Anonymous - Apr 14, 2024Hindi

Money

Hi Experts, I have started investing 55k from my account and 1 lakh SIP from my wife account in mutual funds. Can you please review my portfolio and suggest if any changes required. My portfolio: 1. Axis growth opportunities fund - 8000 2. Canara robeco small cap - 8000 3. Quant active fund - 8000 4. PGIM India midcap opportunities - 5000 5. SBI Energy opportunities fund - 10000 6. Parag Parikh flexi cap - 8000 7. Tata digital India - 8000 My wife portfolio 1. Tata Digital India Fund Direct Growth - 20000 2. Motilal Oswal Nifty 200 Momentum 30 Index Fund Direct Growth - 12000 3. UTI Nifty Midcap 150 Quality 50 Index Fund Direct Growth - 12000 4. Canara Robeco Small Cap Fund Direct Growth - 8000 5. Parag Parikh Flexi Cap Fund Direct Growth - 8000 6. Motilal Oswal Large and Midcap Fund Direct Growth - 20000 7. HDFC Multi Cap Fund Direct Growth - 20000

Ans: Your portfolios have some overlap and could benefit from diversification. Here are general observations:

Concentration in Thematic/Sectoral Funds: Consider reducing weightage in thematic funds (energy, digital) as they can be volatile.
Multiple Mid-Cap & Flexi-Cap Funds: Having both might lead to overlap. Choose 1-2 well-diversified funds.
Consider Large-Cap Exposure: For a balanced approach, add a large-cap fund for stability.
Consult a financial advisor for a comprehensive review. They can assess your risk tolerance and goals to suggest a suitable asset allocation and potentially recommend specific funds.

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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Hi Nikunj. I am 39 years working professional and currently investing in following mutual funds :- 1. HDFC Mid-Cap Opp. Fund (Growth)- Rs.12000/- month. 2. HDFC Capital Builder Value Fund (Regular)- Rs.12000/- month 3. SBI Blue Chip Fund - Rs.2000/- month 4. Parag Parikh Flexi Cap Fund (Regular)- Rs.2000/- month 5. HDFC Balance Advantage Fund (Regular)- Rs.5000/- month. Please give your opinion whether my portfolio is good for long term goals or some change is required. Thanks in advance.

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Question by Gaurav - Dec 28, 2023Hindi

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Hello Sir, Hope You Are doing well. I would like to thank you for the help that you provide to us. I started Investing in Mutual Fund almost 3 Yrs Ago. Can you please analyse my portfolio, and suggest any changes, if required. Axis Midcap Invested-2.40L Current-2.90L(5K SIP Ongoing) Axis BlueChip Invested-1.95L Current-2.19L(10K SWP) Inactive Quant Liquid Plan Invested- 1.19L Current-1.27L(Emergency Fund) Mirae Asset Emerging BlueChip Invested- 67.5K(Increased-12.5K) Current-81.41K(Active 2.5K) Nippon IndiaSmall Cap Invested-42.5K Current-61.58K(2.5K SIP Active) SBI Tech Opp Fund Invested-50K Current-55.06K(2.5K SIP Active) Tata Digital India Fund Invested-37.5K Current-40.99K (Inactive SIP) Quant Small Cap Invested-15.00K Current-17.67K(2.5K SIP Active) Mirae Asset Large Cap Invested-00.00K(10K SIP Started) Moving from Axis BlueChip I know you advice against thematic Fund, but I would like to continue my Investment in that Fund. My Age is 27Yrs, 1Month, I am planning to go for MBA Now, and will discontinue my SIPs until I get a Job (Except for a few Internship Lump sum). My Goals are 5Cr for a House in 20Yrs, 3Cr for My Children Education in 20Yrs and 10Cr for Future Retirement Prospects in 30Yrs. I will be increasing my SIP to 35K from Current 20K. Please Advice. Thank You.

Ans: It's commendable that you've been investing systematically and have clear financial goals in mind. Considering your long-term objectives, it's essential to ensure that your portfolio remains diversified and aligned with your risk tolerance. While thematic funds like the one you're invested in can offer potential growth, they also carry higher risk. As you pursue your MBA and temporarily pause SIPs, continue monitoring your portfolio periodically. Once you resume regular investing, consider rebalancing your portfolio if needed to maintain diversification. Consult with a financial advisor to optimize your investment strategy and ensure it aligns with your evolving goals and risk profile.

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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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