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Samraat

Samraat Jadhav  |2088 Answers  |Ask -

Stock Market Expert - Answered on Apr 22, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Asked by Anonymous - Apr 17, 2024Hindi
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GE I am having SIP Rs.2000/- on MOTILAL OSWAL Mid cap funfd growth 5 yrs invested till date is it good to continue

Ans: for next 10yrs its good
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  |6986 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 30, 2024

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I am in invest in SIP axis small cap 2.5k ,tata small cap 2.5k,parag parikh flexi cap 2.5k,tata digital cap 2.5k ..it is ok to continue
Ans: Investing in SIPs (Systematic Investment Plans) is a smart way to build wealth over time. Your commitment to disciplined investing is admirable. Let's assess whether your current SIPs align with your financial goals.

Portfolio Diversification
Your portfolio includes investments in different types of funds. This diversification is beneficial as it reduces risk.

Small-Cap Funds: Investing in small-cap funds can offer high growth potential. However, they are more volatile than large-cap or flexi-cap funds.

Flexi-Cap Funds: Flexi-cap funds provide a balance between risk and reward. They invest across large, mid, and small-cap stocks, offering diversification within the fund itself.

Sector-Specific Funds: Investing in sector-specific funds can offer high returns when the sector performs well. However, they come with higher risk due to their concentration in one sector.

Evaluating Risk and Return
Your current investments include both high-risk and moderately risky funds. It's essential to ensure that your risk tolerance aligns with your portfolio's risk level.

Risk Tolerance: If you have a high-risk tolerance and a long investment horizon, your current portfolio may be suitable. Small-cap and sector-specific funds can provide higher returns but also come with greater volatility.

Investment Horizon: For goals that are 7-10 years away, small-cap and flexi-cap funds can be appropriate. However, for shorter-term goals, consider adding more stability to your portfolio.

Performance Consistency
Assessing the performance consistency of your funds is crucial. While past performance is not a guarantee of future results, it does provide insight into how the fund has managed various market conditions.

Small-Cap Funds: These funds can have high returns in bullish markets but may underperform during downturns. Regularly monitor their performance to ensure they continue to meet your expectations.

Flexi-Cap Funds: These funds offer more stability than small-cap funds. They can balance your portfolio by cushioning the impact of market volatility.

Sector-Specific Funds: These funds can perform exceptionally well in favorable market conditions but may suffer during downturns in their specific sector. Regular monitoring is essential.

Portfolio Overlap
Another aspect to consider is the overlap between the funds in your portfolio.

Overlap in Holdings: If multiple funds in your portfolio hold the same stocks, it reduces the benefit of diversification. Check for overlap and consider whether each fund adds unique value to your portfolio.

Diversification Across Asset Classes: Ensure your portfolio is diversified across different asset classes, not just equity. This can include debt funds, gold, or other alternatives to reduce overall risk.

Active Management Over Index Funds
Since you are investing in actively managed funds, it's important to understand the benefits over index funds.

Actively Managed Funds: These funds have the potential to outperform the market. Fund managers actively select stocks to maximize returns, which can provide an edge over passive investments like index funds.

Disadvantages of Index Funds: Index funds merely replicate the market and may not provide the same potential for outperformance as actively managed funds. Additionally, they may not protect as well against market downturns.

Benefits of Regular Funds Through a Certified Financial Planner
Investing through a Certified Financial Planner (CFP) ensures you receive personalized advice tailored to your financial goals.

Guidance and Expertise: A CFP can provide insights into fund performance, market conditions, and portfolio adjustments. This expertise can help optimize your investments.

Regular Funds vs. Direct Funds: While direct funds have lower expenses, regular funds offer access to professional advice. This can be especially valuable in managing complex portfolios.

Investment Strategy
Given your current portfolio, consider a few strategic adjustments to ensure it continues to meet your financial objectives.

Rebalance Regularly: Periodically rebalance your portfolio to align with your goals and risk tolerance. This involves adjusting the allocation between different funds to maintain your desired risk level.

Focus on Long-Term Goals: Keep your long-term financial goals in mind. If your goals or risk tolerance change, adjust your portfolio accordingly.

Monitor and Adjust: Regularly monitor the performance of your investments. If a fund consistently underperforms, consider replacing it with one that aligns better with your objectives.

Final Insights
Your commitment to SIPs is a positive step toward achieving your financial goals. Continue to assess your risk tolerance, investment horizon, and portfolio diversification. Consider the benefits of active management and professional guidance through a Certified Financial Planner to optimize your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Vivek

Vivek Shah  | Answer  |Ask -

Financial Planner - Answered on Apr 19, 2024

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Hello sir, I have started SIP in motilal oswal Nasdaq 100 of 100 fund since last 6 months. Should I continue with this?
Ans: Hello Vaibhav,

Firstly, it's essential to assess your investment goals, risk tolerance, and the suitability of the investment in your portfolio. The Motilal Oswal Nasdaq 100 Fund offers exposure to some of the largest and most innovative companies listed on the Nasdaq Stock Market, providing an opportunity for diversification and potential growth.

Considering you've been investing in the fund for the past six months, it's a good start to evaluate its performance against your expectations and the broader market trends. While short-term fluctuations are common in the stock market, analyzing the fund's performance relative to its benchmark index and peers can offer valuable insights.

Additionally, review the fund's investment strategy, portfolio composition, and expense ratio to ensure they align with your investment objectives and risk profile. Regular monitoring of your investments is crucial to adapt to changing market conditions and make necessary adjustments to your portfolio.

Ultimately, the decision to continue with your SIP in the Motilal Oswal Nasdaq 100 Fund should be based on your long-term financial goals, investment horizon, and comfort level with market volatility. If the fund continues to meet your expectations and remains in line with your investment strategy, it may be prudent to stay invested.

However, if you have concerns about the fund's performance, changes in your financial situation, or shifts in your investment objectives, it's advisable to reassess your investment strategy and consult with a qualified financial advisor to explore alternative options.

Remember, investing is a journey that requires careful planning, patience, and periodic review. I encourage you to stay informed, stay focused on your goals, and make decisions that align with your financial aspirations.

..Read more

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Anu

Anu Krishna  |1281 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Oct 07, 2024
Anu

Anu Krishna  |1281 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

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Help me!!! 1.I'm starting new "work" on my own(challenging for me) but my mind says quit it, be quite & do nothing. I myself don't know that wether the result of work will be +ive or uncompleted like alws. 2. My mind has become like order seeker type, when someone orders me, I do those things with dedicated(but sad from inside) manner. But when myself will try something different(which i fear, but necessary) then. "I QUITS IT" & sometimes I don't even start. 3. I'm like stuck no clue what/whom I want to do in life, I'm in cllg(1 yr) doing (CSE) ,. 4. I want to do/try (sports,talking girls,study,stocks,coding..) many things, but myself, my thoughts(overthinker), R like just be in the place where u are[confused,po*n,think about past/future(being billio..re,olympics..), girl (that u liked & never talked), abusive/beating self,.. sometimes feels like end life, but don't hv courage for that also.. 5. I tried self help books, spirituality, god, self affirmation, writing... & thay affected me(sometimes) but for only some time, then again that devil me comes up &these things never get completed. As no one in my family knows about all these, so that's Y ,I hv to fight/loose/try again, the battles with myself.
Ans: Dear Harsh,
If in the past you have had the urge to QUIT, how is this time going to be different? This is not to discourage you from taking up 'new work' but pointing out that there is some amount of work that you need to put to clear the mind out of blockages.
-What is limiting you?
- What is the reason for putting off things?
- What comes first to the mind when you start something new?
Also, focus on one thing at a time; study and go deep into it...what's this thing with work? I don't understand. When the mind is unsettled, take one thing/activity, pursue it and finish it. It could simply be studying for Year 1 of your college...just only do that...once your mind is trained in completing an activity, you can add another one the next year along with studying and then pursue both...it could be some sport and studying...then the next year, you could add a third activity. This is called 'training the mind in discipline'. Discipline will make sure that you start and finish things...So, go slow and do one thing at a time.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...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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