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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Mar 15, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Sujit Question by Sujit on Mar 03, 2024Hindi
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Let me give suggestion about where Can I spend lump some or sip in tata nifty midcap 150 momentum 50 fund or uti 150 midcap quality 50,Nippon nifty 50 value 20 (like liquid fund) Bandhan nifty alpha 50 fund or axis midcap 50 fund which would be better return after 3- 5 years and which would be risk less?

Ans: Hello Sujit & thanks for writing to me. Barring Axis Midcap 50, the others are strategy index funds that select stocks that meet certain conditions like momentum, value etc. As they are all equity funds, you will face the volatility that is associated with others.

As your horizon is 3 to 5 years, you can consider investing equally in a mix of these 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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Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

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Hi, My name is Shoaib and I recently bought Bajaj Allianz midcap index and small cap fund and invested 60k in total. Would you suggest investing in lumpsum or as an SIP and please advise if they are good funds.
Ans: Dear Shoaib,

Thank you for sharing your recent investment in Bajaj Allianz Midcap Index and Small Cap Fund. When deciding between lump sum and SIP investments, it's essential to consider your risk tolerance, investment horizon, and financial goals.

Given the volatility often associated with mid-cap and small-cap funds, investing through SIPs can help mitigate the risk of market timing and potentially provide cost averaging benefits over time. However, if you have a lump sum available and are comfortable with the associated risks, investing it all at once could also be a viable option, especially if you believe in the long-term growth potential of these funds.

Regarding Bajaj Allianz Midcap Index and Small Cap Fund, it's crucial to conduct thorough research and consider factors such as historical performance, fund manager expertise, expense ratios, and investment philosophy. While Bajaj Allianz is a reputable name, it's essential to carefully evaluate the specific funds' track record and compare them with peer funds before making a decision.

Additionally, as you mentioned, it's wise to avoid ULIPs (Unit Linked Insurance Plans) due to their typically high charges and complex structures, which can erode your investment returns over time.

For personalized advice tailored to your financial situation and goals, I recommend consulting with a qualified financial advisor who can provide comprehensive guidance and help you make informed investment decisions.

Best regards,

Ramalingam, MBA, CFP
Chief Financial Planner

..Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Hello sir, I want to invest between 10-15 k per month in sip for 15 years. Can you please suggest me what funds will be best for me. I selected quant small mid and flexi adity birla sun life PSU , Nippon large cap , Nippon India night small cap 250 index fund Nippon India nifty midcap 150 index .. please suggest
Ans: It's great to hear that you're interested in investing through SIPs for the next 15 years. Here are some recommendations for mutual funds based on your investment preferences:

1. Small & Mid Cap Funds: These funds offer exposure to both small and mid-cap stocks, potentially providing higher returns over the long term. Look for funds that have a consistent track record and are managed by experienced fund managers.
2. Large Cap Funds: Large-cap funds invest in well-established companies with a track record of stable performance. They offer stability and are suitable for conservative investors seeking steady returns over time.
3. PSU Funds: PSU funds focus on investing in Public Sector Undertaking companies. These companies are backed by the government and can offer stability and growth potential. Look for funds with a strong portfolio of PSU stocks.
4. Index Funds: Consider investing in index funds that track specific indices like Nifty Smallcap 250 Index or Nifty Midcap 150 Index. These funds offer diversification and typically have lower expense ratios compared to actively managed funds.
When selecting mutual funds for your SIP investment, it's important to consider factors such as fund performance, expense ratio, fund manager experience, and investment strategy. Conduct thorough research or consult with a financial advisor to make informed decisions based on your risk tolerance and investment goals.

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Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 14, 2024Hindi
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I am 50yrs recently started investing in mutual funds I.invested 1k in icici prudential opportunities fnd 2.5K in icici equtity n devt fun 10000 in sbi contra sip Now next pls advise For sip to be started or advise find Hdfc midcap opportunities or sbi advantage or kotak opportunities fund ls advice
Ans: Your current investments are a great start. They show your initiative to grow your wealth. Here’s what you have invested in so far:

ICICI Prudential Opportunities Fund: Rs 1,000
ICICI Equity and Development Fund: Rs 2,500
SBI Contra SIP: Rs 10,000
Analysis of Current Investments
Diverse Fund Choices:

You have chosen a mix of funds.
This helps in diversifying your portfolio.
Equity Focus:

All your current investments are equity-focused.
This is good for long-term growth.
Recommendations for New SIP Investments
Balanced Approach
For a balanced portfolio, consider adding different types of funds. Diversification reduces risk and enhances potential returns.

Mid Cap Funds:

HDFC Midcap Opportunities:
Invests in mid-sized companies.
Potential for higher returns.
Suitable for moderate risk appetite.
Balanced Advantage Funds:

SBI Balanced Advantage:
Balances between equity and debt.
Provides stability and growth.
Suitable for conservative investors.
Opportunities Funds:

Kotak Opportunities Fund:
Focuses on market opportunities.
Actively managed for better returns.
Suitable for aggressive investors.
Investment Strategy
Diversify Across Fund Types:

Invest in a mix of large cap, mid cap, and balanced funds.
This balances risk and return.
Avoid Direct Funds:

Direct funds lack professional guidance.
Regular funds through a Certified Financial Planner provide better support.
Actively Managed Funds:

Avoid index funds due to their passive nature.
Actively managed funds aim to outperform the market.
Suggested SIP Allocation
Based on your goals and risk appetite, here’s a suggested SIP allocation:

Large Cap Fund:

Allocate Rs 3,000 per month.
Provides stability with steady growth.
Mid Cap Fund:

Allocate Rs 3,000 per month.
Offers higher growth potential.
Balanced Advantage Fund:

Allocate Rs 4,000 per month.
Balances between growth and stability.
Benefits of Regular Funds
Professional Management:

Regular funds are managed by experts.
They can make informed decisions to maximize returns.
Support and Guidance:

Investing through a CFP provides continuous support.
They help in aligning investments with your goals.
Final Insights
Starting to invest at 50 shows your commitment to financial growth. Focus on diversifying your portfolio with a mix of large cap, mid cap, and balanced funds. Avoid index and direct funds. Seek guidance from a Certified Financial Planner for better investment choices. This approach will help you achieve your financial goals efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Latest Questions
Nayagam P

Nayagam P P  |4129 Answers  |Ask -

Career Counsellor - Answered on Feb 19, 2025

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Dear sir, My name is Manjunath aged 50, we are basically from Karnataka but now working and settled in Gujarat last 20 years, I have 2 kids studying class 6 and class1, Our caste is OBC, I need to take an advantage of OBC caste for my son future studies, but the problem is in Karnataka taluk office they are not issuing caste certificate because they are saying we need to stay present then only certificate will issue, but in Gujarat we don't know we can get certificate or not because the perticular caste not exists in Gujarat state. Please help me how to get OBC certificate from which state and the process Regards Manjunath
Ans: Manjunath Sir, To obtain an OBC certificate for your children, it's essential to understand the state jurisdiction where your caste is recognized. In Karnataka, the Karnataka authorities are responsible for issuing the certificate, while Gujarat may not be feasible if your specific caste is not listed in the OBC list. To apply, you need to visit the native Taluk, gather necessary documents, and submit the application in person. If traveling isn't possible, consider using an authorized representative or an online application. Future considerations include considering residency implications, staying informed about changes in policies, seeking legal advice if uncertainties persist, and engaging with community groups from Karnataka residing in Gujarat. By following these steps, you can secure the OBC certificate for your children and ensure they have access to its benefits. All the Best for your Children's Prosperous Future.

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Nayagam P

Nayagam P P  |4129 Answers  |Ask -

Career Counsellor - Answered on Feb 19, 2025

Nayagam P

Nayagam P P  |4129 Answers  |Ask -

Career Counsellor - Answered on Feb 19, 2025

Asked by Anonymous - Jan 06, 2025Hindi
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Career
I am 21 year old female, doing my graduation in zoology from a central university. And I am in my 3rd year now. But I am still having doubts on which direction should I go for after graduation. I don't have any interest in higher studies. And I am afraid that if i won't get a government job then i will regret leaving my studies after graduation. I don't have any other skills beside drawing good portraits. I have already tried to sell my portraits but that was also a failure because of bad marketing . I have self esteem issues, bad communication skills. And though i score good marks in exams but these are just bookish knowledge which i just forget after attempting exams. I want to do a job but don't know which direction to go or how to prepare myself. Please give me some advice on how to build my career, develop a better personality.
Ans: A B.Sc. in Zoology can lead to various career opportunities, including wildlife technicians, environmental educators, zookeepers, and animal care technicians. Government positions, such as the Indian Forest Service (IFS), Staff Selection Commission (SSC), and Public Sector Banks, value graduates from diverse fields. To leverage your artistic skills, enhance your online presence and learn basic marketing skills. Improve self-esteem and communication skills by joining workshops or clubs, setting small, achievable goals, and seeking feedback.

Practical steps forward include identifying your interests, researching potential careers, developing necessary skills, networking with professionals, and considering internships or volunteering. Despite the uncertainty, taking proactive steps, seeking support, and being open to exploring various opportunities can lead to a fulfilling career. All the Best for your Prosperous Future.

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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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