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Ulhas

Ulhas Joshi  |279 Answers  |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  |7100 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  |7100 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  |7100 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

..Read more

Latest Questions
Anu

Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 22, 2024

Asked by Anonymous - Jul 28, 2024Hindi
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Hi sir, I am 40 yr old having work-expereince of 10 yrs behind me in ITes, customer support & service, banking and sales & marketing (product). My life till now can easily be converted into a bollywood biopic having its own twist & turns, roadblocks, struggles laughter, joy and sorrow. Change is the only constant in life and that exactly applies in my case. Although it has been a satisfactorily life till now given that I know myself and how I lead my life. Whenever I start to read something new I feel like going deep into it. I am also easily attracted to novel things & concepts. I usually get into procastination mode whenever I come across something entirely new and start to imagine myself trying it out in realilty.Why does this happens? Why can't I focus on one single thing at a time and see it to completion? I know in todays world generalists are looked down upon and it is an era of specialists, experts and professionals having good domain knowledge of their area of work. It is always better to be an expert than be a jack of all trades (which seems very filmy nowadays where a hero is expected to do everything on his own). Lately I have developed an avid interest in technology and i keep on reading various articles & books on IT and technology. I am also pursuing an online cyber security course from Great Learning Institute, Bangalore. I want to know am I going in the correct direction in life or is it something else I should do which ensures more satisfaction in life? Lately, I have become bit irriiated as well due to the above reasons as I tend to do multiple things at a time (multitasking). My parents are also fed up of me now. My mother keeps nagging me all day.I dont know how to really deal with her, as she always finds perfection in everything. That becomes too much at times. Does this happens in every household? Should I go out and travel to some place in order to temporarily escape from all this? Kindly suggest me some course of action. Pls answer. Thanks
Ans: Dear Anonymous,
You will be distracted and keep trying new things until you actually figure out what you want for yourself in life.
- How does you life seem like a few years down the line?
- What must you do NOW to actually get to where you want in life?

And to answer these questions, you first need to identify a strong, solid goal in life. Either you work with a mentor or your boss or a friend or an expert who can help you identify your goal and purpose. That might help you stay the course and actually streamline your thoughts, your job and your daily life.
Travel used for learning is great but using it to escape only worsens things...So, work on Goal-Setting!

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

Anu

Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 22, 2024

Asked by Anonymous - Nov 16, 2024Hindi
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Relationship
Hi , I am a professor mech engineer , after death of my wife and due to having 5 year girl baby I planned for 2 nd marriage as I live alone away from home town because my of job with my little baby . I accepted a widow having 2 child ,she was working in a govt job 250 km away , after ensuring and agreeing her possibility of transfer and job vacancy @govt office near my house and ensuring she agreed that she will come to live with me along with her 2 kids and my little baby as her trasfer was due in comming few months . We lived apart during her job at 250 km away.,while meeting on weekly offs 6 /7 time in 6 months , then she take 360 degree u turn and said she will not get job transfer to my place and get her trasfer in other dept. in same previous office. And started telling many reasons like she will loose her children's inheritance in her in-laws property ,she will loose promotion , kids Don't want trasfer , and said we will live apart forever . This was contradictory to earlier agreed things .and my my purpose to live in family with my baby not fulfilled , so after long ruckus ,I mutually got divorce from her , Then After divorce I decided to marry non working women having no child and don't expect child as I am @48 year old and tired of living alone and managing job ,girl , house chores . I married to a divorcee girl from Pune ,she was BA first year college drop out girl of 44 yr age after 6 months of long dating on week ends . During 6 months I tried to know her indepth but was don't used to talk much as I was trying to know her true nature, we visited many places ,movies . She seemed perfect as per my requirement of girl wanting no child , and she is house wife . after marriage she behave well for 1 st week ,then she started trouble to hate my baby ( became kaikai )on pety things , she want my baby to house chores at the cost of her important year of 10th std study . She don't liked me taking tution of girl , she didn't like if I help my girl any way . She don't like if I spent some money on my girl . She used to fight all night and don't let me sleep . Now she stated demanding that she want baby , though I was against and b4 marriage agreed to not have any more child due to old age ,cost ,and no personal time for self , then I agreed to have child but b4 that I got her and my fertility tested ,she had weak eggs and syst on her reproductive organs and doc warned to not go for pregnancy due to risk and probability of unhealthy baby birth , but she kept repeating That she want child we consulted 4 Drs. She used to fight and go to her mother's home for 2/4 months after living with me for 2/3 days only . Now she wants divorce , and asks me to keep my girl in hostel if I want her in my life . This Ramayan has left me baffled , What should I do ??? .....
Ans: Dear Anonymous,
The reason to marry for you mainly has been companionship, a mother for your daughter...
And marriage is not a transaction BUT a meeting of minds...when there is no compatibility, there is no space for agreeing on the same things or wanting to make things work which is possibly what has happened with your 2nd and 3rd marriage.
If you want this marriage to work, there has to be an equal commitment by both of you, so, start by emotionally bonding first. Slowly build on this by making goals for the marriage and the future...your only goal can't be mother for your child...not all women are going to readily accept this and some may even falter along the way. Allow the lady and your daughter to bond together for sometime so they develop a unique relationship...
Understand that transactional relationships do not last; so, invest enough time in building trust in that companionship for it to become something meaningful

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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