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Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 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
Saumik Question by Saumik on Apr 07, 2024Hindi
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I am a Government Employee. My age is 32 and I invest in several Mutual Funds . All of which are Small cap & Mid cap. As I am very aggressive investor , my investment horizon is 20 years . My investment are in following funds. 1.Axis Small cap fund - 3000 2. Axis Mid cap fund - 2000 3. HDFC Midcap opportunities fund -3000 4. Canara Robacco Small cap fund- 2000 5. Parag Parikh Flexicap Fund -2000 6. Motilal Oswal Midcap fund - 2000 7. Nippon India Small cap fund - 4000 With the increase salary I will also increase the amount of SIP Please suggest me any further changes of the above said portfolio to create a corpus of 10 Cr.+ .

Ans: Given your aggressive investment approach and long-term horizon, your portfolio seems well-aligned with your risk appetite and goals. However, there are a few considerations to keep in mind:

Diversification: While small and mid-cap funds have the potential for high growth, they also come with increased volatility. Consider diversifying your portfolio by adding exposure to large-cap or multi-cap funds to balance risk.
Fund Selection: Review the performance and consistency of your existing funds regularly. Ensure they continue to meet your investment objectives and are managed by reputable fund houses with a proven track record.
Regular Monitoring: Stay informed about market trends, economic developments, and fund performance. Periodically review your portfolio and make adjustments as needed to optimize returns and manage risk effectively.
Increase SIP Amounts: As your income increases, consider gradually increasing the SIP amounts in your existing funds or adding new funds to accelerate wealth accumulation. However, ensure you maintain a disciplined approach and avoid overextending yourself financially.
Consider Professional Advice: Consulting with a Certified Financial Planner can provide personalized guidance and help fine-tune your investment strategy based on your specific goals, risk tolerance, and financial situation.
With disciplined investing, regular monitoring, and a well-diversified portfolio, you can work towards achieving your goal of building a corpus of 10 Cr.+ over the next 20 years.
Asked on - May 08, 2024 | Answered on May 08, 2024
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Thank you sir for your valuable suggestions.
Ans: Welcome :)
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 sir I'm 47 yrs old have 2 kids. for their education and marriage i started investing in mutual fund since 2018.My portfolio is as follows &all are direct fund.1,CANARA ROBECCO SMALLCAP FUND 3000/MONTH 2,EDELWEISS MIDCAP FUND 2500/Month 3MIRAE ASSET LARGE CAP 2500/MONTH 4PGIM FLEXI CAP FUND 2000/MONTH 5PPFAS FLEXI CAP FUND 4000/MONTH 6QUANT ACTIVE FUND 2500/MONTH 7SBI SMALLCAP FUND 3000/MONTH 8SBI MAGNUM MIDCAP FUND 2500/MONTH 9SBI CONTRA FUND 2500/MONTH 10SBI TECHNOLOGY FUND 2000/MONTH 11KOTAK EMERGING EQUITY FUND 3000/MONTH 12HDFC MIDCAP OPPORTUNITY FUND 2500/MONTH SIR my question is that is my portfolio needed any changes? & how much corpus can I accumulate in last 13 years as i will retire at 60. Please reply & thanks in advance. 7 7 SBI SMALL CAP FUND 3000/MONTH
Ans: Your portfolio consists of a diverse mix of mutual funds across various market segments, including small-cap, mid-cap, large-cap, and flexi-cap funds. However, having such a large number of funds may lead to over-diversification and increase the complexity of managing your portfolio.

Consider consolidating your portfolio by focusing on high-quality funds that align with your investment objectives and risk tolerance. Review the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates significantly from its investment objective, you may consider replacing it with a better-performing alternative.

As for the corpus accumulation, it would depend on various factors such as the performance of the funds, the consistency of your contributions, and market conditions. You may use online SIP calculators to estimate the potential corpus based on your ongoing SIP contributions and expected returns.

Given your retirement goal at age 60, ensure that your investment strategy is aligned with your long-term financial objectives and risk profile. Consider consulting with a financial advisor for personalized guidance tailored to your specific circumstances.

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