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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 16, 2020

Mutual Fund Expert... more
R Question by R on Dec 16, 2020Hindi
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I am having SIPs since last 4 years as follows:

Ans: :

Name of the Fund Category RankMF Star Rating Recommendation
R Zawar
1) Aditya Birla Sunlife Pure Value Fund Growth-₹4500 Equity - Value Fund 2 Can Consider Axis ESG Equity Fund - Growth
2) ICICI pru. Large and midcap fund growth-₹7500 Equity - Large & Mid Cap Fund 1 Can Consider Tata Large & Mid Cap Fund - Growth
3) Nippon india power and infra fund growth- ₹3500 Equity - Sectoral Fund - Energy & Power 2 Can Consider UTI Equity Fund - Growth
4) UTI Mastershare growth-₹2500 Equity - Large Cap Fund 5 Please Continue
5) Tata equity PE fund regular plan growth option-₹4500 Equity - Value Fund 5 Please Continue
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  |6991 Answers  |Ask -

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

Asked by Anonymous - May 06, 2024Hindi
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I do SIP of Rs.30,00,000 ( thirty lacs ) per month....... Every year I increase by 10 percent. I am 41 years please guide...
Ans: Your commitment to investing is truly impressive, especially with such substantial monthly SIP contributions.

Your strategy of increasing your SIP amount by 10% annually demonstrates a proactive approach towards wealth accumulation.

Given your age of 41, you have a good amount of time ahead to capitalize on the power of compounding.

Let's break down your plan and see how we can optimize it further:

Your current SIP amount of Rs. 30,00,000 per month is substantial and shows a strong commitment towards your financial goals.

Increasing your SIP amount by 10% annually is a prudent move, considering inflation and rising expenses over time.

However, it's important to ensure that this increase doesn't strain your finances or impact your ability to meet other financial obligations.

As a Certified Financial Planner, my suggestion would be to periodically review your financial situation and reassess your SIP strategy accordingly.

Consider factors such as changes in income, expenses, and market conditions to make informed decisions about adjusting your SIP amounts.

Additionally, diversification across different asset classes and investment vehicles can help mitigate risk and optimize returns.

While SIPs are a great way to systematically invest in mutual funds, exploring other avenues such as debt funds, equities, and alternative investments can further enhance your portfolio's performance.

Remember to stay focused on your long-term financial goals and avoid making impulsive investment decisions based on short-term market fluctuations.

Lastly, I want to commend you for your dedication to financial planning. With continued discipline and strategic decision-making, you're well-positioned to achieve your financial aspirations.

Keep up the great work, and remember that I'm here to support you every step of the way!

..Read more

Ramalingam

Ramalingam Kalirajan  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 08, 2024Hindi
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I do sip of rs 300000000 (30 crore) per month......each year i increased by 10 percent. I am 25 years please guide...
Ans: Wow! Your dedication to investing such a substantial amount through SIPs is truly impressive.
Starting at such a young age and with such a significant monthly contribution shows foresight and financial responsibility beyond your years.
Understanding Your Goals
It's evident that you have long-term financial goals in mind, and your proactive approach to investing reflects your commitment to securing your future.
By starting your investment journey at 25 and with a substantial monthly SIP amount, you're laying a solid foundation for wealth accumulation and financial independence.
Strategies for Maximizing Returns
Consistent Increase in SIP Amounts
Increasing your SIP contributions by 10% annually is a prudent strategy to keep pace with inflation and potentially enhance your wealth accumulation over time.
This disciplined approach ensures that your investments grow in line with your income and financial goals, compounding your returns significantly in the long run.
Diversification Across Asset Classes
Consider diversifying your investment portfolio across various asset classes such as equities, debt, real estate, and alternative investments.
This diversification helps spread risk and can potentially enhance returns while safeguarding your portfolio against market volatility.
Periodic Review and Adjustments
Regularly review your investment portfolio and performance to ensure it remains aligned with your financial goals and risk tolerance.
Periodic adjustments may be necessary to rebalance your portfolio, capitalize on emerging opportunities, or mitigate risks as market conditions evolve.
Seeking Professional Advice
Importance of Professional Guidance
While your commitment to investing is commendable, seeking professional advice from a Certified Financial Planner (CFP) can provide valuable insights and guidance.
A CFP can help you tailor a comprehensive financial plan, optimize your investment strategy, and navigate complex financial decisions with confidence.
Continuous Learning and Growth
Stay informed about financial markets, investment trends, and economic developments to make informed decisions.
Continuously educate yourself and leverage resources to enhance your financial knowledge and expertise.
Conclusion
Your proactive approach to investing such a significant amount through SIPs at a young age demonstrates foresight and discipline. By continuing to increase your SIP contributions, diversifying your portfolio, and seeking professional guidance, you're well-positioned to achieve your long-term financial goals and secure a prosperous future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Anu

Anu Krishna  |1287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024Hindi
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Relationship
Hi Anu Mam Im 27 yrs old ( married) and 10 yrs old daughter. Im seperated from my husband since 2 yrs due to several reasons like he is drinking and Totally addicted to it. And he is totally dependent and now today also roaming on the roads of some streets of hyd. I belongs to an orthdox family. Now the question is one backward caste man who is married age : 33 he is interested in me and proposed me to a marriage after knowing all my past and saying that he accepts my child too. And the thing is he said a lie to me at first that he is unmarried and even though i had a good impression on him about the way he behaves with me he even treat me in a very polite manner. He says he loves me even though i too had a good impression but the things are the castes and can we both settle down with a marriage can we be happy or he is only trying to convince me to get him a wife to care care of him or only for his parents, he always talks about his own sister and also the office colleagues calls them sister and get emotional about them those who left the office. And he cries a lot which i dont trust on him and the face i see him that was not an real cry that looks like an act which i dont like in him. May he is acting ? Or really loving me, ge cares alot i feel like he is over reacting
Ans: Dear Anonymous,
If you are in doubt, then it's highly likely that he is putting on an act. Go with your intuition and hey hey, you said that he is married and so are you...You do realize that you just can't go ahead and marry while you are already to other people, right?
Focus on what's happening in your life; you obviously have to do something about it...Other relationships can wait!

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  |1287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 06, 2024Hindi
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Relationship
Hello Ms Anu, I am a 42yr female..married since 14 yrs and have 10yr old son . I am highly qualified and financially independent. My marriage was a arranged one.. but in these 14 yrs.. I never experienced love or and attachment from my husband's side. He is a family man.. there is no other woman involved..He loves his parents and his two sisters immensely... but always treats me as a option. I feel humiliated and lonely and he has short temper when i talk about this issue... so basically I don't discuss... but that is no solution... I am suffering and unhappy. What should I do?
Ans: Dear Anonymous,
A few married men can be more focused on the women on their side of the family; it becomes easy to express love, care and attention to them as he has grown with them.
A wife happens to be someone that he is yet to understand. It requires effort to make a marriage work; your husband finds it convenient to take the easy way out and 'hang out' with his family.
So, here you take the lead and start. Start not by bringing forth your complaints as this is going to push him further to them which is going to annoy you BUT by inviting him to be with you. A lot of work, I get it...but the bottom line: that's what you want, right?
Plan dates evenings, take short vacations together, work-out together...the key is to establish a connection which never had its chance in the first place...So, give your best shot! Most times actions speak louder than words ever can...

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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