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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Mar 28, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Asked by Anonymous - Mar 11, 2024Hindi
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I have hdfc small cap, multicap, flexicap funds all direct. Since the mid and small cap segment is overheated, can I invest in hdfc nifty 250 small cap index fund and nifty 150 midcap index fund now?

Ans: As you already have investment in HDFC mid, small and flexi cap funds, we do not suggest you to start your investment in index fund.

Index fund is replica of the index and it passively managed by the fund manager. They are designed to match the market, not outperform it. So, if you're looking for explosive growth, an actively managed fund might be a better option.

As you have investment only in HDFC AMC, we suggest you to diversify your investment across the AMCs (Asset Management Company). It will help you to reduce the Concentration Risk in your portfolio and provide the necessary diversification to your portfolio.
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  |8897 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

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Hi sir ,please advise me iam having axis blue chip fund(G), ICICI Pru Value discovery fund(G),Mirae Asset Large cap (g),Motilal Osawal Nifty bank index fund (G),Quant active fund (G), SBI flexi cap fund , can i continue above funds ,please advise me
Ans: Evaluating Your Mutual Fund Portfolio for Optimal Performance

Your existing portfolio comprises a mix of equity and index funds, reflecting a diversified approach to investment. Let's assess each fund's performance and suitability to determine whether to continue or make any adjustments.

Analyzing Your Current Holdings

Axis Blue Chip Fund, ICICI Pru Value Discovery Fund, Mirae Asset Large Cap Fund, SBI Flexi Cap Fund, and Quant Active Fund offer exposure to various segments of the equity market, providing diversification benefits.

Motilal Oswal Nifty Bank Index Fund focuses on tracking the performance of the Nifty Bank Index, offering exposure to the banking sector.

Performance Evaluation

Evaluate each fund's historical performance relative to its benchmark and peer group. Assess factors such as consistency of returns, risk-adjusted performance, and fund manager expertise.

Consider the fund's investment strategy, portfolio composition, and expense ratio. Ensure alignment with your risk tolerance and investment objectives.

Identifying Areas for Potential Adjustment

Overlapping Holdings: Review your portfolio for any overlapping holdings or duplicate exposures across funds. Consolidate similar investments to streamline your portfolio and optimize diversification.

Underperforming Funds: Identify any funds that consistently underperform their benchmarks or peers. Consider replacing them with alternatives that offer better prospects for growth and align with your investment goals.

Asset Allocation: Maintain a balanced asset allocation across different fund categories to manage risk effectively and achieve your long-term financial goals.

Recommendations

Continue Well-Performing Funds: Retain funds that have demonstrated consistent performance, robust fundamentals, and alignment with your risk profile. These funds contribute to diversification and long-term growth potential.

Review Underperforming Funds: Evaluate underperforming funds and consider replacing them with better alternatives. Focus on funds with strong track records, experienced fund managers, and clear investment strategies.

Seek Professional Guidance: Consult with a Certified Financial Planner to review your portfolio, identify areas for improvement, and develop a personalized investment strategy. Professional guidance can help optimize your portfolio and maximize returns over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |8897 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Sir, i have been investing in Large cap direct MF , shall i close them and move to largege cap index fund ? Same startegy for mid , small and mirco cap ?
Ans: Transitioning from actively managed mutual funds to index funds requires careful consideration of your investment objectives, risk tolerance, and market dynamics.

While index funds offer lower expense ratios and passive management, they may not always outperform actively managed funds, especially during market fluctuations or when specific sectors outperform the broader market.

Here's a breakdown of factors to consider:

Large Cap Funds: If your large-cap direct mutual funds have consistently underperformed their benchmark indices, or if you prefer a more passive approach with lower costs, transitioning to large-cap index funds could be an option. However, ensure you understand the implications of switching, including potential tax consequences and performance variations.
Mid, Small, and Micro Cap Funds: These segments of the market often require active management to identify promising opportunities and manage risks effectively. While index funds may provide broad exposure, actively managed funds can capitalize on market inefficiencies and deliver potentially higher returns. Evaluate the track record of your existing funds and consider consulting a Certified Financial Planner to determine the best approach based on your investment goals and risk profile.
When transitioning between funds, consider the following:

Tax Implications: Exiting existing investments may trigger capital gains tax liabilities. Assess the tax implications of switching funds and evaluate whether the potential benefits outweigh the costs.
Performance Comparison: Compare the historical performance of your current funds with relevant index benchmarks. Evaluate factors such as consistency, risk-adjusted returns, and fund manager expertise before making a decision.
Cost Analysis: Consider the impact of expense ratios and transaction costs on your investment returns. While index funds typically have lower costs, ensure that the benefits justify any potential performance trade-offs.
Diversification: Review your overall portfolio diversification and ensure that any changes align with your asset allocation strategy and long-term financial goals.
Ultimately, the decision to switch from actively managed funds to index funds should be based on a thorough assessment of your individual circumstances and investment objectives. Consulting with a Certified Financial Planner can provide valuable insights and personalized guidance tailored to your specific needs.

there are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:

Advantages of Investing Through a Mutual Fund Distributor (MFD):

Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Moneywize

Moneywize   |181 Answers  |Ask -

Financial Planner - Answered on Mar 10, 2024

Asked by Anonymous - Mar 09, 2024Hindi
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I have been investing in mid-cap MFs. Shall I close them and move to index funds as market looks overheated? Same startegy for small and mirco-cap MFs?
Ans: Deciding whether to switch from mid-cap mutual funds (MFs) to index funds depends on several factors, and the current market condition (overheated or not) is just one piece of the puzzle. Here's a breakdown to help you decide:

Mid-Cap vs Index Funds:

• Risk: Mid-cap funds generally involve higher risk than index funds. Mid-cap companies are more volatile, so the fund's value can fluctuate more significantly. Index funds, by nature, tend to mirror the market, offering a more stable ride.
• Return Potential: Historically, mid-cap funds have offered the potential for higher returns than index funds. However, this is not guaranteed, and past performance doesn't necessarily predict future results.
• Management: Mid-cap funds are actively managed, meaning a fund manager tries to pick stocks that will outperform the market. Index funds are passively managed, simply tracking a specific market index.

Current Market Conditions:

Overheated Market: If you believe the market is overheated, there could be some logic in moving to a less volatile option like an index fund. However, trying to time the market can be difficult, and you risk missing out on potential gains if the market continues to rise.

Other Factors to Consider:

• Investment Timeframe: If you have a long-term investment horizon (over 5 years), you may be able to stomach the volatility of mid-cap funds. However, if you need your money in the short term, index funds might be a safer option.
• Risk Tolerance: How comfortable are you with potential losses? If you can't handle large swings in your portfolio value, index funds might be a better fit.
• Your Investment Goals: What are you hoping to achieve with your investments?

Small and Micro-Cap MFs:

The same logic applies to small and micro-cap MFs. They generally involve even higher risk than mid-cap funds but also have the potential for even higher returns. Carefully consider your risk tolerance and investment goals before investing in them.

Here are some recommendations:

• Do your research: Learn more about mid-cap vs index funds and understand the risks involved in each.
• Consult a financial advisor: A professional advisor can help you assess your individual situation and make informed investment decisions.
• Consider a diversified portfolio: You don't have to choose between all mid-cap or all index funds. You can have a mix of both in your portfolio to balance risk and reward.

Ultimately, the decision of whether to switch from mid-cap MFs to index funds is up to you. By considering all the factors involved, you can make an informed choice that aligns with your investment goals and risk tolerance.

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Nayagam P

Nayagam P P  |6178 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

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upes dehradun or nmims mumbai which is more benificial for cse? in upes everything is costing around 30L for 4 years while in nmims it is costing 40L which is good for cse
Ans: Gourav, Based on extensive analysis of placement data, fee structures, and institutional performance, UPES Dehradun emerges as the more beneficial choice for CSE compared to NMIMS Mumbai. UPES School of Computer Science demonstrates 91% placement rate with over 1,950 students placed in 2024 and achieves 90% placement rate specifically for CSE programs. The institution reports 750+ recruiters participating annually including Microsoft, Amazon, Deloitte, and IBM, with BTech CSE recording 8.59 LPA average package. In contrast, NMIMS Mumbai BTech programs show 62.5% placement rate (233 out of 373 graduates) with median salary of 7.70 LPA. While NMIMS holds stronger NIRF rankings (#101-150 Engineering vs UPES unranked) and offers prestigious brand value, UPES provides superior placement consistency, higher placement percentages, and significantly better cost-effectiveness. The ?30 lakh total cost at UPES versus ?40 lakh at NMIMS represents substantial savings of ?10 lakh while delivering better placement outcomes and industry exposure. UPES also holds QS 5-Star rating for employability and maintains dedicated industry partnerships. Recommendation: Choose UPES Dehradun CSE for superior placement rates, cost-effectiveness, and proven industry connections, unless NMIMS brand value and Mumbai location are absolute priorities. All the BEST for the Admission & a Prosperous Future!

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Sir I am confused about whether to take textile in IIT Delhi or to take civil in some other IITs such as roorkee kanpur or kharagpur. May you guide me in this regards.
Ans: Choosing between Textile Technology at IIT Delhi and Civil Engineering at IITs like Roorkee, Kanpur, or Kharagpur involves weighing institutional prestige against branch-specific opportunities. IIT Delhi Textile Technology demonstrates strong placement performance with 87.69% placement rate and median package of ?20 LPA, benefiting from the institute's #2 NIRF ranking and access to diverse recruiters including Amazon, Microsoft, and Goldman Sachs. The program offers lighter academic workload enabling time for skill development and extracurriculars, with graduates successfully transitioning to consulting, coding, and management roles beyond core textile. In contrast, Civil Engineering at premier IITs shows concerning placement trends with only 57% average placement rate across 13 IITs, significantly lower than institute averages. IIT Roorkee Civil achieved 84% placement rate, IIT Kanpur Civil recorded 69.2% placement, and IIT Kharagpur Civil showed 60% placement in 2023-24. While Civil Engineering offers extensive PSU opportunities through GATE with organizations like ONGC, IOCL, and NPCIL providing ?9-15 LPA packages, the declining core placement trends and 30% lower average salaries compared to institute-wide averages present challenges. Recommendation: Choose Textile Technology at IIT Delhi for superior placement consistency, institutional reputation, metropolitan exposure, and career flexibility, unless specifically passionate about civil infrastructure or committed to government sector careers through PSU pathways. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jun 09, 2025
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Hello Sir, My son has been allotted BTech Electronics and Computer Engineering in SRM KTR but he wants to take CSE. He has got a rank of 24300 in MET and 77300 in VITEEE. Is BTech Electronics and Computer Engineering at SRM KTR worth it? What is your advice?
Ans: Given your son's current options—BTech Electronics and Computer Engineering at SRM KTR, CSE at Manipal Bangalore (MET rank 24,300), and VITEEE rank 77,300—SRM KTR stands out for its strong placement record, A++ NAAC accreditation, and NIRF #13 ranking, with over 980 recruiters and 5,546 offers in 2024, including top tech firms like Amazon, Microsoft, and IBM. The Electronics and Computer Engineering program at SRM integrates electronics and computing, offering broad career opportunities in both hardware and software sectors, and is designed to meet evolving industry demands. At your son's MET and VITEEE ranks, CSE at Manipal Bangalore main campus and VIT Chennai CSE are not feasible, as CSE cutoffs at these institutions typically close below 5,000–20,000. The SRM Electronics and Computer Engineering degree thus provides a versatile foundation with good placement prospects, especially for students open to both software and electronics careers. If your son is set on CSE alone, he may consider management quota or explore other private colleges, but accepting SRM KTR’s offer is a strong, industry-aligned choice given the current options.
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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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