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Ramalingam Kalirajan |6971 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 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

Asked by Anonymous - Mar 23, 2023Hindi

Hello Sir, I am 43 yrs of age and following is the list of my MF holdings which are all 15 Months Plus......Can you pls advice me if I should continue to remain Invested in the same or should I change any of these....I am looking at an aggressive and high return Funds in the next 3 Years....Also one very important point is all my Investments are thru an Agent, do you suggest i shud withdraw them all and go for Direct Plans.....Pls advice - SIP Details - CANARA ROBECCO EMERGING EQUITIES FUND – 10000 PGIM INDIA MID CAP OPPORTUNITIES FUND – 5000 ICICI PRUDENTIAL TECHNOLOGY FUND – 4000 SBI FOCUSED EQUITY FUND – 6000 QUANT ACTIVE FUND – 10000 MIRAE ASSET LARGE CAP FUND – 10000 INDIA INFOLINE - 5000 LUMPSUM Details - PGIM INDIA MID CAP OPPORTUNITIES FUND – REGULAR GROWTH – 3 LACS K1155 - KOTAK MULTICAP FUND – REGULAR PLAN GROWTH – 3 LACS AXIS MULTICAP FUND REGULAR PLAN GROWTH – 3 LACS IIFL FOCUSED EQUITY FUND – 4 LACS UTI FLEXI CAP FUND – 2.5 LACS MIRAE ASSET LARGE CAP FUND – 3 LACS LIC MF LARGE AND MID CAP FUND – 4 LACS CANARA ROBECCO BLUE CHIP EQUITY FUND – 3 LACS QUANT ACTIVE FUND – 2.5 LACS PARAG PARIKH FLEXI CAP FUND – 2.5 LACS

Ans: Let's analyze your portfolio and provide recommendations based on your aggressive investment stance and the desire for high returns over the next three years.

Portfolio Review:

You have a well-diversified portfolio with exposure to various equity categories, which is a good approach for long-term growth. Given your aggressive stance, let's assess your holdings:

Equity Funds:
You have exposure to large-cap, mid-cap, focused equity, technology, and flexi-cap funds. This diversification can potentially balance risk and return, but you might consider focusing more on aggressive funds for higher growth.
Direct vs. Regular Plans:
Investing through an agent (Regular Plans) involves a higher expense ratio due to commissions. While Direct Plans can reduce costs, your relationship with a trusted Mutual Fund Distributor (MFD) who provides personal emotional support can add value beyond just financial advice.
Recommendations:

Continue with Regular Plans through a Trusted MFD:
Given your aggressive stance and the emotional support you receive from your MFD, continuing with Regular Plans through your trusted MFD can align well with your investment goals. A supportive MFD can offer personalized advice, emotional reassurance, and keep you informed about market developments.
Focus on Aggressive Funds:
Emphasize funds with a proven track record of aggressive growth and high returns. Your MFD can help identify and recommend funds that align with your risk appetite and investment horizon.
Periodic Reviews with Emotional Support:
Schedule regular reviews with your MFD to evaluate your portfolio's performance and make necessary adjustments. A supportive MFD can offer emotional support during market fluctuations, helping you stay disciplined and confident in your investment decisions.
Build a Strong Relationship with Your MFD:
Embrace the relationship with your MFD who understands your financial goals, concerns, and provides emotional support. A strong relationship can enhance your investment experience, making it more reassuring and enjoyable.
Conclusion:

Given your aggressive stance and the importance of emotional support in your investment journey, continuing with Regular Plans through your trusted MFD seems suitable. Focus on aggressive funds, maintain regular reviews with your MFD, and nurture your relationship with them for personalized advice and emotional reassurance. Remember, investing is not just about numbers; it's about peace of mind, trust, and confidence in your investment decisions. Embrace this journey with your MFD by your side, and may your investments flourish over time.

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