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Ramalingam

Ramalingam Kalirajan  |10231 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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
Rajneesh Question by Rajneesh on Sep 11, 2023Hindi
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Hello Hardik ji, hope you’re doing good. I have the following MFs running (except SBI, all are barely 6 months old) for which I want your advice and guidance on change of scheme or reshuffling of amount or whatever. SBI Contra: 15k per month SBI Small Cap: 20k per month SBI Equity Hybrid: 5k per month Quant Small Cap: 25k per month Quant Mid Cap: 10k per month Quant Flexi Cap: 8k per month Tata Digital India Fund: 12k per month Nippon India Growth: 5k per month Nippon India Nifty Smallcap 250: 2.5k per month Parag Parikh Flexi Cap: 7k per month Motilal Oswal Nasdaq 100: 5k per month ICICI Technology: 5k per month ICICI Transportation & Logistics Fund: 2.5 k per month HDFC Transportation & Logistics Fund: 5k per month UTI Flexi Cap: 5k per month Total investment: 1.34 Lac per month My goal is to create a corpus of about 3 cr in next 7 yrs. please suggest if I’m on the right track. Recently I did the portfolio balancing and terminated Axis MF schemes as they were not yielding good returns. Btw, my existing investments in MFs have already created a corpus of 30L.

Ans: It's great to see your proactive approach to investing in mutual funds. Your diversified portfolio reflects a mix of large-cap, mid-cap, small-cap, sectoral, and international funds, which is a good strategy for potential growth. However, it's essential to periodically review your portfolio to ensure it remains aligned with your financial goals and risk tolerance.

Here are a few suggestions:

Consolidation: With such a large number of funds, consider consolidating your holdings to reduce complexity and streamline your portfolio. Focus on high-performing funds with strong track records and consistent returns.
Risk Management: Given your goal to create a corpus of 3 crores in 7 years, ensure that your portfolio reflects an appropriate balance between growth potential and risk. Consider rebalancing your allocation towards funds with proven performance and lower volatility.
Regular Monitoring: Keep a close eye on the performance of your funds and be prepared to make adjustments as needed. If any funds consistently underperform or fail to meet your expectations, consider replacing them with better-performing alternatives.
Goal Alignment: Continuously assess whether your investment choices are in line with your financial goals, time horizon, and risk appetite. Adjust your strategy accordingly to ensure you're on track to achieve your target corpus of 3 crores.
Overall, it seems like you're on the right track with your investments, but a periodic review with the help of a Certified Financial Planner can provide valuable insights and ensure your portfolio remains optimized for achieving your financial goals. Keep up the good work and stay focused on your long-term objectives!
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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Hello Dev ji, hope you’re doing good. I have the following MFs running (except SBI, all are barely 6 months old) for which I want your advice and guidance on change of scheme or reshuffling of amount or whatever. SBI Contra: 15k per month SBI Small Cap: 20k per month SBI Equity Hybrid: 5k per month Quant Small Cap: 25k per month Quant Mid Cap: 10k per month Quant Flexi Cap: 8k per month Tata Digital India Fund: 12k per month Nippon India Growth: 5k per month Nippon India Nifty Smallcap 250: 2.5k per month Parag Parikh Flexi Cap: 7k per month Motilal Oswal Nasdaq 100: 5k per month ICICI Technology: 5k per month ICICI Transportation & Logistics Fund: 2.5 k per month HDFC Transportation & Logistics Fund: 5k per month UTI Flexi Cap: 5k per month Total investment: 1.34 Lac per month My goal is to create a corpus of about 3 cr in next 7 yrs. please suggest if I’m on the right track. Recently I did the portfolio balancing and terminated Axis MF schemes as they were not yielding good returns. Btw, my existing investments in MFs have already created a corpus of 30L.
Ans: It's great to see you taking proactive steps towards managing your investments. Your diversified portfolio reflects a well-thought-out approach towards wealth creation. However, with a goal of accumulating 3 crores in the next 7 years, it's crucial to periodically review and rebalance your portfolio. Consider focusing on funds with a proven track record of consistent performance aligned with your risk tolerance and investment goals. Additionally, ensure that your portfolio reflects a balanced mix of equity and debt funds to mitigate risks effectively. Remember, the key to successful investing lies in staying informed, disciplined, and adaptable to changing market dynamics. Keep monitoring your investments regularly and don't hesitate to seek professional guidance when needed. Wishing you all the best on your financial journey!

..Read more

Ramalingam

Ramalingam Kalirajan  |10231 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2024

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Hello Ulhas, hope you’re doing good. I have the following MFs running (except SBI, all are barely 6 months old) for which I want your advice and guidance on change of scheme or reshuffling of amount or whatever. SBI Contra: 15k per month SBI Small Cap: 20k per month SBI Equity Hybrid: 5k per month Quant Small Cap: 25k per month Quant Mid Cap: 10k per month Quant Flexi Cap: 8k per month Tata Digital India Fund: 12k per month Nippon India Growth: 5k per month Nippon India Nifty Smallcap 250: 2.5k per month Parag Parikh Flexi Cap: 7k per month Motilal Oswal Nasdaq 100: 5k per month ICICI Technology: 5k per month ICICI Transportation & Logistics Fund: 2.5 k per month HDFC Transportation & Logistics Fund: 5k per month UTI Flexi Cap: 5k per month Total investment: 1.34 Lac per month My goal is to create a corpus of about 3 cr in next 7 yrs. please suggest if I’m on the right track. Recently I did the portfolio balancing and terminated Axis MF schemes as they were not yielding good returns. Btw, my existing investments in MFs have already created a corpus of 30L.
Ans: Let's review your current mutual fund portfolio and assess whether it aligns with your goal of creating a corpus of Rs 3 crore in the next 7 years.

Current Portfolio Overview

Your current monthly investments total Rs 1.34 lakh across various mutual funds:

SBI Contra: Rs 15,000
SBI Small Cap: Rs 20,000
SBI Equity Hybrid: Rs 5,000
Quant Small Cap: Rs 25,000
Quant Mid Cap: Rs 10,000
Quant Flexi Cap: Rs 8,000
Tata Digital India Fund: Rs 12,000
Nippon India Growth: Rs 5,000
Nippon India Nifty Smallcap 250: Rs 2,500
Parag Parikh Flexi Cap: Rs 7,000
Motilal Oswal Nasdaq 100: Rs 5,000
ICICI Technology: Rs 5,000
ICICI Transportation & Logistics Fund: Rs 2,500
HDFC Transportation & Logistics Fund: Rs 5,000
UTI Flexi Cap: Rs 5,000
Portfolio Assessment and Recommendations

Diversification:

Your portfolio appears well-diversified across various categories, including large-cap, mid-cap, small-cap, flexi-cap, sectoral, and thematic funds. Diversification helps spread risk and potentially enhance returns.
SBI Funds:

SBI Contra and SBI Small Cap funds are suitable choices for long-term wealth creation. However, ensure that you have a high-risk tolerance due to the volatility associated with small-cap stocks.
SBI Equity Hybrid Fund provides a balanced approach with exposure to both equity and debt instruments, suitable for investors seeking moderate risk.
Quant Funds:

Quant Small Cap and Quant Mid Cap funds focus on companies with smaller market capitalizations, which can offer high growth potential but also higher volatility. Monitor these funds closely due to their aggressive nature.
Quant Flexi Cap provides flexibility in asset allocation, offering exposure to both large and mid-cap stocks. It can complement your portfolio's diversification.
Other Funds:

Sectoral and thematic funds like Tata Digital India, Motilal Oswal Nasdaq 100, ICICI Technology, and transportation & logistics funds concentrate on specific sectors or themes. While these funds can offer opportunities for outsized returns, they also carry higher risk due to sector-specific fluctuations.
Ensure that the allocation to these funds aligns with your risk appetite and investment horizon.
Overall Strategy:

Given your goal of accumulating Rs 3 crore in 7 years, maintaining a disciplined approach to investing and regularly monitoring your portfolio's performance is crucial.
Consider reviewing your portfolio at regular intervals, at least annually, to rebalance if necessary and ensure alignment with your goals and risk tolerance.
As your investments mature and your financial situation evolves, consult with a Certified Financial Planner (CFP) to refine your strategy and make informed decisions.
Conclusion

Your current mutual fund portfolio exhibits diversification across various fund categories. To stay on track towards your goal of building a Rs 3 crore corpus, continue investing systematically while periodically reassessing your portfolio's performance and making adjustments as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Dec 25, 2023

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Hello Sanjeev ji, hope you’re doing good. I have the following MFs running (except SBI, all are barely 6 months old) for which I want your advice and guidance on change of scheme or reshuffling of amount or whatever. SBI Contra: 15k per month SBI Small Cap: 20k per month SBI Equity Hybrid: 5k per month Quant Small Cap: 25k per month Quant Mid Cap: 10k per month Quant Flexi Cap: 8k per month Tata Digital India Fund: 12k per month Nippon India Growth: 5k per month Nippon India Nifty Smallcap 250: 2.5k per month Parag Parikh Flexi Cap: 7k per month Motilal Oswal Nasdaq 100: 5k per month ICICI Technology: 5k per month ICICI Transportation & Logistics Fund: 2.5 k per month HDFC Transportation & Logistics Fund: 5k per month UTI Flexi Cap: 5k per month Total investment: 1.34 Lac per month My goal is to create a corpus of about 3 cr in next 7 yrs. please suggest if I’m on the right track. Recently I did the portfolio balancing and terminated Axis MF schemes as they were not yielding good returns. Btw, my existing investments in MFs have already created a corpus of 30L.
Ans: Currently, your portfolio is over-diversified in similar AMCs and funds strategies. You have sectoral and thematic funds in your portfolio, which can be risky due to a lack of diversification, higher volatility, dependence on fund managers, and timing sensitivity. We recommend you to rebalance your portfolio and reduce your exposure to similar category funds.

According to the above data, the current ongoing SIP is Rs. 1,34,000, and the total corpus is Rs. 30 Lakhs.

Since you have an equity-oriented portfolio and your ongoing SIPs are invested in equity funds with a long term horizon (7 years), we are assuming a 12% rate of return for the portfolio. According to our calculation, you will accumulate a total corpus of Rs. 2.44 Crore with the current investments of Rs. 30 lakhs and Rs. 1.34 Lakhs SIP after 7 years. To meet your goal, we recommend you to increase your SIP by approx. Rs. 46,000 i.e. a total SIP of Rs. 1,80,000 or make a lump sum investment of Rs. 25 Lakhs at present.

..Read more

Ramalingam

Ramalingam Kalirajan  |10231 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2024

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Hello Hemant, hope you’re doing good. I have the following MFs running (except SBI, all are barely 6 months old) for which I want your advice and guidance on change of scheme or reshuffling of amount or whatever. SBI Contra: 15k per month SBI Small Cap: 20k per month SBI Equity Hybrid: 5k per month Quant Small Cap: 25k per month Quant Mid Cap: 10k per month Quant Flexi Cap: 8k per month Tata Digital India Fund: 12k per month Nippon India Growth: 5k per month Nippon India Nifty Smallcap 250: 2.5k per month Parag Parikh Flexi Cap: 7k per month Motilal Oswal Nasdaq 100: 5k per month ICICI Technology: 5k per month ICICI Transportation & Logistics Fund: 2.5 k per month HDFC Transportation & Logistics Fund: 5k per month UTI Flexi Cap: 5k per month Total investment: 1.34 Lac per month My goal is to create a corpus of about 3 cr in next 7 yrs. please suggest if I’m on the right track. Recently I did the portfolio balancing and terminated Axis MF schemes as they were not yielding good returns. Btw, my existing investments in MFs have already created a corpus of 30L.
Ans: Assessing Your Mutual Fund Portfolio for Future Growth

Current Portfolio Analysis:

Your current mutual fund portfolio reflects a diversified mix of funds across various categories and themes. However, it's essential to evaluate each fund's performance and alignment with your financial goals to ensure you're on the right track.

Evaluation of Fund Choices:

SBI Contra and SBI Small Cap:

SBI Contra aims to invest in undervalued stocks, while SBI Small Cap focuses on small-cap companies. Both can offer growth opportunities but may be more volatile.
Consider reviewing their performance and risk profile periodically.
Quant Funds:

Quant funds use quantitative models for stock selection. These funds can provide a systematic approach to investing but may underperform in certain market conditions.
Assess the consistency of returns and consider whether they align with your risk tolerance.
Sectoral and Thematic Funds:

Tata Digital India, ICICI Technology, Nippon India Nifty Smallcap 250, Motilal Oswal Nasdaq 100, ICICI Transportation & Logistics, and HDFC Transportation & Logistics focus on specific sectors or themes.
While these funds can offer high returns during favorable market conditions, they also carry higher risk due to sector concentration.
Flexi Cap and Flexi-cap Funds:

Parag Parikh Flexi Cap and UTI Flexi Cap provide flexibility to invest across market capitalizations. These funds can adapt to changing market conditions but require active management.
Monitor their performance relative to the benchmark index and peer funds in the category.
Portfolio Adjustment and Future Strategy:

Review and Rebalance:

Regularly review your portfolio's performance against your investment goals and risk tolerance.
Consider rebalancing if any fund underperforms consistently or deviates significantly from its investment objective.
Risk Management:

Given your goal of creating a corpus of Rs. 3 crore in seven years, ensure your portfolio aligns with your risk appetite.
Consider reducing exposure to high-risk funds or sectors to mitigate downside risk.
Focus on Quality:

Prioritize funds with a track record of consistent performance, experienced fund managers, and strong investment processes.
Diversify across asset classes and investment styles to spread risk effectively.
Regular Monitoring:

Continuously monitor market developments, fund performance, and changes in your financial situation.
Stay informed about macroeconomic trends, regulatory changes, and global events that may impact your investments.
Conclusion:

Your existing mutual fund investments have laid a solid foundation for wealth creation, evidenced by the Rs. 30 lakh corpus already accumulated. However, to achieve your target of Rs. 3 crore in seven years, it's crucial to regularly assess and adjust your portfolio based on changing market conditions and your evolving financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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