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Should I Change My Mutual Funds? A 50-Year-Old Investor Seeks Expert Advice

Milind Vadjikar |974 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 06, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Asked by Anonymous - Oct 06, 2024Hindi

Money

Hello Sir, Hope this mail finds you well ! I have SIP's as follows : Parag P Flexi Cap - 70K, Canara R FlexiCap-35K, Nippon MultiCap-30K, Nippon Pharma-10K, Nifty BeeS ETF-75K, Nifty Gold ETF - 5K, NPS Tier 2-30K, Tier 1- 5K. Additionally I have STP from Liquid funds into Kotak Emerging Equity - 30K, Axis Small Cap - 30K. Are these MF's, ETF & NPS plan good in terms of investments ? Do I need to change any MF ? How much amount I can expect in the next 10 years if I continue this same investment. What will be the amount if I increase the investment 10% every year ? Also I plan to redeem my investment in UTI Flexicap, Axis BC, Axis Midcap & PGIM Flexicap and reinvest the amount in the above MF's. Please advise. Thanks in advance.

Ans: Hello;

I must admire your commitment and disciplined way of investing.

Your fund choice looks good so NO suggestion for changes.

If you contine this monthly SIP of 3.2 L for the next 10 years you may expect a corpus of 7.1 Cr.

If you decide to top-up this SIP by 10% each year then your corpus would be around 10.25 Cr+.

Yes you should exit these funds(uti flexicap, Axis BC & Midcap, PGIM flexi cap) and redeploy the proceeds into your SIP schemes.

A modest return of 11% considered.

Happy Investing!!

Asked on - Oct 06, 2024 | Answered on Oct 07, 2024

Thanks Sir. Appreciate your prompt response !

Ans: You are most 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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Head, Rank MF - Answered on Apr 11, 2022

Question by Ajju - Apr 11, 2022Hindi

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I have made the following investments in Mutual Funds recently. Please let me know if it is good to go. Also please let me know if i can increase the SIP Amount over and above the below mentioned amount. My aim is Long Term. Fund Name Plan Initial Investment SIP-Monthly Axis Small Cap Fund Growth 5,000.00 3,000.00 Canara Robeco Bluechip Equity Fund Growth 5,000.00 3,500.00 HDFC Index Sensex Plan-Growth 5,000.00 3,500.00 Paragh Parikh Flexi Cap Fund Growth 5,000.00 5,000.00

Ans: Funds are very good, please continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 13, 2022

Question by Navdeep - Oct 13, 2022Hindi

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Sir, request your kind advice and guidance on this please. My age is 46 years and I am expecting corpus of Rs 1 Cr in 10 years. I have read your unbiased views on various queries from MF investment enthusiasts. Your feedback has been very impressive and really helps people like us. My heartfelt gratitude and thanks for the same. Sir, I have following mutual fund SIPs and I would seek your guidance on whether these are OK, or any course correction required. LUMP SUMP INVESTMENTS split as below. Aditya Birla Sun Life Focused Equity Fund - Gr in March 2022 value Rs 62434. Current value is Rs 59218 Axis Growth Opportunities Fund - Gr in March 2022 value Rs 62122. Current value is Rs 57015 Edelweiss Arbitrage Fund - Gr in April 2021 value Rs 45567. Current value is Rs 47660 L&T Arbitrage Opportunities Fund - Gr in July 2021 value Rs 65730. Current value is Rs 69077 Nippon India Arbitrage Fund - Gr in July 2021 value Rs 49595. Current value is Rs 51859 SIP: Total monthly SIP of Rs 25000, split as below: Axis Bluechip Fund - Gr, monthly investment Rs 2500 Axis Focused 25 Fund - Gr, monthly investment Rs 2000 Canara Robeco Flexi Cap Fund - Gr, monthly investment Rs 2000 Edelweiss Mid Cap Fund - Regular Gr, monthly investment Rs 5000 Invesco India Contra Fund - Gr monthly investment Rs 2000 Kotak Emerging Equity Fund - Gr, monthly investment Rs 2000 Kotak Flexicap Fund - Gr, monthly investment Rs 2500 L&T Midcap Fund - Gr, monthly investment Rs 5000 SBI Flexicap Fund - Gr, monthly investment Rs 2000 Total portfolio amount as on date is Rs 14 lakh.

Ans: Funds are good, please continue, don’t increase funds; if you need to top up, do in the existing schemes.

Sanjeev Govila |458 Answers |Ask -Follow

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Asked by Anonymous - Jun 16, 2023Hindi

Money

Hello Sir, I am investing the following in MF SIP's every month. 3000-Axis Small cap, 50000 - Canara Robeco Bluechip, 30000 - Canara Robeco Flexicap, Parag Parikh Flexicap - 30000, 10000 - Nippon Pharma, 5000-Kotak Emerging Equity, 30000 - PGIM Flexicap, 20000 - UTI Flexicap. Are these funds good for long term investment, 5-10 years. How much amount can I expect from this investment. Please advise. Thanks Sir !

Ans: Your portfolio is a mix of different category of mutual funds like large-cap, mid-cap, small-cap, and thematic funds which indicates you have well diversified your portfolio. Diversification can help reduce risk and improve the potential for returns.

Investment for long term in equity funds gives good return. We suggest you to stay invested for 5-10 years and you can expect 12-14% CAGR from your portfolio while in the short term you may see volatility as expected of equity investments.

However it is essential to keep reviewing your portfolio periodically and track the performance of particular mutual funds and make adjustments if required.

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

Question by Sidha - Nov 27, 2023Hindi

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I have the following SIP investments in the below Mutual Fund plans . Please advise if I should change any ? Also ,Please advise where can I put an additional 20k per month for more investment?[SA] Quant MIdCap Direct growth Fund 5025 Quant Large and Midcap Direct Fund Growth 2025 SBI Magnum Midcap Direct Plan Growth 3001 Quant Active Direct Fund Growth 4001 Axis Nift Smallcap 50 index direct plan growth 3501 HDFC Small cap direct Plan growth 2501 ICICI Prudential BHARAT 22 FOF Direct Plan growth 5003 SBI Large and Midcap direct plan growth 3004 Nippon india Small cap Direct plan growth 5006 Quant small plan direct plan growth 3010 Quant multi assest direct plan growth 2010 ICICI Prudential Bluechip Direct plan Growth 2110

Ans: Optimizing Your SIP Investments for Long-Term Growth
With a diverse portfolio of SIP investments, it's essential to periodically review and adjust your holdings to ensure they remain aligned with your financial goals and risk tolerance. Let's evaluate your current SIP investments and explore opportunities for additional investment to enhance your portfolio's growth potential.

Reviewing Current SIP Investments
Your current SIP investments cover a wide range of fund categories, including mid-cap, large-cap, small-cap, and multi-asset funds. This diversification is beneficial for spreading risk and capturing growth opportunities across different market segments.

Analyzing Fund Performance and Suitability
While each fund serves a specific purpose in your portfolio, it's essential to evaluate their performance relative to their benchmarks and peer group. Consider factors such as historical returns, expense ratios, and fund manager expertise when assessing their suitability for your investment objectives.

Identifying Potential Changes
Based on your investment horizon, risk tolerance, and financial goals, consider the following factors when determining whether to make changes to your SIP investments:

Underperforming Funds: Review funds that consistently underperform their benchmarks or fail to meet your expectations. Consider replacing them with better-performing alternatives.

Overlapping Holdings: Identify any overlapping holdings across funds and consolidate your investments to avoid duplication and streamline your portfolio.

Risk Management: Assess the overall risk profile of your portfolio and make adjustments to ensure it aligns with your risk tolerance and investment objectives.

Exploring Additional Investment Opportunities
With a surplus of Rs. 20,000 per month available for investment, consider allocating these funds to further diversify your portfolio and capitalize on growth opportunities. Explore the following options for additional investment:

Sector-Specific Funds: Consider investing in sector-specific funds to capitalize on emerging trends and opportunities in specific industries or sectors.

International Funds: Diversify your portfolio geographically by investing in international funds that provide exposure to global markets and currencies.

Debt Funds: Balance your portfolio by investing in debt funds, which offer stable returns and act as a hedge against market volatility.

Seeking Professional Advice
Given the complexity of portfolio management and the dynamic nature of financial markets, consider consulting with a Certified Financial Planner to receive personalized advice tailored to your specific financial situation and goals. A professional can help you optimize your portfolio, identify suitable investment options, and navigate market uncertainties effectively.

Conclusion
Girish, by reviewing your current SIP investments, identifying potential changes, and exploring additional investment opportunities, you can optimize your portfolio for long-term growth and wealth accumulation. With guidance from a Certified Financial Planner, you can navigate the investment landscape with confidence and work towards achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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NEET, Medical, Pharmacy Careers - Answered on Feb 05, 2025

Asked by Anonymous - Dec 04, 2024Hindi

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Hello Sir, my daughter is in class 12 and has taken PCB. She is expecting 80-85 percetage in board exams. She wants to go to USA yo pursue her medical. We are very middle class family. Can you suggest good colleges and the expenses ? And also please tell us if she can get any scholarship for the same

Ans: Hi Sir,

Your query is quite unique. Your daughter wants to pursue medicine in the US specifically, rather than in other countries. One important consideration is whether she plans to return to India after completing her studies, which is likely not the case.

If she chooses to return to India, she will need to obtain eligibility through the NEET exam, which is required for most countries, with some uncertainty regarding the US. If she decides to pursue her medical education in the US, I recommend that she completes the USMLE (United States Medical Licensing Examination). Successfully completing the USMLE will make her eligible to practice medicine in the US.

State universities are the best options and require visiting their websites for scholarship information.

Milind Vadjikar |974 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 05, 2025

Question by Prashant - Jan 28, 2025Hindi

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I require to calculate pension from EPFO. As per EPFO formula "=Average monthly salary of last 60 months x nos of years service/70 ". Max cap on Average salary is Rs 15000. I calculate the average monthly salary as "total of last 60 months salary / 60 "= 20000, which is kept at max. cap and considered as 15000 EPFO. While EPFO office first makes all salaries greater than 15k, to 15k, then calculates the average. Hence I get less than 15000. I did not find any clarification on the EPFO website. Please give me correct guideline as per EPFO

Ans: Hello;

There is pension calculator feature on the EPFO portal.

You may use to ascertain your likely monthly pension.

Best wishes;

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by H - Feb 01, 2025Hindi

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Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative

Ans: Understanding Balanced Advantage Funds

Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

Recent Performance Insights

It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

Factors Influencing Performance

Several elements can affect your fund's performance:

Market Volatility: Changes in the market can impact returns.

Asset Allocation: The mix of equity and debt plays a role.

Interest Rate Changes: Fluctuations can influence debt investments.

Economic Indicators: Factors like inflation and GDP growth are important.

Evaluating Fund Performance

To assess your fund's performance:

Compare with Benchmarks: See how it measures up against standard indices.

Review Historical Returns: Look at past performance over different periods.

Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

Staying the Course

It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

Consulting a Certified Financial Planner

For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

Final Thoughts

Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by Neha - Jan 21, 2025Hindi

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Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?

Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

1. Incorrect or Late Submission of Form 15H
Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
Ensure the form is submitted separately to each bank, post office, or financial institution.
2. Exceeding the Basic Exemption Limit
For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
3. Form 15H Validity Rules
Form 15H is only valid if total taxable income is below the exemption limit.
If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
4. Different TDS Thresholds for Investments
Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
Government securities may also have TDS rules based on the issuing authority.
5. PAN Not Updated with the Bank/Post Office
If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
Ensure all investments have PAN updated to avoid excess TDS.
6. Errors in Tax Deduction System
Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
In such cases, she can file an ITR and claim a refund from the Income Tax Department.
What to Do Now?
Check total taxable income to confirm if she qualifies for Form 15H.
Verify all Form 15H submissions with banks and post offices.
Ensure PAN is updated in all financial institutions.
If TDS is wrongly deducted, file an ITR and claim a refund.
Would you like help with checking if she is eligible for a refund?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Oct 18, 2024Hindi

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Hello, I worked in 2 firms, 1st for 10 months & 2nd for 7 months, I've accumulated nearly 10000 in my pension contribution. Is there a way to withdraw at age of 23?

Ans: Pension Withdrawal at Age 23

Pension funds are meant for long-term savings.
Most schemes do not allow early withdrawal.
Exceptions occur only in severe emergencies.
Check your scheme rules for any special provisions.
Consult with a Certified Financial Planner for advice.
Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

Money

My sister wants give Rs.49lakhs to purchase a land in 2024-25 to construct house later transaction will be through bank only whether gift tax is to be paid? is so who has to pay

Ans: There is no gift tax in India, but the amount received as a gift is taxed under the Income Tax Act, 1961 as "Income from Other Sources" unless exempted.

Tax Implications on Gift from Sister
Gifts from specified relatives (including a sibling) are fully exempt from tax under Section 56(2)(x) of the Income Tax Act.
Since your sister is a specified relative, the Rs. 49 lakhs gift will be tax-free in your hands.
Your sister will also not have to pay any tax on the gifted amount, as India does not have a separate gift tax.
Important Points to Ensure Tax Compliance
The transaction should be done through a bank transfer to maintain a proper record.
A gift deed is recommended (on stamp paper) to legally document the transaction.
There are no tax deductions for the giver, meaning your sister cannot claim this gift as an expense.
Final Answer
No gift tax is applicable since the amount is received from a sister.
You do not have to pay income tax on the received gift.
Your sister will also not have any tax liability on gifting the amount.
Let me know if you need more clarification!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 03, 2025Hindi

Money

How much tax I need to pay on LIC Jeevan saral maturity amount.

Ans: LIC payout includes the sum assured and bonus.
Tax rules follow Section 10(10D) of the Income Tax Act.
If the premium is within limits, the payout is tax-free.
Excess premium results in taxable gains added to your income.
Final Insights

Review your policy details carefully.
Seek advice from a Certified Financial Planner.
Consider surrendering poor policies and reinvesting in mutual funds via an MFD.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by - Jan 03, 2025Hindi

Money

My son is a Singapore citizen. He has a flat in his name in Co-op. Hous. Soc. in Navi Mumbai purchased in 2005. He wants to sell it. Will you please suggest ways to repatriate the proceeds with least tax implications?

Ans: Selling property in India as a non-resident involves several steps. It's important to follow these steps to ensure compliance with Indian laws and to minimize tax liabilities. Here's a detailed guide to assist your son:

1. Understanding Capital Gains Tax

Long-Term Capital Gains (LTCG): Since the property was purchased in 2005 and is being sold now, it qualifies as a long-term asset. LTCG is taxed at 20% for non-resident Indians (NRIs).

Indexation Benefit: This benefit adjusts the purchase price for inflation, reducing taxable gains.

2. Tax Deducted at Source (TDS) Obligations

TDS Rate: The buyer must deduct TDS at 20% on LTCG for NRIs. Ensure the buyer complies with this requirement.

3. Repatriation of Sale Proceeds

NRO Account: Deposit the sale proceeds into a Non-Resident Ordinary (NRO) account.

Repatriation Limit: NRIs can repatriate up to USD 1 million per financial year from their NRO account, provided all taxes are paid.

4. Documentation for Repatriation

Tax Clearance: Obtain a certificate from a Chartered Accountant in Form 15CB.

Bank Procedures: Submit Form 15CA to the bank. These forms confirm that taxes have been paid.

5. Tax Exemptions to Reduce Liability

Section 54: Invest LTCG in another residential property in India within specified timelines to claim exemption.

Section 54EC: Invest in specified bonds within six months of sale to avail exemption. The maximum investment limit is Rs 50 lakhs.

6. Currency Exchange Considerations

Exchange Rate: The prevailing exchange rate at the time of repatriation will apply.

Bank Charges: Be aware of potential charges during the transfer process.

7. Professional Consultation

Certified Financial Planner: Consult a Certified Financial Planner to navigate the complexities of taxation and repatriation.

By following these steps, your son can efficiently manage the sale and repatriation process, ensuring compliance and minimizing tax liabilities.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Anu Krishna |1494 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

Relationship

I have been married for more than 3 weeks. And I don't like my husband. I didn't like him before the marriage and it was very clear to my family tht I didn't like him. But my parents forced me to get married to him and it was my fault tht I couldn't prioritise my feelings. I considered what would happen to them if I called off the engagement. And after being married I have been more than depressed. My parents keeps telling what I should do. I don't let him touch me since I don't like him I asked him for some time and on the 2nd day he made a huge issue in my family telling them that I don't let him touch me. I started to resent him after this. Everyone around me keeps on telling Me that he will go abroad in 2 weeks so I should do whatever a wife does. it's been 3 weeks and continuous arguments. I'm so sad. I'm scared of what would happen if I leave this marriage. I can't stay in my own family because they would treat me so bad. I would have to stay alone. Thinking about the uncertain future and consequences am not able to do anything. Am stuck in this miserable situation.

Ans: Dear Anonymous,
For sure, it's difficult to be physically intimate with someone that you do not fancy and he is being silly in making this public. Rather than winning you over, he's making it a public issue to gain sympathy which his highly immature.
Now, I am going to give you an example that you may not like.
Eg: You have to live in Japan for 2 years and you do not like that cuisine. But eventually you realize that 2 years is a long time and then you actually start enjoying the food by looking at what's nice in it; healthy, light, good on the heart etc.

It's the same here. You may have gotten forced into the marriage. But it's just 3 weeks. Give it time...NO, you do not have to engage in any physical intimacy with him right away; but at least try to get to know him...maybe someday you might start to appreciate his good qualities, yeah? See, if this is possible in the short time that you have...it's just about having an open mind. Marriages are easy to break, think hard on this one.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1494 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 23, 2025Hindi

Relationship

Hi I am 40 year old lady. I have two daughters 13 and 8year old. My husband working with a good organization and earning not bad. But he doesn't want to give money to me. He never give me budget amount for home. He takes charges for everything. A small amount of Rs.5000 he gives me for my personal expenses and want me to do everything with that even when children want anything that as well. Always irritating, commenting shouting, never support me in any case. I m educated and working before I gave birth to my elder one but I left it due to unavailability of people at home to take care her. Whenever I talk about my career, liking and interest he is least bother. Total negative energy everywhere. Children are also irritating but they need both. I am confused what to do? How ti handle it and how to save my children from this negativity

Ans: Dear Anonymous,
Maybe it's time for you to revive your work life. That will give you a sense of financial independence and also you will be able to spend money on things that you feel like. It will also rekindle your confidence. Find some help at home so that the children are taken care of OR work from home. This will open up a lot of possibilities for you.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

See more questions »

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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