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Ramalingam Kalirajan |4329 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 18, 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

Question by Kotte on May 12, 2024Hindi

Hello sir Iam 59 yrs old and my investments in smallcase is as follows. 1.Equity &Gold-SIP(?440) 2.Top 200 stocks- Lumpsum(?3059) 3.All weather investing-Lumpsump(?2696) 4.PSU banks for sip-SIP(? 8155) Kindly advice whether it is worth to continue. Thankyou Regards Venkatesh

Ans: Your proactive approach towards investing reflects a strong commitment to securing your financial future, which is admirable at your age.

Assessing Your Investment Portfolio
Analysis:
Equity & Gold SIP:

Regular investment in equity and gold SIPs can provide long-term wealth accumulation potential, especially considering the inflationary pressures.
Top 200 Stocks & All-Weather Investing:

Lumpsum investments in top-performing stocks and all-weather strategies suggest a strategic approach towards wealth creation and risk management.
PSU Banks SIP:

SIPs in PSU banks indicate a preference for dividend-paying stocks with potential for capital appreciation, aligning with your investment objectives.
Advantages and Considerations
Assessment:
Diversification:

Your portfolio exhibits diversification across asset classes and investment strategies, which can mitigate risk and enhance returns over the long term.
Risk Management:

Investments in equity, gold, and PSU banks offer diversification and potential for growth, but it's essential to monitor market conditions and adjust your portfolio accordingly.
Recommendation for Portfolio Review
Analysis:
Portfolio Performance Review:

Consider conducting a periodic review of your investment portfolio to assess performance, rebalance asset allocation, and ensure alignment with your financial goals.
Risk Management Strategies:

Evaluate the risk-return profile of your investments and consider strategies to mitigate downside risk, especially given your proximity to retirement age.
Professional Guidance:

Consult with a Certified Financial Planner to evaluate your portfolio's performance, identify potential areas for improvement, and fine-tune your investment strategy based on your age and financial goals.
Conclusion
While your current investment portfolio demonstrates a diversified approach towards wealth creation, it's prudent to periodically review and adjust your strategy to ensure it remains aligned with your financial objectives. With careful monitoring and professional guidance, you can navigate market fluctuations and secure a comfortable financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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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Question by Chaitanya - May 30, 2022Hindi

I am 42. Up to now I have very little investment. One and half years back I started following SIP and lump sum investment in MF along with I have mediclaim policy for 10 lakh for my family. 1. Axis Midcap Fund regular growth: 1500 per month 2. Kotak Emerging equity fund growth (Regular): 1500 per month 3. SBI small cap fund regular growth: 2000 pre month 4. Canara robeco emerging Equities regular growth: 2000 per month 5. SBI balanced advantage fund regular growth: 1,50,000 Lump Sum 6. Kotak balanced AF Regular growth: 1,50,000 Lump Sum\ 7. Canara Robeco Ultra short term fund regular growth: 1,00,000 Lump sum 8. Kotak Saving Fund GRowth regular: 1,00,000 Lump Sum 9. UTI floater fund regular growth: 1,00,000 Lump SUm 10. Rs. 30,000 Shares Of Reliance Industries for long term 11. Rs. 25,000 Shares of Tata Motor for the long term. 12. Sukanya Samrudhi Account: 4000 per month All funds are in negative now. All this investment I have made for the long term. I want to know your expert advice if I should continue with this portfolio as all SIPs and MFs are regular and all SIPs are small cap funds.

Ans: Please continue

I have only one daughter; she is 10. So apart from this I want to invest additional 5000 per month SIP for at least 10 years for her higher education. Kindly guide me for direct SIP looking at my age and purpose.

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