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Ulhas

Ulhas Joshi  |279 Answers  |Ask -

Mutual Fund Expert - Answered on Jun 11, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Prateek Question by Prateek on Jun 08, 2024Hindi
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Hello Sir, I want to invest 30k per month in MF was planning to do it in Flexi , Mid , Small with 10k each for next 10-15 years. Can you please tell me if this is the right approach or should i divide the 10k amount as well ,i.e. 5k each of 2 flexi cap , 5k each of 2 mid cap , 5k each of small cap. Or should I invest in other type of MF as well ?Also can you also please suggest the MF.

Ans: Hello & thanks for writing to me. As your goal is long term, equity funds will be a suitable option.

You can consider investing in a mix of Flexi Cap, Mid Cap & Small Cap funds 2 schemes in each category thru SIP's.

Stepping up your SIP every year will help you create a larger corpus.
Asked on - Jun 14, 2024 | Not Answered yet
Thanks Sir, can you please suggest MF of each category which I can consider. Will there be any issue of portfolio overlap ?
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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Milind

Milind Vadjikar  |455 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 16, 2024

Asked by Anonymous - Oct 16, 2024Hindi
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Hi Milind,I am 37 years and in a position to invest 1.4L per month in MF and have the below allocation. Can you please advise if the below looks fine? I am just starting to invest in MF for the 1st time and looking to accumlate 5 Cr in 10 years and use this to pay off home loans and personal loans in 3 years time with corpus of 1 Cr.What would be required to reach 1 Cr in 3 years? Please review the below MF and do recommend any changes as I will be able to invest heavily in those. 1.Small Cap - Quant (30K) 2.Mid Cal - Motilal Oswal (20K) 3.Large Cap - ICICI Prud Bluechip (20K) 4.Flexi Cap - PPFAS (30K) 5.Contra - SBI (20K) 6.Multi Cap - Nippon (20K)
Ans: Hello;

For getting 1 Cr in 3 years you may to increase monthly SIP amount to 2.4 L.

Else with the current monthly SIP of 1.4 L you may need 5 years to reach target of 1 Cr to pay off your loans.

Also for 5 Cr corpus target in 10 years you have two options top-up monthly sip of 1.4 L by 11% minimum each year upto 10 years.(After finishing 1 Cr target in 3/5 years)
Or
Do a flat monthly SIP of 2 L for 10 years.

Coming to your fund portfolio, I recommend the following:

1. PPFAS flexicap fund: 30 K
2. ICICI Pru Bluechip fund: 30 K
3. Motilal Oswal Midcap fund: 20 K
4. Nippon India Small cap fund: 20 K
5. ICICI Pru Value Discovery fund: 20 K
6. SBI Technology Opportunities Fund: 20 K

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

..Read more

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Pushpa

Pushpa R  |11 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Oct 17, 2024

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I am a diabetic with HbA1C 7.4. I feel very sleepy after the breakfast, which I take around 10-10:30 AM. Also, I feel not so fresh when I get up in the morning. Infact getting up in the morning is a struggle. I generally sleep around 11 PM. How to avoid this sluggishness during the day. I do regular exercise Yoga or Walk for 30 min atleast 5 times a week. I have a feeling that I am becoming hypoglycemic during the night and that is what causing this sleepiness during the day. Quality of night sleep is reasonably ok. However, I get once during the night for urination. Please advise on my condition.
Ans: Feeling sleepy after breakfast and struggling to wake up in the morning can be linked to several factors, especially in diabetics. Here are some insights and tips to help manage your symptoms:

Possible Nocturnal Hypoglycemia: If your blood sugar drops during the night, it can affect the quality of your sleep and lead to morning sluggishness. You could try having a glass of milk before bed to help maintain blood sugar levels overnight. Consult your doctor to monitor glucose levels more closely.

Post-Breakfast Sleepiness: The type of breakfast you have might be causing a blood sugar spike, followed by a crash. Opt for a balanced meal with complex carbs, protein, and fiber to prevent rapid sugar fluctuations. Avoid sugary or processed foods that can cause drowsiness.

Sleep Quality and Schedule: Although you sleep around 11 PM, if your sleep quality is compromised (like waking up for urination), it may not be fully restorative. Try to reduce fluid intake an hour before bed, and consult a healthcare professional to address frequent urination.

Morning Exercise: Doing yoga or walking earlier in the day, particularly in the morning, can boost your energy levels and reduce daytime sluggishness.

Check with a Doctor: It’s important to discuss the possibility of hypoglycemia and other metabolic factors with your doctor, especially considering your diabetes and HbA1C levels. Adjusting your medication, diet, or routine may be necessary.

Combining balanced meals, consistent exercise, and good sleep hygiene should help reduce the sluggishness you're experiencing during the day.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...Read more

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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