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Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 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
Tauhid Question by Tauhid on Apr 02, 2024Hindi
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Hello sir , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks

Ans: For a long-term horizon of 8-10 years, your current selection of funds offers diversified exposure across market segments. Consider adding a large-cap or flexi-cap fund to enhance stability and potentially capture growth opportunities. Ensure the new fund aligns with your risk tolerance and investment goals. Regularly review your portfolio and make adjustments as needed to stay on track. Consulting with a financial advisor can provide personalized guidance tailored to your financial situation and objectives.

Best regards,
Ramalingam, MBA, CFP
Chief Financial Planner
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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Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

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

Asked by Anonymous - Mar 25, 2024Hindi
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Hello sir , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks
Ans: Your choice of mutual funds reflects a diversified approach, incorporating a mix of balanced, large-cap, mid-cap, and small-cap funds. Investing through SIPs for a horizon of 8 to 10 years demonstrates a commitment to long-term wealth creation.

To evaluate the suitability of your current funds, consider factors such as historical performance, fund manager expertise, and expense ratios. Additionally, assess whether the funds align with your risk tolerance and investment objectives.

For further diversification and potential growth, you could consider adding a large-cap or flexi-cap fund to your portfolio. These funds typically invest in well-established companies, offering stability and growth potential over the long term.

Before making any investment decisions, it's advisable to consult with a Certified Financial Planner who can provide personalized advice based on your financial situation and goals. Remember, periodic review and adjustments to your portfolio may be necessary to ensure it remains aligned with your objectives and market conditions.

By staying informed and maintaining a disciplined approach to investing, you're well-positioned to achieve your long-term financial goals. Keep nurturing your investments with care, and they're likely to flourish over time.

..Read more

Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hello Ma'am , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks
Ans: Your choice of mutual funds for SIP investments reflects a diversified portfolio covering various market segments. Considering your long-term horizon of 8-10 years, these funds have the potential to deliver favorable returns.

However, it's essential to periodically review your portfolio's performance and ensure it aligns with your investment goals and risk tolerance. Additionally, consider factors like fund performance, fund manager track record, expense ratios, and market conditions when evaluating your investments.

For the additional 10K SIP investment, you may consider adding to existing funds or diversifying further based on your risk appetite and investment objectives. You might explore large-cap equity funds for stability and growth potential or thematic funds aligned with emerging trends if you're comfortable with higher risk.

Consulting a Certified Financial Planner can provide personalized recommendations tailored to your financial goals and help optimize your investment strategy for long-term wealth accumulation. They can also assist in monitoring your portfolio and making adjustments as needed to stay on track towards your objectives.

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Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Hello Ma'am , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks
Ans: Hello,
It's great to see your interest in investing for the long term. Let's review your current mutual fund portfolio and suggest additional options for your increased investment:
1. ICICI Balanced Advantage: This fund follows a dynamic asset allocation strategy, making it suitable for investors looking for a balanced approach with the flexibility to adjust to market conditions.
2. HDFC Balanced Advantage: Similar to ICICI Balanced Advantage, this fund aims to provide capital appreciation by dynamically managing the allocation between equity and debt instruments.
3. Tata Midcap and Largecap: Investing in both mid-cap and large-cap stocks can offer diversification benefits across market segments, potentially enhancing returns over the long term.
4. Nippon India Small Cap: Small-cap funds like this one focus on investing in smaller companies with high growth potential. They can be more volatile but offer the opportunity for significant capital appreciation over the long term.
5. Motilal Midcap: Mid-cap funds target companies with medium market capitalization, aiming to capture growth opportunities in this segment of the market.
6. ICICI Prudential Commodities: Commodity funds invest in commodities like gold, crude oil, etc. They can provide diversification but may be more suitable for investors with a higher risk appetite.
7. Quant Small Cap: Another small-cap fund that focuses on investing in small-sized companies poised for growth.
For an additional SIP investment of 10K, you may consider adding a large-cap or diversified equity fund to your portfolio to further diversify across market segments. Large-cap funds typically invest in well-established companies with a track record of stable performance. They can provide stability and consistent returns over the long term.
Additionally, it's essential to regularly review your portfolio's performance and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Latest Questions
Milind

Milind Vadjikar  |741 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 03, 2024

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What happens when a Mutual Fund company shuts down / gets sold off?
Ans: Hello;

If a mutual fund company gets sold or fails, the process is prescribed by SEBI:

In case MF company is Sold,
The new fund house may:
1. Continue the scheme with a new name and management.

2. Merge the scheme with similar funds and offer investors the option to exit without any exit load.

In case MF company shuts down,
The fund house will:
1. Pay out investors based on the fund's last recorded Net Asset Value (NAV) and the number of units the investor holds, after deducting expenses.

2. If the company is not in a position to do so then SEBI may liquidate the funds assets and distribute the proceeds to unit holders.

It is also pertinent to note that mutual fund regulation in India is one of the most stringent and hence best, from investor's point of view, globally.

This is not just in theory. We have seen how the Franklin Templeton abrupt closure of debt funds was handled with surgical precision, by SEBI, with no loss to unitholders.


Skin in the game regulation mandates that 20% salary of key mutual fund personnel and fund managers is paid in terms of units of their funds with a 3 year lock-in.

The stocks and bonds purchased by the AMC for the fund are held by a custodian, appointed by the trust that administers the fund.

The trust engages into a investment management agreement with the AMC for managing the fund as per their mandate and within regulatory guidelines.

Registrar and Transfer Agents handle the investor registration,kyc, maintaining records, providing account and tax statements etc.

Happy Investing;
X: @mars_invest

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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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