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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 05, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Asked by Anonymous - Jan 23, 2024Hindi
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Hello Sir I AM investing in These Four MF 1.SBI Contra 4000 2.Canara Robeca Small cap 3500 3.Axis Small Cap Fund 3500 4.Kotak Emerging Equity Fund 2000 Sir please Review my Portfolio Is it good or I have to Change

Ans: As each investor has unique financial goals, risk tolerance, and investment timeframes. Therefore, what might be suitable for one person could be entirely inappropriate for another. And we cannot assess the portfolio without specific details of yours.

However, there are certain parameters through which you can assess the funds that you have like - historical returns compared to its benchmark and peers, fund's volatility, consistency of the funds over the years and Fund manager experience etc.

To ensure you receive the most accurate and relevant advice, I highly recommend consulting with a qualified financial advisor. They can analyze your individual circumstances, risk tolerance, and investment goals to provide personalized recommendations and help you construct a portfolio aligned with your needs.
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  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 14, 2024Hindi
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Money
Sir,pls review my MF portfolio and give your review and advice. I have in my portfolio 5 L in Baroda pnd paribas multi asset,2 L sbi balanced advantage,2 HDFC manufacturing fund,2 bandhan innovation MF,1 sbi psu fund,1 sbi next 50 index fund,2 L HDFC multicap,3000sip in sbi 250small cap index fund,3000 sip in ICICI bluechip fund,3000 sip in motilal oswal midcap fund.
Ans: Review of Your Mutual Fund Portfolio
Let's assess your current mutual fund portfolio and provide suggestions to optimize it.

Current Portfolio Breakdown
Baroda BNP Paribas Multi Asset: Rs 5,00,000
SBI Balanced Advantage: Rs 2,00,000
HDFC Manufacturing Fund: Rs 2,00,000
Bandhan Innovation Mutual Fund: Rs 2,00,000
SBI PSU Fund: Rs 1,00,000
SBI Next 50 Index Fund: Rs 1,00,000
HDFC Multicap Fund: Rs 2,00,000
SIP in SBI 250 Small Cap Index Fund: Rs 3,000 per month
SIP in ICICI Bluechip Fund: Rs 3,000 per month
SIP in Motilal Oswal Midcap Fund: Rs 3,000 per month
Analysis and Evaluation
Diversification:

Your portfolio includes a mix of equity, balanced, and sector funds.
This diversification helps in risk management.
Sector Funds:

HDFC Manufacturing Fund and SBI PSU Fund are sector-specific.
Sector funds can be risky due to lack of diversification.
Index Funds:

SBI Next 50 Index Fund and SBI 250 Small Cap Index Fund are passive investments.
Index funds do not outperform the market and lack active management.
Balanced Advantage Fund:

SBI Balanced Advantage Fund balances equity and debt.
This provides stability during market volatility.
Multicap Funds:

HDFC Multicap Fund offers diversification across large, mid, and small caps.
This reduces concentration risk.
Recommendations
Reduce Sector Exposure:

Consider reducing your investment in sector funds like HDFC Manufacturing and SBI PSU Fund.
These funds are less diversified and can be volatile.
Shift from Index Funds to Actively Managed Funds:

Index funds like SBI Next 50 and SBI 250 Small Cap Index Fund lack active management.
Actively managed funds can potentially offer better returns.
Increase Exposure to Actively Managed Funds:

Increase investment in actively managed funds such as multicap, large-cap, and mid-cap funds.
These funds are managed by professionals who can make informed investment decisions.
SIP in Balanced and Multicap Funds:

Continue your SIP in ICICI Bluechip and Motilal Oswal Midcap funds.
Consider adding more SIPs in balanced advantage or multicap funds.
Diversify Across Asset Classes:

Continue investing in multi-asset funds like Baroda BNP Paribas Multi Asset.
These funds offer a mix of equity, debt, and other assets for better diversification.
Suggested Portfolio Allocation
Equity Funds:

Large Cap Funds: 30% of your portfolio.
Mid Cap Funds: 20% of your portfolio.
Multicap Funds: 25% of your portfolio.
Reduce sector funds to 10% of your portfolio.
Balanced Funds:

Balanced Advantage Funds: 15% of your portfolio.
Multi-Asset Funds:

Continue with Baroda BNP Paribas Multi Asset.
Final Insights
Your portfolio is well-diversified but can be optimized by reducing sector-specific and index funds. Increase allocation to actively managed large, mid, and multicap funds. This strategy will potentially enhance returns and manage risks better. Regularly review and rebalance your portfolio to stay aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Milind

Milind Vadjikar  |618 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 11, 2024

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 18, 2024

Money
Please review my MF Portfolio Sir....Bandhan Small Cap Fund - 11000, Parag Parikh Flexi Cap Fund -15500, Kotak emerging equity Fund - 7000, Tata digital Fund - 7000, Motilal Oswal Midcap Fund - 12000, HDFC Balanced Advantage Fund - 12500, With setp up of 10% every year. is this portfolio Good ?? should I change something ?? Also, I want to start another 5000 SIP, which fund should I go for ?. My age is 28 yrs My goal is wealth creation, i can invest for long term. As of now I don't have any urgency
Ans: I’m glad to see you’ve taken active steps towards wealth creation. At 28, with a long-term investment horizon and no immediate need for liquidity, you’re well-positioned to build substantial wealth through disciplined investments.

Let’s evaluate your portfolio and offer insights for further improvements, including recommendations for your new SIP.

Assessing Your Current Portfolio
Your portfolio reflects a diverse range of funds, which is essential for reducing risks and optimizing growth. Here's a detailed evaluation of each component:

1. Bandhan Small Cap Fund – Rs 11,000
Small-cap funds have high growth potential but are also highly volatile. It’s great for wealth creation over the long term, but ensure you're prepared for volatility in the short term.

You’ve allocated 16% of your current SIP to small caps. That’s reasonable given your age and long investment horizon.

2. Parag Parikh Flexi Cap Fund – Rs 15,500
This is a flexi-cap fund, which means it can invest in large, mid, and small caps based on market conditions. These funds offer a good balance of risk and reward.

With about 22% of your SIP allocated here, it adds diversification to your portfolio. This fund provides the flexibility to adjust to market conditions, which can be a key strength.

3. Kotak Emerging Equity Fund – Rs 7,000
Mid-cap funds like this have the potential to offer high returns with moderate risk. Mid-caps often strike a balance between the stability of large caps and the growth potential of small caps.

Your allocation of 10% to mid-cap is fine for your long-term goal, as these funds can generate wealth if held for 7-10 years.

4. Tata Digital Fund – Rs 7,000
A sectoral fund like this focuses on the digital or technology sector, which can be lucrative. However, such funds tend to be highly volatile and depend on the sector's performance.

While sectoral funds can provide high returns, their risks are high due to concentrated exposure. It's a good idea to limit your exposure here, and you’ve done well by keeping it at around 10%.

5. Motilal Oswal Midcap Fund – Rs 12,000
Another mid-cap fund in your portfolio, this allocation increases your exposure to mid-caps. While mid-caps have good growth potential, too much concentration in this category can amplify risk.

You’ve allocated 17% to mid-caps overall, which is slightly on the higher side. You may want to reduce this exposure slightly to balance your risk.

6. HDFC Balanced Advantage Fund – Rs 12,500
Balanced Advantage Funds (BAFs) dynamically manage the portfolio between equity and debt. This ensures lower volatility while giving reasonable returns.

Having 18% of your portfolio in a BAF adds stability and cushions against market fluctuations. This is an excellent choice for long-term wealth creation with moderate risk.

Diversification and Risk Management
Your portfolio is diversified across different types of equity funds—small-cap, mid-cap, flexi-cap, and sectoral funds. However, there’s a concentration of mid-cap and small-cap exposure, which could increase risk during market downturns. Since you are aiming for long-term wealth creation, I recommend a more balanced allocation.

Steps to Improve Diversification:

Reduce Sectoral Exposure: The Tata Digital Fund's high concentration in one sector can increase risk. You may want to limit sectoral funds to 5-7% of your overall portfolio.

Balance Mid-Cap Exposure: You’ve invested in two mid-cap funds. Consider reducing one to moderate your overall risk exposure.

Adding Another SIP of Rs 5,000
You mentioned starting a new Rs 5,000 SIP. Given your long-term horizon and focus on wealth creation, here’s what I suggest for further diversification:

1. Large-Cap Fund
Adding a large-cap fund will bring more stability to your portfolio. Large-cap funds tend to be less volatile and provide consistent returns, especially during market downturns.

This can act as a safety net, balancing the volatility of your small and mid-cap funds.

2. Hybrid or Dynamic Allocation Fund
If you're looking for more stability, you might consider adding a balanced or hybrid fund to your portfolio. These funds invest in both equity and debt instruments, which can stabilize your portfolio during market fluctuations.

A hybrid fund would complement your existing BAF and reduce overall portfolio risk.

3. International Equity Fund
You can also consider diversifying internationally by adding an international equity fund. These funds provide exposure to global markets and help diversify country-specific risks.

This can help balance the portfolio if Indian markets face periods of stagnation.

Disadvantages of Index and Direct Funds
Since you've opted for actively managed funds, I want to reinforce that you're on the right track. Index funds, although lower in cost, are passive and do not have the potential for outperformance in dynamic markets. In contrast, actively managed funds offer better opportunities as professional fund managers constantly analyze the market to maximize returns.

Also, it's wise to invest through a Certified Financial Planner (CFP) who can guide you based on your financial goals and risk profile. While direct funds may save on expense ratios, they often lack personalized advice, which can cost you in the long term.

Final Insights
Your current portfolio has a solid foundation for long-term wealth creation, with a strong emphasis on small and mid-cap funds for growth. However, it would benefit from some adjustments to balance risk and improve diversification.

Consider reducing your sectoral and mid-cap exposure slightly to manage volatility.

Adding a large-cap or hybrid fund to your new SIP will provide more stability.

Investing for the long term with periodic reviews will ensure you stay aligned with your goals.

Stay disciplined with your investments, increase your SIPs regularly as planned, and avoid frequent changes. With a long-term vision and the right fund selection, your portfolio can grow significantly over time.

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

..Read more

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Dr Shyam

Dr Shyam Jamalabad  |78 Answers  |Ask -

Dentist - Answered on Nov 14, 2024

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Dr. Shyam, I had my teeth cleaned 6 months ago and after that was done I saw discoloration on certain teeth that wasn't there before. Years ago I had my teeth cleaned and one particular tooth after the cleaning was sensitive to touch. I had a crown put in from two different dental offices. The first one did the crown right, but was trying to charge me $3,500 more than the agreement they made with Medicare. Medicare corrected that. I other dentist did a crown and it didn't go all the way up to my gums and is sensitive to especially cold things. I'm not having very good experiences with dentist by and large. Can't find an honest one or one that can actually do the job right. I feel being on Medicare your a target to bring in money. Not sure what to do next. Supposed to go back and have them redo the crown that didn't go to my gums, but it also was ttd place to didn't clean my teeth right and discolored some of them. Any suggestions on how to trust there is actually an capable and honest dentist out there who can perform properly?
Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

1. Ask for referrals: Ask friends, family, or coworkers for recommendations. They can provide valuable insights into a dentist's work quality and bedside manner.

2. Check credentials: Ensure the dentist has the necessary qualifications, certifications, and licenses. You can verify this information with your state's dental board or professional organizations like the American Dental Association (ADA).

3. Check online reviews: Look up the dentist on review platforms. Pay attention to the overall rating and read the comments to understand the strengths and weaknesses. At the same time, do not rely on reviews alone as these can be manipulated, fake reviews can be easily generated.

4. Evaluate their communication style: A good dentist should listen to your concerns, explain procedures clearly, and answer questions patiently. Ensure you feel comfortable asking questions and discussing your treatment.

5. Assess their facility and equipment: A well-organized and modern dental office with up-to-date equipment is a good sign.

6. Check their approach to preventive care: A capable dentist emphasizes preventive care, including regular cleanings, exams, and education on oral hygiene.

7. Be wary of over-treatment: A honest dentist will not recommend unnecessary procedures. Be cautious if you feel pressured into extensive treatments.

8. Trust your instincts: If something feels off or you don't click with the dentist, it's okay to explore other options.

10. Schedule a consultation: Many dentists offer initial consultations or meet-and-greets. Use this opportunity to assess their approach, ask questions, and gauge your comfort level.

By following these steps, you can increase your chances of finding a capable and honest dentist who prioritizes your oral health and well-being.

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Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Relationship
Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out
Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

Hope this helps.

...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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