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Ramalingam Kalirajan |2770 Answers |Ask -Follow

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

Asked by Anonymous - Apr 30, 2024Hindi

Money

Hello Sir, I m 38, only recently started my investment journey in mutual fund and equity since last 6 months, currently investing in UTI nifty 50, S&p 500, Parag flexi cap, Nippon small cap and Hdfc Balanced advantage fund 5000 on each of these funds and also investing around 20K+ in direct equity my question is around the mutual funds if I have it diversified and if the ones I choose needs any changes and i should include anyother mutual fund. Please let me know thanks

Ans: It's fantastic to see you embarking on your investment journey and diversifying your portfolio with mutual funds and direct equity investments. Diversification is key to managing risk and maximizing returns. However, it's essential to periodically review your portfolio to ensure it aligns with your investment goals and risk tolerance. Consider factors such as fund performance, asset allocation, and market conditions when evaluating your mutual fund investments. Additionally, assess if there are any gaps in your portfolio that could be filled with other mutual funds to further diversify and optimize returns. Remember, investing is a journey, and staying informed and adaptable will help you navigate through different market cycles effectively. Keep up the excellent work, and don't hesitate to seek advice from a certified financial planner for personalized guidance.

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 Kumar - Jun 13, 2022Hindi

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Need your advice on following mutual funds currently investing on the following. Kindly note I need to make a corpus of 30 lakh within a span of 5 to 6 years. Will this be sufficient or should I invest more? If yes, kindly suggest some good ones and amount to be invested in each accordingly. How much monthly contribution helps in reaching the target? Kindly provide me with a permanent portfolio which I need not turn back further. Like long term, medium term and short term with amount to be invested in each with your shortlisted funds. Uti flexi Cap fund =1000/ month Axis long term fund growth=500/month Axis 100 index fund =500/ month Existing portfolio not invested further on below mentioned funds. Sbi blue-chip fund 20000 invested (to continue or not existing from past 6 years Aditya Birla sunlife 96=20000 invested (not investing as of now existing from 5 years) Other than this I am investing in PPF 2000/month.

Ans: For a corpus of Rs. 30 lakhs in 5 -6 years, the monthly investment required is Rs. 30000 to Rs. 35000. There is no permanent portfolio. We need to review as our hard earned money is invested.

Few funds that can be considered are:

1. UTI flexi cap fund – Growth.

2. Parag Parikh Flexi cap - Growth

3. Samco Flexi Cap – Growth

4. Axis Esg Equity Fund Regular Growth

5. Hdfc Index Fund - Sensex Plan - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 06, 2020

Question by Santosh - Nov 06, 2020Hindi

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I saw your advices on rediff, that's impressive. Can you please suggest and guide on my below Mutual Funds. Are these good funds and correctly diversify. I am 40 years old, married, having a 5 year old kid. Planning to retire at age 60, so looking to generate retirement fund by this investment. I want to generate around 4 to 5 cr at retirement. can you please review my mutual funds and suggest? All these funds started from this month. With additional lumpsum investment of 2 lacs in distributed equally in all above funds.

Mirae Asset emerging blue chip -10000 rs per month: Please continue

Axis Blue chip - 10000 rs per month: Please continue

Sbi Nifty index - 3000 rs per month: Please continue

Hdfc Balanced Regular growth - 1000 rs per month: Better option available in Union Balanced Advantage Fund Regular Plan - Growth

Aditya Birla els 96 Tax saving - 3000 rs per month: Better option available in Canara Robeco Equity Tax Saver Fund Regular Growth

SBI Small cap - 10000 per month: Please continue

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Head, Rank MF - Answered on Nov 20, 2019

Question by Vijay - Nov 20, 2019Hindi

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I am working in an Indian IT MNC. I want your guidance and review on my mutual fund portfolio. I am investing since Jan 2016 in following 2 mutual funds monthly with goals of long term corpus. Kotak Emerging Equity Growth: 3000 SBI Magnum Midcap Fund Growth: 2000 Kindly provide your guidance if I should continue investing same or need to change anything. Please suggest good funds in case I need to revisit or modify my portfolio accordingly.

Name of the Fund	Category	RankMF Star Rating
Kotak Emerging Equity Growth	Equity - Midcap Fund	4
SBI Magnum Midcap Fund Growth	Equity - Midcap Fund	4

These funds are also good. However, you may also consider the top-rated funds in this category:

Midcap: Suitable options considering quality and value for money at present levels are Motilal Oswal Midcap 30, DSP Midcap and Axis Midcap

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Financial Planner - Answered on Feb 05, 2024

Asked by Anonymous - Jan 26, 2024Hindi

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Hello, I've been investing in mutual funds for two years, with a total investment of 1.5 lakh and a monthly contribution of 11k. Currently, I have allocated 4000 to UTI Nifty 50 Index Fund, 5000 to Quant Small Cap, and 2000 to Quant Mid Cap. I'm considering diversifying and plan to invest up to 20k after April. Are my current funds suitable, or should I diversify? I aim to retire at 45 (currently 28). Any recommendations for diversification, and what additional steps should I take to achieve my goal?

Ans: It's important to note that the choice of funds depends on your individual risk profile, financial goals, and investment time frame. Without this information, we cannot provide specific recommendations.

However the current investment is high risk and high reward ratio oriented, you should make decision based on your individual circumstance, however. It is advisable to consult with a financial advisor for personalized advice based on your unique circumstances. Further decision regarding your retirement should be taken after due analysis that you will be able to accumulate sufficient corpus by the time of your superannuation to sustain a comfortable retirement life.

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Asked by Anonymous - Apr 15, 2024Hindi

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Hi I am 42 year old and investing 90 thousand PM in mutual fund.Quant elss(9000)Pgim elss (2500).Quant Large cap (15000).Quant mid cap (15000).Quant small cap(10000).Parag Parikh flexicap(20000.)icici eqity and debt(10000)canra rebeco largecap (2500).HDFC defence fund (2500).Sbi nifty fifty equal weight index fund (5000).Let me know is my fund selection is right or to make some changes

Ans: You have a diverse mix of funds across different categories. Consider consolidating similar funds to avoid redundancy. Evaluate the performance of each fund regularly and reallocate from underperforming to better-performing categories. Ensure you're not overexposed to a single asset class or sector. Consult a financial advisor for a personalized strategy tailored to your goals and risk tolerance. Regular reviews and adjustments will help optimize your portfolio for growth.

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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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