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Ramalingam

Ramalingam Kalirajan  |7209 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 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 14, 2024Hindi
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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
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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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.

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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
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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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Asked by Anonymous - Dec 05, 2024Hindi
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Dear Doctor, I work as a corporate lawyer in Delhi. I’ve been considering undergoing a cosmetic procedure for my skin for some time now, but I’m feeling a bit overwhelmed by the number of surgeons available. I want to ensure that I choose someone who is experienced, as this is a big decision for me. Could you advise what I should look for when selecting a plastic-aesthetic surgeon? Are there any specific red flags I should be aware of when researching potential surgeons? I want to make sure I’m in safe hands. I’m 40 years old.
Ans: This is a beautiful question.
Before I dwell on your question, there are a few points which are very important for the patient to know.
1. You should roughly know what result you wish to have.
2. Never think of a perfect result. There is no such result.
3. You must think in terms of improvement and if you are sble to achieve more than 90% approx, it can be considred good.
4. Dont compare your results with any celebrity's result. There body structure is different, they have probably taken better care till now and importantly, the result you see on a public platform is after make up and not the real result. Some times it may be a photoshopped image
5. Let your doctor know if you have any medical history and addictions.
6. Don't go with pre concieved notion (especially if you have researched a lot online). Discuss with the doctor, listen to his/ her views and raise your concerns if any
7. Try and see some results of the doctors work (Remember, too good a result may not be the true result). Realistic result is what you should want to look at and believe.
8. Don't fall for less budget! its obvious a meticulous job needs more surgical time. This means that the doctor may charge more. Seniority also adds to the cost.
What I mean, there is a price to be paid for a good job.(whether medical or anywhere).
Now coming to the Plastic surgeon's choice.
1. Research well, but dont fall prey to only advertisement. Small and big centers, both advertise,
2. Dont fall for glamour. You are going to a surgeon. A plastic surgeon's clinic is clean but not lavish generally. At least I believe that the person coming is not a client, but a patient. A patient - Doctor relationship is more pure than a client-Professional relationship.
3. Talk and discuss with the doctor. A too busy doctor may not always be the best doctor for you. Plastic surgery is about thinking, planning and execution. A doctor who thinks aloud about your problem ( especially if ut us face, nose, breast etc) is applying his/ her knowledge for your betterment, because every oerson is different.
4. Check the resilts? Look for genuinity.
5. Be wary of arrogant, loud and boisterous people. There is a difference between confidence and fambloyence.
6. Doctors who are attached to reputed hospitals are generally good in their work.
7. A doctor who can talk about probable complications is also a doctor worth trusting.
I hope I am able to do justice to this difficult question. All the best. You can write again if you need any other clarifications.
Dr. Anshuman Manaswi

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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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