Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |6302 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 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 - Sep 28, 2023Hindi
Listen
Money

Hello Sir, Am Mithun 33 year old. Currently having only 1 MF Axis blue chip fund (Rs.3000). Could you please suggest me mutual funds giving good returns in flexicap and midcap sectors for investment upto 10 years.

Ans: Exploring Mutual Fund Options for FlexiCap and MidCap Sectors
Mithun, it's commendable that you're considering expanding your investment portfolio beyond a single mutual fund. Let's explore some suitable options in the flexicap and midcap sectors for your investment horizon of up to 10 years.

Understanding FlexiCap and MidCap Funds:
FlexiCap Funds:

FlexiCap funds offer flexibility to invest across market capitalizations based on prevailing market conditions.
They provide a balanced approach, combining the growth potential of midcap and small-cap stocks with the stability of large-cap stocks.
MidCap Funds:

Midcap funds focus on investing in companies with medium market capitalization, offering significant growth potential.
While midcap stocks can be more volatile than large-cap stocks, they also have the potential to deliver higher returns over the long term.
Recommended Mutual Funds:
FlexiCap Funds:

Look for funds with a proven track record of consistently outperforming their benchmarks and peers.
Consider funds managed by experienced fund managers known for their disciplined investment approach and risk management strategies.
MidCap Funds:

Choose funds that invest in fundamentally strong midcap companies with sustainable growth prospects.
Look for funds with a consistent performance history across various market cycles and a well-diversified portfolio.
Factors to Consider:
Fund Performance:

Evaluate the historical performance of potential mutual funds, focusing on long-term returns rather than short-term fluctuations.
Look for funds that have consistently outperformed their benchmarks and peers over multiple time periods.
Fund Manager Expertise:

Assess the expertise and track record of the fund manager in managing flexicap or midcap funds.
A skilled and experienced fund manager can significantly influence the fund's performance and ability to navigate market volatility.
Expense Ratio:

Pay attention to the expense ratio of mutual funds, as lower expenses can enhance overall returns over time.
Choose funds with reasonable expense ratios that align with the fund's investment strategy and objectives.
Conclusion:
Mithun, as you embark on diversifying your investment portfolio, consider the recommendations provided above to select mutual funds in the flexicap and midcap sectors. Remember to conduct thorough research, consult with a Certified Financial Planner if needed, and stay committed to your long-term investment goals.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |6302 Answers  |Ask -

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

Asked by Anonymous - Nov 02, 2023Hindi
Listen
Money
Hello Sir, I am new to Mutual Fund Investement. I had Axis Blue Chip Fund SIP for Past 3 years and I got only 2% return. This year I have started SIP of 10K each in Nippon India Small Cap Fund and Quant Small Cap Fund. In Past 8 Months For 1.6 Lakhs I am getting a return of 10%. I have some lumpsum to be invested and I want to invest in MF and start SIP on the same for around 1 Lakh in addition to 20 K. Can you suggest some large cap, mid cap, flexicap and small cap fund to get an average return of 12% to 15% pa. These are some of the fund I have short listed. Can you please guide me. Aditya Birla Sun Life Flexi Cap Fund Aditya Birla Sun Life Pure Value Fund HSBC Small Cap Fund HSBC Value Fund ICICI Prudential Equity & Debt Fund ICICI Prudential Value Discovery Fund Parag Parik Flexicap Fund Kotak Flexicap Fund Mirae Asset Emerging Bluechip Fund Nippon India Multi Cap Fund?Growth Plan
Ans: It's fantastic to see your proactive approach towards mutual fund investments! As you delve deeper into the world of mutual funds, it's crucial to select funds that align with your financial goals and risk tolerance. When considering funds for your portfolio, focus on factors like fund track record, consistency of performance, fund manager expertise, expense ratio, and risk-adjusted returns.

Diversification across different categories like large-cap, mid-cap, and flexi-cap funds can help mitigate risk and optimize returns. However, always remember that past performance is not indicative of future results, so it's essential to conduct thorough research and consult with a Certified Financial Planner before making investment decisions.

By diversifying your portfolio and staying disciplined in your investment approach, you're well-positioned to achieve your financial goals over the long term. Keep learning, stay informed, and adapt your strategy as needed to navigate the dynamic investment landscape with confidence and resilience.

..Read more

Ramalingam

Ramalingam Kalirajan  |6302 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - May 07, 2024Hindi
Listen
Money
I taken Quant small cap fund direct growth, quant flexi cap fund direct growth and motilol oswal midcap cap fund. I need good mutual funds for my portfolio. Which funds can I pick. If any funds better other than this I can shift to those mutual funds. I plan to take 1. small cap(Quant) 2. mid cap 3. flexi cap(Quant or flexi or both) 4. micro cap(Motilal oswal nifty microcap 250 index fund) Is this okay. 10+ years I'll hold mutual funds. Thank you in advance.
Ans: Building a diversified mutual fund portfolio is essential for long-term wealth accumulation. You've made a good start with your selections, but let's explore some additional options to enhance your portfolio:
1. Small Cap Fund (Quant): Quant Small Cap Fund has the potential for high growth but may also carry higher risk due to the nature of small-cap stocks. Since you already have exposure to this segment, it's wise to stick with it if you believe in its growth potential.
2. Mid Cap Fund (Motilal Oswal Midcap Fund): Mid-cap funds like Motilal Oswal Midcap Fund can offer a balance between growth potential and risk. It's a solid choice for diversification.
3. Flexi Cap Funds (Quant or Flexi or Both): Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. Since you already have exposure to Quant Flexi Cap Fund, adding another solid performer in this category can further diversify your portfolio. Look for funds managed by experienced fund managers with a consistent track record of delivering returns.
4. Micro Cap Fund (Motilal Oswal Nifty Microcap 250 Index Fund): Micro-cap funds like Motilal Oswal Nifty Microcap 250 Index Fund can offer exposure to smaller companies with high growth potential. However, micro-cap stocks can be more volatile and risky. Ensure you have a long-term investment horizon and can tolerate fluctuations in this segment.
Considering your investment horizon of 10+ years, you have the advantage of riding out market volatility and benefiting from the potential growth of small and mid-cap companies. However, it's crucial to regularly review your portfolio's performance and make adjustments if necessary. Remember, investing through regular funds with the support of a Mutual Fund Distributor (MFD) can provide emotional support and guidance, especially during market downturns. Keep investing consistently and stay focused on your long-term goals. Good luck!

..Read more

Latest Questions
Ravi

Ravi Mittal  |298 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 16, 2024

Listen
Relationship
Hii sir ! This is ritika and I love a boy and we are in relationship since 7 years but there are some behavior of him he always have doubt on me that I am dating another boy he always says that start you screenshare in WhatsApp I even do because I don't want to lose him and he saw all of things of my phone yesterday he again asking for that and I do and there was a tab of instagram which was belongs to my roommate it was her I'd open in my chrome browser where she only wants to delete the I'd which she did from my phone these instagram thing happened approx one year ago but when he saw this I told him that was not mine but he continuously said I am cheater I cheated with him again he was like I know you have two mobile phones and you cheated with me. I love him soo much but he cannot try to accept that . Even I don't talk to my male classmate because he didn't want ki main kisi boy se baat karu Is it fair , am I cheater ? I love him unconditionally I support him in all his career or decision but again he was like I cheated with him we are in long distance relationship but I can't cheat him . Literally I am feeling depressed ????
Ans: Dear Ritika,

Please understand that you did nothing wrong. Why would you even question yourself? You know you never cheated. It's his issue that he cannot trust. Yes, in a relationship we all try to comfort our partners but that too should be to a certain extent. And, in that process, if your mental health is being compromised, I don't see how it's a healthy relationship.

I don't want to tell you what to do, but I would reassure you that YOU DID NOTHING WRONG. You don't need to prove yourself anymore. And I can also assure you that no matter what you do, he will still manage to find some flaws and doubt you. It's a typical behavior we see in some partners. You deserve peace, love, and above all, to be trusted.

Best Wishes.

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x