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Ramalingam

Ramalingam Kalirajan  |8083 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
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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.
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Ramalingam

Ramalingam Kalirajan  |8083 Answers  |Ask -

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

Asked by Anonymous - Nov 02, 2023Hindi
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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.

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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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