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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 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 - May 06, 2024Hindi
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Hello sir, my question is like stocks, can we watch Mutual Funds live every day along with stocks G S Kumar

Ans: No, unlike stocks, you cannot watch Mutual Funds "live" every day like you can with stocks. Here's why:

Trading Frequency: Mutual funds are typically traded only once a day, at the Net Asset Value (NAV) calculated after the market closes. Stocks, on the other hand, trade continuously throughout the trading day, so their price fluctuates constantly.

NAV Calculation: The NAV of a mutual fund reflects the underlying value of all the assets it holds (stocks, bonds, etc.). This value is calculated only after the market closes when the final prices of those assets are known.

However, you can still track the performance of your mutual funds regularly. Here are some ways:

Mutual Fund Websites: Most mutual fund companies update their websites daily with the NAV of their schemes. You can find the latest NAV for your funds there.

Investment platforms: If you invest through an online investment platform, they will typically display the latest NAV of your holdings within their interface.

Financial News Websites: Many financial news websites provide mutual fund quotes, although these might not be the most up-to-date NAV.

While you can't watch mutual funds live, tracking their NAV daily isn't necessary. Focus on your long-term investment goals and avoid making impulsive decisions based on short-term fluctuations.

Here are some additional points to remember:

Focus on Long-Term: Mutual funds are meant for long-term wealth creation. Don't get caught up in daily NAV movements.
Periodic Reviews: Regularly review your mutual fund portfolio (quarterly or annually) to ensure it aligns with your goals.
Professional Guidance: Consider consulting a Certified Financial Planner (CFP) for personalized investment advice.
I hope this explanation clarifies the difference between tracking stocks and mutual funds.

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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Financial Planner - Answered on Feb 13, 2023

Asked by Anonymous - Feb 13, 2023Hindi
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Sir Is it right time to invest in Mutual funds as the stock prices are falling due to Adani Problem
Ans: First of all as an investor and also managing your family finances, you need to answer following questions before deciding on which instrument you want to invest

1) Goal or financial goal or purpose of doing investment.
This will matter a lot as a goal of child education and retirement needs to see with different perspective and also should have asset allocation and market cap exposure accordingly.

2) Time Horizon of your goals- this is very important as it will help you to select the asset class and it's allocation based on your time period of financial goals. This is where investor makes biggest mistake of misalignment of asset time cycle and goals time period. If you allign this properly, your journey will be quite smooth.

3) Optimum Return expectations on your capital invested-
If you are saving and investing for some better future to fulfill your goals offcourse you will ask something in return which should be respectable higher returns than inflation for long term period( more than 7 years). If you are investing in India than equity return assumptions and calculations should be based on 12% return expectations and debt it should be 6.5%. Remember that you should assume practical return assumptions ( not the highest or what your friend says) as you can put any number in the excel sheet for your mental satisfaction😃

4) Risk taken on your capital-
Risk is a very negative word being taken in india but actually it's the risk appetite and risk acceptance of an investor which makes his outcome/ returns favourable. Understand one thing that if you want high returns you have to assume high risk and there is no option for it or an investor has to be happy with sub optimal returns if he is not ready to take risk.

Risk according to me is the capacity of a person until where and when he will not have any palpation in his stomach and he can absorb the downside easily( both realised and majority of time unrealised).

You should remember one thing that after deciding on above parameters, TIME IN THE MARKET IS MORE IMPORTANT RATHER THAN TIMING THE MARKET. As an investor, wealth is created over a period of decade and have your allocation to equity accordingly and enjoy the journey of markets which is going to be up and down.

After looking at all these parameters you can think of taking allocations to equity mutual funds and decide how much allocation to equity mutual funds is comfortable to you. If you dont have any prior expertise in investing in mutual funds or equity markets, its better to hire an advisor to help you do that or start with allocation in Equity Diversified mutual funds which will help you to take exposure in stocks.

And after all that, i would say it's your behaviour and emotions management which will help you create wealth in the equity market.

I hope this helps. Happy investing

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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

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

Asked by Anonymous - Nov 24, 2023Hindi
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Hi Ashish. I have 33 year old. I invest over 1.2 lakhs every month in stocks directly. Should I invest in mutual fund?? I am covered with all other aspects
Ans: It's great to hear that you're actively investing in stocks directly. Investing in mutual funds can complement your existing investment strategy and offer additional benefits such as diversification, professional fund management, and access to a broader range of investment opportunities.

Here are a few reasons why you might consider investing in mutual funds alongside your direct stock investments:

Diversification: Mutual funds allow you to spread your investments across a wide range of stocks, sectors, and asset classes, reducing the risk associated with individual stock selection.
Professional Management: Mutual funds are managed by experienced fund managers who conduct research and analysis to make informed investment decisions on your behalf. This can be particularly beneficial if you don't have the time or expertise to actively manage your investments.
Convenience: Investing in mutual funds is relatively convenient compared to direct stock investing. You can invest in a diversified portfolio with a single transaction, making it easier to manage your investments, especially if you have a busy schedule.
Liquidity: Mutual funds offer high liquidity, allowing you to buy and sell units at NAV (Net Asset Value) prices on any business day. This provides flexibility in accessing your investment funds when needed.
Risk Management: Mutual funds offer risk management features such as SIPs (Systematic Investment Plans), which enable you to invest a fixed amount regularly, averaging out the cost of your investments over time and reducing the impact of market volatility.
While investing in mutual funds can offer several benefits, it's essential to assess your investment objectives, risk tolerance, and financial goals before making any decisions. Consider consulting with a certified financial planner or investment advisor who can provide personalized guidance based on your unique financial situation and help you develop a well-rounded investment strategy.

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Sir I got 68676 in comedk Can you suggest good colleges forCSE or CSE specialization
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SIR I should go for HBTU (IT) or IIIT VADODARA DIU CAMPUS (ELECTRONICS)?
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My son got IIT Dharwad B.S/M.S Interdisciplinary sciences and BITS Hyderabad Mechanical through BITSAT currently. He may have potential chances of getting NIT Warangal MnC/ECE or IIIT Delhi CSE through DASA. Which one is better in the order of preference
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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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