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Samraat

Samraat Jadhav  |2087 Answers  |Ask -

Stock Market Expert - Answered on May 30, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
RITESH Question by RITESH on May 25, 2024Hindi
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Hello Greetings! I have a Six year old Daughter and I am already invested approx 20 lakhs and continue to do so as SIP in the following Stocks and wish to pass these Stocks to my future generations. 1. Nestle India. 2. Abbott India. 3. Saregama India. 4. Elantas Beck India. 5. Foseco India. 6. Tata Investment Corporation. 7. Trent Ltd. 8. Tata Technologies. 9. Force Motors. 10. Oracle India Financial Solutions. 11. Linde India. 12. Esab India. Kindly advise and suggest accordingly. I am long on my Investments. Regards. Thank you.

Ans: how much is the SIP amount?
Asked on - May 30, 2024 | Answered on May 30, 2024
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SIP is 50,000 per month. I would like to you to review the stocks and provide your guidance. Thanks.
Ans: you have amazing timeline with you and these all stocks looks good, keep the good going but use discipline and invest every month at any cost. dont look at the price of the stock but keep investing. the wealth would be awsome for your daughter. best of luck.
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  |6968 Answers  |Ask -

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

Asked by Anonymous - Oct 01, 2023Hindi
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Good Afternoon Sir , last two years i am investing in Parag Parikh flaxi cap- (2500 Rs. Direct) , Axis small cap -( 2500-Direct) , Hdfc Small cap-( 1000 Direct ), Icici value discovery (2500 ), Axis Blue chip-(2500) , Mirah Emerging Bluechip ( 2500) , Tata Digital India ( 1000 Rs.). request to you kindly guided me am i on right track. my investment horizon almost 12-15 years . also i am doing sip for my kids in sbi samll cap (1000 Rs. ) kotak small cap(1000) Pgim mid cap ( 2000) for next 15 years because my both kids are at 18 years old. please suggest me on these also .
Ans: Your commitment to investing for the future is commendable. Investing with a horizon of 12-15 years provides ample time for your investments to grow. Let’s review and optimise your portfolio for better returns and balanced risk.

Current Investment Overview

Your current investments include a mix of small-cap, mid-cap, flexi-cap, and sectoral funds. Diversification across these categories is a prudent strategy, reducing risk and enhancing potential returns.

Analysing Fund Selection

Your selection of funds indicates a balanced approach. Small-cap and mid-cap funds offer high growth potential but come with higher risk. Flexi-cap and large-cap funds provide stability, balancing your portfolio.

Investment in Direct Funds

Direct funds have lower expense ratios, increasing your returns over time. However, they lack the professional guidance available through regular plans. Investing through a Certified Financial Planner can provide tailored advice and oversight.

Disadvantages of Index Funds

Index funds track market indices, potentially limiting returns. They lack the adaptability of actively managed funds, which adjust to market conditions for better performance.

Advantages of Actively Managed Funds

Actively managed funds offer professional management, adapting to market changes. This flexibility can result in higher returns compared to passive index funds.

Kids’ Investment Portfolio

Investing for your kids' future in small-cap and mid-cap funds is a smart choice. These funds have the potential for higher returns over a long investment horizon. Ensure you periodically review and adjust the portfolio as needed.

Periodic Review and Rebalancing

Regularly reviewing and rebalancing your portfolio ensures it remains aligned with your financial goals. This proactive approach optimises returns and manages risks effectively.

Creating a Comprehensive Financial Plan

Consider other financial aspects like emergency funds, insurance, and tax planning. A holistic financial plan ensures a secure and well-rounded approach to wealth creation.

Monitoring Market Trends

Stay informed about market trends and economic factors. This knowledge helps you make timely adjustments to your investments, maximising returns and mitigating risks.

Conclusion

Your disciplined investment strategy and diversified portfolio are commendable. With regular review and professional guidance, you can achieve your financial goals and secure a bright future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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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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