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Ramalingam Kalirajan |8077 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 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 - Apr 15, 2024Hindi

Money

Hello Team, I am 39 years old and I have been investing in the following through SIP: 2017 onwards (2000/- pm) (1) Bandhan Sterling Value FUND - Growth (2) Franklin Templeton Small Cap fund - Growth (3) HSBC Value FUND (4) HSBC Small Cap Fund (4) Kotak Flexicap Fund (5) Mirae Asset Large & Mid Cap Fund (6) Motilal Oswal Flexi Cap Fund (7) Nippon India Banking & Financial services Fund (8) SBI Blue Chip Fund. 2022 onwards (3000/- pm) (1) SBI Multicap Fund (2) Canara Rebeco Emerging Equities (3) Axis Mid Cap Fund (4) Invesco India Contra Fund ( 1000/- pm) 2023 onwards 2000/- pm in Quant Small Cap fund. I want to create a corpus of atleast 5 CR in the next 20 years. Pl review my folio and advice changes if any

Ans: You've built a diversified portfolio, reflecting a thoughtful approach to investing. To reach your ambitious goal of 5 CR in 20 years, consider periodically reviewing and rebalancing your portfolio. Reassess the performance and alignment of your funds with your goals, and be open to making necessary adjustments. Remember, the investment landscape and your personal circumstances may change over time, so staying flexible and informed will be key to navigating towards your financial milestone. Keep up the disciplined investing!

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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Below are the SIPS I have been doing to build a corpus of 1 cr over 20 years kindly suggest the feasibility with the following funds: Axis Bluechip Fund - Gr. 1200 Axis Midcap Fund - gr. 1500 Canara robeco Bluechip equity fund -2000 Canara robeco emerging equities fund gr 3000 Hdfc index fun post addendum 3000 Invesco india mid cap fund gr 5000 Mirae asset emerging equities fund gr1500 Nippon india US equity opportunities fund gr 2000 Pgim india global equity opportunities fund gr 2000 Pgim india midcap opportunities fund gr 4500 Quant avtive fund gr 3000 Sbi small cap fund gr. 1500 All funds I have invested are growth funds. Kindly review and suggest any funds to stop or increase amount in other or add any other fund to portfolio.

Ans: Funds are decent. Growth options are best options but there are too many funds in your portfolio. You can still continue with your investments.

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Question by Atharva - Nov 16, 2022Hindi

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I'm 22 years old. I want to create a corpus of 3 crore in next 15-20 years. I have following MF currently running from past 1-2 years. I'm a student and studying law and hence can invest only 12k a month maximum. From 2024 I will start earning and can make additional investments or add into existing SIPs. Please guide me if any changes need to be done. Also am planning to start an SIP in small cap fund. Please suggest on the same. 1. TATA digital India fund growth - 2500 pm 2. Kotak flexicap fund - 2000 pm 3. Mirae asset large cap - 2000 pm 4. ICICI prudential NASDAQ 100 - 2000 pm 5. Gold ETF and Silver ETF - 1k each pm All the above mentioned are step up SIPs with 10% step up each year Please guide according to portfolio.

Ans: No change required

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Asked by Anonymous - Mar 27, 2023Hindi

Money

Hello Nikunj, please advise. I want to create of corpus of 5 crores in 5 years, the value of my current portfolio is 50 lakhs. I am 44 years. My monthly SIP is around 2.25 lakhs. Rs. 1.25 lakhs in Franklin India US opps fund, Smaller companies, Tech fund, Axis Bluechip and small cap, Mirae Asset Blue chip, Canara Robeco Equity hybrid, Motilal Nasdaq 100 FOF, Parag Parikh long term equity. Started another Rs. 1 lakh last month in ICICI Prudential Mutual bank, DSP, Franklin India smaller companies, Kotak Emerging Equity, HDFC Flexi, HDFC Smaller Cap, Tata Digital India Fund. Please advise.

Ans: Hello Value Investor. I can see over diversification with your current sip investments with 2.25L sip amount. I would suggest to concise your mf investments and reshuffle the portfolio. To achieve corpus of 5 cr in next 5 years, its advisable to increase your monthly contribution to 4-4.5L.

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Question by Rajiva - Aug 28, 2023Hindi

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I am 57 years old now and I have started investing in SIPs Nippon India Small Cap Fund Direct Growth 3000, Quant Small Cap Fund Direct Growth 1000, ICICI Prudential Small Cap Fund Direct Growth 1000, Canara Robeco Small Cap Fund Direct Growth 1000, Quant Manufacturing Fund Direct Growth 1000, Bandhan Nifty IT Index Fund Direct Growth 1000. My aim is to build a corpus of Rs. 50 Lacs in 10 years. Please advice if the investments done by me is in correct funds and also tell me how much more amount to invest in SIP to get the desired corpus. If you think any changes to be made in my portfolio, please suggest. Thanking you in anticipation.

Ans: Good morning,
We really don't know your risk appetite, but considering your age, we believe you should be tweaking your overall portfolio and shift more towards Hybrid and Largecap funds. Currently, you're only into Smallcaps and Sectoral funds, which might not be suitable for you.
You currently invest ~Rs. 8,000 per month and are looking to have a corpus of Rs. 50 lacs in 10 years. Assuming ~12% returns, you can accumulate a corpus of ~ 18 lacs approximately. Ideally you should be investing Rs. 20-25,000 per month to build such a corpus. Happy to help!

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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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