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Should I Change My Portfolio or Continue? 47-Year-Old Rayulu Seeking Advice on Building a 1 Crore Portfolio in 10 Years

Milind

Milind Vadjikar  |1205 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Jan 23, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Jan 23, 2025Hindi
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Sir iam rayulu 47 years old. Iam invest in mutual fund s axis small cap 5000 ,quant small cap 5000, motilal oswal midcap 5000, nippond india growth fund 5000 and my wife account Nippon small cap 5000 and sbi contra 5000 paragpark flex cap 5000,HDFC flex cap 5000 how to create 1 crore in tem years pls suggest change my portfolio or contune

Ans: Hello;

Your exposure to small cap funds is quite high.

You should have one flexicap fund and one aggressive hybrid (equity) fund for your sip of 20 K.

Your wife may have one flexicap fund and one Large & Midcap type fund for her sip of 20 K.

Further you may start one more monthly sip of 5 K in a multi asset allocation type fund.

This total monthly sip of 45 K may yield you desired sum of 1 Cr. in 10 years. (A modest return of 12% is considered)

You may select any fund from the top quartile in the respective category or consult an MFD for the same.

Happy Investing;
X: @mars_invest
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  |8317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Asked by Anonymous - Nov 23, 2024Hindi
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From last 3 months I stared my sip of 30 thousand let me know in short sentences how can I achieve 1 crore within 3 years without raising my fund also i can see from last 3 months funds are getting decreasing
Ans: Your goal of achieving Rs 1 crore within three years is challenging. It requires high returns, disciplined investing, and a strategic approach. Below is a step-by-step plan to guide you.

Understanding Your Current Investment Scenario
Rs 30,000 SIP over three years amounts to Rs 10.8 lakh in total investment.

Achieving Rs 1 crore means targeting a significantly high annual growth rate.

Market fluctuations may cause short-term losses, as seen in your current funds.

Reasons for Fund Decrease in the Short Term
Equity markets can be volatile in the short term.

Returns from SIPs tend to stabilise over a longer period.

Temporary dips are common and not a cause for immediate concern.

Steps to Stay on Track Towards Rs 1 Crore
1. Focus on High-Growth Asset Classes

Allocate a higher percentage to equity-oriented funds.

Avoid debt funds, as they may not meet the aggressive growth needed.

 

2. Stick to Actively Managed Funds

Actively managed funds have a better chance of outperforming benchmarks.

Fund managers can navigate market volatility better than passive index funds.

 

3. Leverage Diversified Funds

Include large-cap, mid-cap, and small-cap exposure.

Diversification reduces risk and improves the potential for high returns.

 

4. Maintain Consistency with SIPs

Continue your SIP without interruption, even during market downturns.

Consistency benefits from rupee cost averaging.

 

5. Plan Portfolio Rebalancing

Review your portfolio every six months with a Certified Financial Planner.

Shift investments to less volatile funds as you approach your goal.

 

6. Avoid Emotional Decisions

Do not withdraw or stop SIPs during market corrections.

Focus on long-term goals, not short-term performance.

Disadvantages of Direct Funds
Direct funds lack professional guidance on market trends.

Selecting and managing funds independently can lead to errors.

Opt for regular funds through a Certified Financial Planner for tailored advice.

Importance of Reviewing Tax Implications
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term gains (STCG) are taxed at 20%.

Plan redemptions carefully to reduce tax liability while meeting your goal.

Alternatives to Boost Returns
1. Consider Lump Sum Investments

If you receive bonuses or savings, invest them as a lump sum.

This can complement your ongoing SIPs and increase your corpus.

 

2. Explore Balanced Advantage Funds

Balanced advantage funds dynamically manage equity and debt.

These funds balance growth potential with volatility management.

 

3. Monitor Market Cycles

Invest additional funds during market corrections for higher growth.

Use such opportunities to optimise your portfolio’s returns.

Final Insights
Reaching Rs 1 crore with Rs 30,000 SIP in three years is ambitious. It requires market support, disciplined investing, and an equity-heavy portfolio. Focus on staying consistent and seeking professional advice for periodic reviews and adjustments. Avoid panic due to short-term market fluctuations, as equity markets require patience to deliver results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |8317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

Asked by Anonymous - Feb 22, 2025Hindi
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Hello Sir, I am investing in share markets through buying directly in primary markets. I did not have privilege of having a good job and a permanent salary for long period I invest and circulate my own money. After so many years I have portfolio of 60 lacs in markets. How can I reach 1 crore figure as early as possible? I'm also investing Rs. 14000 in mutual funds every month in many funds. Please suggest how can I achieve this figure asap?
Ans: You have built a strong portfolio over the years. Growing your portfolio from Rs 60 lakh to Rs 1 crore needs smart strategies. A mix of discipline, diversification, and risk management will help.

Current Financial Position
Stock Market Portfolio: Rs 60 lakh
Mutual Fund SIPs: Rs 14,000 per month
Investment Approach: Direct stocks and mutual funds
Income Source: No fixed salary, self-managed investments
Key Strategies for Reaching Rs 1 Crore Faster
Optimise Your Stock Portfolio
Avoid over-diversification. Too many stocks reduce focused growth.
Invest in companies with strong earnings and future potential.
Book partial profits when stocks reach targets.
Avoid speculative trading and penny stocks.
Increase SIP Investments Gradually
Rs 14,000 SIP is good but increasing it will help.
If cash flow allows, raise SIPs by 10-15% annually.
Invest in actively managed equity mutual funds for better returns.
Avoid index funds as they lack flexibility in dynamic markets.
Use Market Cycles to Your Advantage
Invest more when markets fall.
Book partial profits when markets rise and reinvest in corrections.
Keep some funds ready for buying opportunities.
Avoid emotional investing based on market noise.
Avoid Overexposure to Risky Assets
Do not invest too much in small and mid-cap stocks.
Balance between stable large-cap stocks and growth-oriented stocks.
Keep a part of your portfolio in mutual funds for stability.
Mutual Fund Strategy for Faster Growth
Choose the Right Funds
Actively managed equity funds provide better returns than index funds.
Invest through a Certified Financial Planner to select the best funds.
Avoid investing in too many schemes. Stick to a few high-quality funds.
Avoid Direct Plans for Better Growth
Regular funds provide guidance from experts.
Direct plans need deep market knowledge and continuous tracking.
A well-managed portfolio can outperform unmanaged direct funds.
Tax Planning for Maximum Returns
Long-term capital gains (LTCG) on equity mutual funds above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Plan redemptions to reduce tax burden.
Final Insights
Optimise your stock portfolio with selective investments.

Increase mutual fund SIPs gradually for better compounding.

Invest more during market corrections and book profits at peaks.

Reduce exposure to high-risk stocks and funds.

Take guidance from a Certified Financial Planner for portfolio review.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4477 Answers  |Ask -

Career Counsellor - Answered on May 04, 2025

Career
which nit/iiit/gfti can i get with ews quota category rank 30127 in josaa counselling round and in which round
Ans: Kumar, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4477 Answers  |Ask -

Career Counsellor - Answered on May 04, 2025

Asked by Anonymous - May 03, 2025
Career
Jee mains 79.431 per IIIT me admision mil sakta hai kya
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1195 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on May 03, 2025

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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