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Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Oct 13, 2022

Mutual Fund Expert... more
Ramamohan Question by Ramamohan on Oct 13, 2022Hindi
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I want to invest ten lakh in an MF that can give me 10% growth Y on Y. Pls advise

Ans: Hybrid funds will be suitable; you can invest in ICICI Pru Balanced Advantage Fund – Growth

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  |6986 Answers  |Ask -

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

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Please suggest 4 MF's for investment of Rs 10 k sip. It should be growth and open ended... Srinivasulu
Ans: Srinivasulu! Here are four mutual fund options for your SIP investment of Rs. 10,000 each:

Large Cap Fund: Invest in a large-cap fund for stability and growth potential. These funds typically invest in well-established, large companies with a track record of steady performance.
Multi-Cap Fund: Opt for a multi-cap fund to diversify across different market capitalizations, including large-cap, mid-cap, and small-cap stocks. These funds offer flexibility to capitalize on opportunities across the market spectrum.
Mid Cap Fund: Consider investing in a mid-cap fund for exposure to mid-sized companies with potential for higher growth. These funds can be more volatile but offer the opportunity for significant returns over the long term.
Flexi Cap Fund: Choose a flexi cap fund for the flexibility to invest across market capitalizations based on the fund manager's assessment of market conditions. These funds adapt to changing market dynamics and aim to deliver consistent growth.
Ensure you review the fund's performance, track record, and consistency before making your investment decision. It's also essential to stay invested for the long term and regularly review your portfolio to ensure it remains aligned with your financial goals.

Remember, consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals.

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Ramalingam

Ramalingam Kalirajan  |6986 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 10, 2024Hindi
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I am 50... I want to invest 10k every month in different mf. Can you suggest
Ans: Crafting a Diversified Mutual Fund Investment Plan
Investing in mutual funds can be a prudent strategy to build wealth over the long term. Let's design a portfolio that suits your needs.

Understanding Your Investment Objectives
Genuine Compliments: It's inspiring to see your commitment to investing even at the age of 50. Your proactive approach towards securing your financial future is commendable.

Empathy and Understanding: I understand that at this stage of life, you may have specific financial goals and risk tolerance levels that we need to consider while designing your investment plan.

Assessing Investment Options
Benefits of Actively Managed Funds: Actively managed funds offer the expertise of professional fund managers who actively select investments to outperform the market.

Disadvantages of Index Funds: While index funds offer low fees, they passively track a market index, limiting potential for outperformance and customization.

Regular Funds Investing through MFD with CFP Credential: Working with a Certified Financial Planner (CFP) who specializes in mutual funds can provide personalized guidance and ongoing portfolio management.

Building a Diversified Portfolio
Equity Funds: Allocate a portion of your investment to equity funds to capture the potential for long-term capital appreciation, albeit with higher volatility.

Debt Funds: Diversify your portfolio with debt funds to provide stability and generate regular income, especially as you approach retirement age.

Balanced Funds: Consider investing in balanced funds, which provide a mix of equity and debt exposure, suitable for investors seeking a balanced risk-return profile.

Conclusion
By diversifying your investments across different mutual fund categories and seeking guidance from a Certified Financial Planner, you can build a robust portfolio that aligns with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |6986 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

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Hi sir right now 22 I want to invest in MF around 2500 per month for next 28 years suggest some best MF
Ans: Investing in mutual funds is a smart decision. It's a great way to build wealth over time. Starting at 22 gives you a long investment horizon, which is advantageous.

Benefits of Mutual Funds
Diversification: Spreading risk across various assets.
Professional Management: Managed by experienced fund managers.
Liquidity: Easy to buy and sell.
Convenience: Suitable for different financial goals.
Evaluating Investment Options
Avoid index funds. They often track market indices passively. This means lower returns compared to actively managed funds.

Disadvantages of Index Funds:

Lower Flexibility: Limited to the index performance.
No Active Management: No adjustments based on market conditions.
Potential for Mediocre Returns: Follows the average market performance.
Instead, consider actively managed funds. They aim to outperform the market. Professional fund managers adjust the portfolio based on market trends.

Benefits of Actively Managed Funds
Higher Return Potential: Aims to beat the market.
Professional Management: Fund managers actively monitor and adjust the portfolio.
Flexibility: Can adapt to market changes.
Regular Funds vs Direct Funds
Investing through a Certified Financial Planner (CFP) has distinct advantages over direct funds.

Disadvantages of Direct Funds:

Lack of Professional Guidance: No expert advice.
Time-Consuming: Requires constant monitoring.
Higher Risk: Without professional insights, the risk increases.
Benefits of Regular Funds with CFP:

Professional Advice: Access to expert insights.
Better Decision Making: Informed investment choices.
Regular Monitoring: Constant portfolio reviews and adjustments.
Risk Management: Strategies to mitigate potential risks.
Recommended Strategy
Diversified Portfolio: Invest in a mix of large-cap, mid-cap, and small-cap funds.
Systematic Investment Plan (SIP): Invest Rs 2500 monthly via SIP.
Long-term Horizon: Continue investing for the next 28 years for optimal returns.
Steps to Start
Choose a Reliable Fund House: Ensure credibility and good track record.

Consult a Certified Financial Planner: Get personalized advice.

Start SIP: Automate your monthly investments.

Review Regularly: Monitor and adjust based on performance.

Final Insights
Starting early with mutual funds is commendable. By avoiding index funds and opting for actively managed funds, you can aim for better returns. Investing through a CFP provides professional guidance, ensuring informed decisions and effective risk management. Keep investing consistently, review periodically, and stay focused on your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Anu

Anu Krishna  |1281 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Oct 07, 2024
Anu

Anu Krishna  |1281 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

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Help me!!! 1.I'm starting new "work" on my own(challenging for me) but my mind says quit it, be quite & do nothing. I myself don't know that wether the result of work will be +ive or uncompleted like alws. 2. My mind has become like order seeker type, when someone orders me, I do those things with dedicated(but sad from inside) manner. But when myself will try something different(which i fear, but necessary) then. "I QUITS IT" & sometimes I don't even start. 3. I'm like stuck no clue what/whom I want to do in life, I'm in cllg(1 yr) doing (CSE) ,. 4. I want to do/try (sports,talking girls,study,stocks,coding..) many things, but myself, my thoughts(overthinker), R like just be in the place where u are[confused,po*n,think about past/future(being billio..re,olympics..), girl (that u liked & never talked), abusive/beating self,.. sometimes feels like end life, but don't hv courage for that also.. 5. I tried self help books, spirituality, god, self affirmation, writing... & thay affected me(sometimes) but for only some time, then again that devil me comes up &these things never get completed. As no one in my family knows about all these, so that's Y ,I hv to fight/loose/try again, the battles with myself.
Ans: Dear Harsh,
If in the past you have had the urge to QUIT, how is this time going to be different? This is not to discourage you from taking up 'new work' but pointing out that there is some amount of work that you need to put to clear the mind out of blockages.
-What is limiting you?
- What is the reason for putting off things?
- What comes first to the mind when you start something new?
Also, focus on one thing at a time; study and go deep into it...what's this thing with work? I don't understand. When the mind is unsettled, take one thing/activity, pursue it and finish it. It could simply be studying for Year 1 of your college...just only do that...once your mind is trained in completing an activity, you can add another one the next year along with studying and then pursue both...it could be some sport and studying...then the next year, you could add a third activity. This is called 'training the mind in discipline'. Discipline will make sure that you start and finish things...So, go slow and do one thing at a time.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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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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