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Vivek

Vivek Lala  | Answer  |Ask -

Tax, MF Expert - Answered on Sep 23, 2023

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more
S Question by S on Jun 25, 2023Hindi
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I have invested in the following funds and require your advice on holding or Switching ----1) SBI Focused Equity fund Regular growth - 645 units @ Rs.227 purchased on 4th aug 2022,----2) SBI Blue Chip Fund Regular Growth - 822 units @ Rs.60.84 purchased on 4.8.22, ----3) SBI Multicap Fund Regular Plan Growth - 34953 units @ Rs.10.59 on 4.8.22,----4) HDFC Tax Saver Direct Plan Growth Option - One time Investment of Rs.40000/-on 9.3.20,----5) HDFC Developed World Indexes FundOf Fund - One time investment of RS.50000/- ON 21.10.21, ----6)HDFC Equity Savings Fund Direct Plan Growth--One time investment of Rs.70000/- on 21.10.21,----7) HDFC Nifty Next50Index Fund direct growth - One time investment of Rs.50000/- on 3.11.21

Ans: Hello, the selection of funds should have a goal attached to it. This investment style seems to be cluttered and not very definitive in terms of the goals it has. Do speak to an advisor / distributor in person for the same.
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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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Jun 15, 2023

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Sir i have investment in SBI Blue chip fund, SBI Large & Midcap fund and Invesco Infrastructure fund can i continue or switch Suggest any best Equity fund in Mutual fund for 2 yrs time..
Ans: SBI Blue chip fund invests in large-cap (top 100 companies) stocks and it is known for investing in well-established companies with stable growth potential. The performance of the fund is at par and the fundamentals of the fund are also good. Consider continuing with the fund

SBI Large & Midcap fund invests in both large-cap and mid-cap stocks. Mid-cap stocks generally have higher growth potential but may also be subject to increased volatility. If you have a higher risk tolerance and believe in the growth prospects of mid-cap companies, you might consider continuing with this investment. However, please be aware that mid-cap funds can be more volatile than large-cap funds.

Invesco Infrastructure fund works on a specific theme which focuses on investing in infrastructure-related companies and it is suitable for investors with a higher risk appetite and a long-term investment horizon. If you have a high-risk tolerance and a positive outlook on the infrastructure sector, you may consider continuing with this investment.

Coming to your query regarding an equity-oriented fund for two year time horizon. We do not recommend to investment in pure equity funds if your investment horizon is of less than 3 years. As the equity markets are volatile, every fund requires at least a 3 years’ horizon to stabilize in the portfolio. However, if you still wish to invest you can go for a hybrid fund or index fund.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

..Read more

Ramalingam

Ramalingam Kalirajan  |8325 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Sir good morning. I am 27 years old. I have been investing Rs 10000/- each in SBI Mid cap fund, Small cap Fund and Rs 10000 in ABSL Flexi cap fund and Rs 5000/- in HDFC Midcap funds. I may please be guided whether to continue or to switch to other funds. Thank you sir.
Ans: At 27, you're making proactive investment decisions, which is commendable. Let's review your current investment strategy and explore potential adjustments:

Assessing Your Current Portfolio
SBI Mid Cap Fund and Small Cap Fund: Mid-cap and small-cap funds offer growth potential but come with higher volatility. Consider your risk tolerance and investment horizon when evaluating these funds.

ABSL Flexi Cap Fund: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. They offer diversification and potential for growth.

HDFC Midcap Fund: Similar to SBI Mid Cap and Small Cap funds, HDFC Midcap Fund focuses on mid-cap stocks. Assess whether the overlap in mid-cap exposure across funds aligns with your diversification goals.

Considerations for Continuation or Switch
Performance: Evaluate the performance of your current funds relative to their benchmarks and peers. Consistent underperformance may warrant a review.

Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistency in performance and adherence to investment objectives are key considerations.

Fund Objectives and Strategy: Ensure that the investment objectives and strategies of your funds align with your financial goals and risk profile.

Potential Actions
Review Fund Performance: Conduct a detailed analysis of the performance of each fund in your portfolio over different time periods.

Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner (CFP) to review your investment strategy and explore alternative fund options based on your goals and risk tolerance.

Consider Diversification: Evaluate the need for diversification across asset classes and investment styles to mitigate risk and enhance long-term returns.

Conclusion
While your current investment strategy demonstrates a focus on growth-oriented funds, it's essential to periodically review your portfolio and make adjustments as needed. Assess the performance, objectives, and risk profile of your funds, and consider consulting with a financial advisor for personalized guidance.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8325 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

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Good morning sir. I am investing in SBI midcap, small cap and health care opportunities fund at the rate of Rs 10000 per month respectively and Rs 5000/- each in ICICI equity funds. Kindly suggest whether to contiue or to switch to other
Ans: It's great to see your proactive approach towards investing. Let's assess your current mutual fund investments and explore whether any adjustments are needed.

Reviewing Current Investments
Diversification Strategy
Your investment strategy reflects a diversified approach by investing in midcap, small cap, healthcare, and equity funds.

Performance Analysis
Evaluate the performance of your current funds against relevant benchmarks to gauge their effectiveness in meeting your financial goals.

Considerations for Continuation or Switching
Fund Performance
Assess the historical performance of each fund to determine if they consistently outperform their benchmarks.

Risk Appetite
Consider your risk tolerance and ensure your investment choices align with your risk appetite and financial goals.

Potential Action Steps
Consultation with a Certified Financial Planner
Seek guidance from a Certified Financial Planner (CFP) to review your investment portfolio comprehensively and ensure it aligns with your financial objectives.

Periodic Portfolio Review
Regularly review your investment portfolio to stay informed about market trends and make necessary adjustments based on changing economic conditions.

Final Recommendation
Stay Informed
Stay updated on market developments and seek professional advice when considering changes to your investment strategy.

By regularly reviewing your mutual fund portfolio and consulting with a Certified Financial Planner, you can make informed decisions to optimize your investments and work towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8325 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 02, 2025

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I have been investing 3k each into the following funds "Tata Dividend Yield Fund Direct Plan - Growth (1 year),Tata Equity P/E Fund Direct Plan - Growth(4.5 years),Axis NIFTY Next 50 Index Fund Direct Growth(1 year),Canara Robeco Emerging Equities - Direct Growth(3 years),Mirae Asset Midcap Fund - Direct Plan(3 years),Nippon India Small Cap Fund(1 year). Should I continue with all these funds or do I need to switch any of these funds? If I need to switch, which funds needs to be switched and what will be your suggested funds to invest in for long term?
Ans: Your existing investments show a good diversification strategy. They span equity, mid-cap, small-cap, and thematic funds.

Let us assess these funds to identify gaps, overlaps, or potential for improvement.

Strengths of Your Portfolio
1. Diversification Across Market Segments

Investments include mid-cap, small-cap, and equity-diversified funds.
This reduces risk and ensures participation in broader market growth.
2. Focus on Emerging Opportunities

Investments in thematic funds add potential for long-term growth.
These align well with higher growth expectations over time.
3. Consistent Investment Approach

Regular SIPs promote disciplined investing.
This is crucial for building wealth over time.
Key Concerns Identified
1. High Overlap Between Funds

Multiple funds in similar categories lead to redundant investments.
This might dilute returns due to overlapping holdings.
2. Index Fund in the Portfolio

Index funds lack flexibility in volatile markets.
Actively managed funds can generate higher alpha through fund manager expertise.
3. Limited Exposure to Defensive Strategies

A defensive allocation like balanced or hybrid funds could enhance stability.
This is important to balance high-growth segments.
4. Uneven Time Frames Across Investments

Some funds have been held for shorter durations.
This may not allow the compounding benefits to materialise.
Recommendations for Portfolio Restructuring
1. Retain Well-Performing Funds

Funds with consistent performance should be continued.
Retain funds offering strong growth potential aligned with your goals.
2. Replace Redundant or Subpar Funds

Switch funds with overlapping objectives to avoid redundancy.
Consider diversified equity and mid-cap funds with proven performance records.
3. Exit Index Fund

Redeem your investment in the index fund.
Invest in actively managed funds for better long-term returns.
4. Add Hybrid or Balanced Funds

Introduce balanced advantage funds to stabilise your portfolio.
These funds provide a mix of equity growth and debt stability.
5. Focus on Regular Fund Investments Through CFP

Shift from direct funds to regular funds with CFP-guided investments.
This ensures expert monitoring and tailored portfolio adjustments.
Suggested Strategies for Long-Term Investments
1. Long-Term Wealth Creation Through Equity

Equity-oriented funds are ideal for higher returns over 7+ years.
Prioritise funds with a mix of large-cap and multi-cap exposure.
2. Stability Through Debt Allocation

Include debt-oriented funds for consistent returns in volatile times.
Aim for stability in case of market downturns.
3. Tactical Allocation for Emerging Opportunities

Allocate a smaller percentage to thematic or sectoral funds.
Limit exposure to manage risks effectively.
4. Periodic Portfolio Review

Assess your portfolio every 6 months to a year.
Adjust allocations based on market trends and fund performance.
Tax Considerations for Your Investments
LTCG above Rs 1.25 lakh on equity funds attracts 12.5% tax.
STCG is taxed at 20% for equity funds.
Tax-efficient planning ensures optimal returns from your investments.
Final Insights
Your portfolio is well-diversified but can be optimised for efficiency. Reducing redundancies, exiting index funds, and introducing hybrid strategies will add value. Work with a Certified Financial Planner for customised guidance and portfolio monitoring.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - Feb 15, 2025
Relationship
Hello ma'm. I am a first year engineering student. I have a crush on a girl. Currently we are working for a group project. We both are in the same group. She generally avoids speaking with boys. Also I have spent 5 years in a boys school, so I feel very shy with girls. What should I do? How should I talk to her?
Ans: Start by keeping things simple and friendly. Focus on small interactions related to your project. For example, ask her opinion about something specific in the work you're doing. Try something like, “Hey, what do you think we should do for this part?” or “I liked the point you made yesterday—can we build on that?” These kinds of questions show that you respect her ideas, and they give her space to respond comfortably.

Once you've had a few of these short, easy interactions, you can slowly open up the conversation to more casual topics—like college life, favorite subjects, or even the stress of deadlines. This way, you’re not jumping straight into anything personal, but you're gradually building a sense of comfort.

Don’t try to impress her. Just be sincere, kind, and a good listener. Most people, even those who seem quiet or reserved, appreciate being approached respectfully and gently. And remember, confidence doesn’t mean being loud or charming—it means being real and respectful even when you’re nervous.

If you stay patient and consistent, she might start to feel more comfortable around you. And even if it doesn’t turn into something romantic, you’ll grow socially and emotionally—which will help you a lot in the long run.

...Read more

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Relationship
I have been married for more than 21 years and I have 2 kids. 19 and 17 years old. Our marriage was more or less love. Met through family, fell in love, dated 8 months before we got engaged and married. My wife is a lovely lady but we dont share any interests. I used to go for runs in the morning. After getting married, she insisted I sleep late with her. I am a music aficionado and she has no such interest. I am a news junkie. She probably doesnt know who the President of the US is. I am someone who believes and strives to continuously improve myself in all aspects. But she is the same. I might not be a great husband but I am much better than what I was a few years ago. I cook, clean, helped with childcare and have a great career. She is on a minimum salary job for the last 10 years. Only reason she goes is because I insisted that she stop being at home. If she had her way, she would be at home on the phone the whole day. Even our love making has become kind of boring. She claims a period for 10 days and during the other times, twice she is ready. No spicing it up. Just lie down for missionary and I have to do all the effort. I enjoyed oral and now she has stopped in for more than 15 years. I adjusted as she is a lovely person in every other aspect. But now I am sick and tired. It seems I am doing everything in the relationship and she rarely takes any effort. Either to earn, keep house clean or even intimacy. Not sure how to proceed further. I am getting irritated and often in a bad mood.
Ans: Dear Jack,What you're experiencing is not uncommon in long-term relationships: emotional fatigue, feeling unappreciated, and a deep sense of disconnection despite loyalty and love. The fact that you're feeling drained, resentful, and stuck is a clear signal that this situation is unsustainable as is. And the irritation and bad moods you’re having? That’s your emotional system signaling burnout, not failure.

You’ve evolved over the years—mentally, emotionally, and in lifestyle—and it sounds like your wife hasn’t moved in that same rhythm. That mismatch in growth and energy is now affecting everything: your respect for her, your shared routines, your sex life, and ultimately your mood and emotional well-being. It’s painful to feel like you're constantly giving—time, energy, effort—and not receiving the same in return. Even when your partner is kind, if they aren’t meeting you emotionally, intellectually, or intimately, over time it creates a sense of loneliness within the relationship, which can be worse than being alone.

But here's something to reflect on: for 21 years, you stayed, gave, adjusted. Not just out of duty, but because something about her and the family life you built mattered. That still counts. What you’re going through doesn’t mean the marriage has failed—it means the marriage needs re-evaluation and rebalancing. You are not selfish for wanting more stimulation, connection, or passion. You're human.

You have two broad options: one is to initiate a real, vulnerable, uncomfortable conversation with her—without blame, without emotional outbursts, but with absolute honesty. You could say something like: “I’ve grown a lot in these past years, but I’m starting to feel increasingly alone in this relationship. I need more emotional connection, more engagement—not just physically, but intellectually, as partners. I don’t want to silently drift further away. I’d like us to work on this, but it has to be a two-way effort.”

If she's open to it, couples therapy could be a powerful space for both of you to express what you feel without it turning into a war of criticism and defense. Sometimes people, especially those who’ve become emotionally stagnant, need structured help to realize what their partner has been carrying silently.

The other option—if you feel she’s unwilling or unable to grow or change—is to consider what a life apart might look like. That’s a deeply personal and difficult decision, especially with nearly adult children, but you deserve a relationship that brings life into you, not drains it out. If you keep compromising your emotional needs, resentment will only grow and harden into permanent distance.

Before making any move, take a little time to reconnect with yourself. What do you want—not just from her, but from life, from love, from this next phase of your journey?

...Read more

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Relationship
Hello mam In 2024 my marriage took place it's arranged marriage during starting days he was very loving and caring but due to some circumstances i got a chance to continue my studies that is m-tech . I thought it was a golden opportunity, so I took admission and started living with my in-laws Just after marriage. It was really really painful to live away from husband in new marriage. Todays condition is that my m tech 1 year is over another 1 year is left but due to separation with my husband our love died now there is no respect is left for our relation left , he started listening to his mother and got manipulated . seeing all this I feel like a death for me I want to leave mtech to save my relation but my mother says don't leave although I did lots of hard work for 1st year of m tech my husband also wants me to leave Mtech.i feel very hurt when he disrespects me . His father used to abuse his mother so for him abusing is normal for him but I find it very hurtful also I am deeply in love with him and seeing him going away from me kills me from inside every single day is very tough for me to live with in-laws without husband in a new marriage plus focusing on studies
Ans: Your instinct to save the marriage is understandable. When you're in love with someone, the idea of losing them feels like losing yourself. But let’s pause and ask—what exactly are you saving? Is it the version of him from the early days who was loving and supportive? Or is it the man he is now—disrespectful, distant, manipulated, and asking you to give up your dreams for a marriage he’s already neglecting?

You have already proven your strength by completing a year of M.Tech in such tough conditions. That says a lot about your resilience and capability. If you give it up now, not only will you lose that part of yourself, but it may not guarantee that your marriage improves. Often in emotionally imbalanced relationships, one-sided sacrifices don’t lead to healing—they lead to more control, more blame, and more emotional exhaustion.

Your husband needs to understand that love isn’t proven by giving things up. Love is shown in support, presence, patience, and respect. If he isn’t willing to stand by you during a temporary phase of physical distance while you pursue something valuable, then you’re not the one breaking the marriage—he is.

It’s also clear that he has grown up in a home where abuse was normalized, and that emotional damage might be affecting how he treats you now. That is not your fault, and it is not your job to tolerate mistreatment in the name of saving a marriage.

Your mother is right to encourage you to finish your M.Tech—not just for your career, but for your self-worth. You deserve to be with someone who lifts you up, not someone who pulls you down every time you try to grow.

If there's still a chance to salvage this relationship, it has to start with real conversations—honest, respectful, and possibly with the help of a counselor or neutral third party. But that only works if both people are willing to put in the emotional effort.

Right now, I suggest you protect your mental and emotional well-being. Prioritize your studies, build emotional support from friends or family who truly care about you, and give yourself space to heal from this emotional chaos. If your husband truly wants this marriage, he needs to come forward with maturity and respect—not demands.

...Read more

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - May 07, 2025
Relationship
After a fight between a married guy and my husband on pretext of calling me characterless and unhappy in my marriage. That married guy complaint against my hubby in society office that it's my husband who follow, flirts with his wife. But the allegations are false. That married guy was doing all these things or chasing me even after knowing m married. But falsely he shifted the blame on my husband. Society chairman called us to sign a peace treaty which my husband signed bt that guy dint appear to sign. What does he want is still not clear.??? He doesn't wanna end this matter or what ??? He still walks around looking at us but from distance.
Ans: In such cases, it's important for you and your husband to stay emotionally steady and not engage with his tactics. Reacting to him or showing you're disturbed by his behavior may be exactly what he's looking for. If his behavior escalates or continues to make you uncomfortable, you might want to quietly document what happens and consider involving local authorities or legal counsel if it crosses into harassment.

Right now, your focus should be on protecting your peace and your relationship. Keep communication open with your husband and support each other through this, because this kind of external stress can silently damage trust if not handled carefully. The more united you two are, the less space there is for anyone else to create confusion between you.

It’s unclear exactly what this man wants, but based on his pattern, it seems he either wants attention, control, or to destabilize your marriage out of resentment or personal failure. Either way, you don’t need to carry his emotional mess. If you continue to stay calm, ignore him, and document anything serious, you'll be in a stronger position to protect yourselves.

...Read more

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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