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Should I rebalance my investment portfolio with HDFC Small Cap IDCW-R 2000, Quant Small Cap Growth 2000, and HDFC Mid Cap Opportunity Fund?

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 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 - Jul 23, 2024Hindi
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Hi I have invested in hdfc small cap IDCW-R 2000, Quant small cap growth 2000 and Hdfc mid cap apportunity fund 1 lacs please advise for better future.

Ans: Your investments show a good mix of small and mid-cap funds. This is a positive start as it can provide higher returns over the long term.

Small Cap Investments
Small cap funds have the potential for high growth. They can outperform large caps over the long term. However, they are volatile and can be risky. Consider your risk tolerance before investing more in this category. Diversify with other asset classes to balance risk.

Mid Cap Investments
Mid cap funds offer a balance between growth and stability. They have the potential for significant returns. They are less volatile than small caps. This makes them a good addition to your portfolio. Keep a close eye on their performance.

Regular Review and Rebalancing
Review your portfolio regularly. This helps in staying aligned with your financial goals. Rebalance if needed. This ensures your portfolio remains diversified. Regular review helps in taking timely action.

Importance of Goal-Based Investing
Link your investments to specific goals. This makes it easier to track progress. Set short-term and long-term goals. Align your investments accordingly. This helps in staying focused and disciplined.

Benefits of SIPs
Systematic Investment Plans (SIPs) help in disciplined investing. They average out market volatility. SIPs ensure regular investment and can provide good returns over time. Continue with your SIPs for long-term wealth creation.

Emergency Fund and Liquidity
Maintain a sufficient emergency fund. Park it in liquid funds for easy access. This ensures you can handle unexpected expenses. A well-planned emergency fund provides financial stability.

Professional Guidance
Consider consulting a Certified Financial Planner. They can provide tailored advice. A CFP helps in optimizing your portfolio. They guide you in making informed decisions. Professional advice ensures you stay on track with your goals.

Risk Management
Assess your risk tolerance regularly. Adjust your investments based on your risk profile. Diversify across various asset classes. This minimizes risk and ensures steady growth.

Tax Planning
Consider the tax implications of your investments. Invest in tax-efficient instruments. Tax planning helps in maximizing returns. Be aware of the tax benefits and liabilities.

Final Insights
Your current investments are a good start. Continue with disciplined investing. Regularly review and rebalance your portfolio. Align your investments with your financial goals. Seek professional guidance when needed. This ensures long-term financial stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

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Hi sir Iam 38 years old.. From past 10 months Iam investing in quant small cap MF for around 50 K .. Now I have decided to reduce my SIP to 25 K in quant small cap and add another 25 K in Parag Parikh flex cap >>hope this 2 funds are good ? >>I have 5 Lakh cash .. which I want to invest lumsum in HDFC balanced Advantage growth plan MF , every month 1 lakhs for 5 month Hope the HDFC MF and my decisions is correct ? Reason for selecting HDFC. To get decent rerun .. not much risk
Ans: Investment Strategy Assessment
Your decision to diversify your investments is commendable.

Investing Rs. 25,000 in Quant Small Cap Fund and Rs. 25,000 in Parag Parikh Flexi Cap Fund can provide a balanced approach.

Fund Analysis
Quant Small Cap Fund:

Small-cap funds can provide high growth potential.
They come with higher risk due to market volatility.
Reducing your SIP in this fund can help balance risk.
Parag Parikh Flexi Cap Fund:

Flexi cap funds invest across market capitalizations.
This provides flexibility and reduces risk.
Parag Parikh Flexi Cap Fund is known for its strong management.
Balanced Approach
Your strategy of splitting investments between small-cap and flexi-cap funds can offer:

Growth Potential: From small-cap investments.
Stability: Through the diversified nature of the flexi-cap fund.
Lump Sum Investment
Investing Rs. 5 lakhs in HDFC Balanced Advantage Fund over five months is a good approach.

HDFC Balanced Advantage Fund:

Balances between equity and debt, reducing risk.
Provides a cushion against market volatility.
Suitable for investors seeking moderate risk and decent returns.
Investing in Tranches
Investing Rs. 1 lakh monthly over five months has benefits:

Reduces Risk: Through rupee cost averaging.
Smoothens Volatility: By spreading out investments.
Your Decision
Your choices show a balanced approach towards growth and stability.

Benefits of Professional Advice
Working with a Certified Financial Planner (CFP) has advantages:

Expertise: Tailored financial planning.
Guidance: On fund selection and portfolio management.
Disadvantages of Direct Funds
Direct funds may seem cost-effective but have drawbacks:

Lack of Guidance: No expert advice on fund selection.
Time-Consuming: Requires more research and monitoring.
Benefits of Regular Funds through MFD with CFP Credential
Investing through Mutual Fund Distributors (MFD) with CFP credential offers:

Professional Advice: Expert guidance on fund choices.
Comprehensive Planning: Integrated financial strategies.
Holistic Investment Planning
For a 360-degree investment solution, consider:

Diversification: Across asset classes and market segments.
Regular Review: Of your portfolio to align with goals.
Risk Management: Balancing between growth and stability.
Final Insights
Your investment decisions show a strategic approach.

Diversifying between small-cap and flexi-cap funds can offer balanced growth.
Investing in HDFC Balanced Advantage Fund can provide stability.
Consulting a Certified Financial Planner ensures tailored advice and better portfolio management.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Anu

Anu Krishna  |1327 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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I 25M) have been in a Long Distance Emotional Relationship with a College Friend (25F) whom I'd known since more than 3 years. Although, neither of us has explicitly confessed to each other, but we both seemed to have strong Feelings for each other. We both have shared a lot of personal matters about ourselves, with each other (which are unknown to even some of our Closest Friends). We both share similar Values & Outlook towards various aspects of Life (including our Long Term Career Goals). We both used to chat on WhatsApp almost everyday, sharing our experiences, opinions, knowledge etc. I used to Flirt with her by writing Romantic Poetry for her, once she'd also confessed that she's falling for me. But what has stopped us both from proposing Love to one another is the difference in our Family Background (I'm from a Telugu Speaking Hindu Brahmin Family & she's from a Malayali Catholic Christian Family, but we both studied together from a College in Gujarat). As of now, we both are in different States Studying/Working in different fields. But both of us have been preparing for UPSC, which is our ultimate Career Goal & we also used to discuss the Subject matter & Preparation Plans, helping out each other. Presently, the Problem is that She seems to have Ghosted me (since a Month) citing a silly reason that her Phone got Damaged (she'd said something like this even in 2021), but I see her active on various Social Media Platforms, regularly. I have tried reaching out to her through all the Social Media Platforms & have even called her up, but there's no Response at all, from her side. I am not able to understand why she has Ghosted me like this, atleast she could have honestly told me the actual Reason. Sometimes, I feel guilty that I must have been a distraction to her Studies. But I have very strong Feelings for her, which I'd never felt for any other Girl & I believe that we can have a Future together. We both could continue complementing each other in the course of UPSC Preparation & acting as each other's motivation & emotional support (as seen in the Movie "12th Fail"). And if we both successfully clear UPSC together, we could try to convince our Parents for Marriage (these are not just my Fantasies, even she had indirectly expressed her interest in sharing her Future Life with me). Now, I don't understand what to do? How to reach out to her & sort out things between us? If not reconciliation, I believe that I deserve atleast a definite closure with Honest communication. Though, I am going along with my UPSC Preparation, every now & then, I can't Help thinking of her, I'm feeling Lonely, her Emotional & Intellectual Company would be a great Help in the course of my Preparation. She's always been a Positive Motivation not a Distraction in my Career Path. Please advise me, how do I get back at her, presently, she's working in a different State, so reaching out to meet her in person is not feasible & I have unsuccessfully tried out all other means of Communication. What should I do now? I want to hear from her again, I'd feel satisfied even if she breaks it up with me, honestly stating the Reason. I am feeling restless due to this Uncertainty. Should I persistently keep trying to reach out to her, through different means, without giving up on her, until she Responds, Hoping that she'd appreciate my consistent efforts & reconsider the Relationship with me? Or would you advise any other approach, which is better, according to you?
Ans: Dear Anonymous,
You really need to STOP putting yourself through this.
The reason for your restless state is the dependency that you have been having on her, chats with her, the emotional base with her knowing well enough that there has been no prior agreement on commitment in this relationship. But that's the way the heart is, no?
So, there has been freedom with both of you to go away when you please, to see other people etc...

You have possibly been more into this connection that she has been into it and this has led to expectations from your end.
Go silent and maybe this will give her an idea of missing you if she truly has feelings for you. When you do this, you give yourself some breathing space as well on things that need your focus and also will also reveal if she really wants you as a part of her life. This space is difficult but really important.

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

...Read more

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Milind Vadjikar  |691 Answers  |Ask -

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Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 18, 2024Hindi
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Relationship
My age is 30 gf is also of same age ..we have caste issue and she is being hindu..but we love each other deeply ..we are in strong seriously relationship since 5 years ..but suddenly now she has cheated with me with a guy of same caste and too rich..now i am devasted ..i have done everything for her she asked for and i have given my blood sweat and tears to work it this relation into marrige...since i found out my gf had cheated on me i am not in myself..my left chest always has mild to severe pain when i think about her .it is just sudden change of emotions..when i am doing my work i forgets about her but not able to focus and it is reflecting on my performance...please confirm what should i do now .she has said sorry multiple times ..but i cannot trust her the same way and not able to love her same way as it is use to be...though my feelinga for her never gonna die but this feeling only killing me please confirm what should do please
Ans: Dear Anonymous,
Heartbreaks can show up in the body as aches and pains; but do visit the doctor to rule out any issue causing the pain in your chest.
I would suggest 'taking a break' from your relationship to process what has gone on...being cheated upon is not easy to digest and you need the time to understand what has happened.
Yes, loss of trust can be very difficult to repair but whether you want to forgive her or not, trust her again or not are things to be dealt with as you go into this 'break mode' as it will allow the anger to heighten, simmer and then dull down while the importance of this person in your life will arise where you can then ask yourself if you wish to continue this relationship or you actually can do away with it.
I do feel that you will benefit from working with a professional on this as your mind state can interfere in the process of reflection and healing. So, do consider that as well...
I will not say that Time Heals, but Time gives you an opportunity to reflect and learn...

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

...Read more

Anu

Anu Krishna  |1327 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Relationship
I (30M) am looking for suitable match through Arranged Marriage Platforms. Recently, I had connected with a Lady (25F) who seemed to tick all the Boxes, which I preferred in a Life Partner & she seemed to like me too, we both were getting along quite well through chatting & phone calls. When we met, in person for the first time, I POLITELY asked her what's her BODY COUNT (while mentioning that my Body Count is Zero, as I am VIRGIN). Immediately, she lost her Temper, started abusing me & splashed her Drink all over my Face & Clothes, she was physically assaulting me, when the waiters intervened & calmed her down. I was feeling Humiliated in Public. She threatened that she would Report me to the Police for 'SEXUAL HARASSMENT'. Realising that she could ruin my Life, I apologised to her earnestly & made Peace. Needless to say, she ended all contact with me. But, this incident has left me emotionally bruised. Did I do anything Wrong by asking my prospective Life Partner about her Sexual History? Don't I have the Right to know about this aspect of the Woman, I'd be Marrying? Was she right in taking offence at my Question? Can her Reaction be Justified? Does my Question warrant a Criminal Case against me (something as Heinous as 'Sexual Harassment')? How do I handle such situations in the Future? Should I avoid asking, any other prospects, in the future m, such sensitive personal Questions? What do I do, in case, any other Lady, behaves aggressively with me? Would it be better, if I Record our entire conversation, secretly, using a Bodycam, as a Pro-Active measure, to prove my Innocence & defend myself against Criminal Proceedings? Would it be Legal, to Record our Conversation, without her Knowledge or Consent? Or shall I seek her Consent & Proceed cautiously? Please Advise me, how to handle such sensitive situations, in the Future.
Ans: Dear Anonymous,
Things have definitely changed in the dating and marriage scene from what it was even 20 or 10 years back...
But hey, I still have my reservations on whether women are comfortable answering very intimate questions...do you not think that a question on body count can be reserved to a future meeting maybe when the two of you show interest in each other and when transparency is vital to further the connection?
Right on Day 1, what is the necessity to jump about and get curious about it? Maybe if someone asked you, you would be okay with it but not everyone or every woman is going to be comfortable with it.
When you pay attention to what the other person wants and likes, there are minimal chances of you slipping up and irking them; where is the question then to take care of legal stuff, recording etc...
Genuinely be there with the other person in a conversation and when the rapport is built, the conversation flows effortlessly and you will start to enjoy it. Start to get curious about who they are as people rather than how many people they have slept with...This should help you!

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

...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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