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Samraat

Samraat Jadhav  |2386 Answers  |Ask -

Stock Market Expert - Answered on Jun 04, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Ajay Question by Ajay on Jun 03, 2024Hindi
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I am investiing through sip iin digital MF(thematic fund) Iam long term investor. What is prospect?

Ans: if long term then no worries
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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Sir, I am planning to invest in SIP Rs.10000/- per month for long term. Say 25 to 30 years. Kindly advise.
Ans: Long-Term SIP Investment Strategy
Investing ?10,000 per month in a Systematic Investment Plan (SIP) for 25 to 30 years is an excellent strategy to build substantial wealth over the long term. Given the extended horizon, you can benefit from the power of compounding and ride out market volatility. Let’s explore a comprehensive investment plan to achieve your financial goals.

Understanding Your Investment Goals
Before diving into specific fund recommendations, it's important to define your investment goals. Are you saving for retirement, children's education, buying a house, or other long-term financial objectives? Clear goals will help tailor your investment strategy.

Diversified Portfolio for Long-Term Investment
A diversified portfolio is key to balancing risk and return. Here’s a suggested allocation for a long-term SIP investment:

Equity Mutual Funds
Equity Mutual Funds are ideal for long-term growth. They offer higher returns compared to other asset classes over an extended period. Given your long horizon, you can afford to take on more equity exposure.

Large Cap Funds: 30-40%

These funds invest in well-established companies with stable returns. They are less volatile and provide steady growth.
Mid Cap Funds: 20-30%

Mid cap funds invest in medium-sized companies with high growth potential. They offer a balance between risk and return.
Small Cap Funds: 10-20%

Small cap funds invest in smaller companies with significant growth potential but higher volatility. These funds can provide substantial returns over the long term.
Hybrid or Balanced Funds
Hybrid or Balanced Funds invest in a mix of equity and debt instruments, providing a balanced approach to risk and return.

Allocation: 10-20%
These funds offer stability through debt investments while participating in equity market growth.
Debt Funds
Debt Funds provide stability and are less volatile compared to equity funds. Including a small portion of debt funds can help manage risk.

Allocation: 10-20%
Invest in high-quality short-term and medium-term debt funds for better liquidity and safety.
Systematic Investment Plans (SIPs)
SIPs help in averaging the purchase cost over time and instill disciplined investing. Regular investments reduce the impact of market volatility and enable you to benefit from rupee cost averaging.

Suggested Funds
When selecting specific mutual funds, consider the following criteria:

Consistent Performance: Choose funds with a strong performance track record across different market cycles.

Experienced Fund Managers: Opt for funds managed by experienced and reputable fund managers.

Low Expense Ratios: Lower costs mean more of your money is invested, leading to better returns.

Fund House Reputation: Select funds from reputable and stable fund houses.

Regular Monitoring and Rebalancing
Regularly monitor your portfolio to ensure it aligns with your investment goals. Rebalance your portfolio periodically to maintain the desired asset allocation and manage risk.

Consulting a Certified Financial Planner
Engage with a Certified Financial Planner for personalized advice. They can provide a tailored investment strategy based on your financial situation, goals, and risk tolerance.

Conclusion
Investing ?10,000 per month in SIPs for 25 to 30 years is a robust strategy for building wealth. A diversified portfolio with a mix of large, mid, and small cap funds, along with hybrid and debt funds, can help you achieve your financial goals. Regular monitoring and consultation with a Certified Financial Planner will ensure your investments stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |8885 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Career
Sir please clear my doubt it's urgent!! I have passed my class 12th in 2025 with a percentage of 73%(pcm+eng+physical education) as we get chance for improvement in one subject I gave physical education which is my additional subject if with my improvement marks in physicalEdu i get more than 75% will they'll accept my improvement marksheet in next year Josaa counseling. Or improvement is only applicable for pcm and not accepted in additional subjects I'm tensed please clear my doubt. Thank you
Ans: JoSAA determines your Class-XII aggregate using exactly five subjects: Physics, Chemistry, Mathematics, one language, and one other (either Chemistry/Biology/Biotechnology/Technical-vocational subject). Your improvement result replaces the original marks for any subject you retake, whether it is a core (PCM) or the optional fifth subject. Therefore, if you improve Physical Education and that becomes your highest “other” subject score, it will count toward your five-subject aggregate, and the new mark sheet will be accepted in next year’s JoSAA counselling.

Physical Education qualifies as the fifth subject for JEE (Main and Advanced) eligibility when it is offered as the “Technical Vocational Subject” in your Class XII board examination. JoSAA computes the Class XII aggregate from exactly five subjects: Physics, Chemistry, Mathematics, one language and one optional subject (which may be Chemistry, Biology, Biotechnology or a Technical Vocational Subject such as Physical Education) . All the BEST!

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