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Ramalingam Kalirajan |10870 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 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

Question by Binay on Dec 15, 2023Hindi

Money

Hi Sir, I have been investing in the following mututal funds since 4 years in the form of SIP. my investment horizon is 15 years. 1) PGIM Ind Midcap Opp Dir-IDCW : 2500 2) Nippon Ind Small Cap Dir-IDCW : 2000 3) SBI Small Cap Dir-G : 1500 4) Axis Small Cap Dir-IDCW : 2500 5) Nippon Ind Multi Cap Dir-IDCW : 3000 6) Quant Infra Reg-IDCW : 2000 7) Axis Midcap Dir-IDCW : 2000 8) Parag Parikh Flexi Cap Dir-G : 2000 9) Quant Multi Asset Reg-IDCW : 3000 10) Mirae Asset Emrgng Bluechip Reg-IDCW : 2500 Can you please help me out on below queries .... 1) Exit/Continue in above mututal funds? 2) How much amount will be generated after 15 years? 3) Willing to invest 5000 more, please suggest mututal funds Thanks

Ans: Review the performance of each fund and consider factors like consistency, fund manager expertise, and alignment with your investment goals. Exit funds with consistently poor performance or if your investment thesis has changed. Continue with funds that have demonstrated strong performance and align with your long-term goals.

To estimate the amount generated after 15 years, consider the historical returns of each fund, but remember past performance is not indicative of future results. Utilize online calculators or consult a financial advisor for a more accurate projection based on your specific investment amounts and expected returns.

For additional investments of 5000 per month, consider diversifying across different asset classes like large-cap, mid-cap, and flexi-cap funds to spread risk. Research funds with a track record of consistent performance and align with your risk tolerance and investment horizon. Consulting a financial advisor can provide personalized recommendations based on your financial goals and risk profile.

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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Question by Pradeep - Jul 01, 2023Hindi

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Hello sir I'm 53 year old and currently I have invested on below funds 5000/PM and paln to have corpus of INR 2cr by 60 years. 1. Quant active fund-G 2. Quant mid cap fund -G 3. BOI AXa small cap fund 4. Canara Robo small cap fund 5. Mahindra manulife mid cap 6. Quant small cap fund 7. PGIM India flexi cap fund 8. Quant felixi cap fund 20K/Month 1. Parag Parikh flexi cap fund 2. PGMI mid cap opportunity fund 3. Quant active fund Growth 4. Woc felixi cap fund Pls advise if these are good SIP or I should exit some or start a new SIP..u may also guide any good MF for SIP or one time investment.. Regards RPJ

Ans: For you to get to 2crs in 7yrs, assuming 12% xirr, your sip amount needs to be Rs1.5L
Generally i avoid flexi cap funds, instead you can go for the following categories for your sip:
Small cap
Mid cap
Large and mid
Thematic - Consumption
Multicap
Focused

For Lumpsum you can select the same funds where you are having your sip's and the STP can be 15-20 weeks starting today.

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

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Question by Binay - Dec 13, 2023Hindi

Money

Hi Sir, I have been investing in the following mutual funds since 4 years in the form of SIP. my investment horizon is 15 years. 1) PGIM Ind Midcap Opp Dir-IDCW : 2500 2) Nippon Ind Small Cap Dir-IDCW : 2000 3) SBI Small Cap Dir-G : 1500 4) Axis Small Cap Dir-IDCW : 2500 5) Nippon Ind Multi Cap Dir-IDCW : 3000 6) Quant Infra Reg-IDCW : 2000 7) Axis Midcap Dir-IDCW : 2000 8) Parag Parikh Flexi Cap Dir-G : 2000 9) Quant Multi Asset Reg-IDCW : 3000 10) Mirae Asset Emrgng Bluechip Reg-IDCW : 2500 Can you please help me out on below queries .... 1) Exit/Continue in above mutual funds? 2) How much amount will be generated after 15 years? 3) Willing to invest 5000 more, please suggest mutual funds Thanks

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

Ramalingam Kalirajan |10870 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 2024

Asked by Anonymous - Dec 18, 2023Hindi

Money

Hello Sir, I have been investing since 1year in *HDFC Index Fund Nifty 50 Plan Direct -8k *PGIM India Flexicap Fund Direct -5k *Canera Robecco Bluechip Equity Fund -5k. Should I continue in these funds? Or exit SIP in any of these? Please suggest if this is good as per current market status? I would like to invest for 3-5 years. If want to consider small cap fund, Nippon or Quant, which do you suggest. Thank you????

Ans: Given your investment horizon of 3-5 years, your current fund selection appears to be diversified, covering large-cap, flexi-cap, and blue-chip equity segments. Here are some considerations:

HDFC Index Fund Nifty 50 Plan Direct: As an index fund tracking the Nifty 50, it provides exposure to the top 50 companies in the Indian market. Since it's a passive fund, ensure you're comfortable with the index's performance and outlook.

PGIM India Flexicap Fund Direct: This flexi-cap fund offers flexibility to invest across market capitalizations based on market conditions. Flexi-cap funds can adapt to different market cycles, potentially offering better risk-adjusted returns.

Canara Robecco Bluechip Equity Fund: Blue-chip funds typically invest in well-established, large-cap companies with a history of stable performance. They can provide stability to your portfolio.

Review the performance of each fund, their investment strategy, expense ratios, and the current market outlook. If you're considering adding a small-cap fund for diversification, both Nippon and Quant are reputable options. Evaluate their past performance, investment approach, and risk profile before making a decision. Consider consulting with a financial advisor for personalized advice based on your financial goals and risk tolerance.

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

Question by Sanjeev - Dec 28, 2023Hindi

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Dear Sir, I Sanjeev Kumar, aged 42 years investing in following investment, I would like to have your option that these saving are quite enough to accumulate to fund value of 70 to 80 lac in next 10 to 12 years. 1. Aditya birla multicap fund --- Rs 1000 PM (SIP) 2. Invesco flexi cap fund -------- Rs 1000 PM (SIP) 3. Invesco india multi cap fund ----- Rs 1000 PM (SIP) 4. Kotak Multicap fund ------ Rs 1000 PM (SIP) 5. Kotak emerging equity fund ----- Rs 1000 PM (SIP) 6. Kotak tax saver fund ------- Rs 500 PM (SIP) 7. Nippon multicap fund -------- Rs 1000 PM (SIP) 8. Union Tax saver fund --------- Rs 1500 PM (SIP) 9. LIC -------------------------- 52000 (annually) 10. PPF ----------------------- 1.5 lac (annually) 11. NPS --------------------- 5000 Rs (annually) I would also like to hear from you, that whether reshuffling is required in portfolio. Eager to hear from you soon.

Ans: Your investment strategy with SIPs in various mutual funds, LIC, PPF, and NPS is diversified, which is good. To accumulate 70-80 lakhs in 10-12 years, consider increasing SIP amounts annually to align with your goal and ensure you're investing in line with your risk tolerance. Review and rebalance your portfolio periodically for optimal returns.

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Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

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I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

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Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

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Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

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I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

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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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