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Ramalingam Kalirajan |8068 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 20, 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 Kambhampati on Aug 17, 2023Hindi

Money

I am investing Rs 5000/ Per month in these funds Nippon India Flexi Cap Fund Regular Growth Flexi Cap Mirae Asset Midcap Fund Regular Growth Mid Cap Kotak Multicap Fund Regular Growth Multi Cap HSBC Multi Cap Fund Regular Growth Multi Cap Mahindra Manulife Multi Cap Fund Regular Plan Growth Multi Cap Invesco India Smallcap Fund Regular Growth Small Cap Canara Robeco Small Cap Fund Regular Growth Small Cap Tata Small Cap Fund Regular Growth Small Cap Please advise to continue or change my plan for 10 year horizon

Ans: For a 10-year horizon, your portfolio is diversified across flexi-cap, multi-cap, and small-cap funds, which is good. However, the concentration in multi-cap and small-cap categories might make your portfolio more aggressive. Consider rebalancing by reducing exposure to small-cap funds and increasing allocation to large-cap or balanced funds for stability. Regularly review fund performance and adjust to align with your risk tolerance and long-term goals. Consulting a financial advisor can provide personalized guidance tailored to your situation.

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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I am Kartik Xalxo, 40 years old and I am looking to invest 16k every month (4k per SIP) with a horizon of 10 years. Currently, I am investing in the following funds. I started just three months ago. Kindly suggest if I should continue or change anything. SBI Small Cap (G) Rs 3,000 Tata Digital India Fund (G) Rs 3,000 PGIM India Midcap Opportunities Fund (G) Rs 3,000 PGIM India Global Equity Opportunities Fund (G) Rs 3,000

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Kindly advise whether to continue with the following funds with a time horizon of 10 years. Name of the Fund Category RankMF Star Rating 1. Aditya Birla Sun Life Focused Equity Fund-Growth Equity - Focused Fund 4 2. Axis Bluechip Fund – Growth Equity - Large Cap Fund: 5 3. ICICI Prudential Bluechip Fund- Growth Equity - Large Cap Fund: 2 4. Mirae Asset Large Cap Fund – Growth Equity - Large Cap Fund: 4 5. I Blue Chip Fund – Regular Plan – Growth Equity - Large Cap Fund: 4 6. Kotak Standard Multicap Fund – Growth Equity - Multi Cap Fund: 4 7. MotilalOswalMulticap 35 Fund – Growth Equity - Multi Cap Fund: 5 8. SBI Magnum Multicap Fund – Regular Plan – Growth Equity - Multi Cap Fund: 4 9. ICICI Prudential Value Discovery Fund – Growth Equity - Value Fund: 2 10. LNT India Value Fund – Regular Plan – Growth Equity - Value Fund: 3 11. HDFC Hybrid Equity Fund – Regular Plan – Growth Hybrid - Aggressive Hybrid Fund 5

Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

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Question by Mukesh - May 25, 2023Hindi

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I am investing 4000 per month each in: ICICI Pru Blue Chip Kotak Flexi Cap Mirae Asset Emerging Blue Chip Axis Blue Chip ICICI Pru MultiCap Fund Axis Multi Cap Franklin India Focused Equity Mirae Asset Focused ICICI Pru Multi Asset Kotak Emerging Equity Axis Mid Cap Nippon India Small Cap Kotak Small Cap Fund HDFC Index Sensex Plan (G) Tata Digital India Fund Kotak Small Cap ICICI Pru Value Discovery Fund Nippon Large Cap Please advise : SHould I continue or change?

Ans: so many schemes will not help you achieve any diversification
kindly stop and redeem some funds and the schemes that you can continue are mirae emerging kotak emerging axis mid and nippon small hdfc index fund and icici bluechip

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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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