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Ramalingam Kalirajan |9255 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 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 Kartick on Apr 24, 2024Hindi

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I am investing in SIP just 4 months away in Quant small cap fund direct growth. Any suggestion for changes?

Ans: Considering your current investment in SIP with Quant Small Cap Fund Direct Growth, here are some suggestions:

Regular Funds with Mutual Fund Distributor (MFD):
Regular funds offer the advantage of professional guidance and personalized support from Mutual Fund Distributors (MFDs).
MFDs can provide valuable insights, portfolio reviews, and guidance tailored to your financial goals and risk profile.
Regular funds typically include the distributor's commission in the expense ratio, which helps cover the cost of their services.
Benefits of Regular Funds with MFD:
Emotional Support: MFDs can offer emotional support during market volatility, helping you stay disciplined and focused on your long-term investment objectives.
Professional Guidance: MFDs possess expertise in financial markets and investment products, offering personalized advice to optimize your investment strategy.
Portfolio Monitoring: MFDs can monitor your portfolio regularly, making proactive adjustments as needed to align with changing market conditions and your financial goals.
Considerations for Switching:
Evaluate the performance of Quant Small Cap Fund Direct Growth relative to its benchmark and peer group.
Assess the level of support and guidance you currently receive from your MFD and determine if it meets your needs.
Compare the expense ratios of regular funds with those of direct funds to understand the impact on your overall returns.
Next Steps:
Schedule a meeting with your Mutual Fund Distributor to discuss your investment portfolio and goals.
Seek their advice on transitioning from direct funds to regular funds that align with your risk tolerance and investment objectives.
Review the impact of any potential changes on your investment strategy and make informed decisions accordingly.
By considering the benefits of regular funds with Mutual Fund Distributors, you can enhance the support and guidance you receive while optimizing your investment portfolio for long-term success.

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 RAKESHKUMAR - Dec 07, 2022Hindi

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My monthly SIP is as follows. Please suggest necessary changes if required. Looking for wealth creation or long term investment up to 15 years. SBI SMALL CAP FUND DIRECT GROWTH- 2000 SBI FOCUSED EQUITY DIRECT GROWTH - 4000 SBI FLEXICAP FUND DIRECT GROWTH - 2000 MIRAE ASSET EMERGING BLUECHIP FUND -2000 HDFC TOP 100 GUND – 2500

Ans: No change required

Ramalingam Kalirajan |9255 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2024

Question by Smruti - Jun 01, 2023Hindi

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I have following SIP, Now my monthly investment in 11000 in total. I can go up to 15000 per month, Please suggest me what else SIP i can do or if i want to do any modification in the below SIPs. IDFC Focused Equity Fund-Growth-(Direct Plan) - 2000 SBI Technology Opportunities Fund Direct Growth - 1000 SBI Blue Chip Fund direct growth- 2000 Axis Blue-chip -2000 SBI Contra Fund -2000 HDFC Index Nifty 50- 2000

Ans: Considering your current SIP portfolio, you may consider diversifying further across different asset classes and investment themes. You could explore adding SIPs in sectors like healthcare, consumer goods, or emerging markets for diversification. Additionally, consider increasing exposure to mid-cap or small-cap funds for potential higher returns over the long term. Reviewing your portfolio periodically with a financial advisor can help ensure it remains aligned with your financial goals and risk tolerance. Also, consider increasing your SIP amount gradually to maximize wealth accumulation over time.

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

Asked by Anonymous - Apr 11, 2024Hindi

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I am investing in SIP since last 5 years in Nippon Smallcap 10k, ICICI Bluechip 10k, ICICI Flexicap 2.5k, Edelweiss midcap 10k, Edelweiss multicap 10k, Mirae large 5k, Mirae large & midcap 2.5k and Axis smallcap 5 k. Any suggestions for change?

Ans: Your current portfolio shows a good mix across various segments. To enhance diversification, consider adding exposure to thematic or sectoral funds, focusing on emerging trends or sectors with growth potential. Reassess fund performance regularly and replace underperforming funds with better alternatives. Keep monitoring your risk exposure and ensure it aligns with your goals. Considering your long-term horizon, maintaining a balanced portfolio with a mix of growth and stability-oriented funds is crucial. Consulting with a financial advisor can provide personalized insights and help align your investments with your financial goals and risk tolerance.

Samraat Jadhav |2359 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 23, 2024

Asked by Anonymous - Apr 19, 2024Hindi

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I am investing in SIP since last 6 months in Nippon Smallcap 1k, ICICI small cap 1k, Tata small cap 1k, axis midcap 1k, Nippon large cap 1k, SBI large 1k, Motilal Oswal midcap 1k DSP nifty fifty 1k and HDFC balanced 1.5k. Any suggestions for change?

Ans: if your vision is for 10yrs plus then dont change

Ramalingam Kalirajan |9255 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by ARITRIK - Apr 20, 2024Hindi

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I am investing in SIP since last 5 years. My age is 34. Salary - 70K. Icici bluechip - 3K, icici pharma healthcare - 4k, Quant Flexicap - 5K, Quant smallcap -1.5K, Quant ELSS - 3K, SBI Multicap - 2K, Sbi Magnum midcap - 1K, Tata Digital India - 2K, Hdfc hybrid equity - 2K. Kindly give your valuable suggestions & changes to be made.

Ans: It's impressive to see your dedication to SIP investing over the past five years, especially at your age. Your portfolio showcases a blend of funds across various sectors and market caps, reflecting a diversified approach to wealth creation.

However, let's examine your current allocations. Are you comfortable with the level of risk in your portfolio? Given your age and income, it's essential to ensure that your investments align with your risk tolerance and financial goals.

Consider consolidating your holdings to streamline your portfolio. Are there any overlapping funds or sectors? Simplifying your investments can make it easier to track and manage them effectively.

Furthermore, assess the performance of each fund regularly. Are there any underperformers or funds that no longer fit your investment thesis? Just as a gardener prunes branches to encourage growth, trimming your portfolio may enhance its overall health and performance.

Lastly, stay informed about market trends and economic developments. Are there any emerging sectors or themes that warrant attention? Adapting your portfolio to capitalize on opportunities can potentially boost returns over the long term.

In summary, while your current portfolio displays a commendable commitment to wealth creation, periodic review and adjustments are crucial for optimizing performance and aligning with your financial objectives. Keep nurturing your investments with care, and they're likely to flourish in the years ahead.

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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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