Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Ramalingam Kalirajan |2636 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

Money

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.

MoneyReply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 07, 2022

Question by RAKESHKUMAR - Dec 07, 2022Hindi

Money

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 |2636 Answers |Ask -Follow

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

Question by Smruti - Jun 01, 2023Hindi

Money

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.

Ramalingam Kalirajan |2636 Answers |Ask -Follow

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

Asked by Anonymous - Apr 11, 2024Hindi

Money

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 |1746 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 23, 2024

Asked by Anonymous - Apr 19, 2024Hindi

Money

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 |2636 Answers |Ask -Follow

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

Question by ARITRIK - Apr 20, 2024Hindi

Money

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.

Latest Questions

Vivek Lala |233 Answers |Ask -Follow

Tax, MF Expert - Answered on May 19, 2024

Asked by Anonymous - May 14, 2024Hindi

Money

HELLO SIR IM A BCOM GRADUATE WITH CA INTER QUALIFICATION AND DOING CA FINAL .. I WOULD LIKE TO EARN MONEY ECSPLY THROUGH ITR ;GST ;TDS FILING . CAN U PLS GUIDE ME ..how to earn money through GSTR FILING

Ans: Hello, please focus on your articleship and learn as much as possible. Once you become CA, the possibility to make money is endless, but getting the degree and the knowledge should be your first priority
You can connect with me on LinkedIn to get more guidance on the same
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Vivek Lala |233 Answers |Ask -Follow

Tax, MF Expert - Answered on May 19, 2024

Question by CHANDRASHEKHAR - May 14, 2024Hindi

Money

Which Mutual Fund can give me good monthly income to meet home needs

Ans: Hello, depending on your age , corpus , active income and duration of the investment the above question can be answered
If you have active then you don't need any cashflows from mutual funds, but if you don't have any active income then the thumb rule for SWP can be 4-6% of the corpus. If you maintain this with a balanced portfolio, your portfolio will give you good results over a period of 10-15-20yrs

Do let me know your views on this on my LinkedIn profile, attaching my profile :
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Vivek Lala |233 Answers |Ask -Follow

Tax, MF Expert - Answered on May 19, 2024

Question by Bhogu - May 15, 2024Hindi

Money

Sir- In the present days of the volatile market please let me know whether opting for growth or dividend pay is advantageous while applying for MFs.

Ans: Hello,
Never go for dividend options , if you need monthly cashflow from mutual funds then please go with the option of SWP - Systematic Withdrawal Plan under growth option as its better in terms of taxation

Vivek Lala |233 Answers |Ask -Follow

Tax, MF Expert - Answered on May 19, 2024

Question by Swapnil - May 19, 2024Hindi

Money

Requirement - 2 crore Time - 30 years Risk - Moderate Sir based on above requirements please suggest - 1. How much amount of SIP do I need to done 2. In which fund I need to invest to get the required amount.

Ans: In order to get to 2crs your sip amount has to be Rs.5800 for the next 30yrs
Risk in equity markets is the volatility that you see in the short term, due to the longer duration of your investment that risk gets mitigated
The funds that you can select are as follows :
Small cap 30%
Mid cap 30
Multi cap 20%
Large and mid cap 10%
Thematic funds 10% ( can be changed as per requirement )

Generally the investment amount should be 30% of your gross salary to get to your goals faster , so if you can do a higher investment per month, you should aim for that
Do let me know yours views on this on my LinkedIn profile, attaching my profile :
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Archana Deshpande |37 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on May 19, 2024

Asked by Anonymous - May 15, 2024Hindi

Career

I am not able to focus on work from few days and i am pregnant now 3 months completed. Should I better to resign or continue to till I get maternity leave?

Ans: Dear mother-to-be,
First of all congratulations, you are blessed, you are going to be a mother, celebrate the fact!!
Now to understand what is happening to your body, it is transforming on so many levels to support you and the growing life within you, accept the fact and cherish the fact, allow the whole world to take care of you!!
If you can continue working and you are happy going to work then continue working. If working is stressful and you can take a break then go for it!!
Have a safe pregnancy, birthing and a happy motherhood! Here's wishing both of you happy times ahead! Stay happy, stay blessed!!

Krishna Kumar |285 Answers |Ask -Follow

Workplace Expert - Answered on May 19, 2024

Question by Shobha - May 10, 2024Hindi

Career

I am 43 old, female, widow, with no money, no children, no job, totally depressed, completed B.tech comp.sc., 2009 passedout. WIth almost 12+ years of experience in Non-It (US mortgage process), i want to work in IT sector, is it possible at this age. Please advice

Ans: Hello Madam

I am sorry to hear your predicament...I can understand your pain. If you are really keen to work in IT sector then may I suggest you take up some online course in IT and then explore. I am sure with your passion you will make it.

All the best.

Krishna Kumar |285 Answers |Ask -Follow

Workplace Expert - Answered on May 19, 2024

Question by Bablu - May 12, 2024Hindi

Career

my son & daughter is just completed 10th please suggest future carrier to get good job for him with in 3 years

Ans: Hello Sir

Suggest you undertake Psychometric tests for your kids that will give an insight into the field that they are more suited for. Also suggest you talk to them and understand their area of interest. Kindly focus on getting them good education which are aligned to their area of interest.

All the best.

Krishna Kumar |285 Answers |Ask -Follow

Workplace Expert - Answered on May 19, 2024

Asked by Anonymous - Apr 22, 2024Hindi

Career

Hi I am 24. I have done my B A in English and I don't want to pursue for higher studies. Iwant to do a job but m not able to get a job cause of Arts background.

Ans: Hello

Not to disappoint you but yes getting a job in the basis of BA degree is not that easy... suggest you explore teaching opportunities and for that undertake necessary post graduate course like MA and B.Ed.

All the best.

Krishna Kumar |285 Answers |Ask -Follow

Workplace Expert - Answered on May 19, 2024

Question by Betsy - Apr 27, 2024Hindi

Career

Hello sir , i m B.com graduate and recently i quit my job. Now i am looking for job and i want to do some freelancing, could you please suggest any freelance options in the Market

Ans: Hello

Suggest you explore freelancing opportunities in the area of your experience and expertise...what you have been doing so far.

All the best.

Archana Deshpande |37 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on May 19, 2024

Question by Syed - Apr 17, 2024Hindi

Career

I have completed my B.E in Mechanical in 2021. But jobless till now due to many factors such as following: 1)Due to family issues 2)Low Salary packages inspite of longer distance travelling to office 3) Slow growth in the establishment 4) preparing for govt jobs No I am fed up with all above things... What to do ?

Ans: Hi!!
Syed, you are asking me what to do, here are my suggestions-
1. have clear goals with respect to your job
2. you have listed so may reasons for not taking up a job, now find a few reasons to take a job - your self respect, your own money to spend are some I can think of
3. it's very easy to quit a job, find reasons to stay
4. invest in your physical and mental well being, a clam and collected mind will take better decisions
5. I really won't say slow growth in an organisation, if I had finished engineering in 2021 and it is middle of 2024 now
6. preparing for Govt Jobs is a good idea, look into doing this thing well if you are really serious about it
7. give your 100% in everything you do Syed!! Let there be energy, enthusiasm and excitement in your search for a job, it's your life, take charge of it and see how you want it to unfold. Do all that which is in your control
8.you get fed up when you don't see progress and not celebrate your wins however small they may be! Every step you take towards your goal, pat yourself on the back, be your greatest cheer leader
9.do not compare yourself with others, compare only if you feel inspired
10. focus on your well being and happiness
11. take up a job and do well there, it is better to do a job than to sit idle or
12. look to upskill in an area you want to work, look for job oriented courses
13. seek help if need be

All the very best!!

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x