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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 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
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.
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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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

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

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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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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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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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