Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Samraat

Samraat Jadhav  |2366 Answers  |Ask -

Stock Market Expert - Answered on Apr 23, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Asked by Anonymous - Apr 19, 2024Hindi
Listen
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
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

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

Listen
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.

..Read more

Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

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

Listen
Money
Hii i am investing in SIP since 1 year in ICICI prudential commodities Fund direct growth Rs200 monthly, Tata digital India und direct growth Rs150 Monthly, HDFC Technology Fund direct growth Rs100 monthly, ICICI prudential Technology direct plan growth Rs100 monthly, Nippon India Pharma fund direct growth Rs300 monthly, Nippon India small cap fund direct growth Rs300 monthly, axis nifty IT index fund direct growth Rs1000 monthly, ICICI prudential bluechip fund direct growth Rs250 monthly, Aditya Birla Sun Life digital India fund direct growth Rs100 monthly, ICICI prudential NASDAQ 100index fund direct growth Rs300 monthly, HDFC transportation and logistics fund direct growth Rs200 monthly so I invested in above SIPs Total monthly i invest Rs3000 so please give me some suggestions or modifications if required
Ans: Your Current SIP Portfolio
You have been investing ?3,000 monthly across various SIPs for a year. Your chosen funds focus on technology, healthcare, commodities, and other sectors. This shows a good start towards disciplined investing.

Concentration in Technology Sector
A significant portion of your investments is in technology-focused funds. Technology funds can offer high returns but also come with high volatility.

Sector-Specific Funds
You also have investments in healthcare, commodities, and logistics funds. Sector-specific funds can be very volatile as they depend on the performance of their respective sectors.

Diversification
Your portfolio lacks diversification. Investing too much in a single sector increases risk. Diversification helps in balancing risk and returns.

Importance of Broad Market Exposure
Diversifying across different market segments reduces risk. Balanced exposure to large-cap, mid-cap, and small-cap funds is crucial. This strategy ensures you are not overly dependent on one sector's performance.

Adding Stability with Debt Funds
Including debt funds can provide stability. Debt funds offer regular returns and reduce the overall risk in your portfolio. This balance is vital for long-term growth.

Benefits of Actively Managed Funds
Actively managed funds can outperform index funds due to professional management. Fund managers actively select stocks to maximize returns. This can be advantageous, especially in volatile markets.

Disadvantages of Index Funds
Index funds mirror the market index and do not aim to outperform it. They lack flexibility in changing market conditions. Actively managed funds, on the other hand, adapt to market changes, providing better growth potential.

Direct Funds vs. Regular Funds
Direct funds have lower expense ratios but require thorough research and monitoring. Regular funds, through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP), offer professional guidance and management. This can be valuable for optimizing returns and managing risks effectively.

Suggested Modifications
Reduce Sector-Specific Overweight

Reduce the number of technology and sector-specific funds. This will help in balancing the portfolio and reducing sector-specific risks.

Increase Broad Market Exposure

Allocate more funds to diversified equity funds. Large-cap and multi-cap funds provide stable returns and reduce overall risk.

Include Debt Funds for Stability

Add debt or hybrid funds to your portfolio. This will provide regular returns and reduce the volatility of your overall investment.

Suggested Allocation
Technology Funds: Choose one or two funds to maintain some exposure but reduce concentration.
Broad Market Funds: Increase investment in large-cap and multi-cap funds for stable growth.
Debt Funds: Allocate a portion to debt funds for stability.
Regular Monitoring and Review
Monitor your investments regularly. Review fund performance annually and adjust your portfolio based on your financial goals and market conditions.

Conclusion
Your dedication to investing through SIPs is commendable. With a few adjustments, you can achieve a balanced and diversified portfolio. This will help you meet your long-term financial goals with reduced risk.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

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

Latest Questions
Adarsh

Adarsh Rai  |12 Answers  |Ask -

HR, Leadership coach - Answered on Jul 03, 2025

Asked by Anonymous - Jun 11, 2025Hindi
Career
Hi. I am currently 29. Married with no kids. Wife not earning. Planning for a kid this year. Monthly earning 60k post tax. Have savings of 2 lakhs. Have personal loan of 9 lakhs. Monthly expenses 40k including emi's. I have lost interest in job and I don't want to work anymore. I want to do business which can give monthly 50 to 60k income. Max I can invest 2lakhs. Is there any business which I can start with 2 lakhs and generate monthly income of 60k ? I am frustrated with working under an employer. I want to start my own venture. Please suggest.
Ans: Spandan, pause before you mail the resignation.

Your maths
60 k take-home
40 k spends (15 k of that is EMI on a 9 L loan)
→ 20 k buffer

A newborn will nudge monthly costs up by 8-10 k. Cash cushion shrinks fast.

So the plan must earn while you learn, not leap blind.

Keep the paycheck six more months.
Use evenings to test micro-ideas. Risk stays capped at ?0 for now.

Choose a “cash-this-month” niche, not a moon-shot.
Pick work that turns inventory ≤ ?50 k into sales inside 30 days.

Tiffin + office snacks (two dishes, 40 boxes) - ?25 k utensils, ?10 k FSSAI, ?5 k flyers - ?120 per box × 40 = ?4.8 k /day

Amazon / Flipkart reselling (phone cases, cables) ?40 k stock, ?15 k ads 25 % net margin on ?2 L monthly sales = ?50 k

Weekend print-on-demand & personalised gifting kiosk ?45 k heat-press kit (other options are there too) ?300 profit per mug × 200 pcs → ?60 k Bring Your Mug - Take Away Memories.

Local social-media management for clinics & salons ?0 gear, ?3 k Canva Pro ?8 k-?12 k per client; 6 clients hit target

None need heavy staff or rent. All can run beside your day job.

Set one simple goal: ?15 k profit by Day-30.
Hit it twice, raise target to ?35 k. Only when side income beats salary three months straight do you quit.

This is critical - Plug leaks early. Refinance personal loan to longer tenor; shave EMI to ~?10 k.

Park 1 L of savings in an emergency account—no touch.Skill up tiny, daily.
Watch a YouTube on ad copy, take a WhatsApp course on GST filings. Low cost, immediate payback.

Start small, sell fast, reinvest every rupee. Freedom comes, but by steps, not by one loud jump.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x