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Kirtan

Kirtan A Shah  |77 Answers  |Ask -

MF Expert, Financial Planner - Answered on Jul 18, 2023

Kirtan A Shah is a certified financial planner and managing director, private wealth, at Credence Family Office.
He is also a Certified International Wealth Manager and Financial Engineering and Risk Manager.
Shah is the co-author of Financial Service Management and Financial Market Operations, which are used as reference books for Mumbai University.
He is frequently seen on CNBC, Zee Business, ET NOW & BQ Prime as an expert guest.... more
sedrick Question by sedrick on Jul 18, 2023Hindi
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Dear Sir, I have been investing via SIP in DSP value fund since 30 months. It is showing 10% increase. IS it worth, or shall I switch to some better MF. Please also suggest any good scheme. Thanks

Ans: When you invest, try making a portfolio which is diversified. In the scheme that you have mentioned you are only taking exposure to Value style of investing. Have a more broader portfolio which also has growth style of investing + has exposure to mid and small caps as well. You may consider the below,

- ICICI Large & Mid
- Kotak Emerging
- PPFAS Flexicap
- SBI Small Cap
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  |8027 Answers  |Ask -

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

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Hello Hardik, Iam 40 Years and have started investing in SIP for the past 6 months.Below are my monthly investment 1. Parag Parikh Flexi Cap Regular Growth - 3500 2. Canara Robeco Small Cap Fund Growth - 3000 3. HDFC Retirement Savings Fund Equity Growth - 3000 4. NPS - 3500 I am planning for 18 Years of investment and aiming to slowly increase the SIP to achieve corpus of 2.5-3.0 Cr. Kindly review and advice. Regards, Ram
Ans: Hi Ram,

It's great to see that you've started investing systematically towards your long-term financial goals. Here's a review of your current SIP investments:

Parag Parikh Flexi Cap Regular Growth: This fund follows a diversified approach across various market caps and geographical regions, which can provide stability to your portfolio. It's suitable for long-term wealth creation.
Canara Robeco Small Cap Fund Growth: Small-cap funds can be volatile in the short term but have the potential to offer high returns over the long term. Ensure you're comfortable with the risk associated with small-cap investments.
HDFC Retirement Savings Fund Equity Growth: This fund is designed to provide wealth accumulation for retirement. It's aligned with your long-term investment horizon and retirement goal.
NPS: The National Pension System (NPS) is a retirement-focused investment option offering tax benefits. It's prudent to contribute to NPS alongside other investments for retirement planning.
To achieve your target corpus of 2.5-3.0 Cr over 18 years, consider periodically reviewing your SIP contributions and adjusting them based on changes in your income, expenses, and market conditions. Additionally, diversify across asset classes to manage risk effectively.

As your financial goals evolve, consider consulting with a Certified Financial Planner to ensure your investment strategy remains aligned with your objectives.

..Read more

Ramalingam

Ramalingam Kalirajan  |8027 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 20, 2025

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Hi Gurus , Finally last month I have started my investment in MF thru sip in following funds *Hdfc mid cap direct 4k* *tata small direct 4k* *Sbi bluechip direct4k* *Paragh flexi direct 4k* I did all sip through grow app I will wait next 15- 20years is this good any suggestions
Ans: Investing in mutual funds is a step in the right direction. Your portfolio showcases diversity and long-term focus. A 15–20-year horizon is excellent for wealth creation. Let’s review and refine your strategy.

Portfolio Review
Mid-Cap Funds
Mid-cap funds offer a mix of growth and risk. They outperform large-caps over the long term.

Small-Cap Funds
Small-cap funds are ideal for aggressive growth. However, they are more volatile.

Large-Cap Funds
Large-cap funds provide stability in your portfolio. They act as a cushion during downturns.

Flexi-Cap Funds
Flexi-cap funds are versatile. They allocate dynamically across market capitalisations.

Disadvantages of Direct Funds
While direct funds save commission costs, they require constant monitoring.

Professional Expertise Lacking
A Certified Financial Planner (CFP) ensures a well-structured portfolio.

Market Timing Risk
Direct investors may make emotional decisions during volatility.

Portfolio Review
Regular funds offer continuous reviews by professionals.

Holistic Financial Guidance
An MFD with CFP certification provides personalised investment advice.

Suggestions for Improvement
Your portfolio is good but can be fine-tuned for better results.

Diversification Across Categories
Add a hybrid or balanced fund to reduce risk.

Sectoral Funds
If confident, allocate a small portion to sectoral funds.

Avoid Overlapping Funds
Check for duplication of holdings in existing funds.

Taxation Impact
New taxation rules make tax-efficient investing important.

Equity Funds
Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.

Short-Term Capital Gains
Gains from investments held for less than one year are taxed at 20%.

Plan Tax-Efficient Withdrawals
Use these rules for optimal tax management at redemption.

Benefits of Staying Invested
Compounding Benefits
Long-term investing amplifies wealth through compounding.

Mitigates Volatility
Staying invested reduces the impact of market fluctuations.

Goal-Oriented Investing
A 15–20-year horizon aligns with long-term goals.

Actionable Steps
Consolidate Portfolio
Avoid too many funds. Stick to 4–5 well-performing ones.

Periodic Reviews
Review your portfolio every year with a CFP for alignment with goals.

Reinvest in Underperformers
Switch funds only if underperformance persists for 2–3 years.

Consider Professional Advice
Switch from direct to regular funds for expert guidance.

Final Insights
Your SIP strategy is on the right track. Small adjustments can optimise it further. Focus on professional advice and consistent reviews to maximise returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Radheshyam

Radheshyam Zanwar  |1236 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 22, 2025

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Hi My daughter get 72 percentile in jee mains 1 i dont know what happened to her otherwise she is a good student scored 94% in her 10th boards ..if i will look for some private engineering college in india pls suggest i will go with pune or will look for management quota seat for csc from banglore. Pls suggest preference order of btech college in banglore
Ans: Hello Vandana.
Requesting you not to panic at this early stage. Let her appear for JEE session 2 and the state-level engineering entrance test. Let all the results out. You have ample time to think about the available options for engineering admission. At this stage, no need to think about management quota unless and until you want a particular branch in a particular college. Depending on her score in upcoming exams, she may get admission to reputed engineering either in Pune or Bengaluru
Here are some colleges in Bengaluru: (1) R.V. College of Engineering (RVCE) (2) B.M.S. College of Engineering (BMSCE) (3) M.S. Ramaiah Institute of Technology (MSRIT) (4) PES University (5) Bangalore Institute of Technology (BIT) (6) Dayananda Sagar College of Engineering (DSCE) (7) Sir M. Visvesvaraya Institute of Technology (SMVIT) (8) BMS Institute of Technology and Management (BMSIT&M) (9) Nitte Meenakshi Institute of Technology (NMIT) (10) RNS Institute of Technology (RNSIT)
Suggestion - Don't panic. Keep cool yourself. Ask your daughter to focus more on JEE 2nd attempt and state-level engineering entrance test.

If you are satisfied with the reply, pl follow me or else ask again without hesitation.
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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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