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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Jun 15, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Arjun on Jun 11, 2023Hindi

Money

Sir i have investment in SBI Blue chip fund, SBI Large & Midcap fund and Invesco Infrastructure fund can i continue or switch Suggest any best Equity fund in Mutual fund for 2 yrs time..

Ans: SBI Blue chip fund invests in large-cap (top 100 companies) stocks and it is known for investing in well-established companies with stable growth potential. The performance of the fund is at par and the fundamentals of the fund are also good. Consider continuing with the fund

SBI Large & Midcap fund invests in both large-cap and mid-cap stocks. Mid-cap stocks generally have higher growth potential but may also be subject to increased volatility. If you have a higher risk tolerance and believe in the growth prospects of mid-cap companies, you might consider continuing with this investment. However, please be aware that mid-cap funds can be more volatile than large-cap funds.

Invesco Infrastructure fund works on a specific theme which focuses on investing in infrastructure-related companies and it is suitable for investors with a higher risk appetite and a long-term investment horizon. If you have a high-risk tolerance and a positive outlook on the infrastructure sector, you may consider continuing with this investment.

Coming to your query regarding an equity-oriented fund for two year time horizon. We do not recommend to investment in pure equity funds if your investment horizon is of less than 3 years. As the equity markets are volatile, every fund requires at least a 3 years’ horizon to stabilize in the portfolio. However, if you still wish to invest you can go for a hybrid fund or index fund.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

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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Vivek Lala |301 Answers |Ask -Follow

Tax, MF Expert - Answered on Sep 23, 2023

Question by S - Jun 25, 2023Hindi

Money

I have invested in the following funds and require your advice on holding or Switching ----1) SBI Focused Equity fund Regular growth - 645 units @ Rs.227 purchased on 4th aug 2022,----2) SBI Blue Chip Fund Regular Growth - 822 units @ Rs.60.84 purchased on 4.8.22, ----3) SBI Multicap Fund Regular Plan Growth - 34953 units @ Rs.10.59 on 4.8.22,----4) HDFC Tax Saver Direct Plan Growth Option - One time Investment of Rs.40000/-on 9.3.20,----5) HDFC Developed World Indexes FundOf Fund - One time investment of RS.50000/- ON 21.10.21, ----6)HDFC Equity Savings Fund Direct Plan Growth--One time investment of Rs.70000/- on 21.10.21,----7) HDFC Nifty Next50Index Fund direct growth - One time investment of Rs.50000/- on 3.11.21

Ans: Hello, the selection of funds should have a goal attached to it. This investment style seems to be cluttered and not very definitive in terms of the goals it has. Do speak to an advisor / distributor in person for the same.

Ramalingam Kalirajan |7336 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Question by MSS - Jun 30, 2023Hindi

Money

Hi sir ,please advise me iam having axis blue chip fund(G), ICICI Pru Value discovery fund(G),Mirae Asset Large cap (g),Motilal Osawal Nifty bank index fund (G),Quant active fund (G), SBI flexi cap fund , can i continue above funds ,please advise me

Ans: Evaluating Your Mutual Fund Portfolio for Optimal Performance

Your existing portfolio comprises a mix of equity and index funds, reflecting a diversified approach to investment. Let's assess each fund's performance and suitability to determine whether to continue or make any adjustments.

Analyzing Your Current Holdings

Axis Blue Chip Fund, ICICI Pru Value Discovery Fund, Mirae Asset Large Cap Fund, SBI Flexi Cap Fund, and Quant Active Fund offer exposure to various segments of the equity market, providing diversification benefits.

Motilal Oswal Nifty Bank Index Fund focuses on tracking the performance of the Nifty Bank Index, offering exposure to the banking sector.

Performance Evaluation

Evaluate each fund's historical performance relative to its benchmark and peer group. Assess factors such as consistency of returns, risk-adjusted performance, and fund manager expertise.

Consider the fund's investment strategy, portfolio composition, and expense ratio. Ensure alignment with your risk tolerance and investment objectives.

Identifying Areas for Potential Adjustment

Overlapping Holdings: Review your portfolio for any overlapping holdings or duplicate exposures across funds. Consolidate similar investments to streamline your portfolio and optimize diversification.

Underperforming Funds: Identify any funds that consistently underperform their benchmarks or peers. Consider replacing them with alternatives that offer better prospects for growth and align with your investment goals.

Asset Allocation: Maintain a balanced asset allocation across different fund categories to manage risk effectively and achieve your long-term financial goals.

Recommendations

Continue Well-Performing Funds: Retain funds that have demonstrated consistent performance, robust fundamentals, and alignment with your risk profile. These funds contribute to diversification and long-term growth potential.

Review Underperforming Funds: Evaluate underperforming funds and consider replacing them with better alternatives. Focus on funds with strong track records, experienced fund managers, and clear investment strategies.

Seek Professional Guidance: Consult with a Certified Financial Planner to review your portfolio, identify areas for improvement, and develop a personalized investment strategy. Professional guidance can help optimize your portfolio and maximize returns over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7336 Answers |Ask -Follow

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

Question by Ram - May 17, 2024Hindi

Money

Sir good morning. I am 27 years old. I have been investing Rs 10000/- each in SBI Mid cap fund, Small cap Fund and Rs 10000 in ABSL Flexi cap fund and Rs 5000/- in HDFC Midcap funds. I may please be guided whether to continue or to switch to other funds. Thank you sir.

Ans: At 27, you're making proactive investment decisions, which is commendable. Let's review your current investment strategy and explore potential adjustments:

Assessing Your Current Portfolio
SBI Mid Cap Fund and Small Cap Fund: Mid-cap and small-cap funds offer growth potential but come with higher volatility. Consider your risk tolerance and investment horizon when evaluating these funds.

ABSL Flexi Cap Fund: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. They offer diversification and potential for growth.

HDFC Midcap Fund: Similar to SBI Mid Cap and Small Cap funds, HDFC Midcap Fund focuses on mid-cap stocks. Assess whether the overlap in mid-cap exposure across funds aligns with your diversification goals.

Considerations for Continuation or Switch
Performance: Evaluate the performance of your current funds relative to their benchmarks and peers. Consistent underperformance may warrant a review.

Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistency in performance and adherence to investment objectives are key considerations.

Fund Objectives and Strategy: Ensure that the investment objectives and strategies of your funds align with your financial goals and risk profile.

Potential Actions
Review Fund Performance: Conduct a detailed analysis of the performance of each fund in your portfolio over different time periods.

Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner (CFP) to review your investment strategy and explore alternative fund options based on your goals and risk tolerance.

Consider Diversification: Evaluate the need for diversification across asset classes and investment styles to mitigate risk and enhance long-term returns.

Conclusion
While your current investment strategy demonstrates a focus on growth-oriented funds, it's essential to periodically review your portfolio and make adjustments as needed. Assess the performance, objectives, and risk profile of your funds, and consider consulting with a financial advisor for personalized guidance.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ramalingam Kalirajan |7336 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

Question by Ram - May 20, 2024Hindi

Money

Good morning sir. I am investing in SBI midcap, small cap and health care opportunities fund at the rate of Rs 10000 per month respectively and Rs 5000/- each in ICICI equity funds. Kindly suggest whether to contiue or to switch to other

Ans: It's great to see your proactive approach towards investing. Let's assess your current mutual fund investments and explore whether any adjustments are needed.

Reviewing Current Investments
Diversification Strategy
Your investment strategy reflects a diversified approach by investing in midcap, small cap, healthcare, and equity funds.

Performance Analysis
Evaluate the performance of your current funds against relevant benchmarks to gauge their effectiveness in meeting your financial goals.

Considerations for Continuation or Switching
Fund Performance
Assess the historical performance of each fund to determine if they consistently outperform their benchmarks.

Risk Appetite
Consider your risk tolerance and ensure your investment choices align with your risk appetite and financial goals.

Potential Action Steps
Consultation with a Certified Financial Planner
Seek guidance from a Certified Financial Planner (CFP) to review your investment portfolio comprehensively and ensure it aligns with your financial objectives.

Periodic Portfolio Review
Regularly review your investment portfolio to stay informed about market trends and make necessary adjustments based on changing economic conditions.

Final Recommendation
Stay Informed
Stay updated on market developments and seek professional advice when considering changes to your investment strategy.

By regularly reviewing your mutual fund portfolio and consulting with a Certified Financial Planner, you can make informed decisions to optimize your investments and work towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Kanchan Rai |447 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Relationship

Hi Anu, My husband is in living relationship with another lady since April in another country. At the same time, he acused me as selfish for doing my PhD in my native country and put me in mental trauma by verbally accusing.Also,he was very clever, he step by step get rid of all the things related to our relationship and took bank all the bank fund in my name.After that he blocked me.I had doubts on his extra marital and asked him 1000 times. But he simply insulted and blocked me from all social media eventually. After finishing my PhD pre submission, when i went to meet him, in his place. I found him, shifted to another apartment. But i somehow, found it and there i came to knew, he is staying with a lady there for past months. I broke down and informed all his friends. Now he is threatening me for signing mutual consent, otherwise he will make false allegations and tore my good name..Already he partially did that. When I talked to his friends, he was crooked enough to tell them, i am a psycho, ademant, career oriented lady. I told him i am ready to give him mutual divorce after once we met in person. I want to ask him why he cheated me.but he is not ready to meet, he is asking me to talk to his advocate. What shall I do now?

Ans: While it’s natural to want answers and closure, sometimes people who betray us in such profound ways refuse to provide the accountability we seek. Closure doesn’t always come from the other person. It can come from recognizing that their actions stem from their own flaws and failings, not because of anything lacking in you. It can come from choosing to let go of the need for explanations and focusing instead on rebuilding your own sense of peace and purpose.

You’ve already demonstrated incredible strength by standing up to him and exposing the truth to his friends. That takes courage. But this is also a time to lean into your inner resilience and ensure you’re supported by professionals who can guide you through the legal and emotional complexities. Speaking with a family lawyer who understands the nuances of your situation will help you feel empowered to navigate his threats and protect your rights. At the same time, connecting with a counselor or therapist can offer a safe space to process your emotions and begin to heal from this trauma.

It’s okay to grieve the relationship and the betrayal. It’s okay to feel anger, sadness, or even numbness at times. These emotions are all part of the process of moving forward. Allow yourself to feel them without judgment, but also remind yourself that this pain is temporary and does not define you. You are more than what has been done to you.

When you feel ready, try to shift your focus away from him and his actions and toward your own well-being and future. You’ve worked so hard on your PhD and have built a life full of potential and possibility. This chapter doesn’t have to define the rest of your story. You are capable of creating a life that is free from manipulation and filled with self-respect, joy, and the kind of peace that comes from living authentically.

Lean on the people who believe in you, who see your value, and who can remind you of your strength when you feel unsure. Remember, you don’t have to handle this alone. Whether it’s through professional guidance or emotional support from trusted loved ones, there are paths forward that will help you rise above this situation. You deserve a life where your worth is honored, your boundaries are respected, and your happiness takes center stage.

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Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi

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Hello, I am a 35-year woman from Manali, divorced for three years now. My family is constantly pushing me to get remarried, saying it’s ‘for my own good.’ But honestly, I don’t feel the need for marriage again. I’m financially stable, have great friends, and I genuinely enjoy my independence. Despite explaining this to my family multiple times, they keep bringing up alliances and even guilt-trip me, saying things like, ‘Who will take care of you when you’re older?’ or ‘What will society think?’ I’m exhausted from these arguments and feel like I’m being cornered into something I don’t want. How do I stand firm in my decision while maintaining my relationship with my family? How do I help them understand that being single is a choice, not a problem to fix?

Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

Sometimes families struggle to accept choices that diverge from traditional norms, often driven by fears about societal perceptions or imagined futures. Reassure them that your decision is rooted in thoughtful consideration and self-awareness, and that you’ve built a life that brings you peace and joy. If they bring up concerns like loneliness or old age, you can address these by expressing how you’ve cultivated strong support systems and how your independence equips you to face challenges.

It might also help to set gentle boundaries. For instance, you could say, “I appreciate that you care for me, but I’d like our time together to focus on enjoying each other’s company instead of discussing remarriage.” It’s okay to redirect conversations or take a break from them when you feel cornered.

Lastly, remember that changing deeply ingrained beliefs takes time. Your family might not immediately understand your perspective, but consistency and calm communication will help over time. It’s not your responsibility to conform to their expectations if doing so diminishes your sense of self. By staying true to your values while showing compassion for their concerns, you’re paving the way for mutual respect and understanding.

Dr Nandita Palshetkar |36 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Question by Junior - Dec 20, 2024Hindi

Health

Hi doc I'm 18years I took emergency contraceptive four days before my period and the four days has reach and going to 8 days I haven't seen my period yet

Ans: Hello! If you have taken emergency contraception
4 days prior to periods,
There are high chances your periods can get delayed.
The morning-after pill, also known as the I-pill, can delay your period by up to one week. However, in rare cases, your period may be delayed for several weeks. If your period is more than a week late, or if it is lighter than usual, you should take a pregnancy test and speak to a doctor.
The I-pill is an emergency contraceptive tablet that contains a synthetic hormone that mimics progesterone. It's not intended to be used as a regular method of birth control.

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Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Health

Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.

Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
This procedure if successful can avoid IVF procedure. Laparoscopy has…
Yes, before ivf get all your blood test, ecg, 2 D echo, xray chest to rule out any illness
Same with your husband to get semen analysis and viral markers with blood sugars to be done.

Dr Nandita Palshetkar |36 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Question by KHUSHI - Dec 18, 2024

Health

I m 21...i had my last period on 1 oct and had sex on 11 and 12 nov and taken ipill on 13th nov...i didnt get periods yet

Ans: Firstly, period was on 1st October
Taken Ipil on 13 November with intercourse prior 2 days
Kindly get urine pregnancy test done first and foremost
Secondly
Ipills can cause irregular or delayed menses also.
If still no periods in one week with negative urine pregnancy test, visit your gynec and get good usg pelvis and few hormonal tests done.

Dr Nandita Palshetkar |36 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi

Health

Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.

Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
5) supplements to controls effects of pcos
6) low dose OC PILLS TO regularize the cycles

Samraat Jadhav |2127 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 26, 2024

Question by VEDANTAM - Dec 26, 2024Hindi

Money

Sir, what's the outlook of Cipla in short and long run. Of late, not doing well.

Ans: its a long term stock only atleast 5yrs plus

Milind Vadjikar |800 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 26, 2024

Question by Manish - Dec 26, 2024Hindi

Money

Sir, Which ULIP policy is best for me (Wealth creation+ Life Coverage). My current age is 30.

Ans: Hello;

My suggestion would be to opt for an adequate term life insurance and invest through mutual funds and NPS for other goals.

But if you are keen about ULIP only then you may select the insurer/plan of your choice or as advised by your insurance advisor.

However in the Ulip plan have 80% allocation to pure equity funds and balance 20% to debt funds to beginwith and tweak it over time as you grow older(nearing policy maturity date; ~ 30 years later) so by the time the policy is about to mature your equity allocation should be 40% or less.

Happy Investing;

Milind Vadjikar |800 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 26, 2024Hindi

Money

Dear sir, I have purchased a property for which I need to pay Rs25 Lacs after 3 years. I am able to invest Rs60000 each month therefore could you suggest if I should open a Recurring Deposit with Bank or SIP with Hybrid mutual fund to maximize return in 3 years - Thanks

Ans: Hello;

Since money invested would be required after 3 years for payment towards property purchase, recurring deposit is a better option then equity savings type mutual fund.

The returns from equity savings type mutual fund may be higher but they are subject to market fluctuations so no point in taking that risk.

Happy Investing;

Nayagam P P |3996 Answers |Ask -Follow

Career Counsellor - Answered on Dec 26, 2024

Question by Sumit - Sep 21, 2024Hindi

Career

Hello, i have 26 yrs of experience in the IT industry, and currently working as a consultant technical manager for important projects in several drdo labs in Hyderabad for the past few years. Despite being handson in coding, system design, I am also responsible for team management, deliverables, requirement analysis, and stakeholder management. I have an executive MBA from xlri and certification from pmi. Being 54 years of age, what are my options? Are there opportunities for people in the 50s? How about remote work or freelancing opportunities? I kind of find myself stuck and would like to explore opportunities. Any ideas? how to stay relevant in this ever changing world of technology?

Ans: Sumit Sir,
54-year-old with a strong background in the IT field, high-stakes projects, and an Executive MBA from XLRI can still stay relevant and look for opportunities. You can try for freelance consulting, work from home, coach, mentor, and train businesses in Agile methods, stakeholder handling, and team leadership.

To stay current, you can move into academic or research roles as an adjunct professor, work on research projects with universities or think tanks, or start your own business as a niche consultant.

To look for opportunities, make your LinkedIn profile stand out, share stories or insights, actively network, upskill strategically, and build a portfolio. Being old is an asset, but it's important to use it as a unique selling point and be flexible to stay competitive. By carefully using your skills and experience, you can open up many good opportunities and continue to thrive in the ever-changing tech world. All The Best for Your Prosperous Future.

Follow RediffGURUS to Know More on 'Jobs|Education|Careers'.

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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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