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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on May 23, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
puneet Question by puneet on May 04, 2023Hindi
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Money

I am new investor in the market, kindly suggest the 4-5 Mutual funds where I can invest 10K per month

Ans: Hello Puneet. Kindly quantify your investment constraints
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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Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 16, 2024Hindi
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I am Sanjit Kumar das I want to invest 10k/m in good mutual fund please suggest me
Ans: Investing Rs 10,000 Per Month in Mutual Funds
Choosing the Right Mutual Fund

Define Goals: Identify your investment goals, whether it's for short-term needs or long-term wealth creation.
Risk Tolerance: Determine your risk tolerance, as it will guide you in choosing the right type of mutual fund.
Types of Mutual Funds

Equity Mutual Funds: Suitable for long-term growth. These invest primarily in stocks.
Debt Mutual Funds: Focus on fixed-income securities. Lower risk compared to equity funds.
Balanced Funds: Invest in a mix of equity and debt. Suitable for moderate risk tolerance.
Recommended Mutual Fund Categories

Large-Cap Funds: Invest in well-established companies. Provide stability and moderate growth.
Mid-Cap Funds: Invest in medium-sized companies. Higher growth potential with increased risk.
Small-Cap Funds: Focus on smaller companies. High growth potential but more volatile.
Hybrid Funds: Combine equity and debt investments. Balances risk and return.
Investing Through SIP

Systematic Investment Plan (SIP): Allows you to invest a fixed amount monthly. Encourages disciplined investing.
Benefits of SIP: Provides rupee cost averaging and helps in managing market volatility.
Mutual Fund Platforms

Direct Plans: Lower expense ratios. Invest directly with the fund house.
Regular Plans: Available through mutual fund distributors or financial planners. May have higher expense ratios.
Recommended Mutual Fund Types

For Long-Term Growth: Consider a mix of large-cap, mid-cap, and balanced funds for diversified growth.
For Stability: Debt or hybrid funds can offer more stability and steady returns.
Final Insights
Start with Research: Choose funds with a strong track record and a well-managed portfolio.
Monitor Performance: Regularly review the performance and suitability of your chosen mutual funds.
Consultation: If needed, consult with a Certified Financial Planner to tailor the investment according to your specific needs.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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hi so in 4 days im giving my jee exam and havent prepared well at all my parents hv high hope on my but i started scoring very bad due to love trap and now i really wana get into gr8 college but all the teachers around me are so very unsupoortative i get cornered by them today also i fianted in class after coresspodent called my name as i scored low..im such a disappointment in life wt should i even do?
Ans: It can be hard to deal with such a lot of stress, especially when you don't have any help. Just try the following suggestions: If not a teacher, talk to a family member, friend, or even a psychologist. Putting your feelings into words can help lighten the load.
Take care of your body by getting enough rest, water, and small foods. Fainting is a sign that your body is under a lot of stress.
Breathing exercises: When you feel stressed, try taking deep breaths. It can calm you down. There is still time to change what you might not have done as you had hoped. Focus on getting better in key and scoring areas for the next four days, based on your past preparation. Stick to NCERT for inorganic chemistry. Here, you can study physical chemistry formulas and organic reactions. Do not try to be perfect right now. Pay close attention to making sure you cover enough. Some people around you may have let you down, but that doesn't mean they don't value you. One test doesn't completely describe your life. If JEE doesn't go as planned, there are still other ways to have a great job. Don't give up hope if it doesn't happen. You can always choose between state engineering schools, private universities, or taking a year off to get ready with more help. Even though things are hard for you right now, this is not how you will always feel. Even people who are very good at what they do have low points. Don't give up on yourself, even if you feel lost. You still need to do a lot of things. All the BEST for Your Prosperous Future. Follow RediffGURUS to know more on 'Careers | Health | Money | Relationships'.

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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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