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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Sep 23, 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
Suresh Question by Suresh on Sep 13, 2023Hindi
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Kindly suggest on Axis bluechip fund should continue or exit

Ans: This particular investment scheme primarily puts money into big company's stocks.

Over the past 3 to 5 years, this fund hasn't done as well as we'd like compared to a standard benchmark. However, if you are concerned about the fund's recent underperformance or if you need to access your money in the near term, you may consider exiting the fund.

The fund managers have been putting a lot of emphasis on specific stocks they believe in for the long term, but this approach hasn't worked out well since 2021 till date.

One of the reasons for the fund's underperformance is its heavy investments in sectors like automobiles and banks. Some specific stocks like Kotak Mahindra Bank and Bajaj FinServ didn't perform as expected.

Overall, this fund didn't provide a good balance of protection during market downturns and gains during market upswings.

If you are unsure about whether or not to continue or exit Axis Bluechip Fund, you may want to consult with a financial advisor. A financial advisor can help you assess your individual needs and goals and make a recommendation that is right for you.
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

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

Asked by Anonymous - Feb 12, 2024Hindi
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Hi experts. should MF continue with axis bluechip fund and axis esg fund which ? If exit then what should be other MF as conservatives Risk takers.
Ans: Deciding whether to continue or exit mutual funds involves careful consideration of various factors. Let's delve into your options.

Axis Bluechip Fund and Axis ESG Fund are both reputable choices with distinct investment approaches. Axis Bluechip Fund focuses on large-cap stocks with a track record of consistent performance, while Axis ESG Fund integrates environmental, social, and governance (ESG) factors into its investment decisions, aligning with sustainable principles.

If you're contemplating exiting these funds, it's essential to reassess your investment objectives and risk tolerance. For conservative investors, you might explore alternatives like diversified equity funds with a history of stable returns, such as Mirae Asset Large Cap Fund or ICICI Prudential Bluechip Fund. These funds typically invest in established companies with lower volatility.

Additionally, debt funds can offer stability for conservative investors. Consider options like HDFC Corporate Bond Fund or SBI Magnum Ultra Short Duration Fund, which invest in high-quality debt instruments with relatively lower risk.

Before making any decisions, consult with a Certified Financial Planner to evaluate your portfolio holistically and ensure alignment with your financial goals. They can provide personalized recommendations based on your risk profile and investment horizon.

Remember, mutual fund investments are subject to market risks, so it's essential to diversify and regularly review your portfolio to maintain a balanced approach.

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Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Sir I am investing 5000 un Axis blue cip fund since last 4 years, when I started it was 4 star but now it's rating has come to 1 should I continue or switch
Ans: Evaluating Investment Strategy for Axis Blue Chip Fund

I understand your concern regarding the performance of Axis Blue Chip Fund and the possibility of switching investments. Let's analyze the situation to make an informed decision.

Current Investment Scenario
Duration of Investment:

You have been investing in Axis Blue Chip Fund for the past 4 years, demonstrating a commitment to long-term wealth creation.
Change in Fund Rating:

The fund's rating has declined from 4 stars to 1 star, indicating a change in its performance relative to peers.
Considerations for Decision Making
Performance Analysis:

Evaluate the reasons behind the fund's declining performance. Factors such as changes in fund management, strategy, or market conditions could contribute to this shift.
Analyze the fund's performance against its benchmark and category peers to assess its relative strength.
Fund Manager Expertise:

Consider the track record and expertise of the fund manager. A skilled and experienced manager may navigate challenging market conditions effectively, potentially leading to improved performance over time.
Market Conditions:

Assess the current market scenario and economic outlook. Certain sectors or segments of the market may be experiencing temporary setbacks, impacting the fund's performance.
Risk Tolerance:

Review your risk tolerance and investment objectives. If you have a higher risk appetite and a long investment horizon, you may be willing to tolerate short-term fluctuations in returns.
Alternative Investment Options:

Explore alternative investment options within the mutual fund universe. Consider funds with consistent performance, robust investment processes, and aligned investment objectives.
Consultation with Financial Advisor:

Seek guidance from a Certified Financial Planner (CFP) to discuss your investment portfolio and strategy. A professional advisor can provide personalized recommendations based on your financial goals and risk profile.
Decision Making Process
Review Fund Performance:

Conduct a thorough review of Axis Blue Chip Fund's performance, considering both short-term fluctuations and long-term trends.
Evaluate the reasons behind the fund's rating downgrade and assess its potential for future recovery.
Assess Long-Term Prospects:

Consider the fund's investment philosophy, portfolio composition, and alignment with your financial goals.
Assess whether the fund's underlying fundamentals remain strong and its long-term prospects are favorable.
Explore Alternatives:

Research alternative investment options within the large-cap equity category or other asset classes that offer potential for growth and diversification.
Compare the performance, risk profile, and investment approach of alternative funds before making a decision.
Conclusion
Before making any investment decisions, it's essential to conduct a comprehensive analysis of the current investment scenario, assess your risk tolerance and financial goals, and explore alternative options. Consulting with a Certified Financial Planner can provide valuable insights and guidance to optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |9407 Answers  |Ask -

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

Asked by Anonymous - Oct 29, 2024Hindi
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I have invested in axis small cap, midcap and blue chip for the last 3 years. Seeing its performance, should I exit now?.
Ans: Investing in different categories, such as small cap, mid cap, and blue chip funds, offers diversification across risk levels and growth potential. Each category has unique strengths and responds differently to market cycles. Here’s an analysis to help you decide if you should continue or exit your investments.

Performance and Market Cycles
Equity funds, including small, mid, and blue-chip funds, typically perform differently in various market conditions.

Small cap funds often show high growth potential but can be volatile. Exiting during a temporary downturn may lead to missed long-term gains.

Mid cap funds provide a balance of growth and risk, as they represent companies beyond the initial growth phase but with room to expand.

Blue chip funds, representing large companies, generally offer stability and moderate returns, being less sensitive to market fluctuations. Exiting these funds could reduce the stability of your portfolio.

The Importance of Investment Tenure
Equity investments require a longer time horizon for optimal returns. Three years is relatively short, especially for small and mid cap categories.

Staying invested through market cycles typically allows these funds to realize their full growth potential. Exiting now could interrupt this compounding effect.

Key Factors for Evaluation
Assess the following before making any decisions:

Fund Consistency: Evaluate if each fund’s performance aligns with its historical and category average. Temporary downturns in small and mid cap funds can be normal.

Fund Manager’s Strategy: Assess if the fund manager has maintained a consistent and strategic approach in selecting stocks within the small, mid, and blue-chip spaces. A strong management approach may be a reason to remain invested.

Market Outlook: Look into current market conditions and projected economic trends. Small and mid cap funds often experience volatility based on market sentiment but recover during favorable market conditions.

Disadvantages of Direct Funds
Self-Management Complexity: Direct funds lack the benefit of a Certified Financial Planner’s ongoing guidance, which can be essential in understanding fund performance and adjusting strategies when needed.

Potential Missed Opportunities: With regular funds through a Certified Financial Planner, you gain access to periodic reviews and proactive recommendations. Direct funds leave this burden entirely on the investor.

Advantages of Actively Managed Funds Over Index Funds
If you’re considering index funds, it’s essential to note their limitations. Index funds follow a fixed market index without adapting to changing economic conditions, unlike actively managed funds. Here’s why actively managed funds might be better:

Dynamic Management: Actively managed funds adjust to market trends, whereas index funds cannot, which limits their potential returns in volatile markets.

Risk Management: Certified Financial Planners can strategically allocate assets based on real-time assessments. Index funds, by design, lack this flexibility.

Re-evaluate Based on Investment Goals
If your goals are long-term, continuing your investment in these funds may benefit from the compounding effect.

If your goals are short-term, reassessing your current allocation with a Certified Financial Planner may help adjust for risk management.

Final Insights
Making a decision based on a three-year performance period may not reveal the full potential of your investments, particularly in small and mid cap funds. Long-term wealth creation in equity often involves staying invested through market fluctuations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

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Bangalore RVCE CSE CYBERSECURITY OR DAIICT ICT OR NAYA RAYAPUR CSE WHICHONE BETTER SIR
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Recommendation: For the highest CSE placement rates and specialized cybersecurity training in a premier Bengaluru institute, recommendation is RVCE CSE-Cybersecurity. To pursue broad ICT expertise with top average packages and a top-3 NIRF ICT rank, choose DA-IICT ICT. For cutting-edge CSE roles with strong AI/ML focus and dual-minor flexibility in a state-funded IIIT, opt for IIIT Naya Raipur CSE. All the BEST for Admission & a Prosperous Future!

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I have got amrita blr campus eee, 9814 rank in comedk. I might get CSD in DSCE or any other branch through comedk. My hs is WB soni might take admission in cse in techno mains . What should i choose?
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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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