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

What is the best flexi cap fund for a 20-year, 5-lac lump-sum investment, considering Kotak and HDFC?

Milind

Milind Vadjikar  |1191 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 04, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Aug 31, 2024Hindi
Listen
Money

Kindly suggest any flexi cap fund for lumpsum investment of 5 lacs for 20 years.I have already selected funds in large,mid and balanced categories but not able to find good fund in flexi cap.How about kotak flexi cap and Hdfc flexi cap.kindly suggest

Ans: Purely from 10 year returns yardstick, PPFAS flexicap fund is the best, next best is HDFC flexi cap.

*Investments in mutual funds are subjected to market risks. Read all scheme related documents carefully before investing

You may follow us on X @mars_invest for further updates
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  |8292 Answers  |Ask -

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

Listen
Money
Thanks a bunch for the response Mr.Ramalingam sir. I would really appreciate if you can shed some light on few flexi cap funds. Do you think I have to stop any current fund or continue with same and add either of large or flexi cap fund to the folio for diversification and risk appetite. I have twin girls of age 2 and wanted to save big numbers for their future alongside. Thanks for your time again!!
Ans: Flexi cap funds are a popular category in mutual funds that offer flexibility in terms of investment across market capitalizations (large cap, mid cap, and small cap). These funds can adapt to market conditions and capitalize on opportunities across sectors and market segments.

Advantages of Flexi Cap Funds:

Diversification: Flexi cap funds invest across market caps and sectors, providing diversification and potentially reducing portfolio volatility.
Flexibility: The fund manager has the flexibility to shift allocations based on market conditions, which can help in capitalizing on opportunities and managing risks.
Potential for Growth: Flexi cap funds can benefit from growth opportunities across the market spectrum, from large established companies to smaller, high-growth potential companies.
Should you stop or continue with current funds?

Assess Current Portfolio: Evaluate your current mutual fund portfolio to understand its composition, performance, and alignment with your investment goals.
Check Overlapping: If your current funds already have significant exposure to large cap stocks, adding a flexi cap fund can provide exposure to mid and small cap segments, enhancing diversification.
Risk Appetite and Diversification: If you have a moderate to high-risk appetite and are looking for diversification across market caps, adding a flexi cap fund can be beneficial. However, if your current portfolio is well-diversified and aligned with your risk profile and investment goals, there may not be a need to stop any existing funds.
Performance Review: Regularly review the performance of your existing funds. If any fund consistently underperforms its benchmark or peers, consider replacing it with a better-performing option.
Considerations for Investing for Twin Girls' Future:

Long-Term Horizon: Since your twin girls are just 2 years old, you have a long-term investment horizon. Flexi cap funds, with their adaptability and potential for growth, can be suitable for long-term investment goals.
Risk Tolerance: While aiming for high returns, it's crucial to consider your risk tolerance. Ensure your investment strategy aligns with your risk tolerance to avoid potential stress during market downturns.
Regular Review: As your daughters grow and their financial needs evolve, regularly review and adjust your investment strategy to ensure it remains aligned with their future goals.
Consultation with Financial Planner: Given the importance of saving for your daughters' future, it's highly recommended to consult with a certified financial plannerr. They can provide personalized advice based on a thorough understanding of your financial situation, goals, and risk tolerance.
Remember, while flexi cap funds can be a valuable addition to your investment portfolio, it's crucial to choose funds that align with your investment goals, risk tolerance, and time horizon. Always consider seeking professional advice before making investment decisions.

..Read more

Ramalingam

Ramalingam Kalirajan  |8292 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 19, 2024Hindi
Listen
Money
Parag Parikh Flexi cap Fund
Ans: Parag Parikh Flexi Cap Fund is a well-regarded fund in the mutual fund industry. It's known for its unique approach to investing across various market segments.

The fund follows a flexible investment strategy, allowing it to invest in stocks across market capitalizations, including large-cap, mid-cap, and small-cap companies.

One of the standout features of Parag Parikh Flexi Cap Fund is its global diversification approach. The fund has the flexibility to invest a portion of its corpus in international equities, providing investors exposure to global markets and opportunities.

Additionally, the fund's focus on quality companies with sustainable business models and strong management teams is commendable. This approach aims to mitigate downside risk and generate consistent returns over the long term.

Parag Parikh Flexi Cap Fund has a track record of delivering competitive returns compared to its peers and benchmark indices. However, investors should note that past performance is not indicative of future results.

As with any investment, it's essential to assess your risk tolerance, investment objectives, and time horizon before investing in Parag Parikh Flexi Cap Fund or any mutual fund.

Consulting with a Certified Financial Planner can provide personalized advice and guidance tailored to your financial situation and goals.

Overall, Parag Parikh Flexi Cap Fund is a reputable option for investors seeking diversification, global exposure, and potential long-term growth in their investment portfolio.

..Read more

Ramalingam

Ramalingam Kalirajan  |8292 Answers  |Ask -

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

Listen
Money
Can you suggest which flexi cap fund is better to invest longterm JM or Motilal Oswal ? I have also got a suggestion for Helios and parag parekh . If i have to invest in just one which would be ideal ?
Ans: Choosing the right flexi-cap fund requires evaluating several factors. Each fund has distinct features that suit different financial goals and risk tolerances. Here is a detailed, 360-degree assessment to help you make an informed decision.

Key Factors to Consider
Fund Manager’s Expertise
A skilled fund manager can maximise returns while managing risk effectively.

Portfolio Composition
Look at the fund's exposure to large-cap, mid-cap, and small-cap stocks.

Historical Performance
Consistent performance over multiple market cycles indicates a reliable fund.

Expense Ratio
Higher expense ratios can eat into your returns over the long term.

Tax Efficiency
Equity mutual funds have tax implications.

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Comparative Evaluation of JM, Motilal Oswal, Helios, and Parag Parikh
JM Flexi-Cap Fund
Focuses on stock selection with a diversified approach.
Relatively newer fund with moderate asset under management (AUM).
Suitable for conservative investors seeking balanced exposure.
Motilal Oswal Flexi-Cap Fund
Known for a concentrated portfolio with high conviction bets.
Focuses on companies with strong fundamentals and long-term growth potential.
Volatility may be higher due to concentrated holdings.
Helios Flexi-Cap Fund
Managed by a seasoned fund manager with a unique investment philosophy.
Focuses on sectoral rotation to capitalise on market trends.
May suit investors with a higher risk appetite.
Parag Parikh Flexi-Cap Fund
Globally diversified with exposure to international equities.
Emphasises on value investing with a long-term perspective.
Suitable for investors seeking global diversification.
Recommendation Based on Your Query
If you are investing in just one flexi-cap fund, consider your risk tolerance and goals.

For Conservative Investors
Choose JM Flexi-Cap Fund for a balanced portfolio with limited volatility.

For Aggressive Investors
Opt for Motilal Oswal Flexi-Cap Fund or Helios Flexi-Cap Fund for potential higher returns.

For Global Diversification
Select Parag Parikh Flexi-Cap Fund to benefit from international exposure.

Why Avoid Direct Plans?
Direct funds require constant monitoring, which can be challenging for most investors.
Investing through a Certified Financial Planner offers professional insights and regular review.
Regular plans managed by CFPs can optimise your portfolio for better returns.
Final Insights
Investing in a single flexi-cap fund is ideal for simplicity. Align your choice with your goals and risk profile. For optimal results, consult a Certified Financial Planner for a customised investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4465 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
Jee main 2025,my son got 95.2%tile,71104 rank ,ews rank 10111,home state punjab ,can he get cse,ece,data science,it, branch in any nit,iiit,gftis or which branches he will get in these institutes .
Ans: Varinder Sir, Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4465 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
My son got 93.4 percentile jee main . He got eee bit mesra and cse in srm ktr which prospect is better?
Ans: Sharmistha Madam, prefer BIT-M-EEE. Explore more options for your daughter as back-ups by knowing the JoSAA Counselling Opening & Closing Ranks of last year. Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'

Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Prof Suvasish

Prof Suvasish Mukhopadhyay  |598 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
I have already appeared for the JEE Main and secured a 95.15 percentile, which is close to the previous year's cut-off. My query is whether it is possible to select both options JEE and NFATso that if I do not qualify through my JEE score, my application can be considered based on my NFAT score instead. If selecting both options is permissible, could you please guide me on how to do so while filling out the application form? Your assistance on this matter would be greatly appreciated.
Ans: No, candidates cannot apply using both JEE Main and NAFT scores for the same admissions. JEE Main scores are used for admissions to engineering programs at NITs, IIITs, and other participating institutions, while NAFT scores are used for admissions to NAFT-affiliated universities. These are distinct admission processes, and only one set of scores can be used.

...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