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Ramalingam Kalirajan  |8158 Answers  |Ask -

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

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Avinash Question by Avinash on Nov 25, 2023Hindi
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Kirtan Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.

Ans: Your current SIP portfolio showcases a diversified mix of funds across various categories, including large-cap, mid-cap, small-cap, flexi-cap, and index funds. Each fund serves a specific purpose and contributes to the overall diversification of your portfolio.

To determine whether you should continue with these funds, consider the following:

Fund Performance: Evaluate the past performance of each fund, considering factors like consistency, returns generated, and volatility. Monitor how the funds have performed relative to their benchmarks and peer group.
Fund Objectives: Assess whether the objectives of each fund align with your investment goals and risk tolerance. Ensure that the funds you've chosen are suitable for your financial objectives and time horizon.
Portfolio Rebalancing: Periodically review your portfolio and rebalance if necessary to maintain your desired asset allocation and risk profile. Consider reallocating funds from underperforming or overlapping funds to better-performing ones.
Regarding the corpus generated after 20 years, predicting exact returns is challenging due to market uncertainties. However, you can use online calculators or consult with a financial advisor to estimate the potential corpus based on your monthly SIP amounts, expected returns, and investment duration.

Remember, investing is a long-term journey, and staying disciplined, diversified, and informed is key to achieving your financial goals. Consider seeking advice from a Certified Financial Planner for personalized guidance tailored to your specific circumstances and objectives.
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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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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