Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Kirtan A Shah | Answer |Ask -Follow

MF Expert, Financial Planner - Answered on Sep 29, 2023

Kirtan A Shah is a certified financial planner and managing director, private wealth, at Credence Family Office.
He is also a Certified International Wealth Manager and Financial Engineering and Risk Manager.
Shah is the co-author of Financial Service Management and Financial Market Operations, which are used as reference books for Mumbai University.
He is frequently seen on CNBC, Zee Business, ET NOW & BQ Prime as an expert guest.... more

Asked by Anonymous - Sep 29, 2023Hindi

Money

Dear Sir, I m 41 yo salaried person. Please review my portfolio and suggest. 1) Term Plan of 25 Lac, 2) Traditional policy 6 Lac, 3) Mirrae Asset Tax 2000, 4) Quant Tax Plan 2000, 5) Canara Robecco Tax Plan 2000, 6) Parag Parikh Tax Plan 1500, 7) Quant BFSI 2000, 8) Quant Small Cap 2000, 9) PGIM Midcap 1000, 10)Quant Flexi cap 2000, 11) Nippon Multi Cap 1000. Additionally I am contributing 50K per year in NPS. I want to add another 10K/m in MF. Please suggest. I have a horizon of 10 yrs (daughters higher study)-15 yrs (daughters marriage)-20 yrs(post retirement) and I am ready to take risks.

Ans: (1) Term insurance should be 10 times your income. Reevaluate if you have enough
(2) Exit the below funds,
- Mirae Tax
- Quant Tax
- Quant Flexicap
(3) Dont buy any more traditional plan
(4) Invest all the funds only in the remaining schemes

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.

MoneyReply

You may like to see similar questions and answers below

Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on May 23, 2023

Question by Pranjal - May 09, 2023Hindi

Money

Sir, I am 40 yrs male & have monthly contribution in MF in following manner: 1. Mirae Asster Tax Saving (G)- 2000/- 2. Quant Tax Plan (G)- 2000/- 3. Parag Parikh Tax Saver (G)- 2000/- 4. Canara Robeco Tax Saver (G)- 2000/- 5. ABSL PSU Equity Fund (G)- 1000/- 6. Nippon India Liquid Fund (G)- 1000/- More over I have monthly contribution to NPS: 7. Through Corporate - 3500/- 8. Individual Contribution- 4000/- (50 K/yr in total) Sir, Please review my current portfolio and also suggest MF which I want for the following horizon: A) Daughters education (UG) - 10 yrs B) Daughters education (PG) - 12 yrs c) Retirement Corpus - 20 Yrs. I can invest 20K more per month apart from the existing contribution. I am OK with moderate to higher risk as I want stay invested for 15-20 yrs. Regards, Pranjal Sarma

Ans: Hello Pranjal. Your current portfolio diversification sounds good except ABSL PSU Equity Fund. With multiple goal align in next 10-20yrs. I would suggest to consider small cap , midcap , and flexicap categories for your additional portfolio.

Ramalingam Kalirajan |10870 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Question by Rehan - Jun 01, 2023Hindi

Money

I am 43 years old. My investment horizon is 20 years. From jan 2021 i am doing mf sip of 12000 pm. My purpose of investment is for Retirement. Axis Blue Chip Fund 3000 pm Tata Ethical Fund 4000 pm HDFC small cap 1000 pm SBI Bluechip Fund 2000 pm Icici technology fund 2000 pm Please review my portfolio and advice according.

Ans: Your portfolio seems diversified across different types of mutual funds, which is a good approach. However, here are some considerations and suggestions:

Diversification: You have exposure to large-cap, mid-cap, small-cap, ethical, and technology funds, which is good for diversification. Ensure you're comfortable with the risk associated with each category.

Review Ethical Fund: While ethical funds align with your values, they may have specific risk-return characteristics. Review the performance of Tata Ethical Fund compared to broader market indices and assess if it aligns with your long-term goals.

Risk Management: Small-cap and technology funds can be more volatile. Ensure you're comfortable with the risk associated with these funds, especially considering your long investment horizon.

Regular Review: Periodically review your portfolio's performance and make adjustments as needed. Keep track of any changes in fund management, strategy, or market conditions that may affect your investments.

Consider Financial Advisor: If you're unsure about your portfolio or need personalized advice, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Overall, continue investing systematically and stay disciplined with your investment strategy to benefit from the power of compounding over the long term.

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Feb 06, 2024

Asked by Anonymous - Jul 01, 2023Hindi

Money

Hi Mr. Parikh, I am 41 yr male. I have a monthly MF contribution of 14K: 1. Mirae Asset Tax (G)- 2000/m 2. Quant Tax Saver (G)-2000/m 3. Canara Robeco Tax Plan (G)-2000/m 4. Parag Parikh Tax Saver (G)- 2000/m 5. Nippon India Multi Cap (G)- 1000/m 6. PGIM India Mid Cap (G)- 2000/m 7. Quant Flexi Cap (G)- 2000/m 8. Quant BFSI Fund (G)- 1000/m 9. NPS contribution- 50000/yr I have LIC of 6 Lakhs SA, a Term plan of 25 Lakhs & a Health Plan of 25 Lakhs. Sir, I have the future commitments coming: a) Daughter's 12+ Education starting in 2028. b) Daughter's Marriage in 2040. c) Post retirement commitments. (after 2037). Sir, I am Ok with taking risk as my horizon is for long term. Sir, please suggest some more MF as I want to add another 6000/m to make it 20K/m. Please evaluate my current portfolio and suggest names of new MF to invest. Thanks

Ans: Currently, your portfolio is overly diversified in a similar category funds (ELSS), although the funds are well performing and have delivered decent returns till date. The ongoing SIPs in these funds will help you in accomplishing your goals along with tax savings but we recommend you to reduce the funds to two. The other funds in your portfolio are also fundamentally strong and decent performers. Hence, we recommend you to not introduce new funds in your portfolio and allocate the additional SIPs amount in the existing funds.

For your post retirements commitments, NPS is a good investment asset class as it will maintain your cashflows. You also have a decent health insurance for medical uncertainties but I recommend you to increase the term plan to 1 Cr.

Purshotam Lal | Answer |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Aug 28, 2025

Asked by Anonymous - Aug 21, 2025Hindi

Money

Dear Sir, Please review my portfolio.time horizon mid term 5 to 10 yr. My age is 50years. Current Monthly SIPsl: 1: Nippon india large cap fund direct 1500 2: ICICi bharat 22 FOF G large cap direct 5000 3: Motilal Oswal midcap direct 5000 4: Parag parikh flexi cap direct 1500 5: Bandhan small cap direct 5000 6: Nippon india small cap 2000. Apart from this i had taken Icici ELSS tax saver growth fund regular of Rs 2.15 Lacs and stopped SIP. Also invested Rs 25 k in SBI retirement benefit fund regular but stopped SIP. Also I need to built capital of 50 Lacs for 14 years son and Engg Graduate daughter in next 5 years.Pls advise me about any changes or additions to be made in this.

Ans: Reviewed your portfolio. I find it to be a good selection of Mutual Fund Schemes. In a 10 year accumulation period you are expected to build a corpus of Rs 50 Lakh plus. However for realizing this corpus of Rs 50 Lakhs in 5 Years period from now, you may be required for additional SIP of Rs 25000 per month in any high risk small cap fund. In case your SIPs were already started 3 Years ago then realizing corpus of Rs 50 lakh may be feasible in next 5 years period without requiring any new SIP Investment. Before requirement of funds for education of your son and daughter, it is better to shift 1-2 years before to any good hybrid / Debt fund. You should get your portfolio reviewed periodically during your accumulation period.

Latest Questions

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

Dr Shyam Jamalabad |108 Answers |Ask -Follow

Dentist - Answered on Dec 05, 2025

Question by Visu - Aug 01, 2025Hindi

Health

I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

Ans: Hello

Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

Implants have some definite advantages over removable dentures. They provide a stable and secure fit, improved chewing and speech.
And with proper care may last for 10-15 years or more.
On the negative side, upfront cost of implants can be higher, surgery cannot be avoided and healing can take 3-6 months.

Cost-wise, Implants can be more cost-effective in the long run.
"All-on-4" implants might be cheaper than individual implants, but waiting might lead to deterioration of bone health, making the process more complex.

Consult your dentist about:
- Your specific oral health situation
- Bone density scan (to check if you have enough bone for implants)
- Cost estimates and financing options
- Timeline for the procedure.

Dr Shyam Jamalabad |108 Answers |Ask -Follow

Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Aug 21, 2025Hindi

Health

My 12 year old son has 2 parallel lines of teeth. One front and the other behind. So far in the behind only 2 teeths are there one in each side. Will this cause any serious issues for him? He has speech problem. Could this be the reason? Does he need to take any immediate corrective procedure?

Ans: Hello
This situation of "2 parallel lines of teeth" arises when permanent teeth erupt BEFORE the deciduous teeth (or milk teeth) have been shed. This indicates a mis-alignment of the permanent teeth. The shedding of milk teeth is dependent on the permanent teeth exerting pressure on them as they grow.
This mis-alignment, indeed, could be the cause of his speech problem.
My advice to you is to consult a competent pediatric dentist or an orthodontist (a dentist who realigns crooked teeth) soon so that corrective measures can be taken.

Dr Shyam Jamalabad |108 Answers |Ask -Follow

Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Jun 17, 2025Hindi

Health

My front teeth is broken I fell down from my bike while dog is chasing me . I went to dentist i got broken teeth cemented . dentist advised me not to chew anything with cemented teeth it's a life time instruction. It is very discomfort to me .Is there any treatment such that I can chew even with repaired tooth

Ans: Hi.,
Sorry to hear about your fall and the resultant damage to your teeth.
Honestly, it's best to follow your dentist's advice, but I understand your problem. Eating can be a challenge.
Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

In the meantime, stick to soft foods which do not put pressure on your compromised teeth, or soups. You can also try cutting your food into smaller pieces to reduce pressure on the tooth.

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Pramod - Dec 05, 2025Hindi

Career

Student of 1st yr ECE BIT Mesra,should apply for branch change to CSE,IT,AI&ML considering future job security etc.

Ans: In future CSE,IT,AI&ML jobs will be more than ECE jobs, but job security is different. For job security you have to aim govt. jobs

Ulhas Joshi |280 Answers |Ask -Follow

Mutual Fund Expert - Answered on Dec 05, 2025

Question by Ganesh - Dec 03, 2025Hindi

Money

Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 04, 2025

Question by Thamizh - Dec 04, 2025Hindi

Career

how many marks and what rank need to scored in vitjee to get chemical engineering seat in vit vellore?

Ans: Multiple categories are there. Marks and rank vary with that.

Ravi Mittal |676 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

Anu Krishna |1745 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

Hi Anu, My husband doesn't do house chores. We both work full-time, but I still end up cooking, cleaning, and doing laundry. When I ask for help, my partner will say, ‘Just tell me what to do,’ but then he conveniently forgets. Maybe he doesn't like it or he is genuinely forgetful. I have tried many ways to make him explain. Once I only did my share of laundry to make him realise but he simply ignored. Every week this pattern repeats. Is this normal? How can married couples divide responsibilities fairly to avoid fights?

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1745 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Question by Santosh - Oct 20, 2025Hindi

Relationship

Feeling alone in the world and iam not having any close friends everybody is busy with their works and family, help me what to do

Ans: Dear Santosh,
Everybody has a life and so do you; build your life the way that you want...
Start attending weekend events or any social gathering in the city/town that you live in; even a smile or a hi, hello can be start to a good association when you can further discuss and chat on mutual interests and hobbies.
A humble effort in this direction can change the state that you are in.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x