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Ramalingam Kalirajan |7028 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 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

Question by Pradnyesh on Jan 26, 2024Hindi

Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...

Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

Here are a few steps to consider:

Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.

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