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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 16, 2020

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Neeraj Question by Neeraj on Dec 16, 2020Hindi
Money

May I request you to pl. advise me if i shall invest in following fund thru SIP:

1. Parag Parikh Long term

2. Axis Multicap

3. Kotak Equity Opp.

4. Mirae asset Larg Cap

5. Canara robeco-----?

6. invesco India-----?

What other funds you will suggest for investment for a period of 3-5 years? Secondly, i do have some investment in the following funds. What is their future?

Ans:
Name of the Fund Category RankMF Star Rating Recommendation
Neeraj Gupta
1. Parag Parikh Long term  Equity - Multi Cap Fund 5 Please Continue
2. Axis Multicap Equity - Multi Cap Fund 5 Please Continue
3. Kotak Equity Opp. Equity - Large & Mid Cap Fund 4 Please Continue
4. Mirae asset Larg Cap Equity - Large Cap Fund 4 Please Continue
5. Canara robeco-----?      Scheme name Missing
6. invesco India-----?      Scheme name Missing

1. FT smaller Companies

2. Nippon India equity Saving Funds.

Name of the Fund Category RankMF Star Rating Recommendation
Please put the name
1. FT smaller Companies Equity - Small cap Fund 3 Better to consider Axis Small Cap Fund - Growth OR Kotak Small Cap Fund - Growth
2. Nippon India equity Saving Funds. Hybrid - Equity Savings 3 Can Consider Edelweiss Balanced Advantage Fund - Growth Option

Your earliest reply is greatly appreciated.

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

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2024

Asked by Anonymous - Jul 14, 2024Hindi
Money
I am 37 years old and a govt servant.i just recently started sip in four funds 1.Mirae asset large and midcap fund direct growth. _1k 2.quant large and mid cap fund direct growth_1k 3.kotak equity opportunities fund direct growth_1k 4.icici prudential retirement fund pure equity plan direct growth -5k Is it good for a term like 10 years?and if i want to invest 5k more then where should i invest for a term of 15 to 20 years.please advice .thank you
Ans: As a government servant at 37, planning for the future is crucial. Starting SIPs in mutual funds is a wise step, but evaluating and refining your strategy can optimize your returns. This analysis will guide you through your current investments and suggest additional avenues for a long-term horizon.

Current SIP Analysis

You've begun SIPs in four mutual funds with a 10-year perspective:

Mirae Asset Large and Midcap Fund
Quant Large and Midcap Fund
Kotak Equity Opportunities Fund
ICICI Prudential Retirement Fund Pure Equity Plan
Your current allocation in these funds is commendable. Let's evaluate the benefits and potential improvements.

1. Mirae Asset Large and Midcap Fund

This fund invests in both large and midcap stocks. It offers growth potential from midcaps and stability from large caps. This balanced approach can yield good returns over the long term.

2. Quant Large and Midcap Fund

Similar to the Mirae Asset Fund, this fund also diversifies between large and midcap stocks. Diversification is a key strategy to mitigate risk while aiming for growth.

3. Kotak Equity Opportunities Fund

This fund focuses on equity opportunities across market caps. It's known for good management and consistent performance. It adds diversity to your portfolio.

4. ICICI Prudential Retirement Fund Pure Equity Plan

This fund is designed for long-term goals like retirement. It invests primarily in equities, which can offer higher returns over an extended period.

Your portfolio currently has a good mix of large-cap stability and mid-cap growth potential. However, since you're considering a long-term investment horizon of 15-20 years, let's explore where you can invest an additional Rs 5,000 per month.

Evaluating Direct Funds vs Regular Funds

You've invested in direct plans, which typically have lower expense ratios. However, regular funds through a Certified Financial Planner (CFP) have their advantages. A CFP provides personalized advice, timely reviews, and adjustments to your portfolio. These services can potentially enhance your investment performance, justifying the slightly higher expense ratios.

Long-term Investment Strategy

For a long-term investment horizon of 15-20 years, consider the following factors:

Diversification: Spread investments across different asset classes and sectors.
Risk Tolerance: Understand your risk appetite and invest accordingly.
Consistent Review: Regularly review and adjust your portfolio based on market conditions and personal goals.
Recommended Investment Avenues

To invest an additional Rs 5,000 per month, here are some funds and strategies to consider:

1. Flexi Cap Funds

Flexi cap funds invest in stocks across market capitalizations. They offer flexibility to shift investments between large, mid, and small caps based on market conditions. This dynamic allocation can capture opportunities across the spectrum and provide robust returns over the long term.

2. Mid Cap Funds

Mid cap funds focus on medium-sized companies with high growth potential. These companies often grow faster than large caps and can offer higher returns. However, they come with higher risk, suitable for a long-term horizon.

3. Sectoral or Thematic Funds

These funds invest in specific sectors like technology, healthcare, or financial services. Investing in a growing sector can yield substantial returns. However, they are riskier and require careful selection and timing. For example, the healthcare sector in India is poised for significant growth due to increasing health awareness and spending.

4. International Funds

Investing in international funds provides exposure to global markets. This diversification can reduce risk associated with the Indian market. It also allows you to capitalize on the growth of developed economies and emerging markets. For instance, a fund investing in US technology stocks can offer high growth potential.

5. Balanced or Hybrid Funds

Balanced funds invest in both equity and debt instruments. They provide growth potential with equity and stability with debt. This mix can be suitable for moderate risk tolerance and long-term investment. These funds can provide a cushion during market volatility, ensuring smoother returns.

6. Multi-Asset Funds

Multi-asset funds diversify across various asset classes, including equity, debt, and gold. This diversification reduces risk and can provide steady returns. Investing in multiple assets helps in balancing the portfolio against market fluctuations.

The Benefits of Actively Managed Funds

While index funds passively track market indices, actively managed funds have fund managers making strategic decisions. Actively managed funds aim to outperform the market, providing higher returns. They adjust portfolios based on market trends, economic conditions, and company performance. This active management justifies the slightly higher expense ratios, as it can potentially lead to better returns than passive funds.

Implementing the Strategy

Based on the analysis, here's a suggested allocation for your additional Rs 5,000 investment:

Flexi Cap Fund: Rs 1,500
Mid Cap Fund: Rs 1,000
Sectoral/Thematic Fund: Rs 1,000
International Fund: Rs 1,000
Multi-Asset Fund: Rs 500
This allocation provides a balanced mix of growth potential and risk mitigation.

Regular Review and Adjustment

Investing is not a one-time activity. Regularly review your portfolio to ensure it aligns with your goals. A Certified Financial Planner can assist in this process, providing insights and adjustments based on market trends and your evolving financial situation.

Final Insights

Investing for the long term requires a strategic approach. Your current SIPs are a good start, and with the additional Rs 5,000 investment, you can further strengthen your portfolio. Diversification across different asset classes and sectors is key to maximizing returns and minimizing risk.

Consider the benefits of regular funds through a Certified Financial Planner. While they have higher expense ratios, the personalized advice and active management can enhance your investment performance.

Focus on a balanced mix of flexi cap, mid cap, sectoral/thematic, international, and multi-asset funds. This diversified approach can capture growth opportunities across markets and sectors, ensuring a robust and resilient portfolio.

Regularly review your investments, adjust based on performance and market conditions, and stay committed to your long-term goals. With careful planning and strategic investments, you can build a substantial corpus for your future needs.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

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

Asked by Anonymous - Nov 18, 2024Hindi
Listen
Money
Please suggest if following investment are good as SIP started last year sep 2023 HDFC Flexi cap 5000, Parag Parikh 5000,SBI L & Mid cap 2500/-, Axis Blue chip fund 2500, AXis Mid cap fund 2500/- HDFC mid-cap opportunities fund 5000, Kotal emerging fund 2500/- Nippon India smal cap fund 5000/- HDFC Pharma & healthcare fund 4000/- Nippon India multicap fund 2500/- HSBC value fund 3000/- Investment are on monthly basis. Pease advise
Ans: Your portfolio demonstrates a proactive approach to wealth building. It includes diverse mutual funds across categories. Monthly SIPs indicate your long-term financial discipline. This is commendable. However, let’s evaluate its alignment with your financial goals.

Below are detailed insights for your portfolio assessment:

Strengths of Your Portfolio
Diversification

You’ve invested in funds from multiple categories. This includes large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds.
A diversified portfolio reduces overall risk. It balances growth potential across market segments.
Consistency

Monthly SIPs ensure disciplined investments. This helps capture market volatility effectively.
Long-term SIPs can create substantial wealth through compounding.
Exposure to Growth Opportunities

Investments in mid-cap and small-cap funds offer higher growth potential. These funds are suitable for long-term wealth creation.
Sectoral funds provide concentrated exposure to booming sectors like healthcare.
Inclusion of Value and Multicap Funds

Value funds identify undervalued stocks. This can deliver long-term growth.
Multicap funds offer flexibility to invest across market capitalizations.
Areas for Improvement
Overlapping Fund Categories

Having multiple funds in the same category might lead to redundancy. For example, multiple mid-cap and flexi-cap funds.
Similar funds can increase portfolio overlap. This reduces the benefit of diversification.
Sectoral Fund Allocation

Sectoral funds like healthcare have high risk. These funds depend on sector-specific performance.
Such funds should have limited allocation in a balanced portfolio.
Number of Funds

A portfolio with too many funds can be hard to track. It dilutes returns without adding significant diversification.
Fewer funds with distinct strategies are easier to manage and monitor.
Portfolio Insights
Risk Assessment

Your portfolio leans towards high-risk categories like mid-cap and small-cap.
Consider balancing it with funds having stable growth, such as large-cap or flexi-cap.
Goal-Based Allocation

Align investments with specific financial goals. For example, retirement, child’s education, or buying a house.
Define timelines for each goal. Adjust fund categories based on risk tolerance and time horizon.
Taxation Awareness

Equity fund gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains attract 20% tax.
Ensure to account for these taxes in your investment strategy.
Regular Fund Investment Benefits

Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) offers advantages.

They provide expert insights, fund tracking, and timely rebalancing.

Direct fund investments might lack professional guidance. This could lead to suboptimal decision-making during market volatility.

Suggested Course of Action
Streamline the Portfolio

Reduce the number of overlapping funds. Keep one or two funds per category.
Focus on high-quality funds with a proven track record.
Adjust Sectoral Fund Exposure

Limit sectoral fund exposure to a small percentage of your total investment.
Use these funds only for specific, high-risk goals.
Rebalance Annually

Review your portfolio at least once a year. Rebalance it to maintain desired asset allocation.
Shift funds if they no longer align with your goals or risk tolerance.
Emergency Fund Allocation

Maintain a liquid fund or emergency fund equivalent to 6-12 months of expenses.
This avoids withdrawing SIPs during unexpected financial needs.
Monitor Fund Performance

Regularly review the performance of each fund against its benchmark.
Replace consistently underperforming funds with better alternatives.
Long-Term Discipline

Stick to your SIPs, especially during market downturns. This helps average out costs.
Avoid making decisions based on short-term market fluctuations.
Final Insights
Your portfolio reflects a strong commitment to financial growth. However, streamlining your investments can enhance efficiency and returns. Focusing on goal-based allocation ensures better alignment with your financial objectives.

Consider professional guidance to refine your portfolio and stay on track. This ensures your investments work harder for your future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Nayagam P

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Sir my son's JEE Mains 2025 result is 99.566 percentile alongwith 6812 crl rank. In JOSAA 1st & 2nd round he got ECE in IIIT Alahabad but he is much more interested to join NIT Warangal ECE so what's the possibility of his desire. Also please tell which Institute have best faculties amongst ece of Nit Warangal,Nit rourkela,IIIT Allahabad. Thank you so much sir. Regards Sir.
Ans: With a 6,812 CRL rank and 99.566 percentile, your son’s chance to shift to NIT Warangal ECE is slim: the General All-India closing rank for ECE was 2,234–2,360 in Round 2 and 2,234 was the final cut-off across all rounds in 2025. His rank falls outside these thresholds, making allotment in subsequent JoSAA rounds unlikely. Among the three institutes, NIT Rourkela’s ECE department leads in research output with 551 journal articles, 859 conference papers, 6,681 other publications, 9,940 citations, and an h-index of 39, reflecting strong faculty research credentials. NIT Warangal follows closely, producing 485 journal articles, 617 conference papers, 8,089 other works, 6,139 citations, and an h-index of 34. IIIT Allahabad’s ECE faculty, while highly qualified, shows comparatively lower output—373 journal articles, 267 conference papers, and 4,871 citations with an h-index of 29.

Recommendation: Retain IIIT Allahabad ECE seat as NIT Warangal ECE is out of reach; consider NIT Rourkela for superior faculty research strength or NIT Warangal for a balanced academic and placement record if a lateral move becomes available.All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 29, 2025

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My daughter got 69 percentile in Jee mains 87.13 percentile in MHt cet which branch and which college should I go for?
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Hi, I have got 52k rank in comedk which are the top college which I can get ECE.
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Nayagam P

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Career Counsellor - Answered on Jun 29, 2025

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IIT tirupati cse review
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IIT Tirupati CSE is recommended for its rigorous academic framework, expert faculty, state-of-the-art infrastructure, industry-aligned research collaborations, and consistent placements. Recommendation: Enroll in IIT Tirupati CSE to leverage its holistic education model, extensive industry partnerships, and supportive career services for a strong launch into the tech sector. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 29, 2025

Asked by Anonymous - Jun 28, 2025Hindi
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My son jee advance 2025 secure 2436 EWS rank in which IIT got seat
Ans: With an EWS category rank of 2436 in JEE Advanced 2025, your son has realistic chances of securing admission in several IITs, particularly in the newer campuses and core engineering branches rather than Computer Science Engineering. JEE Advanced 2025 cutoff for EWS category was set at 18.50% aggregate marks, significantly lower than the general category requirement of 20.56%. This reduced threshold reflects the 10% EWS reservation that provides competitive advantage over general category candidates.

Among the accessible options, IIT (ISM) Dhanbad offers strong prospects with EWS closing ranks of 528 for CSE, 1121 for Electrical Engineering, 1462 for Mechanical Engineering, 1674 for Chemical Engineering, and 1950 for Civil Engineering in 2024. Newer IITs including IIT Bhilai (EWS closing ranks: 1009-1201 for Data Science & AI), IIT Palakkad, IIT Tirupati (EWS closing rank 727 for CSE), IIT Jammu, IIT Goa, IIT Mandi, and IIT Ropar present viable alternatives with EWS cutoffs generally falling between 800-2500 across various engineering disciplines. These institutes offer core branches including Electrical, Mechanical, Civil, Chemical, and Materials Engineering within the EWS rank range of 2436. Previous year data indicates that candidates with ranks around 2000-2500 in EWS category typically secure admission to newer IITs and less competitive branches in established IITs, with the 2024 EWS last round rank extending to 25,524 overall.

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