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Ramalingam Kalirajan |7739 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 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 Hitesh on Jan 01, 2024Hindi

Money

Good morning sir, I am currently investing 14000 per month in different MFs like parag parikh flexi cap, carana robecco small cap, kotak emerging equities, motilal oswal mid cap, nippon india small cap, sbi magnum mid cap. I would like to create a corpus of 5cr after 15 years from now. Which more MFs should I invest in and how much? From the current MFs, in which should I invest more?

Ans: Given your investment horizon and goal of accumulating a corpus of 5 crore in 15 years, you're on the right track with your current MF selection. To diversify further, consider adding funds from other categories like large-cap, multi-cap, or thematic funds based on your risk appetite. Increase SIP amounts gradually over time and monitor performance regularly. Focus on funds with strong track records, competent fund managers, and aligned investment strategies. Rebalance periodically to maintain the desired asset allocation. Consult a financial advisor for personalized guidance tailored to your financial goals, risk tolerance, and investment horizon.

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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I am 31 years old. I want a corpus after 4 years. 2 months back, I have started in investing MFs. Right now, I have started below SIPs. 1. Parag Parikh Flexi Cap Rs. 4000 2. Kotak Small Cap Rs. 1500 3. UTI ETF Rs. 500 Lump sum 1. Tata Small Cap Rs. 8000 2. PGIM India Midcap Opportunities Rs. 5000 Want to know if I have to change something?

Ans: No need to change please continue.

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Currently I'm investing 20k per month in the following mutual funds. I'm looking to create corpus of 1cr in timeline of 15 years. Is my investment right or do I need to change my mutual funds? Please give your valuable suggestions. Thanks SBI small cap fund direct growth- 5k/month PGIM India Midcap opportunity fund direct growth - 5k/ month Canara Robeco Bluechip fund direct growth - 5k/ month. Nippon nifty 50 ETF - 5k/ month

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Question by Gopalakrishna - Dec 07, 2022Hindi

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I am 41 year old working in the software industry. I have no liabilities and I started investing in MFs for the last 4 years. I have a corpus of 10 lakh till now. My current portfolio is: ICICI PRUDENTIAL EQUITY AND DEBT FUND - GROWTH: 10,000.00 HDFC BALANCE ADVANTAGE FUND - REGULAR PLAN - GROWTH: 10,000.00 ICICI PRUDENTIAL BLUECHIP FUND - GROWTH: 10,000.00 SBI LARGE AND MIDCAP FUND REGULAR GROWTH: 10,000.00 Canara Robeco Flexicap Fund Regular GROWTH: 10,000.00 Mirae Asset Emerging Bluechip Fund - Regular Plan GROWTH Option: 2,500.00 AXIS MIDCAP FUND - GROWTH: 2,000.00 Mirae Asset Large Cap Fund GROWTH Plan: 2,000.00 I also contribute 29,000 per month towards EPF and 17,000 per month towards NPS. My Question is, are the above funds fine? How much corpus will I create in 15 years?

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

Question by Hitesh - Jan 01, 2024Hindi

Money

Good morning sir, I am currently investing 14000 per month in different MFs like parag parikh flexi cap, carana robecco small cap, kotak emerging equities, motilal oswal mid cap, nippon india small cap, sbi magnum mid cap. I would like to create a corpus of 5cr after 15 years from now. Which more MFs should I invest in and how much? From the current MFs, in which should I invest more?

Ans: To achieve your goal of creating a corpus of 5 crores in 15 years, you may consider diversifying your mutual fund portfolio further. Since you are already investing in various categories like flexi cap, small cap, mid cap, and emerging equities, you have a good foundation.

To add more diversification, you could consider including large-cap funds for stability and balanced funds for a mix of equity and debt. Additionally, you may increase your investment in funds that have historically shown strong performance and align with your risk tolerance and investment objectives.

It's essential to regularly review your portfolio's performance and make adjustments as needed to stay on track towards your financial goals. Consider consulting with a financial advisor who can provide personalized recommendations based on your individual circumstances and investment preferences.

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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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