Hi Mr Ramalingam. I want to start investing in sip. Can u tell me which ones I shud take. Every month I can do 12k on sip

Ans: You may consider the below;

• Samco Flexi Cap fund Growth
• Motilal Oswal Focused 25 fund Growth
• Axis ESG Equity fund – Growth
• DSP Quant fund - Growth

Ans: Hello Debanshu. You may consider midcap, small cap and flexicap categories for your sip additions/increase based on your age and investment time horizon.

Ans: Two years into your SIP journey, already? That's fantastic! Remember that feeling of starting out, unsure but determined? Well, pat yourself on the back – you're building a secure future, brick by brick. And now you're ready for the next step, like a wise king expanding his kingdom!

Here's the thing: you've got a good foundation with your existing SIPs. The multi-asset fund helps balance things out, while the ELSS fund gives your taxes a haircut – that's a smart king, you are!

Now, with an extra 10k to deploy, consider adding another SIP. Think of it as diversifying your army – you wouldn't want just archers, would you? A well-rounded portfolio helps manage risk. Talk to a fee-based Certified Financial Planner – they're like your royal advisor – to see if a mid-cap or a sector-specific fund might be a good fit for your goals.

Remember, investing is a marathon, not a sprint. Stay focused, keep those SIPs flowing, and watch your future grow like a bountiful harvest!

Ans: Starting Your SIP Journey: A Guide for New Investors
Welcome to the world of SIPs! Starting your SIP journey is an exciting step towards building wealth for the future. Let's explore the best way for you to begin and identify suitable investment options for achieving good returns over the long term.


Congratulations on taking the initiative to start your SIP journey! Your decision to invest in SIPs demonstrates a proactive approach towards securing your financial future.

Understanding Your Investment Goals and Risk Appetite
Investment Goals:
Define your financial goals and objectives, considering factors such as retirement planning, wealth creation, or education funding.
Establishing clear investment goals will help you select SIPs that align with your objectives.
Risk Appetite:
Assess your risk tolerance to determine your comfort level with market volatility.
Since you indicate a medium to high risk appetite, you may consider equity-oriented SIPs for potentially higher returns.
Choosing SIPs for Long-Term Growth
Equity Mutual Funds:
Equity mutual funds have historically delivered higher returns over the long term compared to other asset classes.
Consider diversified equity funds, large-cap funds, multi-cap funds, or thematic funds based on your risk appetite and investment horizon.
Balanced Funds:
Balanced funds, also known as hybrid funds, offer a mix of equity and debt investments, providing a balanced approach to risk and return.
These funds can be suitable for investors seeking moderate risk exposure with relatively stable returns.
Thematic Funds:
Thematic funds invest in specific sectors or themes, offering exposure to emerging trends or industries.
While thematic funds can potentially generate higher returns, they also carry higher risk due to concentrated exposure.
Constructing Your SIP Portfolio
Diversification:
Maintain a well-diversified SIP portfolio across different asset classes, sectors, and fund categories to reduce risk.
Avoid concentration in any single investment or sector to mitigate the impact of market fluctuations.
Regular Review and Rebalancing:
Periodically review your SIP portfolio to assess performance and ensure alignment with your financial goals.
Consider rebalancing your portfolio if necessary to maintain the desired asset allocation.
Getting Started with SIPs
Selecting SIPs:
Research and shortlist mutual funds based on their track record, fund manager expertise, investment philosophy, and risk-adjusted returns.
Consult with a Certified Financial Planner to identify SIPs that align with your financial goals and risk profile.
Systematic Investing:
Start your SIPs with an amount you are comfortable investing regularly, considering your cash flow and financial obligations.
Set up SIPs for a fixed amount at regular intervals (e.g., monthly or quarterly) to benefit from rupee cost averaging.
Conclusion: Embarking on Your SIP Journey
Starting your SIP journey requires careful consideration of your investment goals, risk appetite, and fund selection. By choosing suitable SIPs aligned with your long-term financial goals and regularly monitoring your portfolio's performance, you can lay a solid foundation for wealth creation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in