Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Ramalingam Kalirajan |2330 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 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

Asked by Anonymous - Dec 17, 2023Hindi

Money

Hi, my Mutual Fund current balance is 12 Lakhs (incl. 4 lakh profit). My age is 35 yrs. Investment period till 58 yrs of my age (23 years horizon) My Folio is (SIP) 1. Mirae large cap -4k 2. Mirae Emerging Bluechip -6k 3. Quant Multicap -4k 4. SBI Smallcap - 6k 5. ICICI Value Discovery - 4k From Next FY, Planning to invest Motilal Microcap -3k. Apart from MF, I have below EPF - 7k (current balance 6 lakhs) NPS - 3.5k (current balance 1.5 lakhs) LIC - 1 Lakh (as if now paid for 5 years, 5 lakhs) FD - 2 Lakh (Emergency Funds) Health Insurance - 25k/year (30 lakh coverage for my family incl. My parents) Please Suggest any changes in my portfolio for better returns and how much predicted returns can I get. Expecting 3.5 to 4 crores. My goals 1. daughter and son higher education. Now they are 3 yr and 2 yr old 2. Daughter and son marriage 3. Retirement life

Ans: Given your diversified portfolio and goals, maintain your current investments and gradually increase your emergency fund. Ensure your Motilal Oswal Microcap Fund addition complements existing holdings. Aim for a balanced approach, reviewing progress regularly to stay on track. Seek professional advice for personalized guidance. Predicted returns depend on market conditions and fund performance. Adjust contributions as needed.

Ramalingam, MBA, CFP
Chief Financial Planner

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

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by VIJAY - Aug 03, 2022Hindi

Money

My Goals are given below: Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr. Child Marriage -- 80 Lakh Retirement -- 2.5 CR My age is 38 Yrs. I still can work for another 15 to 20 yrs. Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below: Quantum India ESG Equity Fund Sep-19 2000 Quantum Long term Equity Value Fund Sep-19 2000 HDFC SMALL CAP FUND - Sep-19 2500 BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000 Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000 Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500 Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000 Axis Mid Cap Growth Direct Plan Nov-19 2500 Axis Focused 25 Growth Direct Plan Nov-19 3000 Axis Flexi Cap Growth Direct Plan Nov-19 2500 Kotak Flexicap Growth Direct Plan Nov-19 2500 Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500 ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500 29500 Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by VIJAY - Aug 03, 2022Hindi

Money

My Goals are given below: Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr. Child Marriage -- 80 Lakh Retirement -- 2.5 CR My age is 38 Yrs. I still can work for another 15 to 20 yrs. Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below: Quantum India ESG Equity Fund Sep-19 2000 Quantum Long term Equity Value Fund Sep-19 2000 HDFC SMALL CAP FUND - Sep-19 2500 BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000 Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000 Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500 Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000 Axis Mid Cap Growth Direct Plan Nov-19 2500 Axis Focused 25 Growth Direct Plan Nov-19 3000 Axis Flexi Cap Growth Direct Plan Nov-19 2500 Kotak Flexicap Growth Direct Plan Nov-19 2500 Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500 ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500 29500 Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by VIJAY - Aug 03, 2022Hindi

Money

My Goals are given below: Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr. Child Marriage -- 80 Lakh Retirement -- 2.5 CR My age is 38 Yrs. I still can work for another 15 to 20 yrs. Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below: Quantum India ESG Equity Fund Sep-19 2000 Quantum Long term Equity Value Fund Sep-19 2000 HDFC SMALL CAP FUND - Sep-19 2500 BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000 Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000 Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500 Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000 Axis Mid Cap Growth Direct Plan Nov-19 2500 Axis Focused 25 Growth Direct Plan Nov-19 3000 Axis Flexi Cap Growth Direct Plan Nov-19 2500 Kotak Flexicap Growth Direct Plan Nov-19 2500 Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500 ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500 29500 Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Ramalingam Kalirajan |2330 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2024

Question by Gaurav - Dec 28, 2023Hindi

Money

Hello Sir, Hope You Are doing well. I would like to thank you for the help that you provide to us. I started Investing in Mutual Fund almost 3 Yrs Ago. Can you please analyse my portfolio, and suggest any changes, if required. Axis Midcap Invested-2.40L Current-2.90L(5K SIP Ongoing) Axis BlueChip Invested-1.95L Current-2.19L(10K SWP) Inactive Quant Liquid Plan Invested- 1.19L Current-1.27L(Emergency Fund) Mirae Asset Emerging BlueChip Invested- 67.5K(Increased-12.5K) Current-81.41K(Active 2.5K) Nippon IndiaSmall Cap Invested-42.5K Current-61.58K(2.5K SIP Active) SBI Tech Opp Fund Invested-50K Current-55.06K(2.5K SIP Active) Tata Digital India Fund Invested-37.5K Current-40.99K (Inactive SIP) Quant Small Cap Invested-15.00K Current-17.67K(2.5K SIP Active) Mirae Asset Large Cap Invested-00.00K(10K SIP Started) Moving from Axis BlueChip I know you advice against thematic Fund, but I would like to continue my Investment in that Fund. My Age is 27Yrs, 1Month, I am planning to go for MBA Now, and will discontinue my SIPs until I get a Job (Except for a few Internship Lump sum). My Goals are 5Cr for a House in 20Yrs, 3Cr for My Children Education in 20Yrs and 10Cr for Future Retirement Prospects in 30Yrs. I will be increasing my SIP to 35K from Current 20K. Please Advice. Thank You.

Ans: It's commendable that you've been investing systematically and have clear financial goals in mind. Considering your long-term objectives, it's essential to ensure that your portfolio remains diversified and aligned with your risk tolerance. While thematic funds like the one you're invested in can offer potential growth, they also carry higher risk. As you pursue your MBA and temporarily pause SIPs, continue monitoring your portfolio periodically. Once you resume regular investing, consider rebalancing your portfolio if needed to maintain diversification. Consult with a financial advisor to optimize your investment strategy and ensure it aligns with your evolving goals and risk profile.

Ramalingam Kalirajan |2330 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Apr 03, 2024Hindi

Money

I am 50 working professional. Below is my MF portfolio . 1. Parag Parikh Flexi Cap Fund 2.6 lakhs + 10K SIP 2. PGIM India Midcap Opportunities Fund 1.85 L Value + 5K SIP 3. Quant ELSS Tax Saver Fund 80K 4. Axis Small Cap Fund 1.85 Lakhs Value + 5K SIP 5. Axis Gold Fund 75K Value + 5K SIP 6. Canara Robeco Bluechip Equity Fund 70K 7. Quant Multi Asset Fund 50K 8. SBI Magnum Income Fund 50K 9. ICICI Prudential Equity & Debt Fund 50K 10. Quant Active Fund 50K 11. ICICI Prudential Bluechip Fund 25K I want to build a retirement corpus of 2 crore in 10 years. I am planning to invest around 50K every month. Plus i have. surplus of 4Lakks which i want to invest in few of the MFs above. Planning to exit Canara Robeco bluechip and Axis Small cap soon. Please suggest if any changes you want me to do.

Ans: Given your goal of building a retirement corpus of 2 crores in 10 years and your current portfolio, here are some suggestions:

Increase SIP Contributions: Consider increasing your SIP amounts in high-performing funds like Parag Parikh Flexi Cap and PGIM India Midcap Opportunities Fund, which have shown good potential for long-term growth.

Review and Consolidate: Evaluate the performance of all your funds and consider consolidating your portfolio to fewer, well-performing funds to simplify management and potentially enhance returns.

Focus on Quality: Prioritize funds with strong track records, consistent performance, and experienced fund management teams. Consider adding large-cap and diversified equity funds for stability and balanced growth.

Asset Allocation: Ensure a balanced asset allocation across equity, debt, and gold funds based on your risk tolerance and investment horizon. Reallocate surplus funds strategically to maintain a diversified portfolio.

Regular Review: Monitor your portfolio regularly and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.

Consider consulting with a financial advisor for personalized advice tailored to your specific circumstances and goals.

Latest Questions

Ravi Mittal |193 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 16, 2024

Asked by Anonymous - May 10, 2024Hindi

Relationship

Hello Sir, it has been 4 years since I got married. I have two kids. My wife loves me a lot. One day, in a casual conversation, she told me about her past life before marriage. I too had physical relations with a friend. Since then, I have been in depression. What should I do? I am unable to understand. Should I separate or leave her. Although now she keeps crying that that was the past. Now I love you very much, but I am unable to understand what to do. Please guide us. I feel that my life has been ruined. I am unable to understand ????????

Ans: Dear Anonymous,

I am assuming that whatever your wife confessed happened before you met her. And assuming that I want to ask you, are you seriously mad at your partner for having a life before you even existed for her? Is that even something to be concerned about? Everyone has a past. If you did not, that's your choice. She did, that's hers. How can you judge her for something that happened before you two got married? This anger, no matter how real it feels, is quite baseless. You are ruining your peace and marriage for nothing.

And you say, "She is crying that that was her past," why does she have to cry? It was indeed in her past. It is entirely up to the person whether they want to disclose it or not. Past is supposed to be in the past. Have a clear discussion with your wife. If things don't seem to cool down, I recommend seeing a marriage counselor who can help sort this issue in a more structured way.

Best Wishes.

Ravi Mittal |193 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 16, 2024

Asked by Anonymous - May 16, 2024Hindi

Relationship

Dear LG, Please keep this anonymous. I have been married since 6 years. However, since past 5+ years we have not been intimate. We haave a 5&1/2 year kid. Since his birth we have had a lot of differences and his family interference was lot leaving me alone and wounded. I don't stay with my husband and in-laws since then. I had made up that work is worship. But 2 years back I met a colleague. He is 10 years younger to me and we have extremely similar vibes. We enjoy each other's company and cared a lot. Eventually i fell in love with him. But he always knew he wont be able to go against his family. We also had relationship. Now he has strated looking for girls and wants us to stop being intimate. He is saying he wants to be friends and not loose me but not have relationship. We both work together in same space and our area of work is also same. I am unable to forgive my husband and forget this person. He never goes away. He is always there telling that I want to see you happy. He needs me for professional development. And i am not able to loose our relationship. He says physical intimacy only I cant have remaining Im there. Then again says I don’t know when I will be there so I am unable to give assurance or promise. I am tormented with a child, work and my health is getting affected. Can you please help?

Ans: Dear Anonymous,

I am sorry that you are in such a tough spot. My advice would be to move on. Yes, I realize that it is easier said than done but let's put things into perspective- first, you have no future with this man, and he has made it clear. Are you okay to keep hanging on to him while he builds his own life? I am assuming no, especially since you have a child. Second, what about your self-respect? He is directly telling you that this relationship is headed toward a dead end. Do you believe you deserve to be with someone who does not want to settle down with you? I believe you deserve better.

I am not blaming him because he made no promises. You are not to be held guilty either because you were in a tough spot and you grabbed the first emotional support you found. But the current reality is that he wants out. And convincing him to stay is not an option. At this point, moving on with your head held high is the best decision. If you want to accept his friendship, that is completely fine. But if that's too much for you, you can always decline it. I understand that working in the same space with an ex is difficult, but as long as you avoid interacting outside of the office and keep things professional, there should not be an issue. On the emotional front, I won't lie, it will hurt for a while. But this too shall pass. I strongly recommend you not to value yourself so low that you stop believing that you deserve a person who loves you back as much as you love him.

Best Wishes.

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 13, 2024Hindi

Money

I am 25 and earning 41k a month. My monthly expenses are 19k and I save around 22k a month. I have started investing in mutual funds and investing 12k/month. My financial goal is to have a corpus of 4-5 Cr at the time of my retirement. Would like to retire at 55. Should I consider investing in NPS? Please advise.

Ans: Increase your SIP in mutual funds as with current investment of SIP you will be able to make 2.25 to 2.5 crore

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Question by Shambhu - May 13, 2024Hindi

Money

I am 45 yrs old .i hv started investing in Mutual fund through Sip approx month 2.4lakh since last 6 month. I hv plan to keep investing for next 3 yrs in same pattern and subject to availability of fund remaining I can continue further for next 5 yrs . Following are investment UTI nifty 200 momentum 30 index - 50 k Nippon nifty 250 small cap index fund -25k ICICI prudential mid cap 150 index fund-20 k HDFC s&p Sensex index fund-20 k Aditya Birla psu equity fund-20 k Motilal Oswal mid cap fund-20k HDFC infrastructure fund-20 k HDFC large and mid cap fund-10 k Quant small cap-10k Nippon small cap -10 k Parag flexi cap- 10 k Mahendra manulife multicap- 10 k Sbi contra fund-10 k Please advise on my fund selection and suggest which plan to to be removed or amend with new plan suggested from you

Ans: Your funds are good

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 13, 2024Hindi

Money

Dear All, I am 34 years old. I have 204 lakhs as savings out of with 110 lakhs is debt and 95 lakhs in equity majorly in Large Caps. I own a real estate which fetches me 30k every month. I have a EPF corpus of 28 lakhs and PPF of 15 lakh. I have 1 year old daughter. I am debt free with independent home and a package close to 35 lakhs. I want to know how do I further allocate the money. In Mutual Fund, Gold or SSY or continue to add equity and debt. I want to be Financially independent. Your view would be of great help.

Ans: Increase your allocation in equity or equity mutual fund as you are too young and your goals are long term.

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 14, 2024Hindi

Money

I am 30 years old now . Planning to retire early in next 10 years.I don't have any pension flowing in. What will be the corpus required to achieve 1 lakh per month in SWP method. Without reducing the corpus accumulated?

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 14, 2024Hindi

Money

I'm a 36 Year-old parent with two children aged 2 and 3, prioritizing their education and marriage. Mutual Fund - All in monthly SIP (with yearly 10% increase) Mirae Large and midcap - 5500 SBI smallcap - 6500 ICICI value Discovery - 4000 Quant Active Fund - 4000 Motilal microcap - 1000 Axis Gold fund - 4000 (just started) Current MF value - 13.50 Lakhs (incl XXIR - 20%) LIC - 1,00,000 per year (15 years term) already 5 years over. Expectations: Next 15 years, both kids education - 2 cr. Next 20 years, both kids marriage - 2 cr. Could you review my portfolio, if I'm on the right track to achieve 4 crore.

Ans: Your funds are good but you may not reach to your goal of 4 crores

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Question by Vaibhav - May 15, 2024Hindi

Money

Dear Sir, I have revisited my investments and found that some of them are not performing well with respect to their peers in their categories. Can I know your opinion on below funds - HSBC Aggressive Hybrid Fund, Adity Birla Sun Life Focused Fund, Canara Robeco Emerging Equities, SBI bluechip Fund. Should I keep my money invested in them, or should I move the money to better funds.

Ans: What is your age

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 15, 2024Hindi

Money

Age - 43years, Own house - Value around 50 Lacs, MF investments - 35 Lacs, Equity SIPs running - 20k, FDs - Emergency fund (5 Lacs), Salary - 30 Lacs p.a., I would like to buy house of 2 crore in next 2-3 years.. when should I sell my current house which is valuing around 50 Lacs to have limited tax liability.

Ans: In the year of buying new house

Sunil Lala |190 Answers |Ask -Follow

Financial Planner - Answered on May 16, 2024

Asked by Anonymous - May 15, 2024Hindi

Money

Hello sir, I am 33 years old and started my SIP one month ago with ?4,200/month invested in the following funds: SBI Contra Direct Plan Growth, HDFC Mid Cap Opportunities Direct Plan, Tata Equity P/E Fund, Quant ELSS Tax Saver, ICICI Prudential Equity & Debt Fund, HDFC Small Cap Fund, and Nippon India Large & Small Cap Fund. Can this portfolio get me ?2 crore return after 20 years? Also have plans later can add parag flexi, and quant mid cap.

Ans: Your SIP is 4200/- ?

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