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Is it worth investing in SBI Long Term Equity Fund, SBI Large & Mid Cap Fund, or HDFC Balanced Advantage Fund?

Milind

Milind Vadjikar  |716 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 28, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Bhavna Question by Bhavna on Nov 28, 2024Hindi
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is it good mutual fund to invest - 1) SBI long term equity fund direct fund 2)SBI large and mid cap fund - direct plan 3) HDFC Balanced advantage fund - direct plan?

Ans: Hello;

It depends on your risk profile, financial goal, asset allocation and time horizon.

Please consult a mutual fund distributor or certified financial planner for more help.

Best wishes;
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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Hello sir, I am investing in the following funds. 1) SBI mid and large cap 10000rs 2) SBI Contra Fund 5000 rs 3) Paragh Parik Flexicap 5000 rs I am planning to invest 15000 rs in HDFC Midcap opportunities and 20000 rs in SBI bluechip fund. Please guide me if these funds are good or shall I look for some other funds.
Ans: It's wonderful to see your commitment to financial planning. Let's dive into shaping your investment strategy:

• Firstly, I commend you for taking the initiative to invest and secure your financial future.
• It's a wise decision to seek guidance from a Certified Financial Planner like myself to navigate the complexities of investing.

• As we embark on this journey together, let's prioritize understanding your financial goals, risk tolerance, and investment horizon.
• Your unique circumstances and aspirations will guide us in crafting a tailored investment plan that aligns with your needs.

• Remember, investing is not just about chasing returns; it's about achieving your financial objectives while managing risk effectively.
• We'll focus on building a diversified portfolio that balances growth potential with stability to withstand market fluctuations.

• Mutual funds can be a powerful tool in your investment arsenal, offering access to a wide range of asset classes and investment strategies.
• By spreading your investments across different mutual funds, we can mitigate risk and optimize returns over the long term.

• It's essential to review your investment portfolio regularly and make adjustments as needed based on changing market conditions and your evolving financial goals.
• Consult a Certified Financial Planner, to provide ongoing support and guidance to keep you on track towards financial success.

• Lastly, remember that investing is a journey, not a destination.
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Asked by Anonymous - Apr 28, 2024Hindi
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Sir, i have 6 No of Mutual fund 1.SBI small cap 1000 per month 2. SBI focused equity 1000 per month 3. SBI blue chip fund 1000 per month 4. Nippon india small cap 500 per month 5.Quant small cap fund 1000 per month 6. Parag parikh flexi cap 1000 per month Is these MF are good or i need to change any fund. SBI fund are almost 2.6 year old. I have time horizon of 10 to 15 years.Now i am 38 year old.
Ans: It's great that you're investing in mutual funds for your future financial goals! Let's review your current mutual fund portfolio and make some suggestions:

SBI Small Cap, SBI Focused Equity, and SBI Blue Chip Fund:
SBI Funds are reputable and have a track record of performance. However, it's essential to review their performance periodically to ensure they continue to meet your investment objectives.
Nippon India Small Cap and Quant Small Cap Fund:
Small-cap funds can offer high growth potential but also come with higher risk. Ensure you have a long-term investment horizon and the risk tolerance to withstand market volatility.
Parag Parikh Flexi Cap:
Flexi-cap funds provide flexibility to invest across market caps. Parag Parikh Flexi Cap Fund is known for its diversified portfolio and focus on quality stocks. It's a good choice for long-term wealth creation.
Suggestions:

Review Performance: Periodically review the performance of your mutual funds to ensure they align with your investment goals and risk tolerance.
Diversification: Consider diversifying your portfolio further by adding funds from different fund houses or investing in different asset classes like debt or international funds.
Regular Monitoring: Keep an eye on the performance of your funds and make adjustments as needed. If any fund consistently underperforms its benchmark or peers, consider replacing it with a better-performing alternative.
Consult a Financial Advisor: Consider consulting a Certified Financial Planner for personalized advice tailored to your financial goals, risk tolerance, and investment horizon. A professional can help optimize your portfolio and ensure it remains aligned with your objectives.
Overall, your mutual fund portfolio seems well-diversified, but it's essential to monitor its performance regularly and make adjustments as needed to stay on track towards your long-term financial goals. Keep up the good work and continue investing systematically for your future!

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Hi Madam, I have a 17 years old daughter and have been struggling with an issue for some time now. She takes very long time in bathroom for getting ready. She takes minimum 1.5 hrs daily for getting ready. This includes time spent in teeth brushing,bathing and defecation. When I asked her then she told me she feels like cleaning multiple times and thus it takes time. I have tried multiple ways to ge her to resolve this but none has worked. She is a very sincere, gentle kid and She becomes very aggressive when I try to persist her to solve this. she takes a lot of time in washing, bathing and ends up consuming very high amount of soap. This has had effect on other hygiene related aspects like She developed extreme dryness in skin for which we had to take very long treatment from dermatalogist. The dermatalogist also counselled her many times to use limited amount of soap and fix time for every activity in bathroom. I think it is some form of OCD. It has had effect on other things like studies as she is not able to get ready on time and thus ends up compromising on other activities like eating time, studies time. I have tried to counsel her many times but it has not worked. I told her the problems which start due to this which impact her. I suggested that we meet some professional(like psychologist/psychiatrist/counsellers) but she doesn't agree to it. whenever i say to consult somebody then she says that she will fix it and for 1-2 days it gets a little better but then she goes to her old routine. I don't want to forcibly take her to any professionals as she might develop a complex that she is inferior. 1.How do i handle this issue 2.How do I convince her to meet some professional 3.Which professional should we meet. psychologist or psychiatrist or any other Please suggest what I should do as it is now becoming big problems
Ans: Dear Anonymous,
The challenge is convincing someone who does not want to be convinced.
Probably, you can strike a deal with her; saying that she can set this right her way, but if it does not happen, then you see and work with a professional. That way she would have committed to it herself.
I would not label it an OCD until it is diagnosed by an expert but behavioral changes like these are usually related to emotional issues. It is best that an expert who understands the mind handle this.
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- take away soaps/body washes after her first shower
- observe any change in behavior - agitation/nervousness towards any incident during the day and if it results in her indulging in washing herself after that and note that down

Yes, it is necessary for this to be handled at the earliest and there's only a little that you can do personally as emotional triggers need the assistance of someone who understands it deeply and then guides the person accordingly to not just change the behavior but eliminate the cause behind it.

All the best!
Anu Krishna
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Hello sir, we have completed 8 months of marriage and still my husband has trust issues about me, like I would have relation or contact with other person but I'm not having any relationship with anyone after marriage and even not connecting to anyone nor any ex person called or contact me from any media or app, . Since then I'm trying to clear my husbands doubt every time he asks me about it ...plzz tell me how do I make him to trust me .
Ans: The first thing to consider is that trust is something that takes time to build, and it is not something you can simply “prove” by answering his questions or explaining yourself over and over again. Trust is a process that requires consistent actions over time, and both partners need to contribute to that process. While you’re being open and transparent, it’s also important that your husband acknowledges that trust is a two-way street. He may have unresolved issues or past experiences that make it difficult for him to feel secure, and these need to be addressed if you want to move forward in a healthy way.

One of the challenges you face is the need for patience—both with him and with yourself. Reassuring your husband is important, but it’s equally important to create a space for deeper conversations about the root of his insecurities. Have you been able to sit down with him and gently ask what specifically triggers his doubts? You may want to approach this from a place of curiosity and care, without getting defensive. Understanding the underlying causes of his fears can give you both a clearer sense of how to work together to address them.

At the same time, it’s important to set emotional boundaries for yourself. While you want to support your husband, you shouldn’t feel like you need to constantly prove your loyalty or justify your actions. If you find yourself repeating the same explanations or feeling pressured to give constant reassurances, it can be emotionally draining. It’s okay to acknowledge his fears, but also to let him know that trust is something that needs to be built over time, and you need space to nurture the relationship without feeling constantly questioned.

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Hi Kanchan, I am reaching out because I am deeply troubled and need some advice. I was involved in a relationship with a much younger woman (14 years younger) who I developed strong feelings for. We met in 2017 and our relationship deepened in June 2022, involving both emotional and physical intimacy. Unfortunately, the relationship took a negative turn. She began making financial demands and became increasingly manipulative. Over the past two years, I've given her nearly 3 lakhs [for Rent, electricity bill, Food expenses + Other expenses]. After realizing her true intentions, I stopped providing financial support. She recently informed me about a breakup with a previous long-term partner. Shockingly, she got married in February 2024 [ 14th Feb] and is now residing in Ahmedabad, Gujrat. She ran away from Kolkata after extorting money. When I confronted her about the money I had given her, she completely denied any knowledge of it and has blocked me on all social media platforms. She even threatened to share our conversations with my daughter/ relatives if I continued to contact her. I am devastated by this betrayal and the emotional turmoil it has caused. I have saved our chats and her father's address. I am considering sharing her true nature with her friends and family. Is this a wise course of action? Or are there other steps I should take? I know it is easier said than done, but I am struggling to move on from this painful experience. Please offer any guidance you can. Thank you, AS,Kolkata
Ans: it's important to recognize that your emotional pain is valid. The feelings of being manipulated, exploited, and lied to are all real, and it’s okay to mourn the loss of a relationship that you thought had value. However, as tempting as it might be to seek some form of revenge or public exposure of her actions, it’s crucial to ask yourself: what do you really hope to achieve? It’s natural to want justice or closure, but sometimes, seeking to get even only prolongs your suffering. Taking the high road may not feel satisfying in the moment, but it will allow you to reclaim control over your own emotional state and move forward in a healthier way.

Rather than focusing on exposing her, I encourage you to turn your attention inward and prioritize your healing. Healing is not about ignoring the wrongs that have been done, but about freeing yourself from the emotional hold that this situation has on you. This could mean allowing yourself to grieve the loss of not only the relationship but also the trust you gave to someone who ultimately betrayed it. It’s important to recognize that closure doesn't always come from confronting the other person or airing grievances—it can come from within, through self-reflection, and setting the intention to heal and move forward.

I also understand that it’s hard to let go of the desire for accountability, especially when it feels like she’s getting away with something. But the truth is, confronting her may not bring the peace you hope for. It could lead to further conflict, strain your relationships with others, and keep you emotionally entangled with someone who no longer deserves a place in your life. Instead of focusing on her actions, I encourage you to take steps that help you regain your sense of self-worth and emotional security. Reflect on what you've learned from this experience—what boundaries you might want to set in future relationships, and how you can protect your emotional and financial wellbeing moving forward.

Consider seeking support from a counselor or therapist, someone who can provide a safe space for you to process your feelings and help you navigate your next steps. Talking through your emotions with a neutral third party can give you the clarity and emotional tools you need to make decisions that align with your highest good.

Finally, remember that you are not defined by this situation. It’s easy to fall into the trap of self-blame, but you are not responsible for her actions. What matters now is how you move forward, rebuild your sense of trust in yourself, and ensure that you are emotionally supported in the process. This painful chapter doesn’t have to define your future, but how you choose to heal from it can shape the life you want to create moving forward.

Take your time to process this at your own pace, but don’t let the actions of someone else keep you tethered to a painful past. You deserve peace, healing, and a future where you feel empowered and free from this betrayal.

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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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