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Ramalingam

Ramalingam Kalirajan  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 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
PRANJIT Question by PRANJIT on Aug 29, 2023Hindi
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Hi Namaskar Sir, I m 46 yrs Gov't employee &retirement is on 08/36.i already investing in MF since 2018.My portfolio is as follows All r direct growth fund. 1,PPFS Fund 4000/month 2,Edelweiss midcap fund 2500/ month ( newly started.( Total 12500.invested) 3 Mirae Asset large cap 2500/month (newly started Total 12500.invested. 4 Quant Active fund 2500/month. 5 Pgim flexi cap fund 2500/month. 6 Nippon India small cap fund 2500/month. ( newly started Total 7500 investment 7Sbi small cap fund 3000/month 8 Sbi Magnum midcap fund 2500/month newly started. 9Sbi contra fund 2500/month newly started. 10 Sbi technology fund 2000/ month 11Kotak emerging equity fund 3000/ month 12Hdfc midcap oppurtunities fund 2500/ month newly started total 7500 investment. Sir please look at my portfolio & Advice if needed. My risk appetite is highly aggressive & my investment is 13 yrs to create wealth for children education and also for retirement. My NPS monthly 14018/ month deduction. How much corpus can i accumulate in 13yrs of investment with this portfolio's?

Ans: Your portfolio appears to be heavily concentrated in mid-cap and small-cap funds, indicating a high-risk, aggressive approach. Here are some suggestions for consideration:

Diversification: While high-risk investments can offer potential for higher returns, it's crucial to diversify across different asset classes and fund categories to mitigate risk. Consider adding large-cap or multi-cap funds to balance your portfolio.

Review and Rebalance: Regularly review the performance of your funds and rebalance your portfolio if necessary. If any fund underperforms consistently or doesn't align with your investment strategy, consider replacing it with a better-performing alternative.

Risk Management: Understand the risk associated with mid-cap and small-cap funds and ensure that your overall portfolio risk is balanced according to your risk tolerance and investment horizon.

Long-Term Perspective: Stay committed to your investment plan and maintain a long-term perspective. Over a 13-year horizon, equity investments have the potential to deliver significant returns, but there may be periods of market volatility that require patience and discipline.

Regular Contributions: Continue with your SIP contributions regularly, and consider increasing your investment amount over time as your income grows or allocate additional funds towards your investment portfolio.

Seek Professional Advice: If you're uncertain about your investment strategy or need personalized guidance, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Regarding the potential corpus accumulation in 13 years, it's challenging to provide an exact figure due to the unpredictable nature of the market. However, with a disciplined approach and assuming reasonable market growth, your portfolio has the potential to accumulate a significant corpus over the long term. Regularly monitor your investments and make adjustments as needed to stay on track towards your financial goals.
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  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Asked by Anonymous - Sep 02, 2023Hindi
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Thanks a lots for your answers Ma'm My wife also Gov't employee she also invest in MF since May 2018.Her portfolio is as follows All funds are direct Growth fund 1 CANARA ROBECCO BLUE CHIP fund 2000/month 2 CANARA ROBECCO emerging EQUITIES fund 3000/month 3 Mirae asset emerging blue chip fund 3000/month 4J M flexi cap fund 3000/month 5 PGIM Midcap oppurtunities fund 2500/month 6 Qant small cap fund 2000/month 7 Quant midcap fund 2000/month 8 Quant flexicap fund 2500/month 9 Motilal oswal midcap fund 1500/moth. 10 SBI small cap fund 2000/month 11 HSBC Value fund 2000/month 12 TATA Digital India fund 1000/month 13 TATA Small cap fund 1000/month Now Ma'am I want to know How much corpus she can accumulate in 20 yrs above as her retirement is 1 sept2047? As her total investment 27500/ month Moreover let to know any diversification of portfolio is needed? The fund required for our children education ( 1boy & 1 girl )and for our retirement. Please reply Thanks.
Ans: Assessment of Current Mutual Fund Portfolio

Your wife's investment portfolio comprises a diversified range of mutual funds across different categories, including large-cap, mid-cap, small-cap, and sector-specific funds. This diversification reflects a balanced approach towards wealth accumulation and risk management.

Evaluation of Investment Horizon and Retirement Goal

With a retirement target of 1st September 2047, your wife has approximately 23 years to accumulate a sufficient corpus to support her post-retirement lifestyle. It's crucial to assess the adequacy of her current investment strategy in achieving this long-term goal.

Calculation of Corpus Accumulation

To estimate the potential corpus your wife can accumulate in 20 years based on her current investment of Rs. 27,500 per month, we need to consider factors such as the expected rate of return and the impact of inflation.

Assessment of Portfolio Diversification

While your wife's portfolio exhibits diversification across various mutual fund categories, it's essential to review the allocation periodically and ensure alignment with her financial goals and risk tolerance. Diversification helps mitigate concentration risk and enhances the overall stability of the portfolio.

Recommendations for Portfolio Optimization

Goal-based Investing: Segment your wife's investments based on specific financial goals, such as children's education and retirement planning. This approach ensures a tailored investment strategy for each objective, maximizing the probability of success.

Review and Rebalance: Periodically review your wife's portfolio to assess its performance and rebalance if necessary. Rebalancing involves adjusting the asset allocation to maintain the desired risk-return profile, especially during market fluctuations.

Professional Guidance: As a Certified Financial Planner (CFP), I recommend consulting with a qualified financial advisor to fine-tune your wife's investment strategy based on her individual circumstances and goals. A professional advisor can provide personalized recommendations and ongoing monitoring to optimize portfolio performance.

Conclusion

In conclusion, your wife's mutual fund portfolio demonstrates a diversified approach towards wealth creation and long-term financial security. By implementing goal-based investing, regularly reviewing and rebalancing the portfolio, and seeking professional guidance, you can enhance the likelihood of achieving your financial objectives, including children's education and retirement planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |7014 Answers  |Ask -

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

Asked by Anonymous - Jan 02, 2024Hindi
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Hi sir I'm 47 yrs old have 2 kids. for their education and marriage i started investing in mutual fund since 2018.My portfolio is as follows &all are direct fund.1,CANARA ROBECCO SMALLCAP FUND 3000/MONTH 2,EDELWEISS MIDCAP FUND 2500/Month 3MIRAE ASSET LARGE CAP 2500/MONTH 4PGIM FLEXI CAP FUND 2000/MONTH 5PPFAS FLEXI CAP FUND 4000/MONTH 6QUANT ACTIVE FUND 2500/MONTH 7SBI SMALLCAP FUND 3000/MONTH 8SBI MAGNUM MIDCAP FUND 2500/MONTH 9SBI CONTRA FUND 2500/MONTH 10SBI TECHNOLOGY FUND 2000/MONTH 11KOTAK EMERGING EQUITY FUND 3000/MONTH 12HDFC MIDCAP OPPORTUNITY FUND 2500/MONTH SIR my question is that is my portfolio needed any changes? & how much corpus can I accumulate in last 13 years as i will retire at 60. Please reply & thanks in advance. 7 7 SBI SMALL CAP FUND 3000/MONTH
Ans: Your portfolio consists of a diverse mix of mutual funds across various market segments, including small-cap, mid-cap, large-cap, and flexi-cap funds. However, having such a large number of funds may lead to over-diversification and increase the complexity of managing your portfolio.

Consider consolidating your portfolio by focusing on high-quality funds that align with your investment objectives and risk tolerance. Review the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates significantly from its investment objective, you may consider replacing it with a better-performing alternative.

As for the corpus accumulation, it would depend on various factors such as the performance of the funds, the consistency of your contributions, and market conditions. You may use online SIP calculators to estimate the potential corpus based on your ongoing SIP contributions and expected returns.

Given your retirement goal at age 60, ensure that your investment strategy is aligned with your long-term financial objectives and risk profile. Consider consulting with a financial advisor for personalized guidance tailored to your specific circumstances.

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Dating, Relationships Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 04, 2024
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my gf was physical(intercourse) just for once with her ex and her ex cheated on her she just had a 2 month relationship with her ex. and after that around just after a month we came in relationship and its been 2 months we are in a relationship we both go to same college but due to house problem she doesn't attend classes basically we are in a long distance relationship and she still remember him and when she goes to places where she meet her ex she still have flashback She is not fully with me even when i just ask her for a normal kiss she refuses and tells me what so hurry but when i asked her does she want to stay with me she told me yes i want to stay with you and she is ready to marry me as well when time comes she even told me that timely she will have feelings for me And for me all this is new this is my first relationship what should i do?
Ans: Dear Anonymous,
Refusing for a kiss isn't as concerning as her saying she will have feelings for you. Not everyone is ready for intimacy at the same time in all their relationships. As I mentioned earlier, there can be several reasons for this behavior. Please have an open conversation with her. Let her know that her behavior is bothering you and you want some clarity. If she still continues to say the same thing, you have the option to rethink the relationship.

I understand that you are feeling disturbed; it's not easy being on the receiving end. Please feel free to pick yourself first. You deserve someone who loves you completely.

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Asked by Anonymous - Nov 07, 2024Hindi
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I am 28, will be engaged in 3-4 months. It's an arranged marriage. I have met the girl one time, that too she was accompanied with her parents as her family is very conservative. We spoke privately for about half an hour. I know it's still not enough but I was able to have a good conversation. She was nervous at first but I made her feel comfortable and it was then time well spent. She is a sweet girl, even my maa papa like this girl but on the other hand, I am also getting worried as the days are coming near. Sometimes I feel like postponing the event. Is this normal? I also fear of things that happens in nowadays like getting divorce, extra marital affairs, alimony etc. What if she finds a better partner after marriage? Will she leave me? Due to this I cannot have proper sleep recently. Any suggestions to calm my nerves?
Ans: Dear Anonymous,
Many people get cold feet before getting married. It is very normal. All your questions are valid but you need to understand that in every relationship, it all comes down to trust. Whether you marry this woman or someone else, you have to trust her. And no one can really tell what the future holds. So we focus on the present and hope for the best.

I suggest speaking to your would-be partner a little more in the meantime. Getting to know her will put these doubts to rest. I'm sure she is equally concerned about what kind of person you are. Moreover, it is always a good idea to get to know each other better before committing for a lifetime. And, in case, you still think you need to postpone the event, do not shy away from doing so. It is better to take some time and make the right decision than to make a wrong decision in a hurry.

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Hi sir , Iam male 27 years planning to reduce my current weight of 86KG hence planning to hit the gym. Iam concerned of abdominal fat. I left gym 3 yrs back when my weight was average 69kgs. However due to no physical activity weight increased. Now iam planning for reducing weight and also improve my strength with good muscular lean body not bulk. Please guide me sir thanks
Ans: It’s wonderful that you’re enthusiastic about getting back into the gym to work towards weight loss and a lean, toned physique! As a physiotherapist, I suggest scheduling regular check-ins with a physiotherapist to monitor your progress and make any necessary adjustments to your exercise routine. To effectively lose fat, particularly around the abdomen, while building muscle, try a balanced approach that incorporates both cardio and strength training. Start with 20-30 minutes of moderate-intensity cardio—like brisk walking, cycling, or jogging—three to five times per week to increase calorie burn. For strength training, focus on compound exercises such as squats, lunges, push-ups, and rows, with three sessions per week. Begin with lighter weights, increasing gradually as your strength builds, and focus on good form to develop lean muscle without bulk.

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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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