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Ramalingam Kalirajan |6300 Answers |Ask -Follow

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

Question by Neeraj on Jul 06, 2023Hindi

Money

My name is Neeraj Bajpai, I have some MF, invested Rs. 38000.00 per month in some MF from November 2014, I want 3 Cr in 2033, so what i can do. My script are, SBI Contra Fund Bandhan Flexo Cap Axis flexi cap Axis Focussed 25 Axi Mid Cap Aditya Birla sun life flexi cap Canera Robeco emerging Frankling India Flexi ICICI frudential Bharat Consumption ICICI Prudential Blue Chip ICICI Prudential Value Discovery Kotak Emerging Equity Kotak Flexi Cap Mirae Asets Emerging Mirae Assets Helathcare Nippo India Small Cap Nippon India Value Fund Aditya Birla sun life pure value Parag Parikh Flexi Cap Please suggest, what i can do for my goal.

Ans: To achieve your goal of reaching 3 Cr by 2033, continue your SIPs in well-diversified equity funds. Regularly review and rebalance your portfolio to ensure alignment with your goal and market conditions. Consider increasing SIP amounts periodically to boost growth potential. Stay invested for the long term and remain disciplined during market fluctuations. Seek advice from a financial advisor to optimize your portfolio and ensure it remains on track to meet your target.

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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Question by Manoj - Mar 29, 2023Hindi

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Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj

Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

Ramalingam Kalirajan |6300 Answers |Ask -Follow

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

Asked by Anonymous - Jul 10, 2023Hindi

Money

I am 43 years old..I have mf investment as following. SIP: quant mid cap, SBI Magnum mid cap, canara robeco bluechip equity fund...5000 each pm, started from June 2023. LUmp sump: 500000 quant multi asset fund, 250000 quant elss, 250000 kotak small cap, alll investment made in June 2023. The target is to achieve, 1.5 crores (most pessimistic outlook) to 3 crores( optimistic) outlook by 2040-41. Pls advise.

Ans: Strategizing Your Mutual Fund Investments for Long-Term Growth

Your proactive approach to investing in mutual funds demonstrates a commitment to achieving your financial goals. Let's assess your current portfolio and strategize to meet your target of Rs. 1.5 crores to Rs. 3 crores by 2040-41.

Analyzing Your Investment Portfolio

Your SIPs in mid-cap and blue-chip equity funds, along with lump sum investments across multi-asset, ELSS, and small-cap funds, reflect a diversified approach. Diversification is key to managing risk and maximizing returns over the long term.

Understanding Risk and Return Expectations

Given your investment horizon of approximately 16-17 years, you have the advantage of time to ride out market fluctuations and benefit from compounding returns. However, it's essential to acknowledge the inherent risks associated with mid-cap and small-cap investments, which tend to be more volatile than large-cap funds.

Assessing Growth Potential

Mid-cap and small-cap funds offer the potential for higher returns compared to large-cap funds over the long term. However, they also come with increased volatility and liquidity risks. Blue-chip equity funds provide stability and consistent returns, making them suitable for investors with a moderate risk tolerance.

Aligning Investments with Financial Goals

To achieve your target corpus, it's crucial to periodically review and realign your investment strategy. As you approach your target timeline, consider gradually shifting your portfolio towards more conservative options to protect your capital from market downturns.

Monitoring and Rebalancing

Regular monitoring of your investments is essential to ensure they remain aligned with your financial goals and risk tolerance. Rebalancing your portfolio periodically can help maintain the desired asset allocation and minimize the impact of market volatility.

Considering Tax Efficiency

ELSS funds offer the dual benefit of tax savings under Section 80C of the Income Tax Act and the potential for long-term capital appreciation. By maximizing your investments in tax-efficient avenues, you can optimize your returns while minimizing tax liabilities.

Seeking Professional Advice

As a Certified Financial Planner, I recommend consulting with a qualified professional to tailor your investment strategy to your specific needs and circumstances. A personalized financial plan can provide clarity and direction, helping you navigate market uncertainties and achieve your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Kirtan A Shah |77 Answers |Ask -Follow

MF Expert, Financial Planner - Answered on Jul 13, 2023

Question by Neeraj - Jul 13, 2023Hindi

Money

Hello Kirtan Sir, My name is Neeraj Bajpai, I have some MF, invested Rs. 38000.00 per month in some MF from November 2014, I want 3 Cr in 2033, so what i can do. My script are, SBI Contra Fund Bandhan Flexi Cap Axis flexi cap Axis Focussed 25 Axis Mid Cap Aditya Birla sun life flexi cap Canera Robeco emerging Frankling India Flexi ICICI frudential Bharat Consumption ICICI Prudential Blue Chip ICICI Prudential Value Discovery Kotak Emerging Equity Kotak Flexi Cap Mirae Asets Emerging Mirae Assets Helathcare (one time Invested) Nippo India Small Cap Nippon India Value Fund Aditya Birla sun life pure value Parag Parikh Flexi Cap Please suggest, what i can do for my goal. Thanks and Regards Neeraj Bajpai.

Ans: - Your SIP amount is adequate for 3 cr. till 2033 assuming 12% CARG return
- You have too many funds, exit the below funds,
Bandhan Flexicap
Axis Flexicap
Axis Focused
ABSL Flexicap
Franklin Flexicap
ICICI Consumption
Kotak Flexicap
Nippon Value
ABSL Pure Value

Ramalingam Kalirajan |6300 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by Neeraj - Apr 09, 2024Hindi

Money

My self Neeraj Bajpai and invested Rs. 47000.00 per month in mutual fund through SIP in Axis m/f, SBI Contra fund, Nippon fund, Parag Parikh, Motilal Oswal, Tata etc. My Goal is 2 CR next 9.5 years, its is sufficient. Already invesedt in M/F in Rs. 20 Lakhs for next 9.5 years. Please advise me.

Ans: Hello Neeraj, it's great to see your commitment to investing in mutual funds through SIPs for your financial goals. Let's delve into your situation and explore whether your current investment strategy aligns with your goal of accumulating 2 crores in the next 9.5 years.

Here are some key points to consider:

Current Investment: Your monthly SIP of Rs. 47,000 spread across various mutual fund schemes indicates a disciplined approach towards wealth creation.
Goal Analysis: Your target of accumulating 2 crores in the next 9.5 years is ambitious yet achievable with proper planning and consistent investing.
Assessment of Investment Horizon: With a relatively short time horizon of 9.5 years, it's essential to strike a balance between growth-oriented and stable investment options.
Diversification: Your investment portfolio appears diversified across multiple mutual fund schemes, which is a prudent approach to mitigate risks and capture potential returns from various market segments.
Risk Management: Given the volatility inherent in equity markets, it's crucial to periodically assess and rebalance your portfolio to ensure it remains in line with your risk tolerance and financial goals.
Regular Monitoring: Regularly monitoring the performance of your mutual fund investments and making necessary adjustments based on changing market conditions and your evolving financial situation is imperative for long-term success.
Professional Guidance: While you're already on the right track with your investments, seeking advice from a Certified Financial Planner can provide you with personalized insights and strategies to optimize your portfolio for achieving your financial goals.
In summary, while your current investment approach demonstrates prudence and commitment, it's essential to continue monitoring your portfolio's performance and make adjustments as needed to stay on track towards your goal of accumulating 2 crores in the next 9.5 years. With proper planning, discipline, and professional guidance, you can work towards achieving financial security and prosperity for yourself and your loved ones.

Keep up the good work, Neeraj, and stay focused on your financial goals. Your dedication to investing will undoubtedly yield fruitful results in the years to come.

Ramalingam Kalirajan |6300 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

Question by Sheikh - Jul 20, 2024Hindi

Money

I am having 46lakh mutual fund and monthly investment is 22k, I wanted 2cr in next 3year. What else I can do to achive that also I have share of 13lakh. And running two home loan one is 25lakh and another is 48lakh

Ans: Current Financial Position
Mutual Fund Investments: Rs 46 lakh
Monthly Investment: Rs 22,000
Share Investments: Rs 13 lakh
Home Loans: Rs 25 lakh and Rs 48 lakh
You aim to accumulate Rs 2 crore in 3 years.

Let's analyze and suggest a strategy to achieve this goal.

Assessing the Goal
Aggressive Goal
Your goal is ambitious. Achieving Rs 2 crore in 3 years will require a high growth rate.

Current Investments
You are investing in mutual funds and shares. This is good but may not be sufficient for your goal.

Investment Strategy
Increase Monthly Investments
Consider increasing your monthly investment. Even small increases can significantly impact over time.

Focus on Equity Funds
Actively managed equity funds can offer high returns. Fund managers can outperform the market, unlike index funds.

Balanced Funds
Balanced funds provide a mix of equity and debt. This can offer stability and growth.

Avoid Index Funds
Index funds are passively managed. They cannot outperform the market. Actively managed funds, with professional oversight, aim to exceed market returns.

Avoid Direct Funds
Direct funds might have lower fees. But investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential can provide professional guidance. This can lead to better fund selection and higher returns.

Systematic Investment Plan (SIP)
Set up SIPs for regular investments. SIPs help in averaging out market volatility. They ensure disciplined and consistent investing.

Debt Management
Home Loans
You have two home loans. Consider refinancing to reduce interest rates. Pay extra towards higher interest loan if possible.

Emergency Fund
Maintain an emergency fund. This should cover at least 6 months of expenses. It's essential for financial security and to avoid liquidating investments prematurely.

Diversification and Regular Review
Diversify Portfolio
Diversify your portfolio across different asset classes. This reduces risk and increases potential returns.

Regular Review
Review your portfolio regularly. Make adjustments based on market conditions and your goals.

Seek Professional Guidance
Consult a Certified Financial Planner (CFP) for personalized advice. They can help design a strategy tailored to your financial goals and risk tolerance.

Final Insights
Achieving Rs 2 crore in 3 years is challenging but possible.

Increase your monthly investments and focus on equity and balanced funds. Avoid index and direct funds for better returns.

Maintain an emergency fund and consider SIPs. Manage your home loans wisely. Seek professional guidance for a well-rounded investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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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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