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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on May 22, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by Rajneesh on May 12, 2023Hindi

Money

Hi Nikunj ji, I have the following SIPs running SBI Contra Fund: 10000 per month SBI Small Cap: 15000 per month Quant Small Cap: 25000 per month Quant Mid Cap: 10000 per month Quant Flexi Cap: 10000 per month Canara Robeco Emerging Equities: 2500 per month Mirae Asset Emerging Blue chip: 2500 per month Parag Parikh Flexi Cap: 10000 per month Axis Small Cap: 5000 per month Axis Blue Chip: 5000 per month Axis Mid Cap: 10000 per month Total investment: 105000 per month I already have about 14 lac accumulated in these schemes. My investment horizon is another 7 yrs. Please suggest whether I am going with the right schemes or do i need to execute some correction or addition. Also please suggest that with a conservative idea, how much wealth creation can I expect by this monthly investment of about 1 lac. I have another 10-15k buffer which I can invest on a monthly basis of you suggest any other good scheme.

Ans: Hello Rajneesh. Your portfolio seems to be over-diversified, which may have a negative effect in the long run. . It would be better to reconcise and reshuffle your portfolio. Based on the analysis of your portfolio, I recommend setting your schemes in accordance with your goals. The number of schemes recommended per category is limited to two if there are few categories. Furthermore, with 1.05 Lakh monthly sip, you may achieve a corpus of 1.39 Crores in 10 years with 12% CAGR.

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 20, 2019

Question by Mr - Dec 20, 2019Hindi

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Would like to get advice on the following schemes that I have invested myself in monthly SIPs. I have done some analysis on the annualised return that I have made on these starting from 2015. Also I have given the portfolio allocation % in the attached file in col B. Please if you can advise on which schemes I should get rid of, further invest, continue with no further investment. Name of the Fund Category RankMF Star Rating Axis Long Term Equity Fund - Gr Equity - ELSS 5 Axis MidCap Fund - Gr Equity - Midcap Fund 4 Axis Multicap Fund - Gr Equity - Multi Cap Fund 5 DSP Tax Saver Fund - Gr Equity - ELSS 4 Kotak Bluechip Fund - Gr Equity - Large Cap Fund 4 Aditya Birla Sun Life Frontline Equity Fund - Gr Equity - Large Cap Fund 4 Aditya Birla Sun Life MNC Fund Gr Equity - Thematic Fund - MNC 4 DSP Equity Opportunities Fund - Gr Equity - Large & Midcap Fund 4 Kotak Standard Multicap Fund - Gr Equity - Multi Cap Fund 4 SBI Magnum Global Fund - Gr Equity - Thematic Fund - MNC 4 Tata Midcap Growth Fund - Gr Equity - Midcap Fund 3 HDFC Top 100 Fund - Gr Equity - Large Cap Fund 4 IDFC Multi Cap Fund - Regular Plan- Gr Equity - Multi Cap Fund 4 Nippon India Growth Fund - Gr Equity - Midcap Fund 2 Aditya Birla Sun Life Equity Advantage Fund - Gr Equity - Large & Midcap Fund 4 Aditya Birla Sun Life Equity Fund - Gr Equity - Multi Cap Fund 4 Aditya Birla Sun Life Tax Relief 96 Fund - Gr Equity - ELSS 4 DSP Midcap Fund - Reg Gr Equity - Midcap Fund 5 HDFC Balanced Advantage Fund Gr Hybrid - Balanced Advantage 4 HDFC Equity Fund - Gr Equity - Multi Cap Fund 4 HDFC Midcap Opportunities Fund- Gr Equity - Midcap Fund 3 Invesco India Midcap Fund - Gr Equity - Midcap Fund 3 Kotak Emerging Equity Fund - Gr Equity - Midcap Fund 4 Motilal Oswal Multicap 35 Fund - Gr Equity - Multi Cap Fund 5 Nippon India Vision Fund Gr Equity - Large & Midcap Fund 2 Sundaram Midcap Fund - Gr Equity - Midcap Fund 3 Tata Equity P/E Fund Gr Equity - Value Fund 5 DSP Small Cap Fund - Gr Equity - Small cap Fund 2 Kotak India Growth Fund Series 4 - Gr Close ended Scheme - L&T India Value Fund - Gr Equity - Value Fund 3 L&T Midcap Fund - Gr Equity - Midcap Fund 3 Nippon India Small Cap Fund - Gr Equity - Small cap Fund 2 Nippon India Tax Saver Fund - Gr Equity - ELSS 2 Aditya Birla Sun Life Pure Value Fund - Gr Equity - Value Fund 2 HDFC Small Cap Fund - Gr Equity - Small cap Fund 2 L&T Emerging Businesses Fund - Gr Equity - Small cap Fund 2

Ans: You may continue with 4 & 5-Star rated ones and rest can be relooked.

Equity Value Funds:

Tata Equity PE fund
UTI value opportunity funds

Midcaps: Suitable options considering quality and value for money are:

Motilal Oswal Midcap 30
DSP Midcap
Kotak Emerging Equity Fund
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Kotak Small Cap
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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 27, 2021

Question by Ashish - Oct 27, 2021Hindi

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Hope this mail finds you well! I have SIPs in the following schemes Fund (Growth) Amount Frequency 1. Quant Infrastructure Fund - Direct Plan ₹2,000 Weekly 2. Mirae Asset Emerging Bluechip Fund - Direct Plan ₹2,500 Monthly 3. SBI Banking & Financial Services Fund - Direct Plan ₹1,000 Weekly 4. Tata India Consumer Fund - Direct Plan ₹1,000 Weekly 5. Axis Bluechip Fund - Direct Plan ₹1,000 Weekly 6. Parag Parikh Flexi Cap Fund - Direct Plan ₹1,500 Weekly 7. Franklin India Feeder - Franklin U.S. Opportunities Fund - Direct Plan ₹1,500 Weekly My goal is to create wealth by doing SIPs for a long time. Kindly let me know if these schemes are good for the long run or are there are better alternatives to move or rejig in my MF portfolio. Also, I am thinking for my wife to invest SIPs of 5k monthly each in SBI small-cap or mid-cap fund and quant ELSS fund. Kindly suggest to me whether these schemes are good or should I select something else.

Ans: Please continue. Some portion of investments can be in small-cap, mid-cap and ELSS.

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Head, Rank MF - Answered on Dec 07, 2022

Question by RAKESHKUMAR - Dec 07, 2022Hindi

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My monthly SIP is as follows. Please suggest necessary changes if required. Looking for wealth creation or long term investment up to 15 years. SBI SMALL CAP FUND DIRECT GROWTH- 2000 SBI FOCUSED EQUITY DIRECT GROWTH - 4000 SBI FLEXICAP FUND DIRECT GROWTH - 2000 MIRAE ASSET EMERGING BLUECHIP FUND -2000 HDFC TOP 100 GUND – 2500

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Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Question by Narendra - May 09, 2024Hindi

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Hello Sir, Hope you are doing good. My current age 35, I am planning to invest as SIP 60K monthly for 15 years. My goal is 2 crore after 15 years. Below are the schemes I choose. Kindly review and suggest changes if any Midcap Fund Motilal Oswal Midcap Fund Direct-Growth 4K, Mahindra Manulife Mid Cap Fund Direct - Growth 4K, Smallcap Fund Axis small cap direct growth 4k, Canara robecco small cap 4K, quant small cap 4K, Nippon small cap 4K, Mid and Largecap Mirae Asset Emerging Bluechip fund 4K, Axis Growth Opportunities Fund Direct - Growth 4K, Multicap Mahindra Manulife Multi Cap Fund Direct - Growth 4K, HDFC Multi-Cap Fund Direct - Growth - 4K, Mirae Asset Multicap Fund Direct - Growth 4k, Canara Robeco Multi Cap Fund Direct - Growth 4K, Flexi Parag Parikh Flexi Cap Fund Direct-Growth 4K, Quant Flexi Cap Fund Direct-Growth 4K, Value Tata Equity PE Fund Direct-Growth - 4K

Ans: Reviewing and Optimizing Your Mutual Fund Portfolio
It's great to hear from you! Let's review your chosen mutual fund schemes and ensure they align with your investment goals and risk profile.

Acknowledging Your Investment Goals
Genuine Compliments: Your proactive approach towards investing for your future is truly commendable, especially at the age of 35.

Empathy and Understanding: I understand that achieving a corpus of 2 crore in 15 years is a significant financial goal, and it requires a carefully crafted investment strategy.

Evaluating Selected Schemes
Diversification: Your selection of funds across different categories reflects a desire for diversification, which is crucial for managing risk.

Disadvantages of Direct Funds: While direct funds offer lower expense ratios, managing multiple funds directly can be time-consuming and may require expertise.

Benefits of Regular Funds Investing through MFD with CFP Credential: Investing through a Certified Financial Planner (CFP) who specializes in mutual funds can provide professional guidance and simplify the investment process.

Optimizing Your Portfolio
Consolidation: Consider consolidating your portfolio to reduce overlap and streamline management. Focus on quality funds with strong track records.

Risk Management: Given the aggressive nature of mid-cap and small-cap funds, ensure they align with your risk tolerance and time horizon.

Balanced Allocation: Aim for a balanced allocation across large-cap, mid-cap, and multi-cap funds to mitigate risk and capture growth opportunities across market segments.

Conclusion
By optimizing your mutual fund portfolio with a focus on diversification, risk management, and professional guidance from a Certified Financial Planner, you can increase the likelihood of achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Milind Vadjikar |974 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 05, 2025

Question by Prashant - Jan 28, 2025Hindi

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I require to calculate pension from EPFO. As per EPFO formula "=Average monthly salary of last 60 months x nos of years service/70 ". Max cap on Average salary is Rs 15000. I calculate the average monthly salary as "total of last 60 months salary / 60 "= 20000, which is kept at max. cap and considered as 15000 EPFO. While EPFO office first makes all salaries greater than 15k, to 15k, then calculates the average. Hence I get less than 15000. I did not find any clarification on the EPFO website. Please give me correct guideline as per EPFO

Ans: Hello;

There is pension calculator feature on the EPFO portal.

You may use to ascertain your likely monthly pension.

Best wishes;

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by H - Feb 01, 2025Hindi

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Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative

Ans: Understanding Balanced Advantage Funds

Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

Recent Performance Insights

It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

Factors Influencing Performance

Several elements can affect your fund's performance:

Market Volatility: Changes in the market can impact returns.

Asset Allocation: The mix of equity and debt plays a role.

Interest Rate Changes: Fluctuations can influence debt investments.

Economic Indicators: Factors like inflation and GDP growth are important.

Evaluating Fund Performance

To assess your fund's performance:

Compare with Benchmarks: See how it measures up against standard indices.

Review Historical Returns: Look at past performance over different periods.

Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

Staying the Course

It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

Consulting a Certified Financial Planner

For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

Final Thoughts

Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by Neha - Jan 21, 2025Hindi

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Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?

Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

1. Incorrect or Late Submission of Form 15H
Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
Ensure the form is submitted separately to each bank, post office, or financial institution.
2. Exceeding the Basic Exemption Limit
For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
3. Form 15H Validity Rules
Form 15H is only valid if total taxable income is below the exemption limit.
If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
4. Different TDS Thresholds for Investments
Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
Government securities may also have TDS rules based on the issuing authority.
5. PAN Not Updated with the Bank/Post Office
If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
Ensure all investments have PAN updated to avoid excess TDS.
6. Errors in Tax Deduction System
Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
In such cases, she can file an ITR and claim a refund from the Income Tax Department.
What to Do Now?
Check total taxable income to confirm if she qualifies for Form 15H.
Verify all Form 15H submissions with banks and post offices.
Ensure PAN is updated in all financial institutions.
If TDS is wrongly deducted, file an ITR and claim a refund.
Would you like help with checking if she is eligible for a refund?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Oct 18, 2024Hindi

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Hello, I worked in 2 firms, 1st for 10 months & 2nd for 7 months, I've accumulated nearly 10000 in my pension contribution. Is there a way to withdraw at age of 23?

Ans: Pension Withdrawal at Age 23

Pension funds are meant for long-term savings.
Most schemes do not allow early withdrawal.
Exceptions occur only in severe emergencies.
Check your scheme rules for any special provisions.
Consult with a Certified Financial Planner for advice.
Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

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My sister wants give Rs.49lakhs to purchase a land in 2024-25 to construct house later transaction will be through bank only whether gift tax is to be paid? is so who has to pay

Ans: There is no gift tax in India, but the amount received as a gift is taxed under the Income Tax Act, 1961 as "Income from Other Sources" unless exempted.

Tax Implications on Gift from Sister
Gifts from specified relatives (including a sibling) are fully exempt from tax under Section 56(2)(x) of the Income Tax Act.
Since your sister is a specified relative, the Rs. 49 lakhs gift will be tax-free in your hands.
Your sister will also not have to pay any tax on the gifted amount, as India does not have a separate gift tax.
Important Points to Ensure Tax Compliance
The transaction should be done through a bank transfer to maintain a proper record.
A gift deed is recommended (on stamp paper) to legally document the transaction.
There are no tax deductions for the giver, meaning your sister cannot claim this gift as an expense.
Final Answer
No gift tax is applicable since the amount is received from a sister.
You do not have to pay income tax on the received gift.
Your sister will also not have any tax liability on gifting the amount.
Let me know if you need more clarification!

Best Regards,

K. Ramalingam, MBA, CFP

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 03, 2025Hindi

Money

How much tax I need to pay on LIC Jeevan saral maturity amount.

Ans: LIC payout includes the sum assured and bonus.
Tax rules follow Section 10(10D) of the Income Tax Act.
If the premium is within limits, the payout is tax-free.
Excess premium results in taxable gains added to your income.
Final Insights

Review your policy details carefully.
Seek advice from a Certified Financial Planner.
Consider surrendering poor policies and reinvesting in mutual funds via an MFD.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by - Jan 03, 2025Hindi

Money

My son is a Singapore citizen. He has a flat in his name in Co-op. Hous. Soc. in Navi Mumbai purchased in 2005. He wants to sell it. Will you please suggest ways to repatriate the proceeds with least tax implications?

Ans: Selling property in India as a non-resident involves several steps. It's important to follow these steps to ensure compliance with Indian laws and to minimize tax liabilities. Here's a detailed guide to assist your son:

1. Understanding Capital Gains Tax

Long-Term Capital Gains (LTCG): Since the property was purchased in 2005 and is being sold now, it qualifies as a long-term asset. LTCG is taxed at 20% for non-resident Indians (NRIs).

Indexation Benefit: This benefit adjusts the purchase price for inflation, reducing taxable gains.

2. Tax Deducted at Source (TDS) Obligations

TDS Rate: The buyer must deduct TDS at 20% on LTCG for NRIs. Ensure the buyer complies with this requirement.

3. Repatriation of Sale Proceeds

NRO Account: Deposit the sale proceeds into a Non-Resident Ordinary (NRO) account.

Repatriation Limit: NRIs can repatriate up to USD 1 million per financial year from their NRO account, provided all taxes are paid.

4. Documentation for Repatriation

Tax Clearance: Obtain a certificate from a Chartered Accountant in Form 15CB.

Bank Procedures: Submit Form 15CA to the bank. These forms confirm that taxes have been paid.

5. Tax Exemptions to Reduce Liability

Section 54: Invest LTCG in another residential property in India within specified timelines to claim exemption.

Section 54EC: Invest in specified bonds within six months of sale to avail exemption. The maximum investment limit is Rs 50 lakhs.

6. Currency Exchange Considerations

Exchange Rate: The prevailing exchange rate at the time of repatriation will apply.

Bank Charges: Be aware of potential charges during the transfer process.

7. Professional Consultation

Certified Financial Planner: Consult a Certified Financial Planner to navigate the complexities of taxation and repatriation.

By following these steps, your son can efficiently manage the sale and repatriation process, ensuring compliance and minimizing tax liabilities.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

Relationship

I have been married for more than 3 weeks. And I don't like my husband. I didn't like him before the marriage and it was very clear to my family tht I didn't like him. But my parents forced me to get married to him and it was my fault tht I couldn't prioritise my feelings. I considered what would happen to them if I called off the engagement. And after being married I have been more than depressed. My parents keeps telling what I should do. I don't let him touch me since I don't like him I asked him for some time and on the 2nd day he made a huge issue in my family telling them that I don't let him touch me. I started to resent him after this. Everyone around me keeps on telling Me that he will go abroad in 2 weeks so I should do whatever a wife does. it's been 3 weeks and continuous arguments. I'm so sad. I'm scared of what would happen if I leave this marriage. I can't stay in my own family because they would treat me so bad. I would have to stay alone. Thinking about the uncertain future and consequences am not able to do anything. Am stuck in this miserable situation.

Ans: Dear Anonymous,
For sure, it's difficult to be physically intimate with someone that you do not fancy and he is being silly in making this public. Rather than winning you over, he's making it a public issue to gain sympathy which his highly immature.
Now, I am going to give you an example that you may not like.
Eg: You have to live in Japan for 2 years and you do not like that cuisine. But eventually you realize that 2 years is a long time and then you actually start enjoying the food by looking at what's nice in it; healthy, light, good on the heart etc.

It's the same here. You may have gotten forced into the marriage. But it's just 3 weeks. Give it time...NO, you do not have to engage in any physical intimacy with him right away; but at least try to get to know him...maybe someday you might start to appreciate his good qualities, yeah? See, if this is possible in the short time that you have...it's just about having an open mind. Marriages are easy to break, think hard on this one.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 23, 2025Hindi

Relationship

Hi I am 40 year old lady. I have two daughters 13 and 8year old. My husband working with a good organization and earning not bad. But he doesn't want to give money to me. He never give me budget amount for home. He takes charges for everything. A small amount of Rs.5000 he gives me for my personal expenses and want me to do everything with that even when children want anything that as well. Always irritating, commenting shouting, never support me in any case. I m educated and working before I gave birth to my elder one but I left it due to unavailability of people at home to take care her. Whenever I talk about my career, liking and interest he is least bother. Total negative energy everywhere. Children are also irritating but they need both. I am confused what to do? How ti handle it and how to save my children from this negativity

Ans: Dear Anonymous,
Maybe it's time for you to revive your work life. That will give you a sense of financial independence and also you will be able to spend money on things that you feel like. It will also rekindle your confidence. Find some help at home so that the children are taken care of OR work from home. This will open up a lot of possibilities for you.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 26, 2025Hindi

Relationship

Hello. I am a 52 year old woman who is neither divorced not single. I am independent financially. My husband is 14 yrs my senior, has become a social worker volunteer. He lives separately, visits me from time to time. My son lives outside the state, visits from time to time. Despite being independent, something is holding me back to enjoy my life to the fullest. I feel guilty, sometimes rejected and unloved. I never seem to do things that are in my bucket list. How do I manage accept things and move on? I am an introvert.

Ans: Dear Anonymous,
Go, travel, see the world! You have that luxury with no one back home to stop you...explore the world and you will find yourself...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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.

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