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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Mar 29, 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
ABDUL Question by ABDUL on Mar 28, 2023Hindi
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Hi Nikunj, I'm a moderate risk take, have started my mutual funds journey with below funds. My goal is to create corpus of 1cr in 15years. How is my position? Is it diversified? Hdfc index large cap- 8k Axis small cap - 6k Mirae Asset Elss - 5k Parag parek Flexi cap - 6k

Ans: Hello Abdul. In order to achieve a goal of 1 cr in 15 years, I would recommend to increase your sip amount from 25k to 35k monthly. Your current portfolio is well diversified & chosen. You may add Large & mid cap category for your future sips as this category seems missing with your requirement.
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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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 06, 2024

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Hello Sir,My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: It's great that you're investing your monthly surplus in SIPs to build your wealth.

You have a well-diversified portfolio and the funds in your portfolio are performing well in the current market scenario. In the finance planning of any portfolio, we consider many factors, including client age, risk profile, current asset allocation, etc.

All mentioned funds are performing good and have good potential in long-term. However, UTI MNC Fund - Sectoral funds focus on a specific sector or industry and it is difficult to predict which sector will perform and how long. Hence, we recommend to go for diversified funds to avoid the concentration risk
.
If you continue the monthly investment of Rs 18,000 for the next 15 years the accumulated corpus will be 89.92 lakhs approx. at the average growth rate of 12% for 15 years.
Note - the amount may get differ at that time as the actual return can be vary.

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hello Ashish Sir,My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: Hello Girish,

Your portfolio appears to be well-diversified across various mutual fund categories, including large-cap, flexi-cap, and MNC funds. Investing with a long-term horizon of 10-15 years is a wise strategy, as it allows your investments to potentially grow and ride out market fluctuations.

While your portfolio seems diversified, it's always prudent to periodically review your investments to ensure they align with your financial goals and risk tolerance. Here are a few points to consider:

Performance Review: Keep track of the performance of each fund in your portfolio. Assess whether they are meeting your expectations and compare them with benchmark indices and peer group performance.
Portfolio Rebalancing: Depending on market conditions and changes in your financial situation, consider rebalancing your portfolio periodically. This involves adjusting your asset allocation to maintain your desired risk-return profile.
Adding Mid and Small Cap Exposure: Since your portfolio currently lacks exposure to mid and small-cap funds, you may consider adding them to enhance diversification and potentially boost returns, especially given your long investment horizon.
Consultation with a Financial Advisor: Consider consulting with a certified financial planner or advisor who can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon.
Remember, investing is a journey, and it's essential to stay disciplined, patient, and informed. With a well-thought-out investment strategy and periodic review, you can work towards achieving your financial objectives over the long term.

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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I am 33yrs old and have been investing 20k SIP every month in the following funds for the last 10 months (I was investing 10k for 6 months before that): 1. Canara Robeco Bluechip Equity Fund Direct-Growth (3k) 2. PGIM India Midcap Opportunities Fund Direct-Growth (2k) 3. LIC Gold Direct-Growth (3k) 4. Parag Parikh Flexi Cap Fund Direct-Growth (3k) 5. HDFC Index S&P BSE Sensex Direct Plan-Growth (3k) 6. Mirae asset emerging bluechip fund Direct-Growth (2.5k) 7. Quant Tax Plan Direct-Growth (3.5k) In addition to this, I am putting 35k per month as VPF and 1lakh every year in NPS. I am a moderate risk taker. 1. Is this sufficient to build a 3cr corpus in the next 20 years? 2. Should I add a small cap MF to my portfolio and if yes, which one? 3. Is my portfolio over-diversified?
Ans: Building a 3 crore corpus in the next 20 years is achievable with disciplined investing and moderate risk tolerance. However, it's crucial to regularly review and adjust your investment strategy based on market conditions and life circumstances.
Considering your moderate risk appetite, adding a small cap mutual fund to your portfolio could diversify your investments further. Look for a well-managed small cap fund with a consistent track record and a focus on quality stocks.
Your portfolio appears to be adequately diversified across different asset classes and fund types. However, periodically review your portfolio to ensure alignment with your financial goals, risk tolerance, and investment time horizon. Consult with a Certified Financial Planner to fine-tune your investment strategy based on your individual circumstances.

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

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Hi Ulhas ... I am investing in below mutual fund as SIP every month for long term like 10 years to built a significant corpus. Kindly let me know if these funds are good ? Any good suggestion on diversification and how much corpus i can expect in 10 years. Apart from that i have investment in PPF , Sukanya samridhi yojana, NPS etc. 1. Parag parikh flexi cap fund - 10000 rs. 2. UTI Nifty 50 fund - 3000 rs. 3. quant mid cap fund - 4000 rs. 4. quant small cap fund - 2500 rs. 5. Mirae asset large and mid cap fund - 4000 rs.
Ans: Evaluating Your Current SIP Investments
Your current investment strategy includes a mix of large-cap, mid-cap, and small-cap funds. This diversified approach is commendable.

Parag Parikh Flexi Cap Fund: Flexi cap funds are versatile. They invest across market capitalisations, offering good potential for growth.

UTI Nifty 50 Fund: This is an index fund. It tracks the Nifty 50 index, providing stable returns. However, it lacks flexibility compared to actively managed funds.

Quant Mid Cap Fund: Mid-cap funds offer higher growth potential. They are suitable for long-term wealth creation.

Quant Small Cap Fund: Small-cap funds can deliver significant returns. They are riskier but beneficial for long-term goals.

Mirae Asset Large and Mid Cap Fund: This fund balances stability and growth. It invests in both large and mid-cap stocks.

Suggestions for Diversification
Your portfolio already has a good mix. Here are some suggestions for further diversification:

Balanced Allocation: Ensure a balanced allocation across different market caps. Avoid over-concentration in any single category.

Sectoral Funds: Consider adding sectoral funds. They invest in specific sectors, offering diversification across industries.

Aggressive Hybrid Funds: These funds provide a mix of equity and debt. They balance risk and reward.

Benefits of Actively Managed Funds
Flexibility: Actively managed funds adapt to market changes. They can outperform passive index funds.

Strategic Management: Fund managers make informed decisions. They aim to maximise returns while managing risks.

Disadvantages of Index Funds:

No Flexibility: Index funds cannot adapt to market conditions. They simply replicate the index.

Limited Potential: They often provide average returns. They do not outperform the market.

Direct Funds vs. Regular Funds
Disadvantages of Direct Funds:

Lack of Guidance: Direct funds do not offer professional advice. You might miss strategic insights.
Benefits of Regular Funds:

Professional Advice: Investing through a Certified Financial Planner (CFP) ensures expert guidance.

Comprehensive Service: Regular funds provide portfolio management and financial planning.

Estimating Your Corpus in 10 Years
Based on your current SIPs, let's estimate your potential corpus in 10 years:

Parag Parikh Flexi Cap Fund: Rs. 10,000 per month

UTI Nifty 50 Fund: Rs. 3,000 per month

Quant Mid Cap Fund: Rs. 4,000 per month

Quant Small Cap Fund: Rs. 2,500 per month

Mirae Asset Large and Mid Cap Fund: Rs. 4,000 per month

Assuming an average annual return of 12-15%, your investments could grow significantly. However, this is an estimate. Actual returns may vary based on market conditions.

Additional Investment Options
Balanced Advantage Funds: These funds dynamically adjust their allocation between equity and debt. They manage risk effectively.

International Funds: Consider international funds for global exposure. They diversify your portfolio beyond domestic markets.

Final Insights
Your current SIP strategy is well-diversified and aligned with long-term wealth creation. Consider adding sectoral and balanced advantage funds for further diversification. Actively managed funds provide flexibility and strategic management. Avoid over-reliance on index funds. Review your portfolio regularly and seek professional guidance for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 26, 2024

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Hi Experts, I seek your guidance on my mutual fund portfolio. Below are the details: Total Portfolio Details: - Total Invested Amount: ?15,76,159 - Current Value: ?19,35,234 - Total Returns: ?3,59,075 (+22.78%) - XIRR: 20.75% Monthly SIP Contribution: ?1,18,000 Breakdown of monthly SIP contributions across funds: 1. Parag Parikh Flexi Cap Fund Direct Growth – ?30,000 2. SBI Large & Midcap Fund Direct Plan Growth – ?15,000 3. SBI Magnum Mid Cap Fund Direct Plan Growth – ?20,000 4. Nippon India Large Cap Fund Direct Growth – ?30,000 5. Nippon India Small Cap Fund Direct Growth – ?7,500 6. ICICI Prudential Technology Direct Plan Growth – ?10,000 7. Quant Small Cap Fund Direct Plan Growth – ?7,500 8. HSBC Small Cap Fund Direct Growth – ?5,000 9. Edelweiss US Technology Equity Fund of Funds Direct Growth – ?5,000 Can you suggest if I am on track to create 5 CR corpus in 10 years Thank you!
Ans: Your portfolio and SIP contributions demonstrate disciplined financial planning. Let’s review your current status and provide actionable recommendations to stay on track.

1. Review of Your Current Portfolio Performance
Total invested amount: Rs 15,76,159.
Current portfolio value: Rs 19,35,234.
Total returns: Rs 3,59,075 (+22.78%).
XIRR of 20.75% reflects impressive performance so far.
Your portfolio is generating excellent returns. It aligns with long-term wealth creation goals.

2. Assessing Your Goal to Achieve Rs 5 Crore
You have a 10-year horizon to create Rs 5 crore.
A disciplined Rs 1,18,000 SIP contribution is a solid start.
Assuming consistent performance, you are on track to achieve your goal.
However, fund selection, market performance, and taxation can affect final corpus.

3. Diversification and Allocation Insights
Your portfolio includes diverse categories, such as large caps, mid caps, small caps, technology funds, and international exposure.

Strengths in Your Portfolio
Good mix of growth-oriented funds like flexi cap and small-cap categories.
Exposure to international markets provides diversification benefits.
High SIP allocation ensures consistent investment.
Areas of Concern
High allocation to small-cap funds may increase portfolio volatility.
Technology funds carry sector-specific risks, especially during downturns.
Overlap between funds can lead to redundancy and reduced efficiency.
4. Disadvantages of Direct Funds
Why Relying Solely on Direct Funds May Not Be Ideal
Direct funds require active tracking and market knowledge.
Lack of expert guidance may lead to suboptimal fund choices.
Regular funds through a Certified Financial Planner provide tailored advice.
Switching to regular plans ensures professional monitoring and better goal alignment.

5. Impact of Taxation on Your Portfolio
Equity Funds
Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Debt-Oriented Funds
Gains are taxed as per your income slab.
Tax implications reduce the effective corpus if not planned wisely.

6. Recommendations to Strengthen Your Portfolio
Reduce Concentration in Small-Cap Funds
Small caps are high-risk and better suited for moderate allocation.
Shift a portion to balanced or large-cap funds for stability.
Limit Sector-Specific Exposure
Technology funds are subject to cyclical risks.
Rebalance to include broader thematic or diversified funds.
Consolidate Overlapping Funds
Too many funds increase complexity and overlap.
Streamline by reducing redundant schemes.
Focus on Active Fund Management
Actively managed funds tend to outperform in dynamic markets.
Certified Financial Planners can help optimise fund selection.
7. Strategy to Achieve Rs 5 Crore
Step 1: Increase SIP Gradually
Increase SIP contribution by 5–10% annually.
Align increases with salary hikes or bonuses.
Step 2: Stick to Asset Allocation
Maintain a balance between equity and debt based on risk tolerance.
Review allocation every 12–18 months.
Step 3: Reinvest for Compounding
Reinvest gains to maximise compounding benefits.
Avoid frequent withdrawals unless necessary.
Step 4: Regular Portfolio Review
Assess performance semi-annually or annually.
Adjust based on market conditions and goal progress.
8. Emergency Fund and Insurance Coverage
Maintain 6–12 months’ expenses as an emergency fund.
Ensure adequate health and life insurance coverage.
Avoid using mutual fund corpus for emergencies.
9. Long-Term Focus for Financial Independence
Stick to your SIP plan despite market fluctuations.
Focus on disciplined investing and goal alignment.
Seek professional advice to handle market uncertainties.
Final Insights
Your portfolio is well-structured and performing well. However, some adjustments can optimise returns and reduce risks. Focus on diversification, reduce overlapping funds, and seek guidance from a Certified Financial Planner. With discipline and regular reviews, you are well on track to achieve Rs 5 crore in 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |7354 Answers  |Ask -

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Mettlargical and materials engineering in Trichy or ECE in IIIT kanchipuram which is best.
Ans: Sharan, NIT Trichy’s Metallurgical and Materials Engineering program is highly ranked (#9 NIRF 2024), offers a strong curriculum, and consistently achieves 79–82% placement rates with a median salary of ?15.76 lakh and top recruiters from core, analytics, and tech sectors. The overall BTech placement rate at NIT Trichy is 88.9%, and the Metallurgy branch benefits from the institute’s national reputation and interdisciplinary opportunities. IIITDM Kancheepuram’s ECE program, while offering modern infrastructure and a curriculum blending electronics with IT and design, has seen fluctuating placement rates: 65% in 2023, 62.5% in 2024, and only 40.1% as of January 2025, with an average package of ?9.37 lakh and limited core ECE offers. While IIITDM Kancheepuram provides exposure to both electronics and software roles, its placement record is less consistent and the number of high-value offers and recruiter diversity is lower compared to NIT Trichy. Both colleges are government-funded and have good faculty, but NIT Trichy’s legacy, alumni network, and placement consistency in both core and non-core sectors provide a significant advantage.

Recommendation: Prefer Metallurgical and Materials Engineering at NIT Trichy for its superior placement consistency, national ranking, and broader career prospects; choose IIITDM Kancheepuram ECE only if you have a strong preference for electronics and computer integration, but be mindful of its variable placement outcomes. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7354 Answers  |Ask -

Career Counsellor - Answered on Jun 28, 2025

Asked by Anonymous - Jun 28, 2025Hindi
Nayagam P

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Career Counsellor - Answered on Jun 28, 2025

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CSE core in VIT AP under category 2 against ECE in JNTU Kakinada which is preferable
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Recommendation: Prefer VIT AP CSE (Category 2) for superior placement rates, higher average salaries, and strong industry connections, especially if your son aims for a tech/software career; choose JNTU Kakinada ECE only if he is specifically interested in electronics and core engineering roles. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7354 Answers  |Ask -

Career Counsellor - Answered on Jun 28, 2025

Career
My daughter is getting CSE in BIT Jaipur and Central University Jammu and SRM Kattankulathur. Which one should be considered?
Ans: SRM Kattankulathur’s CSE program stands out for its scale, infrastructure, and placement record, with over 8,900 students placed in 2023–24, 1,300+ recruiters, and an average package of ?7.92 LPA, supported by a dedicated placement cell and strong industry partnerships. BIT Jaipur, an extension of BIT Mesra, offers a reputable CSE program with nearly 95–100% placement for CSE students and an average package between ?6–12 LPA, though students may need to travel to the main campus for some top opportunities; major recruiters include Microsoft, Amazon, Infosys, and Wipro. Central University Jammu’s CSE program has a much higher closing rank, indicating lower demand, and offers fewer placement and industry connections compared to SRM and BIT Jaipur. Both SRM and BIT Jaipur provide strong academic environments, but SRM’s placement scale, recruiter diversity, and industry exposure are unmatched among the three.

Recommendation: Prefer SRM Kattankulathur CSE for its superior placement consistency, extensive recruiter network, and strong campus resources; consider BIT Jaipur only if you value its smaller cohort and BIT Mesra legacy, while Central University Jammu is less competitive for CSE placements. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 28, 2025

Asked by Anonymous - Jun 28, 2025Hindi
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Sir, my son is eligible for IIT Mumbai/chennai/Delhi EEE , IIT hyd CSE and IISC mathematics&computing. Could you please advise which is a better choice?
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Recommendation: Prefer IIT Hyderabad CSE for top-tier tech placements and industry focus; choose IIT Bombay/Chennai/Delhi EEE for core engineering and interdisciplinary flexibility; select IISc Mathematics & Computing only if your son is passionate about research or analytics and plans for higher studies. All the BEST for the Admission & a Prosperous Future!

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