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Ramalingam Kalirajan |10881 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 Rahul on Jan 02, 2024Hindi

Sir i have Parag Parikh Flexicap, Sbi Mid cap & Axis Small cap fund each with 5k total 15k per month sip for 25 year's and 10 percent step up every year I want 10 crores for my retirement, is this portfolio Good..? I am 33 year's old ????

Ans: Your portfolio seems well-diversified across different market segments, which is a good approach for long-term wealth accumulation. The Parag Parikh Flexicap Fund offers exposure to a mix of large, mid, and small-cap stocks, providing flexibility and stability. SBI Midcap Fund and Axis Small Cap Fund focus on mid and small-cap companies, respectively, aiming for higher growth potential. With a 25-year investment horizon and a 10% annual step-up, your disciplined approach can potentially help you achieve your ambitious retirement goal of 10 crores. However, ensure to regularly review and adjust your investments based on performance and changing market conditions.

Asked on - Apr 08, 2024 | Answered on Apr 08, 2024

Thank you sir, do I need more funds to add in my portfolio if yes then which fund I should add to my portfolio..?

Ans: Adding more funds to your portfolio can further diversify your investments and potentially enhance returns. Consider adding the following funds to complement your existing portfolio:

Large-cap Fund: Since your current portfolio lacks exposure to large-cap stocks, consider adding a reputable large-cap fund to balance your allocation. Look for funds with a consistent track record of delivering stable returns over the long term.

International Fund: Adding an international fund can provide exposure to global markets and further diversify your portfolio geographically. Look for funds that invest in leading international companies across various sectors and regions.

Debt Fund: Including a debt fund can add stability to your portfolio and mitigate overall risk, especially during market downturns. Opt for high-quality debt funds with a focus on safety and liquidity.

Before adding any new funds, ensure they align with your investment objectives, risk tolerance, and overall asset allocation strategy. Additionally, regularly review your portfolio's performance and make adjustments as needed to stay on track towards your retirement goal.

Asked on - Apr 09, 2024 | Answered on Apr 09, 2024

Thank you sir

Ans: Welcome

Asked on - Apr 11, 2024 | Answered on Apr 12, 2024

Can you suggest me some funds to invest sir..?

Ans: I'd be happy to help guide you through the process of selecting investment funds, but I must emphasize the importance of considering your individual financial situation, goals, risk tolerance, and investment horizon before making any investment decisions. Without knowing your complete financial picture, including factors like your income, expenses, existing investments, and long-term goals, it's challenging to provide personalized recommendations that suit your needs.

Investing is not one-size-fits-all, and what works well for one person may not be suitable for another. Factors such as your age, financial goals (e.g., retirement, buying a house, education funding), risk tolerance, and investment timeframe all play a crucial role in determining the most appropriate investment strategy.

It's always wise to consult with a financial advisor who can assess your individual circumstances and provide personalized recommendations tailored to your specific needs and goals. A financial advisor can help you create a well-diversified investment portfolio that aligns with your risk tolerance and long-term objectives while taking into account various investment options such as mutual funds, exchange-traded funds (ETFs), stocks, bonds, and other asset classes.

By working with a financial advisor and taking the time to understand your investment options thoroughly, you can make informed decisions that are best suited to your financial situation and objectives, ultimately helping you to achieve your long-term financial goals.
Ramalingam, MBA, CFP
Chief Financial Planner at Holisticinvestment.in

Asked on - Apr 13, 2024 | Answered on Apr 15, 2024

Thank you so much sir

Ans: Welcome Rahul :)

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