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Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 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
ASHOK Question by ASHOK on Apr 19, 2024Hindi
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Sir, I am planning to invest in SIP Rs.10000/- per month for long term. Say 25 to 30 years. Kindly advise.

Ans: Long-Term SIP Investment Strategy
Investing ?10,000 per month in a Systematic Investment Plan (SIP) for 25 to 30 years is an excellent strategy to build substantial wealth over the long term. Given the extended horizon, you can benefit from the power of compounding and ride out market volatility. Let’s explore a comprehensive investment plan to achieve your financial goals.

Understanding Your Investment Goals
Before diving into specific fund recommendations, it's important to define your investment goals. Are you saving for retirement, children's education, buying a house, or other long-term financial objectives? Clear goals will help tailor your investment strategy.

Diversified Portfolio for Long-Term Investment
A diversified portfolio is key to balancing risk and return. Here’s a suggested allocation for a long-term SIP investment:

Equity Mutual Funds
Equity Mutual Funds are ideal for long-term growth. They offer higher returns compared to other asset classes over an extended period. Given your long horizon, you can afford to take on more equity exposure.

Large Cap Funds: 30-40%

These funds invest in well-established companies with stable returns. They are less volatile and provide steady growth.
Mid Cap Funds: 20-30%

Mid cap funds invest in medium-sized companies with high growth potential. They offer a balance between risk and return.
Small Cap Funds: 10-20%

Small cap funds invest in smaller companies with significant growth potential but higher volatility. These funds can provide substantial returns over the long term.
Hybrid or Balanced Funds
Hybrid or Balanced Funds invest in a mix of equity and debt instruments, providing a balanced approach to risk and return.

Allocation: 10-20%
These funds offer stability through debt investments while participating in equity market growth.
Debt Funds
Debt Funds provide stability and are less volatile compared to equity funds. Including a small portion of debt funds can help manage risk.

Allocation: 10-20%
Invest in high-quality short-term and medium-term debt funds for better liquidity and safety.
Systematic Investment Plans (SIPs)
SIPs help in averaging the purchase cost over time and instill disciplined investing. Regular investments reduce the impact of market volatility and enable you to benefit from rupee cost averaging.

Suggested Funds
When selecting specific mutual funds, consider the following criteria:

Consistent Performance: Choose funds with a strong performance track record across different market cycles.

Experienced Fund Managers: Opt for funds managed by experienced and reputable fund managers.

Low Expense Ratios: Lower costs mean more of your money is invested, leading to better returns.

Fund House Reputation: Select funds from reputable and stable fund houses.

Regular Monitoring and Rebalancing
Regularly monitor your portfolio to ensure it aligns with your investment goals. Rebalance your portfolio periodically to maintain the desired asset allocation and manage risk.

Consulting a Certified Financial Planner
Engage with a Certified Financial Planner for personalized advice. They can provide a tailored investment strategy based on your financial situation, goals, and risk tolerance.

Conclusion
Investing ?10,000 per month in SIPs for 25 to 30 years is a robust strategy for building wealth. A diversified portfolio with a mix of large, mid, and small cap funds, along with hybrid and debt funds, can help you achieve your financial goals. Regular monitoring and consultation with a Certified Financial Planner will ensure your investments stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |458 Answers  |Ask -

Financial Planner - Answered on Feb 08, 2023

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Sir, best SIP to invest in monthly basis having bugest of INR 10 TO 15K.
Ans: I have no idea about your age, future financial goals, your risk profile and your existing investments. So, while giving one suggested solution to you, I’m assuming that you’re young (less than 40 years of age), are open to equity investing, have a long term horizon of at least 7 years or more and would have the nerves to not get unduly perturbed if markets go temporarily down.

Very first point to note is that when you write that you’re investing for 20 years, please do imbibe it into your thinking too that you’re in it for a very long term. Typically, investors change their investing horizon as per the market conditions – if markets remain good, they’re long term players, if markets turn down, they start exiting in panic and become short term players. Please remember that markets will always give great returns only if you ‘spend time in the markets, rather than try timing the market’.

Since you’re just 37 years old, you have a huge age advantage (those younger have even more advantage!) – use it to your benefit. I have no idea about your other investments, your future financial goals and your risk profile (implying how much volatility are you comfortable with in the markets).

So, I’m just giving you a high-equity portfolio which is a long term portfolio but needs to be reviewed and maybe rebalanced every year. I’m also assuming that you have no other funds or equity.
The portfolio that I would suggest is:-
1. Large Cap - 20% of SIP amount - HDFC Index Fund
2. Flexicap – 20% - Parag Parikh Flexicap Fund
3. Midcap – 20% - Kotak Emerging Equity Fund
4. Aggressive Hybrid – 20% - Canara Robeco Equity Hybrid Fund
5. Small Cap – 20% - SBI Small Cap Fund

In the above portfolio, the last, Small Cap category, will be very volatile and you will need to get used to it. If you’re not up to its gyrations, stick to first four with 25% allocation each.

..Read more

Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2024

Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

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

Asked by Anonymous - Apr 28, 2024Hindi
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Sir i want to invest in sip my monthly saving will be between 1000 to 2500 Rs please advice.
Ans: It's great that you're looking to start investing through SIPs with your monthly savings! Here's some advice tailored to your budget:

Start Small: Even with a modest monthly savings of Rs. 1000 to 2500, you can begin investing through SIPs. The key is to start early and remain consistent with your contributions.
Choose Low-Cost Funds: Look for mutual funds with low expense ratios, as they minimize the impact of fees on your returns. Opt for direct plans of mutual funds to save on distribution expenses.
Focus on Equity Funds: Given your long-term investment horizon, consider investing in equity mutual funds. These funds have the potential to deliver higher returns over the long run, although they come with higher volatility.
Diversify Your Portfolio: Select a mix of different types of equity funds, such as large-cap, mid-cap, and multi-cap funds, to spread your risk across various market segments. Diversification can help mitigate the impact of market fluctuations.
Stay Invested for the Long Term: SIPs work best when you stay invested for the long term, allowing your investments to benefit from the power of compounding. Aim to invest consistently over several years to maximize your returns.
Review and Adjust: Periodically review your SIP investments to ensure they align with your financial goals and risk tolerance. You may need to adjust your investment strategy based on changes in your financial situation or market conditions.
Stay Informed: Take the time to educate yourself about mutual funds, investment strategies, and market trends. This knowledge will empower you to make informed decisions and stay on track with your financial goals.
Consult a Financial Advisor: If you're unsure about which funds to invest in or how to construct your investment portfolio, consider consulting a financial advisor. They can provide personalized advice based on your financial situation and goals.
By following these tips and starting your SIP journey with discipline and patience, you can gradually build wealth over time and work towards achieving your financial objectives. Remember, every rupee invested today can make a difference in securing your financial future tomorrow.

..Read more

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Milind

Milind Vadjikar  |161 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 19, 2024

Asked by Anonymous - Sep 17, 2024Hindi
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Dear Sir, I have another question: I have been investing in the Bajaj Allianz Life Goal Assurance Plan for the past five years, which is a combination of insurance and investment. The total premium payment duration is 10 years, with a SIP of ?10,000 per month, followed by a lock-in period of an additional 5 years So far, my monthly contributions of ?10,000 have grown to ?9.40 lakhs, with an approximate CAGR of 16%, although the insurance coverage remains at ?12 lakhs. Initially, I did not have much knowledge but continued investing due to the plan’s market-linked structure. For the first five years, my funds were allocated to Pure Stock II and Equity Growth funds basically large-cap. Recently, mid-cap and small-cap index funds were also added to their portfolio. Now that I’ve completed 5 years of investing in large-cap components, I am considering allocating the remaining 5 years to mid-cap and small-cap funds, without increasing the SIP. This would be done through a fund switch from large-cap to mid-cap and small-cap or by dividing the allocation equally—25% each across pure-stock, equity growth, mid-cap, and small-cap funds. Would you recommend this strategy while allowing the large-cap corpurs from the first 5 years to grow at their own pace and remaining 5 years switched into mid-cap/small-cap. Since the policy will mature in 2034, this gives me ample time for the investment to grow, allowing the corpus to build significantly over the remaining years
Ans: Since you are looking for 10 year time horizon, I recommend you divide the allocation equally(25%) across pure stock, equity growth, midcap index and small cap quality index funds.

Happy Investing!!

...Read more

Radheshyam

Radheshyam Zanwar  |892 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 19, 2024

Career
I am bsc cbz(chemistry botany zoology) 2nd semester student in bikaner rajasthan and my age is 22 and general category and want to pursue research msc than phd but confused about the scope in india in research field i am from middle class family . I dont want to become a school/ coaching teacher but can look for assistant professor and i am not interested in doing msc in chemistry or physics want to do in biotechnology microbiology etc. please help me ????????
Ans: Hello APRK.
You can pursue an M.Sc. and aim to go for P.Hd. There is a lot of scope for research field in India. To become an assistant professor, you must have a minimum qualification of M.Sc. If you are not interested in M.Sc. Chemistry / Physics, then you can go with Biotechnology Microbiology. This is also a good option for you.
In my opinion, there is no point in diversifying yourself without any reason. The correct path is B.Sc. then M.Sc. and then P.Hd. Join as an assistant professor in any college and even though you don't want to join any school/college, you can join any big coaching center or start your coaching. Without any confusion at this stage, just focus on your B.Sc. and try to excel In it with a high %tile for a better future in PG and P.Hd. While pursuing a B.Sc., if possible join some computer courses related to AI, Website development, Mastering Excel, Business Automation, etc. to have an added advantage from a job placement point of view.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

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Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

Asked by Anonymous - Sep 19, 2024Hindi
Money
Hello sir. I am 46 looking for advice . I want to increase my 50 L to 1 crore mf portfolio in next one year and my end goal is to achieve 5 to 7 crore by 10 years . I will invest Sip 12 lakh per year for next 5 years . I am getting 32 lakhs cash in next 6 to 9 manths. I am thinking to invest 8 laksh every quarter additional lumpsum by distributing to different mf. I have mf portfolio as large cap 3 including 1 index fund 23% . Midcap 3 23% and small cap 3 23% and flexicap 2 8% and sectorial 2 10% hybrid 2 13%. Based on overlapping fund I see large cap as potential to balance as it's 54% overlapping stocks ,other funds are 0verlapping is 8 to 14%. For each areas . I would like to know is my strategy right to distributing lumpsum quarterly wise right ? . I will be mostly distributing same % ? . Please let me know any other method to achieve the goal. Also all mfs iam keeping are 5 or 4 rated funds with consistent return of 15 to 20% with alpha more than 1 . I am reducing investment on 3 rated funds below alpha 1 funds. Please confirm the approach and Your guidance will be really appreciated
Ans: At 46, you are in a strong financial position with Rs. 50 lakh in mutual funds. Your goal is to grow this to Rs. 1 crore within a year and Rs. 5 to 7 crore in the next 10 years. You plan to invest Rs. 12 lakh per year through SIPs for the next five years, and you will also receive Rs. 32 lakh in cash in the next 6 to 9 months, which you plan to invest in a staggered manner. Your current mutual fund portfolio includes a mix of large-cap, mid-cap, small-cap, flexi-cap, sectoral, and hybrid funds.

Now, let's evaluate and assess your strategy from all angles to ensure it is aligned with your financial goals.

Evaluating Your Portfolio Composition
Current Allocation: Your portfolio includes a diverse range of mutual funds. You have 23% in large-cap, mid-cap, and small-cap funds, 8% in flexi-cap, 10% in sectoral, and 13% in hybrid funds.

Large-Cap Overlap: You mentioned that 54% of your large-cap funds overlap, which indicates some redundancy. Reducing overlap will streamline your portfolio and improve diversification.

Mid-Cap and Small-Cap Allocation: With 23% allocated to mid-cap and small-cap funds, you are well-positioned to benefit from higher growth potential. However, this also comes with higher volatility, which we will discuss in a later section.

Sectoral Funds: Sectoral funds make up 10% of your portfolio. These funds can be risky as they are dependent on the performance of specific sectors. Limiting exposure here is wise.

Hybrid Funds: Hybrid funds, at 13%, provide a mix of equity and debt, which adds a layer of stability. This is a balanced approach and complements your aggressive equity investments.

Lumpsum Strategy: Quarterly Distribution
Your Plan: You plan to distribute Rs. 8 lakh every quarter from your Rs. 32 lakh cash inflow, over the next year. Distributing lumpsum investments quarterly is a prudent way to mitigate market timing risks.

Staggered Approach: By staggering your lumpsum investment, you can take advantage of rupee cost averaging. This reduces the impact of market volatility, which is particularly important given the uncertain nature of markets.

Potential Risks: One concern with lump sum investments is the temptation to invest during market highs. Timing the market is difficult, and a disciplined staggered approach, as you’ve chosen, helps mitigate this risk.

SIPs for Consistent Growth
Annual SIP Commitment: You are investing Rs. 12 lakh annually in SIPs over the next five years. This is an excellent strategy, as SIPs benefit from market volatility. You are disciplined, which is crucial for long-term growth.

Rebalancing Strategy: You are reviewing funds based on their ratings and alpha. Reducing investments in 3-rated funds with lower alpha and focusing on 4- and 5-rated funds is smart. It is essential to continuously monitor fund performance, but avoid making impulsive changes based on short-term fluctuations.

Overlap in Large-Cap Funds
Issue of Overlap: You observed a 54% overlap in your large-cap funds, which is quite high. This can limit your exposure to new opportunities and reduce diversification. It is worth considering consolidation of your large-cap holdings to reduce this overlap.

Action Plan: You can replace some of the overlapping large-cap funds with high-quality actively managed funds. Actively managed funds can provide better opportunities for returns compared to index funds, as fund managers can take advantage of market inefficiencies.

Avoid Index Funds: While index funds can provide low-cost exposure, they often mirror market indices and cannot outperform them. Since you are aiming for a higher growth rate, actively managed funds are likely to be more beneficial. Index funds also lack flexibility in adjusting to changing market conditions, which is essential for achieving higher returns.

Flexi-Cap Funds: Adaptive and Flexible
Flexi-Cap Allocation: Your allocation of 8% to flexi-cap funds is solid. Flexi-cap funds offer the advantage of flexibility in investing across large-cap, mid-cap, and small-cap segments based on market opportunities.

Balancing Act: These funds can adapt to market conditions, providing a more balanced risk-return profile. Increasing your allocation to flexi-cap funds could further enhance the flexibility of your portfolio. These funds can help reduce the impact of volatility while still capitalizing on growth opportunities.

Mid-Cap and Small-Cap Funds: Growth with Volatility
Growth Potential: Mid-cap and small-cap funds provide significant growth potential. However, they are also more volatile compared to large-cap funds.

Current Allocation: Your allocation of 23% each to mid-cap and small-cap funds indicates a high-risk appetite. While these funds can deliver high returns, they can also experience sharp declines in the short term.

Risk Management: Since you are aiming for long-term growth, holding these funds makes sense. However, it’s essential to ensure that your portfolio is not overly concentrated in these high-risk categories. You may want to consider reducing your exposure slightly to mitigate risk, particularly as you approach retirement.

Sectoral Funds: Strategic but Risky
Sectoral Allocation: Sectoral funds can deliver outsized returns, but they are also highly risky as they depend on the performance of specific sectors.

Limiting Exposure: Keeping sectoral funds at 10% of your portfolio is reasonable. However, be cautious about increasing this allocation further, as these funds are more vulnerable to sector-specific downturns.

Hybrid Funds: Stability and Safety
Hybrid Allocation: Your 13% allocation to hybrid funds is a good way to balance your portfolio. Hybrid funds combine equity and debt, providing a safety net during market downturns.

Importance of Stability: These funds offer lower returns compared to pure equity funds, but they also provide stability, especially during market corrections. It’s a good idea to retain this allocation to hybrid funds as part of your overall strategy.

Monitoring Fund Ratings and Alpha
Fund Selection: You are making fund selections based on ratings and alpha. This approach is effective as it helps filter out underperforming funds.

Consistent Review: Continuously monitoring the performance of your funds is crucial. However, avoid making frequent changes based on short-term performance. Focus on long-term consistency and the overall trajectory of the funds.

Reducing 3-Rated Funds: You are reducing your investment in 3-rated funds with an alpha below 1. This is a sound decision as these funds are underperforming. Focus on high-quality funds that have consistently delivered strong returns.

Achieving Your 5 to 7 Crore Goal
Targeting 5 to 7 Crore: Your target of achieving Rs. 5 to 7 crore in 10 years is ambitious but achievable. With disciplined SIPs, a staggered lumpsum approach, and strategic fund selection, you are well on track.

Strategic Rebalancing: It’s important to regularly rebalance your portfolio to ensure it remains aligned with your goals. Focus on actively managed funds, reduce overlap, and avoid index funds to maximize your growth potential.

Consistency: The key to achieving your goal will be consistency. Stick to your SIP schedule, invest your lumpsum funds wisely, and avoid chasing short-term gains.

Final Insights
Your Strategy Is Strong: Overall, your strategy is solid. You have diversified your portfolio across different types of funds, and your disciplined approach to SIPs and lumpsum investments is commendable.

Focus on Large-Cap Overlap: Reducing the overlap in your large-cap funds will improve diversification and provide new growth opportunities.

Continue Monitoring Performance: Keep reviewing your fund performance, but avoid making hasty changes based on short-term trends. Focus on long-term growth.

Stay Disciplined: The key to success is discipline. Stick to your investment plan, and you will be well on your way to achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

Money
Mr Vivek Lala, Good Morning. Can you please tell me , 1) where all the places we can invest in SWPs. 2) Is there any age limit for SWP. 3) Is there SWP facility in NPS also?.4) Any upper ceiling limit to invest in SWP?. Thank you.
Ans: A Systematic Withdrawal Plan (SWP) is a facility offered by many mutual funds. It allows investors to withdraw a fixed sum from their investments at regular intervals. Let’s dive into each part of your query to provide detailed insights.

1. Investment Options for SWPs

SWPs are primarily associated with mutual funds. Here are the various options where you can invest through SWPs:

Debt Mutual Funds: These are one of the most popular options for SWPs. They provide stability, with low-risk returns.

Equity Mutual Funds: SWPs can also be done in equity mutual funds. This option is riskier, but it can offer better returns in the long term.

Hybrid Mutual Funds: These funds combine equity and debt, offering balanced risk and returns. SWPs in hybrid funds can help diversify risk.

Balanced Advantage Funds: These are dynamic funds that shift between equity and debt based on market conditions. SWPs in these funds could provide more stability.

Notably, SWPs are not available in direct equity, bonds, or other such traditional investments. They are mainly associated with mutual funds. It’s a simple and flexible option for generating regular income.

2. Age Limit for SWPs

There is no age limit for investing in an SWP. Whether you are young and looking to generate additional income, or you are in retirement, anyone can opt for SWPs. You can start an SWP at any stage in your life, as long as you have a mutual fund investment.

For young investors, it can be used to fund specific needs like education, travel, or other personal expenses. For retirees, it acts as a regular source of income to meet living expenses.

3. SWP in National Pension System (NPS)

Unfortunately, there is no SWP facility available in the NPS. The NPS is structured differently from mutual funds. It is a pension scheme meant for long-term retirement savings. The withdrawals from NPS are governed by specific rules, and it doesn’t offer the flexibility that SWPs do.

NPS provides partial withdrawal options, but these are limited. Upon maturity, you can withdraw 60% of your corpus, but the remaining 40% must be used to purchase an annuity. So, NPS does not have the same withdrawal flexibility as SWPs in mutual funds.

4. Upper Ceiling Limit for SWPs

There is no upper ceiling limit for investing in SWPs. You can invest as much as you want in mutual funds and set up an SWP accordingly. Your SWP amount depends on the size of your corpus and the returns it generates.

However, it’s crucial to be cautious. Withdrawing more than the returns can eat into your capital. Therefore, it is advisable to carefully calculate how much you wish to withdraw through SWP to ensure that your capital lasts for the desired period.

Advantages of SWPs

Here are the key advantages of opting for SWPs:

Regular Income: SWPs provide a steady and regular stream of income.

Tax Efficiency: SWPs in equity and hybrid funds are more tax-efficient compared to traditional income sources like Fixed Deposits.

Customisation: SWPs allow you to customize the withdrawal amount and frequency.

Flexibility: You can start or stop an SWP anytime. You can also increase or decrease the amount as needed.

Capital Protection: SWPs allow you to withdraw just the returns, protecting your capital.

Disadvantages of SWPs

Despite the advantages, there are a few downsides to SWPs:

Capital Erosion: If your withdrawals exceed the returns, your capital could reduce over time.

Market Risks: In equity-based SWPs, market fluctuations can impact returns, especially if you’re withdrawing regularly.

Lower Returns in Debt Funds: Debt funds provide stability but generally have lower returns compared to equity funds.

Comparison: SWPs vs Direct Investments

Some investors prefer direct mutual fund investments. However, direct plans, while having lower expense ratios, lack professional advice. Certified Financial Planners (CFPs) have extensive market experience and can tailor investments according to your goals and risk appetite.

Direct funds are usually opted by those who understand markets well. However, many investors lose potential returns by making emotional or uninformed decisions. That’s where regular funds managed by an MFD with CFP credentials can provide significant benefits. The guidance of a professional can ensure that your investments stay aligned with your goals and market conditions.

Why Actively Managed Funds are Better than Index Funds

If you’re considering mutual funds for SWPs, actively managed funds are a better option compared to index funds. Here’s why:

Market-Beating Potential: Actively managed funds have the potential to outperform the market, while index funds can only mirror the market returns.

Professional Management: Actively managed funds are run by experienced fund managers who actively adjust portfolios to seize opportunities and mitigate risks.

Customisation and Flexibility: Active funds allow fund managers to customize portfolios according to changing market conditions, unlike index funds which are rigid.

While index funds offer low-cost investments, they don’t offer the flexibility and potential growth that actively managed funds do.

No Ceiling on SWP Investments

As mentioned earlier, there is no ceiling on the amount you can invest in SWPs. However, you must consider how much you are withdrawing monthly. Over-withdrawing can erode your capital.

A Certified Financial Planner can help you plan an optimal withdrawal amount. They will ensure that your corpus is not depleted quickly while generating consistent returns.

Final Insights

SWPs are an excellent way to generate regular income, especially for retirees or those looking for a steady cash flow. The flexibility and tax benefits make it an attractive option for many investors.

You should remember, though, that SWPs in equity funds carry market risks, while debt funds offer stability with lower returns. A balance between the two, or opting for hybrid funds, may offer a safer bet for long-term withdrawal plans.

Lastly, avoid direct and index funds if you prefer peace of mind and professional management. By investing through a Certified Financial Planner, you can make sure your investments are aligned with your long-term financial goals, especially if you are considering SWPs.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Dr Dipankar

Dr Dipankar Dutta  |612 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Sep 19, 2024

Asked by Anonymous - Sep 18, 2024Hindi
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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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