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Samraat Jadhav |2215 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 22, 2023

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Question by Raghu on Jun 20, 2023Hindi

Money

Raghu Asked on - Jun 06, 2023 Hi currently at investing in below MFs, im 36 years old. Can you review the below funds. Goal is to accumulate 10cr corpus in 15years Axis Small Cap - 5000/- CR Small Cap - 5000/- Tata Small Cap - 5000/- Axis Long term equity fund - 5000/- Quant Tax Plan - 5000/- Parag Parikh Tax Fund - 15000/- PGIM Midcap Opportunity - 12500/- Parag Parikh Flexi Cap - 12500/- PGIM Flexi Cap Fund - 11000/- Tata Resource & Energy Fund - 5000/- Mirae Asset Global X Artificial ETF - 5000/-

Ans: Funds are good and the best part is your goal is for 15yrs which is a good sign of investing.
with 18% of overall returns with these funds your corpus at the end would be Rs. 7,42,41,062/-
with 20% of overall returns with these funds your corpus at the end would be Rs. 8,92,08,227/-
with 22% of overall returns with these funds your corpus at the end would be Rs. 10,72,60,404/-
so watch accordingly on the returns and track funds.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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 Raghu - Jun 06, 2023Hindi

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Hi currently at investing in below MFs, im 36 years old. Can you review the below funds. Goal is to accumulate 10cr corpus in 15years Axis Small Cap - 5000/- CR Small Cap - 5000/- Tata Small Cap - 5000/- Axis Long term equity fund - 5000/- Quant Tax Plan - 5000/- Parag Parikh Tax Fund - 15000/- PGIM Midcap Opportunity - 12500/- Parag Parikh Flexi Cap - 12500/- PGIM Flexi Cap Fund - 11000/- Tata Resource & Energy Fund - 5000/- Mirae Asset Global X Artificial ETF - 5000/-

Ans: It seems that your portfolio is over diversified. Every category should include one or maximum two funds of any category but it in your case there are more than 2 funds which will affect the portfolio.

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Asked by Anonymous - Dec 27, 2023Hindi

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Sir i want to invest in mfs with a time horizon of 25to30years, kindly suggest me my age 27years i invested just few days ago i have keeping 15000rs saving to keep mfs is correction sir and how much should investment i am farmer sir monthly i can save 15000rs please suggest sir 1) kotak emerging equity fund direct growth 2) Nippon india small cap fund direct growth 3) parag parikh flexi cap fund direct growth 4) ICICI prudential nifty pharma index fund direct idcw 5) Kotak nifty financial services ex bank index 6) quant multi asset fund direct growth

Ans: Considering your long-term investment horizon of 25-30 years and your risk appetite, your selection of mutual funds seems suitable. However, it's essential to ensure proper diversification across different asset classes and market segments to mitigate risk. Since you are a farmer and have a monthly savings capacity of Rs. 15,000, you can distribute your investments across these funds based on your risk tolerance and financial goals. Additionally, consider consulting with a financial advisor to fine-tune your investment strategy and ensure alignment with your objectives. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards your goals.

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Question by Raghu - Mar 05, 2024Hindi

Money

Hi, I'm starting my investment in below MFs, I'm 36 years old. Can you provide inputs for the below funds. I can invest upto 125000/-. My goal is to accumulate 5cr corpus in 10years. Tata Small Cap - 14000/- Canara Robeco Small Cap - 12500/- Edelweiss Small Cap - 12500/- Mirae Asset Midcap Fund - 12500/- Motilal Oswal Midcap Fund- 12500/- Quant Active Fund - 25000/- Parikh Flexi Cap - 25000/- Mirae Asset Global X Artificial ETF - 11000/-

Ans: Knowing that you are making plans to reach your objective is constructive. After analyzing your current investment, you will have approx Rs 2.87 Cr in 10 years considering your monthly investment (SIPs) of Rs 1.25 Lakhs over 10 years.

While calculating above computation, we have taken the rate of return @12% p.a.
Your portfolio is more aligned towards small cap category. We suggest you to take some exposure towards Large Cap & Hybrid Fund categories too. Proper diversification helps the portfolio to generate & preserve the wealth in the long-term investment horizon.

For achieving the goal of Rs 5 Cr, we suggest you to increase your SIPs by Rs 95,000/- or invest the bulk (one time) Rs 70 Lakhs/-. You could also have a combination of the same and aim to increase your SIPs over the years as you get more financial ability to do so.

Note: We have assumed the monthly investment of Rs 1.25 Lakhs, while providing our recommendation.

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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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