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5 Lakh Bonus: Invest Now or Later?

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 22, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by nikhil Meshram on Sep 22, 2024Hindi

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Hi !!! I will be receiving 5 lakhs of bonus this month, and now I want invest in my MFs, but should I put lumpsum or systematically divide the amount for next 6 months and invest when market corrects? Or should I invest in current ongoing invests? List of MFs I have: 1. Quant Small cap 2. Motilal Oswal midcap fund 3. Quant Large and midcap fund 4. Planning to buy JM flexi cap too Pls provide your guidance?

Ans: Hello; It would be better if you stagger this investment over 8-10 months period in a systematic manner. Never ever try to time the market.

I believe you are investing for long term horizon(~10 years).

Your list of MFs and advice on the same is as follows:
1. Quant small cap fund: Instead invest in Nippon India Small cap or SBI small cap fund

2. Motilal Oswal Midcap fund: you may continue with this fund.

3. Quant Large and Midcap fund: Instead invest in Mirae Asset Large and Midcap fund or Kotak equal opportunities fund

4. JM flexicap fund(proposed): Instead invest in PPFAS flexicap or Kotak flexicap fund

Recommendations are based on 10 year compounded returns.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

You may follow us on X at @mars_invest for updates.

Happy Investing!!

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 Manoj - Mar 29, 2023Hindi

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Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj

Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

Ramalingam Kalirajan |9273 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Question by Jaideep - Jul 01, 2023Hindi

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I am ðŸ¥‡ ng these mfs 1.Parag parekh multi cap average invesent per month 6 to 8k in last 8 months ,return 17percent 2. 360 focused equity growth siping rs 2500 since 1.5 years return 20 percent 3. Newly started since 2 months pgim small cap return 4 percent 4. Mirae Blue chip holding 500 units sipped for 2.5 years return 73 percent at present Please advise on the future action like hold or keep investing

Ans: Firstly, it's truly heartening to see your commitment to investing and the returns you've achieved reflect that dedication. You've navigated various market conditions, showcasing resilience and an ability to adapt, which is commendable.

Looking at your portfolio, you've embraced a mix of multi-cap, focused equity, small-cap, and blue-chip funds. Each has its unique characteristics and serves a purpose in a diversified portfolio.

As for your future actions, it's essential to reflect on your investment goals. Are you investing for a specific milestone or a long-term horizon? The returns you've achieved are commendable, but what's the story behind these numbers? Understanding the 'why' behind your investments can guide your future decisions.

For your existing funds, consider reviewing their performance against benchmarks and their alignment with your goals. For new investments, ponder on whether they align with your strategy or introduce a new dimension to your portfolio.

In this journey of financial growth, it's not just about numbers but also about aligning your investments with your aspirations and values. A Certified Financial Planner can provide a holistic perspective, ensuring your investments resonate with your life's broader narrative.

Ramalingam Kalirajan |9273 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Asked by Anonymous - Sep 27, 2023Hindi

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SIR, I am investing 12000/-pm from April 23 , in following MFs. 1.Nippon India small cap @2000/- 2.Axis small cap fund direct growth @1000/- 3.SBI Magnum Mid cap@2000/- 4.Nippon india growth direct fund @1000/- 5.HDFC index S&P BSE sensex direct @2000/- 6.SBI Bluechip direct plan growth @2000/- 7.ICICI prudential bluechip @2000/- Plan for investment is 5 Yrs for a required wealth of 25 Lacs, please advice whether I am on right track.

Ans: Your investment plan seems diversified with allocations across different types of mutual funds, including small-cap, mid-cap, index funds, and large-cap funds. Here are some key points to consider:

Diversification: You have spread your investments across various categories, which can help reduce risk and enhance potential returns over the long term.

Investment Horizon: Investing for a period of 5 years is a good approach, but ensure that your investment horizon aligns with your financial goals. Since equity investments can be volatile in the short term, it's essential to stay invested for the long term to ride out market fluctuations.

Risk Assessment: Small-cap and mid-cap funds tend to be riskier than large-cap and index funds due to their higher volatility. Make sure you are comfortable with the risk level associated with these investments based on your risk tolerance and investment objectives.

Review and Adjust: Regularly review your portfolio's performance and make adjustments if needed. Consider rebalancing your portfolio periodically to maintain your desired asset allocation and risk level.

Professional Advice: If you're uncertain about your investment strategy or need personalized guidance, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Overall, your investment plan appears to be on the right track, but it's crucial to monitor your investments regularly and stay informed about market developments. Adjust your strategy as needed to stay on course towards achieving your wealth accumulation goal of 25 lakhs in 5 years.

Ramalingam Kalirajan |9273 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 06, 2025

Question by SANDEEP - Mar 06, 2025Hindi

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I am currently investing 28000/- in following mf . Kindly suggest me whether i am investing in right MF or not. Suggest if to be switched in to which MF HDFC LARGE AND MID CAP FUND - REGULAR PLAN - GROWTH SIP Amount 5000 HDFC NIPPON INDIA SMALL CAP FUND - GROWTH PLAN - GROWTH OPTION SIP Amount 5000 HDFC LARGE CAP FUND - REGULAR PLAN - GROWTH SIP Amount 3000 HDFC FOCUSED 30 FUND - REGULAR PLAN - GROWTH SIP Amount 3000 NIPPON INDIA POWER AND INFRA FUND- GROWTH PLAN-GROWTH OPTION SIP Amount 3000 HDFC MID-CAP OPPORTUNITIES FUND - GROWTH OPTION SIP Amount 3000 ICICI PRUDENTIAL INFRASTRUCTURE FUND - GROWTH SIP Amount 3000 INVESCO INDIA INFRASTRUCTURE FUND - GROWTH SIP Amount 3000

Ans: Your portfolio consists of multiple actively managed funds across different categories. While it has a good mix of large-cap, mid-cap, and small-cap funds, there are areas where adjustments can improve diversification and risk management.

Strengths of Your Portfolio
Your long-term investment horizon of 10 years allows for compounding and wealth creation.

You have exposure to different market caps, which provides a balance of stability and growth.

Actively managed funds can generate higher returns compared to passive funds.

Concerns in Your Portfolio
You are holding too many funds, leading to unnecessary duplication. More funds do not always mean better diversification.

Your portfolio has excessive allocation to sectoral funds, which increases concentration risk. If the sector underperforms, your returns will be affected.

Some funds have overlapping holdings, reducing the overall diversification benefit.

You have multiple funds from the same asset management company, limiting exposure to different investment styles.

Recommended Portfolio Adjustments
Retain a well-performing large & mid-cap fund instead of holding multiple funds in this category.

Maintain exposure to small-cap or mid-cap funds but avoid holding multiple funds with similar strategies.

A single focused fund is sufficient. Too many concentrated portfolios increase risk without adding significant benefits.

Reduce exposure to sector-specific funds. While sectoral funds can deliver high returns, they carry higher volatility and depend heavily on the sector’s performance. A more diversified approach is recommended.

Instead of multiple funds in the same category, consolidate into a few high-quality diversified equity funds that provide stable long-term growth.

Include a flexi-cap fund to enhance diversification and give fund managers the flexibility to invest across market capitalizations.

Final Insights
Your investment approach is well-structured, but simplifying your portfolio will improve returns and make it easier to manage.

Reducing sectoral allocation and consolidating overlapping funds will improve efficiency and stability.

A diversified and well-balanced portfolio with a mix of large-cap, mid-cap, small-cap, and flexi-cap funds will ensure long-term growth with controlled risk.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

Janak Patel |53 Answers |Ask -Follow

MF, PF Expert - Answered on Mar 06, 2025

Question by SANDEEP - Mar 06, 2025Hindi

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I am currently investing 28000/- in following mf . Kindly suggest me whether i am investing in right MF or not. Suggest if to be switched in to which MF HDFC LARGE AND MID CAP FUND - REGULAR PLAN - GROWTH SIP Amount 5000 HDFC NIPPON INDIA SMALL CAP FUND - GROWTH PLAN - GROWTH OPTION SIP Amount 5000 HDFC LARGE CAP FUND - REGULAR PLAN - GROWTH SIP Amount 3000 HDFC FOCUSED 30 FUND - REGULAR PLAN - GROWTH SIP Amount 3000 NIPPON INDIA POWER AND INFRA FUND- GROWTH PLAN-GROWTH OPTION SIP Amount 3000 HDFC MID-CAP OPPORTUNITIES FUND - GROWTH OPTION SIP Amount 3000 ICICI PRUDENTIAL INFRASTRUCTURE FUND - GROWTH SIP Amount 3000 INVESCO INDIA INFRASTRUCTURE FUND - GROWTH SIP Amount 3000

Ans: Hi Sandeep,

You have mentioned a total of 8 MF schemes for your investment of 28000 per month.
As details regarding your goal and requirement is not available, it is difficult to judge the overall portfolio from that point of view.
The schemes mentioned though are different names but will have a lot of overlap especially when you consider large cap stocks in their portfolio - HDFC Large & Mid / HDFC Large / HFDC Focused 30 and even the 3 Infra funds.

I believe the idea was to diversify your portfolio thru multiple schemes and if so, that is not really achieved.

Assuming you want to invest for over 10 year period, I suggest you keep your portfolio relatively simple with 4-5 schemes - 1 large cap (6000 in HDFC Large is ok), 1 Mid cap (6000 in HDFC Mid-cap or Motilal Oswal Midcap), 1 Small Cap (6000 in Nippon Small cap is ok) and 1 Infra (as you have shown inclination to Infra, 4000 in ICICI Pru Infra is ok) and add 1 Flexicap (6000 in Parag Parikh Flexicap which also has some overseas exposure). This will provide good diversification and less overlap.

This will provide good diversification and asset allocation across market caps.

Thanks & Regards
Janak Patel
Certified Financial Planner.

Ramalingam Kalirajan |9273 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Question by SANDEEP - Apr 02, 2025Hindi

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I am currently investing 28000/- in following mf . Kindly suggest me whether i am investing in right MF or not. Suggest if to be switched in to which MF HDFC LARGE AND MID CAP FUND - REGULAR PLAN - GROWTH SIP Amount 5000 HDFC NIPPON INDIA SMALL CAP FUND - GROWTH PLAN - GROWTH OPTION SIP Amount 5000 HDFC LARGE CAP FUND - REGULAR PLAN - GROWTH SIP Amount 3000 HDFC FOCUSED 30 FUND - REGULAR PLAN - GROWTH SIP Amount 3000 HDFC MID-CAP OPPORTUNITIES FUND - GROWTH OPTION SIP Amount 3000 ICICI PRUDENTIAL INFRASTRUCTURE FUND - GROWTH SIP Amount 3000 HDFC FLEXIVAP FUND - GROWTH SIP Amount 4000 CONTRA FUND =4000 PLEASE REVIEW

Ans: Your investment approach shows a good mix of large, mid, and small-cap funds. However, there are areas where adjustments can improve risk management and returns.

Review of Existing Portfolio
Large Cap Exposure (Rs 3,000/month)

Large-cap funds offer stability.

The allocation here is low compared to mid and small caps.

A slight increase may help balance volatility.

Large & Mid Cap Exposure (Rs 5,000/month)

This fund gives exposure to both stable and growth-oriented stocks.

Keeping this allocation is fine.

Mid Cap Exposure (Rs 3,000/month)

Mid-cap funds can give high returns but are volatile.

Exposure is reasonable but should not be increased further.

Small Cap Exposure (Rs 5,000/month)

Small caps have high growth potential but also high risk.

Reducing this allocation slightly may help manage risk.

Focused Fund (Rs 3,000/month)

These funds hold fewer stocks, increasing concentration risk.

If risk appetite is low, consider switching to a more diversified fund.

Infrastructure Fund (Rs 3,000/month)

Thematic funds like this are sector-specific.

These are cyclical and may not perform consistently.

If diversification is a priority, this can be switched to a multi-sector fund.

Flexi Cap Exposure (Rs 4,000/month)

Flexi-cap funds offer flexibility across market caps.

This is a good choice and can be continued.

Contra Fund (Rs 4,000/month)

Contra funds follow a contrarian strategy, buying undervalued stocks.

These are good for long-term investing.

Keeping this allocation is fine.

Suggested Adjustments
Reduce small-cap allocation to Rs 3,000/month.

Increase large-cap allocation to Rs 5,000/month.

Consider switching out of the infrastructure fund to a more diversified fund.

If risk appetite is moderate, shift from focused fund to a flexi-cap or large & mid-cap fund.

These changes will improve diversification, reduce risk, and maintain growth potential.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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