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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jun 03, 2022

Mutual Fund Expert... more
Anamika Question by Anamika on Jun 03, 2022Hindi
Money

I am a regular reader of your blog and like the same. I am a 39 year single working female and this is my third email to you. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments. Also plan to withdraw / use lump sum investments for home buying. Kindly advise.

SIPs I plan to continue for the long term.

My lump sum investments are as follows:

Sr. no.  Date  MF name  Amount
1 20-11-2019 UTI Mastershare Unit Scheme-Regular Growth  200000
2 22-11-2019 UTI Liquid Cash Plan - Regular Plan - Growth 300000
  09-11-2020 Withdraw UTI Liquid Cash Plan - Regular Plan - Growth 250000
3 11-11-2020 UTI Liquid Cash Plan - Regular Plan - Growth 200000
4 01-01-2020 Axis Retirement Savings Fund - Dynamic Plan , Regular growth 30000
5 01-01-2020 Axis Retirement Savings Fund - Aggressive Plan , Regular growth  40000
6 01-01-2020 Axis Retirement Savings Fund - Conservative Plan , Regular growth  30000
7 23-07-2021 UTI Ultra Short Term Fund - Regular Growth Plan 40000
8 23-07-2021 UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) - Regular Growth  30000
9 23-07-2021 UTI Mastershare Unit Scheme - Regular Growth Plan 30000
10 28-07-2021 UTI Ultra Short Term Fund - Regular Growth Plan 50000
11 04-08-2021 UTI Focused Equity Fund - Regular Growth Plan 30000
12 02-09-2021 UTI Liquid Cash Plan - Regular Plan - Growth 120000
13 01-10-2021 HDFC Developed World Indexes Fund of Fund  25000
14 01-10-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan 25000
15 04-10-2021 SBI Focused Equity Fund (Regular growth ) 25000
16 04-10-2021 DSP Flexi Cap Fund 25000
17 01-11-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan 25000
18 01-11-2021 ICICI Prudential Multi-Asset Fund - Growth 25000
19 01-11-2021 HDFC Large and Mid Cap Fund - Regular Plan - Growth (Erstwhile HDFC Growth Opportunities Fund) 25000
20 01-11-2021 DSP Mid Cap Fund - Regular Plan - Growth 25000
21 01-12-2021 HDFC Multi Cap Fund Regular Growth 20000
22 01-12-2021 Axis Multicap Fund Regular Growth 20000
23 3.01.2022 HDFC Multi Cap Fund Regular Growth(HMCRG) 50000
    TOTAL MF 1140000

My SIP Portfolio is as below:

Sr. no.  Start Date  MF name  Amount
1 22-11-2019 ULIP  3000
2 22-11-2019 UTI Mastershare / UTI  4000
3 22-11-2019 UTI Equity fund / UTI 4000
4 22-11-2019 UTI MNC Fund / UTI 5000
5 25-11-2019 Aditya Birla Sunlife Focus / HDF 3000
6 25-11-2019 Aditya Birla Sunlife India / HDF 3000
7 26-11-2019 Axis Bluechip / UTI 2000
8 26-11-2019 Axis Multicap Fund / UTI 2000
9 19-12-2019 HDFC Equity Fund  1000
10 20-12-2019 HDFC Top Fund  1000
11 13-01-2020 UTI Flexi Cap Fund(UTI Equity fund)Regular growth plan  2000
12 13-01-2020 UTI Value Opportunities Fund - Regular fund  2000
13 10-01-2020 ICICI Prudential Bluechip Fund  1000
14 10-01-2020 ICICI Prudential Multicap Fund  1000
15 13-01-2020 ABSL India Gen Next Fund  1000
16 13-01-2020 ABSL Equity Fund 1000
    Total  36000

Ans: Please continue with the SIPs and liquidate the liquid funds first. Then depending upon exit loads others can be liquidated.

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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jun 15, 2022

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I am a  reader of your blog and like the same. I am a 39 year single working female. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments. Also plan to withdraw/use lump sum investments for home buying. Kindly advise. I plan to continue the SIPs for the long term. My lump sum investments are as follows: Sr. no. Date MF name Amount 1 20-11-2019 UTI Mastershare Unit Scheme- Growth 200000 2 22-11-2019 UTI Liquid Cash Plan -  Plan - Growth 300000   09-11-2020 Withdraw UTI Liquid Cash Plan -  Plan - Growth 250000 3 11-11-2020 UTI Liquid Cash Plan -  Plan - Growth 200000 4 01-01-2020 Axis Retirement Savings Fund - Dynamic Plan,  growth 30000 5 01-01-2020 Axis Retirement Savings Fund - Aggressive Plan,  growth 40000 6 01-01-2020 Axis Retirement Savings Fund - Conservative Plan,  growth 30000 7 23-07-2021 UTI Ultra Short Term Fund -  Growth Plan 40000 8 23-07-2021 UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) -  Growth 30000 9 23-07-2021 UTI Mastershare Unit Scheme -  Growth Plan 30000 10 28-07-2021 UTI Ultra Short Term Fund -  Growth Plan 50000 11 04-08-2021 UTI Focused Equity Fund -  Growth Plan 30000 12 02-09-2021 UTI Liquid Cash Plan -  Plan - Growth 120000 13 01-10-2021 HDFC Developed World Indexes Fund of Fund 25000 14 01-10-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth -  Plan 25000 15 04-10-2021 SBI Focused Equity Fund ( growth ) 25000 16 04-10-2021 DSP Flexi Cap Fund 25000 17 01-11-2021 Aditya Birla Sun Life Flexi Cap Fund - Growth -  Plan 25000 18 01-11-2021 ICICI Prudential Multi-Asset Fund - Growth 25000 19 01-11-2021 HDFC Large and Mid Cap Fund -  Plan - Growth (Erstwhile HDFC Growth Opportunities Fund) 25000 20 01-11-2021 DSP Mid Cap Fund -  Plan - Growth 25000 21 01-12-2021 HDFC Multi Cap Fund  Growth 20000 22 01-12-2021 Axis Multicap Fund  Growth 20000 23 3.01.2022 HDFC Multi Cap Fund  Growth(HMCRG) 50000     TOTAL MF 1140000 My SIP portfolio is as below: Sr. no. Start Date MF name Amount 1 22-11-2019 ULIP 3000 2 22-11-2019 UTI Mastershare / UTI 4000 3 22-11-2019 UTI Equity fund / UTI 4000 4 22-11-2019 UTI MNC Fund / UTI 5000 5 25-11-2019 Aditya Birla Sunlife Focus / HDF 3000 6 25-11-2019 Aditya Birla Sunlife India / HDF 3000 7 26-11-2019 Axis Bluechip / UTI 2000 8 26-11-2019 Axis Multicap Fund / UTI 2000 9 19-12-2019 HDFC Equity Fund 1000 10 20-12-2019 HDFC Top Fund 1000 11 13-01-2020 UTI Flexi Cap Fund(UTI Equity fund) growth plan 2000 12 13-01-2020 UTI Value Opportunities Fund -  fund 2000 13 10-01-2020 ICICI Prudential Bluechip Fund 1000 14 10-01-2020 ICICI Prudential Multicap Fund 1000 15 13-01-2020 ABSL India Gen Next Fund 1000 16 13-01-2020 ABSL Equity Fund 1000     Total 36000
Ans: Too many funds, continue with SIPs, you may liquidate lumpsums for the home purchase starting with Liquid  / Short term liquid / debt funds.

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Hi, I am 46 years old residing in a B Town in India. I have 2 daughters one 16 years old and second 7 years old. I have Savings of 25 Lakh in my account as emergency find. I have FD of 65 Lakhs. PF, PPF and NPS of 25 Lakhs, Mutual Fund and Shares of 25 Lakhs, Lic policies worth 25 Lakhs, Gold around 1.2 Crores. I have a medical insurance of 20 Lakhs for me and my family, Term insurance of 1Cr. As properties. I own 2 independent houses, 2 flats and 2 plots in Bangalore which has a current value of about 4.5 Cr. In my home town i have 2 Houses, 1 apartment and plots which has a current value of 2.75 Cr. Currently i am drawing a monthly salary of 2 Lakh rupees and get a rent of 30K/ month. I donot have any emi's and my monthly expenses is currently 75K. I am planning to retire at the age of 50. Is my financial condition stable to retire at the age of 50? Thanks for your suggestion in advance.
Ans: Hi,

Lets understand the value of your current Investments at the time of retirement. Below is the list with its current value and (expected rate of return).
Emergency Fund - 25 lakhs (3.5%)
Fixed Deposits - 65 lakhs (7%)
PF/PPF/NPS - 25 lakhs (8%)
MF/Stocks - 25 lakhs (10%)
LIC Policies - 25 lakhs (no change)
Your current investments listed above will achieve a value of 3.5 crore at the time of retirement 4 years from now.

Apart from this you have mentioned properties worth 7.25 Cr. Assuming you will only use/liquidate them if required, so excluding them from consideration for now.

You total income is 2.30 lakhs per month (includes rent) and expenses are 75k per month. So there is potential to add to the above investments for the next 4 years.

I will assume your current expenses are sufficient for the lifestyle you want to continue post retirement.
You will require a corpus on retirement after 4 years to sustain your expenses adjusted with inflation of 6% which will be close to 1 lakh per month (at the time of retirement).
With this starting point, and adjusting for inflation of 6% each year, and life expectancy of 30 years post retirement you need a corpus of approx. 2.5 crore - again assumed this will earn a return of 8% for the 30 years.
If you can invest wisely and generate a slightly higher return of say 10%, the corpus requirement will be 2 crore.

Your current investments at the time of retirement with value of 3.5 crore is sufficient to cover your expenses for the next 30 years inflation adjusted at 6%.
And this is excluding the properties you own and additional investments you can make for the next 4 years.

Summary - You are more than stable as far as your financial state is concerned. You have a strong base to meet your retirement needs and also a potential to create wealth for the generations ahead.

I want to highlight/recommend few points -
1. Increase the medical Insurance for yourself and family to 1Crore as medical expenses will only increase in future.
2. Stop the Term Life Insurance and save the premium for investment. As you have no liabilities and net-worth is high enough to cover any outcomes in life ahead, this premium is a lost cause considering your strong financial state.
3. Revisit the LIC Policies you have and consider surrendering/stopping them if they are not nearing their maturity. They are not giving you enough cover and providing below par returns. So do discuss with a trusted licensed advisor and evaluate them. If they will mature in the next 4 years, ignore this point.
4. Post retirement period is a long duration of 30 years, so do consider getting a good advisor - a Certified Financial Planner who can guide you to plan your retirement well and help you design a portfolio for additional wealth creation as a legacy for your children/dependents.


Thanks & Regards
Janak Patel
Certified Financial Planner.

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Hi, I have the following funds part of my SIP and the last 4 funds are my one time lump sum of 35K each and invested sometime in November last year. Are these good to hold (lump sum) and rest as SIP for another 5 years. 1 Kotak Flexicap Fund - Reg Gr 2 Kotak Flexicap Fund - Dir Gr 3 Tata Multi Asset Opp Dir Gr 4 TATA Nifty 50 Index Dir Pl 5 Technology Plan - Direct - Growth 6 Bandhan Sterling Value Fund-(Reg PIn) -Gr 7 Nifty Smallcap250 Quality 50 Index Fund - Dir - G 8 | HDFC Dividend Yield Direct Growth 9 Quant Large and Mid Cap Fund Direct Growth 10 Quant Multi Asset Fund Direct Growth 11 Groww Nifty Non Cyclical Consumer Index Fund Direct Growth 12 Motilal Oswal Midcap Fund Direct Growth Thanks in advance for your guidance.
Ans: You have invested in multiple funds through SIP and lump sum. Holding them for the next 5 years is a good approach. However, it is important to check if your portfolio is diversified, aligned with your goals, and tax-efficient.

Overlap Between Funds
Your portfolio has multiple funds from the same category.

Too many similar funds do not improve returns but make tracking difficult.

Checking fund overlap can help avoid duplication.

Actively Managed vs Index Funds
You have index funds in your portfolio.

Index funds do not offer downside protection in market corrections.

Actively managed funds can outperform the index in volatile markets.

Switching from index funds to actively managed funds can improve growth.

Direct vs Regular Funds
You have invested in direct funds.

Direct funds may seem cheaper, but they lack expert guidance.

Investing through an MFD with CFP credentials ensures better selection and tracking.

Regular funds provide better decision-making support over time.

Sector-Specific and Thematic Funds
You hold a technology fund.

Sector funds are high-risk, as they depend on one industry’s performance.

If the sector underperforms, returns may be negative for years.

A diversified approach reduces risk compared to sector-based investing.

Smallcap and Midcap Allocation
You have smallcap and midcap funds.

These funds can be highly volatile in the short term.

Holding them for 5+ years is necessary to reduce risk.

Ensure you rebalance if the portfolio gets too aggressive.

Multi-Asset and Dividend Yield Funds
Multi-asset funds provide stability during market corrections.

Dividend yield funds are suitable for conservative investors.

These funds help in balancing the portfolio between risk and return.

Final Insights
Reduce overlapping funds and focus on fewer, well-performing funds.

Exit index funds and shift to actively managed funds for better growth.

Consider switching from direct funds to regular funds for expert tracking.

Keep sector funds below 10% of your portfolio to avoid concentration risk.

Continue SIPs in high-quality diversified funds for long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Can I run my family with 15 k exp and 20k retirement income
Ans: You have a monthly retirement income of Rs 20,000 and expect monthly expenses of Rs 15,000. On paper, this looks manageable, but there are important financial factors to consider. Let us analyse whether this income will be sufficient for the long term.

Cost of Living and Inflation Impact
Expenses will increase over time due to inflation.

If inflation is 6% per year, your Rs 15,000 monthly expenses may double in 12 years.

If income remains Rs 20,000, the gap between income and expenses will widen.

Healthcare and Medical Costs
Medical expenses increase with age.

Even with health insurance, out-of-pocket medical costs can rise.

If a medical emergency arises, your savings could be depleted quickly.

Emergency Fund Requirement
A sudden family emergency can strain finances.

Having at least 2–3 years' worth of expenses in a liquid fund is necessary.

If you do not have an emergency fund, your retirement income may not be sufficient.

Unplanned Expenses and Lifestyle Changes
New financial needs may arise, such as helping family members or home repairs.

You may want to travel, pursue hobbies, or engage in social activities.

A fixed retirement income can make such expenses challenging.

Investment Strategy for Long-Term Security
To beat inflation, invest a portion of savings in growth-oriented assets.

A mix of equity and debt funds will help generate better returns.

A Systematic Withdrawal Plan (SWP) from equity funds can provide a higher monthly income.

Alternative Income Sources
Consider part-time work, freelancing, or consulting if possible.

Rental income or dividends from investments can support retirement cash flow.

Final Insights
Rs 20,000 may be enough now, but inflation and rising costs can make it insufficient later.

A combination of investments, emergency funds, and alternate income sources will provide financial security.

Regularly review and adjust your financial plan to sustain your retirement lifestyle.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Hello sir, I have about 28 lakhs invested in different MF. Now i want a SWP of 35000 per month from that total fund. Looking at the current market situation I was either thinking if dividing the fund between debt 30% and equity 70%. But instead of investing a lumpsum amounts will it make more sense to park all my funds in a dynamic debt fund and then every month do SIP of maybe one lakh each to equity fund or balanced fund. Also i would like to know what difference will it make in my investment returns between sip and lumpsum except ofcourse averageing the market volatility in case of SIP and getting more UNITS if done lumpsum.
Ans: You have Rs 28 lakh invested in mutual funds and want to withdraw Rs 35,000 per month through a Systematic Withdrawal Plan (SWP). You are considering whether to invest the corpus as a lump sum in a 70% equity – 30% debt allocation or to park the full amount in a debt fund and do an SIP of Rs 1 lakh per month into equity.

Your goal should be to generate stable withdrawals while preserving your capital and ensuring growth. Below is a structured approach to managing your funds wisely.

Understanding SWP and Its Impact on Your Corpus
SWP is a cash flow strategy, allowing regular withdrawals while the remaining corpus continues to grow.

The key challenge is to balance withdrawals and growth so that the corpus does not deplete too soon.

Investing in a mix of debt and equity will ensure stability while benefiting from market growth.

Option 1: Investing 70% in Equity and 30% in Debt
This allocation is suitable for long-term growth. Equity provides growth, while debt ensures stability.

A balanced portfolio helps manage volatility and ensures a steady SWP.

The downside is that a lump sum investment in equity exposes you to market fluctuations.

If the market falls after investing, the SWP may lead to selling equity at a lower value, reducing corpus longevity.

Option 2: Parking in a Debt Fund and Doing Monthly SIPs
This reduces market timing risk by investing gradually.

Debt funds provide low but steady returns, protecting the corpus while equity exposure increases.

SIPs spread the risk over time, ensuring better price averaging.

The downside is that debt funds provide lower returns, which may impact the final corpus.

SIP vs Lump Sum: Key Differences
SIP helps in market averaging, reducing the impact of volatility.

Lump sum investment can generate higher returns if the market performs well.

SIP is better for those worried about market crashes, while lump sum works well for long-term investors willing to take higher risks.

Best Strategy for You
A hybrid approach will work best:

Step 1: Park Rs 28 lakh in a low-duration or dynamic debt fund.

Step 2: Start an SIP of Rs 1 lakh per month into equity for 24–28 months.

Step 3: Withdraw Rs 35,000 per month from the debt fund until equity allocation builds up.

Step 4: After 2–3 years, rebalance to maintain a 60% equity – 40% debt allocation for stability.

Tax Implications of SWP
Withdrawals from equity funds held for over 1 year attract 12.5% tax on LTCG above Rs 1.25 lakh.

Withdrawals before 1 year attract 20% STCG tax.

Withdrawals from debt funds are taxed as per your income tax slab.

Final Insights
A mix of debt and equity will ensure growth and stability in your SWP plan.

Parking the corpus in a debt fund first and then gradually shifting to equity is a safer approach.

Rebalancing every 2–3 years will help manage risk and sustain withdrawals.

Keep track of taxation to optimise post-tax returns.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Hello Sir, I am 46. Unemployed due to health reasons. I have 28 lakhs i want to invest in SWP . I need 35000 monthly. How long do I have before my fund runs out? How should I invest to make the most of it? I want my funds to appreciate as well to be atleast propionate to my need of 35000. Given- if i invest in lumpsum than I get higher number of units and if i take the SIP route it can negate the market volatility. Looking at the current market scanerio i believe it may take couple of years to see proper returns. I was also thinking of pooling the entire corpus in Aggressive debt funds and then do a SIP to an actively managed equity fund. Under these circumstances please provide fund names also. Thanks in advance.
Ans: You are 46 and unemployed due to health reasons. You need Rs 35,000 per month from your investments. Your goal is to make your funds last longer while allowing growth.

Let us analyse your options and create a plan.

Assessing Your Requirement
You need Rs 4.2 lakh per year (Rs 35,000 x 12 months).

Your corpus is Rs 28 lakh.

If you withdraw Rs 4.2 lakh annually without growth, your funds will last less than 7 years.

You need growth to sustain withdrawals for a longer period.

Challenges with a High SWP Rate
A SWP of 15% per year (Rs 4.2 lakh from Rs 28 lakh) is too high.

Safe withdrawal rates are usually 4-6% per year.

A high withdrawal rate will deplete your corpus fast.

Investment Strategy for SWP
You need a mix of equity and debt to balance growth and stability.

Step 1: Allocate Corpus Wisely
Equity (50%): Invest for growth.
Debt (50%): Keep funds for the next 5-6 years of withdrawals.
This approach helps maintain stability while allowing long-term appreciation.

Step 2: SWP from Debt Funds
Start your SWP from debt funds to avoid withdrawing from volatile equity investments.

Debt funds provide stability and minimise short-term risk.

This ensures your equity investments have time to grow.

Step 3: Systematic Transfer to Equity
Keep your equity allocation in a flexi-cap or multi-cap fund for diversification.

Invest in a systematic transfer plan (STP) from a debt fund to an equity fund.

This reduces market timing risk and balances volatility.

Expected Corpus Longevity
If your portfolio grows at 8-10% annually, your funds may last 10-12 years.

If the market performs well, your funds may last longer.

A lower withdrawal rate will further extend sustainability.

Alternative Options to Sustain Your Corpus
Reduce withdrawals: If possible, lower monthly expenses to Rs 25,000-30,000.

Part-time income: If health permits, explore work-from-home or passive income options.

Medical emergency fund: Keep at least Rs 2 lakh aside for medical needs.

Review investments: Rebalance every year to maintain growth and stability.

Final Insights
Your current withdrawal rate is high.

A balanced equity-debt approach can extend the longevity of your corpus.

Use SWP from debt funds and STP to equity for better returns.

Monitor the portfolio regularly to ensure sustainability.

If possible, reduce withdrawals slightly to make the corpus last longer.

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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