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Ramalingam

Ramalingam Kalirajan  |7484 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 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
Asked by Anonymous - Apr 23, 2024Hindi
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Hi Sanjeev, I am 36, investing in MF via SIP per month as follows - HDFC S&P Index 500 - 30K, ICICI Prudential Mid Cap Index 150 - 30K, Axis Small Cap Fund - 15K, Quant Small Cap - 15K, Quant Infrastructure Fund - 15K, Parag Parikh Flexi Cap - 15K. I am planning for long term of 10 to 15 years for my 3 year old child's education and wealth creation in general. Does this need changes?

Ans: Your investment approach shows a blend of optimism and strategy, much like a seasoned chef adding a variety of spices to create a flavorful dish. However, consider reviewing the concentration in mid and small-cap funds, which can be more volatile. A more diversified allocation across large-cap, flexi-cap, and index funds could offer a balanced flavor to your investment recipe, aligning better with your long-term goals. Remember, it's about achieving a harmonious blend rather than focusing on individual ingredients.
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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Ramalingam

Ramalingam Kalirajan  |7484 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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I am 38 yr old with 2 daughters 14 n 7 yrs old. I earn a monthly salary of 50k per month.I have invested in SIP just since last 4 months. Aditya Birla Sun Life digital India fund growth: 3000/- ICICI prudential commodities fund direct growth: 500/- Quant small cap : 1000/- SSY: 1000/- I have a monthly emi of 15k. And other expenses of 15k Please help with me know if the MF are fine to go ahead or should I stop. If so...pl suggest better ones.
Ans: At 38, with two daughters and a monthly salary of 50k, your commitment to investing for your family's future is commendable. Let's review your current SIP investments:

Aditya Birla Sun Life Digital India Fund: This fund offers exposure to the digital revolution, which can be a high-growth sector. Given the increasing digitalization trend, it's a promising choice for long-term growth.
ICICI Prudential Commodities Fund: Commodities can be volatile and subject to market fluctuations. While they offer diversification benefits, they may not be suitable for all investors due to their inherent risk.
Quant Small Cap: Small-cap funds can offer high growth potential, but they also come with higher volatility. They're best suited for investors with a high-risk tolerance and a long-term investment horizon.
Sukanya Samriddhi Yojana (SSY): This government-backed scheme is an excellent choice for securing your daughters' future education and marriage expenses. It offers tax benefits and guaranteed returns, making it a reliable investment option.
Given your financial responsibilities and investment horizon, it's essential to ensure that your portfolio is well-balanced and aligned with your risk tolerance. Consider consulting with a Certified Financial Planner who can assess your financial goals and recommend suitable investment options.

While your current SIPs show diversity, you may want to review the ICICI Prudential Commodities Fund due to its higher risk profile. Instead, you could consider adding a diversified equity fund or a balanced fund to your portfolio for stability and growth potential.

Remember, regular review and adjustment of your investment strategy are essential to ensure it remains in line with your financial goals and risk tolerance. With careful planning and professional guidance, you can build a robust investment portfolio that secures your family's future aspirations.

..Read more

Ramalingam

Ramalingam Kalirajan  |7484 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Hi Ramalingam, I am 36, investing in MF via SIP per month as follows - HDFC S&P Index 500 - 30K, ICICI Prudential Mid Cap Index 150 - 30K, Axis Small Cap Fund - 15K, Quant Small Cap - 15K, Quant Infrastructure Fund - 15K, Parag Parikh Flexi Cap - 15K. I am planning for long term of 10 to 15 years for my 3 year old child's education and wealth creation in general. Does this need changes?
Ans: You've taken a proactive approach to investing, which is excellent for achieving your long-term goals. However, there are a few considerations to ensure your portfolio is optimized for your objectives:

Diversification: While you have diversified across fund types, ensure you're not over-concentrating in similar categories like small-cap and mid-cap funds. Consolidating similar funds can simplify your portfolio and reduce overlap.
Risk Assessment: Small-cap and mid-cap funds can be more volatile but offer higher growth potential. Ensure your portfolio aligns with your risk tolerance. If you're comfortable with the volatility, maintain your allocations; otherwise, consider rebalancing.
Performance Review: Regularly review fund performance. If a fund consistently underperforms its benchmark or peers, consider replacing it with a better-performing alternative.
Goals Alignment: Ensure your investment choices align with your financial goals. For your child's education, consider a mix of equity and debt funds to balance growth and stability.
Expense Ratio: Keep an eye on the expense ratio. Lower expense ratios can improve your returns over the long term.
Considering these factors, you might consider:

Consolidating funds with similar objectives to simplify your portfolio.
Reviewing the performance of Quant Small Cap and Quant Infrastructure Fund, given their volatility.
Rebalancing your portfolio periodically to ensure alignment with your goals and risk tolerance.
Remember, while it's essential to stay invested for the long term, regular reviews and adjustments can help optimize your returns and keep your portfolio aligned with your financial goals. Consult with a financial advisor for personalized advice tailored to your needs.

..Read more

Ramalingam

Ramalingam Kalirajan  |7484 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Sir, I am 35, following are my SIPs per month: I have just started investment 1. Canara Robeco ELSS Tax Saver- Rs. 1000/- 2. HDFC Large and Mid Cap Fund Regular Growth- Rs. 1000/- 3.HDFC Flexicap Fund Regular Plan Growth- 1000/- 4. HDFC Retirement Saving Fund- Regular Plan Growth-1000/- 5. HDFC Balanced Advantage Fund - Regular Plan Growth- 1000/-. 6. Icici prudential Balanced Advantage Fund Regular-1000 7. Icici prudential Dividend Yield Fund-1000 8. Icici prudential Equity and Debt fund-1000 9. Icici prudential Value and Discovery fund-1000 10. Nippon small and multi cap-1000 Please suggest whether if any changes needed or should I continue investing on above mf
Ans: You've set a strong foundation with a diverse range of funds, showing a proactive approach to investing. However, there are a few considerations to keep in mind to optimize your portfolio:

Diversification: While diversifying across fund types is good, ensure you're not over-diversifying within similar categories. Consolidating similar funds can simplify your portfolio.
Consistency: Regular review is essential. Keep an eye on fund performance, and if a fund consistently underperforms its benchmark or peers, consider replacing it.
Goals Alignment: Ensure your investment choices align with your financial goals. For example, ELSS for tax-saving should ideally be held for the long term, while balanced funds can offer a mix of growth and stability.
Risk Tolerance: Understand your risk tolerance. Some funds like small and mid-cap or value discovery can be more volatile but offer higher growth potential. Ensure your portfolio aligns with your risk appetite.
Costs: Keep an eye on the expense ratio. Lower expense ratios can improve your returns over the long term.
Considering these factors, you might consider:

Consolidating funds with similar objectives.
Reviewing the performance of Icici prudential Dividend Yield Fund and Nippon small and multi-cap, as these categories can be volatile.
Rebalancing your portfolio periodically to ensure alignment with your goals and risk tolerance.
Remember, while it's essential to stay invested for the long term, regular reviews and adjustments can help optimize your returns and keep your portfolio aligned with your financial goals. Consult with a financial advisor for personalized advice tailored to your needs.

..Read more

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Anu

Anu Krishna  |1435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 09, 2025
Relationship
Hello Anu, the wife of my best friend is frustrated in her marriage and is having an affair with a colleague. She confided about it to me a few months ago. I presumed it was because she wanted to unburden herself a bit. She said my friend had a self esteem issue and got very toxic at times. Also that their sex life was non existent & he doesn't want to do anything about it. Hence the affair. I told her that cheating on my friend was still unfair & that it would be better to separate and go their own ways and then start afresh but also assured her I would not divulge this to my friend as no third person can be the judge & it is only for her to come clean whenever. After the first few discussions, we have been chatting on and off but of late she has been sharing some intimate details of her affair including how the colleague who is also married, seduced her and what all they do when they are together. I find this very weird and am starting to wonder if there are subtle hints that she is interesed in me. Should I divulge all this to my friend at all at some point in time?? I think they need to divorce.
Ans: Dear Anonymous,
Kindly move far away from her and this situation. You cannot become the stop-gap or band-aid for the lady's marital discord. Someone who has begun to discuss their intimate moments with an outsider, needs a hard check on themselves. If she isn't able to sort out her issues and is now directing her attention onto you, it can be for your attention and validation. It's not a great space for you to be in as nothing you do will ever be enough and to top all that, imagine what it can do your friend...
So, stay away...safer...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 08, 2025Hindi
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Relationship
My parents come from struggling families and have given us best of whatever they could afford. My mother prefers my youngest brother over us her two elder daughters and she does this very vividly since childhood. My elder sister is very vocal about all these issues and but is very rude and weird. She uses swear words and verbal abuses to parents and takes extreme steps which highlights her in wrong light in front of whole family. Even I used to think that she is ill mannered and selfish that is why she behaving in such manner. Now I am also going through that phase. I will share one instance. I have got my phd thesis review and I have to submit them ASAP. My parents almost dragged me from my husbands house stating to everyone that my 8 month old baby needs sunlight exposure and i need time for addressing my review. But I have been here for more than a week, both my parents are super busy with their own routine. Though they are retired but they have adapted to fill their day. They are very rigid with their schedule. And after coming here I seem to be the extra burden on them. They don't give us time except few moments here and there. I was busy there and i am busy here taking care of my baby, no time for my work. I am frustrated now as I cannot leave suddenly. It would reflect very bad in front of everyone. But i am realizing what my elder sister went through. My mother does not cook for me. My brother came for two days. She cooked all three meals FoR him. She left me And cornered me very silently. I don't want to fight or yell. But i am shocked, sad, frustrated as I am still breastfeeding my baby. I am already super busy with him. I get to eat around 3 or 4 in the evening. I dont want to share with people around as it will malign my parents image. i am troubled because almost all of my energy is going in controlling myself from bursting in tears or stopping myself from screaming or yelling at my parents. or from leaving this place in anger. i want to utilise my energy in a better manner. kindly help How to tackle this situation.
Ans: Dear Anonymous,
Go back to your home with your baby and literally 'mind your own business'. I say this only because you seem to be spending time with things that don;t need your time. For instance: your breast=fed baby needs you more than what you parents did or did not do thinking, right?
Bring your attention to what is at hand and right now to keep your emotional sanity intact, I would suggest that you take some time-off of your parents, go back to your home and experience the joys of motherhood. That's utilizing your energy in a better manner. Makes sense?

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

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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