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Samraat Jadhav |2208 Answers |Ask -Follow

Stock Market Expert - Answered on May 30, 2024

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 RITESH on May 30, 2024Hindi

Money

SIP is 50,000 per month. I would like to you to review the stocks and provide your guidance. Thanks.

Ans: you have amazing timeline with you and these all stocks looks good, keep the good going but use discipline and invest every month at any cost. dont look at the price of the stock but keep investing. the wealth would be awsome for your daughter. best of luck.

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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Head, Rank MF - Answered on Nov 06, 2020

Question by Mehul - Nov 06, 2020Hindi

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I have been investing in following funds through sip plz advice.

1) canara robeco emerging equities, regular growth: Please continue

2) nippon india equity hybrid fund, growth plan, growth option: Better option available Canara Robeco Equity Hybrid Fund Regular Growth

3) sbi small cap fund growth: Please continue

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5) axis focused 25 fund growth plan: Please continue

6) Nippon India US Equity Opportunities Fund – Growth: Please continue

7) hdfc small cap fund regular growth plan: Better option available Axis Small Cap Fund - Regular Plan Growth

8) Franklin India Feeder - Franklin U.S. Opportunities Fund – Growth: Please continue

Lumpsum investment in following liquid fund

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Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on May 18, 2023

Question by Dinesh - May 01, 2023Hindi

Money

I interested to invest by SIP in high divedend paying stock. wich are the best ?

Ans: rather buy a high dividend yield mutual fund. do a SIP and enjoy good dividends

Disclaimer: Views expressed here are for your understanding and analysis. pl speak to your financial advisor before taking any decision.

Ramalingam Kalirajan |7981 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 25, 2024

Asked by Anonymous - May 25, 2024Hindi

Money

Best SIP, im planning to invest 3k every month

Ans: Investing Rs 3,000 every month through a Systematic Investment Plan (SIP) is a smart and disciplined approach. It helps build wealth over time with manageable, regular contributions. SIPs offer the advantage of rupee cost averaging and the power of compounding.

Benefits of Investing in SIPs
Rupee Cost Averaging
Market Volatility: SIPs invest a fixed amount regularly, averaging out the cost of purchase over time.

Consistent Investment: Regular investments irrespective of market conditions help reduce the impact of market volatility.

Power of Compounding
Growth Over Time: Reinvested earnings generate more earnings, helping your investment grow exponentially over time.

Long-Term Benefits: Starting early and staying invested for the long term maximizes the benefits of compounding.

Types of Mutual Funds for SIPs
Actively Managed Equity Funds
Actively managed equity funds aim to outperform the market. Professional fund managers select stocks based on research and analysis.

Advantages:

Potential for Higher Returns: These funds aim for higher returns compared to index funds.

Professional Management: Fund managers adjust portfolios based on market conditions and opportunities.

Disadvantages:

Higher Fees: Actively managed funds typically have higher management fees.

Market Risk: Returns are subject to market performance and fund manager decisions.

Balanced or Hybrid Funds
Balanced funds invest in both equities and debt instruments. They offer a mix of growth and stability.

Advantages:

Risk Diversification: By investing in both equity and debt, these funds reduce risk.

Stable Returns: Provide relatively stable returns with lower volatility compared to pure equity funds.

Disadvantages:

Moderate Returns: Returns may be lower compared to pure equity funds.

Management Fees: Still subject to management fees, though typically lower than equity funds.

Debt Funds
Debt funds invest in fixed-income securities like bonds, treasury bills, and other debt instruments. They are suitable for conservative investors.

Advantages:

Lower Risk: Debt funds are less volatile compared to equity funds.

Regular Income: Suitable for generating regular income with lower risk.

Disadvantages:

Lower Returns: Generally offer lower returns compared to equity funds.

Interest Rate Risk: Returns can be affected by changes in interest rates.

Criteria for Selecting the Best SIP
Fund Performance
Historical Returns: Look at the fund’s historical performance over 3, 5, and 10 years.

Consistency: Choose funds that consistently perform well across different market cycles.

Fund Manager’s Experience
Expertise: Experienced fund managers bring valuable insights and strategies.

Track Record: Check the track record of the fund manager in delivering consistent returns.

Expense Ratio
Lower Costs: Funds with lower expense ratios provide better net returns to investors.

Transparency: Ensure the fund’s expenses are justified by its performance.

Fund Size
Optimal Size: Choose funds with an optimal size; too large or too small can affect performance.

Liquidity: Ensure the fund has enough liquidity to meet redemptions without impacting performance.

Recommended Investment Strategy
Diversified Portfolio
Equity Allocation: Allocate a significant portion to equity funds for growth.

Debt Allocation: Include debt funds for stability and risk management.

Balanced Funds: Consider balanced funds for a mix of growth and stability.

Regular Review and Rebalancing
Monitor Performance: Regularly review your SIP investments to ensure they are performing as expected.

Rebalance: Adjust your portfolio periodically to maintain your desired asset allocation.

Conclusion
Investing Rs 3,000 monthly through SIPs is a commendable strategy for building wealth. Focus on actively managed funds for potentially higher returns. Diversify your investments across equity, debt, and balanced funds. Regularly review and rebalance your portfolio to stay on track with your financial goals.

Thank you for seeking my guidance. Your commitment to disciplined investing is admirable. Feel free to reach out for further personalized advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7981 Answers |Ask -Follow

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

Question by Bukuri - Sep 23, 2024Hindi

Money

your decision to invest in SIPs for both your short-term and long-term goals is a wise one. can please suggest me financial advisor for personalized guidance.( what's the fees for that.

Ans: It's great to hear that you're considering SIPs for both your short-term and long-term goals. SIPs provide disciplined investment and can offer the growth needed for various financial objectives.

For personalized guidance, I suggest you seek the help of a professional Mutual Fund Distributor (MFD) who holds Certified Financial Planner (CFP) credentials. They will provide customized advice based on your specific needs, financial goals, and risk appetite.

I can also offer you personalized guidance to help you achieve your financial goals. For more details, please check the information provided on my website below.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Latest Questions

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Question by Aruna - Feb 17, 2025Hindi

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can i open zerodha account , with out aadhar car being oci of us

Ans: I am not the right person to answer this, its better you connect with Zerodha customer care

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Question by jitendra - Feb 16, 2025Hindi

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WHY INDIAN RUPEE GOING DOWN when indian rupee will reverse and will go upwards from which month in 2025

Ans: The Indian Rupee has been depreciating due to several factors, including global economic uncertainties, trade imbalances, and monetary policy decisions. Some of the key reasons include:
Global Economic Uncertainties: Geopolitical tensions and fluctuating oil prices have created instability in international markets.
Trade Imbalances: India's trade deficit, where imports exceed exports, puts pressure on the Rupee.

As for when the Rupee might reverse and start appreciating, it's challenging to predict exact timelines due to the dynamic nature of these factors. However, some forecasts suggest that the Rupee might stabilize and potentially appreciate later in 2025, depending on global economic conditions and RBI's interventions.

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Stock Market Expert - Answered on Feb 17, 2025

Asked by Anonymous - Feb 16, 2025Hindi

Money

Hello. I have a SIP of Rs 1,50,000 per month across large, flexi, mid and small caps. how much would the value be if I continue the same for 4 years

Ans: if you continue with your SIP of Rs 1,50,000 per month for 4 years considering an annual return of 12%, the future value of your investment would be approximately Rs 91,22,773.32. Happy investing!

Nayagam P P |4105 Answers |Ask -Follow

Career Counsellor - Answered on Feb 17, 2025

Question by Aditi - Feb 16, 2025Hindi

Career

Sir I got 58.75 percentage in class 12 and I want to take admission in engeneering collage but I heared that most of the company need 60 % in class 12 and I can not apply to that company so should I repeat the class 12 board

Ans: Aditi, If you scored 58.75% in Class 12 and are concerned about the 60% requirement for some companies, repeating Class 12 may not be necessary. Many engineering colleges (NOT all) prioritize entrance exam scores over Class 12 marks for admission. However, note that some engineering entrance exams, like JEE, require a minimum of 75% in Class 12.

While some companies set a 60% minimum for placements, most focus more on skills and performance during your engineering studies. If you're determined to improve your marks, repeating Class 12 is an option. However, excelling in entrance exams and your engineering course might be a more effective way to achieve success. All the Best for your Prosperous Future.

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Nayagam P P |4105 Answers |Ask -Follow

Career Counsellor - Answered on Feb 17, 2025

Asked by Anonymous - Feb 16, 2025Hindi

Career

Sir, my son got very less 48 percentile in JEE mains Jan attempt. He is very demotivated. Though he is determined for APR attempt. Need your suggestion what should we do in this situation

Ans: It's natural to feel low, but the key is to stay positive and focused. Many students improve in the second attempt with the right approach. Your son should identify weak areas from the January attempt and work on them. Focus on high-weightage topics, revise concepts, and practice previous year papers. He should take regular mock tests in exam-like conditions. He can use online lectures, crash courses, or coaching if needed. He should also ensure proper sleep, short breaks, and a stress-free mindset.With determination and a structured approach, he can achieve a much better score in April! One important suggestion: Please have Plan B & Plan C as back-ups instead of relying only on JEE by appearing for other (5-7) Entrance Exams and / or participating in counselling process of the colleges accepting JEE Score in your State. All the Best for your Son's Prosperous Future.

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Ramalingam Kalirajan |7981 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

Question by sasprings - Feb 17, 2025Hindi

Money

Dear sir ,I am paying home loan EMI of 18000 per month ,and 5600 for LIC and 2700 for term life insurance. 5300 is deducting every month from my salary for NPS .I have health insurance also .After all my deductions and expenses, I am saving 20000 rupees. I have a daughter of 6 months old. I want to invest that amount for my daughter's education and marriage expenses. Please suggest me where to invest 20000 amount per month 1) Should I invest in sukanya Yojana scheme or mutual funds 2) please suggest where to invest my savings.

Ans: Since you have a stable monthly saving of Rs 20,000 after all expenses, your focus should be on long-term wealth creation.

Your daughter’s education and marriage expenses are long-term goals, so you need growth-oriented investments.

Review of Your Current Financial Position
Home Loan EMI: Rs 18,000 per month.
LIC Premium: Rs 5,600 per month.
Term Life Insurance: Rs 2,700 per month.
NPS Deduction: Rs 5,300 per month.
Health Insurance: Already covered.
Savings Available for Investment: Rs 20,000 per month.
Daughter’s Age: 6 months.
Since your daughter’s higher education is at least 15-18 years away, you can take advantage of long-term compounding.

Comparison: Sukanya Samriddhi Yojana vs. Mutual Funds
1. Sukanya Samriddhi Yojana (SSY)
Provides tax-free returns but with a fixed interest rate.
Lock-in until your daughter turns 21 years old.
Interest rates fluctuate yearly and may not beat inflation.
Best for stable returns but not high growth.
2. Equity Mutual Funds
Offers higher returns over long periods.
You can start SIP of Rs 20,000 per month in a diversified mix.
Highly liquid compared to SSY.
Flexibility to withdraw partially if needed.
Best Strategy for Investing Rs 20,000 Per Month
A balanced approach between mutual funds and Sukanya Samriddhi Yojana is ideal.

1. Equity Mutual Funds (70%) – Rs 14,000 per month
Invest for long-term wealth creation.
Actively managed funds perform better than index funds in India.
Split into large-cap, flexi-cap, and mid-cap funds.
Investing through MFD with CFP credentials ensures proper selection.
2. Sukanya Samriddhi Yojana (20%) – Rs 4,000 per month
This ensures safe and tax-free returns.
Ideal for conservative investment portion.
SSY deposits can be made until your daughter turns 15.
3. Gold & International Funds (10%) – Rs 2,000 per month
Gold protects against inflation and currency fluctuations.
International funds add global diversification to your portfolio.
Helps balance risks in an unpredictable market.
Final Insights
Avoid investing all your money in SSY since returns are low.
Mutual funds provide higher growth for long-term needs.
Diversify into gold and international funds for additional security.
Review and rebalance your portfolio every 6 months.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7981 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

Question by Krishna - Feb 16, 2025Hindi

Money

Hi. Recently I sold my house in my hometown for 60L and invested the proceeds (36L) over HL (24L) in a residential plot. Since the EMI I used to pay is freed up. I would like to invest it with an exposure to real estate. EMI was 25K, since I won't be getting income tax rebate, available fund per month would be 20K. Please help me choose an investment strategy. Thanks

Ans: Since real estate is already a part of your portfolio, you should focus on a diversified investment plan.

Review of Your Current Position
You sold your house for Rs 60 lakh.

After clearing Rs 24 lakh home loan, you reinvested Rs 36 lakh in a residential plot.

Your home loan EMI of Rs 25,000 is now free, but the post-tax benefit amount is Rs 20,000 per month.

You want investment exposure to real estate, but diversification is key.

Challenges with Further Real Estate Investment
Real estate is illiquid. Selling property takes time.

Rental yields in India are low, around 2-3% annually.

It requires high capital investment and additional maintenance costs.

Regulatory and legal issues may impact investment returns.

Alternative Investment Plan
A better approach is to invest in financial assets with a well-structured allocation.

1. Equity Mutual Funds (60%)
Rs 12,000 per month in equity funds for long-term growth.

Flexi-cap, mid-cap, and large-cap funds can provide strong returns.

Actively managed funds outperform index funds in volatile markets.

Investing via an MFD with CFP credentials ensures professional fund selection.

2. Debt Mutual Funds (20%)
Rs 4,000 per month in debt funds for stability.

Debt funds provide better liquidity than real estate.

Returns are higher than fixed deposits over the long term.

Taxation is as per your income slab, so it should be monitored.

3. Gold and International Funds (10%)
Rs 2,000 per month in gold or international funds.

Gold protects against inflation and economic uncertainty.

International funds give exposure to global markets for additional growth.

4. Emergency Fund & Liquidity (10%)
Rs 2,000 per month into liquid funds or short-term debt funds.

This will act as a safety net for unforeseen expenses.

Having a buffer prevents the need to sell long-term investments during emergencies.

Final Insights
Avoid further real estate investments due to liquidity issues.

A structured SIP approach in mutual funds will generate better returns.

Ensure diversification across equity, debt, and gold.

Review your portfolio every 6 months and rebalance if needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7981 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

Question by Rupam - Feb 16, 2025Hindi

Money

I take retirement just a month ago, m 41 year old . I have 66 lks in fd, 21 lks in post office scheme, 14 lks in ncd, 10 lks in ppf, last 11 years doing sip 5.5k/month till now , value now 22lks, will continue this same amount of sip another 19years. Staying in my own home, 0 debt . 1 child age 9 (for child savings 4lks in ssy, will continue to invest 5k/yr in ssy till her age reached 17). Having mediclaim of 5lks.Suggest me for my rest of life wealth management and retirement life

Ans: You have managed your finances well. Your financial discipline is impressive. Now, let's structure a plan for your long-term security.

Current Financial Overview
You have retired at 41 and own a house.
Your assets include FDs, post office schemes, NCDs, PPF, and mutual funds.
Your SIPs have grown well, and you will continue them.
Your child’s education and marriage are key future goals.
You have Rs 5 lakh mediclaim.
Investment Strategy for Retirement
Optimising Fixed Deposits and Post Office Schemes
FDs and post office schemes give stable returns but may not beat inflation.
Consider moving part of these funds into better long-term investment options.
Keep emergency funds in safe and liquid instruments.
Enhancing Mutual Fund Investments
Your SIP of Rs 5.5k/month has grown well over 11 years.
Continuing for 19 more years will create a solid retirement corpus.
Increasing SIPs over time will help manage inflation.
Long-Term Growth with Balanced Allocation
Equity exposure must be higher for wealth growth.
Debt investments ensure safety and stability.
A mix of both will provide the right balance.
Child’s Future Planning
Education and Marriage Fund
Your SSY investment is a good step.
Consider supplementing it with a separate mutual fund investment.
Ensure funds are available when needed.
Medical and Emergency Planning
Your Rs 5 lakh mediclaim may be insufficient for future needs.
Consider increasing your health insurance coverage.
Keep an emergency fund to cover sudden expenses.
Final Insights
Shift part of FDs and post office funds to better options.
Increase SIP contributions when possible.
Ensure tax-efficient withdrawals post-retirement.
Monitor investments regularly and rebalance if needed.
Maintain adequate health and emergency funds.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7981 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

Asked by Anonymous - Feb 16, 2025Hindi

Money

I am investing 6lakhs annually in SBI smart privilege since 2023, the value of which is 15lakhs now. I had invested in tata retirement mutual fund which is now at 7.5lakh-it was a 15k monthly investment.i want a corpus of 10crore in the next 15 years. What should be my strategy

Ans: Your goal of Rs 10 crore in 15 years is ambitious but achievable with the right strategy. Below is a structured approach to help you optimize your investments.

Review of Current Investments
You are investing Rs 6 lakh annually in an insurance-based investment plan.

You have also invested in a retirement-focused mutual fund, now valued at Rs 7.5 lakh.

These investments may not be the most efficient for high long-term growth.

Issues with SBI Smart Privilege Plan
Insurance-based investments often have high charges and lower returns.

Lock-in periods and surrender charges make them less flexible.

Switching to a mutual fund-based approach may be more effective.

Action Plan for SBI Smart Privilege Plan
Check the surrender value and exit charges.

If charges are reasonable, consider shifting to equity mutual funds.

A well-diversified portfolio can deliver higher long-term growth.

Optimizing Your Mutual Fund Portfolio
The retirement fund may have a conservative asset allocation.

You need funds with higher equity exposure for long-term wealth creation.

Diversify across flexi-cap, large-cap, mid-cap, and sectoral funds.

Required Monthly Investment for Rs 10 Crore
To reach Rs 10 crore in 15 years, a structured SIP approach is required.

Increasing SIP contributions over time is essential.

Lump sum investments during market corrections can boost returns.

Strategic Asset Allocation
70-80% in equity mutual funds for long-term growth.

10-15% in debt funds for stability and risk management.

5-10% in gold or international funds for diversification.

Tax-Efficient Investment Approach
Equity funds are more tax-efficient than insurance-based plans.

Long-term capital gains above Rs 1.25 lakh are taxed at 12.5%.

Debt fund gains are taxed as per your income slab.

Final Insights
Review and possibly exit the SBI Smart Privilege Plan.

Shift focus to equity mutual funds for better growth.

Maintain a disciplined SIP approach and increase investments over time.

Diversify investments for better risk management.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7981 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

Question by Manoj - Feb 15, 2025Hindi

Money

I need a good financial planning for my retirement at 58-60, salary is 1.9 lakhs ,inthis 21k carloan for another 2.5 yrs, 35k in SIP,50k monthly expenses, rent 19k , have own house in native. Have FD 65 lakhs sbi, fd in sriram 13 lakhs, in motilal oswal IAP of 10 lakhs, invested in hdfc sanchay lus for 1 lakh another 5 years to get guaranteed 1 lakh after 6 yrs , and another guaranteed plan of 60 k from next year ( both I will get for another 25 years) , sbi MF 10 lakhs ,ulip matured running for another 10 years 8 lakhs, Daughter's marriage plan after 5 yrs and son in btech from this year. Pls adv.

Ans: You have built a solid financial foundation. Now, let’s structure your retirement plan effectively.

Current Financial Overview
Your income is Rs 1.9 lakhs per month.
Major expenses: Rs 50k household, Rs 19k rent, Rs 21k car loan (for 2.5 years).
You invest Rs 35k monthly in SIPs.
Significant assets include FDs, mutual funds, insurance, and guaranteed plans.
Retirement Planning Strategy
Optimising Investments
Your SIPs are well-structured. Consider increasing them once the car loan is over.
FDs provide safety but lower returns. You may shift part of them to better options.
Guaranteed plans provide fixed income but might not beat inflation.
Your mutual fund holdings should be diversified across equity and debt.
Managing Existing Loans
The car loan will be cleared in 2.5 years, increasing monthly savings.
Avoid taking new loans close to retirement.
Wealth Growth for Retirement
Your guaranteed plans will provide Rs 1.6 lakh per year post-retirement.
SIPs and mutual fund investments should focus on long-term wealth creation.
Debt allocation should increase as you approach retirement.
Child’s Education and Marriage Planning
Your son’s B.Tech expenses should be planned using FDs and low-risk funds.
Your daughter’s marriage in 5 years requires liquidity planning. Part of your FDs can be allocated here.
Final Insights
Increase SIPs once your loan is cleared.
Balance safety and returns by adjusting your asset allocation.
Ensure your guaranteed plans do not restrict liquidity.
Keep emergency funds accessible for unforeseen needs.
Plan tax-efficient withdrawals post-retirement.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

See more questions »

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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