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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 06, 2022

Mutual Fund Expert... more
Rahul Question by Rahul on May 06, 2022Hindi
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I have SIPs in following funds. Please let me know if I need to do any change in investment. Investment horizon is 8-10 years for a corpus of Rs 30 lakh.

Axis Long Term Equity Fund Direct (G) -- Rs 4,000
SBI Focussed Equity Direct (G) -- Rs 4,000
HDFC Short Term Debt Fund -- Rs 4,000

Ans: These are good funds in their categories, ie ELSS, focused and short duration debt fund.

If the objective is growth and corpus creation, debt fund can be substituted with equity fund -- ie DSP Quant will be suitable.

 

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  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2024

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Hi, I am 49 Yr old having below SIP's presently. These are more than 5Yr old and in continuation. Pls advise if there is any change require. 1. Quantum Equity Fund of Funds-5K 2.ICICI Pru Technology Fund-5K 3.ICICI Pru Bluechip Fund-10K 4.Quantum Long term Equity Fund-7K 5.Nippon India Mutlicap Fund -4K 6.Birlasunlife Frontline Equity Fund-5K 7. Mirae Asset Emerging Bluechip Fund- 5K 8. SBI Bluechip Fuind-2.5K 9. SBI Magnum Midcap fund-2.5K 10. ICICI Pru Value Discovery Fund-5K Thanks Mahesh
Ans: It's great that you've been consistent with your SIPs over the years. However, it's always a good idea to review your portfolio periodically to ensure it aligns with your current financial goals and market conditions. Here are some suggestions:

Diversification: Ensure your portfolio is well-diversified across different asset classes and investment styles to mitigate risk. Consider adding exposure to debt or international funds if your portfolio is predominantly equity-focused.

Performance review: Evaluate the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or doesn't meet your expectations, consider replacing it with a better-performing alternative.

Cost analysis: Assess the expense ratios of your funds and compare them with similar funds in the market. Lower expense ratios can enhance your returns over the long term.

Risk tolerance: Reassess your risk tolerance and adjust your portfolio accordingly. As you approach retirement age, you may want to gradually shift towards more conservative investments to preserve capital.

Consult a financial advisor: Consider seeking professional advice from a financial advisor who can provide personalized recommendations based on your specific financial situation and goals.

By periodically reviewing and adjusting your SIP portfolio, you can ensure that it remains optimized for your financial objectives and market conditions.

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 13, 2024

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Hello Team, I am investing via SIP in axis Small cap 1000 pm, axis bluechip fund direct paln growth 1500pm, Mirae Asset aggreasive fund 1000pm, parag parikh flexi cap 1000pm, canara small cap 2000pm, quant small cap 2.5k pm, PGIM india midcap 1000pm. Please review my funds. Should i need any changes in my SIPs. My view is for 15 years. I am investing since 2019..
Ans: You've built a diversified portfolio covering different market segments, which is a good strategy for long-term growth. Here's a quick review:

Axis Small Cap & Canara Small Cap: You have exposure to small-cap funds which can offer higher growth potential but come with higher volatility. Given your 15-year horizon, these can be suitable, but be prepared for fluctuations.

Axis Bluechip & Mirae Asset Aggressive Fund: These funds provide stability with large-cap and well-diversified equity exposure. They can act as a counterbalance to the volatility of small and mid-cap funds.

Parag Parikh Flexi Cap: A flexible fund that invests across market caps and can provide consistent returns. It offers international diversification which can be beneficial.

Quant Small Cap & PGIM India Midcap: These funds further increase your exposure to mid and small-cap segments. Ensure you're comfortable with the higher risk associated with these categories.

Given your portfolio, it seems well-balanced for long-term growth. However, consider the following suggestions:

Review Fund Performance: Regularly check the performance of your funds against their benchmarks and peers.

Risk Assessment: Ensure you're comfortable with the risk levels, especially with higher allocations to small and mid-cap funds.

Asset Allocation: As you progress, you might want to rebalance your portfolio to maintain desired asset allocation.

New SIPs: Consider adding a large-cap or a diversified equity fund to further diversify your portfolio and reduce risk.

Remember, while these are general guidelines, personal financial planning should be tailored to your specific goals, risk tolerance, and financial situation. It's always advisable to consult with a financial advisor for a comprehensive review and advice tailored to your needs.

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 14, 2024

Asked by Anonymous - Aug 12, 2024Hindi
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Hi Sir Kindly suggest for any modification if required as per my current investments in SIP. Currently I am investing 2.5k in each funds in below mentioned SIP. 1. Axis focused fund regular growth 2.Invesco Small cap Regular 3.Canara Robeco Small cap Regular 4.Mirae asset large cap Regular growth 5.Nippon India index fund Nifty 5. Parat parikh flexi cap fund
Ans: You're investing Rs 2.5k in six different SIPs. These funds cover a mix of large-cap, small-cap, focused, and flexi-cap categories. This diversified approach is a good starting point for balancing risk and returns. However, it's essential to assess each fund's role in your portfolio.

Fund Categorization and Allocation

Large-Cap Funds:

Large-cap funds offer stability. They focus on established companies with strong market presence.
Small-Cap Funds:

Small-cap funds provide growth potential but carry higher risk. These funds invest in emerging companies that may not be as stable.
Focused and Flexi-Cap Funds:

Focused funds invest in a limited number of stocks. This approach allows concentrated growth but with increased risk.
Flexi-cap funds provide flexibility by investing across market caps. This diversification can reduce risk.
Index Fund Consideration

You've included an index fund in your portfolio. While index funds have low management fees, they also lack the potential for outperforming the market. Actively managed funds, on the other hand, can provide higher returns, especially in volatile markets. A Certified Financial Planner can help identify funds that might outperform the index, offering better growth opportunities.

Benefits of Regular Funds Over Direct Funds

Regular funds come with the advantage of professional guidance. A Certified Financial Planner can help tailor your investments to your goals. Direct funds might save on commissions, but without expert advice, the risk of underperformance increases. The expertise of a CFP ensures your portfolio is aligned with your financial objectives.

Diversification and Risk Management

Your current portfolio is diversified across various fund categories, which helps spread risk. However, too much overlap in fund types, like small-cap funds, can increase risk unnecessarily. It's crucial to maintain a balanced allocation that aligns with your risk tolerance and financial goals.

Investment Horizon and Goals

Understanding your investment horizon is key. If you're investing for long-term goals like retirement, a mix of equity-oriented funds is suitable. For medium-term goals, consider reducing exposure to high-risk funds and adding more balanced or debt funds.

Final Insights

Review Overlap: Evaluate the overlap in your small-cap funds. Diversify across other categories for better balance.

Reconsider Index Fund: Actively managed funds may provide better growth potential. A CFP can guide you in selecting suitable alternatives.

Seek Professional Guidance: The benefits of regular funds, with expert advice, outweigh the savings from direct funds. A Certified Financial Planner can help maximize returns and manage risk.

Adjust for Goals: Align your portfolio with your financial goals. Adjust your fund allocation based on your investment horizon and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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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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