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Ramalingam Kalirajan |2636 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 08, 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 - May 08, 2024Hindi

Money

Slight change in my previous question.Nippon India growth investment is 8000.previous wrongly posted as 80000

Ans: thanks for the clarification. With a monthly investment of 8,000 rupees in Nippon India Growth Fund, you're taking a step towards building your wealth through mutual funds. It's a sound strategy to invest regularly over time to benefit from the power of compounding.

Nippon India Growth Fund is known for its focus on investing in growth-oriented companies with strong fundamentals and potential for long-term capital appreciation. As with any mutual fund investment, it's essential to review the fund's performance, track record, and investment strategy periodically.

Asked on - May 09, 2024 | Answered on May 09, 2024

Thanks alot sir for the advise and suggestions

Ans: Welcome :)

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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I hope you are doing well. I am not sure whether my invest is in the correct fund or not. So kindly request you to verify and let me know if there is any change required. My investments per month, is as below: 1. Edelweiss Large & Midcap Index fund direct growth - 2k 2. ICICI Prudential Midcap 150 Index fund direct growth - 2k 3. Axis Nifty Smallcap 50 Index fund direct growth - 2k 4. Parag Parikh Flexi cap fund direct growth - 2k

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Question by Bharathi - Jun 11, 2023Hindi

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Sir iam 40yrs. I have investment in 1. Parag Parikh flexi cap 2 mirae asset emarging blue chip 3. UTI nifty 50 index 4. Nippon small cap 5 Axis small cap 6 Axis midcap 7 Nippon India Multi Asset fund. would like to ask are there any changes required

Ans: Hello Bharathi. Your portfolio report sounds good and well chosen. No modification is required.

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Asked by Anonymous - Nov 22, 2023Hindi

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Regarding my previous post dated 21Nov.2023 i forgot to add 5637 units in UTI RBP current market value2.24 lac investment will remain for 25 years in my daughter ' s portfolios.

Ans: Including the 5637 units in UTI RBP valued at 2.24 lac, your daughter's investment for 25 years strengthens her portfolio. Regularly monitoring and adjusting based on performance and financial goals will further optimize the investment for her future.

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Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Apr 13, 2024Hindi

Money

Nippon small cap 2k Quant small cap 1k Tata small cap 1k Sbi small cap 2k Quant mid cap 3k Sbi magnam mid cap 2k Sbi contra fund 3k Parag Parikh flexi cap 2k 23 years sip plan h Koi change krna hoga in portfolio me

Ans: Let's analyze your current SIP portfolio and suggest potential improvements:

Current Portfolio Breakdown:

Small-Cap Focus: A significant portion (?8,000) is allocated to small-cap funds. While they offer higher growth potential, they also come with higher risk.

Multiple Mid-Cap Funds: Having two mid-cap funds (Quant Mid-cap and SBI Magnum Mid-cap) might have some overlap in holdings.

Actively Managed Funds: All your chosen funds are actively managed, which means experienced fund managers pick stocks. Actively managed funds come with higher fees compared to passively managed funds.

Potential Areas for Improvement:

Diversification: Consider adding a large-cap fund for stability and to balance your overall risk profile.

Reduce Overlap: Consolidate your mid-cap allocation by potentially choosing just one well-diversified mid-cap fund.

Review Actively Managed vs. Passively Managed: Research both actively managed and passively managed funds (like index funds) to understand their fee structures and risk-return profiles.

Here's a Suggestion (but consult a CFP for a personalized plan):

Large-Cap (20%): Invest in a diversified large-cap fund for stability.

Mid-Cap (20%): Choose one well-diversified mid-cap fund.

Small-Cap (30%): Reduce your small-cap allocation slightly to manage risk.

Flexi-Cap (30%): Consider a Flexi-cap fund that invests across market capitalizations, offering flexibility and diversification.

Remember:

Risk Tolerance: This is just a suggestion. Adjust the allocation based on your risk tolerance and investment goals.

Professional Guidance: A Certified Financial Planner (CFP) can analyze your risk profile, financial goals, and existing investments to create a personalized SIP plan.

By potentially diversifying and considering both actively managed and passively managed options, you can work towards a well-rounded portfolio!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Question by CHANDRASHEKHAR - May 14, 2024Hindi

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Which Mutual Fund can give me good monthly income to meet home needs

Ans: Hello, depending on your age , corpus , active income and duration of the investment the above question can be answered
If you have active then you don't need any cashflows from mutual funds, but if you don't have any active income then the thumb rule for SWP can be 4-6% of the corpus. If you maintain this with a balanced portfolio, your portfolio will give you good results over a period of 10-15-20yrs

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Requirement - 2 crore Time - 30 years Risk - Moderate Sir based on above requirements please suggest - 1. How much amount of SIP do I need to done 2. In which fund I need to invest to get the required amount.

Ans: In order to get to 2crs your sip amount has to be Rs.5800 for the next 30yrs
Risk in equity markets is the volatility that you see in the short term, due to the longer duration of your investment that risk gets mitigated
The funds that you can select are as follows :
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First of all congratulations, you are blessed, you are going to be a mother, celebrate the fact!!
Now to understand what is happening to your body, it is transforming on so many levels to support you and the growing life within you, accept the fact and cherish the fact, allow the whole world to take care of you!!
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I have completed my B.E in Mechanical in 2021. But jobless till now due to many factors such as following: 1)Due to family issues 2)Low Salary packages inspite of longer distance travelling to office 3) Slow growth in the establishment 4) preparing for govt jobs No I am fed up with all above things... What to do ?

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Syed, you are asking me what to do, here are my suggestions-
1. have clear goals with respect to your job
2. you have listed so may reasons for not taking up a job, now find a few reasons to take a job - your self respect, your own money to spend are some I can think of
3. it's very easy to quit a job, find reasons to stay
4. invest in your physical and mental well being, a clam and collected mind will take better decisions
5. I really won't say slow growth in an organisation, if I had finished engineering in 2021 and it is middle of 2024 now
6. preparing for Govt Jobs is a good idea, look into doing this thing well if you are really serious about it
7. give your 100% in everything you do Syed!! Let there be energy, enthusiasm and excitement in your search for a job, it's your life, take charge of it and see how you want it to unfold. Do all that which is in your control
8.you get fed up when you don't see progress and not celebrate your wins however small they may be! Every step you take towards your goal, pat yourself on the back, be your greatest cheer leader
9.do not compare yourself with others, compare only if you feel inspired
10. focus on your well being and happiness
11. take up a job and do well there, it is better to do a job than to sit idle or
12. look to upskill in an area you want to work, look for job oriented courses
13. seek help if need be

All the very best!!

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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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