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Advait

Advait Arora  | Answer  |Ask -

Financial Planner - Answered on Jun 23, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more
mohan Question by mohan on Apr 21, 2023Hindi
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Sir If I want to start SIP in shares what will be ideal amount and which shares 3 to 4

Ans: plesae go for market leaders like TCS, INFY, ICICI BANK, HDFC BANK, ASIAN PAINTS, ULTRATECH, DIVIS, HUL, ITC etc
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  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Hi sir, i want to start sip.. This will be my ist investment so what would your suggestion like on which categories should i invest or what should be my breakup.. I want to invest 5000 now then after few months 10k and around 2 year from now 22k
Ans: Starting Your SIP Journey: A Guide to Investing

Congratulations on taking the first step towards investing. Starting a Systematic Investment Plan (SIP) is a wise decision for building wealth over time. Let's break down your investment strategy in a simple and effective manner.

Understanding Your Investment Goals
Before diving into the specifics, it's crucial to understand your financial goals, risk tolerance, and investment horizon. Since you are starting with ?5,000 and planning to increase it to ?10,000 in a few months and ?22,000 in two years, you have a progressive approach.

Suggested Categories for SIP Investment
Large-Cap Mutual Funds
Large-cap funds invest in well-established companies with a stable track record. They provide moderate growth with lower risk compared to mid-cap and small-cap funds. Ideal for new investors, these funds offer stability and consistent returns.

Multi-Cap Mutual Funds
Multi-cap funds invest across companies of different market capitalizations. They offer a balanced approach, providing diversification and the potential for higher returns. This category helps in managing risk while seeking growth.

Balanced Advantage Funds
Balanced advantage funds dynamically adjust the allocation between equity and debt. They aim to provide growth while managing risk effectively. These funds are suitable for beginners as they offer a balanced exposure to both equity and debt.

Debt Mutual Funds
Debt funds invest in fixed-income securities like bonds and government securities. They are less volatile compared to equity funds and provide stable returns. Including debt funds can add a safety net to your portfolio.

Suggested Breakup for ?5,000 SIP
Large-Cap Fund: ?2,000
Multi-Cap Fund: ?1,500
Balanced Advantage Fund: ?1,500
This allocation provides a mix of stability, diversification, and growth.

Suggested Breakup for ?10,000 SIP
As you increase your SIP amount, you can enhance your portfolio diversification:

Large-Cap Fund: ?3,000
Multi-Cap Fund: ?2,500
Balanced Advantage Fund: ?2,500
Debt Fund: ?2,000
Including a debt fund at this stage adds an element of safety and reduces overall portfolio risk.

Suggested Breakup for ?22,000 SIP
When you reach ?22,000 per month, you can further diversify and optimize your portfolio:

Large-Cap Fund: ?6,000
Multi-Cap Fund: ?5,500
Balanced Advantage Fund: ?5,500
Debt Fund: ?3,000
Mid-Cap Fund: ?2,000
Adding a mid-cap fund provides exposure to companies with higher growth potential, albeit with slightly higher risk.

Key Points to Remember
Start Small and Scale Up
Begin with the ?5,000 SIP and gradually increase it. This helps you get comfortable with investing and understand market dynamics.

Regular Review and Rebalancing
Monitor your investments regularly. Rebalance your portfolio at least once a year to maintain the desired asset allocation.

Consult a Certified Financial Planner (CFP)
Seeking advice from a CFP can provide personalized guidance. They can help tailor your investment strategy based on your goals and risk tolerance.

Stay Disciplined and Patient
Investing is a long-term journey. Stay disciplined, avoid emotional decisions, and remain patient. Market fluctuations are normal, and long-term investments usually yield positive results.

Conclusion
Starting your SIP journey with a structured approach will set a strong foundation for your financial future. Diversify your investments across different categories, review regularly, and seek professional advice when needed. Your progressive investment strategy, beginning with ?5,000 and scaling up to ?22,000, will help you build a robust portfolio over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

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

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Sir I want to invest in sip as I am targeting to get 1 cr in 10 years. In which sip should I invest and how much amount monthly
Ans: Congratulations on your commitment to financial planning! Let's embark on a journey to design a strategic investment plan that aligns with your long-term goals.

Assessment of Financial Goals

Understanding your financial aspirations is crucial for devising an effective investment strategy. By comprehensively assessing your goals, risk tolerance, and investment horizon, we can tailor a plan to suit your needs.

Evaluation of Current Financial Situation

Before charting the course ahead, let's evaluate your current financial landscape. This involves analyzing your income, expenses, existing investments, and liabilities to gain a holistic understanding of your financial standing.

Strategic Asset Allocation

Based on your risk appetite and investment horizon, we'll craft a diversified portfolio comprising a mix of asset classes such as equities, debt instruments, and alternative investments. This balanced approach aims to optimize returns while mitigating risks.

Benefits of Actively Managed Funds

Actively managed funds offer several advantages over passive index funds or ETFs. They are overseen by experienced fund managers who actively research and select investments, aiming to outperform the market. This proactive approach can potentially generate higher returns and adapt to changing market conditions.

Risks of Direct Funds vs. Benefits of Regular Funds through MFD with CFP Credential

Investing directly in mutual funds may seem convenient, but it comes with inherent risks such as lack of professional guidance, emotional decision-making, and inadequate diversification. On the other hand, investing through a Certified Financial Planner (CFP) accredited Mutual Fund Distributor (MFD) offers several benefits, including personalized advice, goal-oriented planning, and access to a diversified range of funds tailored to your needs.

Exploring Investment Avenues

With a strategic framework in place, let's explore various investment avenues suited to your goals and risk profile:

Equity Mutual Funds: These funds offer long-term growth potential by investing in a diversified portfolio of stocks across different market segments. They are ideal for investors with a higher risk appetite and a long-term investment horizon.

Debt Mutual Funds: Debt funds provide stability and regular income through investments in fixed-income securities such as government bonds, corporate bonds, and money market instruments. They are suitable for conservative investors seeking capital preservation and steady returns.

Systematic Investment Plans (SIPs): SIPs offer a disciplined approach to investing, allowing you to invest small amounts regularly over time. This systematic investment strategy harnesses the power of compounding and helps in rupee cost averaging, reducing the impact of market volatility.

Conclusion

By adopting a strategic investment approach, leveraging the expertise of a Certified Financial Planner (CFP), and diversifying your portfolio across various asset classes, you can pave the way for long-term financial success and achieve your life goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

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I m 39 yrs old. Want to invest in SIP's. I m getting 45 k in hand. How much amount should I invest in multiple SIP's and suggest which SIP's give return higher side. Nitesh Kumar
Ans: Strategizing SIP Investments for Optimal Returns

Assessing Your Investment Capacity

At 39, prioritizing systematic investment plans (SIPs) is a prudent step towards long-term wealth accumulation. With ?45,000 available for investment, let's devise a strategy tailored to your financial goals and risk appetite.

Determining Allocation

To maximize returns while managing risk, diversifying your SIP investments across multiple funds is advisable. Allocating funds based on your risk tolerance and investment horizon is crucial for achieving optimal results.

Allocation Breakdown:

Equity Funds: Allocate a significant portion, around 70%, to equity-oriented SIPs for their potential to deliver higher returns over the long term. These funds are suitable for investors with a moderate to high-risk tolerance and a long investment horizon.

Debt Funds: Allocate the remaining 30% to debt-oriented SIPs to provide stability and cushion against market volatility. Debt funds are ideal for investors seeking steady income and capital preservation with lower risk.

Selecting SIPs for Higher Returns

While past performance is not indicative of future results, selecting SIPs with a track record of consistent performance and managed by reputable fund houses is essential. Look for funds with a proven track record of delivering competitive returns relative to their benchmark indices and peer group.

Recommendations for Equity SIPs:

Large-cap Equity Funds: These funds invest in established companies with stable earnings and strong fundamentals. Examples include funds that track the Nifty 50 or Sensex indices.

Multi-cap Equity Funds: Offering diversification across market capitalizations, multi-cap funds invest in companies across the growth spectrum, providing exposure to both large and mid-cap segments.

Mid & Small-cap Equity Funds: These funds focus on mid and small-cap companies with high growth potential. While offering the potential for higher returns, they also entail higher risk and volatility.

Recommendations for Debt SIPs:

Short-term Debt Funds: Invest in instruments with shorter maturity periods, offering stability and relatively higher yields compared to traditional fixed deposits.

Liquid Funds: Ideal for short-term investments, liquid funds provide high liquidity and stability with minimal interest rate risk, making them suitable for parking surplus funds.

Conclusion

In summary, allocating your ?45,000 monthly investment across equity and debt-oriented SIPs can help you achieve a balanced portfolio geared towards long-term wealth creation. By selecting SIPs with a consistent track record and aligning them with your risk profile and investment horizon, you can optimize returns while mitigating risk.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 15, 2024Hindi
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Hello Sir, I am 37 year old and planning to start SIP of 10,000 pm. Please advice on how many funds I should distribute the amounts and which fund I need to go for invest. I am going to hold this SIP investment for 10 to 15 years for retirement and children education.
Ans: Embarking on a systematic investment plan (SIP) is a prudent step towards securing your future and your children's education. Let's tailor a strategy that aligns with your objectives.

Understanding Investment Allocation
Diversification is key to mitigating risk and maximizing returns over the long term. Distributing your SIP amount across multiple funds offers a balanced approach to wealth accumulation.

Fund Allocation Recommendations
For a SIP of 10,000 per month, consider allocating funds across two carefully selected categories: Large Cap and Mid Cap.

Large Cap Funds
Investing a significant portion, say 70%, in Large Cap funds provides stability and steady growth. These funds typically invest in established companies with a track record of performance and stability.

Mid Cap Funds
Allocating the remaining 30% to Mid Cap funds introduces an element of growth potential. Mid Cap funds invest in companies with medium market capitalization, offering the opportunity for higher returns over the long term.

Fund Selection Criteria
Opt for actively managed funds with a proven track record of consistent returns and experienced fund managers at the helm. Prioritize funds with low expense ratios and a focus on capital preservation.

Conclusion
By diversifying your SIP across Large Cap and Mid Cap funds, you strike a balance between stability and growth potential, aligning with your long-term goals of retirement and children's education.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in

..Read more

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Hi Madam, I'm 60,retired, my wife is 47, our son is 23. I had love marriage and was leading a happy married life. Just after silver jubilee of our wedding anniversary I accidentally came to know that my wife is madly in love with one of our common married friend who runs a simple shop. Upon investigation I found that they are in relation for last 12 years and were enjoying sex in my own house for such a long time. He hails from an uneducated family and is not even cultured. I could not believe that the wife of a highly educated socially respected man could do this with a shopkeeper who does not have any socio economic status. I am living a normal life with my wife for the sake of our only child. Once he settles in life I have decided to end my life. Ofcourse I still love her as ours was a love marriage. I seek your wise suggestion in this regard, should I divorce her or live a normal life that we are doing?
Ans: Dear Shristi,
It is obviously very shocking for you to know that things have been happening behind your back.
Now, how you want this to move on from here on, is a decision only you must make! Have you had a chat with your wife about the association that she has with the other person? Does she know that you know about it?
If she doesn't, then you need to make her aware and yes, do ask her whether she is interested at all in the marriage. That will give you an idea as to whether things are worth fighting for or is it best to walk away!

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

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Anu Krishna  |1269 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 05, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Hello madam I a 32 year old married man with a kid , who is 6 years old. I have done arrange marriage with my own decision I agreed to my parents for the marrige at that time I was in a casual relationship with a girl I didn't said anything to the girl and get married to someone else. After that I tried to live a happay life with my wife without thinking about the girl whom I left behind, from outside I tried to be happy with my wife but my wife thought doesn't matches with me so I felt so disturbed from inside. Still I was trying to continue the relationship for sake of our child but suddenly I got my ex love contact and I was so happy that after so long time I got a chance to talk to her, I have tried to meet her but she always refused to meet me because she was in a relationship. I tried many times and due to some misconduct I again lost her for the second time. At this moment when she is not with me her thoughts memories are troubling me so much I am in pain, what am I suppose to do to get rid of the pain?? Please help
Ans: Dear Anonymous,
There is no point wanting a 'past' relationship just because you have one...what if that relationship did not exist, you would have possibly made efforts to make your marriage work, right?
Then do just that...DO NOT treat your marriage as an option...which marriage is a perfect one? And are all spouses tailor-made to fit one another?
So, if her thoughts don't match with yours, then even yours don't match with hers...so, should she also think of jumping into some other relationship. Please act mature about this especially with a child in the entire equation; try and understand each other...speak about your differences and find ways of working on them by accepting them. Ex-love etc looks all very nice, but come down to ground reality; please...work on your marriage!

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

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Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 15, 2024Hindi
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I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.
Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

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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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