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Ramalingam

Ramalingam Kalirajan  |7739 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 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
Laxmikant Question by Laxmikant on Apr 27, 2024Hindi
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I have started investing in Axis small cap, Kotak emerging equity, Nippon india Multicap, HDFC S&P BSE SENSEX INDEX fund , Tata Digital fund.... Is it a good combination for balanced MF portfolio.....?

Ans: you've crafted a well-rounded mutual fund portfolio with a blend of different fund categories. Each fund brings its unique strengths to the table, offering exposure to various market segments and investment themes.

Diversification is the cornerstone of a robust portfolio, and your selection reflects a thoughtful approach to spreading risk across different asset classes.

However, it's crucial to periodically review your portfolio's performance and ensure it remains aligned with your financial goals and risk tolerance. Market conditions evolve, and adjustments may be needed to optimize returns and manage risk effectively.

Remember, investing is a journey, not a destination. It's about striking the right balance between growth potential and risk mitigation while staying true to your long-term aspirations.

Consulting with a Certified Financial Planner can provide valuable insights and guidance tailored to your specific needs and objectives. Your commitment to building a balanced portfolio is commendable, and with diligence and strategic planning, you're on track towards financial success.
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 am 39 years male. I am investing in MF from 2018. I have accumulated a sum of 15lakhs in MF. I put Rs 36k per month into the following funds. 1. Parag parekh flexi cap fund Regular -Rs 5000 2. Aditya Birla SP NASDAQ 100 FOF-G reg- Rs 5000 3. Kotak emerging equity fund (G) - Rs 6000 4. Icici pru value discovery fund - Rs 5000 5. Kotak equity opp fund - Rs 5000 6. Axis focused 25 25 fund Regular - Rs 5000 7. SBI ESG Exclusionary strategy fund reg G - Rs 2000 8. SBI technology opportunity fund reg growth - Rs 1000 9. SBI equity hybrid fund reg Growth - Rs 2000 Total Rs 36000 per month now . Please suggest are those funds balanced or I should change?
Ans: Your portfolio reflects a diverse mix of funds across various sectors and market caps. As a Certified Financial Planner, your allocation seems well-distributed. However, it's crucial to periodically review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Consider assessing the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates from its investment objective, you may consider replacing it with a better-performing alternative. Also, ensure your portfolio is not overly concentrated in any particular sector or theme.

Remember to stay focused on your long-term investment objectives and avoid making frequent changes based on short-term market movements. Regular monitoring and adjustments, if necessary, will help you stay on track to achieve your financial goals.

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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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