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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 03, 2022

Mutual Fund Expert... more
B Question by B on Nov 03, 2022Hindi
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I have started investing in following funds since last 1 year:

Axis Bluechip Fund -- 10000

DSP Blackrock Midcap Fund -- 10000

Parag Parikh Flexicap -- 10000

PGIM India Midcap Opportunities -- 10000

Quant Small Cap Fund -- 10000

BOI AXA Small Cap Fund -- 7000

Edelweiss Mid Cap Fund -- 7000

IIFL Focused Equity Fund -- 7000

Invesco India Contra Fund -- 7000

Mirae Asset Hybrid Equity -- 7000

Can Rebeco Bluechip Equity Fund -- 7000

Union Small Cap -- 7000

UTI Nifty Index Fund -- 7000

ICICI Prudential Technology Fund -- 5000

Birla Sunlife Nifty ETF – 4000

Total: Rs 115000/- pm

All in Direct Growth Fund. I wish to continue the investments till Dec '35 (retirement). I have other investments thru PF, NPS and PPF - Sir How much corpus can I accumulate till my retirement from this portfolio and your suggestions on any changes required. Please reply Sir.

Ans: Funds are decent, only issue is too many funds. Please continue

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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Sep 15, 2022

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I am 38 years old; I need your advice on how much corpus can be made with the following investments after 20 years; also please advise whether I need to stop/switch/step up any of the following mutual fund investments for next 20 years, below is my investment portfolio: 1. PPF every month 12500 (started on Apr 2017) 2. Sukankya Samriddhi Yojana every month 12500 (started on May 2018 but for FY 2018-19 only Rs 20000 was deposited, after that from Apr 2019 onwards, Rs 12500 is deposited every month)...this is for my 4 year old daughter 3. Mutual funds (Started in Nov 2019): Rs 20000 SIP monthly, following 10 funds: Rs 2000 each 3.1 Axis Bluechip Fund -Regular Plan - Growth, total amount invested so far RS 29000 3.2 Canara Robeco Blue Chip Equity Fund, total amount invested so far RS 29000 3.3 MIRAE ASSET EMERGING BLUECHIP REGULAR GROWTH, total amount invested so far RS 24000 3.4 HDFC Multi Cap Fund - Regular Plan - Growth Option, total amount invested so far RS 24000 3.5 HDFC Developed World Indexes Fund of Funds - Regular Plan - Growth Option, total amount invested so far RS 24000 3.6 ICICI Prudential NASDAQ 100 Index Fund - Growth, total amount invested so far RS 24000 3.7 L&T INFRASTRUCTURE FUND, total amount invested so far RS 29000 3.8 PARAG PARIKH FLEXI CAP FUND -REGULAR PLAN, total amount invested so far RS 29000 3.9 UTI NIFTY 50 INDEX FUND-REGULAR PLAN-GROWTH, total amount invested so far RS 24000 3.10 TATA DIGITAL INDIA FUND-REGULAR PLAN-GROWTH, total amount invested so far RS 24000 4. HDFC Life click 2 wealth Investment Rs 5000 monthly with discovery fund for 10 years (started in Nov 2019), total amount invested so far RS 45000
Ans: There sufficient diversification as far as asset allocation is considered.

In mutual funds the schemes are also fine, but too many!

The corpus that will get created by mutual funds in 20 years with monthly Investment of Rs 20000 is Rs 2.6 crore.

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Ramalingam

Ramalingam Kalirajan  |9752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

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Hi Namaskar Sir, I m 46 yrs Gov't employee &retirement is on 08/36.i already investing in MF since 2018.My portfolio is as follows All r direct growth fund. 1,PPFS Fund 4000/month 2,Edelweiss midcap fund 2500/ month ( newly started.( Total 12500.invested) 3 Mirae Asset large cap 2500/month (newly started Total 12500.invested. 4 Quant Active fund 2500/month. 5 Pgim flexi cap fund 2500/month. 6 Nippon India small cap fund 2500/month. ( newly started Total 7500 investment 7Sbi small cap fund 3000/month 8 Sbi Magnum midcap fund 2500/month newly started. 9Sbi contra fund 2500/month newly started. 10 Sbi technology fund 2000/ month 11Kotak emerging equity fund 3000/ month 12Hdfc midcap oppurtunities fund 2500/ month newly started total 7500 investment. Sir please look at my portfolio & Advice if needed. My risk appetite is highly aggressive & my investment is 13 yrs to create wealth for children education and also for retirement. My NPS monthly 14018/ month deduction. How much corpus can i accumulate in 13yrs of investment with this portfolio's?
Ans: Your portfolio appears to be heavily concentrated in mid-cap and small-cap funds, indicating a high-risk, aggressive approach. Here are some suggestions for consideration:

Diversification: While high-risk investments can offer potential for higher returns, it's crucial to diversify across different asset classes and fund categories to mitigate risk. Consider adding large-cap or multi-cap funds to balance your portfolio.

Review and Rebalance: Regularly review the performance of your funds and rebalance your portfolio if necessary. If any fund underperforms consistently or doesn't align with your investment strategy, consider replacing it with a better-performing alternative.

Risk Management: Understand the risk associated with mid-cap and small-cap funds and ensure that your overall portfolio risk is balanced according to your risk tolerance and investment horizon.

Long-Term Perspective: Stay committed to your investment plan and maintain a long-term perspective. Over a 13-year horizon, equity investments have the potential to deliver significant returns, but there may be periods of market volatility that require patience and discipline.

Regular Contributions: Continue with your SIP contributions regularly, and consider increasing your investment amount over time as your income grows or allocate additional funds towards your investment portfolio.

Seek Professional Advice: If you're uncertain about your investment strategy or need personalized guidance, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Regarding the potential corpus accumulation in 13 years, it's challenging to provide an exact figure due to the unpredictable nature of the market. However, with a disciplined approach and assuming reasonable market growth, your portfolio has the potential to accumulate a significant corpus over the long term. Regularly monitor your investments and make adjustments as needed to stay on track towards your financial goals.

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Ramalingam

Ramalingam Kalirajan  |9752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Asked by Anonymous - Jan 02, 2024Hindi
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Hi sir I'm 47 yrs old have 2 kids. for their education and marriage i started investing in mutual fund since 2018.My portfolio is as follows &all are direct fund.1,CANARA ROBECCO SMALLCAP FUND 3000/MONTH 2,EDELWEISS MIDCAP FUND 2500/Month 3MIRAE ASSET LARGE CAP 2500/MONTH 4PGIM FLEXI CAP FUND 2000/MONTH 5PPFAS FLEXI CAP FUND 4000/MONTH 6QUANT ACTIVE FUND 2500/MONTH 7SBI SMALLCAP FUND 3000/MONTH 8SBI MAGNUM MIDCAP FUND 2500/MONTH 9SBI CONTRA FUND 2500/MONTH 10SBI TECHNOLOGY FUND 2000/MONTH 11KOTAK EMERGING EQUITY FUND 3000/MONTH 12HDFC MIDCAP OPPORTUNITY FUND 2500/MONTH SIR my question is that is my portfolio needed any changes? & how much corpus can I accumulate in last 13 years as i will retire at 60. Please reply & thanks in advance. 7 7 SBI SMALL CAP FUND 3000/MONTH
Ans: Your portfolio consists of a diverse mix of mutual funds across various market segments, including small-cap, mid-cap, large-cap, and flexi-cap funds. However, having such a large number of funds may lead to over-diversification and increase the complexity of managing your portfolio.

Consider consolidating your portfolio by focusing on high-quality funds that align with your investment objectives and risk tolerance. Review the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates significantly from its investment objective, you may consider replacing it with a better-performing alternative.

As for the corpus accumulation, it would depend on various factors such as the performance of the funds, the consistency of your contributions, and market conditions. You may use online SIP calculators to estimate the potential corpus based on your ongoing SIP contributions and expected returns.

Given your retirement goal at age 60, ensure that your investment strategy is aligned with your long-term financial objectives and risk profile. Consider consulting with a financial advisor for personalized guidance tailored to your specific circumstances.

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Ramalingam

Ramalingam Kalirajan  |9752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 08, 2024Hindi
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Sir I am 42 years old. my current portfolio is INR 48 lakhs. I invest through sip in mutual funds for INR 50k. HDFC mid cap opportunities fund - 10k PPFAS flexi Cap - 15k Mirae asset multi cap - 5k Edelweiss small cap - 5k Tata Digital fund - 5k ICICI India opportunities fund - 5k PPFAS tax saver - 5k I will invest till my retirement. I have been investing in some of the above scheme since 7 to 8 years. Kindly suggest whether I can accumulate good amount of Corpus at the time of retirement. Kindly advise
Ans: Assessing Retirement Accumulation Potential
Current Portfolio Analysis
Your disciplined approach towards investing through SIPs in various mutual funds reflects a proactive stance towards wealth accumulation.

Evaluating Retirement Goals
To assess the adequacy of your retirement corpus, we must align your investment strategy with your retirement goals and financial aspirations.

Analyzing Investment Performance
Review the historical performance of your existing mutual fund investments to gauge their growth potential over the long term.

Assessing Retirement Corpus
Considering your current age, investment horizon, and monthly SIP contributions, we'll estimate the potential corpus you can accumulate by the time of retirement.

Identifying Retirement Income Needs
Determine your expected retirement expenses, including living costs, healthcare, travel, and any other financial obligations, to ascertain the required corpus.

Conducting Retirement Gap Analysis
Evaluate whether your current investment strategy and contribution levels are sufficient to meet your projected retirement corpus needs.

Recommendations for Retirement Planning
Optimize Asset Allocation: Consider rebalancing your investment portfolio to maintain an optimal mix of equity, debt, and hybrid funds aligned with your risk tolerance and retirement timeline.

Review Fund Selection: Regularly assess the performance of your mutual fund holdings and consider reallocating investments to funds with consistent track records and growth potential.

Increase SIP Contributions: If feasible, explore the option of gradually increasing your SIP contributions to accelerate wealth accumulation and bridge any potential retirement gap.

Explore Supplementary Investments: Explore additional avenues for wealth creation, such as tax-efficient investment options like ELSS funds or retirement-focused investment products to enhance your retirement corpus.

Monitor Progress Regularly: Periodically review your investment portfolio's performance and adjust your strategy as needed to stay on track towards achieving your retirement goals.

Conclusion
While your current investment approach demonstrates a proactive stance towards retirement planning, it's essential to periodically reassess your strategy and make adjustments as needed to ensure that you're on course to achieve your financial objectives. By implementing the recommended measures and staying committed to your long-term financial goals, you can enhance the likelihood of accumulating a substantial retirement corpus.

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K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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