Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Feb 06, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Gaurav on Oct 26, 2023Hindi

Money

Please suggest since Market is down, is it good time to invest in MF? If yes, what's your recommended MFs. Currently I am investing 25k per month in MF - Baroda BNP Paribas Multi Cap Fund, Canara Robeco Bluechip Equity fund GR,CANARA ROBECO SMALL CAP FUND REGULAR - GROWTH and Mirae Asset Large Cap Fund -Growth. 5000 each per month. Can you suggest any new MF where I can invest in addition to above and what are the future of above 4 MF? Note: I have started investing from last 7 months on monthly basis.

Ans: "It's understandable to wonder if the current market downturn presents a good opportunity to invest in mutual funds. While attempting to ""time the market"" can be challenging, investing consistently over time through Systematic Investment Plans (SIPs) can help average out market fluctuations and potentially benefit from long-term growth.

Your current portfolio with its diversification across multi-cap, bluechip, small-cap, and large-cap funds showcases a thoughtful approach. However, to provide any further insights or suggest additions, understanding your broader financial situation and investment goals is crucial. "

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.

MoneyReply

You may like to see similar questions and answers below

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Feb 16, 2023

Question by Ramchandra - Jan 26, 2023Hindi

Money

Hi I am 53 years i wish to invest in mf is it the right time and if yes then please suggest good mf , my goal is 5 years from now , about 10 k a month please advice

Ans: Hie Ramchandra. Base on your age, you should have a conservative tilt while investing. Hence focus more on hybrid and large-cap funds. For detailed investment plan consult a financial advisor who can draw your personalized investment plan

Vivek Lala |225 Answers |Ask -Follow

Tax, MF Expert - Answered on Oct 09, 2023

Question by Kannan - Oct 09, 2023Hindi

Money

Hello, I am 39 years old and have just started to invest in MF. Aim is to have good retirement life and funds for son’s education in the next 6-7 years. I am good to invest 1-1.2lacs a month and currently started investing in below funds: Mirae large and Mid cap funds Nippon small cap Kotak emerging funds ICICI Pru blue chip Axis Mid Cap Axis Multi cap SBI Magnum Midcap Quant Mid Cap

Ans: Hello, you are on the right path. Keep the discipline and you will reach your goal as decided by you

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Question by Rajeev - Oct 13, 2023Hindi

Money

Hello, I am 41 years old and have just started to invest in MF. Aim is to have good retirement life and funds for daughter’s education in the next 9-10 years. I am not good to invest 8-12k a month and currently started investing in below funds: Nippon small/Large cap, Kotak, Canara, Axis, ICICI & SBI Bluechip

Ans: It's commendable that you've taken the initiative to invest for both your retirement and your daughter's education. Diversifying across various mutual funds is a strategic move akin to planting different seeds in a garden. Each seed has its unique growth trajectory and potential.

However, while variety is good, it's also essential to ensure that these funds align with your financial goals and risk tolerance. Sometimes, having too many funds can complicate tracking and managing your investments. Consider reviewing your portfolio periodically to ensure it remains in line with your objectives.

As you journey towards your retirement and your daughter's educational goals, remember that patience and consistency are your allies. The world of mutual funds can be unpredictable, much like the seasons. There will be periods of growth and times of stagnation. Stay invested, stay informed, and consider seeking advice from a financial advisor to nurture your financial garden effectively.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 13, 2024Hindi

Money

Sir I have investing right now Parag Parikh flexi cap 2k,Nifty Total Market Index Fund 2k,ICICI Prudential Multi Cap Fund 1K,Nippon India Small Cap 1k,Tata Digital fund 500.Request your advice am I right in track for investing MF.

Ans: It's great to see your proactive approach to investing in mutual funds. Let's review your current portfolio and provide some insights:

Parag Parikh Flexi Cap: This fund offers diversification across market segments and has a flexible investment approach. It's a good choice for long-term growth potential.
Nifty Total Market Index Fund: Investing in an index fund provides broad market exposure and low expense ratios. It's suitable for passive investors seeking market returns.
ICICI Prudential Multi Cap Fund: This fund invests across large, mid, and small-cap stocks, providing diversification and potential for higher returns. It complements your portfolio well.
Nippon India Small Cap: Small-cap funds have the potential for high growth but come with higher volatility. Ensure you're comfortable with the risk associated with this fund.
Tata Digital Fund: Investing in thematic funds like digital funds can offer exposure to high-growth sectors. However, they tend to be more volatile and may not suit all investors.
Overall, your portfolio seems well-diversified across market segments and investment styles. However, it's essential to regularly review your investments, monitor fund performance, and adjust your portfolio as needed based on changes in your financial goals and market conditions.

Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and goals. They can help ensure that your investment strategy aligns with your long-term financial objectives and risk tolerance.

Latest Questions

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Anand - Mar 17, 2024Hindi

Money

Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ?2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ?2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ?2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ?5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ?5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ?5,000, (8) ICICI Pru Bluechip Fund(G) - ?5,000, (9) Axis Small Cap Fund - Regular Plan - ?5,000, (10) ICICI Prudential Technology Fund - Growth - ?5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ?5,000, (12) ICIPRU Multi-Asset Fund - Growth - ?5,000, (13) ICIPRU Value Discovery Fund - Growth - ?5,000. Thank You.

Ans: Based on your current Mutual Funds Investments, here are some recommendations:

Existing Investments:
ICICI India Opportunities Fund: Review the fund's performance and consider its alignment with your investment objectives. If it continues to meet your goals and performs well, you can consider keeping it.
ICICI Value Discovery Fund: Similar to the above, assess its performance and suitability. If it has delivered satisfactory results and fits your investment strategy, you may continue with it.
ICICI Transportation & Logistics Fund: Evaluate the fund's performance and prospects in the current market scenario. If you're confident in its future growth potential, you can maintain your investment.
New Fund Recommendations:
Consider diversifying your portfolio by adding funds from different categories such as large-cap, mid-cap, and flexi-cap.
Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy aligned with your risk profile.
Conduct thorough research or seek advice from a Certified Financial Planner or Mutual Fund Distributor to identify suitable options based on your financial goals and risk tolerance.
Review and Adjustments:
Regularly review the performance of your existing investments and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.
Monitor the expense ratios, fund manager's track record, and the overall portfolio diversification to ensure optimal investment outcomes.
By carefully assessing your existing investments and making informed decisions about new fund allocations, you can build a well-balanced and diversified Mutual Funds portfolio that aligns with your long-term financial objectives.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Sharleen - Mar 31, 2024Hindi

Money

Dear Sir, I am 34 yrs old and planning to start my MF / other investment journey. I have been regularly investing in Fixed Deposits and have made a good corpus out of it. I am looking for an investment for a long-term goal. I can invest up to Rs. 35,000/- per month. The risk appetite for me would be medium.

Ans: Starting your investment journey with a long-term goal in mind is a prudent decision. Here's a recommended approach for you:

Begin by diversifying your investment portfolio across different asset classes to manage risk effectively. While Fixed Deposits offer stability, consider allocating a portion of your funds towards equity-based investments such as Mutual Funds for potential growth over the long term.
With a medium risk appetite, opt for a balanced mix of equity and debt mutual funds. Equity funds have the potential to deliver higher returns over time, while debt funds provide stability and income generation.
Start with Systematic Investment Plans (SIPs) in mutual funds, which allow you to invest a fixed amount regularly. Allocate a portion of your monthly investment budget towards SIPs in equity funds to capture market growth opportunities.
Additionally, consider diversifying into other investment avenues such as Public Provident Fund (PPF) or National Pension System (NPS) to further strengthen your retirement savings.
Regularly review your investment portfolio and make adjustments as needed based on changes in your financial goals, risk tolerance, and market conditions.
Consult with a Certified Financial Planner or Mutual Fund Distributor to tailor an investment strategy that aligns with your specific financial objectives and risk profile. This personalized approach will help you navigate the complexities of the investment landscape and achieve your long-term financial goals effectively.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Ajay - Apr 10, 2024Hindi

Money

SIr, I am Ajay Trivedi, aged 46 years, I am working with an educational Institute. is it a good idea to invest in Adity Birla Sun Life PSU Equity Fund Direct Growth for the period of one year to get a lucarative return.

Ans: Investing in Aditya Birla Sun Life PSU Equity Fund Direct Growth for a one-year period may not be the best approach for your financial goals. Here's why:

PSU Equity Funds primarily invest in stocks of Public Sector Undertakings (PSUs), which can be volatile and may not offer guaranteed returns, especially in the short term.
Equity investments are better suited for long-term wealth creation, typically with an investment horizon of five years or more.
One year is a relatively short time frame for equity investments, and market fluctuations could impact returns significantly.
Regular funds with the support of a Mutual Fund Distributor (MFD) offer personalized guidance and advisory services, which can help tailor your investment strategy to your specific financial needs and goals.
Instead of focusing on short-term gains, consider a more diversified investment approach that aligns with your long-term financial objectives. Regularly review your investment portfolio with the assistance of a knowledgeable MFD to ensure it remains well-balanced and suitable for your risk tolerance and investment horizon.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Jacob - Apr 11, 2024Hindi

Money

Can you suggest some flexicap, hybrid funds for SIP

Ans: Investing in mutual funds through SIPs is a wise decision for long-term wealth creation and financial security. Here's why:

SIPs offer the benefit of rupee cost averaging, enabling you to invest systematically over time regardless of market fluctuations.
They instill discipline in your investment approach, helping you stay committed to your financial goals.
Mutual funds provide diversification across various asset classes, reducing overall risk in your portfolio.
Flexibility in investment options allows you to choose funds based on your risk tolerance and investment horizon.
Professional fund management ensures that your investments are actively monitored and managed by experienced professionals.
However, it's essential to review your portfolio periodically to ensure alignment with your financial objectives and risk tolerance. Adjustments may be necessary based on changes in market conditions, personal circumstances, or investment goals.

As a Certified Financial Planner, I recommend conducting a thorough financial review and consultation to tailor your investment strategy to your specific needs. This personalized approach will help maximize the potential for achieving your long-term financial goals while mitigating risks along the way.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 11, 2024Hindi

Money

I am investing Rs 20 k pm in HDFC flexicap fund growth and wish to continue for next 10 years for wealth creation for retirement. Is that ok ?

Ans: Investing Rs 20,000 per month in HDFC Flexi Cap Fund Growth for the next 10 years for wealth creation towards retirement is a prudent decision. Flexi cap funds offer flexibility in asset allocation across market capitalizations, allowing the fund manager to capitalize on opportunities across different market segments.

However, before proceeding, consider the following:

Review Performance: Monitor the performance of HDFC Flexi Cap Fund regularly to ensure it aligns with your long-term investment objectives. Assess factors such as historical returns, consistency, and fund manager expertise.
Diversification: While HDFC Flexi Cap Fund provides exposure to a diversified portfolio of stocks, consider diversifying your investments across different asset classes and fund houses to spread risk effectively.
Risk Management: Evaluate your risk tolerance and ensure that the investment aligns with your risk profile. While equity investments offer higher growth potential, they also come with higher volatility. Ensure that you are comfortable with the associated risks.
Regular Review: Periodically review your investment strategy and make adjustments as necessary based on changes in your financial situation, market conditions, and investment goals.
Overall, investing in HDFC Flexi Cap Fund Growth for retirement wealth creation is a sound strategy, provided it aligns with your risk tolerance and long-term financial goals. Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and circumstances.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Dhruvil - Apr 12, 2024Hindi

Money

Hello Sir, my age is 28yrs and I am investing in Mutual funds for last 6 years now. As of now I have monthly SIP of 2k in PPFAS Flexi cap fund and 2.5k in Mirae Asset Large and Midcap fund. I want to invest more 12k-15k per month. I want to invest these for my retirement corpus and I am open to take risks in Smallcap, Midcap, Thematic funds, etc.. Kindly suggest good funds to invest in. Is it good to invest in schemes of Quant Fund house.

Ans: Since you're open to taking risks and have a long investment horizon for your retirement corpus, investing in small-cap, mid-cap, and thematic funds can potentially offer higher returns over the long term. Here are some suggestions for funds to consider:

Small-cap Funds: These funds invest in stocks of small-sized companies with high growth potential. Consider reputable funds with a consistent track record of performance in this category.
Mid-cap Funds: Mid-cap funds focus on stocks of medium-sized companies, offering a balance of growth potential and risk. Look for funds managed by experienced fund managers with a strong track record.
Thematic Funds: Thematic funds invest in sectors or themes expected to perform well over time. Choose themes aligned with your investment objectives and outlook for future growth.
Regarding Quant Fund House, while they may offer innovative investment strategies, it's essential to conduct thorough research on their fund offerings, track record, and investment approach. Ensure they align with your risk profile and long-term goals before investing.

Lastly, consider diversifying your investments across multiple funds and asset classes to spread risk and maximize potential returns. Regularly review your portfolio and make adjustments as needed to stay aligned with your investment objectives. Consulting with a Certified Financial Planner can provide personalized advice tailored to your specific financial situation and goals.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 10, 2024Hindi

Money

Hello Experts, I am 35 year old planning to have a corpus of ?5cr in next 20 years. I have 20lacs fixed deposit and invest in below mutual funds via SIPs and also planning to increase it by 5k per month Sukanya Samriddhi : 1.5 Lacs VPF : 1.2 Lacs NPS: 1.5 Lacs (Tier 1 - 75% equity) Monthly SIPs: Parag Parekh flexi cap - 5k UTI Index fund- 2k Kotak Emerging equity : 2k Mirae asset emerging bluechip: 1k SBI Blue chip: 1k Nippon India tax saver :0.5k Axis long term equity :1.5k Axis mid cap: 1k HDFC Mid cap opportunities: 1k Axis small cap fund: 5k

Ans: Given your age and goal of accumulating 5 crores in 20 years, your current investment strategy appears well-diversified. Here are some suggestions to optimize your portfolio:

Review Asset Allocation: Ensure your asset allocation aligns with your risk tolerance and long-term goals. Consider increasing exposure to equity for higher growth potential.
Increase Equity Allocation: Given your long investment horizon, consider gradually increasing your equity allocation to capitalize on potential market growth.
Regularly Monitor Performance: Periodically review the performance of your mutual funds and make adjustments if necessary to ensure they continue to meet your investment objectives.
Consider Tax Planning: Explore tax-efficient investment options such as ELSS funds and NPS Tier 1 for additional tax benefits.
Continue Systematic Investing: Maintain discipline in your SIP investments and consider increasing your SIP amounts over time to accelerate wealth accumulation.
Emergency Fund: Ensure you have an adequate emergency fund in place to cover unexpected expenses, typically equivalent to 3-6 months of living expenses.
By implementing these strategies and staying committed to your long-term financial goals, you can work towards achieving your target corpus of 5 crores in 20 years. Always seek professional advice from a Certified Financial Planner to tailor your investment strategy to your specific needs and circumstances.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Sunil - Feb 29, 2024Hindi

Money

Hi sir my ongoing sip in Nippon small cap DG from past 5 years my goal is 1 cr. Sip 25 k pm. When will reach to my goal. Assuming 21% xirr

Ans: It's commendable that you've been diligently investing in SIPs for your financial goals. Given your commitment, here are some tips:

Stay Consistent: Maintain discipline in your SIP investments, as regular contributions over time can yield significant results.
Diversify Wisely: Consider diversifying your portfolio across different asset classes and investment vehicles to spread risk.
Regular Review: Periodically review your investments to ensure they align with your goals and adjust if necessary.
Stay Informed: Stay updated on market trends and economic developments to make informed investment decisions.
Long-Term Outlook: Maintain a long-term perspective with your investments, as short-term fluctuations are part of the journey.
Seek Professional Advice: Consider consulting with a Certified Financial Planner to fine-tune your investment strategy and address any concerns.
Stay Patient: Remember that wealth accumulation takes time, so stay patient and trust in your investment plan.
By following these guidelines and staying committed to your financial objectives, you're on the right path towards achieving your goals. Keep up the good work!

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Ankit - Feb 10, 2024Hindi

Money

Hi, I invest 1.5 lacs per month in mutual funds through SIP. My current MF portfolio is of 71 lacs, and is mix of index, large, mid, and small cap funds. My goal is to have 15 cr in 15-20 yrs and retire. Please suggest a good mf mix. My current xirr is 22%.

Ans: Given your ambitious goal of accumulating 15 crores in 15-20 years, maintaining a diversified mutual fund portfolio is crucial. Here's a suggested mix:

Large Cap Funds: Allocate a significant portion of your SIP towards large-cap funds for stability and steady growth potential.
Mid and Small Cap Funds: These funds offer higher growth potential but come with increased volatility. Allocate a portion of your SIP towards them for higher returns.
Index Funds: Consider investing in index funds to capture the broader market's growth at a lower expense ratio.
Multi-Cap Funds: These funds offer flexibility to invest across market capitalizations based on prevailing market conditions. They provide a balanced approach to growth.
Balanced Advantage Funds: These funds dynamically allocate between equity and debt, offering downside protection during market downturns.
Review and Rebalance: Regularly review your portfolio's performance and adjust the allocation based on changing market conditions and your evolving financial goals.
Risk Management: While aiming for higher returns, ensure that your portfolio is diversified across asset classes to manage risk effectively.
Professional Advice: Consider consulting with a Certified Financial Planner to tailor a personalized investment strategy aligned with your financial goals and risk tolerance.
With disciplined investing, diversified allocation, and periodic review, you can work towards achieving your target corpus of 15 crores for retirement.

Ramalingam Kalirajan |1364 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Pranathi - Feb 07, 2024Hindi

Money

I want to invest money in Navi mutual fund if I invest money 10000 per month do I get monthly money

Ans: Investing in Navi Mutual Fund with a monthly SIP of Rs. 10,000 does not guarantee monthly returns. Mutual funds, including those offered by Navi, invest in various assets such as stocks, bonds, or a combination of both. Returns from mutual funds are subject to market fluctuations and the performance of the underlying assets.

While SIPs (Systematic Investment Plans) allow you to invest a fixed amount regularly, typically monthly, they do not guarantee fixed monthly returns. Instead, SIPs enable you to benefit from rupee cost averaging and the power of compounding over the long term, potentially leading to wealth accumulation.

It's essential to consider your investment objectives, risk tolerance, and investment horizon before investing in mutual funds. While they offer the potential for wealth creation, they also involve market risk. Consulting with a Certified Financial Planner or Mutual Fund Distributor can help you determine the most suitable investment strategy based on your financial goals and risk profile.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x