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36-Year-Old Seeks High-Risk Mutual Funds for Long-Term Investment

Ramalingam

Ramalingam Kalirajan  |7262 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 07, 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 - Nov 06, 2024Hindi
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Sir, can you please suggest some good mutual fund in financial services. I m looking for long term and risk appetite is high. I am willing to take higher risk.

Ans: Investing in the financial services sector can offer high growth potential, especially for those with a high-risk tolerance and a long-term horizon. Let’s explore how you can approach this sector through mutual funds while considering both potential and strategic risks.

1. Understanding Sector-Specific Mutual Funds
High Growth Potential: Financial services funds focus on banks, non-banking financial companies (NBFCs), insurance firms, and other financial institutions. This sector has historically delivered good growth as the economy expands, but it is also sensitive to economic cycles.

Volatility Consideration: Financial services funds are inherently more volatile due to their dependence on economic and interest rate cycles. Investors with a high risk tolerance, like you, may find these funds suitable for long-term growth. However, they might experience sharp fluctuations during downturns.

2. Actively Managed Funds over Index Funds
Avoiding Index Funds: While index funds mirror the market’s overall performance, they don’t offer sector-focused options in financial services. Furthermore, index funds don’t leverage fund managers’ expertise in navigating specific sector cycles.

Benefits of Actively Managed Funds: Actively managed mutual funds with a skilled fund manager can capitalise on opportunities within the financial sector, making them suitable for long-term, high-risk investors. These managers carefully select high-growth financial companies and adjust the portfolio based on economic changes, thus offering better growth potential.

3. Choosing Regular Funds with an MFD & CFP
Drawbacks of Direct Funds: Direct funds may appear to have lower expense ratios, but they lack ongoing advisory support. With sector-specific funds, periodic review and expert advice become more critical due to sector volatility.

Advantages of Regular Funds: Investing in regular funds through a Mutual Fund Distributor (MFD) who holds a Certified Financial Planner (CFP) credential adds significant value. They can provide personalised guidance, help rebalance your portfolio, and ensure it aligns with your financial goals, especially given the risks of sector-specific investments.

4. Diversification within Financial Services
Select Sub-Sector Exposure: In financial services, diversification across banking, insurance, and asset management companies can offer balanced exposure. Some funds may concentrate on large-cap financial companies, while others include mid-cap and small-cap players with higher growth potential.

Balancing with Broader Equity Funds: While it’s good to capitalise on financial services, holding a portion of your portfolio in broader, diversified equity mutual funds can add stability. A high exposure to financial services may result in excessive risk during economic downturns, while broader funds provide stability and reduce sector concentration risk.

5. Tax Efficiency and Recent Rules
Equity Mutual Fund Taxation: For long-term capital gains (LTCG) above Rs 1.25 lakh, the tax rate is 12.5%. Short-term gains (STCG) attract a 20% tax. Considering these tax rules, it is best to aim for long-term holding in equity funds to optimize post-tax returns.

Rebalancing Based on Tax Implications: Working with a CFP can help you strategically rebalance based on tax efficiency, avoiding unnecessary churn and capital gains tax.

6. Monitoring and Reassessing Regularly
Regular Portfolio Review: Sector-specific funds require ongoing monitoring due to economic and market cycles. Financial services are highly sensitive to government policies, interest rate changes, and economic conditions.

Guidance from a Certified Financial Planner: A CFP can help you navigate market changes, review your portfolio annually, and adjust based on sector performance. This can help optimise your returns while keeping risk within your comfort level.

Final Insights
Investing in financial services mutual funds can align with your high-risk appetite and long-term goals. By selecting actively managed funds through an MFD with a CFP, you can maximise potential growth and leverage sector-focused insights. Diversifying within the financial sector and balancing with broader equity investments will offer stability and reduce concentrated risk. Regular monitoring and tax-efficient rebalancing are essential for achieving sustainable growth.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment
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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Sir I want invest 30 to 35 k every month for for long term for 10 yrs please suggest good mutual funds I want to diversify in large,mid cap and small cap and hybrid , debt etc risk wise allocation and I need 1 cr after 10 year. Please share the list of mf percentage wise investment
Ans: As a Certified Financial Planner I'm here to offer guidance on your investment queries. Let's dive in:

• Firstly, kudos to all of you for taking the initiative to seek advice on your financial future. Planning for the long term is crucial, and it's commendable that you're thinking ahead.

• Investing wisely requires careful consideration of various factors, including your financial goals, risk tolerance, and investment horizon. It's essential to align your investments with your objectives.

• Diversification is key to managing risk effectively. By spreading your investments across different asset classes, sectors, and geographical regions, you can mitigate the impact of market volatility.

• When it comes to building wealth over the long term, consistency is key. Regularly investing a fixed amount, such as through SIPs, allows you to benefit from rupee-cost averaging and smooth out market fluctuations.

• As a Certified Financial Planner, my role is to understand your unique circumstances and tailor an investment strategy that suits your needs. I'll take into account factors like your age, income, expenses, and financial goals.

• It's natural to feel overwhelmed or uncertain about investing, especially with so many options available. Rest assured, I'm here to simplify the process and provide guidance to the best of my abilities.

• Remember, investing is a journey, not a destination. It's essential to stay disciplined, patient, and focused on your long-term goals, even during periods of market volatility.

• As individuals seeking financial advice, I encourage you to consider consulting with a Certified Financial Planner. A CFP can provide personalized guidance and help you navigate the complexities of investment planning.

In conclusion, by seeking advice from a Certified Financial Planner, you can gain valuable insights and make informed decisions to achieve your financial aspirations. Let's embark on this journey towards financial success together!

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Ramalingam

Ramalingam Kalirajan  |7262 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

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Maam pls suggest me 5or 6 mutual fund which i can do invest long time 12 to 20 years .my capacity is 10k per months i will take 50 percent risk if i take 100 percent risk can do this same in 10 years my goal is 1 cr
Ans: It’s great to see your commitment to securing your financial future. Let’s explore how you can achieve your goal of Rs. 1 crore by investing Rs. 10,000 per month.

Understanding Your Investment Horizon and Risk Appetite
You have a long-term investment horizon of 12 to 20 years. This gives you the advantage of time, allowing your investments to grow and compound. With a willingness to take up to 50% risk, you can consider a mix of equity and hybrid funds. If you are comfortable with 100% risk, you can focus more on equity funds.

Importance of Diversification
Diversification is key to managing risk while aiming for high returns. By spreading investments across various mutual funds, you reduce the impact of poor performance in any single fund. This approach enhances the stability of your portfolio.

Benefits of Actively Managed Funds
Actively managed funds have professional fund managers who make strategic decisions. They aim to outperform the market by selecting high-potential stocks. This active management can provide better returns compared to passive funds, especially over long periods.

Potential Mutual Fund Categories for Your Portfolio
1. Large-Cap Funds
Large-cap funds invest in well-established companies with a large market capitalization. These funds are relatively stable and can provide steady returns. They are less volatile compared to mid-cap and small-cap funds, making them suitable for moderate risk tolerance.

2. Mid-Cap Funds
Mid-cap funds invest in medium-sized companies that have high growth potential. These funds are riskier than large-cap funds but can offer higher returns. For an investor with a 50% risk appetite, mid-cap funds can be a good choice.

3. Small-Cap Funds
Small-cap funds invest in smaller companies with significant growth prospects. These funds are more volatile but can provide substantial returns. If you are willing to take 100% risk, including small-cap funds in your portfolio can be beneficial.

4. Multi-Cap Funds
Multi-cap funds invest across companies of various sizes and sectors. They offer a balanced approach by combining large-cap stability with mid-cap and small-cap growth. This diversification within the fund itself reduces risk and enhances returns.

5. Hybrid Funds
Hybrid funds invest in a mix of equity and debt instruments. They provide exposure to the growth potential of equities while offering the stability of debt. For investors with moderate risk tolerance, hybrid funds can be a safe yet profitable option.

Regular Monitoring and Rebalancing
Investing in mutual funds requires regular monitoring. Rebalance your portfolio periodically to maintain the desired asset allocation. This ensures your investments remain aligned with your risk tolerance and financial goals.

Advantages of Investing Through a Certified Financial Planner
A Certified Financial Planner (CFP) can help you select suitable mutual funds. They provide expert advice and personalized strategies based on your financial situation. Investing through a Mutual Fund Distributor (MFD) with CFP credentials ensures professional management of your investments.

Disadvantages of Direct Funds
Direct funds require investors to make all decisions independently. Without professional guidance, it can be challenging to choose the right funds and manage the portfolio. Regular funds, advised by a CFP, offer better management and informed decision-making.

SIPs: A Disciplined Investment Approach
Systematic Investment Plans (SIPs) are an excellent way to invest regularly. They help inculcate a disciplined investment habit. SIPs allow you to invest small amounts consistently, reducing the impact of market volatility.

Evaluating Fund Performance
When selecting mutual funds, consider their historical performance. Look for funds with a consistent track record of outperforming their benchmarks. Evaluate the fund manager’s expertise and the fund’s expense ratio to ensure efficient management.

Importance of Patience and Long-Term Perspective
Long-term investments require patience and a steady approach. Market fluctuations are normal, but staying invested allows your money to grow. The power of compounding works best over extended periods, helping you achieve your financial goals.

Conclusion
With a disciplined investment strategy and the right mix of mutual funds, you can achieve your goal of Rs. 1 crore. Diversify your portfolio, monitor regularly, and seek professional guidance from a Certified Financial Planner. This approach will help you balance risk and returns effectively, ensuring a secure financial future for you and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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My partner and I have been married for 5 years. Lately, I’ve been feeling lonely in my marriage. My partner and I barely talk, and it feels like we’re just coexisting. How can I bring back the emotional connection and intimacy without making it seem like I’m blaming them for the distance?
Ans: Start by creating opportunities for meaningful interaction. Sometimes the daily routines and responsibilities can create emotional walls, so finding a calm and positive environment for conversation is key. You might begin by sharing your feelings in a way that emphasizes your own experience rather than pointing out what your partner might not be doing. For example, saying something like, "I've been feeling a little disconnected lately, and I miss the closeness we used to share," opens the door for dialogue without sounding accusatory.

Rekindling intimacy often starts with small, intentional efforts to reestablish connection. This might mean setting aside time for each other, even if it’s just a few minutes of uninterrupted conversation at the end of the day. Look for moments to express appreciation for your partner, as this can help rebuild emotional warmth and remind them of the value they bring to your life.

It’s also worth reflecting on whether external stresses might be contributing to the distance. If either of you has been overwhelmed by work, family, or personal challenges, addressing those together can foster a sense of partnership and mutual support. Similarly, revisiting shared memories or engaging in activities you used to enjoy together can help reignite the bond you once had.

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Ramalingam

Ramalingam Kalirajan  |7262 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 14, 2024

Asked by Anonymous - Dec 14, 2024Hindi
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URGENT: I have taken huge loan of 15 Lac ( it started with Rs 10000 initially)but I don't have a job. I am adjusting and paying the interest and i am going on taking loans.. Don't know where it will end. Please help me? Now that I have more money than working in any company, People are giving more and more loan thinking I am well off. Sometimes I feel the only solution is Suicide!
Ans: I’m truly sorry to hear about the immense stress you're facing. It’s essential to know that this situation, though overwhelming, can be resolved with the right steps. Your life is precious, and there are people and strategies to help you regain control over your finances and emotional well-being.

Here’s a step-by-step approach to help you:

1. Immediate Steps to Address Emotional Distress
Reach Out to Trusted People: Speak to a close friend, family member, or counselor about how you’re feeling. Sharing your worries can help lighten the burden.

Professional Support: Consider consulting a psychologist or counselor to address feelings of despair. They can guide you in coping and finding hope.

Suicide Helplines: Helplines like AASRA are available 24/7 in India. They provide non-judgmental support and advice.

2. Stop Taking Additional Loans
Taking more loans will only worsen the debt cycle. Communicate with your lenders honestly and explain your current situation.

Avoid making further financial commitments until a proper repayment plan is in place.

3. Evaluate and Consolidate Existing Loans
Make a List of All Loans: Note down the principal, interest rates, and EMI for each loan.

Debt Consolidation: If possible, consolidate your loans into one with a lower interest rate. This will simplify repayments and reduce the interest burden.

Negotiate with Lenders: Speak to your lenders about restructuring your loans. Many financial institutions are willing to renegotiate terms if they see genuine repayment intent.

4. Cut Down on Unnecessary Expenses
Focus only on essential expenses like food, utilities, and basic needs.

Avoid luxury spending or non-essential purchases until you regain financial stability.

5. Seek Employment or Alternate Income
Explore freelance, part-time, or full-time opportunities that align with your skills.

Start small businesses or use your talents to generate income, even if it's modest initially.

6. Engage with a Certified Financial Planner
A Certified Financial Planner can help create a practical repayment plan and optimise your resources. They can also guide you on managing money better in the future.
7. Prioritise Loan Repayment
Begin repaying high-interest loans first to reduce the overall burden.

Use any additional income to make systematic repayments.

8. Build a Support System
Inform your close family or friends about your financial situation. Their understanding and support can help you through this tough time.

Avoid isolation. Regular interactions with loved ones can provide emotional strength.

Final Thoughts
This phase is challenging, but it’s not permanent. Every problem has a solution, and with the right support and plan, you can overcome this.

Your life and well-being are far more valuable than any financial stress. You are not alone, and help is available. Let’s take this one step at a time, and I assure you, there’s a brighter path ahead.

If you’d like, I can assist you further in creating a repayment strategy or exploring additional income options. Please let me know how I can help.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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Ramalingam

Ramalingam Kalirajan  |7262 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 14, 2024

Asked by Anonymous - Dec 14, 2024Hindi
Money
Dear Mr. Ramalingam, I have been reading your column regularly and feel you are giving great advice. Would like your advice and help in seeing what would be my income going forward per month and will that be adequate and how to supplement it. I am aged 62 in kerala. My wife is 58 not working and unmarried daughter, independently earning, who we hope will get married this year. Savings: 1.2 cr in Fd’s in banks and Post office 66 lakhs in PPF (I have been extending it by 5 years each time) 14 lakhs in NPS 1 lakhs in EPF last employment was in Jun 2024 44 lakhs in shares (portfolio bought many years back based on friends recommendation but only few stocks are doing ok rest is just sitting there) 90 lakhs in Mutual funds with several mutual funds (all in growth plans) 86 lakhs at cost price for A flat where I am staying and empty plot (both fully paid for) Income currently is from: LIC Jeevan Suraksha Plan, receiving Rs. 7,021 per month till death LIC Pradhan Mantri Vaya Vandana Yojana -annual receipt of - Rs. 77,979 (till mar 2032) when I get lumpsum back of app Rs. 10 lakhs New Jeevan Shanti Plan – fully paid up but receipts to commence from Mar 2027 monthly Rs. 36,450.00/- till death of self and wife Interest income from few of the FD or break fd principal when required. Little income from dividends Expense: Tata ULIP 20 yr plan premium of 1 lakhs till last payment in 2026 (2 payments left), mature in 2027, current value is 57 lakhs. TATA AIA Fortune Guarantee Pension – annual payment of Rs. 3,06,000/ till last payment in 2026 (2 payments left). 1,07,000 per year from Apr 2028 for life of both of us and return of premium at end of both lives. Aditya Birla Guaranteed Milestone Plan –Paid Rs. 1,02,500 for 5 year last payment this year. Will receive Rs.8,94,000/ in Dec 2031 has life cover of Rs. 15 lakhs (Worst plan I was conned into taking) Family Health insurance of 8 lakhs cover plus a super top up floater of 5 lakhs, covering all 3 of us approximately 45,000 for both policies 12 year old car with 4,000 insurance policy Other expenses approximately 30,000 per month for food etc. Should I change any of my investment etc to get a better income to meet future needs Thanks
Ans: You have diligently built a robust and diversified portfolio. It includes fixed deposits, mutual funds, real estate, and insurance plans. You also have various annuity and pension products. Your current financial situation showcases foresight and discipline.

However, to ensure your monthly income meets your needs and grows with inflation, some restructuring is necessary. Let’s evaluate your assets and income streams in detail and suggest ways to optimise them.

Existing Income Sources and Expenses

Current Income

LIC Jeevan Suraksha Plan: Rs. 7,021 per month (lifetime income).

LIC Pradhan Mantri Vaya Vandana Yojana (PMVVY): Annual income of Rs. 77,979 till 2032.

New Jeevan Shanti Plan: Monthly income of Rs. 36,450 from 2027 (lifetime for self and wife).

Interest Income: From fixed deposits and dividends from shares.

Current Expenses

Household expenses: Rs. 30,000 per month.

Insurance premiums: Rs. 3,51,000 annually until 2026.

Health insurance: Rs. 45,000 per year.

Asset Analysis

Fixed Deposits

Current Value: Rs. 1.2 crore.

Analysis: While secure, FD returns are low and may not keep pace with inflation. Only retain a portion for emergencies.

Public Provident Fund (PPF)

Current Value: Rs. 66 lakh.

Analysis: PPF offers tax-free and risk-free returns. Continue extending it as a safe long-term investment.

National Pension Scheme (NPS)

Current Value: Rs. 14 lakh.

Analysis: NPS has market exposure, offering potential growth. Partial withdrawal for reinvestment can be considered post-retirement.

Employee Provident Fund (EPF)

Current Value: Rs. 1 lakh.

Analysis: Withdraw and reinvest for higher returns.

Shares Portfolio

Current Value: Rs. 44 lakh.

Analysis: A few stocks are performing, while others are stagnant. Retain fundamentally strong stocks. Sell non-performing ones and reinvest proceeds.

Mutual Funds

Current Value: Rs. 90 lakh.

Analysis: Growth plans are suitable for long-term wealth creation. However, evaluate and streamline the portfolio with the help of a Certified Financial Planner.

Real Estate

Flat: Rs. 86 lakh (self-occupied).

Plot: Value not mentioned.

Analysis: These assets provide stability but do not generate regular income. Retain them as non-liquid investments.

Insurance Plans

TATA ULIP: Current value of Rs. 57 lakh, matures in 2027.

Recommendation: Surrender post-2026 and reinvest in mutual funds for better returns.

TATA AIA Fortune Guarantee Pension: Annual payout of Rs. 1,07,000 from 2028.

Recommendation: Retain as a fixed income source.

Aditya Birla Guaranteed Milestone Plan: Payout of Rs. 8.94 lakh in 2031.

Recommendation: Retain until maturity. Avoid similar plans in future.

Recommendations to Enhance Income

1. Restructure Fixed Deposits

Retain Rs. 30 lakh as emergency funds in liquid FDs.

Reallocate Rs. 90 lakh into debt mutual funds for better post-tax returns. Choose funds with low risk and stable performance.

2. Optimise Shares Portfolio

Retain strong-performing stocks. These can provide growth over the long term.

Liquidate underperforming stocks and reinvest proceeds into equity mutual funds. Select funds aligned with your risk tolerance.

3. Streamline Mutual Funds Portfolio

Review your existing funds to avoid duplication and underperformance.

Retain well-performing funds and shift others to actively managed diversified funds.

Opt for regular funds through a Certified Financial Planner for professional advice and monitoring.

4. PPF and NPS

Continue extending PPF for tax-free returns.

Do not withdraw from NPS until it’s mandated. Allocate the lumpsum received wisely at maturity.

5. Insurance Plan Adjustments

Allow the TATA ULIP to mature and surrender it in 2027.

Retain the TATA AIA and Aditya Birla plans until maturity as fixed income sources.

Avoid high-premium insurance plans in future.

6. Increase Monthly Income

From 2027 onwards, New Jeevan Shanti and other payouts will provide substantial monthly income.

Until then, use dividends, interest from debt mutual funds, and systematic withdrawals from mutual funds for supplementary income.

7. Plan for Inflation

Maintain a mix of equity and debt investments to beat inflation.

Ensure equity exposure is at least 40% of your portfolio for long-term growth.

8. Health Insurance Adequacy

Current health insurance of Rs. 8 lakh with a Rs. 5 lakh super top-up is reasonable.

Review coverage every 2-3 years and increase if necessary.

Final Insights

Your financial portfolio is solid and well-diversified. With minor adjustments, it can provide inflation-adjusted income. Focus on reallocating underperforming assets and streamlining investments. Regular reviews will ensure your wealth grows while meeting your needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

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I am 35, MBA from a reputed college. I recently took over as senior project manager in a software company. Over the last few months, I’ve been asked to lead more high-stakes presentations, but every time I step in front of a group of senior professionals, my nerves take over. I can’t seem to communicate my ideas clearly, and I end up rambling or losing the audience. It’s frustrating because I know the content is strong, but I can’t deliver it with the confidence it needs. I’m starting to feel like this could affect my career growth if I don’t improve. I want to know how to seem more confident and present my ideas with clarity.
Ans: Hi!!

I can understand what you are going through.
I have helped many a people to become better communicators, presenters and public speakers. I agree with you when you say .. that these skills will augur well for your career growth.
What I can say is this .. that it is a learnable skill. Practice and more practice is the only way ahead. You said your content is strong, that is 50% of the job done, so build up on this confidence and practice your delivery in front of the mirror or in front of encouraging family/friends.
The only way to gain confidence is to "JUST DO IT"....to calm your nerves- deep breathing techniques and visualizations techniques will be useful.
I can help you on this journey of being a person who delivers with panache!

There are books by Dale Carnegie on public speaking which can help you out. Also read about Abe Lincoln and his journey of becoming a great orator, it can maybe help you.

Remember, PRACTICE AND PRACTICE is the key to unlock your confidence and become the person who delvers with panache.

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