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Ramalingam

Ramalingam Kalirajan  |8880 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 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 - May 07, 2024Hindi
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I taken Quant small cap fund direct growth, quant flexi cap fund direct growth and motilol oswal midcap cap fund. I need good mutual funds for my portfolio. Which funds can I pick. If any funds better other than this I can shift to those mutual funds. I plan to take 1. small cap(Quant) 2. mid cap 3. flexi cap(Quant or flexi or both) 4. micro cap(Motilal oswal nifty microcap 250 index fund) Is this okay. 10+ years I'll hold mutual funds. Thank you in advance.

Ans: Building a diversified mutual fund portfolio is essential for long-term wealth accumulation. You've made a good start with your selections, but let's explore some additional options to enhance your portfolio:
1. Small Cap Fund (Quant): Quant Small Cap Fund has the potential for high growth but may also carry higher risk due to the nature of small-cap stocks. Since you already have exposure to this segment, it's wise to stick with it if you believe in its growth potential.
2. Mid Cap Fund (Motilal Oswal Midcap Fund): Mid-cap funds like Motilal Oswal Midcap Fund can offer a balance between growth potential and risk. It's a solid choice for diversification.
3. Flexi Cap Funds (Quant or Flexi or Both): Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. Since you already have exposure to Quant Flexi Cap Fund, adding another solid performer in this category can further diversify your portfolio. Look for funds managed by experienced fund managers with a consistent track record of delivering returns.
4. Micro Cap Fund (Motilal Oswal Nifty Microcap 250 Index Fund): Micro-cap funds like Motilal Oswal Nifty Microcap 250 Index Fund can offer exposure to smaller companies with high growth potential. However, micro-cap stocks can be more volatile and risky. Ensure you have a long-term investment horizon and can tolerate fluctuations in this segment.
Considering your investment horizon of 10+ years, you have the advantage of riding out market volatility and benefiting from the potential growth of small and mid-cap companies. However, it's crucial to regularly review your portfolio's performance and make adjustments if necessary. Remember, investing through regular funds with the support of a Mutual Fund Distributor (MFD) can provide emotional support and guidance, especially during market downturns. Keep investing consistently and stay focused on your long-term goals. Good luck!
Asked on - May 07, 2024 | Answered on May 08, 2024
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Thank you sir. I choosen Quant small cap fund, motilol mid cap fund and quant flexi cap fund. I plan to choose Motilal oswal nifty microcap 250 index fund. Generally how many funds should be needed for better growth. I already taken 3 funds. If its needed then I go for Motilal oswal nifty microcap 250 index fund otherwise I don't choose. In my portfolio any found is needed to shift then I'll shift. Please suggest me. I'm in confusion. Thank you in advance.
Ans: It's commendable that you're considering your investment portfolio and seeking guidance to make informed decisions. Let's address your concerns:
1. Number of Funds for Better Growth: The number of funds needed for better growth depends on various factors such as your investment goals, risk tolerance, and portfolio diversification. As you've already chosen three active funds (Quant Small Cap Fund, Motilal Oswal Mid Cap Fund, and Quant Flexi Cap Fund), you've established a diversified portfolio with exposure to different market segments. Adding more funds may not necessarily lead to better growth, as it could potentially increase complexity and overlap in your portfolio.
2. Considerations for Adding Motilal Oswal Nifty Microcap 250 Index Fund: While index funds offer low-cost exposure to market indices, they may not always outperform actively managed funds. One disadvantage of index funds is their inability to actively select stocks based on market conditions or company fundamentals, potentially limiting their ability to generate alpha (excess returns) compared to actively managed funds. Additionally, investing in a microcap index fund like Motilal Oswal Nifty Microcap 250 Index Fund may introduce higher risk due to the inherently volatile nature of microcap stocks. As such, it's essential to carefully evaluate the risk-return profile of this fund and consider whether it aligns with your investment objectives and risk tolerance.
3. Reviewing and Shifting Funds: Periodically reviewing your investment portfolio is crucial to ensure it remains aligned with your financial goals and risk tolerance. If you're considering adding or shifting funds, evaluate each fund's performance, consistency, and fund manager track record. If any fund consistently underperforms or deviates from its investment mandate, it may be prudent to consider replacing it with a better-performing alternative. However, avoid making frequent changes to your portfolio based on short-term market fluctuations, as this can disrupt your long-term investment strategy.
Ultimately, the decision to add Motilal Oswal Nifty Microcap 250 Index Fund or make any changes to your portfolio should be based on a thorough assessment of your investment goals, risk tolerance, and the merits of the available investment options. Consider seeking advice from a Certified Financial Planner (CFP) or financial advisor who can provide personalized guidance based on your specific financial situation and objectives. Remember to stay focused on your long-term investment strategy and avoid making impulsive decisions based on market noise or external factors.
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  |8880 Answers  |Ask -

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

Asked by Anonymous - May 09, 2024Hindi
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Hi all, this I month taken Quant small cap fund direct plan, Quant flexi cap fund direct plan and Motilal oswal mid cap fund direct growth fund. Is this my portfolio is correct. I'm confusing please correct me because Quant small and Quant flexi have some common stcoks. So is this good to continue or else can I choose another funds. If I'm wrong please correct my portfolio. Whats are the funds can I taken for better returns. I can handle risk. I'll hold for 10+ years.
Ans: Assessing Portfolio Composition for Long-Term Growth
Firstly, kudos to you for seeking guidance and being proactive about optimizing your investment portfolio. Let's delve into evaluating your current portfolio and exploring potential adjustments for better long-term returns.

Review of Current Portfolio Composition
Your current portfolio comprises Quant Small Cap Fund Direct Plan, Quant Flexi Cap Fund Direct Plan, and Motilal Oswal Mid Cap Fund Direct Growth. While each fund may offer growth potential, it's essential to consider portfolio diversification and overlap among holdings.

Identifying Potential Risks
As you rightly pointed out, Quant Small Cap Fund and Quant Flexi Cap Fund may have overlapping holdings, potentially leading to concentration risk. Overexposure to certain stocks or sectors can amplify portfolio volatility and hinder overall returns, especially during market downturns.

Recommendations for Optimizing Portfolio
To enhance portfolio diversification and mitigate concentration risk, consider the following adjustments:

Explore Different Fund Categories: Look into diversifying across different fund categories such as large cap, mid cap, and multi cap funds to spread risk and capture growth opportunities across market segments.
Include Funds with Unique Investment Styles: Opt for funds managed by different fund houses with distinct investment philosophies and styles. This ensures a broader range of perspectives and reduces dependence on specific fund managers or strategies.
Emphasize Quality and Consistency: Prioritize funds with a proven track record of consistent performance and adherence to investment objectives. Conduct thorough research and due diligence before making investment decisions.
Potential Fund Options for Consideration
Considering your risk appetite and long-term investment horizon, here are some fund options that you may explore for better returns:

Multi Cap Funds: These funds offer flexibility to invest across market capitalizations based on prevailing market conditions, providing a balanced approach to growth and risk management.
Value-oriented Funds: Funds focusing on value investing principles may offer attractive opportunities to capitalize on undervalued stocks with the potential for long-term growth.
Sectoral/Thematic Funds: Consider allocating a portion of your portfolio to sectoral or thematic funds to capitalize on specific growth themes or emerging sectors, provided you're comfortable with the associated risks.
Conclusion
In conclusion, while your current portfolio includes promising funds, optimizing it for better long-term returns involves diversification, minimizing overlap, and exploring varied investment opportunities. By incorporating a mix of funds across categories and investment styles, you can create a resilient portfolio poised for sustained growth over the long term.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8880 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 08, 2024

Asked by Anonymous - Aug 02, 2024Hindi
Money
I am 62 years old and recently started investing through Sip in below mutual fund. I intend to invest for 8-10 years. 1) Edelweiss Balance Advantage G - Rs.5K 2) HDFC Defence G - Rs.5K 3) Mirae ELSS G - Rs.5K 4) Motilal Oswal Large & Midcap G - Rs.5K 5) Nippon India Power & Infrastructure G - Rs.5K 6) Quant Flexicap G - Rs.5K 7) Quant Midcap G - Rs.5K 8) Quant Value G - Rs.5K 9) UTI Nifty 200 Momentum 30 Index G - Rs.5k Please suggest if the selected funds are good to invest for 8- 10 years period.
Ans: Assessing Your Current Mutual Fund Portfolio

Your portfolio has a diverse mix of funds across various categories. At 62, planning for an 8-10 year investment horizon is commendable. This approach allows you to benefit from market growth while also preparing for retirement. Let's evaluate your selected funds and provide insights into the effectiveness of your portfolio strategy.

Diversification and Fund Categories

You’ve spread your investments across different categories. This is generally a good strategy. But, it’s important to assess if these funds align with your financial goals and risk tolerance. Here’s a breakdown:

Balanced Advantage Fund: This type of fund balances equity and debt exposure. It helps manage risk, especially as you approach retirement.

Sectoral Funds (Defence, Power & Infrastructure): These funds focus on specific sectors. They can be volatile, as their performance is tied to the sector's health. Holding sector-specific funds can lead to concentration risk. It’s crucial to monitor their performance regularly.

Equity Linked Savings Scheme (ELSS): This is a tax-saving instrument. It has a lock-in period of three years. It’s good for long-term wealth creation with the added benefit of tax savings.

Large & Midcap Funds: These funds invest in both large and mid-sized companies. They offer a balance of stability and growth potential. But, they can be subject to market volatility.

Flexicap Fund: This fund has the flexibility to invest across market capitalizations. It allows the fund manager to adapt to market conditions.

Midcap Fund: Midcap funds focus on medium-sized companies. They have high growth potential but also come with increased risk.

Value Fund: This fund invests in undervalued stocks. It has the potential for significant returns but requires patience. Value stocks may take time to realize their potential.

Index Fund: Index funds replicate a market index. They provide broad market exposure. However, they lack the active management that could help navigate market fluctuations.

Key Considerations

While your portfolio is diversified, there are some points to consider for optimization:

Sectoral Exposure: Sector-specific funds like Defence and Power & Infrastructure are high-risk. If the sector performs poorly, these funds can underperform. It’s advisable to limit exposure to such funds.

Index Fund Disadvantages: Index funds like the UTI Nifty 200 Momentum 30 have a passive management style. They can’t adapt to market changes. This could limit potential returns during volatile market conditions. Actively managed funds, guided by experienced fund managers, offer better chances for growth.

Direct Funds vs. Regular Funds: Direct funds have lower expense ratios but require a hands-on approach. If you prefer professional guidance, regular funds through a Certified Financial Planner (CFP) are more suitable. Regular funds also provide access to expert advice, helping you make informed decisions.

Optimizing Your Portfolio

To align your investments with your goals and risk profile, consider these adjustments:

Reduce Sectoral Exposure: Consider reducing your investments in sectoral funds. These funds are more volatile and can impact your portfolio's overall stability. A more diversified approach can help mitigate risk.

Focus on Actively Managed Funds: Shift focus towards actively managed funds. These funds have professional managers who can make decisions based on market conditions. This could potentially offer better returns compared to index funds.

Review Flexicap Allocation: The Flexicap fund in your portfolio provides flexibility in capitalization exposure. Ensure this fund aligns with your overall investment strategy. It should complement rather than overlap with other funds in your portfolio.

Rebalancing and Monitoring

Regular Reviews: At 62, it’s essential to regularly review your portfolio. Ensure your investments align with your evolving financial needs. Consider rebalancing your portfolio annually to maintain your desired risk level.

Risk Management: As you approach retirement, it’s wise to gradually reduce exposure to high-risk assets. This helps protect your capital while still allowing for some growth.

Consult a Certified Financial Planner: Engaging with a CFP can provide personalized advice. They can help tailor your portfolio to your specific needs. This ensures that your investments are optimized for your retirement goals.

Final Insights

Your current portfolio is diverse, which is a positive aspect. However, it’s important to consider the risks associated with sectoral and index funds. Shifting focus towards actively managed funds and reducing sectoral exposure can help optimize your portfolio for better returns. Regular reviews and adjustments will ensure your investments remain aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8880 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 01, 2024

Asked by Anonymous - Oct 31, 2024Hindi
Money
Hi, I’m a beginner to mutual fund and stock market investment. I’m 39 year old and recently started SIP by own. Now my portfolio has 9 different direct mutual funds. I know I should diversify and rebalance my portfolio.. 1) Now I have some quantitative money to invest as lump-sum (3.5 lakhs). So howmany funds I should choose? 2) Is this right time (market downtime as on 31st Oct 2024) invest as lump-sum? 3) Could you please help me with some mutual fund names with good returns over a period of 5 to 10 years? I chose below funds... - Quant Smallcap - ?Motilal Oswal Midcap - ?SBI Contra Fund - ?Motilal Oswal Nifty Smallcap 250 Index Fund - ?Nippon India Multicap fund - ?Motilal Oswal Nifty 200 Momentum 30 Index Fund - ?Parag Parikh Flexicap fund Please advise. Thank you
Ans: You’ve taken an excellent step by beginning your journey into mutual funds and stock markets. Diversifying and rebalancing your portfolio is indeed important, and your current enthusiasm for learning and improving your financial health is admirable. I’ll help you answer your questions and outline an optimal approach to maximise returns while managing risk.

Assessing Your Current Mutual Fund Portfolio
Your existing portfolio of nine direct mutual funds reflects your willingness to diversify. However, managing too many funds can lead to overlap and complexities in tracking performance. Here’s a more streamlined approach that ensures you achieve effective diversification without unnecessary fund overlap.

Limit to Essential Fund Categories: Aim to retain only 4-5 core categories. These include a mix of large-cap, mid-cap, and flexi-cap funds, along with a smaller allocation to contra or sectoral funds for tactical growth.

Avoid Index Funds in This Case: Index funds replicate the market and lack active management, which may limit gains, especially during volatile market phases. Actively managed funds allow skilled fund managers to optimise performance based on market trends.

Reconsider Direct Funds: Investing through regular funds with a Certified Financial Planner (CFP) helps you benefit from professional guidance. While direct funds save on distributor fees, they require significant knowledge and time to monitor effectively. An MFD with CFP credentials will help you align your investments with both market trends and personal goals.

Investment Strategy for Your Lump-Sum Amount
With Rs 3.5 lakhs to invest as a lump sum, your next steps are crucial for maximising returns.

1. Choosing the Right Number of Funds
Limit Fund Selection: For the Rs 3.5 lakh investment, focus on a manageable selection of 4-5 funds. Over-diversification may dilute returns without proportionate risk reduction.

Strategic Allocation: Allocate funds in a way that balances growth with stability. For example, allocate portions to large-cap, mid-cap, and flexi-cap funds, with a smaller allocation to a contra fund if you’re open to moderate risk.

Prioritise Active Funds over Passive Index Options: Actively managed funds allow professional adjustments in line with changing market conditions, aiming for higher returns over time.

2. Timing of Lump-Sum Investment
Market Timing vs. Systematic Approach: As markets can fluctuate unpredictably, consider a phased approach, such as a Systematic Transfer Plan (STP). This way, you can gradually move the lump sum from a low-risk fund to equity funds over a few months, reducing the risk of investing all at once during a downturn.

Assessing Current Market Levels: The market downtime you mentioned may appear tempting, but markets may take time to stabilise. By investing in phases, you mitigate risk while capitalising on potential market rebounds.

Suggested Mutual Fund Categories for Long-Term Growth
Since you’re aiming for a 5 to 10-year period, a well-structured portfolio with actively managed funds is crucial. I’ll avoid suggesting specific schemes and instead outline fund categories that align with your goals.

1. Large-Cap Funds for Stability
Why Large-Cap Funds? These funds invest in established companies, offering stability and consistent growth. Over time, they help anchor the portfolio, especially during market volatility.

Ideal Allocation: Allocate about 30-40% of your lump-sum investment to large-cap funds to ensure stability in your portfolio.

2. Mid-Cap Funds for Growth Potential
Mid-Cap Funds’ Role: Mid-cap funds balance stability with higher growth prospects. While they’re slightly more volatile than large-cap funds, they offer strong potential returns.

Ideal Allocation: Consider allocating 20-25% of your lump-sum investment to mid-cap funds to capture this growth.

3. Flexi-Cap Funds for Market Flexibility
Flexi-Cap Benefits: These funds provide flexibility by investing across large, mid, and small-cap stocks based on market conditions. This helps maximise growth potential while managing risk.

Ideal Allocation: Allocate around 25% of your lump-sum investment here. Flexi-cap funds give fund managers room to adapt the fund based on market trends.

4. Contra or Value Funds for Tactical Growth
Tactical Role of Contra Funds: Contra or value funds invest in undervalued stocks, aiming to capitalise when these stocks eventually rise. They add a contrarian growth element to the portfolio.

Ideal Allocation: Allocate a smaller portion, around 10-15%, to a contra fund to enhance returns while maintaining manageable risk.

Tax Implications to Keep in Mind
Understanding tax implications helps optimise net returns. Here’s a snapshot of the applicable taxes:

Equity Mutual Funds: Gains above Rs 1.25 lakh per annum are taxed at 12.5% for long-term capital gains (LTCG). Short-term gains are taxed at 20%.

Debt Mutual Funds: Both LTCG and short-term capital gains (STCG) are taxed as per your income tax slab. If you include debt funds for a part of your portfolio, consider this in your tax planning.

Additional Recommendations to Strengthen Your Financial Position
1. Build an Emergency Fund
Maintain a separate emergency fund covering at least six months’ expenses. This fund acts as a safety net, ensuring you don’t need to dip into your investments for unforeseen expenses.
2. Term Insurance for Financial Security
Ensure adequate term insurance coverage, providing financial stability to your dependents in your absence. This policy type offers high coverage at low costs, making it an ideal safety net.
3. Health Insurance for Your Family
Having comprehensive health insurance prevents your investment corpus from being impacted by medical expenses. Check for policies that cover critical illnesses for robust coverage.
4. Review Portfolio Regularly with a CFP
A Certified Financial Planner can help assess and adjust your portfolio as needed. Regular reviews allow you to stay aligned with your financial goals and market conditions.
5. Consider Goal-Based SIPs for Future Objectives
While your lump-sum investment supports wealth creation, consider setting up goal-based SIPs to address specific future goals, such as a child’s education or retirement.
Final Insights
Your commitment to long-term investment is commendable. With a structured approach and regular reviews, your portfolio can be geared for strong growth over the next 5-10 years. By focusing on actively managed funds, phased investments, and strategic fund selection, you’re well-positioned to achieve both security and growth.

For any further queries or detailed discussions, please feel free to reach out.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |8880 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 01, 2024

Asked by Anonymous - Oct 31, 2024Hindi
Money
I’m a beginner to mutual fund and stock market investment. I’m 39 year old and recently started SIP by own. Now my portfolio has 9 different direct mutual funds. I know I should diversify and rebalance my portfolio.. 1) Now I have some quantitative money to invest as lump-sum (3.5 lakhs). So howmany funds I should choose? 2) Is this right time (market downtime as on 31st Oct 2024) invest as lump-sum? 3) Could you please help me with some mutual fund names with good returns over a period of 5 to 10 years? I chose below funds... - Quant Smallcap - ?Motilal Oswal Midcap - ?SBI Contra Fund - ?Motilal Oswal Nifty Smallcap 250 Index Fund - ?Nippon India Multicap fund - ?Motilal Oswal Nifty 200 Momentum 30 Index Fund - ?Parag Parikh Flexicap fund Please advise. Thank you
Ans: It’s great to see your interest in diversifying and balancing your portfolio. At 39, your long-term financial planning approach shows strong commitment. Here’s a detailed breakdown to guide your investment decisions and optimise your portfolio.

Reviewing Your Current Portfolio
You’ve chosen a mix of small-cap, mid-cap, contra, multicap, flexicap, and index funds. With nine funds, the portfolio seems diversified but might need some streamlining. This will avoid overlap and ensure that each fund plays a unique role in your portfolio.

Direct mutual funds do have a lower expense ratio, but direct plans require active monitoring and strategy. Opting for regular plans through a Certified Financial Planner (CFP) helps ensure expert guidance and active oversight. Working with an MFD with CFP credentials offers personalised advice, rebalancing, and regular monitoring. This support can improve your portfolio’s performance and reduce the impact of market volatility.

Suggested Portfolio Size and Rebalancing
For a portfolio with Rs 3.5 lakh in lump sum investments, focus on quality over quantity:

Limit to 5-6 Core Funds: Too many funds can dilute returns. A well-chosen selection of 5-6 funds will ensure effective diversification.

Strategic Allocation by Fund Type:

Keep a core fund in each category, such as a flexicap, a mid-cap, and a small-cap.
Add a contra or multicap fund for added diversification.
Avoiding index funds in your portfolio is prudent for a few reasons. Index funds track the market but lack active management. During volatile or bearish market phases, index funds mirror market downturns. Actively managed funds, on the other hand, have fund managers who can make strategic decisions. They aim to deliver higher returns and better manage risk, especially in uncertain times.

Deciding the Right Time for Lump-Sum Investment
Currently, the market is experiencing a downtime. This can be an advantageous period for lump-sum investments, but cautious approach is advised:

Staggered Lump-Sum Investment: Instead of investing all Rs 3.5 lakhs at once, consider a Systematic Transfer Plan (STP). You can allocate the sum in a debt fund and transfer it in smaller amounts into equity funds over 6-12 months. This approach reduces market timing risk.

Systematic Investment Plans (SIPs) for Remaining Investments: If you prefer regular SIPs, continue investing monthly. SIPs lower the risk by buying at different market levels over time, which reduces the impact of volatility.

Selecting Funds with Strong Long-Term Potential
Instead of naming specific funds, focus on categories with consistent, high-performing track records:

Flexicap Funds:

These funds adapt across market caps, balancing growth with stability.
Flexicap funds help manage risk by diversifying across large, mid, and small-cap stocks.
Small-Cap and Mid-Cap Funds:

Small-cap and mid-cap funds bring higher returns potential.
However, small-caps are volatile, so balance their allocation with large or flexicap funds.
Contra Funds:

Contra funds invest against the popular market trend. This strategy can provide higher returns when market cycles turn.
Include a contra fund for diversification and possible gains during market recovery.
Multi-Cap or Large & Mid-Cap Funds:

These funds invest across large, mid, and small-cap stocks but focus more on larger stocks.
Multi-cap funds balance growth potential with stability, a prudent choice for medium-risk investors.
Streamlining Fund Choices and Reducing Overlap
Some of the funds in your current selection, like index-based funds, might have overlapping investments in large-cap or sector stocks. Overlap in holdings can dilute returns. Consider focusing on a unique fund for each category.

Avoid Excessive Small-Cap Exposure: While small-cap funds provide high returns, they also carry higher risk. A single, carefully selected small-cap fund is usually sufficient.

Opt for Active Management Over Index Funds: Actively managed funds can better navigate volatile markets. They aim to maximise returns by carefully selecting stocks, unlike index funds that passively track market indices.

Taxation of Mutual Fund Gains
Understanding mutual fund taxation is essential for maximising your returns:

Equity Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Funds: Gains are taxed as per your income tax slab rate, so it’s wise to keep investments for the long term to maximise post-tax returns.

Setting Up a Monitoring and Review Process
Quarterly or Bi-Annual Review: Revisit your portfolio every few months. A CFP can guide you on this, helping make adjustments based on market and economic changes.

Avoid Frequent Switching: Stick to your selected funds to let them grow. Switching too often can incur exit loads and affect returns.

Final Insights
Your journey into mutual funds and stocks is exciting and full of potential. With a well-planned, diversified approach, you can steadily grow your investments and secure financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Dr Nagarajan J S K

Dr Nagarajan J S K   |929 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jun 09, 2025

Career
Sir good morning I may get 413 in NEET. Is there any possibility to get admission at nursing course in any AIIMS.
Ans: Hi Swapan,
NEET - Nursing?
Extract from neet 2025 bulletin.

13.5 Use of the Result of NEET (UG) - 2025 by other Organizations
The Result of NEET (UG) - 2025 MAYBE utilized by other Entities of Central and State Governments, in accordance with their respective eligibility criteria / other norms /applicable regulations/guidelines/rules. The result data will also be utilized for B.Sc. (H) Nursing courses in accordance with their respective eligibility criteria / other norms /applicable regulations/guidelines/ rules.
The NEET (UG) - 2025 data will also be used for admissions to BVSc & AH
courses under the 15% quota of VCI in recognized Veterinary Colleges.
However, the Council has to approach the MCC of DGHS, MoHFW in order to obtain the said data of results.

Kindly note that AIIMS released the rank list for BSc Nursing (H) - details follows.

ALL INDIA INSTITUTE OF MEDICAL SCIENCES, NEW DELHI
AIIMS-B.SC. (H) NURSING ENTRANCE EXAMINATION – AUGUST 2025 SESSION HELD ON 1st June, 2025
RESULT NOTIFICATION NO. 79/2025
B.Sc. (H) Nursing Entrance Examination-August 2025 Session
Dated: 06.06.2025
The following is the Roll Number wise list of all qualified candidates who have appeared for AIIMS B.Sc. (H) Nursing Entrance Examination – 2025 held on 1st June 2025 and are provisionally eligible for the Mock Round/1st Round of Seat Allocation.

If you to pursue Nursing course at AIIMS, So act quickly....

...Read more

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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