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Should I Invest in These Funds?: A Reader Seeks Advice

Ramalingam Kalirajan |7720 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 10, 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

Question by Mike on Nov 10, 2024Hindi

Money

Thanks a lot Sir for your valuable suggestions, I have selected following funds for investment, looking for your kind advise. Parag Parikh Flexi Cap Fund- 35%, Mirae Asset Midcap Fund 20%, Nippon India Small Cap Fund 15%, ICICI Prudential Balanced Advantage Fund 25% and International Fund Motilal Oswal Nasdaq 100 FOF 5%. Regards

Ans: Your fund selection shows a well-diversified approach across flexi-cap, mid-cap, small-cap, and balanced categories. However, consider reducing exposure to international funds due to currency and market-specific risks. Consulting a Certified Financial Planner like us can help tailor these allocations to your specific goals, risk profile, and investment horizon for optimal returns and balance.

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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Question by saurabh - Apr 29, 2023Hindi

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I am a 37 year old govt employ investing in following funds monthly 1) sbi equity hybrid (4000) 2) sbi focussed equity (3000) 3) sbi large and mid cap (4000) 4)mirrae asset large cap(2000) 5) parag parek flexi cap (5000) Kindly review my portfolio with the aim of capital growth over long term.also I want to invest about 7000 more.kindly suggest good funds for same

Ans: Hellpo Saurabh. Your current portfolio report is well chosen. I would suggest to reconsider sbi focused fund. You can increase the sip in sbi large and mid cap and also introduce small cap category in your portfolio for long run.

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Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 12, 2024Hindi

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Hello sir, I am investing in the following funds. 1) SBI mid and large cap 10000rs 2) SBI Contra Fund 5000 rs 3) Paragh Parik Flexicap 5000 rs I am planning to invest 15000 rs in HDFC Midcap opportunities and 20000 rs in SBI bluechip fund. Please guide me if these funds are good or shall I look for some other funds.

Ans: It's wonderful to see your commitment to financial planning. Let's dive into shaping your investment strategy:

• Firstly, I commend you for taking the initiative to invest and secure your financial future.
• It's a wise decision to seek guidance from a Certified Financial Planner like myself to navigate the complexities of investing.

• As we embark on this journey together, let's prioritize understanding your financial goals, risk tolerance, and investment horizon.
• Your unique circumstances and aspirations will guide us in crafting a tailored investment plan that aligns with your needs.

• Remember, investing is not just about chasing returns; it's about achieving your financial objectives while managing risk effectively.
• We'll focus on building a diversified portfolio that balances growth potential with stability to withstand market fluctuations.

• Mutual funds can be a powerful tool in your investment arsenal, offering access to a wide range of asset classes and investment strategies.
• By spreading your investments across different mutual funds, we can mitigate risk and optimize returns over the long term.

• It's essential to review your investment portfolio regularly and make adjustments as needed based on changing market conditions and your evolving financial goals.
• Consult a Certified Financial Planner, to provide ongoing support and guidance to keep you on track towards financial success.

• Lastly, remember that investing is a journey, not a destination.
• Stay disciplined, stay informed, and stay focused on your long-term objectives.

• With dedication and prudent decision-making, you can build a robust investment portfolio that paves the way for a secure and prosperous future.
• Together, let's turn your financial aspirations into reality. You're on the path to financial freedom, and I'm here to help you every step of the way.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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