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Ulhas

Ulhas Joshi  |279 Answers  |Ask -

Mutual Fund Expert - Answered on Jun 20, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - Jun 12, 2023Hindi
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Hi Sir need ur help in reviewing my portfolio for long term15-20 years. Axis bluechip-5000 stepup10 % every year. Samco flexi cap-5000 Paragah parik flexi cap-3000 stepup 10 % every year Axis midxap-2000 Pgim India midcap opportunities -2000 Sbi small cap-3000 Nipponindia smal cap-3000 All are direct and growth funds.

Ans: Hello and thanks for writing to me. The funds you invest in are good funds and you can continue to invest in them.
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  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2024

Asked by Anonymous - May 30, 2024Hindi
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Hi Sir, I am investing since 8 yrs. I want to get review on my below portfolio. Please guide me. 1- Kotak Flexi Cap/10000Rs- Planning to exit and start in Parag Parikh Flexi Cap 2- Mirae Emerging Bluechip Fund 25000 3- Kotak Emerging Equity Fund 31000 4- Nippon India Small Cap 25000 5- Canara Rob Small Cap 10000- Just 1 yr before started but thinking to choose different strategy investing fund like Quant Small Cap Should I make these changes or continue same portfolio only or will you recommend some other fund. These all are for long term says 20-25 yrs. 6- HDFC Balanced Advantage Fund 5000 As Long term RD for 5 yrs only Please guide me
Ans: I appreciate your dedication to building a strong investment portfolio over the years. It is clear you have put considerable thought into your financial planning. Let’s assess your portfolio and the proposed changes. I’ll ensure the analysis is straightforward and tailored to your long-term goals.

Portfolio Evaluation
Your current portfolio includes a mix of large-cap, mid-cap, and small-cap funds. This diversified approach can be beneficial for long-term growth. Here's a detailed evaluation:

Flexi Cap Funds
You have Kotak Flexi Cap and plan to switch to Parag Parikh Flexi Cap. Flexi cap funds provide flexibility by investing across market capitalizations. This strategy helps in adapting to market changes. Parag Parikh Flexi Cap has a strong track record. However, before switching, consider if the new fund aligns with your risk tolerance and investment objectives.

Mid-Cap and Small-Cap Funds
Mid-cap and small-cap funds are more volatile but offer higher growth potential. Mirae Emerging Bluechip and Kotak Emerging Equity are robust mid-cap funds with good historical performance. Small-cap funds like Nippon India Small Cap and Canara Rob Small Cap are also included. It's wise to monitor their performance periodically and ensure they fit your risk profile.

Balanced Advantage Fund
The HDFC Balanced Advantage Fund provides a balanced exposure to equity and debt, reducing overall risk. This fund is suitable for moderate risk-takers seeking stability and growth.

Proposed Changes
Exiting Kotak Flexi Cap
Switching from Kotak Flexi Cap to Parag Parikh Flexi Cap is a strategic move. Parag Parikh Flexi Cap has shown consistent performance and a unique investment strategy. Ensure this fund complements your overall portfolio and aligns with your risk tolerance.

Small Cap Funds
You have two small-cap funds: Nippon India Small Cap and Canara Rob Small Cap. Small-cap funds are highly volatile and risky. Consolidating into one robust small-cap fund can reduce complexity and manage risk better. Quant Small Cap is known for its performance, so replacing Canara Rob with Quant could be a good decision.

Recommendations
Maintain a Diversified Portfolio
Diversification helps manage risk and enhance returns. Your current mix of flexi cap, mid-cap, and small-cap funds is well-diversified. Regularly review and rebalance your portfolio to stay aligned with your goals.

Regular Monitoring
Regular monitoring of your funds' performance is crucial. Assess the performance of each fund against its benchmark and peers. This ensures your investments continue to meet your expectations.

Risk Tolerance
Ensure your portfolio aligns with your risk tolerance. Mid-cap and small-cap funds are more volatile, so be prepared for market fluctuations. Balanced advantage funds can provide stability and reduce overall portfolio risk.

Long-Term Strategy
Consistent Investing
Your long-term horizon of 20-25 years is ideal for equity investments. Continue your systematic investment plans (SIPs) to benefit from rupee cost averaging and compounding.

Review Annually
Annual portfolio reviews with a Certified Financial Planner can ensure your investments are on track. Adjustments based on life changes, market conditions, and financial goals can optimize your portfolio.

Conclusion
Your portfolio is well-structured with a mix of funds. The proposed changes can enhance performance and align with your long-term goals. Regular monitoring, diversification, and alignment with risk tolerance are key to successful investing.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 18, 2024

Asked by Anonymous - Jul 14, 2024Hindi
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I am investing 15K per month in these funds : Axis Midcap (2.5K), Quant Small Cap(5K), HDFC Balanced Advantage fund(2.5K), Kotak Focused equity fund(2.5K), Mirae asset large and mid cap(5K). Please evaluate my portfolio as I aim to invest for long term like 15 years, also, I want to increase my investment upto 25k so suggest changes or new funds accordingly. Thanks
Ans: Evaluating Your Current Portfolio
Axis Midcap Fund: Rs 2.5K per month
Quant Small Cap Fund: Rs 5K per month
HDFC Balanced Advantage Fund: Rs 2.5K per month
Kotak Focused Equity Fund: Rs 2.5K per month
Mirae Asset Large and Mid Cap Fund: Rs 5K per month
Analysis
Diversification: Your portfolio is well-diversified across various market capitalizations. You have exposure to midcap, small cap, large and midcap, and a balanced fund.

Risk and Return: Small and midcap funds tend to be more volatile but can offer higher returns over the long term. Balanced funds provide stability and moderate growth. Focused funds can deliver high returns but come with higher risks due to concentrated investments.

Balanced Allocation: You have a good mix of aggressive (small and midcap) and balanced (balanced advantage, focused equity) funds.

Suggestions for Increasing Your Investment
You plan to increase your monthly investment from Rs 15K to Rs 25K. Here's how you can adjust your portfolio:

Additional Investments
Continue with Current Funds:
Axis Midcap Fund: Increase to Rs 4K
Quant Small Cap Fund: Increase to Rs 7K
HDFC Balanced Advantage Fund: Increase to Rs 4K
Kotak Focused Equity Fund: Increase to Rs 4K
Mirae Asset Large and Mid Cap Fund: Increase to Rs 6K
Adding New Funds
Introduce New Funds for Better Diversification:
Large Cap Fund: Add Rs 5K per month. Large cap funds provide stability and consistent returns.
International Fund: Add Rs 5K per month. These funds offer exposure to global markets and help diversify geographically.
Revised Portfolio Allocation
Axis Midcap Fund: Rs 4K per month
Quant Small Cap Fund: Rs 7K per month
HDFC Balanced Advantage Fund: Rs 4K per month
Kotak Focused Equity Fund: Rs 4K per month
Mirae Asset Large and Mid Cap Fund: Rs 6K per month
New Large Cap Fund: Rs 5K per month
New International Fund: Rs 5K per month
Benefits of the Revised Portfolio
Balanced Growth: Increased allocation to midcap and small cap funds enhances growth potential.

Stability: Higher allocation to balanced advantage and large cap funds provides stability.

Global Diversification: Adding an international fund reduces country-specific risks and leverages global opportunities.

Investment Strategy
SIP Continuation: Continue with SIPs for disciplined investing and rupee cost averaging.

Regular Review: Monitor your portfolio every six months to ensure it aligns with your goals.

Rebalance if Necessary: Adjust allocations based on market conditions and life changes.

Additional Tips
Emergency Fund: Maintain an emergency fund equivalent to 6 months' expenses in a liquid fund.

Insurance: Ensure you have adequate life and health insurance coverage.

Final Insights
Your current portfolio is well-structured. With the increased investment and the introduction of new funds, you can achieve better diversification and growth. Regular monitoring and rebalancing will ensure you stay on track to meet your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

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If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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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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