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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  |7012 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  |7012 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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I am a 30-year-old woman from an upper-middle-class business family. I've been in a relationship for the past four years with a man who holds a government job, while I recently completed my MBA and started working at a reputable company. He comes from a modest background, and we are from different castes. About a year and a half ago, I introduced him to my family as a potential partner, but they were strongly opposed to the idea. At the time, I decided to let it go, but now I feel compelled to try again. However, I’m uncertain about how to approach my parents, and with time passing, I find myself questioning the decision to marry someone from a different background. What should I do?
Ans: First, it might be helpful to reflect on your relationship itself. After four years, you likely know each other well, and it’s good to take stock of what you value in your partner. Think about whether you see a long-term future together, especially in terms of shared goals, values, and mutual support. These are the foundational elements that matter most, regardless of background or status. If you’re truly aligned, you can have confidence that you’re making a choice based on a solid partnership.

If you’re still sure about moving forward, you can prepare to approach your parents again. This time, try focusing on helping them see him as a person rather than through the lens of caste or financial background. Highlight his qualities—his character, values, work ethic, and the positive impact he has on your life. Family resistance often stems from fears about compatibility or security, so if you can show them that he’s a stable, dependable person who brings happiness and balance to your life, it may help ease their concerns.

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hello, I'm a 49F married for 21years. It was an arranged match, and from day one my husband and sister have not gotten along. I've also been naive and under my sister's control for a long time, which has angered my husband a lot. In March they both had a verbal altercation and have not been on talking terms. Now my husband is not letting my 18y son meet my sister. My husband is demanding a sorry from my sister, post which only my son can meet her. I'm really sad as my sister dearly loves my son, also I don't feel its morally right to involve children in family politics. And my sister will not apologize to my husband. Need help to understand on how to get my innocent son out of this mess. My husband is very controlling, very angry, very interfering person, overall he has a very negative perspective on everything.
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With your sister, if you have a trusting relationship, consider sharing that her relationship with your son is important, but so is reducing tension in the family. Without asking her to apologize, you might just express that a little openness on her part could make a big difference in helping your son maintain his connections.

This might take time to work through, and that’s okay. In the meantime, keep reassuring your son that he’s loved by everyone. Explain to him that sometimes adults have disagreements, but it doesn’t change the fact that he’s cared for. Keeping those bonds strong now could help everyone come to a better place down the line.

This is a tough situation, but focusing on your values—family harmony and your son’s well-being—can help guide you through it.

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Pradeep

Pradeep Pramanik  |176 Answers  |Ask -

Career And Placement Consultant - Answered on Nov 12, 2024

Asked by Anonymous - Oct 29, 2024Hindi
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Pradeep, I am a professional with more than 17 years of experience in Operations, team management. Currently I have started working in a global MNC in a global position. Earlier I was working with the same organization for more than 10 years. Then during Covid, I lost my job. Finally, settled down with another company with almost 40% less salary. Though I loved the role and responsibilities there. I was a Senior Team Lead there. I liked the role where I was managing the team, working with the team. But due to some internal politics, I lost my job in that organization too in this year only. Why I am saying politics? Because just before they fired me, I got best performer award and best employee of the last quarter 2024 award. Then I rejoined my old organization with lots of hope. But now I am finiding it difficult to cope up in this global role. The top management expected me to know everything within 3 to 4 months and start delivering. One of the biggest hurdle that I am facing is that earlier when I was in this organization for more than 10 years, I was in another process. This time I got in a role where the process is completely different. Also no proper training is provided. I am not get a fulfiling satisfaction from this role. Also I am not able to get job satisfaction and now I am thinking of quitting and start something of my own. A business venture or a consultancy service. But not sure how to start and also afraid of the flow of income. I have a mother who is suffering from age related problems. Have a little kid of 12 years. My wife is not working. I tried to switch jobs. But it seems that no one is there to take someone who is almost at 45 years of age. I am loosing my hope and confidence day by day. Please help.
Ans: Dear... Request you to mention the question in precise way to understand what exactly you require from us. Big question normally indicates state of confusion somewhere hence difficult to repply which will satisfy you.

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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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