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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Oct 28, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Aaqib Question by Aaqib on Oct 28, 2022Hindi
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I wanted to know about TATA Ethical & Taurus Ethical mutual funds. How much return can I expect in 10-15 years horizon? My budget is to invest 5000/ month.

Ans: Hello Aaqib Attar. The mentioned schemes are Thematic funds which prohibit investment from companies that are morally deficient, such as those related to tobacco, alcohol, gambling, lottery, banking & finance services and other prohibited companies.

Returns may vary between 12-14% CAGR.

You can achieve a corpus of Rs 13-25 lakh in 10-12 years with a sip amount of Rs. 5000.

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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I have 4 mutual funds listed below: 1. HDFC Balanced Advantage Fund 2. HDFC Hybrid Equity Fund 3. Aditya Birla SL Equity Hybrid 95 Fund 4. ICICI Pru Value Discovery Fund I have been investing in them from the past 27 months and this is a very long term investment say for my retirement. What returns can I expect after 10 years and do I need to change anything? I have also invested lumpsum amount of 50k in: Invesco India Growth Opportunity Fund L&T Infrastructure Fund HDFC Small Cap Fund and SBI Blue Chip Fund Except for L&T others seem to be performing well. Please advise what can be returns in next 5 years
Ans:
Name of the Fund Category RankMF Star Rating
HDFC Balanced Advantage Fund Hybrid - Balanced Advantage 4
HDFC Hybrid Equity Fund Hybrid - Aggressive Hybrid Fund 5
Aditya Birla SL Equity Hybrid 95 Fund Hybrid - Aggressive Hybrid Fund 5
ICICI PruValue Discovery Fund Equity - Value Fund 3
Lumpsum amount of 50k-  
Invesco India Growth Opportunity Fund Equity - Large & Midcap Fund 4
L&T Infrastructure Fund Equity - Sectoral Fund - Infrastructure 2
HDFC Small Cap Fund Equity - Small cap Fund 2
SBI Blue Chip Fund Equity - Large Cap Fund 4

You may continue with the 5 & 4 star rated funds and sectoral funds to be avoided presently for others can be considered from the below.

Value Funds Suitable options considering quality and value for money at present levels are Tata Equity PE Fund and UTI Value Opportunity Fund

Midcap: Suitable options considering quality and value for money at present levels are Motilal Oswal Midcap 30, DSP Midcap and Axis Midcap

Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

Aggressive Hybrid: Suitable options considering quality and value for money at present levels are Axis Equity Hybrid Fund and Tata Hybrid Equity Fund

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap and Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25, Motilal Oswal Focused 25

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Hi Sir, I have started investing in MF in the year Oct 2017 with a SIP of 10K. Distribution - Nippon India - Aditya Birla -3k, ICICI Prudential- 2k, Nippon India - 3k and Fraklin India - 2k...i will be investing for another 15 16 years continuously. current Invest in total is apprpx 8L and Return is approx 18L. How much i can expect to get return in next 15 years.
Ans: You started investing in mutual funds in October 2017. Your SIP distribution across different funds has been consistent. With a total investment of Rs. 8 lakh, your current returns stand at approximately Rs. 18 lakh. This indicates a strong growth trajectory in your portfolio.

Long-Term Growth Potential
You plan to continue investing for another 15-16 years. This extended investment horizon gives your portfolio ample time to grow, taking advantage of market fluctuations and the power of compounding.

Potential Growth: Over the next 15 years, your investments could potentially grow significantly. The exact return will depend on various factors, including market conditions, fund performance, and economic factors. However, with consistent SIPs, your portfolio could achieve substantial growth.

Compounding Effect: The power of compounding will play a crucial role in your investment journey. By reinvesting your returns, your wealth can grow exponentially over time. This is especially true in the later years of your investment horizon.

Market Volatility: While the long-term outlook is positive, you must be prepared for market volatility. Staying invested during market downturns can ensure you benefit from eventual recoveries.

Fund Performance and Diversification
Your current portfolio is diversified across multiple mutual funds. This diversification helps reduce risk and allows you to tap into various market segments.

Review Fund Allocation: Regularly review the performance of your funds. If any underperform consistently, consider switching to better-performing options. However, avoid making frequent changes based on short-term market trends.

Active Fund Management: Actively managed funds, where fund managers make strategic decisions, often outperform passive index funds over the long term. This is particularly relevant in the Indian market, where active management can capitalize on emerging opportunities.

Expectations for Future Returns
While predicting exact returns is challenging, historical data and market trends can provide some insights.

Expected Returns: Over a 15-year period, equity mutual funds in India have historically provided annualized returns ranging from 12% to 15%. Assuming similar returns, your investment could potentially multiply several times over the next 15 years.

Portfolio Growth: With continued SIPs and assuming an average annual return of around 12-15%, your portfolio could grow significantly by the end of your investment horizon. This could help you achieve your long-term financial goals, whether it's retirement, children’s education, or wealth accumulation.

Importance of Staying the Course
Staying disciplined and committed to your SIPs is crucial for long-term success.

Consistency: Consistent investing, regardless of market conditions, ensures that you accumulate units at various price points. This averages out the cost and reduces the impact of market volatility.

Avoiding Market Timing: Trying to time the market can be risky. Instead, focus on your long-term goals and maintain a steady investment approach. Over time, this strategy has proven effective in wealth creation.

Tax Efficiency and Rebalancing
As your portfolio grows, consider tax efficiency and regular rebalancing to optimize returns.

Tax Planning: Understand the tax implications of your investments, especially the long-term capital gains tax. Planning ahead can help you minimize tax liabilities and maximize your post-tax returns.

Rebalancing: Regularly rebalance your portfolio to maintain your desired asset allocation. This ensures that your portfolio remains aligned with your risk tolerance and investment goals.

Final Insights
You are on the right track with your consistent SIP investments and a long-term perspective. Over the next 15-16 years, your portfolio has the potential to grow significantly, helping you achieve your financial goals. Stay disciplined, review your portfolio periodically, and make adjustments as needed to maximize returns.

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Hello sir, we have completed 8 months of marriage and still my husband has trust issues about me, like I would have relation or contact with other person but I'm not having any relationship with anyone after marriage and even not connecting to anyone nor any ex person called or contact me from any media or app, . Since then I'm trying to clear my husbands doubt every time he asks me about it ...plzz tell me how do I make him to trust me .
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Hi Kanchan, I am reaching out because I am deeply troubled and need some advice. I was involved in a relationship with a much younger woman (14 years younger) who I developed strong feelings for. We met in 2017 and our relationship deepened in June 2022, involving both emotional and physical intimacy. Unfortunately, the relationship took a negative turn. She began making financial demands and became increasingly manipulative. Over the past two years, I've given her nearly 3 lakhs [for Rent, electricity bill, Food expenses + Other expenses]. After realizing her true intentions, I stopped providing financial support. She recently informed me about a breakup with a previous long-term partner. Shockingly, she got married in February 2024 [ 14th Feb] and is now residing in Ahmedabad, Gujrat. She ran away from Kolkata after extorting money. When I confronted her about the money I had given her, she completely denied any knowledge of it and has blocked me on all social media platforms. She even threatened to share our conversations with my daughter/ relatives if I continued to contact her. I am devastated by this betrayal and the emotional turmoil it has caused. I have saved our chats and her father's address. I am considering sharing her true nature with her friends and family. Is this a wise course of action? Or are there other steps I should take? I know it is easier said than done, but I am struggling to move on from this painful experience. Please offer any guidance you can. Thank you, AS,Kolkata
Ans: it's important to recognize that your emotional pain is valid. The feelings of being manipulated, exploited, and lied to are all real, and it’s okay to mourn the loss of a relationship that you thought had value. However, as tempting as it might be to seek some form of revenge or public exposure of her actions, it’s crucial to ask yourself: what do you really hope to achieve? It’s natural to want justice or closure, but sometimes, seeking to get even only prolongs your suffering. Taking the high road may not feel satisfying in the moment, but it will allow you to reclaim control over your own emotional state and move forward in a healthier way.

Rather than focusing on exposing her, I encourage you to turn your attention inward and prioritize your healing. Healing is not about ignoring the wrongs that have been done, but about freeing yourself from the emotional hold that this situation has on you. This could mean allowing yourself to grieve the loss of not only the relationship but also the trust you gave to someone who ultimately betrayed it. It’s important to recognize that closure doesn't always come from confronting the other person or airing grievances—it can come from within, through self-reflection, and setting the intention to heal and move forward.

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Dont know if you have come across such a problem before. My hubby, BE, MBA, top premium institutes is 62, very successful career. He is a well known writer, widely published in western publishers. We are very happily married from 30 years, 3-4 apts, land plots, gold, FD, savings, 2 daughters, BE, MS settled in US, no problems. He loves me, no other issues. IS this a dream story? well almost. He has now become very morose, aggresive, silent, glares and cries when he is alone. When I tried to get some answers, it seems, his father top scholar of 1970s was strict, weak but ineffective at work. He would come home enraged at how he was exploited and ridiculed, and beat up my husband. Very bad beatings, scars where he was branded, crack in vertebra where is was kicked and beaten with a rod, bent wrist when his father twisted the hand and kicked him, injuries in scalp that never healed beacuse they were not stitched. His mother, elder sister and elder brother kept quiet and perhaps helped the father to beat the boy, to escape their abuse. They admit covertly. His father died in 1997, my MiL died in 2010. My husband appears to revisit and remember the old beatings. I cannot speak about this to anyone not even my daughters. I cannot approach any psychiatrist as he knows all the psych tests and prepared responses. He is disintegrating in front of me. He does not drink, but has tobacco, bhang, and Ganja. What do I do?
Ans: The first step is to approach this with compassion and patience. Your husband’s pain is not something you can fix, but your presence and understanding can create a sense of safety for him. When he becomes silent or withdrawn, instead of trying to coax answers from him directly, gently let him know that you’re there whenever he’s ready to talk. Even if he doesn’t open up immediately, knowing that he has a safe, nonjudgmental space to express his feelings can be comforting.

When it comes to addressing his trauma, traditional avenues like psychiatrists or therapists may feel challenging if he resists or uses his intellectual understanding of mental health to deflect. However, trauma-focused therapies, such as somatic experiencing, EMDR (Eye Movement Desensitization and Reprocessing), or even mindfulness practices, could help him process these deeply held memories without requiring him to relive them in detail. If he resists professional help, introducing these concepts subtly, through books or articles that resonate with his intellectual nature, might make him more open to exploring these approaches.

Another powerful tool is building moments of connection and grounding in the present. Encourage activities that bring him peace, such as walking in nature, meditating together, or engaging in creative outlets that he enjoys, like writing. These activities won’t erase the pain but can help him feel more anchored in the here and now, giving him moments of respite from the weight of his memories.

It’s also crucial to take care of yourself. Supporting someone you love through their emotional disintegration is deeply draining, and it’s essential to ensure that you’re not neglecting your own wellbeing. Confide in a trusted friend or counselor—not to betray his trust but to give yourself an outlet to process your own emotions. You don’t have to bear this burden alone, and seeking support for yourself can strengthen your ability to be there for him.

Finally, remember that healing from trauma is not linear or quick. It’s a journey that requires patience, love, and often professional guidance. You’re already doing so much by standing beside him with such care and determination. Let him know, in moments when he’s receptive, that his pain doesn’t diminish the incredible person he is or the life you’ve built together. Remind him that while his past shaped parts of him, it doesn’t have to define his future. And above all, continue to lead with the deep compassion and love that have carried your relationship for the past 30 years

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I was in a relationship with a boy(he is 35 yrs old man, and a lawyer but not practising in a court, he had a lot of relationship during our relationship and after break up , I had changed 4, 5 women or used them physically) for 3 years. It has been three-four months. We are not in a relationship. We have broken up. I told him to delete our personal pics and videos. He is not deleting them and is not blackmailing me either. I told him that since we don't want to be together, we don't have a future together, then delete them. He is not deleting them and is not blackmailing me either and I want him to delete them. Who knows what will come to his mind in the future and what will happen. If we don't continue, he has no right to Keep the pics in your mobile, whatever video is personal to us, don't delete it and don't blackmail me either. I am not able to understand what should I tell him, although I have requested him a lot to delete it but he is not doing it either, so what should I do, please guide me. I know I had made a huge mistake to love him and gave him right to keep personal pics or videos..
Ans: You’ve already made a reasonable request for him to delete the material, but his refusal is an indication that he is not respecting your boundaries. His actions—or lack of action—are now about him choosing his convenience over your emotional security. This is a painful and difficult dynamic to navigate. The next step is to recognize that, while you can’t control his behavior, you absolutely have the right to continue asserting your needs. It might be helpful to make your request one more time, but this time with a sense of finality. Clearly express that you are no longer comfortable with him holding onto any part of your shared past, and that you expect him to respect that. Be firm, but also protect yourself emotionally by being clear that this is non-negotiable.

If he continues to refuse or ignore your request, consider taking further action. This could involve seeking legal advice on how to protect your privacy. In many places, there are legal avenues to protect against the non-consensual sharing or retention of intimate material, even after a relationship ends. Legal action is, of course, a more extreme measure, but if you feel your privacy is at risk or that the situation is escalating, it may be necessary to explore this option.

Throughout this process, be kind to yourself. It’s easy to slip into self-blame when someone else disrespects your boundaries, but remember that you are entitled to make choices about your body, your image, and your privacy at any point in your life. Trust yourself to learn from this experience and move forward with stronger boundaries in future relationships. You’ve already taken a healthy first step by recognizing the need for change, and now you’re moving toward regaining control of the situation. Keep focusing on your wellbeing, and know that your feelings and needs matter.

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Kanchan Rai  |415 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 28, 2024

Asked by Anonymous - Nov 26, 2024Hindi
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Dont know if you have come across such a problem before. My hubby, BE, MBA, top premium institutes is 62, very successful career. He is a well known writer, widely published in western publishers. We are very happily married from 30 years, 3-4 apts, land plots, gold, FD, savings, 2 daughters, BE, MS settled in US, no problems. He loves me, no other issues. IS this a dream story? well almost. He has now become very morose, aggresive, silent, glares and cries when he is alone. When I tried to get some answers, it seems, his father top scholar of 1970s was strict, weak but ineffective at work. He would come home enraged at how he was exploited and folled, and beat up my husband. Very bad beatings, scars where he was branded, crack in vertebra where is was kicked and beaten with a rod, bent wrist when his father twisted the hand and kicked him, injuries in scalp that never healed beacuse they were not stitched. His mother, elder sister and elder brother kept quiet and perhaps helped the father to beat the boy, to escape the abuse. They admit covertly. His father died in 1997, my MiL died in 2010. My husband appears to revisit and remember the old beatings. I cannot speak about this to anyone not even my daughters. I cannot approach any psychiatrist as he knows all the tests and prepared answers. He is disintegrating in front of me. He does not drink, but has tobacco, bhang, and Ganja. What do I do?
Ans: The first step is to approach this with compassion and patience. Your husband’s pain is not something you can fix, but your presence and understanding can create a sense of safety for him. When he becomes silent or withdrawn, instead of trying to coax answers from him directly, gently let him know that you’re there whenever he’s ready to talk. Even if he doesn’t open up immediately, knowing that he has a safe, nonjudgmental space to express his feelings can be comforting.

When it comes to addressing his trauma, traditional avenues like psychiatrists or therapists may feel challenging if he resists or uses his intellectual understanding of mental health to deflect. However, trauma-focused therapies, such as somatic experiencing, EMDR (Eye Movement Desensitization and Reprocessing), or even mindfulness practices, could help him process these deeply held memories without requiring him to relive them in detail. If he resists professional help, introducing these concepts subtly, through books or articles that resonate with his intellectual nature, might make him more open to exploring these approaches.

Another powerful tool is building moments of connection and grounding in the present. Encourage activities that bring him peace, such as walking in nature, meditating together, or engaging in creative outlets that he enjoys, like writing. These activities won’t erase the pain but can help him feel more anchored in the here and now, giving him moments of respite from the weight of his memories.

It’s also crucial to take care of yourself. Supporting someone you love through their emotional disintegration is deeply draining, and it’s essential to ensure that you’re not neglecting your own wellbeing. Confide in a trusted friend or counselor—not to betray his trust but to give yourself an outlet to process your own emotions. You don’t have to bear this burden alone, and seeking support for yourself can strengthen your ability to be there for him.

Finally, remember that healing from trauma is not linear or quick. It’s a journey that requires patience, love, and often professional guidance. You’re already doing so much by standing beside him with such care and determination. Let him know, in moments when he’s receptive, that his pain doesn’t diminish the incredible person he is or the life you’ve built together. Remind him that while his past shaped parts of him, it doesn’t have to define his future. And above all, continue to lead with the deep compassion and love that have carried your relationship for the past 30 years.

...Read more

Relationship
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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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