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Ramalingam

Ramalingam Kalirajan  |7159 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 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
ranjit Question by ranjit on Oct 13, 2023Hindi
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what is the best mid cap mutual fund for long term

Ans: Selecting the best mid-cap mutual fund for long-term investment is much like choosing a seed for a tree that you hope will grow tall and strong over the years. Just as every tree needs the right environment, nourishment, and care to flourish, every mutual fund requires careful selection based on its track record, management quality, and alignment with your investment goals.

Mid-cap funds, often referred to as the 'middle children' of the investment universe, have the potential to offer a balance between growth and risk. They represent companies that are beyond their initial growth phase but still have ample room for expansion. However, like any growing tree, they can also be susceptible to storms and droughts in the market.

A Certified Financial Planner can play a pivotal role in helping you navigate this decision. Their expertise can guide you towards funds with a consistent performance history, competent fund managers, and a robust investment strategy tailored to long-term growth.

In the realm of investments, consistency and adaptability are virtues. A fund that has demonstrated resilience across market cycles and has the flexibility to adapt to changing market conditions can be a worthy contender for your long-term investment journey. As you sow the seed of your investment today, may it grow into a robust tree that provides shade and fruit for your future.
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  |7159 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

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Best mutual fund for large and midcap for 5 years.?
Ans: For a 5-year investment horizon in the large and midcap category, you'd want funds that have demonstrated consistent performance, have a solid track record, and are managed by experienced fund managers. While I can't recommend specific funds, I can provide you with guidelines on what to look for:

Consistent Performance: Look for funds that have consistently outperformed their benchmark and peers over various market cycles.
Fund Manager Experience: A fund managed by an experienced and skilled fund manager often performs better. Research the fund manager's track record and investment strategy.
Expense Ratio: Lower expense ratios mean higher returns for investors. Choose funds with a reasonable expense ratio compared to their peers.
Asset Size: A larger asset size often indicates investor trust and confidence in the fund. However, extremely large funds might find it challenging to maintain high returns due to liquidity constraints.
Risk Metrics: Check the fund's volatility and risk-adjusted returns (like Sharpe and Sortino ratios). Lower volatility and higher risk-adjusted returns indicate better risk management by the fund.
Portfolio Composition: Ensure the fund's portfolio aligns with your risk appetite and investment objective. A well-diversified portfolio with a mix of large and midcap stocks can offer stability and growth potential.
Historical Returns: While past performance is not indicative of future results, it can provide insights into the fund's consistency and ability to generate returns.
Fund House Reputation: Opt for funds managed by reputed fund houses known for their ethical practices, transparency, and investor-centric approach.
Lastly, it's crucial to review your investments periodically and make adjustments based on changing market conditions, your financial goals, and risk tolerance. Consider consulting with a financial advisor or doing thorough research before making investment decisions.

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Milind

Milind Vadjikar  |702 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 26, 2024

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Hi Experts, I seek your guidance on my mutual fund portfolio. Below are the details: Total Portfolio Details: - Total Invested Amount: ?15,76,159 - Current Value: ?19,35,234 - Total Returns: ?3,59,075 (+22.78%) - XIRR: 20.75% Monthly SIP Contribution: ?1,18,000 Breakdown of monthly SIP contributions across funds: 1. Parag Parikh Flexi Cap Fund Direct Growth – ?30,000 2. SBI Large & Midcap Fund Direct Plan Growth – ?15,000 3. SBI Magnum Mid Cap Fund Direct Plan Growth – ?20,000 4. Nippon India Large Cap Fund Direct Growth – ?30,000 5. Nippon India Small Cap Fund Direct Growth – ?7,500 6. ICICI Prudential Technology Direct Plan Growth – ?10,000 7. Quant Small Cap Fund Direct Plan Growth – ?7,500 8. HSBC Small Cap Fund Direct Growth – ?5,000 9. Edelweiss US Technology Equity Fund of Funds Direct Growth – ?5,000 Can you suggest if I am on track to create 5 CR corpus in 10 years I have ?25 lakh invested in a Fixed Deposit (FD) in my mother’s account, earning an interest rate of 7.75%, to generate tax-free returns. Additionally, I’m planning to purchase a plot worth ?30–50 lakh in the next 1–2 years. Is it a good idea to keep the money in FD for now, or are there better short-term investment options I should consider to maximize returns while keeping the funds accessible for my future purchase? Looking forward to your suggestions! Thank you!
Ans: Hello;

Your monthly sip value adds upto 1.3 L however you have claimed it to be 1.18 L. (Maybe a typo).

Existing corpus(19.35 L) and monthly sip (1.3 L) won't reach 5 Cr in 10 years.

You have two options to make it happen:

1. Increase monthly sip amount to 1.9 L.

2. Top-up current monthly SIP of 1.3 L by minimum 10% each year for 10 years.

Both ways will lead you to a corpus of 5 Cr over 10 years.

You may consider money market mutual funds for parking your funds for a 1 year horizon. Returns may be comparable to FD returns but with flexibility to withdraw anytime. They typically have low to moderate risk.

Happy Investing;
X: @mars_invest

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Nayagam P

Nayagam P P  |3928 Answers  |Ask -

Career Counsellor - Answered on Nov 26, 2024

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Is doing BBA + Law (Honors) from BITS Law is worth
Ans: Anju, prior to addressing the question, I would like to draw your attention to a recent article in 'The Times of India' which indicates that a majority of law graduates tend to favor employment in corporate settings over practicing in courts. Now, coming to your question, please note, BITS Law School's BBA + LLB (Hons) program is a 5-year program that combines business administration with legal studies. The program focuses on areas such as corporate law, intellectual property, business laws, and dispute resolution. The program offers a strong multidisciplinary approach, preparing students for careers in corporate law, legal consultancy, and management. Its strengths include a business + legal acumen curriculum, industry-driven curriculum, and a reputation for excellence in education and placement opportunities. However, it lacks the legacy and alumni network of top-tier law schools and can be expensive. Career opportunities include corporate and business law, management roles, consulting, entrepreneurship, academia/research, international arbitration, cyber and technology law, corporate governance, and intellectual property rights. The program is worth considering if you aim for a corporate or business law career, are comfortable with the cost and value of the BITS brand, and have excellent industry connections and internships. Build your profile well by the time you complete your BBA+LLB & improve your all other skills required. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

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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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