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What fund should I choose for SIP: JM Flexi Cap or Edelweiss Business Cycle?

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 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
Asked by Anonymous - Jul 17, 2024Hindi
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Which fund should I choose for Sip is it JM flexi cap fund? Either should I go for Edelweiss business cycle fund. Investment horizon 15 years. Per month Sip 7-9 k

Ans: Flexi Cap Funds
Flexi cap funds invest across large, mid, and small cap stocks.

They provide flexibility to the fund manager.

This allows for better adjustment to market conditions.

Flexi cap funds can offer balanced growth and risk management.

Business Cycle Funds
Business cycle funds focus on sectors based on economic cycles.

They can outperform in specific market phases.

These funds may be more volatile.

They require precise timing and market knowledge.

Investment Horizon and SIP
Long-Term Horizon
You have a 15-year investment horizon.

This is suitable for equity investments.

Equity funds generally perform well over long periods.

Market volatility can be averaged out.

Monthly SIP
Your SIP amount is Rs 7,000 to Rs 9,000 per month.

SIPs help in disciplined investing.

They benefit from rupee cost averaging.

Regular investments reduce the impact of market fluctuations.

Active Management Over Index Funds
Disadvantages of Index Funds
Index funds track market indices.

They do not outperform the market.

There is no active management.

Returns are limited to the index performance.

Benefits of Actively Managed Funds
Actively managed funds have professional fund managers.

They aim to outperform the market.

They use research and market analysis.

These funds offer potential for higher returns.

Regular Funds Over Direct Funds
Disadvantages of Direct Funds
Direct funds have lower expense ratios.

They lack professional advisory services.

Investors may miss out on expert guidance.

Benefits of Regular Funds
Regular funds come with advisory services.

Investing through a Certified Financial Planner (CFP) offers expert advice.

CFPs help align investments with goals.

They provide regular reviews and adjustments.

Diversification and Risk Management
Flexi Cap Funds for Diversification
Flexi cap funds offer diversification across market caps.

They balance risk and reward.

They adjust to market trends effectively.

Business Cycle Funds for Strategic Growth
Business cycle funds can add strategic growth.

They require careful monitoring.

Investors need to understand economic cycles.

Flexibility and market timing are crucial.

Recommendations
Choosing Between the Two
For a 15-year horizon, consider your risk tolerance.

Flexi cap funds offer stability and diversified growth.

Business cycle funds can provide higher returns with more volatility.

Professional Guidance
Consult a Certified Financial Planner.

They will assess your risk profile and financial goals.

They provide tailored advice and regular reviews.

Balanced Approach
Consider a mix of both fund types.

This balances stability and strategic growth.

Adjust your portfolio based on market conditions and personal goals.

Final Insights
Your 15-year horizon is ideal for equity investments.

SIPs ensure disciplined and regular investing.

Flexi cap funds offer diversified growth and risk management.

Business cycle funds provide strategic growth with higher volatility.

Avoid index funds and direct funds.

Choose regular funds with professional guidance.

Consult a Certified Financial Planner for tailored advice.

Maintain a balanced approach for optimal growth and stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Hello sir, I want to invest between 10-15 k per month in sip for 15 years. Can you please suggest me what funds will be best for me. I selected quant small mid and flexi adity birla sun life PSU , Nippon large cap , Nippon India night small cap 250 index fund Nippon India nifty midcap 150 index .. please suggest
Ans: It's great to hear that you're interested in investing through SIPs for the next 15 years. Here are some recommendations for mutual funds based on your investment preferences:

1. Small & Mid Cap Funds: These funds offer exposure to both small and mid-cap stocks, potentially providing higher returns over the long term. Look for funds that have a consistent track record and are managed by experienced fund managers.
2. Large Cap Funds: Large-cap funds invest in well-established companies with a track record of stable performance. They offer stability and are suitable for conservative investors seeking steady returns over time.
3. PSU Funds: PSU funds focus on investing in Public Sector Undertaking companies. These companies are backed by the government and can offer stability and growth potential. Look for funds with a strong portfolio of PSU stocks.
4. Index Funds: Consider investing in index funds that track specific indices like Nifty Smallcap 250 Index or Nifty Midcap 150 Index. These funds offer diversification and typically have lower expense ratios compared to actively managed funds.
When selecting mutual funds for your SIP investment, it's important to consider factors such as fund performance, expense ratio, fund manager experience, and investment strategy. Conduct thorough research or consult with a financial advisor to make informed decisions based on your risk tolerance and investment goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

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Flexi cap , Large cap and multicap, which is the best fund option from these three for sip for 10-15 years .
Ans: Investing in mutual funds through SIP is a great approach. It brings discipline and helps in wealth creation.

For long-term goals like 10-15 years, selecting the right fund category is important. Let's assess the three options:

Flexi-Cap Funds
These funds have the flexibility to invest across large, mid, and small-cap stocks.

Fund managers adjust allocations based on market conditions.

They aim to capture growth opportunities across market segments.

Performance depends on fund manager expertise in allocation shifts.

Suitable for investors seeking dynamic allocation and diversification.

Large-Cap Funds
Invest in the top 100 companies based on market capitalisation.

These companies have stable earnings and lower volatility.

Risk is lower compared to mid and small-cap segments.

Returns may be moderate but relatively stable over the long term.

Ideal for conservative investors who prefer stability with growth.

Multi-Cap Funds
These funds invest in large, mid, and small-cap stocks, but with fixed allocation rules.

SEBI mandates a minimum of 25% in each category.

Less flexible compared to flexi-cap funds.

Risk and return potential is higher than large-cap funds but lower than flexi-cap funds.

Suitable for those who want exposure to all market segments in a structured way.

Which is the Best Choice for SIP?
For a 10-15 year SIP, flexi-cap funds are the best option.

Reasons:

The fund manager can shift allocation as per market trends.

It offers a balance of stability and high-growth opportunities.

Long-term compounding benefits are maximised with market cycles.

Reduces risk by avoiding over-exposure to any single market segment.

If you prefer stability with steady growth, large-cap funds are a good choice.

Multi-cap funds work well if you want exposure across all segments but with fixed allocation.

Final Insights

Flexi-cap funds are the best option for a long-term SIP of 10-15 years.

Large-cap funds suit investors with a lower risk appetite.

Multi-cap funds are structured but lack flexibility.

Always check the fund manager’s track record before investing.

Reviewing your SIP performance every 2-3 years is essential.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Money
which is the best fund for sip for 10 years ( Flexi cap or Multicap )?
Ans: Flexi?Cap Funds

Can invest across large, mid, and small?caps freely.

Manager makes allocation decisions based on market view.

Offers agility to shift between sectors and market caps.

Multi?Cap Funds

Must maintain minimum allocations (e.g., 25% in each cap segment).

Allocation is more rigid and rule?based.

Aims for diversification across market segments.

Comparing Key Features
1. Allocation Flexibility

Flexi?Cap allows dynamic asset rebalancing.

Multi?Cap provides structure and ensures diversification.

2. Risk and Volatility

Flexi?Cap can overweight mid/small in bull markets (higher returns but more swings).

Multi?Cap is balanced by design (smoother ride, possibly lower growth).

3. Manager’s Role

Flexi?Cap requires skilled manager to time shifts.

Multi?Cap relies more on pre-set cap mix.

4. Performance in Different Phases

In rising markets, Flexi?Cap can outperform with bold allocation.

In uncertain markets, Multi?Cap offers stability via built-in diversification.

Suitability for a 10?Year SIP
If your profile is growth?oriented and you trust the fund manager’s stock selection, Flexi?Cap’s flexibility may enhance returns.
If you prefer structural safety and prioritise consistent diversification, Multi?Cap aligns better with long?term stability.

Advantages of Actively Managed Funds
Active portfolios allow exit before downturns.

Manager oversight provides strategy and discipline.

Avoid index investing—it offers no defence during market turndowns.

Actively managed funds adjust risk, protect capital, and enhance gains.

Importance of Regular (Advised) Plans
Direct plans are cheaper, but may miss timely rebalancing.

Regular plans with a CFP?backed MFD offer structured advice, rebalancing, tax help, and emotional guidance.

Especially helpful over long SIP periods like 10 years.

Integrating in Your Portfolio
You can allocate both, based on your risk and goals:

Aggressive approach: 100% SIP in Flexi?Cap through a well?rated actively managed fund.

Balanced approach:

60–70% Flexi?Cap for growth

30–40% Multi?Cap for built?in diversification and stability

Adjust ratios over time based on market phases and performance.

Tax & Review Strategy
After 1 year, gains above Rs 1.25 lakh in equity are taxed at 12.5%.

Use periodic redemptions to manage tax liabilities smartly.

Review portfolio every 6 to 12 months:

If Flexi?Cap allocation is too high or low, rebalance gradually.

Align with your evolving risk tolerance and goal progress.

Decision Framework
Seek dynamic growth and willing to ride volatility → Go with Flexi?Cap.

Prefer balanced, rule?based diversification → Choose Multi?Cap.

Want the best of both worlds → Use a combination, monitored through CFP guidance.

Final Insights
Flexi?Cap funds give more flexibility and growth potential.
Multi?Cap funds ensure disciplined diversification.
Actively managed regular plans combined with CFP support add risk control, tax efficiency, and emotional discipline.
Choose the fund type that fits your risk appetite, and consider blending both for a well-rounded 10?year SIP strategy.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Nayagam P

Nayagam P P  |10851 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

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Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
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Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
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An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
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Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...Read more

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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