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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on May 12, 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
ASHWANI Question by ASHWANI on Apr 09, 2023Hindi
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which midcap mutual fund is better to invest for 5-7 years?

Ans: Hi Ashwani, thanks for writing to me. You can consider investing in:

1-SBI Magnum Midcap Fund
2-UTI Midcap Fund
3-Kotak Emerging Equity Fund
4-HSBC Midcap Fund
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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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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Dear Sir, I am 40 year old, my take home is 1.41 lacs per month. I have 11 year old daughter and 3.5 year old son. I am investing 12.5k per month in SSY (27 lacs in total) and 12.5k per month in PPF (6 lacs in total). Investing around 4k in SIP in index fund (1.2 lacs) and I have around 30 lacs in FD. I have taken 1cr term insurance and have 10lakhs health insurance for family. FD is not giving me satisfactory returns and not beating the inflation. I am planning to invest 25 lacs in buying a site. I don't have any loans and don't have major commitment other than children education. I request you to guide me on future investments, I would like to get a constant income of 1-1.5 lacs PM after 5-6 years.
Ans: Hi Ajay, understand the SSY and PPF are also not givin you enough returns, your SIP in index funds and FD all are ineffecient return making assets. Buying a site will not ensure liquidity when you will need it the most, and 10L health insurance for a family of 4 is low as well.
Having a constant income of 1-1.5L p.m. means annually 12-18L of income, and to have a passive income like that, your corpus should be 15-16x of the annual income --> which means we are looking at 1.8Cr to 2.7Cr of corpus in the next 5-6 years.
There are a lot of flaws in your investment strategies because at one place you are wanting to lock in money at a site, in SSY and PPF and on the other you are looking to earn 1-1.5L p.m. which is possible through liquid investments.
I would love to help you out, but to me it feels like there is a gap in the knowledge about investments and personal finance. If you are wanting to have a detailed conversation about your investments and where you can park your money to grow it to have the monthly income you want after a certain number of years, visit my website www.slwealthsolutions.com

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I m a 44 yrs old . My salary 85k net per month. Rent income 1.20 lakh per month. Fixed deposit 46 lakh PPF 21.35 lakh Lap loan 46.50 lakh OD loan 6.50 lakh. Mutual funds 2.75 lakhs Shares 3.25 laks Property in Noida, jewar, dwarka , Rohini and faridbad. My wife is earning 50k per month but not contributing in assests we spend his salary on vacations and foods and cloths as she don't want to save. According to her it is my responsibility to provide foods and investment. At this age I m going to lose my jobs. I can manage all things with rental but how can I build up financial assets from here on and my triple source like salary, rental and interest helps me a lot in past. I m simple man with basic needs no extra expenses on me. But kids are in college in class 9 how can I build assests and ensure their good education
Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

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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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