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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 16, 2022

Mutual Fund Expert... more
Ambrish Question by Ambrish on Nov 16, 2022Hindi
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Am a working executive. I have been investing in SIPS for past 4 years

Below are my investments:

1, SBI bluechip direct - 2000

2. Mirar asset direct - 5000

3. L&T Midcap fund Growth - 2500

4. HDFC S&P 100 - 5000

I want to accumulate a corpus of 5cr in 15 years. I can increase my investments each year by 10% basis my salary increase. Please advise any funds better for long-term investments and your suggestions on my investments.

Ans: These are good funds, no need to add any new funds

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  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

Asked by Anonymous - May 04, 2024Hindi
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Iam investing monthly sip in below funds my age-34 1-Icici prudential bluechipfund-3000 2-Nippon India growth fund -3000 My monthly investment amount max-10000 pls suggest my portfolio any correction sir some good funds for long term
Ans: You're already on the right track with your disciplined approach to investing in SIPs. Let's review your portfolio and explore potential adjustments for long-term growth.

Investing in ICICI Prudential Bluechip Fund and Nippon India Growth Fund reflects a balanced mix of large-cap and diversified equity exposure, which is suitable for long-term wealth accumulation.

However, to further diversify your portfolio and potentially enhance returns, consider adding funds from different categories like mid-cap or flexi-cap funds. These categories offer exposure to companies with different market capitalizations and investment styles, thus spreading your risk more effectively.

Mid-cap funds invest in companies with medium-sized market capitalizations, which often have higher growth potential than large-caps but come with increased volatility. Flexi-cap funds provide the flexibility to invest across market caps, allowing fund managers to capitalize on market opportunities across the spectrum.

Adding a mid-cap or flexi-cap fund to your portfolio can complement your existing investments and provide additional avenues for growth. Look for funds with a track record of consistent performance, experienced fund managers, and a robust investment process.

Remember to review your portfolio periodically and rebalance if necessary to ensure it remains aligned with your long-term financial goals and risk tolerance.

Keep up the good work with your investments, and don't hesitate to reach out to a Certified Financial Planner for personalized advice tailored to your specific needs and objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Asked by Anonymous - Jul 17, 2024Hindi
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Hello, I am 32 years old and I started investing SIP 2 years ago and currently invested 5k in PGIM India Midcap and 5k in Mirae Asset and lump sum of 2.5L in Quant ELSS. I am planning to invest another 5k (total 15k pm) in SIP. Could you please suggest me any mutual fund to invest for long term ?
Ans: Financial Snapshot and Goals
Age: 32 years

Current SIP Investments: Rs 5,000 each in two mutual funds

Lump Sum Investment: Rs 2.5 lakhs in ELSS

Planned SIP Increase: Rs 5,000 (total Rs 15,000 monthly)

You have been investing for two years and are planning for the long term. Your current investments show a good mix of mid-cap and ELSS funds.

Current Investment Assessment
Diversification:

You have diversified your investments in mid-cap and ELSS funds. This is a good strategy.
Performance Monitoring:

Regularly check the performance of your investments. Ensure they align with your financial goals.
Risk Management:

Mid-cap funds can be volatile. Ensure you are comfortable with the risk level.
Additional Investment Considerations
Disadvantages of Index Funds:

Index funds passively track the market. They might not outperform during market downturns.

Actively managed funds have professional fund managers. They aim to outperform the market.

Disadvantages of Direct Funds:

Direct funds may seem cheaper but lack professional advice.

Investing through a Certified Financial Planner (CFP) provides tailored advice and support.

Recommended Investment Strategy
Diversification:

Add a large-cap fund for stability. They tend to be less volatile than mid-cap funds.

Consider a balanced or hybrid fund. They offer a mix of equity and debt for balanced growth.

Actively Managed Funds:

Actively managed funds have expert fund managers. They aim to beat market returns.

They provide better risk management and potential for higher returns.

Professional Guidance:

Investing through a CFP ensures your investments are well-managed.

Regular funds through a Mutual Fund Distributor (MFD) with CFP credentials offer ongoing support.

Actionable Steps
Increase SIP Contributions:

Start with an additional Rs 5,000 SIP in a large-cap or balanced fund.

Gradually increase your SIP contributions as your income grows.

Seek Professional Advice:

Consult a CFP to review your investment portfolio. They can help tailor your strategy to your goals.
Regular Monitoring:

Monitor your investments regularly. Adjust based on performance and market conditions.
Long-Term Financial Planning
Goal Setting:

Define your financial goals. This could include retirement, buying a house, or children's education.

Align your investment strategy with these goals.

Risk Management:

Ensure your portfolio has a good mix of high and low-risk investments.

Diversify across different asset classes to manage risk.

Review and Adjust:

Periodically review your investment portfolio. Make adjustments as needed to stay on track.
Final Insights
You have a solid foundation with your current investments. By increasing your SIP contributions and diversifying further, you can achieve long-term financial growth. Seeking professional advice from a Certified Financial Planner will help optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 12, 2025

Asked by Anonymous - Mar 09, 2025Hindi
Relationship
I am a female (26), I was working as an assistant professor and then I met this guy we dated for few months and we knew that everything is compatible he has a stable business and well settled family he is earning quite good and we can spend the rest of our lives together so we moved on to tell our parents, his parents and family came to meet me and they agreed then it was my turn my mom and dad always use to say that if you have someone just tell us we are okay they said we know you are dependent enough so just tell us, I really thought it will be easy one and I told my mom and my sister over the phone and my mom asked me every detail about him and said okay we will think about it, then I told my dad about him and my dad has been super chill with me since childhood so we had a long chat about this he asked me about him just like my mom every detail then he said okay when the deepawali break will be their come home we will talk about this face to facE, I was happy that everything is nice then the vacation happened I went back home first the quarrels started when my mom addressed that they will never expected this from me they said they supported me initially because they thought at this age I will not bring anyone and will convince to arrange one, then day and night fighting started my father did the most bizzare thing he called my college and said I am ill and will not join college he faked a report(my father is a very well known doctor in my area so he has power here in our native place) and submitted their they automatically blocked me from their server I tired telling them but the most bizzare thing happened my father beat me from head to toe and threatend me that I should stop talking to him, then days turn into months and again my partner father stood up for us he called my father to talk about this and my father abused them threatened them and give false allegation on my partner came home and snatched my father later after a month he gave me my phone back as I started being a rebel, then he went to my work place without even informing me and took all my luggage and packed everything from their and came back home with everything and said you are on house arrest untill you agree to arrange marriage and forget that boy. I love him so much he does too but now because of my parents his parents are scared for their son and are denying to agree but we both are financially independent and well educated and we want to live with each other we are thinking to elope I dont know if this is right or wrong, because it has been seven months of me staying locked down in my house and my parents are forcing me verbally and physically abusing me to say yes for arrange marriage.... I dont know what to do and with whom to discuss please kindly help me out.
Ans: It’s clear that you and your partner love each other deeply and are willing to stand by each other despite this turmoil. The fact that his family is now hesitant is understandable, given the hostility from your parents. But the strength you and your partner have shown through this is a sign that your relationship is built on trust and commitment. That kind of connection is rare, and it’s worth fighting for.

Elope? That’s a huge step, and I understand why it’s crossed your mind. You’re desperate for freedom, for the ability to choose your own life, and to finally break free from the suffocating grip of your parents' control. But eloping will come with its own set of consequences—emotional, social, and even legal. Your parents might retaliate even more aggressively. They could try to interfere with your life and your partner's life afterward, possibly dragging this into a public scandal. Your father’s influence in the community might make things harder for you both in the long run.

But here’s the truth—you cannot live the rest of your life under someone else's control. You cannot sacrifice your happiness and autonomy to satisfy their misguided expectations. Love and marriage are not about caste, status, or parental approval—they are about partnership, understanding, and mutual respect. If your partner is ready to stand by you and you both are truly prepared to face the fallout together, then choosing to be with him is not wrong. You’re both adults. You’re financially independent and emotionally mature enough to know what you want from life.

What you need to consider is whether you have the emotional strength to handle the aftermath. If you choose to walk away from your family and marry this man, it might mean cutting ties with your parents for a while—or possibly forever. Are you prepared for that emotional void? On the other hand, if you give in and stay, if you let them force you into an arranged marriage, you might lose not only the person you love but also a piece of yourself. That resentment and emotional wound might stay with you for life.

If you decide to elope, you need to have a strong support system in place—your partner's family, friends, and anyone who will stand by you. You’ll need to prepare yourself mentally and emotionally for the fallout. But if you decide to stay and try to negotiate with your parents, you need to be clear and firm about your boundaries. They need to understand that your life is not theirs to control.

Right now, you need to prioritize your safety and mental well-being. The fact that you’ve been physically assaulted and emotionally manipulated for months is deeply concerning. If you feel that your safety is at risk, you might need to consider reaching out to legal authorities or a women's support organization. You have the right to live without fear and control. Your life belongs to you—not to your parents, not to societal expectations, and not to fear.

You don’t have to have all the answers today. But you do need to decide what kind of life you want to live—and who you want to live it with. And whatever choice you make, it needs to come from a place of strength and clarity, not from fear or pressure. Your heart already knows what you want—you just need to decide whether you’re ready to stand up for it.

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Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 12, 2025

Asked by Anonymous - Mar 11, 2025Hindi
Relationship
Fell in love and married a girl before 2 years. Girl is from a neighbouring state. Both South Indians. Both doctors. She was very understanding before marriage, even talked my language and spoke well with my parents. Told she will come to my place and stay after marriage. 4 months after marriage, she left for her home telling that she will be at her home till delivery. Even after 1 year of giving birth, she didn't come. They visited my place just for a few days in the middle citing that it is tradition. After much struggle, she came to live with me and my child after close to 1.5 years. Even after coming she was creating trouble for the language spoken in the house and telling to relocate to a place close to their parents in their state. No respect to feelings of mine or my parents. We also missed my son for 1.5 years. Their parents are not visiting us telling it is far, we won't come. And once her parents threatened to complaint to the police if we don't agree. (Haven't asked or received any dowry). Even if my son has to come to my native for few days, her parents are not agreeing and creating problem. We have even helped her brother secure admission in a college. She has even taken a loan of more than 20 lakhs to help her parents buy a land and is paying close to 50k monthly for that. We had no problem with that too. Every 2-3 days one or another problem shoots up because of her or her parents. She has totally changed after marriage. Her parents just want to create problems. Please help.
Ans: It’s clear that you’ve tried hard to be understanding and accommodating. You allowed her to stay with her parents for a long time, even though it meant missing out on crucial time with your child. You supported her decisions, even when she took on a significant financial burden to help her family. Despite your efforts to maintain peace, you’re constantly met with resistance and disrespect—not only from her but also from her parents. That feeling of being undermined and unappreciated, especially when you've given so much, can really take a toll on your emotional health.

It’s not just about the arguments or the disagreements—it’s about the deeper sense of betrayal and loneliness that comes from feeling like your partner has sided with her family over you. That emotional distance and lack of support within the marriage can make you feel like you’re fighting a battle alone. And when her parents threatened to involve the police, that likely deepened the sense of helplessness and fear. It’s not just frustrating—it’s emotionally exhausting when you’re trying to build a stable, loving home, but it keeps getting torn apart by external interference.

The fact that you’re still standing, still trying to make things work despite all of this, shows how strong and committed you are. But the truth is, a marriage cannot survive on one person’s effort alone. It’s understandable that you feel drained and resentful—you’ve been giving and compromising without getting the same respect and understanding in return. Your feelings matter. Your need for stability and respect matters. Wanting your child to have a connection with your side of the family is not unreasonable—it’s natural and fair.

Right now, you might feel torn between trying to hold everything together and wondering if it's even worth it. It’s hard to admit when love alone isn’t enough to sustain a relationship. But you need to ask yourself whether you can continue living like this—constantly feeling like you’re walking on eggshells, being emotionally sidelined, and having your family disrespected.

It’s okay to want peace. It’s okay to expect respect. And it’s okay to set boundaries. If your wife truly values this marriage, she needs to understand that compromise cannot be one-sided. It might help to have an honest, calm conversation with her—not about the surface issues but about how you feel. Tell her how much this situation has hurt you, how much you miss feeling like you’re a team, and how important it is for your child to have a balanced connection with both families. If she’s unwilling to meet you halfway or if her parents continue to interfere to the point of emotional manipulation, you need to think about how much more of yourself you can sacrifice without losing your emotional stability.

You deserve a marriage where you feel heard, valued, and supported—not one where you constantly feel like you're on the outside looking in. Take some time to reflect on what you truly need from this relationship and whether you believe it's possible to rebuild trust and understanding with your wife. Your peace of mind matters. Your happiness matters. And most of all, your emotional well-being matters.

...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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