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36 year old - Investing in SIP, Index Funds & Gold - Seeking Expert Advice

Ramalingam

Ramalingam Kalirajan  |9854 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
Gowdham Question by Gowdham on Jul 22, 2024Hindi
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Hi Sir, I am working in UAE. My portfolio is as given below. SIP - SBI Small cap fund & SBI Flexicap fund - 25000 monthly each Axis Nifty 100 Index Fund - 40000 monthly Nippon India Small Cap 250 Index fund - 25000 monthly. Gold Scheme in UAE - 1000 AED (around 22600 INR) monthly US Investment - 400 USD (32000 INR) monthly I started investing from 2017 with 2000 SIP in SBI Small cap and increased over the years as my salary increases. My current corpus is around 35Lakh. Your advice on this.

Ans: Investment Review
Current Portfolio Breakdown
Systematic Investment Plans (SIPs): Investing Rs 25,000 monthly in small-cap and flexicap funds. An additional Rs 40,000 in a large-cap index fund, and Rs 25,000 in another small-cap index fund.
Gold Scheme: Investing AED 1000 (around Rs 22,600) monthly.
US Investment: Investing USD 400 (around Rs 32,000) monthly.
Portfolio Assessment
Systematic Investment Plans (SIPs)
Your commitment to SIPs is commendable. SIPs help in rupee cost averaging and instill financial discipline. You have a balanced mix of funds, which is a good strategy. However, let's analyze further.

Small-Cap and Flexicap Funds
Small-cap funds offer high growth potential but come with high risk. Flexicap funds provide flexibility to invest across market capitalizations, balancing risk and return. Your consistent investment since 2017 shows dedication, which is excellent.

Index Funds
Index funds offer low expense ratios and diversification. However, they lack the potential to outperform the market since they only mirror it. Actively managed funds, on the other hand, may outperform through expert stock selection and timely portfolio adjustments.

Gold Scheme
Gold is a traditional hedge against inflation and currency depreciation. Your investment in a gold scheme diversifies your portfolio, adding a layer of security against market volatility. This is a wise choice, especially considering the global economic uncertainties.

US Investments
Diversifying into international markets, especially the US, is beneficial. It spreads risk and can offer exposure to high-growth markets. Your monthly investment here shows foresight and strategic thinking.

Strategic Recommendations
Diversification and Risk Management
Actively Managed Funds: Consider shifting from index funds to actively managed funds. These funds are managed by experienced professionals who can adapt to market changes and potentially offer better returns.

Review Fund Performance: Regularly review the performance of your current SIPs. Ensure they align with your financial goals and risk tolerance.

Gold Investment: Continue with your gold scheme. Gold acts as a safe haven during economic downturns.

Investment Horizon and Goals
Long-Term Focus: Maintain a long-term investment horizon. This helps in riding out market volatility and benefiting from compounding.

Goal-Based Investing: Align your investments with your financial goals. Whether it’s buying a house, funding your child's education, or planning for retirement, goal-based investing ensures you stay on track.

Cost and Expense Management
Regular vs Direct Funds
Regular Funds: Investing through a certified financial planner (CFP) can be advantageous. They provide expert guidance, helping you navigate market complexities. Direct funds might have lower expense ratios, but the lack of professional advice could be a downside.

Expense Ratios: Keep an eye on the expense ratios of your funds. Higher expense ratios can eat into your returns over time. Opt for funds with reasonable expense ratios without compromising on performance.

Monitoring and Rebalancing
Regular Review
Quarterly Reviews: Conduct quarterly reviews of your portfolio. This helps in assessing the performance and making necessary adjustments.

Rebalancing: Rebalance your portfolio periodically. This ensures it remains aligned with your risk profile and financial goals.

Final Insights
Your investment strategy shows a strong commitment to building a diversified and robust portfolio. With some fine-tuning and professional guidance, you can optimize your investments for better returns and reduced risk. Regular reviews and goal alignment are key to your financial success.

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  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

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Hello Sir, myself Venkatesh aged 35 working in PSU current monthly takehome salary is Rs.1.20lac investing Rs.1,50,000/- in PPF per annum, havings corpus in fixed deposits around Rs.30lacs, investing in Mutual funds through monthly SIP of Rs.8000/- in three funds from past 3years 1.Parag Parikh Flexi Cap Fund-Reg(G)- 3K 2. Mirae Asset Large Cap Fund-Reg(G)- 3K 3. Axis Focused 25 Fund-Reg(G)- 2K. Now i want to invest another Rs.15,000/- per month for 18-20years and also advise by what amount i can stepup my existing portfolio for better returns.
Ans: Dear Venkatesh,

Thank you for sharing your financial details and investment strategy. Your disciplined approach towards saving and investing is commendable, and it's great to see your proactive efforts towards planning for the future.

Considering your current financial situation and goals, here's a suggested plan for investing an additional ?15,000 per month and optimizing your existing portfolio:

New Investment of ?15,000 per Month:

Given your investment horizon of 18-20 years, you have the opportunity to invest in equity-oriented mutual funds to potentially achieve long-term growth.
Since you already have exposure to flexi-cap, large-cap, and focused equity funds, you can consider diversifying further by investing in mid-cap or multi-cap funds to capture opportunities across different market segments.
Allocate the additional ?15,000 per month across 2-3 mutual funds to ensure proper diversification and mitigate risk.
Portfolio Step-Up:

Evaluate the performance of your existing SIPs in Parag Parikh Flexi Cap Fund, Mirae Asset Large Cap Fund, and Axis Focused 25 Fund.
Consider increasing your SIP contributions gradually over time to capitalize on the power of compounding and accelerate wealth accumulation.
Utilize the step-up SIP feature offered by mutual fund platforms to automatically increase your SIP amounts by a predefined percentage or fixed amount annually.
Review your portfolio periodically and adjust your SIP contributions as needed to stay aligned with your investment goals and risk tolerance.
Regular Review and Rebalancing:

Periodically review your investment portfolio and asset allocation to ensure that it remains aligned with your financial goals and risk tolerance.
Rebalance your portfolio as needed to maintain your desired asset allocation and optimize returns. This involves selling overperforming assets and reinvesting the proceeds into underperforming or undervalued assets.
Consultation:

Consider consulting with a qualified financial advisor who can provide personalized guidance tailored to your financial objectives and risk profile.
An advisor can help you assess your current portfolio, identify any gaps or areas for improvement, and recommend suitable investment options to achieve your long-term financial goals.
By following these steps and staying disciplined with your investment strategy, you can work towards building a strong financial foundation and achieving your financial aspirations.

Best regards,

Ramalingam, MBA, CFP
Chief Financial Planner

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

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Hi, I am 23 years old earning a salary of 108k per month after all deductions. I am doing SIP of 21k per month in these following funds:- 1. Parag Parikh Flexi Cap Fund:- 3500 2. Quant Flexi Cap Fund:- 3500 3. Nippon India Large Cap Fund :- 3000 4. Motilal Oswal Mid Cap Fund:- 3500 5. Bandhan Small Cap Fund:- 2500 6. Axis Small Cap Fund:- 2000. 7. Motilal Oswal Nifty India Defence Index Fund:- 3000 Other than these combined contribution towards EPF (employee+employer) = 12800 per month. Please give a review of my portfolio. My investment horizon is for long terms. I will step up my investment depending on my salary increment
Ans: Your portfolio is well-diversified with a mix of flexi cap, large cap, mid cap, and small cap funds. This strategy spreads your risk across different market segments.

Flexi Cap Funds
Parag Parikh Flexi Cap Fund and Quant Flexi Cap Fund: These funds are flexible and invest across various market caps. They provide good diversification and stability.
Large Cap Funds
Nippon India Large Cap Fund: Large cap funds are stable and provide steady returns. They are less volatile compared to mid and small cap funds.
Mid Cap Funds
Motilal Oswal Mid Cap Fund: Mid cap funds offer higher growth potential. They are riskier than large cap funds but can provide better returns over the long term.
Small Cap Funds
Bandhan Small Cap Fund and Axis Small Cap Fund: Small cap funds have high growth potential. They are volatile and should be monitored closely.
Sector Funds
Motilal Oswal Nifty India Defence Index Fund: Sector funds focus on specific industries. They are riskier and should be a smaller part of your portfolio. Consider replacing with an actively managed fund for better returns.
EPF Contribution
EPF Contribution: Your EPF contribution is a good foundation for your retirement savings. It provides stability and tax benefits.
Investment Horizon
Your long-term investment horizon is ideal for your portfolio. It allows you to ride out market volatility and benefit from compounding returns.

Step-up SIP
Step-up SIP: Increasing your SIP amount with salary increments is a smart strategy. It will help you achieve your financial goals faster.
Final Insights
Your portfolio is well-structured for long-term growth. Consider replacing the index fund with an actively managed fund. Regularly review your investments to ensure they align with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 26, 2024

Asked by Anonymous - Jul 18, 2024Hindi
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My portfolio is given below. SIP - SBI Small cap fund & SBI Flexicap fund - 25000 monthly each, Axis Nifty 100 Index Fund - 40000 monthly, Nippon India Small Cap 250 Index fund - 25000 monthly. I started investing from 2017 with 2000 SIP in SBI Small cap and increased over the years as my salary increases. My current corpus is around 35Lakh. Your advice on this. Apart from this I am invested in physical gold for around 10Lakhs. I am working in UAE.
Ans: Overview of Your Current Portfolio
You have a well-structured portfolio, with a mix of equity mutual funds and physical gold. Your current investments include:

SBI Small Cap Fund: Rs. 25,000 monthly SIP
SBI Flexicap Fund: Rs. 25,000 monthly SIP
Axis Nifty 100 Index Fund: Rs. 40,000 monthly SIP
Nippon India Small Cap 250 Index Fund: Rs. 25,000 monthly SIP
Physical Gold: Rs. 10 lakhs
You started investing in 2017 and have built a corpus of around Rs. 35 lakhs.

Analysis of Your Portfolio
Equity Mutual Funds
Diversification: Your portfolio has a good mix of large-cap, flexicap, and small-cap funds. This provides diversification across different market capitalizations.

Growth Potential: Small-cap and flexicap funds have high growth potential. However, they are also volatile.

Index Funds: You have a significant portion in the Axis Nifty 100 Index Fund. While index funds offer lower management fees, they may not outperform actively managed funds.

Physical Gold
Hedge Against Inflation: Gold serves as a good hedge against inflation and adds stability to your portfolio.

Liquidity: Physical gold is less liquid compared to other financial assets.

Recommendations for Improvement
Review Fund Allocation
Reduce Overlap: Ensure there is no significant overlap between the funds in terms of stock holdings.

Balance Between Active and Passive Funds: Consider balancing the allocation between actively managed funds and index funds. Actively managed funds have the potential to outperform the market, especially in emerging markets like India.

Increase Diversification
Add Debt Funds: To reduce volatility, consider adding debt funds to your portfolio. Debt funds provide stability and can protect your corpus during market downturns.

International Funds: Consider including international mutual funds. This adds geographical diversification and can hedge against domestic market risks.

Rebalance Regularly
Periodic Rebalancing: Rebalance your portfolio every 6-12 months. This ensures your investments align with your risk tolerance and financial goals.
Additional Investment Strategies
Emergency Fund
Maintain Liquidity: Ensure you have an emergency fund equivalent to 6-12 months of expenses. This should be kept in liquid assets like savings accounts or liquid funds.
Goal-Based Investing
Define Goals: Align your investments with specific financial goals, such as retirement, buying a house, or children's education.

Time Horizon: Match your investment choices with the time horizon for each goal. Short-term goals should have more conservative investments.

Final Insights
Review and Adjust: Regularly review your portfolio and make adjustments as needed. Stay informed about market trends and changes in your financial situation.

Seek Professional Advice: Consider consulting a Certified Financial Planner to tailor the investment strategy to your specific needs.

Focus on Long-Term Growth: Keep a long-term perspective and avoid making impulsive decisions based on short-term market movements.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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