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Ravi

Ravi Mittal  |457 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 23, 2023

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Nagendra Question by Nagendra on Feb 22, 2023Hindi
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Relationship

My name is Rajesh, I am 50 year old 4years back I got to know that my wife is in relationship with someone and after inqiuring in detail I found that, that was her second relationship. Earlier relationship was broken 1 year before. and she told me all herself when I ask on condition that if she didnt tell me I may take dicision of breaking. so sho told me everything without hiding. she is telling me that she still loves me. Arter that she stoped all contacts but after a year she strated developing contacts with facebook messenger and developed one more relationship with one FB friend. again when I got to know she stoped contacting him. this time ther was no physical relationship, but she admitted that he once kissed her. the boy tried to contact her in all ways but she somehow stopped this matter. I love my wife very much. I forgive her every time. three year passed now all this year she was not going outside alone without me. but in these days I also insisted her to go out, and she started going to yoga class where she used to go early and she is very happy now days. I dont know whether I am doing correct or not, some time I still have dought in my mind whether she will start again doing affairs. I am some times afread, dont know what to do. whether I should still continue trusting and loving my wife or what. we have one son age 16 now. I am confuesd sometimes but till date happiness is maintained in the family. But I am feeling lonely somtimes. what to do?

Ans: Dear Rajesh,

I can understand it is an impossible situation for you but this too shall pass. First things first, are you happy in a relationship that involves cheating, not once, but twice and who's to say there won't be a third? Ask yourself that. If the answer is no, it is quite understandable, but if it's yes, then why? Why would anyone be happy with a partner who cheats over and over again? Why do you think you deserve such a life? Granted, relationships are not all rainbows and butterflies all the time, but they should not look this grim either. You alone have kept it going for this long, and maintained harmony by accepting your partner's infidelity time and again; ask yourself what would happen if you allowed yourself to stop. You can stop tolerating it, you know?

The question isn't how you should deal with your partner who is evidently a repeat cheater. The question is how you should deal with the situation and why are you reacting in a way that almost makes me think that you believe you deserve such a relationship. As for your kid, divorce or separation has much less effect on a child than a broken marriage with two unhappy parents.

If you still want to continue, that is also okay. To each their own, but don't forget to ask yourself what are you staying in this marriage for; your kid, societal pressure, or is it unconditional love for your wife, who, by the way, does not reciprocate the same for you.

Best Wishes!

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Anu

Anu Krishna  |1379 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2023

Asked by Anonymous - Dec 15, 2023Hindi
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Relationship
Hello, I have been married from 15 yrs. I have a 9 yrs old son with me. In oct 21 my wife (age 38) started making REELS on insta of the facial acting. She got involved and told me that she is just doing for followers and like. People used to comment good and bad which i didnt like. She was trying to make young guy friends. In april 2022 she had an affair with a 22-year-old boy who was not even financial stable. I could she changes in her every day. In June 2022 I caught her and she confess that she did affair and also done physical relationship. I had unconditionally loved her all these years and didn’t wanted to let her go. Also, didn’t wanted to hurt my son by taking a divorce. That guy refused to keep my son and their relation broke, but my wife still loved him and missed him. Few months she was in depression and I took her upmost care and swallowed what she did. I just told her that please come back to our life as you were before but she was not getting back. There used to be few quarrels, she was just staying alone within herself and I never felt that love which she used to give me. Later in feb23 there was a marriage at her family and I agree to go with her so she may get that feel during our times and she promised me to enjoy the marriage and make love with me. But she was happy with her relative and didn’t even bother to make that love and affection with me. from that time, I used to get angry and fight with her. I went into depression. In May 2023 she was getting worst and one day fight increased and I asked her to leave my house which I wasn’t intentionally wanted to. She left and went missing 24 yrs and then called from her mom mobile who was in her village, since she didn’t come back home and from last two month, she has been asking me money for herself and says it’s her rights. She doesn’t bother for my son and just show that she loves him. She works and stay with woman from 6 months and I’m looking after my son all alone. I told her u can work but just come home and make things better for my son. Her conditions is to give money security (money) then only she will return. All my family says she is just behind money and doesn’t care what I and my son is going through. She is not guilt for what she did. 15 yrs of marriage has been ruin and now she has no shame at all. She talks rudely if i dont send her money and now I refused sending her. Please advice what do I do now.
Ans: Dear Anonymous,
You seem to have done a lot to try and get her back. What can you do if she doesn't want to acknowledge your efforts or appreciate what family life is! One would imagine that a child in the equation may bring about a change in heart but that doesn't seem to be the case here at this moment.
Your family members are right in their mind about the way that see your wife as they have been observing how this has impacted you and your son.
Either you wait for her to come to her senses OR simply learn to live life without her. If the outside world of social media is what seems to satisfy her, no matter what you do, she will be dissatisfied and unhappy. This only means that she has to learn and appreciate what she has with you and your son.
It is also possible that she has been disinterested in the marriage for a while now and has been seeking approval and validation from people on social media. Even if this is the case, being angry with you is understandable BUT what about her own child? What makes her not want to deal with that reality? If you need an answer to this, simply WAIT and WATCH without begging her to come back...That will give you an idea as to where her mind is and then decide on the future course...

All the best!

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Anu

Anu Krishna  |1379 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2024

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Relationship
I have been married from last 20 years. It's arrange marriage and before marriage told me let she had an affair with a har college friend dena hai asked that if any relation physical relation has been done she said no I trusted her and married her but after 4 years of marriage I am notice that she didn't paid any attention or don't love me I always thought that there are some mistakes from my side that's why she behave like this . From last 16 years I was suffering from the situation. Recently I come to know when I saw her mobile accidentally and I come to know that she has the same affair from last 16 years with the same guy when I ask about this she told me that it was by mistake I am sorry I won't do this again after some pressureise she also told me that she did a physical relation with him before marriage and after marriage too. I was shocked cause physically I am fit and capable to satisfy her with all the way still she cheated me. Now she confess me all the things and told me promise me that she won't do any mistake henceforth. But no problem is whenever I am trying to get physical or emotional with her some thoughts in my mind game that she did all the things with another guy and cheating me so I can't make any relation ship with her. How can I trust her again we have to kids 10 year each. Please tell me what to do I am frustrated
Ans: Dear Trade,
You need to decide if you wish to trust her or not. It is difficult obviously with what you have discovered. But if you have chosen to carry on within the marriage, the only way that the mind can be managed is to accept what has happened and work with how things are today.
Give your marriage another chance and only then you can work your work through otherwise you will spend time only thinking about her cheating and what she did with the other person which anyone is not working well for you.
So, are you ready to forgive and move on OR hold onto the past? No decision is right or wrong; it's just what you want and then when you make that decision, make everything else work in favor of that decision.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Niharikka

Niharikka Budhwani  |9 Answers  |Ask -

Dietician, Lifestyle, Nutrition Expert - Answered on Dec 09, 2024

Asked by Anonymous - Jun 22, 2024Hindi
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Health
Madam after several attempts for weight loose but I can't loose my weight i wll doing exercise, no fastfood, no oil. What can I do? What i eat for weight loose
Ans: Hey, there are several factors that affect weight loss. Definitely exercise will help you creat more calorie deficit and restricting fast food will ensure you do not consume more calories. Here are a few things you need to check for:

1. Check if you are in a calorie deficit. (consuming less than what your body needs) Most of my clients feel that they are eating home cooked meals and yet not able to lose weight. And they fail to understand is that calories count, not only the kind of food. If you're eating more calories, it will not allow you to lose weight. So, re evaluate your caloric intake.

2. Check your hormonal profile: Hormonal imbalance (reproductive hormones or thyroid hormones) will not allow weight loss to happen. Solution here is to correct your hormonal imbalance. When your primary focus shifts to managing hormones, weight loss becomes simple. Because you're working on the root cause of your weight loss.

3. Stress: Manage your stress levels with yoga, meditation, etc. Cortisol (stress hormone) is responsible for depositing fat around your abdomen. So, managing stress becomes important to lose weight in such case.

4. Lack of sleep: Studies have shown that insufficient sleep leads to more calorie consumption and this can be one of the reason for not seeing desired weight loss. Clock in 7-9 hours of good quality sleep to avoid this.

Check from the above points what is the reason for you not losing weight, and try to rule out one by one to see results :)

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Ramalingam

Ramalingam Kalirajan  |7245 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

Asked by Anonymous - Dec 09, 2024Hindi
Money
Dear Rediff guru. I am 51 years and new to the field of MF investment with not high knowledge about SIP investment in MF. I started my SIP in MF about 3 years ago and, based on the advice of the fund advisor, I am currently investing through SIP a monthly amount of Rs. 20000 in Kotak Blue chip fund – 5000, Tata Large & Mid Cap – 4000, Invesco India Multi Cap – 4000, PGIM India Mid cap – 4000 and AXIS Small cap – 3000. Now some of my close friends / relative are advising me to review my SIP in these funds as some of them are not giving good returns. They are also advising me to switch over to some other MF without redeeming the present fund. I am quite confused as the funds wherein I started investing was doing decent at that point of time. I am confused whether I should stick to the current MF with the SIP amount as given above or I should go for some other funds. Please advise. My investment horizon is may be another 8 to 10 years.
Ans: Your mutual fund portfolio has a mix of large-cap, large- and mid-cap, multi-cap, mid-cap, and small-cap funds. This diversification strategy is a good approach, especially for a beginner. Your monthly SIP of Rs. 20,000 is distributed effectively across different categories, aligning with long-term investment principles. However, periodic reviews are essential to ensure optimal performance and alignment with your goals.

Here’s a detailed analysis and guidance:

Assessment of Current SIP Investments
Kotak Bluechip Fund (Rs. 5,000):

Large-cap funds provide stability and are less volatile.

Retain this fund if its performance is consistent with its benchmark and category peers.

Tata Large & Mid Cap Fund (Rs. 4,000):

These funds combine stability and growth by investing in large- and mid-cap stocks.

Review its performance and continue if it is competitive within its category.

Invesco India Multi Cap Fund (Rs. 4,000):

Multi-cap funds provide diversification across market caps.

If its returns are below average for its category, consider switching to a better-performing fund.

PGIM India Mid Cap Fund (Rs. 4,000):

Mid-cap funds offer higher growth potential but can be volatile.

Retain this fund if your risk tolerance supports it and its performance is consistent.

Axis Small Cap Fund (Rs. 3,000):

Small-cap funds are high-risk, high-reward investments and perform well over long horizons.

Continue investing if your risk appetite aligns and its returns remain satisfactory.

Steps to Streamline Your Portfolio
Avoid Duplication:

Review overlapping funds in similar categories like large-cap and large- and mid-cap funds.

Consolidate investments in one or two strong performers within a category.

Minimise Small-Cap Exposure:

Limit small-cap investments to 10-15% of your portfolio.

This reduces risk and ensures stability, especially closer to retirement.

Focus on Core Funds:

Increase allocation to large-cap and multi-cap funds for stability and consistent returns.

These funds form the foundation of a robust portfolio.

Track Fund Performance Regularly:

Assess fund performance against benchmarks and peer funds.

Underperforming funds can be replaced with better options.

Diversify Across Investment Styles:

Your portfolio can include flexi-cap or balanced advantage funds.

These funds adjust their asset allocation dynamically based on market conditions.

Addressing Concerns from Friends and Relatives
While advice from peers is valuable, rely on objective criteria for fund selection.

Performance, risk-adjusted returns, and consistency are more critical than temporary trends.

Avoid switching funds hastily; review long-term performance and investment goals first.

Suggestions for Optimisation
Consider Balanced Funds:

Add hybrid or balanced advantage funds for reduced risk and consistent returns.

These funds offer stability during market downturns.

Evaluate Debt Funds:

Debt funds can complement your portfolio by providing stability and liquidity.

These funds are especially useful for goals with shorter horizons.

Tax Efficiency:

LTCG above Rs. 1.25 lakh on equity mutual funds is taxed at 12.5%.

Plan redemptions and switches carefully to minimise tax liability.

Staying Disciplined and Focused
Stick to your long-term investment horizon of 8–10 years.

Avoid chasing high returns or switching funds frequently based on short-term trends.

Monitor your portfolio annually to ensure alignment with goals.

Final Insights
Your portfolio shows good intent and initial planning. With minor adjustments and disciplined investing, it can achieve your financial goals. Reduce overlapping funds, optimise tax efficiency, and focus on stability as you near retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7245 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

Money
I and my wife have the following SIP and kindly suggest if they are good to continue. Parag Pareikh Flexi Cap Fund 5000,HDFC Top 100 Fund 5000,Nippon Mutual Banking Fund 2500, Nippon Mutual Vision Fund 2500,Axis Blue Chip Fund 5000,Axis Mid Cap Fund 5000,Kotak Emerging fund 2500, Nippon Multi Cap Fund 2500. My wife has HDFC Flexi Cap Fund 5000, Nippon India Consumption Fund 5000,SBI Contra Fund 2500,LIC MF infrastructure Fund 2500, Axis Small Cap Fund 2500... Can we add any other Fund? Thanks.
Ans: You and your wife have diversified investments across multiple mutual fund categories. Your choice of funds includes large-cap, mid-cap, small-cap, multi-cap, and thematic funds. This diversification is a good start, but it can be optimised further.

Here is a detailed analysis and suggestions:

Review of Your SIP Portfolio
Parag Parikh Flexi Cap Fund (Rs 5,000):

This fund offers good flexibility and diversification across sectors and geographies.

It is a strong performer and can be continued.

HDFC Top 100 Fund (Rs 5,000):

Large-cap funds provide stability to the portfolio.

This fund has consistent performance and can be retained.

Nippon Mutual Banking Fund (Rs 2,500):

Thematic funds like banking can be volatile and sector-dependent.

Consider replacing it with a diversified equity fund for better risk management.

Nippon Mutual Vision Fund (Rs 2,500):

This fund focuses on growth-oriented sectors but may carry higher risks.

It can be retained if it aligns with your risk tolerance.

Axis Bluechip Fund (Rs 5,000):

Large-cap funds like this are ideal for stable growth.

Continue investing as it provides reliable returns.

Axis Mid Cap Fund (Rs 5,000):

Mid-cap funds offer growth potential but come with moderate volatility.

This fund can be retained for long-term growth.

Kotak Emerging Fund (Rs 2,500):

This fund focuses on small-cap stocks, which are high-risk, high-reward investments.

Retain it if your risk appetite permits and the goal is long-term.

Nippon Multi Cap Fund (Rs 2,500):

Multi-cap funds provide a balanced exposure to all market caps.

This fund can be continued for portfolio diversification.

Review of Your Wife’s SIP Portfolio
HDFC Flexi Cap Fund (Rs 5,000):

A flexi-cap fund ensures allocation flexibility across market caps.

This fund can be retained for its flexibility and potential returns.

Nippon India Consumption Fund (Rs 5,000):

Thematic funds like this depend heavily on consumption-driven sectors.

Consider replacing it with a more diversified fund to reduce sectoral risk.

SBI Contra Fund (Rs 2,500):

Contra funds adopt a contrarian investment style, which can be rewarding.

Continue if the fund is performing well, as it adds uniqueness to the portfolio.

LIC MF Infrastructure Fund (Rs 2,500):

Infrastructure funds are thematic and may underperform in certain cycles.

You can consider shifting to a diversified equity or hybrid fund.

Axis Small Cap Fund (Rs 2,500):

Small-cap funds carry higher risks but can generate significant returns.

Retain this fund if the investment horizon is long-term.

Suggestions for Optimisation
Reduce Overlap:

There is overlap in some funds with similar investment styles or categories.

For example, multiple large-cap funds may lead to redundant investments.

Minimise Thematic Funds:

Your portfolio has thematic funds like banking, consumption, and infrastructure.

Limit thematic funds to 5-10% of the portfolio for better risk management.

Focus on Diversified Funds:

Allocate more to diversified equity or hybrid funds.

These funds balance risk and reward across market cycles.

Increase SIP Contribution in Core Funds:

Increase SIPs in well-performing flexi-cap, large-cap, and multi-cap funds.

These funds provide stability and consistent growth over the long term.

Limit Small-Cap Exposure:

Small-cap funds should not exceed 10-15% of the total portfolio.

This helps in managing risks effectively.

Recommendations for Additional Investments
Hybrid Funds:

Consider investing in balanced advantage or equity hybrid funds.

These funds reduce risk while providing equity-linked returns.

Dynamic Equity Funds:

These funds adjust equity and debt allocations based on market conditions.

They are ideal for reducing volatility in uncertain markets.

Retirement-Focused Funds:

Since both of you are likely planning for long-term goals, retirement funds can be considered.

These funds ensure disciplined and tax-efficient savings for retirement.

Tax Implications to Keep in Mind
LTCG above Rs 1.25 lakh from equity funds is taxed at 12.5%.

STCG is taxed at 20%.

Plan fund redemptions accordingly to optimise tax outflow.

Final Insights
Your portfolio has a good mix of funds but can be streamlined further. Reducing redundancy, increasing core fund contributions, and limiting thematic exposure can improve returns. Regular reviews and disciplined investing will help achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7245 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

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Money
Hello Hemant, i need your help in solving a crisis, it is not unmanageable but, with your help i can improve. so here are the details. Income 1,40,000 PM Loans running (20 Lakhs) 38,000 PM (Personal Loan taken for 8 years 4th year running) Car loan (10 Lakhs) 17,500 PM (For 7 years 4th year running) Investments 3,000 SIP (Current value is 1,07,000) Invested in stocks 7,50,000 (Current value 8,15,000) PPf 2,50,000 (2,000 PM) Investment in gold 1000 PM since 1 year (Invested 15,000 current value 18,000) I want to reach a target of 3 crores, iam currently aged 45, iam in govt service so still have 9 yrs of service left with the same income or u can say an increment of 10% PA. rrequest help and advice
Ans: Your detailed income and expenses show you are well-organised. Your monthly income of Rs 1,40,000 provides a stable financial base. You also have investments in SIPs, stocks, PPF, and gold.

However, your loan EMIs of Rs 55,500 per month take a significant portion of your income. This affects your savings and investment potential.

Your target of Rs 3 crores in 9 years is ambitious but achievable with strategic planning.

Analysis of Current Investments
SIPs (Rs 3,000 per month):

Your SIP contributions are small compared to your income.

A higher allocation is needed to build a significant corpus.

Stocks (Rs 7.5 lakh invested, Rs 8.15 lakh current value):

Direct equity investment has shown moderate returns.

Stocks can be volatile, requiring proper diversification.

PPF (Rs 2.5 lakh, Rs 2,000 per month):

PPF provides secure, tax-free returns but has limited growth potential.

The 15-year lock-in also affects liquidity.

Gold (Rs 15,000 invested, Rs 18,000 current value):

Gold is a hedge against inflation but is not suitable for high growth.

Monthly investments in gold are not significant for your target.

Evaluating Loans and Debt
Personal Loan (Rs 20 lakh, Rs 38,000 EMI):

Personal loans carry higher interest rates.

You have 4 more years left to repay this loan.

Car Loan (Rs 10 lakh, Rs 17,500 EMI):

Car loans are a depreciating asset liability.

The 3 years remaining on the loan strain your cash flow.

Steps to Improve Cash Flow
Accelerate Loan Repayments:

Prioritise clearing the personal loan first.

Use any bonuses or surplus income to reduce loan tenure.

After the personal loan, focus on prepaying the car loan.

Limit New Borrowings:

Avoid taking additional loans until existing debts are cleared.

Maintain a clear focus on financial discipline.

Strategy for Rs 3 Crore Goal
Increase SIP Contributions:

Raise your monthly SIP to Rs 15,000 initially.

Gradually increase SIPs by 10-15% annually as your income grows.

Invest in actively managed funds for higher returns.

Rebalance Stock Portfolio:

Diversify into equity mutual funds to reduce direct equity risks.

Focus on funds managed by experienced professionals.

Enhance PPF Contribution:

Maximise PPF contributions to Rs 1.5 lakh annually for tax benefits.

Treat it as part of your debt allocation.

Limit Gold Investments:

Stop monthly investments in gold.

Reallocate this amount to equity or hybrid funds.

Build an Emergency Fund:

Maintain 6 months’ expenses in a liquid fund or savings account.

This ensures liquidity during unexpected situations.

Tax Implications
For equity mutual funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.

STCG is taxed at 20%.

Plan redemptions carefully to minimise tax liabilities.

Monitoring and Review
Track Progress Regularly:

Review your investments every 6 months.

Adjust allocations based on performance and goals.

Seek Professional Advice:

Consult a Certified Financial Planner to create a tailored plan.

Avoid emotional decision-making in investments.

Final Insights
Your financial discipline and stable income provide a strong foundation. Clearing debts and reallocating investments can help you achieve your Rs 3 crore target. Stay focused and consistent in your approach.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7245 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

Asked by Anonymous - Dec 08, 2024Hindi
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Money
I am invested in Kotat flexi cap - 17lakh with 10k sip invested for 7 years and tata equity PE for 6 lakh for 3 years with 30k SIP per month. If i compare them with similar category they are not doing as better as others, should i stay invested or switch to others. Any recommendation. Also, i have startee sip for 3 funds tata nifty midcap 150 momentum, icici prudential Nasdaq 100 and motilal oswal midcap fund
Ans: Your investments in the two funds reflect long-term commitment. Rs 17 lakh in a flexi-cap fund with a Rs 10k SIP for 7 years is substantial. Similarly, Rs 6 lakh in a value-oriented fund with Rs 30k SIP for 3 years shows consistent discipline.

It’s natural to compare fund performance with peers. Evaluating fund performance helps optimise returns and ensures alignment with financial goals.

Performance Evaluation and Concerns
Flexi-Cap Fund Investment:

Flexi-cap funds dynamically allocate across large, mid, and small caps.

Recent underperformance could be due to sector allocation or market cycles.

Evaluate if the fund manager’s strategy aligns with long-term trends.

A 7-year horizon is significant but consider consistency over 3- and 5-year rolling returns.

Value-Oriented Fund Investment:

Value funds focus on undervalued stocks with long-term growth potential.

Performance lagging similar funds may arise from current market conditions.

Value strategies often require longer time horizons to deliver superior results.

Monitor portfolio overlap with other funds and diversification gaps.

Options: Stay Invested or Switch
Before switching funds, evaluate the following:

Has the fund consistently underperformed peers across all timeframes?

Are the fund's holdings aligned with future growth sectors?

Is the underperformance due to temporary market trends or structural issues?

Switch only if the fund lacks consistent long-term potential. A Certified Financial Planner can guide this decision.

Analysis of New SIPs
Your new SIPs in three funds reflect diversification efforts. Let’s assess them category-wise:

Midcap Fund: Offers high-growth potential but is prone to volatility.

Momentum Fund: Tracks stocks with strong performance trends. However, timing risks exist.

International Fund (Nasdaq 100): Provides global exposure but is passive and currency-sensitive.

Avoid heavy reliance on passive funds. Actively managed funds can outperform with better risk-adjusted returns.

Steps to Optimise Your Portfolio
Review Fund Categories: Avoid overlapping investments in similar fund categories.

Assess Allocation: Diversify across large-cap, mid-cap, small-cap, and sectoral funds for balanced growth.

Increase Active Management: Prefer actively managed funds for domestic and international exposure.

Monitor Performance: Track 3-, 5-, and 7-year rolling returns for consistency.

Consult a Professional: Seek advice from a Certified Financial Planner for fund-specific recommendations.

Tax Implications
When exiting funds, consider tax on capital gains:

Long-term capital gains (LTCG) above Rs 1.25 lakh taxed at 12.5%.

Short-term capital gains (STCG) taxed at 20%.

Plan fund switches carefully to minimise tax liabilities.

Strategy for Future Investments
Add to funds with strong long-term performance and robust fund management.

Limit international fund allocation to manage currency risks and passive fund limitations.

Ensure midcap and small-cap funds form a reasonable portion of your portfolio.

Increase SIPs in multicap or flexi-cap funds for better diversification.

Align portfolio with your risk tolerance and financial goals.

Final Insights
Your long-term investment focus is praiseworthy. Stay committed to reviewing fund performance and aligning investments with your financial goals. Seek professional advice for fund-specific changes and rebalancing.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7245 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

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Good Evevning Sir I am Anand from Delhi. I am a 35 yrs old Central Govt Salaried Person. I am looking for long term investment and a goal of 5 crores in 15 years. I am contributing ?15000 per month in provident fund and ?30000 per month in MF through SIP and have planned for 10-15% annual step up.I have started investing from 2022 and have 4.5 lakhs portfolio .My SIP details are:- 1. Navi Nifty Fifty Index Fund -3000 2. Edelweiss Aggressive Hybrid Fund- 5000 3. Mahindra Multicap -4500 4. Motilal Midcap -5000 5. Quant Small Cap -4500 6. SBI Contra - 5000 7. Motilal Nasdaq 100 FOF- 3000 Please review my portfolio.I am also planning to increase SIP by 2500 per month please suggest which fund should I put it in?
Ans: You have structured your investments well for wealth creation. Your contributions of Rs 15,000 per month in the Provident Fund ensure a secure retirement corpus. The Rs 30,000 per month SIP in mutual funds adds growth potential. Your plan for a 10-15% annual step-up is strategic and aligns with inflation-adjusted returns.

Your portfolio of Rs 4.5 lakh reflects consistency since 2022. However, diversification and allocation need review for better alignment with your Rs 5 crore goal in 15 years.

Advantages of Your Current SIP Plan
Regular investments: Rs 30,000 monthly in SIPs ensures discipline and compounding benefits.

Step-up strategy: Incremental increases in SIPs amplify long-term wealth creation.

Portfolio diversification: Your selection covers multiple categories like hybrid, multi-cap, mid-cap, and small-cap funds.

Time horizon: A 15-year horizon is ideal for equity-oriented investments, reducing short-term volatility risks.

Issues with Index Funds and Direct Investments
Your portfolio includes an index fund and a passive international fund. These might limit your returns compared to actively managed funds.

Disadvantages of Index Funds:

Limited scope to outperform the market due to passive strategy.

Rigid portfolio construction prevents reacting to market dynamics.

Benefits of Actively Managed Funds:

Potential for higher returns due to expert management.

Dynamic allocation to sectors and stocks improves risk-adjusted returns.

Disadvantages of Direct Mutual Funds:

Lack of guidance from MFDs with CFP credentials.

Risk of emotional decision-making without professional assistance.

Benefits of Regular Plans through MFDs:

Expert advice ensures tailored portfolio strategies.

Comprehensive financial planning reduces errors and missed opportunities.

Analysis of Your Fund Categories
Your portfolio covers a variety of equity and hybrid fund categories. However, there is overlap in mid-cap and small-cap exposure. Too much overlap can dilute diversification and increase risks.

Hybrid Fund: Provides stability and limited equity exposure.

Multicap Fund: Offers balanced exposure across market capitalisations.

Midcap and Small-Cap Funds: High-growth potential but increased volatility.

Contra Fund: Contrarian strategy adds diversification but may underperform in trending markets.

International Fund: Good diversification but exposed to currency risks and passive management.

Recommendations for SIP Increment
Your Rs 2,500 SIP increment should focus on optimising existing diversification. Add to funds with strong growth potential and professional management.

Avoid increasing contributions to index funds or passively managed funds.

Allocate the additional Rs 2,500 to an actively managed mid-cap or multicap fund.

Choose funds with consistent performance and low overlap with your current portfolio.

Consult a Certified Financial Planner for fund selection aligned with your goals.

Tax Implications and Investment Choices
Tax planning is vital for wealth optimisation. For equity mutual funds:

Gains above Rs 1.25 lakh are taxed at 12.5%.

Short-term gains are taxed at 20%.

Avoid unnecessary redemptions to reduce tax liabilities. Hold your investments for the long term to benefit from compounding and lower taxes.

Investment Strategy for Rs 5 Crore Goal
Maintain a diversified portfolio with strong equity orientation.

Increase SIP contributions annually as planned to match inflation.

Use actively managed funds to maximise returns over 15 years.

Rebalance your portfolio annually to maintain optimal allocation.

Ensure sufficient emergency funds for contingencies.

Avoid over-exposure to international or passive funds.

Final Insights
Your disciplined approach and long-term focus are commendable. Adjusting fund allocation can improve returns and align better with your Rs 5 crore target. Consult a Certified Financial Planner to optimise fund selection and track progress towards your goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7245 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

Asked by Anonymous - Dec 08, 2024Hindi
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Money
Hi Sir, I’m planning to buy land worth ?14L. Should I opt for a personal loan or Loan against Mutual Fund? I currently have ?25L in debt, ?15L in mutual fund equity, a monthly take-home salary of ?1.65L, and no other loans.
Ans: Your financial profile shows good stability. With a monthly take-home of Rs 1.65L, you can manage debt comfortably. However, your existing Rs 25L debt is significant and needs strategic handling.

Owning mutual funds worth Rs 15L provides flexibility. These funds can be useful for a secured loan. Your Rs 14L land purchase must align with your long-term goals.

Option 1: Personal Loan Assessment
Personal loans are unsecured and processed quickly. However, they have higher interest rates compared to secured loans.

Repayment tenure is flexible but usually shorter. This results in higher EMIs.

Interest costs for personal loans are not tax-deductible. Hence, they don’t provide any tax benefits.

Taking a personal loan increases your overall debt burden further. Assess carefully if this aligns with your income stability.

Option 2: Loan Against Mutual Funds
This is a secured loan where your mutual funds are pledged. Interest rates are lower compared to personal loans.

You can continue earning returns on your mutual funds while they are pledged. This way, the capital remains invested.

Repayment flexibility is an advantage. Borrow only the amount you need, reducing unnecessary interest costs.

The processing is fast, but there could be a margin requirement. This depends on the lender's terms.

Evaluating Between Both Options
Key Advantages of Loan Against Mutual Funds:

Lower interest rates than personal loans.

Allows mutual fund investment continuity.

Flexible repayment options for better cash flow.

Key Limitations of Personal Loans:

Higher interest rates can strain your cash flow.

Shorter repayment period increases EMI amounts.

No parallel financial benefit during the repayment period.

Tax Implications and Loan Choice
If you redeem equity mutual funds, gains above Rs 1.25L are taxed at 12.5%. Short-term capital gains are taxed at 20%.

Loan against mutual funds avoids these taxes. Personal loans, however, won’t trigger tax liabilities.

This makes loans against mutual funds more tax-efficient for your situation.

Cash Flow and Debt Management Insights
Your Rs 25L existing debt is already sizeable. Adding Rs 14L debt increases your financial commitments.

Evaluate your monthly cash flow after loan EMIs. Ensure you have sufficient funds for other expenses.

Avoid over-leveraging to prevent financial stress. This is especially important in volatile economic times.

General Advice on Real Estate
Purchase land only if it supports your lifestyle or goals. Avoid considering real estate as an investment.

Real estate involves liquidity and market value challenges. It lacks the diversification and flexibility mutual funds offer.

Role of a Certified Financial Planner
Engage a Certified Financial Planner to align this decision with your financial goals. They provide personalised advice tailored to your needs.

A planner can help you optimise your mutual funds. They also ensure your debt is manageable within your financial capacity.

Action Steps for Better Financial Decisions
Use your mutual fund portfolio for a secured loan instead of a personal loan.

Plan repayments based on your cash flow and lifestyle requirements.

Avoid redeeming mutual funds unnecessarily to minimise tax liabilities.

Focus on a diversified investment strategy to enhance financial growth.

Finally
Your Rs 14L land purchase is achievable with proper planning. Opting for a loan against mutual funds is more cost-efficient and strategic. It reduces financial strain and aligns with your investment objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7245 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

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Money
Hello... Sir... This is Ravi kumar. I have 1lac rupees. I want to invest lump sum in mutual funds for 10 years.So please tell me best fund and how to invest lump sum. Alredy am doing 5k doing SIP in sevaral funds. So please give me suggestion
Ans: It's great that you are already disciplined with SIP investments of Rs 5,000 monthly. Now, investing Rs 1 lakh lump sum for 10 years can be a rewarding decision when done wisely. Let’s discuss how to approach this systematically.

Assess Your Risk Profile
Understand your risk-taking capacity and willingness.
If you are young, you can consider high-risk options for better returns.
If you have moderate risk tolerance, balance equity and debt mutual funds.
Benefits of Investing in Mutual Funds
Mutual funds offer diversification, reducing risks.
They are professionally managed by experts.
With long-term investments, compounding helps grow your wealth.
Investments are transparent, with detailed portfolio updates.
Best Practices for Lump Sum Investment
Consider Market Conditions

Avoid investing lump sum when markets are at a peak.
Use a Systematic Transfer Plan (STP) to reduce market timing risks.
Diversify Your Investment

Allocate funds between equity and debt based on your goals.
Avoid concentrating too much in a single sector or category.
Select Actively Managed Funds

Actively managed funds outperform in dynamic market conditions.
Fund managers can rebalance portfolios for better returns.
Why Avoid Index Funds?
Index funds lack active management and can’t beat the market.
They mirror the market index and offer limited flexibility.
Actively managed funds are better for long-term wealth creation.
Regular Plans Over Direct Plans
Regular plans include professional advice and monitoring.
Certified Financial Planners help you align investments with goals.
Direct plans might seem cheaper but lack essential guidance.
Tax Implications to Consider
Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Plan withdrawals wisely to optimise tax savings.
Steps to Start Your Lump Sum Investment
Define Clear Goals

Specify what you aim to achieve in 10 years.
Include education, retirement, or wealth-building goals.
Choose Suitable Funds

For higher returns, go for equity-oriented funds.
Include hybrid or debt funds for stability and lower risk.
Open an Account with an Advisor

Choose a Certified Financial Planner for personalised advice.
They ensure you stay on track with financial goals.
Monitor Regularly

Track fund performance at least yearly.
Rebalance your portfolio if necessary.
Insights on Current SIP Investments
Your current SIP habit is excellent for disciplined investing.
Review if your SIP funds align with your risk and goals.
Avoid over-diversification to keep the portfolio focused.
Final Insights
Investing Rs 1 lakh lump sum in mutual funds requires careful planning. Start by assessing your financial goals and risk capacity. Actively managed mutual funds, backed by a Certified Financial Planner, provide significant advantages. Focus on a diversified strategy with periodic reviews to ensure steady growth. Your long-term approach and consistency will yield excellent rewards.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

...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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