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Rahul
Rahul
Ramalingam

Ramalingam Kalirajan658 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 17, 2024

Asked on - Jan 02, 2024Hindi

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Money
Sir i have Parag Parikh Flexicap, Sbi Mid cap & Axis Small cap fund each with 5k total 15k per month sip for 25 year's and 10 percent step up every year I want 10 crores for my retirement, is this portfolio Good..? I am 33 year's old ????
Ans: Your SIP portfolio consisting of Parag Parikh Flexi Cap, SBI Mid Cap, and Axis Small Cap funds is diversified across different market caps, which is a good strategy for long-term growth. Given your age of 33 and the goal of accumulating ?10 crores for retirement over 25 years, let's evaluate your portfolio:

Investment Amount: Starting with ?15,000 per month and a 10% step-up each year will significantly boost your investments over time due to the power of compounding.

Fund Selection:

Parag Parikh Flexi Cap Fund: Known for its diversified and global investment approach.
SBI Mid Cap Fund: Focuses on mid-sized companies with growth potential.
Axis Small Cap Fund: Targets small-cap companies with high growth potential.
Return Expectation: Assuming an average annual return of 12%, which is a reasonable expectation for a diversified equity portfolio over the long term, your portfolio has the potential to achieve your goal.

Risk: Small and mid-cap funds can be more volatile than large-cap funds, but they also offer higher growth potential. Ensure you're comfortable with the risk associated with these funds.

Regular Review: Regularly review and rebalance your portfolio to ensure it remains aligned with your goals and risk tolerance.

Given these factors, your portfolio seems well-positioned to help you achieve your retirement goal of ?10 crores over 25 years, especially with the step-up in investment amount each year. However, it's essential to monitor the performance of your funds and adjust your strategy if needed. Consulting a financial planner can provide personalized advice tailored to your situation.
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Ramalingam

Ramalingam Kalirajan658 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Asked on - Jan 02, 2024Hindi

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Money
Sir i have Parag Parikh Flexicap, Sbi Mid cap & Axis Small cap fund each with 5k total 15k per month sip for 25 year's and 10 percent step up every year I want 10 crores for my retirement, is this portfolio Good..? I am 33 year's old ????
Ans: Your portfolio seems well-diversified across different market segments, which is a good approach for long-term wealth accumulation. The Parag Parikh Flexicap Fund offers exposure to a mix of large, mid, and small-cap stocks, providing flexibility and stability. SBI Midcap Fund and Axis Small Cap Fund focus on mid and small-cap companies, respectively, aiming for higher growth potential. With a 25-year investment horizon and a 10% annual step-up, your disciplined approach can potentially help you achieve your ambitious retirement goal of 10 crores. However, ensure to regularly review and adjust your investments based on performance and changing market conditions.
Asked on - Apr 09, 2024 | Answered on Apr 09, 2024
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Thank you sir
Ans: Welcome
Asked on - Apr 11, 2024 | Answered on Apr 12, 2024
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Can you suggest me some funds to invest sir..?
Ans: I'd be happy to help guide you through the process of selecting investment funds, but I must emphasize the importance of considering your individual financial situation, goals, risk tolerance, and investment horizon before making any investment decisions. Without knowing your complete financial picture, including factors like your income, expenses, existing investments, and long-term goals, it's challenging to provide personalized recommendations that suit your needs.

Investing is not one-size-fits-all, and what works well for one person may not be suitable for another. Factors such as your age, financial goals (e.g., retirement, buying a house, education funding), risk tolerance, and investment timeframe all play a crucial role in determining the most appropriate investment strategy.

It's always wise to consult with a financial advisor who can assess your individual circumstances and provide personalized recommendations tailored to your specific needs and goals. A financial advisor can help you create a well-diversified investment portfolio that aligns with your risk tolerance and long-term objectives while taking into account various investment options such as mutual funds, exchange-traded funds (ETFs), stocks, bonds, and other asset classes.

By working with a financial advisor and taking the time to understand your investment options thoroughly, you can make informed decisions that are best suited to your financial situation and objectives, ultimately helping you to achieve your long-term financial goals.
Ramalingam, MBA, CFP
Chief Financial Planner at Holisticinvestment.in
Asked on - Apr 13, 2024 | Answered on Apr 15, 2024
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Thank you so much sir
Ans: Welcome Rahul :)
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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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