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Girish
Girish
Ramalingam

Ramalingam Kalirajan5181 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Asked on - Nov 13, 2023Hindi

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Money
Hello Sir, My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: Evaluating Your Mutual Fund Portfolio for Long-Term Growth
Girish, it's evident that you've taken a proactive approach to investing in mutual funds to secure your financial future. Let's assess your current portfolio, analyze its suitability for your long-term goals, and explore potential adjustments to optimize growth over the next 10-15 years.

Assessing Your Current Portfolio
Your portfolio comprises a mix of large-cap, flexi-cap, and sectoral funds, reflecting a diversified investment strategy. Diversification is essential for managing risk and capitalizing on growth opportunities across different market segments.

Analyzing Fund Selection
Each fund in your portfolio serves a specific purpose, from capturing growth potential in blue-chip companies to benefiting from the flexibility of a flexi-cap fund and leveraging sector-specific opportunities. Your selection demonstrates a thoughtful approach to portfolio construction.

Understanding Investment Horizon
With a investment horizon of 10-15 years, you have ample time to ride out market fluctuations and capitalize on long-term growth trends. Your disciplined approach to systematic investment plans (SIPs) aligns well with your goal of accumulating wealth over the long term.

Projecting Corpus Growth
To estimate the potential corpus at the end of 15 years, factors such as historical fund performance, expected returns, and systematic investment amounts need to be considered. While it's challenging to provide an exact figure without specific scheme names and calculations, a Certified Financial Planner can help create a realistic projection based on your current investment strategy.

Identifying Potential Changes
While your current portfolio appears well-diversified and aligned with your long-term goals, it's essential to periodically review and rebalance your investments. Consider the following factors when evaluating potential changes:

Performance Review: Monitor the performance of each fund regularly to ensure they continue to meet your expectations and long-term objectives.

Market Trends: Stay informed about market trends, economic indicators, and sector-specific developments to identify opportunities and risks.

Risk Management: Assess your risk tolerance periodically and make adjustments to your portfolio as needed to maintain an optimal balance between risk and return.

Conclusion
Girish, your commitment to investing for the long term is commendable, and your current portfolio reflects a thoughtful approach to wealth accumulation. By periodically reviewing your investments, staying informed about market trends, and seeking guidance from a Certified Financial Planner, you can navigate the dynamic investment landscape effectively and work towards achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
(more)
Ramalingam

Ramalingam Kalirajan5181 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked on - Nov 06, 2023Hindi

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Money
Hello Ashish Sir,My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: Hello Girish,

Your portfolio appears to be well-diversified across various mutual fund categories, including large-cap, flexi-cap, and MNC funds. Investing with a long-term horizon of 10-15 years is a wise strategy, as it allows your investments to potentially grow and ride out market fluctuations.

While your portfolio seems diversified, it's always prudent to periodically review your investments to ensure they align with your financial goals and risk tolerance. Here are a few points to consider:

Performance Review: Keep track of the performance of each fund in your portfolio. Assess whether they are meeting your expectations and compare them with benchmark indices and peer group performance.
Portfolio Rebalancing: Depending on market conditions and changes in your financial situation, consider rebalancing your portfolio periodically. This involves adjusting your asset allocation to maintain your desired risk-return profile.
Adding Mid and Small Cap Exposure: Since your portfolio currently lacks exposure to mid and small-cap funds, you may consider adding them to enhance diversification and potentially boost returns, especially given your long investment horizon.
Consultation with a Financial Advisor: Consider consulting with a certified financial planner or advisor who can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon.
Remember, investing is a journey, and it's essential to stay disciplined, patient, and informed. With a well-thought-out investment strategy and periodic review, you can work towards achieving your financial objectives over the long term.
(more)
Ramalingam

Ramalingam Kalirajan5181 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked on - Nov 13, 2023Hindi

Listen
Money
Hello Sir,My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: Girish, it's wonderful to see your proactive approach towards investing for the long term. Your portfolio displays a good mix of large-cap, flexi-cap, and sectoral funds, which provides diversification and potential for growth over the next 10-15 years.

As for the corpus at the end of 15 years, it's important to remember that predicting exact returns is challenging due to market fluctuations. However, with consistent investing and a well-diversified portfolio, you're likely to see significant growth over the long term.

Regarding potential changes to your portfolio, periodically reviewing your investments is wise. Consider factors like fund performance, changes in your financial goals, and market conditions. If any fund consistently underperforms or if there are better opportunities available, you may consider making adjustments.

Overall, your portfolio seems well-structured for your long-term investment horizon. Keep monitoring your investments, stay disciplined with your contributions, and consult with a Certified Financial Planner for personalized advice as needed. Wishing you success in your financial journey!
(more)
Ramalingam

Ramalingam Kalirajan5181 Answers  |Ask -

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

Asked on - Jan 02, 2024Hindi

Listen
Money
Hello Sir, My name is Girish aged 38 years and I need your suggestions on the MF. I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: Your portfolio consists of a mix of large-cap, flexi-cap, balanced advantage, and sectoral funds, which provides diversification across different market segments. However, it's essential to periodically review and rebalance your portfolio to ensure it remains aligned with your long-term financial goals and risk tolerance.

Consider assessing the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates significantly from its investment objective, you may consider replacing it with a better-performing alternative.

Additionally, ensure that your asset allocation reflects your risk profile and investment horizon. If you have a long-term investment horizon of 10-15 years, you may consider adding more exposure to equity funds for potentially higher returns.

As for the corpus at the end of 15 years, it would depend on various factors such as the performance of the funds, the consistency of your contributions, and market conditions. You may use online SIP calculators to estimate the potential corpus based on your ongoing SIP contributions and expected returns.

Consulting with a financial advisor can provide personalized guidance tailored to your specific circumstances and objectives.
(more)
Sanjeev

Sanjeev Govila458 Answers  |Ask -

Financial Planner - Answered on Feb 06, 2024

Asked on - Oct 26, 2023Hindi

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Money
Hello Sir,My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: It's great that you're investing your monthly surplus in SIPs to build your wealth.

You have a well-diversified portfolio and the funds in your portfolio are performing well in the current market scenario. In the finance planning of any portfolio, we consider many factors, including client age, risk profile, current asset allocation, etc.

All mentioned funds are performing good and have good potential in long-term. However, UTI MNC Fund - Sectoral funds focus on a specific sector or industry and it is difficult to predict which sector will perform and how long. Hence, we recommend to go for diversified funds to avoid the concentration risk
.
If you continue the monthly investment of Rs 18,000 for the next 15 years the accumulated corpus will be 89.92 lakhs approx. at the average growth rate of 12% for 15 years.
Note - the amount may get differ at that time as the actual return can be vary.
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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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