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Prateek
Prateek
Ulhas

Ulhas Joshi266 Answers  |Ask -

Mutual Fund Expert - Answered on Jul 07, 2024

Asked on - Jul 05, 2024Hindi

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Money
Hello Sir, I am 34 years old and with 10 years in mind for investment to reach 1CR, I have planned to invest 30K monthly in SIP with stepping up by 10-12% every year. I am already investing the below amounts in MF schemes 5K - Parag Parikh Flexi Cap, 5K - Motilal Oswal Mid Cap, 5K - Nippon India Small Cap, 5K - HDFC Balance Advantage Fund. I am a bit confused for the remaining 10K i.e., where to invest. Shall I increase the already invest amount in MF or shall take 1-2 more MFs scheme like Multi-Cap/Large Cap/another Flexi Cap OR any hybrid MF schemes Would taking 1-2 more MF scheme will overdiversify the portfolio? Can you please suggest some pointers on this.
Ans: Hello Prateek & thanks for writing to me. Assuming that you are able to generate an XIRR of 12%, you will be able to create a corpus of Rs.1 Crore in around 10 years.

As your time horizon is 10 years, I recommend you invest only in equity schemes which can potentially generate higher returns than hybrid schemes like a balanced advantage fund or dynamic asset allocation fund.

You can consider investing equally in:

1.Small Cap Scheme
2.Mid Cap Scheme
3.Flexi Cap Scheme
4. Multi Cap Scheme

Your 5th scheme can be a thematic scheme like a momentum fund or a special opportunities fund or a broader category like a special opportunities fund.

You can consider investing solely in equity schemes for the first 7 to 8 years and then change the asset allocation to have a mix of hybrid schemes like BAF/DAAF's, Multi Asset Funds and aggressive hybrid funds in the last 2-3 years of your 10 year horizon.
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Ulhas

Ulhas Joshi266 Answers  |Ask -

Mutual Fund Expert - Answered on Mar 27, 2024

Asked on - Mar 24, 2024Hindi

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Hello Ulhas, I am 33 years and I want to start investing in MF with amount 25k per month till next 10-15 years so that I can get a good corpus for my child's education and also retirement . I am also planning to increase the amount each year for this . Can you please help in which type of funds should I invest ( also the company if possible) and how much amount should I increase each year.
Ans: Hello Prateek & thanks for writing to me. As your goal is long term, you can consider investing in equity schemes for around 10 to 12 years, stop your SIP's in equity funds & begin SIP's in balanced advantage funds & multi asset funds for the remainder 3 to 4 years.

You can invest in a mix of

1-Flexicap Funds: 50% of your investible corpus.
2-Multicap Funds:25% of your investible corpus.
3-Midcap Funds: 12.5% of your investible corpus.
4-Smallcap Funds:12.5% of your investible corpus.
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Samraat

Samraat Jadhav1877 Answers  |Ask -

Stock Market Expert - Answered on Mar 24, 2024

Asked on - Mar 24, 2024Hindi

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Hello Samrat, I am 33 years old and want to start investing in stocks but truthfully speaking , I have zero knowledge. Got recommendation to invest in BEES stock and they are less risky but I wanted to know how can I start this journey of investment in stock market. I am a salaried person , so can't give much time each day to look like stock market , so can you please help me with this.
Ans: ETF’s Bees are the best for you and you can do this through a monthly SIP mode, but equal sum every month and keep building your portfolio. This can be purchased from your brokers app.
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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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