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Ramalingam Kalirajan1389 Answers  |Ask -

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

Asked on - Dec 18, 2023Hindi

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Hi Ulhasji.. I want your expert opinion over my investments mentioned below, request to guide how to assess and make changes and shuffle the funds over the period of time for incurring maximum profits. My Goals : 1. I have twin daughters aged 14yr. Looking forward for their higher education and marriage. 2. I want to purchase a 2BHK flat up to ?90L within 10yrs. 3. Retirement corpus of ?4crores My investments : 1. ?1.7L invested Lumpsum in SBI EQUITY HYBRID FUND since Oct2022. 2. ?75K invested lumpsim in SBI BLUE CHIP FUND SINCE OCT 2022. 3. ?50K KOTAK FLEXICAP FUND SINCE OCT 2022 4. ?50K PARAG PARIKH FLEX CAP SINCE SEP 2023. 5. SIP ?1000 IN 360 ONE FOCUSED EQUITY FUND 6. SIP ?4000 IN ABSL NIFTY SMALL CAP 50 INDEX FUND 7. SIP ?500 in NIPPON INDIA VALUE FUND
Ans: Your aspirations for your daughters' future, a dream home, and a comfortable retirement paint a picture of careful planning and loving foresight. Your investments reflect a blend of equity and hybrid funds, a strategy that offers growth potential with a calculated level of risk.

To navigate towards your goals, consider the evolving needs of your daughters as they approach higher education and marriage. Are you prepared for the dynamic costs associated with these milestones? Moreover, the quest for your dream home and retirement corpus demands a long-term perspective. Have you factored in inflation and changing market conditions?

As a Certified Financial Planner, I commend your commitment to securing your family's future. It's essential to periodically reassess your portfolio's performance and relevance to your goals. Adjustments may be necessary along the way to ensure alignment with your evolving needs and market dynamics.
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Ramalingam

Ramalingam Kalirajan1389 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Asked on - Jan 06, 2024Hindi

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Hi Kirtanji.. I want your expert opinion over my investments mentioned below, request to guide how to assess and make changes and shuffle the funds over the period of time for incurring maximum profits. My Goals : 1. I have twin daughters aged 14yr. Looking forward for their higher education and marriage. 2. I want to purchase a 2BHK flat up to ?90L within 10yrs. 3. Retirement corpus of ?4crores My investments : 1. ?1.7L invested Lumpsum in SBI EQUITY HYBRID FUND since Oct2022. 2. ?75K invested lumpsim in SBI BLUE CHIP FUND SINCE OCT 2022. 3. ?50K KOTAK FLEXICAP FUND SINCE OCT 2022 4. ?50K PARAG PARIKH FLEX CAP SINCE SEP 2023. 5. SIP ?1000 IN 360 ONE FOCUSED EQUITY FUND 6. SIP ?4000 IN ABSL NIFTY SMALL CAP 50 INDEX FUND 7. SIP ?500 in NIPPON INDIA VALUE FUND
Ans: It's commendable that you're planning for your daughters' education, marriage, purchasing a home, and your retirement. Let's analyze your current investments and align them with your goals.

Education & Marriage for Daughters: Since these are medium-term goals (within 10-15 years), equity-oriented investments like SBI Equity Hybrid, SBI Blue Chip, Kotak Flexicap, and Parag Parikh Flexi Cap are suitable. You might want to consider adding more diversified equity funds to capture growth opportunities across various sectors.
2BHK Flat Purchase: With a 10-year horizon, a mix of equity and debt funds can be a good strategy. Consider diversifying into Real Estate Mutual Funds or REITs for direct exposure to the real estate sector, in addition to your current funds.
Retirement Corpus of ?4 Crores: Given the long-term horizon, equity investments are crucial. The SIPs in focused equity and small-cap funds are apt. You might also want to explore large-cap funds for stability and international funds for diversification.
Suggestions:

Review & Rebalance: Regularly review your portfolio to ensure alignment with your goals. As your investments grow or market conditions change, rebalance your portfolio.
Diversification: While you have a good mix, consider adding international funds or sector-specific funds for diversification.
Risk Assessment: Understand the risk associated with each fund. Ensure your risk appetite aligns with your investment choices.
Professional Advice: Consider consulting a Certified Financial Planner for personalized advice tailored to your goals and risk tolerance.
Remember, while aiming for maximum profits, it's crucial to maintain a balanced portfolio that aligns with your financial goals, risk tolerance, and time horizon. Keep investing regularly, stay informed about market trends, and adjust your portfolio as needed.
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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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