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Let's Talk Money Team

Q 1) Malik Arshad   



 



Hi...



i have following portfolio wherein i am investing Rs10,000/month through
SIP mode and i also want to keep investing for almost 10 to 12 yrs...i also
intend to keep on increasing the investment  by almost Rs 5000. after
every 2 yrs. i wish i could manage a corpus of almost 1 crore after 13 to 15
yrs.



(Part I) 1 .HDFC Top 200..................................    
   .Rs 3000.



            2 .ICICI prudential focussed
bluechip equity... .Rs 2000



            3 .Reliance Equity opp.fund.
                     
     Rs2000.



    4 .BSL mid cap fund,        
                     
        Rs 2000.



    5 .kotak gold          
                     
                  Rs 1000



 



kindly suggest whether i need to change the BSL mid cap with BSL
dividend yield plus,as was suggested to me by my friend as the
earlier fund is a non performing fund



(Part II).



My other savings include :-



 



1.GPF                  
                 Rs 5000/month.



2.Recuring deposit              
   Rs 4000/month



3.LIC Conventional plans        Rs 25000/Yr.



4LIC Samridhi Plus.               .Rs
1 lac.



5.LIC Market Plus.              
  Rs 85000.



6.LICMoney Plus                
 .Rs 10000.



7.LIC Endowment Plus          .Rs.50000.



i need at least 30 lac after my elder
daughter completes her 12 standard.and i also wish to change my car
after 5 yrs from now on and for that i need at least 7 lacs.



 



thanks 



Malik Arshad 



J&K.



9419257489.



 



You should be able to reach about Rs.1
Crore in 15 years assuming that you increase the  SIP investment by Rs.5,000 pm, every two
years.



You could replaced Kotak Midcap Fund.
Suggested fund would be HDFC Midcap Opportunities Fund. If you want to make a
lateral switch within the same fund house, then you can consider Birla Dividend
yield fund.



ICICI Pru Focussed Bluechip Fund to
ICICI Top 100 Equity Fund.



Kotak Gold Fund can be substituted
with Goldman Sachs Gold ETF.



You have not mentioned when your elder
daughter will complete 12th
You need to save roughly Rs.8,600 pm for 5 years to get to Rs.7 Lakhs
for your car. In case you are selling your existing vehicle  and you get some amount there, the amount to
be saved will come down accordingly.



Q 2) Tanmoy Saha



 



Hi Team,



 



I have investments in the following mutual funds:



 



Dsp Blackrock top 100 (G)- Rs 21000 (SIP-2500)



Idfc Premier Equity A (G)-   Rs 22500 (SIP-2500)



Hdfc top 200
(G)              
- Rs   6000(SIP-1000)



Hdfc prudence
(G)            - Rs   7000(SIP-1000)



ICICI focussed equity bluechip-Rs 2000(SIP-1000)



 



PPF total : Rs 5000



 



I wanted to buy a flat (not as an one to live in but to rent it and i
will need to take loan for it) but then I will not be able to save this
much in mutual funds.



Please advice whether should i keep investing in the above funds.



 



 



Thanks,



 



Tanmoy Saha



Age-24



Kolkata



 



I would very much suggest that you
continue with your SIP investments as the returns from rent are generally very
low ( 2-3% of the property value, which can go down further if you account for
tax  ).





Q 3) sambasivarao  



 



This is sambasivarao from Hyderabad. I am single. I earn 40000 every
month. I want to garner 25 lakhs in after 10 years from now. I am yet to invest
in mutula funds. Suggest me good mutual funds and the monthly SIP I need to
contribute to achieve my goal. Also suggest me the percentage of debt, equity ,
gold allocation in my investment.



 



I have ICICI Prudential Icare for 30 lakhs with accident cover.



 



 



Thanks and regards,



Samba panthangi.



 



About Rs.11,000/-pm needs to be saved
for 10 years. Suggested funds would be Can Robeco Equity Diversified Fund (
Rs.4,000pm ), HDFC Midcap Opp Fund ( Rs.3,000pm ) and DSP BR Equity Fund (
Rs.4,000pm ). Gold allocation can be done, going forward. Else, you could also
decrease Rs.1,000 from DSP Equity Fund and allocate to a Gold ETF. Suggested
Gold ETF would be Goldman Sachs Gold ETF.



 



 



Q 4) SANJIV



 



Looking for your advise thru the program on my MF and Equity portfolio.
Following SIP are running per month (current corpus 30L). I also have an equity
portfolio of 9L.

1. Hdfc prudence 20000

2. Hdfc top 200 10000

3. Hdfc equity 10000

4. Dps br top 100 10000

5. Dps br mid cap and small cap 5000

6. Icicl focused blue chip equity 10000

7. Icicl pru discovery 5000

8. Frankline India blue chip 10000

9. Fidelity equity 5000

10. Reliance mip 5000

11. Reliance regular savings equity - No SIP

12. Reliance equity opportunities 5000

13. Gold etf 4 gm per month

14. Ppf 8000 pm

15. RD 5000 pm.



thanks

Sanjiv, gurgaon

9810881341



 



The individual investments in the
portfolio look fine. But, without knowing the objective for which you are
planning, your age, risk bearing capacity etc., it is difficult to assist in
fine tuning the portfolio.



 



 



Q 5) Gagan



Hi,

I am looking forward to invest 2000 per month in Reliance Pharma fund thru SIP.

Is it ok to do so.



Regards,



Gagan Sidana



If you wanted defensive investment
pharma fund would be fine. Even a FMCG fund should be fine from that point of
view. 



 



Q 6) VASANTH KUMAR



Hai



Great job done by both NDTV and you.



The way you present the show is super.



The guest speakers from the relevant
field are so good with sound knowledge & skill to answer.



The show is making the viewers to think
big, as the show puts the thought in us & influence us to start savings.



 



MY NAME     :
          VASANTHKUMAR
S        



 



 AGE:  51



   



EMPLOYED :          NLC Ltd
(PSU) Neyveli, Tamilnadu



 



MY DEPENDENTS:



 



WIFE age 45



 



 SON
age 22



 



           
WIDOW MOTHER Age 74



 



INCOME:



 



MY TAKE
HOME SALARY: Rs 25000 +



 



MOTHER
INCOME: Rs   7000.00



 



SALARY SAVINGS: Approx: Rs14, 225 per month    (In CPF I have 8.00Lakhs)



 



INSURANCE



 































































































Name ofLIC policy



Date



Plan



monthly / ANNUAL Due



Sum



NAME



Money Back



20.03.1996



75/20/20



282.00



50000



VASANTHKUMAR



SELF



Money Back



12.02.1998



75/20/20



287.00



50000



VASANTHKUMAR



SELF



Money Back



20.12.2000



75/20/20



292.00



50000



VASANTHKUMAR



SELF



JEEVAN MITRA



15.03.2001



88/20/20



265.00



50000



VASANTHKUMAR



SELF



JEEVAN SATHI



20.03.2002



89/18/18



312.00



50000



VASANTHKUMAR



SELF



NEW BIMA KIRAN



10.07.2005



150/16/16



250.00



100000



VASANTHKUMAR



SELF



JEVAN SNEHA



28.03.1997



128/20/20



3597



50000



LAKSHMI



WIFE



JEEVAN SATHI



20.03.2002



89/18/18



0.00



50000



MOHANCHANDHAR



SON




 



RETIREMENT AGE 60 (2021)



 



Retirement Company benefits: CPF + Gratuity + Health card  Rs. 4 Lakhs for Employee
& Spouse



 



Health Insurance: Nil



 



 



SAVINGS



















































































Fund Name



Amount



from



Frequency



HDFC - Top 200 Fund - (G)



2000.00



15/07/2011



Monthly



Reliance - Equity Opp (G



3000.00



21/01/2011



Monthly



Birla SL - Frontline Equity Fund Plan
(G)



1000.00



04/11/2009



Monthly



Reliance - Gold Savings Fund (G)



1000.00



10/07/2011



Monthly



Reliance - Growth Fund (G)



2000.00



01/07/2010



Monthly



Birla SL - Tax Relief 96 Fund ELSS (G)



1000.00



15/09/2009



Monthly



SBI - M Tax Gain (G)



1000.00



05/11/2008



Monthly



DSP Black Rock - Equity Fund Reg (G)



1000.00



25/03/2010



Monthly



HDFC - LongTerm Advantage Fund (G)



1000.00



06/11/2008



Monthly



ICICI Pru - Infrastructure Fund (G)



1500.00



15/09/2009



Monthly



LIC PLAN 191MARKET PLUS (FUND TYPE)
GROWTH



1000.00



01/09/2008



Monthly



LIC PLAN 188 PROFIT PLUS GROWTH FUND



10000.00



01/2008



Yearly




 



MY GOAL



 



2014 / 2015 
              ABROAD
TRIP FOR THREE @ 2.00 LAKHS EACH



 



2016 /
2017              
SON wedding @ 7.00 LAKHS



 



2019/2020
               
CAR @ 10.00
LAKHS                    



       



2020 /
2021              
FARM HOUSE @ 25.00 LAKHS



 



 



2021 after my Retirement: I
need Rs25000/- monthly till
life time
 for myself & my
wife.



 



Do I need a health insurance for me&
wife? If yes when & were to take.



 



Kindly tell me the SIP done by me is
correct. If no advice me to fund name & amount.



 



Can I get the amount as per my (goal) need?



 



Tell me which fund can be withdrawn for
my goal in the year needed without losing much for tax.



 



Kindly advice me for my secure &
safe future



 



Thanks a lot



 



Vasanthkumar.s & family



9789040155



rtnvasanth@gmail.com



 



From the portfolio mentioned, it
appears difficult to meet the goals mentioned. 
For instance, just to get Rs.25,000/-pm one needs a corpus of
approximately Rs.85 Lakhs.



Since you have a medical cover
from your company, I would suggest a top up cover of five lakhs with a Rs.2
Lakh deductible, for you and your wife. This kind of cover will pay you in
excess of claims above Rs.2 Lakhs, which your company anyway provides.



You can stop Birla Frontline
Fund, Reliance Growth Fund & ICICI Infrastructure Fund ( to the tune of a
toal of Rs.4,000 pm ) to Rs.Canara Robeco Equity Diversified Fund – Rs.2,000 pm
& Franklin Bluechip Fund – Rs.2,000 pm. Magnum Taxgain can also be stopped
and Rs.1000 increased in HDFC LT adv fund.

7 years ago

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About The Anchor: Manisha Natarajan



Manisha Natarajan is Executive Editor Business and Real Estate at NDTV. She currently hosts the daily prime time real estate programme 'The Property Show' and a weekend personal finance show ‘Let's Talk Money’.

Manisha learnt the ropes of television journalism as a reporter for BBC World's 'Moneywise' and 'India Business Report'. She has anchored over 1000 hours of live business news, including key events such as the Union Budget, Economic Survey, Credit Policy and Tax Roundtables.

She's also a keen blogger on ndtv.com and has been an in between columnist with Indian Express - ‘Stock Talk’ and Mint - ‘Money Matters’.


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There are either personal finance shows or business shows. The two don't meet. Let's Talk Money decodes top business headlines for your wallet.

Fun segments on money and strong advise on money management follow. No long winding discussions, no hedging answers to play safe. Along with industry specialists and experts, the show gets viewers to sit up and take control of their money, asking questions relevant to a large audience out there.


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