Home > Money > Question
विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Feb 10, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Prakash Question by Prakash on Feb 09, 2024English
Listen
Money

नमस्ते मुझे निवेश शुरू करना है कृपया कोई अच्छी योजना और अच्छे रिटर्न का सुझाव दें

Ans: मुझे आपकी जोखिम प्रोफ़ाइल, आप कितनी राशि निवेश करना चाहते हैं और आपके भविष्य के वित्तीय लक्ष्यों और आपकी उम्र के बारे में कोई जानकारी नहीं है। निम्नलिखित आपके लिए कुछ उपयोगी दिशानिर्देश हो सकते हैं:-

आपातकालीन निधि: उच्च-उपज वाले बचत खाते या तरल निधि में 3-6 महीने के जीवन-यापन के खर्च को अलग रखें।

ऋण चुकौती: वित्तीय देनदारियों को कम करने के लिए किसी भी उच्च-ब्याज ऋण का भुगतान करें।

विविध निवेश पोर्टफोलियो:

1.इक्विटी निवेश: लार्ज-कैप, मिड-कैप और स्मॉल-कैप इक्विटी म्यूचुअल फंड या ईटीएफ के मिश्रण में निवेश करें।
2.ऋण निवेश: स्थिर रिटर्न के लिए ऋण म्यूचुअल फंड, सरकारी बांड, कॉर्पोरेट बांड या सावधि जमा पर विचार करें।
3.सोने में निवेश: सोने को एक पारंपरिक सुरक्षित-संपत्ति और मुद्रास्फीति और आर्थिक अनिश्चितता के खिलाफ बचाव माना जाता है। आप गोल्ड एक्सचेंज-ट्रेडेड फंड (ईटीएफ), गोल्ड म्यूचुअल फंड, एसजीबी में निवेश कर सकते हैं।
4. सेवानिवृत्ति योजना: ईपीएफ, पीपीएफ, एनपीएस, या सेवानिवृत्ति-केंद्रित म्यूचुअल फंड जैसे सेवानिवृत्ति-विशिष्ट उपकरणों के लिए धन आवंटित करें।

पेशेवर सलाह: अपने वित्तीय लक्ष्यों और जोखिम सहनशीलता के अनुरूप एक अनुकूलित निवेश योजना बनाने के लिए किसी वित्तीय योजनाकार या सलाहकार से परामर्श लें।

अपने वित्तीय उद्देश्यों के साथ ट्रैक पर बने रहने और बदलती बाजार स्थितियों के अनुकूल ढलने के लिए अपने निवेश पोर्टफोलियो की नियमित रूप से समीक्षा करें और उसे समायोजित करें।
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Ramalingam

Ramalingam Kalirajan  |8317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Money
नमस्ते. कृपया मुझे म्यूचुअल फंड में निवेश के लिए कोई अच्छी योजना बताएं.
Ans: अपने वित्तीय लक्ष्यों को समझना महत्वपूर्ण है। आपको अपने निवेश क्षितिज, जोखिम सहनशीलता और भविष्य की वित्तीय जरूरतों को निर्धारित करने की आवश्यकता है।

म्यूचुअल फंड एसआईपी के लाभ
रुपया लागत औसत: एसआईपी आपको नियमित रूप से एक निश्चित राशि निवेश करने की अनुमति देता है। यह बाजार की अस्थिरता के प्रभाव को कम करता है।

अनुशासन: नियमित रूप से निवेश करने से वित्तीय अनुशासन पैदा होता है। यह लगातार बचत और निवेश सुनिश्चित करता है।

किफ़ायती: एसआईपी छोटी राशि से शुरू हो सकते हैं। यह उन्हें सभी निवेशकों के लिए सुलभ बनाता है।

पोर्टफोलियो विविधीकरण
लार्ज-कैप फंड: ये फंड अच्छी तरह से स्थापित कंपनियों में निवेश करते हैं। वे स्थिरता और मध्यम वृद्धि प्रदान करते हैं।

मिड-कैप फंड: मिड-कैप फंड मध्यम आकार की कंपनियों में निवेश करते हैं। वे मध्यम जोखिम के साथ उच्च विकास क्षमता प्रदान करते हैं।

स्मॉल-कैप फंड: ये फंड छोटी कंपनियों में निवेश करते हैं। वे उच्च जोखिम वाले होते हैं लेकिन उच्च रिटर्न दे सकते हैं।

एग्रेसिव हाइब्रिड फंड: ये फंड इक्विटी और डेट को संतुलित करते हैं। वे विकास प्रदान करते हैं और जोखिम कम करते हैं।

इंडेक्स फंड से बचें
सक्रिय रूप से प्रबंधित फंड: सक्रिय रूप से प्रबंधित फंड इंडेक्स फंड से बेहतर प्रदर्शन कर सकते हैं। फंड मैनेजर रिटर्न को अधिकतम करने के लिए रणनीतिक निर्णय लेते हैं।

अनुकूली रणनीति: सक्रिय रूप से प्रबंधित फंड बाजार में होने वाले बदलावों के अनुकूल होते हैं। यह लचीलापन बेहतर प्रदर्शन की ओर ले जा सकता है।

डायरेक्ट बनाम रेगुलर फंड पर विचार करें
डायरेक्ट फंड के नुकसान:

मार्गदर्शन की कमी: डायरेक्ट फंड विशेषज्ञ सलाह नहीं देते हैं। आप रणनीतिक जानकारी से चूक सकते हैं।

बेहतर सेवा: प्रमाणित वित्तीय योजनाकार (सीएफपी) के माध्यम से निवेश करने से नियमित समीक्षा और पेशेवर मार्गदर्शन सुनिश्चित होता है।

निवेश रणनीति
1. स्पष्ट लक्ष्य निर्धारित करें:

अपने अल्पकालिक और दीर्घकालिक वित्तीय लक्ष्यों को परिभाषित करें।

आवश्यक राशि और समयसीमा निर्धारित करें।

2. डायवर्सिफाइड फंड में एसआईपी शुरू करें:

लार्ज-कैप, मिड-कैप, स्मॉल-कैप और आक्रामक हाइब्रिड फंड में फंड आवंटित करें।

विकास को अनुकूलित करने और जोखिम को प्रबंधित करने के लिए संतुलित मिश्रण सुनिश्चित करें।

3. नियमित समीक्षा:

हर छह महीने में अपने पोर्टफोलियो की समीक्षा करें।

प्रदर्शन और बाजार की स्थितियों के आधार पर अपने निवेश को समायोजित करें।

4. आपातकालीन निधि:

अप्रत्याशित खर्चों के लिए आपातकालीन निधि रखें। यह आपके निवेश में कमी को रोकता है।

5. कर नियोजन:

अपनी कर देयता को कम करने के लिए कर-बचत म्यूचुअल फंड में निवेश करें।

अतिरिक्त रणनीतियाँ
पेशेवर मार्गदर्शन: व्यक्तिगत सलाह के लिए किसी प्रमाणित वित्तीय योजनाकार से परामर्श करें। वे आपके निवेश को आपके वित्तीय लक्ष्यों के अनुरूप बनाने में मदद करते हैं।

दीर्घकालिक दृष्टिकोण: दीर्घकालिक विकास पर ध्यान केंद्रित करें। अल्पकालिक बाजार उतार-चढ़ाव के आधार पर आवेगपूर्ण निर्णय लेने से बचें।

अनुशासन और धैर्य: अपनी निवेश योजना पर टिके रहें। नियमित निवेश और धैर्य आपके वित्तीय लक्ष्यों को प्राप्त करने की कुंजी है।

अंतिम अंतर्दृष्टि
SIP के माध्यम से म्यूचुअल फंड में निवेश करना एक स्मार्ट रणनीति है। यह अनुशासित निवेश प्रदान करता है, जोखिम को कम करता है और निरंतर विकास सुनिश्चित करता है। अपने पोर्टफोलियो को विभिन्न फंड श्रेणियों में विविधता प्रदान करें और इष्टतम परिणामों के लिए पेशेवर मार्गदर्शन लें।

सादर,

के. रामलिंगम, एमबीए, सीएफपी

मुख्य वित्तीय योजनाकार,

www.holisticinvestment.in

..Read more

Milind

Milind Vadjikar  |1205 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 22, 2024

Ramalingam

Ramalingam Kalirajan  |8317 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2025

Money
I will invest 6k per month please suggest some safe plan
Ans: Thank you for sharing your plan to invest Rs 6,000 every month. You are already one step ahead. Most people do not even think about investing. You are thinking early. And taking action. That is really good.

Now let us look at how to use this Rs 6,000 monthly in a smart and safe way.

Let me give you a full and simple 360-degree plan.

We will talk about:

What does safe investing mean?

Where to invest Rs 6,000 monthly?

How to keep your money protected?

How to grow your money slowly and steadily?

What risks to avoid?

What not to do?

What you can expect in return?

What you should track and how?

Let us begin step by step.





Understanding What "Safe Investment" Means

There is no investment that is 100% risk-free.





Even bank fixed deposits have some risk. Not all banks are safe.





But we can choose options that are more stable and time-tested.





Safe does not mean no return. But safe usually means moderate return.





You will not get very high returns. But you will also avoid big losses.





When you invest regularly, even small growth becomes big in long term.





So safety and patience work together for success.





Setting a Goal for Your Rs 6,000 Per Month

What is your goal for this Rs 6,000? Is it for retirement?





Is it for child’s education? Or for a future home? Or for monthly income later?





Knowing the goal helps you choose the right investment path.





If your goal is more than 5 years away, you can take slightly more risk.





If your goal is less than 3 years away, you must stay very safe.





Please fix your goal first. That is the starting point.





Best Way to Invest Rs 6,000 Monthly – Step-by-Step Plan

Let me now share a safe and step-wise plan.





Emergency Corpus First

Do you already have 6 months of expenses saved?





If not, keep Rs 6,000 in a bank recurring deposit.





Or use a liquid mutual fund with good safety record.





Build an emergency fund of at least Rs 50,000–Rs 1,00,000.





Only after this, start regular mutual fund investing.





Choose a Regular Plan of Mutual Fund

Please do not choose direct plans of mutual funds.





Direct plans may look cheap. But they do not give personal service.





A Certified Financial Planner can help through regular plans.





Direct plans are like driving without a GPS.





Regular plans give better tracking, support and timely advice.





Avoid Index Funds for Safety

Index funds copy the market. They are not managed actively.





In a bad market, they fall badly. No one protects you.





In actively managed funds, the fund manager reduces risk.





You need active management when you want safety.





So always choose actively managed mutual funds.





Choose Funds Based on Goal Period

If your goal is within 3 years, choose short-duration debt mutual funds.





If your goal is 5–7 years away, use hybrid funds or conservative balanced funds.





If your goal is 7+ years away, use equity mutual funds in small amount.





Your Rs 6,000 can be split as per time.







Suggested Asset Allocation for Rs 6,000 Monthly (General Model)

Assuming long-term goal (5+ years), you can follow:





Rs 3,000 – Conservative Hybrid Mutual Fund





Rs 2,000 – Equity Mutual Fund (Large and Mid-Cap)





Rs 1,000 – Liquid Fund or Short-Term Debt Fund





This mix gives safety, moderate growth, and steady liquidity.





How to Monitor Your Investment

Check once every 6 months. Do not check every week.





Look at performance compared to a fixed deposit.





Your funds should beat FD by 2% or more.





If any fund gives low return for 3 years, change it.





Take help from a Certified Financial Planner.





Use only regular plans through a good MFD and CFP.





Mutual Fund Tax Rules You Must Know

Equity mutual fund returns held for over 1 year are called long term.





Gains above Rs 1.25 lakh yearly are taxed at 12.5%.





Gains below Rs 1.25 lakh yearly are tax-free.





Debt mutual fund returns are taxed as per your income tax slab.





You can use tax-saving mutual funds if needed.





What You Should Not Do

Do not keep all Rs 6,000 in a bank FD. Inflation will eat your returns.





Do not go for chit funds or ponzi schemes. They look safe but are risky.





Do not buy any investment product from insurance agents.





Do not fall for ULIPs or investment cum insurance plans.





Do not stop SIP when market goes down. That is when you get more benefit.





Do not chase the highest return funds. Focus on stable and consistent ones.





Why Safety Does Not Mean Zero Equity

Some equity exposure is good even if you want safety.





Without equity, your money will not beat inflation.





But choose only large and mid-cap equity funds.





And keep percentage low, like 25%-35% of Rs 6,000.





Rebalance every year. Keep your original ratio same.





If You Already Have Insurance or ULIP

If you hold LIC endowment, money-back or ULIP policies, stop future premiums.





Surrender them if lock-in is over and you will get fair value.





Reinvest the maturity or surrender amount in mutual funds.





Keep insurance and investment separate always.





How a CFP Can Help You

A Certified Financial Planner is trained to guide you step by step.





They will not just sell. They plan your whole money journey.





They help in fund selection, monitoring, withdrawal planning, and rebalancing.





They also help in taxes and documentation.





You will not be alone in the process.





What Can You Expect from Rs 6,000 Monthly?

You can create Rs 10 lakh to Rs 15 lakh in 10 to 15 years.





This depends on fund selection and market movement.





But this is possible with patience and discipline.





Start now and stay regular. Do not skip SIP.





What to Do if Goal Changes Midway?

Suppose you need money early. You can stop SIP.





You can start SWP (Systematic Withdrawal Plan) after 3 years.





You can move money to safer funds when you reach the goal.





A CFP can guide how to change funds without big tax impact.





Safe Exit Plan Later

Do not withdraw full amount at once.





Start a SWP after your goal period.





You can take Rs 3,000 to Rs 5,000 monthly from corpus.





This gives income and keeps capital partly invested.





It is better than FD interest.





Finally

Investing Rs 6,000 per month can create big wealth.





Do it in regular mutual funds with active management.





Keep goal clear. Start small. Stay patient.





Do not chase hot tips or risky schemes.





Choose safety first. Add growth slowly.





Review every year with a Certified Financial Planner.





Always keep emergency fund separate.





If you follow this path, your future will be safer and stronger.





Money grows slowly but surely with regular SIP.





Take the first step today. Your future self will thank you.





Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

नवीनतम प्रश्न
Nayagam P

Nayagam P P  |4477 Answers  |Ask -

Career Counsellor - Answered on May 04, 2025

Career
which nit/iiit/gfti can i get with ews quota category rank 30127 in josaa counselling round and in which round
Ans: Kumar, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4477 Answers  |Ask -

Career Counsellor - Answered on May 04, 2025

Asked by Anonymous - May 03, 2025
Career
Jee mains 79.431 per IIIT me admision mil sakta hai kya
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1195 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on May 03, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x