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

Ramalingam Kalirajan  |8292 Answers  |Ask -

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

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Amin Question by Amin on Apr 03, 2024English
Listen
Money

सर, मैं रेडिफगुरु का नियमित पाठक हूं, कृपया पिछले 3 वर्षों से 7-10 वर्ष की अवधि के लिए निवेश के लिए मेरे म्यूचुअल फंड की जांच करें। पराग पारिख फ्लेक्सी कैप-6k/माह एसबीआई कॉन्ट्रा फंड 6k/माह एसबीआई फोकस फंड 2500/माह एक्सिस ब्लू चिप 5000/माह एसबीआई निफ्टी50 इंडेक्स फंड 5000/माह पीपीएफ 8000/माह कृपया लंबी अवधि के लिए सलाह दें और मैं म्यूचुअल फंड में प्रति माह 15k और जोड़ सकता हूं, जहां मुझे प्रति माह 15k जोड़ना चाहिए धन्यवाद

Ans: दीर्घावधि निवेश के प्रति आपकी प्रतिबद्धता देखकर बहुत अच्छा लगा। आपके मौजूदा पोर्टफोलियो में फ्लेक्सी-कैप, कॉन्ट्रा, फोकस्ड और इंडेक्स फंड का मिश्रण है, जो एक अच्छी शुरुआत है। आपके 7-10 साल के क्षितिज को देखते हुए, विकास और स्थिरता के बीच संतुलन बनाए रखना आवश्यक है।

अपने मौजूदा निवेशों को ध्यान में रखते हुए, हर महीने 15k जोड़कर, आप और अधिक विविधता ला सकते हैं। मौजूदा बाजार परिदृश्य को देखते हुए, आप ऐसे सेक्टर या फंड प्रकारों को जोड़ने पर विचार कर सकते हैं जो आपकी मौजूदा होल्डिंग्स को पूरक बनाते हैं। उदाहरण के लिए, आप भौगोलिक विविधीकरण के लिए अंतर्राष्ट्रीय फंड या स्थिरता के लिए डेट फंड पर विचार कर सकते हैं।

यह तय करते समय कि अतिरिक्त फंड कहां आवंटित करना है, अपने जोखिम सहनशीलता और निवेश लक्ष्यों पर विचार करना भी उचित है। यदि आप संभावित रूप से उच्च रिटर्न के लिए थोड़ा अधिक जोखिम लेने में सहज हैं, तो आप मिड या स्मॉल-कैप फंड की ओर झुक सकते हैं। इसके विपरीत, यदि आप स्थिरता पसंद करते हैं, तो लार्ज-कैप या संतुलित फंड अधिक उपयुक्त हो सकते हैं।

याद रखें, जोखिम प्रबंधन के लिए विविधीकरण महत्वपूर्ण है, इसलिए अपने सभी अंडे एक ही टोकरी में न रखें। अपने वित्तीय लक्ष्यों और जोखिम सहनशीलता के अनुरूप रणनीति बनाने के लिए किसी प्रमाणित वित्तीय योजनाकार से परामर्श करना लाभदायक हो सकता है। अच्छा काम करते रहें और निवेश में खुश रहें!
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

Abhishek

Abhishek Dev  | Answer  |Ask -

Financial Planner - Answered on Aug 16, 2023

Listen
Money
हेलो मनी गुरु. मैं कलीम अंसारी, वर्तमान में मैं पिछले तीन वर्षों से निम्नलिखित म्यूचुअल फंड में निवेश कर रहा हूं (रेडिफ गुरु पेज से आपके उत्तर पढ़कर) 1: एचडीएफसी फ्लेक्सी कैप फंड डायरेक्ट प्लान ग्रोथ विकल्प: रु. 2500/माह 2: एचडीएफसी एसएंडपी बीएसई सेंसेक्स -डीपी ग्रोथ: रु. 2500/माह 3: एसबीआई स्मॉल कैप फंड प्रत्यक्ष विकास: रु.5000/माह 4: एचडीएफसी मिडकैप अवसर फंड ग्रोथ: रु. 5000/माह कृपया मुझे वह सुझाव दें। 1: क्या मुझे उपरोक्त धनराशि अगले 10 वर्षों या उससे अधिक समय तक रखनी चाहिए? 2: मैं 10000 रुपये प्रति माह से अधिक निवेश करना चाहता हूं - कृपया 10 साल या उससे अधिक के लिए फंड का सुझाव दें। नमस्कार
Ans: शुभ दोपहर,
आप अपने निवेश के साथ अच्छा कर रहे हैं और हमारा मानना ​​है कि आप इसे जारी रख सकते हैं। आगे के निवेश के लिए, आप रुपये का मिडकैप फंड जोड़ सकते हैं। 5,000: यदि आप जोखिम लेने को तैयार हैं तो कोटक/मिराए/निप्पॉन/एसबीआई अच्छे हैं। बाकी रु. 5,000 को मौजूदा होल्डिंग्स के बीच विभाजित किया जा सकता है: फ्लेक्सीकैप और सेंसेक्स फंड रु। 2,500 प्रत्येक.

..Read more

Ramalingam

Ramalingam Kalirajan  |8292 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 15, 2024English
Listen
Money
नमस्ते सर, मैं 29 साल का हूँ। मैं पिछले 5 महीनों से "ICICI प्री वैल्यू डिस्कवरी ग्रोथ फंड" में 2000/माह का निवेश कर रहा हूँ और इस अप्रैल महीने से 2 और म्यूचुअल फंड में निवेश करना शुरू कर दिया है। 2000/माह - "HDFC फ्लेक्सी कैप ग्रोथ फंड" 2000/माह - "ICICI प्री ब्लूचिप ग्रोथ फंड" मैं हर साल अपनी मासिक SIP राशि बढ़ाऊँगा। मैं बिना किसी तिथि सीमा के लंबे समय के लिए निवेश करने की सोच रहा हूँ, जहाँ तक मैं निवेश कर सकता हूँ। मेरा लक्ष्य सिर्फ़ धन कमाना है। क्या ये तीनों फंड लंबे समय के निवेश के लिए अच्छे हैं या मुझे कोई बदलाव करने की ज़रूरत है?
Ans: जल्दी शुरू करने और हर साल SIP की राशि बढ़ाने का आपका निवेश दृष्टिकोण सराहनीय है। आपने जो फंड चुने हैं, वे प्रतिष्ठित हैं और लंबी अवधि में धन सृजन के लिए उपयुक्त हैं। चूंकि आपका निवेश क्षितिज लंबी अवधि का है और कोई विशेष तिथि ध्यान में नहीं है, इसलिए ये फंड आपके लक्ष्य के साथ अच्छी तरह से मेल खाते हैं। हालांकि, अपने पोर्टफोलियो की नियमित समीक्षा करना और वित्तीय सलाहकार से परामर्श करना यह सुनिश्चित करने में मदद कर सकता है कि यह आपके उद्देश्यों और जोखिम सहनशीलता के अनुरूप बना रहे।

..Read more

नवीनतम प्रश्न
Nayagam P

Nayagam P P  |4465 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
Jee main 2025,my son got 95.2%tile,71104 rank ,ews rank 10111,home state punjab ,can he get cse,ece,data science,it, branch in any nit,iiit,gftis or which branches he will get in these institutes .
Ans: Varinder Sir, Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

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  |4465 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
My son got 93.4 percentile jee main . He got eee bit mesra and cse in srm ktr which prospect is better?
Ans: Sharmistha Madam, prefer BIT-M-EEE. Explore more options for your daughter as back-ups by knowing the JoSAA Counselling Opening & Closing Ranks of last year. 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'

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

Prof Suvasish

Prof Suvasish Mukhopadhyay  |598 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
I have already appeared for the JEE Main and secured a 95.15 percentile, which is close to the previous year's cut-off. My query is whether it is possible to select both options JEE and NFATso that if I do not qualify through my JEE score, my application can be considered based on my NFAT score instead. If selecting both options is permissible, could you please guide me on how to do so while filling out the application form? Your assistance on this matter would be greatly appreciated.
Ans: No, candidates cannot apply using both JEE Main and NAFT scores for the same admissions. JEE Main scores are used for admissions to engineering programs at NITs, IIITs, and other participating institutions, while NAFT scores are used for admissions to NAFT-affiliated universities. These are distinct admission processes, and only one set of scores can be used.

...Read more

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