Ramalingam Kalirajan

Answered on Dec 05, 2023

Question by amarendra - Sep 28, 2023Translate

I will retire next month. Will get approx.2.0 cr . suggest where to invest to get maximum monthly income

Ans: A combination of debt and equity is needed. Debt can be in FD, POMIS, SCSS and SWP from debt funds. Equity can be in diversified equity funds. Approximately 70% can be in debt and 30% can be in equity in a retirement portfolio. In order to arrive at a specific asset allocation ratio and withdrawal plan, pls consult a financial planner.

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Answered on Nov 01, 2023

Question by Vikash - Oct 30, 2023Translate

Sir, I have lost about 12lacs in trading and whenever I go to recover it I loose more, what is the best way to get out of it and regain my financial health?

Ans: Vikash,
Trading is a Zero-sum game. Money is just getting rotated from one trader to the other trader. Money is not getting generated. The only person who makes regular income in trading is the broker.

So instead of trading, please consider, long term investing via mutual funds.

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Answered on Oct 26, 2023

Question by giridhar - Sep 25, 2023Translate

Currently my Son is investing about 5000 each in quant small cap fund growht, sbi small cap fund growth and adithy birla mid cap index fund growth. please advice for any changes and also recommend couple of funds where he can invest. thx

Ans: Investing only in midcap and small-cap funds will make his portfolio more aggressive. To be a moderate risk taker, please add a large cap fund as well. That will add more stability to his portfolio.

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Answered on Oct 26, 2023

Question by Ashok - May 11, 2023Translate

Dear Hardik, I am 50 year old and my CTC around 20 Lakhs. I want to start now MUTUAL FUNDS / SIP investments with a single lump sum amount for high return . Right now I am putting regular money in BANKS FD's only. Kindly advise / suggest how can i go ahead.

Ans: FDs will not help you beat inflation. FD is not a good place to park your long-term money.

Pls do Lumpsum and SIP in a good actively managed diversified equity funds.

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Answered on Oct 26, 2023

Question by Satheesh - Oct 18, 2023Translate

Hi. I have multiple mutual funds and out of that I have 2.5 Lakhas in SUNDARAM LARGE AND MID CAP FUND REGULAR GROWTH has been showing the poorest growth 12% returns in last 5 years while other are around 100%. Will I have capital gains if I dispose it and reinvest in other.

Ans: Upto 1 lac Rs per annum is available as an exemption for capital gain.

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Answered on Oct 26, 2023

Asked by Anonymous - Oct 18, 2023Translate

IT engineer 45 yrs old. I and wife earn 80L per year. 1.25L monthly investment in SIP. Current Mutual fund networth is 70L. We have company esops worth 7-8CR. Have 2 kids of age 14 yrs. Willing to retire by 50 yrs of age. Willing to secure - Kids education, kids marriage, health insurance and monthly income 2-3L How much corpus we need before retiring.

Ans: How much corpus needed depends on what kind of monthly income you are expecting during your retirement.

BTW, esops 7-8 crores , need to be definitely diversified. Your employment income and investment income should not be from the same source. This increases your overall risk.

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Answered on Oct 26, 2023

Asked by Anonymous - Oct 20, 2023Translate

Hi, I am at 32 years old my monthly income is 32000 I also have home loan where my EMI is 14000 how much can I save monthly so at the age of 60 I get at least 1 cr

Ans: By investing Rs 5000 in a good actively managed diversified equity funds, you can accumulate Rs 1.21 crores when you reach 60 years. The assumed rate of return is 12%

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Answered on Sep 25, 2023

Question by Sukumar - Jul 14, 2023Translate

How about investment in LIC's Jeevan Shanti policy for 10 lacs - I am aged 66 years.

Ans: Please don't go for readymade pension policies. Poor returns and not tax efficient.

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Answered on Sep 25, 2023

Question by rudolf - Sep 14, 2023Translate

Hi this is Rudolf , i am 46 years old and want to build a portfolio of 2 crores First of all, thank you for taking the time to review questions from viewers. I would be really grateful if you could review my investment portfolio. I invest 64,000 rupees every month in a direct mutual fund, and my plan is to continue this for the next 10 years. Thank you! Previously, I used a broker for my investments, but now I have stopped using their services and kept those funds as they are . Currently, I am investing in the following mutual funds through the Coin app: ICICI Pru Bluechip - 12,000 rupees Mirae Asset Emerging Bluechip - 4,000 rupees Axis Mid-cap - 5,000 rupees HDFC Mid-cap Opp - 5,000 rupees Axis Small-cap - 6,500 rupees Quant Active - 6,500 rupees Parag Parikh Flexi-cap - 8,000 rupees UTI Nifty 50 - 6,000 rupees Navi Nasdaq - 6,000 rupees Tata Digital Industries - 5,000 rupees Please advice.

Ans: Please check the overlap ratio of each fund in your portfolio when you add. Lesser the overlap ratio is better. There is no meaning in buying the same underlying stocks through different funds. If you find it difficult to decide the overlap ration or allocation, you can consult with financial planner or a professional mutual fund distributor who will be able to suggest and review periodically.

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Answered on Sep 25, 2023

Asked by Anonymous - Sep 16, 2023Translate

I have 10 lakh rupees in FD which I want to move in MF. Please suggest some fund for lump sum amount to invest for 5-7 years.

Ans: FD is a Risk Free Asset. But will not beat inflation. Also it is not tax efficient.
Debt Mutual Funds have low risk. Again, this also will not beat inflation. Tax deferment is possible.
Equity funds have high risk. This will surely beat inflation in the long run. Tax efficient.
Instead of Lumpsum, you may consider STP in Actively managed diversifed equity funds, if you have a right financial planner / a professional mutual fund distributor. If you want to do it yourself, then you can settle for conservative index funds.

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Answered on Sep 25, 2023

Asked by Anonymous - Sep 24, 2023Translate

I am banker at 55. I want to retire now . I will get 60 lakhs and no pension. I have my own house in Delhi. Please advise if I can manage ?

Ans: It depends on the monthly income you are looking for. SWP from a combination of debt funds and equity funds can help.

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Answered on Aug 30, 2023

Question by Hemalatha - Aug 22, 2023Translate

Hi Nikunj, I'm a 30 year old currently married with no kids.I want to accumulate a corpus of 50 lakhs for my kids education and marriage in 20 years. How much SIP needs to be done and pls suggest the funds

Ans: Please do SIP in actively managed diversified equity funds which are performing consistently.

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Answered on Aug 30, 2023

Question by Subho - Aug 30, 2023Translate

Hi Vivek, I am 43 years old. I have a monthly sip of 35k going on. I have started investing in mutual fund and sip from year 2013. Total mutual fund plus sip current market value is 1 core 9 lakhs . I plan to invest 35 k per month more for 7 to 8 years , when i want to leave job and do something else. Can you tell me what will be my corpus in 7 to 8 years down the line taking both current valution plus what i am going to continue investing?Also, i have another 1 corore total in other investment like Voluntary provident fund, Epf, ppf and esops from my company and pension fund . Here i do a monthly investment of around 80 k via mostly through company for tax savings. So what will be my total corpus after 7 to 8 yrs. Also, is it good for retirement considering my current monthly expense us 1 lakh.

Ans: You are on the right track Subho. Longevity has increased. Post-retirement risk free interest rate has come down. Inflation has gone up.

So when planning for retirement corpus, back-of-the-envelope calculations won't work. You need to project your financial life from now to retirement and retirement to life expectancy. If it is not possible for you to do that, then approach a financial planner who will be able to create a financial roadmap.

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Answered on Aug 04, 2023

Question by Lakshminarayanan - Jul 04, 2023Translate

Dear sir, I have 2.50 Lakhs to invest. Suggest some good shares/mutual fund schemes in the medium term.

Ans: To invest for a medium term of 3-5 years, you can consider investing in Balanced funds.

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Answered on Jul 27, 2023

Asked by Anonymous - Jul 11, 2023Translate

My father passed away last year.He had way back in 2000 invested money in mutual funds. After his death i got the mutual funds transferred in my name. there are few mutual funds for which i am receiving payout which is credited to my saving account and i will add this amount to my total income and pay relevant income tax. There are few mutual funds where as i understand the dividend received is converted into units and added to the existing units is this taxable or i have to pay tax only when i redeem the mutual fund. IF it is to taxed than how do i find the dividend received for each mutual fund . Thanking you in advance

Ans: If it is growth fund, and the value is appreciating, then no need to pay tax now. Taxability will arise only on withdrawal.

If the fund is in the dividend reinvestment option, then for the dividends reinvested also, you need to pay tax.

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Answered on Jun 15, 2023

Asked by Anonymous - Jun 13, 2023Translate

What is Long-term capital gains and short term capital gains

Ans: You get short-term capital gains if you redeem your equity fund units within one year. These gains are taxed at a flat rate of 15%, irrespective of your income tax bracket.

You get long-term capital gains by selling your equity mutual fund units after holding them for over one year. These capital gains of up to Rs 1 lakh a year are tax-exempt. Any long-term capital gains exceeding this limit attracts LTCG tax at 10%, without indexation benefit.

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Answered on Jun 13, 2023

Question by Vivek - May 12, 2023Translate

I have invested in TATA DIGITAL REGULAR FUND for the last 18 months and it is still negative 19%. Should I exit?

Ans: Sectoral funds are riskier. You may have to wait for a longer tenure for it to recover in general. That's why diversified equity funds are suggested for investors. In diversified equity funds, the fund manager will decide when to enter into a particular sector and when to exit from a particular sector.

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Answered on Jun 13, 2023

Question by Biswa - May 29, 2023Translate

My son 48 years working in a East African company on contract basis for last 5 years and a NRI. He owns a flat and some bank savings. Wants to invest in MF . Kindly advice suitable FUNDS for investment upto 5 yearss

Ans: He can invest in actively manged diversified equity funds.

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Answered on Jun 13, 2023

Asked by Anonymous - Jun 03, 2023Translate

Please review my portfolio for 10 year investment horizon (60k SIP pm). Should I expect 12-15 percent annualized return in next 8-10 years? What needs to be done to reach 1 Cr corpus in next 5 years? I plan to increase the SIP to 1 Lac pm in next 18-24 months. Which funds to consider for remaining 40k? I am almost 40 Years age. Parag Parikh Flexi Cap Fund Direct Growth 20000 Nippon India Index Fund Sensex Plan Direct Growth 10000 Mirae Asset Emerging Bluechip Fund Direct Growth 5000 PGIM India Flexi Cap Fund Direct Growth 15000 Quant Mid Cap Fund Direct Growth 10000

Ans: Assuming 10-12% return from equity funds will be reasonable.

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Answered on May 24, 2023

Question by Munim - Apr 08, 2023Translate

Hi, I am 45 years old. I have invested in Mutual Funds through Lump Sum and the invested Corpus is INR 33 Lakhs (Market Value of INR 32 Lakhs as on date). Have 4 LIC Policies of 25 years Plans (Cumulative Annual Premium of INR 1.1 Lakhs and 10 years left for maturity). Loans and Liabilities are around INR 35 Lakhs (Home Loan and others). Present monthly expense is INR 1 Lakh. How much Corpus would I require to live leisurely after 60 (Life expectancy of 80) without compromising on lifestyle & increased medical needs. I expect to work till 60 but with the present uncertainties going on, may be next 15 years would go on making the Liabilities nil. Am I on track Sir ? If not, what do I need to invest more (Lump Sum) and how many years of growth should the investment get to give me the required returns.

Ans: 1). LIC policies - review them and decide whether to retain or surrender. Most of the endowment policies deliver an IRR around 5%.
2) MF - Pls review the schemes with a good MFD or RIA.
3) Please consult a Certified Financial Planner for the corpus calculation.

In most of the cases, a CFP will be capable of completing all the 3 for you.

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Answered on May 24, 2023

Question by V - Apr 24, 2023Translate

Sir, to a specific question by Mr.Mahendra on 8/3/23 on PPF, your answer has dealt with only EPF ? In my view, PPF is EEE and there is no TDS also on withdrawals after maturity. Pl clarify

Ans: PPF is also EEE.

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Answered on May 24, 2023

Question by Kamlendra - May 16, 2023Translate

Hi Sir , hope you are good i regularly follow you here are details of my investment im 38 years old i have mf portfolio of 5.3 lakh i invest through sip 1 Nippon small cap : 5000 2 Kotak small cap : 5000 3 PGIM flexi cap : 4000 4 Quant small cap : 4000 5 Tata small cap : 4000 I also invest 12.5 thousand monthly in PPF and i invested in LIC guaranteed plan which i will be receiving 65 Lakh at the age of 60 years I also invest 3000 monthly in Jeevan umang I want to know my corpus at the age of 60 years .

Ans: For equity mf, you can assume 10% to 12 % CAGR.
LIC guaranteed plan and jeevan umang - you should have avoided them as they are insurance cum investment products.

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Answered on May 24, 2023

Question by deven - May 17, 2023Translate

Dear sir i m start to SIP Rs 2000 for 15 to 20 Year Approx. return 14% To 20% Which mutual fund is best for SIP ?

Ans: I suggest you to have an expectation of 10% to 12% to be more realistic.
You can choose actively managed diversified equity funds.

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Answered on May 10, 2023

Question by PRADEEP - Apr 27, 2023Translate

I am 44 now and planning to retire by 60 I have One Boy with age 12. Need suggestion on investment planning on their education and my retirement income at the age of 60. please advice accordingly?

Ans: Please do SIP in 2-3 good equity mutual funds.

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Answered on May 10, 2023

Question by Premkumar - May 05, 2023Translate

Hi sir my age is now 49 I need to invest in mutual funds through sip 5000 every month for 10 ten years which is the best please Advise. Thank you sir

Ans: Pls select a good active diversified equity fund.

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Answered on May 10, 2023

Question by Nirmal - May 08, 2023Translate

My son(27 yrs) wants to create an SIP of Rs.20K monthly for 20 years for Infosys and ITC each. How much wealth can he expected to create by this action at the end of 20th year. Is it a wise approach for weath creation.

Ans: Investing only in just 2 stocks may not be the right approach. Need to have reasonable diversification.

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Answered on Apr 22, 2023

Asked by Anonymous - Mar 31, 2023Translate

Partha Pratim Chowdhury :: Kindly give your valuable advise ...SWP is better than MIS in Bank/Post offict....

Ans: It depends on your planning. Pls reach out to your financial planner,

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Answered on Apr 22, 2023

Question by JOSEMON - Apr 01, 2023Translate

i have only one lakh rupees with me and age69 ardently want to grow to 3 crores in next one year

Ans: I am sorry. 1 lac becoming 3 crores in 1 year is not possible with investments. If you take such a risk, there is a high probability you may lose your principal.

Your investments will need to compound to become a huge wealth. Compounding takes place only with time.

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Answered on Apr 22, 2023

Question by Bhavna - Apr 06, 2023Translate

Which mutual fund is best for sip??

Ans: If you are familiar with selecting good funds, then go for active equity funds. You can also get help with MFD or advisor in selecting good funds.

Otherwise, you can go for simple index funds.

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Answered on Apr 22, 2023

Question by Dillip - Apr 07, 2023Translate

Hallo Sir, I am 44 years old a salary person and invest in MF last 4 years and NPS in last 2 years and getting good return. last 6 months I am starting invest in shares market but loosing money in regular basis. Please suggest

Ans: Investing in direct shares needs time and expertise. Either you need to learn a lot and slowly build a direct stock portfolio or focus only on mutual funds.

Mutual funds can give inflation-beating returns to meet your financial goals.

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Answered on Apr 22, 2023

Asked by Anonymous - Apr 13, 2023Translate

Hi sir, I have the following mutual funds in SIP Axis Focused 25 Fund - Growth - 10k (Started in 2019) current value is 4.5L with overall gain only at 5% Tata India Consumer Reg-G - 5K (started in 2021) current value is 1.4L with overall gain at 5% Axis Flexi Cap Fund - Growth - 5k (started in 2021) current value is 1.8L with overall gain at 5% Can you please suggest me some good funds as I plan to redeem the above invest lumpsum with a horizon of 3+ years.

Ans: Please allow 5-7 years for a fund to show performance. In the last 2 years, the market is range-bound. So expecting above-average returns in this period is not correct.

Also avoid, investing in thematic funds as they have a concentrated portfolio of 1 or 2 sectors.

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Answered on Apr 13, 2023

Question by Ganesh - Apr 13, 2023Translate

Sir since last few days covidcases are going up, will this have impact on market? Should we hold or sell our shares

Ans: There is a possibility. However, we have overcome covid in 2020. We have learnt how to treat covid patients and invented vaccination. It should not create a major impact IMO.

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Answered on Apr 05, 2023

Question by Rajesh - Apr 05, 2023Translate

Hi Rama Sir, Good day. I am planning to start SIP's (55K per month) in the following Mutual funds for a horizon of 5-7 years to create 1 corpus. Could you please review and suggest if they look fine or need any changes/alternate funds. I am fine to take higher risks. Thanks a lot. Have a Good Day. Canara Robeco Small Cap 4000 Nippon India Small Cap 4000 Quant Small Cap 4000 HDFC Small Cap 4000 HDFC Flexi Cap 5000 Quant Flexi Cap 5000 Parag Parikh Flexi Cap 5000 HDFC Balanced Advantage Fund 6000 ICICI Prudential Balanced Advantage Fund 6000 Motilal Oswal Midcap fund 6000 HDFC Retirements Savings Fund 6000

Ans: 2 or 3 diversified equity funds are sufficient. No need to diversify in 10 funds. You will end up buying same securities thru different funds.

Over-diversification will lead to dilution of returns.

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Answered on Apr 05, 2023

Question by Rajshekhar - Apr 04, 2023Translate

I am 48..wants to invest 50 lacs out of which I want 25000 as fixed monthly income and other to invest for 10 years or more..

Ans: Pls, use a combination of equity funds and debt funds. From debt funds, do SWP for monthly income.

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Answered on Apr 05, 2023

Question by shankar - Apr 04, 2023Translate

is there any rsik inplacing FD with Yes bank over and above Rs5 lacs

Ans: In any bank, the deposit insurance is available only upto Rs 5 lacs. Also yes bank did not repay to their bond holders earlier.

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Answered on Mar 30, 2023

Question by VK - Mar 29, 2023Translate

VKS : Would like to invest Rs 10 Lacs for 5 years , suggest good yield stock

Ans: Instead of investing in a single stock, you can invest in a few equity funds thru STP. It will derisk your investment considerably by diversification. Managing your portfolio is also easy.

In the longrun, it is expected to deliver 12% CAGR.

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Answered on Mar 30, 2023

Question by Samir - Mar 29, 2023Translate

Sir, I want to invest 1 lakh through lumpsum investment for 15 years. What will be the final amount after maturity and in which stock should i invest.

Ans: Hi Samir,
Instead of investing in a single stock, you can invest in a well-diversified equity fund. It will derisk your investment considerably by diversification.

In the longrun, it is expected to deliver 12% CAGR.

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Answered on Mar 10, 2023

Question by Madhumohite - Mar 02, 2023Translate

I am 49 now and planning to retire by 60 i have two daughters with age 13 and 6 .Need suggestion on investment planning on their education and my retirement income at the age of 60 .pls advice accordingly

Ans: 1. Please term insurance to cover your life.
2. Take a separate mediclaim policy in addition to the one provided by your employer.
3. Start SIP in mutual funds. 70% in equity funds, 25% in debt funds, and 5% in Gold Funds. ( this will help you build corpus for Kids education and retirement)
4. Review your portfolio with a professional financial planner periodically.

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Answered on Mar 01, 2023

Asked by Anonymous - Feb 23, 2023Translate

I have been investing a sizeable portion of my savings in 5 funds from the Quant AMC through SIPs over the past one year. Due to overexposure to Adani shares, the funds which were doing exceptionally well till now have fared very badly recently. Coincidently, my SIPs are ending in March 2023. Should I renew my SIPs or start SIPs in fresh set of funds? Apart from Quant I also have investments in PGIM, Kotak, Parag Parikh, Nippon and Mirae funds. Kindly advise and also suggest some good funds.

Ans: Please diversify your investments across AMCs

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Answered on Mar 01, 2023

Question by Rabindra - Feb 24, 2023Translate

Dear sir, I am 58. Will Superannuate during 2027. Can I start a mutual fund investment. Please guide what is the fund I shall invest.

Ans: As you are 58, having close to 70% allocation in fixed-income instruments and debt funds can be considered. The balance of 30% can be invested in equity funds for the long term. This 30% equity exposure will help you meet inflation.

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Answered on Feb 23, 2023

Question by PRADEEP - Feb 05, 2023Translate

I wish to invest Rs. 5000 each per month in Parag Parekh Flexi cap and Parag Parekh Tax saver funds for at least 3 years. Is it advisable and right seeing turmoil in Indian markets ? Kindly advise or suggest alternatives. --Pradeep Kumar

Ans: Equity funds can be considered for a minimum time horizon of 5- 7 years. 3 years is short term. When there is negative news, it is actually a good time to invest. You can continue in equity funds if you could stay the course for the next 7 years.

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Answered on Feb 23, 2023

Question by Irish - Feb 09, 2023Translate

Hi. My monthly salary is 47 thousand rupees per month. I invest 5000 per month in mutual funds (SBI blue chip), 2650 (950+1700) rupees per month in two separate LIC policies, 3050 rupees per month in a single life policy of Future Generali insurance company. I also have a FD of INR 2,50,000 as an emergency fund. Now I am considering starting another investment of 5000 rupees per month in the share market as a long-term investment. Do you approve of my savings plan?

Ans: Hi Irish,

Good that you have created emergency reserve.
Please keep investments and insurance separately. Don't invest via insurance policies. For life cover purposes please choose term insurance.
The additional investment which you want to make, if you can hold them for 5-7 years, then choose diversified equity funds.

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Answered on Feb 23, 2023

Question by Nikhil - Feb 19, 2023Translate

Hi i m 42 yrs age n have salary of 35k p m and out of that 5k i save in mutual funds but the currently its negative return Parag parikh flexicap n UTi mid cap and i dont have much saving how to plan my retirement so i get 25 to 30k per month i got

Ans: Hi Nikhil,

Please consider investing in equity funds for a period of 7 years or more. In the short term, equity funds can deliver negative returns or low returns. Regardless of that, stay the course and continue your SIP to build your retirement corpus.

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Answered on Feb 15, 2023

Question by Sadiqulla - Feb 12, 2023Translate

Dear sir I not started any investment till today kindly guide which investment scheme is better for me @ infant level

Ans: 1) Create an emergency reserve of 6 months exp in a liquid fund.
2) Then do Start SIP in diversified equity funds, if you have 7 years + time horizon.

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Answered on Feb 11, 2023

Question by Prasanna - Feb 10, 2023Translate

7:54 PM Good evening Sir. I want to create a corpus of Rs 2 crore for my family in next 10 years. Could you please suggest some good mutual funds that will help me realise my dreams? Thank you.

Ans: Hi, 10 years is a long term. You can invest in diversified equity funds. You can invest via lump sum and SIP. Though it can give you negative returns in the short run, it will give you inflation beating returns in the long run.

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