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Chandu

Chandu Nair  |65 Answers  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Aug 12, 2023

Chandu Nair advises entrepreneurs and enterprises about creating and building their business.
He has direct experience in angel, venture capital and strategic investor funding. Over the last three decades, he has made a name for himself in industry, consultancy, media and information services.
Nair is on the advisory boards of the Chennai-based private equity firm Fulcrum and the social impact fund, Menterra. He's an independent director on the board of India's first retail building products company, Shankara Building Products Limited.
He was the co-founder of Scope e-Knowledge Center, a pioneering knowledge process outsourcing company, as well as the co-founder of a business-to-business e-commerce venture, both of which he successfully exited.... more
ANKUR Question by ANKUR on Aug 12, 2023Hindi
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Career

Dear sir, i have 9 years of experience in FMCG ...and even i have provided exceptional growth to companies like GODREJ, EMAMI , RSPL... Now i want to start my own venture where we can develop mutiple products and want to create a pan india distribution networks.. Sir i really have a expectional plan which i want to present to venture capitalist ..so need your suggestions

Ans: Have you tested this idea with anyone yet? Potential customers, partners, vendors etc. Pl do that first and validate key assumptions. Also, after that, check if close friends and family are willing to back you monetarily. First, do a pilot and implement it. That will enhance your confidence as also those of prospective future funders. At that stage, you will find that your initial plan has undergone changes. Make sure that you're tackling a challenging problem addressing a large market with your solution that is unique and differentiated. At that time, it would be good to revise your deck and get it assessed by experienced mentors/ advisers first before going to any outside investors/ funds.

It's better to have a mentor to guide you.
Career

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Chandu

Chandu Nair  |65 Answers  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Jul 18, 2023

Asked by Anonymous - Jul 17, 2023Hindi
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Career
dear sir, we’ve based our product startup companies( ie Ltd&LLP all certified with DPIIT…) based on innovations and mostly hardcore inventions, some of which are internationally awarded and patented. almost all of our products carry some or other innovations in true sense not just trendy hype… From medical domain, home furnishings fitments to VVIP security or defence and more, we’ve game changing innovations in most products. sir , before we seek VC,Angels investors, we want to build ready POCs for spinning off, domain specific firms since private investors would want a profitable and viable setup for definite ROIs; ie we wish to have either govt/Philanthropic grants based on innovations and potential future ROI… ( We want to concentrate and rather assert our selves, on real value adding products for benefit of all stakeholders , not just making profits… in one line, we wish to act independently without reporting to investors targeting profits than products value creating innovative checklists… atleast before we come out with sellable MVP on shelf market realities. initial seeding has totally exhausted our savings, assets sold and even working capital. we cant just stick to just 1 product due to the whole ecosystem designed around each and hence interdependent just like links in chain. We’ve huge potential even in space domains where we can even help isro drdo to excel further( although we’ve not dared to do POCs due to obviously resources crunch …) Kindly guide us to get ourselves govt/philanthropical grants of order 45L onwards so that we can switch ON the sales marketing and kickstart the giants propeller engines alike huge ships to start the immense potential voyages , with deserving stakeholders onboard. working capital needs of order of 50xL is of prime importance /criticality. thank you for your time. BR, founders Chandra kpchandra49 at gmail NB kindly share your contact emails or ping us directly referencing this page’s online matter
Ans: The Government of India has certain grant schemes for start-ups. Visit https://www.startupindia.gov.in/ to get details. I think there are over 20 funding schemes. Certain State governments too have innovation voucher or other start-up assistance programmes. See what suits your needs.

..Read more

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Ramalingam

Ramalingam Kalirajan  |7720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2025

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Money
Sir , i need financial advise I am from kashmir we are financially poor we are depends on agricultural sector but unfortunately my father dies and i became a alone man in my family. So can you tell me how. I can get out from this to become rich . I àm 18 yrs old student so i became depresed day by day for poor financial condition. And i want to become a rich so i took in 11th commerce stream that can give me a knowledge about business. So who to start from what to what. Who to raise funds to become enterpuner
Ans: You are taking the right step by studying commerce. Learning about business, finance, and entrepreneurship will help you build a strong foundation.

Focus on Education
Study commerce seriously. It will give you business knowledge.

Read books on entrepreneurship and finance. Simple books will help.

Watch free business and finance content online. Learn from successful people.

Improve your English and communication skills. This will help in business.

Develop problem-solving and decision-making skills. Entrepreneurs need these.

Identify Your Strengths
What are you good at? Find your strengths and improve them.

Are you interested in farming, business, or something else? Choose your path.

If you have skills like writing, designing, or coding, use them to earn money.

Start Small
You don’t need a big investment to start. Find low-cost business ideas.

Agriculture-based small businesses can work in Kashmir.

Consider online businesses. Dropshipping, freelancing, or digital marketing can help.

Sell handmade products, dry fruits, or traditional items online.

Start a YouTube channel or blog on a topic you love.

Teach students or provide tuition. Many students need guidance.

Raising Funds
Save a little from whatever income you get. Start small but be consistent.

Look for government schemes for young entrepreneurs. Many offer financial help.

Apply for business loans or grants from banks when you are ready.

Find local investors who may believe in your idea.

Work part-time or freelance to build savings.

Building a Mindset
Never lose hope. Struggles make you stronger.

Learn from failures. They are lessons, not losses.

Have patience. Success takes time.

Be disciplined with money. Avoid wasteful spending.

Stay around positive and hardworking people.

If you start learning and acting today, you will see changes in a few years. Keep going.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2025

Listen
Sir , i need financial advise I am from kashmir we are financially poor we are depends on agricultural sector but unfortunately my father dies and i became a alone man in my family. So can you tell me how. I can get out from this to become rich . I àm 18 yrs old student so i became depresed day by day for poor financial condition. And i want to become a rich so i took in 11th commerce stream that can give me a knowledge about business. So who to start from what to what. Who to raise funds to become enterpuner
Ans: You are taking the right step by studying commerce. Learning about business, finance, and entrepreneurship will help you build a strong foundation.

Focus on Education
Study commerce seriously. It will give you business knowledge.

Read books on entrepreneurship and finance. Simple books will help.

Watch free business and finance content online. Learn from successful people.

Improve your English and communication skills. This will help in business.

Develop problem-solving and decision-making skills. Entrepreneurs need these.

Identify Your Strengths
What are you good at? Find your strengths and improve them.

Are you interested in farming, business, or something else? Choose your path.

If you have skills like writing, designing, or coding, use them to earn money.

Start Small
You don’t need a big investment to start. Find low-cost business ideas.

Agriculture-based small businesses can work in Kashmir.

Consider online businesses. Dropshipping, freelancing, or digital marketing can help.

Sell handmade products, dry fruits, or traditional items online.

Start a YouTube channel or blog on a topic you love.

Teach students or provide tuition. Many students need guidance.

Raising Funds
Save a little from whatever income you get. Start small but be consistent.

Look for government schemes for young entrepreneurs. Many offer financial help.

Apply for business loans or grants from banks when you are ready.

Find local investors who may believe in your idea.

Work part-time or freelance to build savings.

Building a Mindset
Never lose hope. Struggles make you stronger.

Learn from failures. They are lessons, not losses.

Have patience. Success takes time.

Be disciplined with money. Avoid wasteful spending.

Stay around positive and hardworking people.

If you start learning and acting today, you will see changes in a few years. Keep going.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2025

Asked by Anonymous - Jan 30, 2025Hindi
Which are the best mutual funds in India as of January 2025 for long term wealth generation of 1 crore and above with SIP 30000/month for 10 years. Expenses Child Education, Marriage, New Home.
Ans: You are making a great decision to invest Rs. 30,000 per month. This disciplined approach helps build significant wealth.

Your goals include child’s education, marriage, and a new home. Each goal requires a well-structured investment strategy.

You want to accumulate Rs. 1 crore or more in 10 years. Achieving this requires a balance of growth and stability.

Mutual funds are an excellent choice for long-term wealth creation. Choosing the right categories enhances returns.

Selecting the Right Mutual Fund Categories
Flexi Cap Funds
These funds invest across large, mid, and small-cap stocks. They adjust based on market opportunities.

They provide stability while capturing growth potential. A strong fund manager ensures effective allocation.

This category suits long-term wealth creation. It balances risk and returns efficiently.

Large & Mid Cap Funds
They invest in large and mid-sized companies. This provides a mix of stability and high growth.

Mid-cap exposure enhances returns over long periods. Large caps add stability during market corrections.

Ideal for goals like home purchase and child’s education. They provide strong long-term growth.

Mid Cap Funds
These funds focus on mid-sized companies with strong growth potential. They outperform large caps over long periods.

Higher volatility requires patience. Staying invested ensures significant wealth accumulation.

Best suited for long-term goals beyond 7-10 years. They add high-growth potential to the portfolio.

Balanced Advantage Funds
These funds dynamically shift between equity and debt. This reduces risk while capturing market upside.

They provide stability during market downturns. This ensures smoother investment growth.

Ideal for goals with moderate risk appetite. Suitable for child’s education and home purchase.

International Funds
Adding international exposure improves diversification. It reduces dependence on the Indian economy.

Investing in global giants enhances portfolio quality. These funds offer exposure to sectors not available in India.

A small allocation provides a balanced portfolio. Helps in hedging against local market fluctuations.

Avoiding Index Funds and Direct Funds
Index funds only follow the market. They do not generate extra returns through active management.

Actively managed funds have experienced fund managers. They help beat market returns over the long term.

Direct funds require personal management. Investing through an MFD with a CFP ensures expert guidance.

Regular plans provide better long-term outcomes. This avoids costly mistakes in fund selection.

Asset Allocation for Your Goals
Allocate across different fund categories. This balances growth, risk, and stability.

Equity exposure should be dominant. This ensures high returns over 10 years.

Debt allocation should be minimal at this stage. It can increase closer to goal timelines.

A systematic investment approach ensures disciplined wealth creation. This reduces market timing risks.

Investment Strategy for Rs. 30,000 SIP
Flexi Cap Fund – Rs. 7,500 per month

Large & Mid Cap Fund – Rs. 6,000 per month

Mid Cap Fund – Rs. 5,500 per month

Balanced Advantage Fund – Rs. 5,000 per month

International Fund – Rs. 3,000 per month

Sectoral/Thematic Fund (Optional) – Rs. 3,000 per month

Managing Risk and Returns
Long-term investing reduces volatility risks. Staying invested for 10 years ensures compounding benefits.

Periodic review helps in adjusting allocations. A CFP can guide portfolio rebalancing based on market conditions.

Diversification enhances stability. Multiple categories reduce concentration risk.

Avoid frequent changes. Switching funds often affects returns negatively.

SIP and STP for Additional Investments
If you have lump sum funds, invest via STP. This reduces market timing risks.

A systematic transfer plan moves money gradually. This captures market movements effectively.

A mix of SIP and STP ensures better entry points. This enhances long-term returns.

Tax Efficiency and Withdrawal Planning
Long-term capital gains tax applies after one year. Keeping funds for 10 years optimises tax efficiency.

Systematic withdrawal planning is important. Structured withdrawals minimise tax outgo.

Tax-saving funds can be considered for additional benefits. These provide deductions under Section 80C.

Final Insights
A well-planned SIP strategy helps achieve Rs. 1 crore and beyond.

A mix of flexi cap, mid cap, and balanced funds creates stability.

Avoiding index and direct funds improves returns. Expert guidance ensures better fund selection.

Periodic reviews and disciplined investing are key. Staying invested ensures wealth creation.

Diversification across asset classes adds protection. International exposure provides additional benefits.

Your goals are achievable with proper planning. A structured approach ensures financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2025

Asked by Anonymous - Jan 30, 2025Hindi
Money
Which are the best mutual funds in India as of January 2025 for long term wealth generation of 1 crore and above with SIP 30000/month for 10 years. Expenses Child Education, Marriage, New Home.
Ans: You are making a great decision to invest Rs. 30,000 per month. This disciplined approach helps build significant wealth.

Your goals include child’s education, marriage, and a new home. Each goal requires a well-structured investment strategy.

You want to accumulate Rs. 1 crore or more in 10 years. Achieving this requires a balance of growth and stability.

Mutual funds are an excellent choice for long-term wealth creation. Choosing the right categories enhances returns.

Selecting the Right Mutual Fund Categories
Flexi Cap Funds
These funds invest across large, mid, and small-cap stocks. They adjust based on market opportunities.

They provide stability while capturing growth potential. A strong fund manager ensures effective allocation.

This category suits long-term wealth creation. It balances risk and returns efficiently.

Large & Mid Cap Funds
They invest in large and mid-sized companies. This provides a mix of stability and high growth.

Mid-cap exposure enhances returns over long periods. Large caps add stability during market corrections.

Ideal for goals like home purchase and child’s education. They provide strong long-term growth.

Mid Cap Funds
These funds focus on mid-sized companies with strong growth potential. They outperform large caps over long periods.

Higher volatility requires patience. Staying invested ensures significant wealth accumulation.

Best suited for long-term goals beyond 7-10 years. They add high-growth potential to the portfolio.

Balanced Advantage Funds
These funds dynamically shift between equity and debt. This reduces risk while capturing market upside.

They provide stability during market downturns. This ensures smoother investment growth.

Ideal for goals with moderate risk appetite. Suitable for child’s education and home purchase.

International Funds
Adding international exposure improves diversification. It reduces dependence on the Indian economy.

Investing in global giants enhances portfolio quality. These funds offer exposure to sectors not available in India.

A small allocation provides a balanced portfolio. Helps in hedging against local market fluctuations.

Avoiding Index Funds and Direct Funds
Index funds only follow the market. They do not generate extra returns through active management.

Actively managed funds have experienced fund managers. They help beat market returns over the long term.

Direct funds require personal management. Investing through an MFD with a CFP ensures expert guidance.

Regular plans provide better long-term outcomes. This avoids costly mistakes in fund selection.

Asset Allocation for Your Goals
Allocate across different fund categories. This balances growth, risk, and stability.

Equity exposure should be dominant. This ensures high returns over 10 years.

Debt allocation should be minimal at this stage. It can increase closer to goal timelines.

A systematic investment approach ensures disciplined wealth creation. This reduces market timing risks.

Investment Strategy for Rs. 30,000 SIP
Flexi Cap Fund – Rs. 7,500 per month

Large & Mid Cap Fund – Rs. 6,000 per month

Mid Cap Fund – Rs. 5,500 per month

Balanced Advantage Fund – Rs. 5,000 per month

International Fund – Rs. 3,000 per month

Sectoral/Thematic Fund (Optional) – Rs. 3,000 per month

Managing Risk and Returns
Long-term investing reduces volatility risks. Staying invested for 10 years ensures compounding benefits.

Periodic review helps in adjusting allocations. A CFP can guide portfolio rebalancing based on market conditions.

Diversification enhances stability. Multiple categories reduce concentration risk.

Avoid frequent changes. Switching funds often affects returns negatively.

SIP and STP for Additional Investments
If you have lump sum funds, invest via STP. This reduces market timing risks.

A systematic transfer plan moves money gradually. This captures market movements effectively.

A mix of SIP and STP ensures better entry points. This enhances long-term returns.

Tax Efficiency and Withdrawal Planning
Long-term capital gains tax applies after one year. Keeping funds for 10 years optimises tax efficiency.

Systematic withdrawal planning is important. Structured withdrawals minimise tax outgo.

Tax-saving funds can be considered for additional benefits. These provide deductions under Section 80C.

Final Insights
A well-planned SIP strategy helps achieve Rs. 1 crore and beyond.

A mix of flexi cap, mid cap, and balanced funds creates stability.

Avoiding index and direct funds improves returns. Expert guidance ensures better fund selection.

Periodic reviews and disciplined investing are key. Staying invested ensures wealth creation.

Diversification across asset classes adds protection. International exposure provides additional benefits.

Your goals are achievable with proper planning. A structured approach ensures financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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.

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