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Abhishek

Abhishek Shah  |76 Answers  |Ask -

HR Expert - Answered on Sep 28, 2023

Abhishek Shah is an experienced tech and HR leader. He has over 10 years of experience in helping create sustainable thriving businesses, leveraging technology and mentoring people. He founded Testlify, a talent assessment platform in 2022. He is passionate about helping founders build high-performing tech teams. ... more
Arun Question by Arun on Sep 28, 2023Hindi
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best digital marketing course online

Ans: Hello Arun,

When it comes to finding the best digital marketing course online, there are several factors to consider to ensure you make the right choice. Digital marketing is a dynamic and evolving field, so it's essential to choose a course that provides up-to-date and comprehensive content. Here are some key considerations for selecting the best online digital marketing course:

Course Content and Curriculum: Look for courses that cover a wide range of digital marketing topics, including search engine optimization (SEO), social media marketing, content marketing, email marketing, pay-per-click advertising (PPC), analytics, and more. Make sure the course aligns with your specific interests and career goals.

Instructor Expertise: Check the credentials and experience of the course instructors. Ideally, they should have a strong background in digital marketing, with practical experience in the industry. Look for courses taught by experts who are actively involved in the field.

Interactive Learning: Online courses should offer interactive elements such as quizzes, assignments, and hands-on projects to reinforce your learning. Practical application of digital marketing concepts is crucial for skill development.

Certification: Many online courses offer certificates upon completion. Consider courses that provide recognized certifications from reputable organizations or institutions, as these can add value to your resume.

Reviews and Testimonials: Research reviews and testimonials from previous students to gauge the course's quality and effectiveness. Look for honest feedback about the course content, instructors, and support.

Price and Accessibility: Consider your budget and the affordability of the course. While some high-quality courses may be more expensive, there are also many excellent free or low-cost options available. Additionally, ensure that the course is accessible and user-friendly.

Up-to-Date Content: Digital marketing trends and tools change rapidly. Ensure that the course content is regularly updated to reflect the latest industry developments and best practices.

Support and Community: Look for courses that offer support through forums, discussion boards, or direct access to instructors. A strong online community can be valuable for networking and problem-solving.

Flexibility: Consider your schedule and learning style. Some courses offer self-paced learning, while others follow a structured timeline. Choose a format that aligns with your preferences and availability.

Additional Resources: Check if the course provides supplementary resources such as ebooks, templates, or access to relevant tools and software.

To help you get started, here are a few reputable platforms known for offering high-quality digital marketing courses:

Coursera: Offers courses from universities and institutions around the world, including the Digital Marketing Specialization from the University of Illinois.

edX: Provides access to courses from top universities, including the Digital Marketing MicroMasters program from Curtin University.

Udemy: Offers a wide range of digital marketing courses, including options from industry experts.

HubSpot Academy: Provides free courses and certifications in inbound marketing, content marketing, and more.

Google Digital Garage: Offers free courses in various digital marketing topics, including Google Ads and Analytics.

Ultimately, the best digital marketing course for you will depend on your specific goals, budget, and learning preferences. Take the time to research and compare options to find the one that best fits your needs.

Regards,
Abhishek Shah
Career

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Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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I want to invest 2.5lakhs in ICICI Prudential for 1year with systemic withdraw of ?17000/ per month and the rest to grow. I am 75 years of age and gets the above amount on yearly basis. What I have to do?
Ans: Given your age and investment objectives, it's essential to consult with a Mutual Fund Distributor (MFD) who holds the Certified Financial Planner (CFP) credential. They can provide personalized advice tailored to your needs and goals. Here's what you can discuss with them:

Investment Plan: Explain your goal of investing ?2.5 lakhs in ICICI Prudential for one year, with a systematic withdrawal of ?17,000 per month and the rest to grow. Your MFD with CFP credentials can help you understand the suitability of this investment plan based on your risk tolerance, liquidity needs, and financial objectives.
Risk Assessment: As a 75-year-old investor, capital preservation and income generation may be your primary concerns. Your MFD can assess your risk tolerance and recommend suitable investment options within ICICI Prudential that offer a balance between potential returns and risk.
Systematic Withdrawal Plan (SWP): Your MFD can guide you on setting up an SWP with ICICI Prudential, ensuring that you receive ?17,000 per month as income while allowing the remaining amount to continue growing. They can explain the mechanics of SWP, including tax implications and withdrawal frequency.
Portfolio Monitoring: Regular portfolio monitoring is crucial to ensure that your investment remains aligned with your financial goals and risk tolerance. Your MFD can provide ongoing support, review your investment performance, and make adjustments if necessary.
Tax Implications: Your MFD can help you understand the tax implications of your investment, including any taxes on capital gains and income generated through the SWP. They can advise you on tax-efficient strategies to optimize your returns.
By consulting with an MFD who holds the CFP credential, you can make informed investment decisions that meet your financial needs and objectives while ensuring peace of mind in your retirement years.

...Read more

Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Hi Sir ,I am a teacher and Have two children. I am investing in the following for my retirement and child s education. Ppf 6000 Mutual fund in Sbi focused equity 2000 Tata small cap 1500 Quant small cap 2000 Motilal midcap 2000 Kotak emerging equity 2000 Hdfc balanced fund 3000 Hdfc flexi cap 2000 Sbi nifty index fund 2000 Uti momentum 30 index 2000 Please suggest if all the funds are well and it will manage my goals like children studies in 10 to 15 years?
Ans: It's wonderful to see your proactive approach towards securing your retirement and your children's education. Let's review your investment portfolio to ensure it aligns with your goals:

PPF: This is a great choice for long-term savings due to its tax benefits and safety. Keep contributing regularly to maximize its potential.
Mutual Funds: Your selection of mutual funds seems well-diversified across different categories, including large-cap, small-cap, mid-cap, balanced funds, and index funds. However, having too many funds can sometimes lead to overlap and complexity. Consider consolidating your portfolio to a manageable number of funds while ensuring diversification across asset classes.
Child's Education: For your children's education, ensure that you are investing in a mix of equity and debt instruments to balance risk and returns. Also, consider starting a separate SIP specifically for their education expenses to build a dedicated corpus over time.
Retirement: While investing in equity funds can provide higher returns over the long term, ensure you have a balanced approach considering your risk tolerance and investment horizon. Additionally, review your asset allocation periodically and make adjustments as needed to stay on track towards your retirement goals.
Regular Review: It's essential to review your portfolio regularly and make adjustments based on changes in your financial situation, market conditions, and investment goals. Consider consulting with a Certified Financial Planner periodically to ensure your investment strategy remains optimal.
Overall, your investment choices appear well-thought-out, but it's crucial to monitor and fine-tune your portfolio regularly to ensure it continues to meet your financial objectives.

Keep up the excellent work, and continue your disciplined approach towards investing for a secure financial future for you and your family!

...Read more

Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Hi I'm 29 yrs old man with salary of 60k month, I wish to built a house by 2-3yrs from now and create a wealth for my retirement by 40 yrs of age, plz help me through it how should I be able to do that?
Ans: It's fantastic that you're thinking ahead and planning for your future. Building a house and creating wealth for retirement are significant goals, and with careful planning, you can achieve them. Here's some guidance to help you along the way:

Firstly, consider starting by creating a detailed financial plan outlining your current financial situation, your goals, and a roadmap to achieve them. This will help you stay organized and focused on your objectives.

To save up for your house in 2-3 years, you'll need to start setting aside a portion of your monthly income. Calculate how much you'll need for the down payment and closing costs, and then work out how much you need to save each month to reach that goal.

Consider investing your savings in low-risk, liquid instruments like fixed deposits or short-term debt funds to ensure that your money is easily accessible when you're ready to buy your house.

For your retirement goal, starting early is key. Since you're aiming to retire by 40, you'll need to prioritize saving and investing aggressively. Maximize contributions to retirement accounts like the Employee Provident Fund (EPF) or the National Pension System (NPS) to take advantage of tax benefits and long-term growth potential.

Additionally, consider investing in a diversified portfolio of equity mutual funds or stocks to build wealth over the long term. While the stock market can be volatile, historically, it has provided higher returns compared to other asset classes over extended periods.

Regularly review and adjust your financial plan as needed to stay on track towards your goals. Remember, consistency and discipline are crucial when it comes to achieving financial success.

Keep up the great work, and don't hesitate to seek advice from a Certified Financial Planner if you need assistance in fine-tuning your financial strategy.

Best of luck on your journey to homeownership and retirement!

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Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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My Name is Siddhartha & my age is 47year. I have Rs.50 lakh in hand where should I invest to get maximum monthly income for retirement? I am ready to freeze my amount for 5 to 8 year.
Ans: Hello Siddhartha,
It's great that you're planning for your retirement. Considering your age and investment horizon, here are some suggestions on how you could invest your ?50 lakh to generate maximum monthly income for your retirement:
1. Senior Citizen Saving Scheme (SCSS): SCSS is a government-backed savings scheme specifically designed for senior citizens. It offers attractive interest rates and regular quarterly payouts, making it a suitable option for generating monthly income during retirement.
2. Post Office Monthly Income Scheme (POMIS): POMIS is another government-backed savings scheme that provides a fixed monthly income. You can invest a lump sum amount and receive monthly interest payouts, providing a steady source of income.
3. Corporate Fixed Deposits: Consider investing a portion of your funds in corporate fixed deposits offered by reputed companies. These deposits typically offer higher interest rates compared to bank FDs and can provide a regular income stream.
4. Dividend-Paying Mutual Funds: Invest in dividend-paying mutual funds that focus on generating regular income. Opt for funds with a history of consistent dividend payouts and a track record of capital appreciation.
5. Systematic Withdrawal Plan (SWP): Invest a portion of your funds in mutual funds or balanced funds and opt for a Systematic Withdrawal Plan (SWP). SWP allows you to withdraw a fixed amount at regular intervals, providing you with a steady income stream while allowing your investment to grow.
6. Real Estate Investment Trusts (REITs): If you're open to investing in real estate, you could explore Real Estate Investment Trusts (REITs). REITs invest in income-generating real estate properties and distribute rental income to investors in the form of dividends.
Before making any investment decisions, it's essential to assess your risk tolerance, investment objectives, and liquidity requirements. Consider consulting with a Certified Financial Planner who can provide personalized advice based on your financial situation and goals.

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Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Hi..I have a portfolio of SIPs, with below mutual funds. Please advise. Parag Parikh flexi cap - 20000 Mirae Asset Emerging bluechip - 12000 ICICI Prudential Nifty 50 index - 10000 Sbi magnum mid cap - 5000 Motilal Oswal midcap - 3000 Now I want to top up my investment with 40000. All this is for long term goal at least for 15 years for wealth creation. I have covered my basics and have emergency funds for at least 9 months in FD. Please advise. Thanks
Ans: It's great to see that you're actively investing for your long-term wealth creation goals. Here are some suggestions regarding your portfolio and the additional investment you plan to make:
1. Review Existing Portfolio: Firstly, review the performance of your current mutual fund holdings relative to their benchmarks and peer group. Ensure that they are in line with your long-term investment objectives and risk tolerance.
2. Diversification: Your existing portfolio seems to have a mix of flexi-cap, large-cap, mid-cap, and index funds, providing diversification across different market segments. This diversification helps spread risk and optimize returns over the long term.
3. Top-Up Allocation: Considering your goal of wealth creation over a 15-year period, you may consider allocating the additional ?40,000 across your existing funds based on your risk appetite and asset allocation strategy. You could distribute the top-up amount proportionally based on the current allocation of your portfolio.
4. Consider Flexi-Cap Funds: Since you already have exposure to large-cap and mid-cap funds, you may consider allocating a significant portion of the top-up amount to flexi-cap funds like Parag Parikh Flexi Cap. Flexi-cap funds offer the flexibility to invest across market capitalizations based on prevailing market conditions, making them suitable for long-term wealth creation goals.
5. Regular Review: Regularly review your portfolio's performance and make adjustments if necessary to ensure alignment with your financial goals and risk tolerance. Keep an eye on market trends and economic indicators that may influence the performance of your investments.
6. Professional Advice: Consider consulting with a Certified Financial Planner to get personalized advice tailored to your financial situation and goals. They can help you optimize your investment strategy and make informed decisions.
By maintaining a disciplined approach to investing and regularly reviewing your portfolio, you can enhance the likelihood of achieving your long-term wealth creation objectives.

...Read more

Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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I am a mutual fund investor since 2010 by SIP & Lupsum , Now I am holding Funds Quant Small cap , Quant large & Mid cap , Hdfc 30 Foused fund , Aditya Birla psu equity Fund , & Sbi contra Fund all are direct plan Every month sip is 20000 each Fund shall I continue as it is or any changes
Ans: Kudos on your decade-long journey in mutual fund investments! It's impressive to see your commitment to building wealth through disciplined investing.

As a Certified Financial Planner, I understand the importance of periodically reviewing and adjusting your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Here are some considerations regarding your current portfolio:

Diversification: Your portfolio appears to be well-diversified across different fund categories, which is commendable. Diversification helps spread risk and potentially enhance returns over the long term.
Performance Evaluation: Evaluate the performance of each fund in your portfolio relative to its benchmark and peer group. Ensure that the funds are consistently meeting your expectations and delivering satisfactory returns.
Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistent and experienced fund management can significantly influence the performance of mutual fund schemes.
Expense Ratio: Keep an eye on the expense ratio of your funds, as lower expenses can directly impact your returns over time. Direct plans typically have lower expense ratios compared to regular plans, allowing you to maximize your investment returns.
Market Conditions: Stay attuned to prevailing market conditions and economic trends that may impact the performance of your investments. Consider consulting with a Certified Financial Planner for personalized advice based on the current market scenario.
Ultimately, the decision to continue with your existing SIPs or make changes depends on various factors, including your investment objectives, risk tolerance, and market outlook. Regularly reviewing your portfolio and seeking professional guidance can help you make informed investment decisions and stay on track to achieve your financial goals.

Keep up the good work, and remember that consistency and discipline are key to long-term investment success!

...Read more

Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Dear, My father/mother invested huge money in SAHARA, now they are no more & I have lodged many complaints against SAHAHA since last 3 years. He had invested whole money in SAHARA since last 25 years. Please guide us how can I claim that money. SAHARA says that money was lying with SEBI, even I lodged in SEBI. No response till now. .
Ans: I'm sorry to hear about your parents and the situation with Sahara. Here's what you can do to try and claim the money:

Claim Through Sahara Refund Portal:

Check the CRCS-Sahara Refund Portal. This government portal allows eligible depositors to claim refunds for deposits made in specific Sahara schemes.
Eligibility criteria and the claim process are available on the portal. It typically involves registering with your Aadhaar details and uploading scanned documents.
If the claim amount is small (under ?10,000), the process might be faster.
Follow Up on Your Complaints:

Pursue the complaints you filed against Sahara three years ago.
If you haven't received a response from SEBI, file a fresh complaint through their website or by calling their helpline. You can mention the reference number of your previous complaint, if any.
Legal Action:

Consider legal action as a last resort. You can consult a lawyer specializing in financial disputes to understand your options and the feasibility of a lawsuit.

Remember:

Keep copies of all documents related to your parents' investment, complaints, and any communication with Sahara or SEBI.
Be patient as the claim process might take time.
I hope this information helps you move forward with claiming your parents' money.

...Read more

Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Namaskar Vivek Sir, I am Sanjay Kumar and of 46 years old. I am a salaried person and working in private sector with 1.75 lacs salary/month. I have a corpus of 1.5 cr in various instruments like MF, NPS , PPF, Corporate bonds and banks FD I have started my journey in mutual funds for the last 3 years and wanted to continue up to 8/10 years. I am inviting in Bonds approx 600000/year. I wanted to retire in 2030 and desired a pension of 75000/month Sir please suggest me is it possible. My MF details 1. Axis small cap 5800/month 2. ICICI Prudential pure equity retirement 5400/month 3. HDFC retirement pure equity fund 5400/month 4. SBI Contra 5300/month 5. Quant Mid Cap 5000/month 6. Nippon India large cap 5000/month 7. Mahindra Manulife Small cap 5000/month
Ans: Namaste Sanjay Kumar ji,
Firstly, commendations on diligently planning for your retirement and making strides in your investment journey over the past few years. Your dedication to securing your financial future is truly admirable.
Considering your current corpus and ongoing investments, achieving a pension of 75,000 per month by 2030 seems feasible. However, it's crucial to review and possibly optimize your investment strategy to align with your retirement goals effectively.
Here are some suggestions to help you stay on track:
• Diversification: Continue diversifying your portfolio across different asset classes to mitigate risk and enhance potential returns. Explore options beyond mutual funds, such as debt instruments, to maintain a balanced portfolio.
• Review and Rebalance: Regularly review your investment portfolio to ensure it remains aligned with your risk tolerance, investment horizon, and financial goals. Rebalance your portfolio as needed to address any changes in market conditions or personal circumstances.
• Focus on Retirement-oriented Funds: Consider reallocating some of your investments towards retirement-oriented funds specifically designed to generate stable income post-retirement. These funds typically prioritize capital preservation and income generation, which aligns with your goal of securing a monthly pension.
• Professional Guidance: Consult with a Certified Financial Planner (CFP) to fine-tune your retirement plan and optimize your investment strategy. A CFP can provide personalized advice tailored to your unique financial situation and aspirations.
Remember, achieving your retirement goal requires discipline, patience, and periodic reassessment of your financial plan. Stay committed to your investment journey, and you'll be well-positioned to enjoy a financially secure retirement.

...Read more

Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Asked by Anonymous - May 04, 2024Hindi
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I retired in 2017.All the superannuation amount I invested in mutual fund & Now the corpse is 1cr 06 lakh.Now for rest 30 year or till I am alive I want to invest in SWP to get 1.30 lakh per month .How to do? Please suggest
Ans: It's great that you've accumulated a significant corpus through mutual funds. Here's how you can set up a Systematic Withdrawal Plan (SWP) to generate a monthly income of 1.30 lakh:
1. Evaluate Your Corpus: With a corpus of 1 crore 6 lakh, you aim to withdraw 1.30 lakh per month. This translates to an annual withdrawal of approximately 15.6 lakh.
2. SWP Calculation: Determine the frequency of SWP withdrawals. Since you're looking for monthly income, you'll set up a monthly SWP.
3. Withdrawal Amount: To calculate the monthly withdrawal amount, divide the annual withdrawal requirement (15.6 lakh) by 12 (months). This equals approximately 1.30 lakh per month.
4. Risk Tolerance: Assess your risk tolerance and choose funds accordingly. Since your investment horizon is long-term (30 years), you can consider a balanced approach with a mix of equity and debt funds.
5. Fund Selection: Select mutual funds that align with your risk tolerance, investment goals, and time horizon. Opt for funds with a track record of consistent performance and low expense ratios.
6. SWP Setup: Contact your mutual fund provider or financial advisor to set up the SWP. You'll specify the withdrawal frequency (monthly), withdrawal amount (1.30 lakh), and the source funds from which the withdrawals will be made.
7. Review Periodically: Regularly review your investment portfolio and withdrawal strategy to ensure it continues to meet your income needs and financial goals. Adjust the withdrawal amount if necessary based on market performance and changes in your financial situation.
8. Tax Implications: Be aware of the tax implications of SWP withdrawals. Equity funds held for more than one year are subject to long-term capital gains tax, while debt funds may attract tax based on the holding period and type of fund.
By following these steps and staying disciplined in your approach, you can create a reliable income stream to support your retirement lifestyle for the years to come. Consider consulting with a financial advisor to tailor the SWP strategy to your specific needs and circumstances.

...Read more

Ramalingam

Ramalingam Kalirajan  |1685 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Iam 38 years old i need 5cr corpus in 55 years i have started sip of amount 7500 with 15% returns now value 1 lakh.
Ans: It's excellent that you're planning for your financial future by investing in SIPs. Here's a breakdown of your goal and how you can achieve it:

Goal: You aim to accumulate a corpus of 5 crore by the time you turn 55. This is a significant amount and requires disciplined investing over the years.
Current SIP: You've started with a monthly SIP of 7500 with an assumed return rate of 15%. At present, your SIP value is 1 lakh.
Investment Strategy:
Increase SIP Amount: Consider gradually increasing your SIP amount over time. As your income grows or expenses decrease, channel a higher portion towards your investments.
Diversify Portfolio: While it's great to have high-return expectations, it's crucial to diversify your portfolio to manage risk. Consider investing in a mix of equity, debt, and other asset classes.
Regular Review: Regularly review your investment portfolio and adjust your SIP amount or asset allocation as needed. Market conditions and personal circumstances can change, so it's essential to stay flexible.
Long-Term Perspective: Keep in mind that building a 5 crore corpus over the next 17 years requires patience and discipline. Stick to your investment plan even during market fluctuations, and avoid making impulsive decisions.
Professional Guidance: Consider consulting a Certified Financial Planner (CFP) to fine-tune your investment strategy and ensure it aligns with your financial goals and risk tolerance.
Emergency Fund: While focusing on long-term goals, don't forget to maintain an emergency fund to cover unexpected expenses. Aim for at least 6-12 months' worth of living expenses in a liquid and easily accessible account.
By following a systematic investment approach, staying committed to your financial goals, and seeking professional advice when needed, you can work towards building a substantial corpus for your future.

...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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