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Chocko

Chocko Valliappa  |475 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on Mar 27, 2024

Chocko Valliappa is the founder and CEO of Vee Technologies, a global IT services company; HireMee, a talent assessment and talent management start-up; and vice chairman of The Sona Group of education institutions.
A fourth-generation entrepreneur, Valliappa is a member of Confederation of Indian Industry, Nasscom, Entrepreneurs Organization and Young Presidents’ Organization.
He was honoured by the YPO with their Global Social Impact award in 2018.
An alumnus of Christ College, Bangalore, Valliappa holds a degree in textile technology and management from the South India Textile Research Association. His advanced research in the Czech Republic led to the creation of innovative polyester spinning machinery.... more
Asked by Anonymous - Mar 16, 2024Hindi
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Career

I am civil engineering 2015 passout i have experience but the experience which i have one is not related to other work what can do can anyone please help me. I do work as faculty,for 2years, I do work on traffic surveying 1year I do work in construction for 1year as qs surveyor I do work on environment impact assessment 1 year as gis and autocad Now I have career gap of 1 year now I don't want to do please anyone help me to guide me.

Ans: I would rate your diverse and rich experience most valuable only a few possess. This is your best chance to apply your experiences in jobs demanding innovative thinking as well as creative problem solving skills. You can easily pick up job and bounce back again.
Career

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Chocko

Chocko Valliappa  |475 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on May 09, 2024

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Sir i am a civil engineer graduate 2023 i did my graduation in civil engineering from a tire 2 -3 college from mumbai university . I didn’t get any job its not like that i am dum student or else i was not good at studies u definitely found partility that in civil they took all diploma + degree holders with less knowledge also in companies such a worley , godrej , technimont etc mnc companies with salary of 6-7 lpa but sir i was scattered because i lost my dad in covid my mom is working but her salary is just 50k and now after trying out for jobs as fresher i found a job in IIT bombay as project technical assistant which gives me 30k but its in ocean department. Now i want to learn further i am seeing people doing masters from priavte university like nicmar adani symbiosis etc in construction or infrastructure management. I am stuck jn life what to do im trying for government but i know government junior engineers job wont pay me much to buy home for my mom . In such case what will be best please help
Ans: I fully empathize with your situation. Do focus on the positive of having completed BTech in Civil Engineering. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Use your current Tech Asstt job to learn about Oceanography as an added skills. Look at acquiring project management skills and explore opportunities with optimism and passion.

..Read more

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Prof Suvasish Mukhopadhyay  |333 Answers  |Ask -

Career Counsellor - Answered on Jan 30, 2025

Ramalingam

Ramalingam Kalirajan  |7707 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  |7707 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  |7707 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  |7707 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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