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Shekhar

Shekhar Kumar  |154 Answers  |Ask -

Leadership, HR Expert - Answered on Apr 18, 2024

Shekhar Kumar is senior manager, talent acquisition, at the Shri Venkateshwara University in Gajraula, Uttar Pradesh. He has 18 years of expertise in the search and placement of executive leadership talent across various industries.
He has also mentored middle and senior management professionals for leadership positions and guided them in career development.
Shekhar has a bachelor's degree in business management from Magadh University, Bihar, and a master's degree in human resource management from Annamalai University, Tamil Nadu.... more
Asked by Anonymous - Apr 11, 2024Hindi
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My daughter is completing her M. Sc. in Bio informatics in June- July, 2024. There is no campus recruitment and till now there is no sign of any prospect of placement. Where can she apply for a suitable placement?

Ans: Thank you for contacting me. Since campus recruitment opportunities are limited for M.Sc. Bioinformatics graduates, your daughter can explore various avenues to find suitable placement opportunities. Encourage your daughter to create profiles on popular job portals such as LinkedIn, Indeed, and Naukri.com. She can upload her latest resume and search for job openings specifically related to bioinformatics, computational biology, genomics, proteomics, and related fields. Research institutes, government laboratories, and academic institutions often hire bioinformatics professionals for research projects and collaborations. Your daughter can explore opportunities with institutes such as CSIR, ICMR, and others. Additionally, she should prepare for interviews by researching the company, understanding the role, and practicing common interview questions in bioinformatics. With persistence, networking, and proactive job search strategies, she can find suitable placement opportunities in the field of bioinformatics. Best of luck! Feel free to contact me on Rediff Gurus if you need further assistance or help.
Asked on - Apr 20, 2024 | Answered on Apr 21, 2024
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Thank you very much for your kind advice. Further, could you please on Phd options? Or shoulx she pursue MBA if that helps her in building a career in related corporate sector. Regards
Ans: Certainly! Pursuing a Ph.D. or an MBA are both viable options, but they lead to different career paths and opportunities. A Ph.D. in bioinformatics offers in-depth research training and specialization in computational biology, genomics, data analysis, and related areas, preparing individuals for careers in academia, research institutions, biotech companies, pharmaceuticals, and government agencies, whereas an MBA offers business-oriented training and specialization in the management, marketing, and strategic planning aspects of the industry to pursue roles such as product manager, marketing manager, business development manager, project manager, or executive leadership positions. Clarify your daughter's long-term career goals and aspirations. Does she envision herself leading research projects, conducting experiments, and publishing scientific papers (Ph.D.), or does she see herself managing teams, developing business strategies, and driving innovation in the corporate sector (MBA)?

Some of the best institutions include the Indian Institute of Science (IISc), the Centre for DNA Fingerprinting and Diagnostics (CDFD), the National Centre for Biological Sciences (NCBS), the Indian Institute of Chemical Technology (IICT), IIT, IIIT, and the Institute of Bioinformatics and Applied Biotechnology (IBAB).

Ultimately, the decision between pursuing a Ph.D. or an MBA depends on your daughter's individual goals, interests, and career aspirations. Encourage her to carefully weigh the pros and cons of each option to choose a path that aligns with her passions and long-term vision for her career.
Asked on - Apr 21, 2024 | Answered on Apr 22, 2024
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Sir, thanks a lot for your clear guidance. We will deliberate on the issue and try to find a career path ahead. Regards,
Ans: You're very welcome! I'm glad I could help. If you have any more questions or need further assistance in the future, don't hesitate to reach out. Wishing your daughter all the best in finding the right career path in the future. Take care!
Asked on - Apr 23, 2024 | Answered on Apr 23, 2024
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Thanks again. Meanwhile wishing you best of health and happiness. Regards,
Ans: You're very welcome! Thank you for your kind wishes. If you ever have more questions or need assistance in the future, don't hesitate to reach out. Take care and stay well! Regards.
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Ramalingam

Ramalingam Kalirajan  |8128 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 23, 2025

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30000 investment in mutual funds
Ans: Investing Rs. 30,000 every month in mutual funds is a strong financial decision.

A well-structured portfolio ensures steady growth and balanced risk.

Let’s discuss the best way to invest this amount.

Investment Goals and Time Horizon
You have a long-term investment horizon of 15 years.

The goal is to create wealth with a systematic approach.

Market fluctuations will not impact long-term growth if the allocation is right.

Issues to Avoid in Portfolio
1. Over-Diversification
Investing in too many funds reduces effectiveness.

Tracking multiple funds is difficult and time-consuming.

Similar funds may overlap in holdings, limiting returns.

2. High Allocation to Sectoral Funds
Sectoral funds depend on the performance of specific industries.

If a sector underperforms, your portfolio suffers.

A well-diversified approach is better for stability.

3. Investing in Index Funds
Index funds lack active management.

During market corrections, they fall sharply.

Actively managed funds can reduce risks and give better returns.

4. Gold and Silver ETF FoFs
Precious metals are not ideal for long-term wealth creation.

Over time, equity funds outperform gold and silver.

Holding a small amount is fine, but not for wealth generation.

Recommended Fund Categories
1. Flexi-Cap Fund
Adjusts investments across large, mid, and small-cap stocks.

Provides flexibility based on market conditions.

Reduces the risk of underperformance in one category.

2. Mid-Cap Fund
Mid-sized companies have higher growth potential.

Suitable for long-term wealth creation.

Risk is higher than large-cap but rewards are better.

3. Large & Mid-Cap Fund
Invests in both large and mid-sized companies.

Balances stability and growth.

Suitable for investors with a long-term view.

4. ELSS (Tax-Saving) Fund
Helps in tax savings under Section 80C.

Invests in equity markets with a 3-year lock-in period.

One ELSS fund is enough in a portfolio.

5. Balanced Advantage Fund
Adjusts allocation between equity and debt.

Helps in reducing risk during market volatility.

Good for stable and consistent returns.

Suggested Monthly Allocation (Rs. 30,000)
Flexi-Cap Fund – Rs. 10,000

Mid-Cap Fund – Rs. 6,000

Large & Mid-Cap Fund – Rs. 6,000

ELSS Fund – Rs. 4,000

Balanced Advantage Fund – Rs. 4,000

This allocation ensures:

High growth potential from mid-cap and flexi-cap funds.

Stability from large & mid-cap and balanced advantage funds.

Tax savings from ELSS investments.

Benefits of Annual Step-Up
Increasing SIP by 10% every year enhances returns.

Compounding works better when investments grow over time.

Helps in accumulating wealth faster for retirement.

Fund Categories to Avoid
Gold and Silver ETF FoFs → Not useful for long-term growth.

Sectoral Funds → High risk due to industry dependence.

Index Funds → Lack of flexibility and risk management.

Avoiding these funds will improve overall performance.

Final Insights
Reduce unnecessary funds for better portfolio efficiency.

Focus on flexi-cap, mid-cap, and balanced funds.

Avoid sector-specific funds unless you track them actively.

Stop investing in gold, silver, and index funds.

Review portfolio every year and make adjustments if needed.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8128 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 23, 2025

Asked by Anonymous - Mar 23, 2025Hindi
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Hi , I have recently started investing in mutual funds. I have got following funds in my portfolio. I am 36 years old and I want to invest 30,000 per month and can step up 10% every year. I am looking at 15 years horizon for investment. Could you please tell me if my portfolio is diversified and how much should I invest in each fund and which fund should I stop? SBI Technology Opportunities Fund Direct-Growth, Nippon India Consumption Fund Direct-Growth, SBI Long Term Equity Fund Direct Plan-Growth, Quant ELSS Tax Saver Fund Direct-Growth, ICICI Prudential BHARAT 22 FOF Direct - Growth, Quant Infrastructure Fund Direct-Growth, UTI Gold ETF FoF Direct - Growth, ICICI Prudential Silver ETF FoF Direct - Growth, ICICI Prudential Nifty 50 Index Direct Plan-Growth Parag parikh flexi cap fund Motilal oswal midcap fund
Ans: You have taken a great step by investing in mutual funds.

A well-diversified portfolio can help maximize returns and reduce risks.

Let’s analyze your portfolio and suggest improvements.

Strengths of Your Portfolio
You are investing in multiple sectors and themes.

Your portfolio includes equity, sectoral, gold, and silver exposure.

You have tax-saving funds, which help with deductions under Section 80C.

Your investment horizon of 15 years allows long-term wealth creation.

Issues in Your Portfolio
1. Over-Diversification
Too many funds create unnecessary complexity.

Some funds may overlap in holdings, reducing effectiveness.

Managing multiple funds increases effort and tracking.

2. High Allocation to Sectoral & Thematic Funds
Sectoral funds focus on specific industries.

If the sector underperforms, your returns may be affected.

Diversification should not be restricted to selected themes.

3. Exposure to Gold and Silver ETF FoFs
Precious metals are good for stability but not for long-term growth.

Equity funds generally outperform gold and silver over 15 years.

Allocating too much to metals may lower overall portfolio returns.

4. Investing in an Index Fund
Index funds do not actively manage risks.

Market corrections affect index funds more.

Actively managed funds have better growth potential.

Funds to Stop or Reduce
Gold and Silver ETF FoFs → Not ideal for long-term wealth creation.

Technology and Consumption Funds → Sector-specific risk is high.

Bharat 22 FOF → Limited diversification, better alternatives exist.

One ELSS Fund → Keeping two tax-saving funds is unnecessary.

Nifty 50 Index Fund → Actively managed funds are better.

Stopping or reducing these funds will make your portfolio stronger.

Funds to Continue & Increase Allocation
1. Flexi-Cap Fund
Adapts to market changes.

Invests across large, mid, and small-cap stocks.

Provides flexibility and stability.

2. Mid-Cap Fund
Higher growth potential over 15 years.

Mid-cap stocks have strong wealth creation opportunities.

Suitable for long-term aggressive investors.

3. Infrastructure Fund (Limited Allocation)
India's infrastructure sector is growing.

Can provide good returns if held for the long term.

Keep exposure limited to avoid concentration risk.

4. One ELSS Tax-Saving Fund
Helps in tax savings under Section 80C.

Invest in one ELSS instead of two.

Choose the one with a better track record.

Suggested Monthly Investment Split (Rs. 30,000)
Flexi-Cap Fund – Rs. 10,000

Mid-Cap Fund – Rs. 8,000

ELSS Tax-Saving Fund – Rs. 5,000

Infrastructure Fund – Rs. 3,000

Balanced Advantage Fund – Rs. 4,000 (for stability)

This allocation ensures:

Growth from flexi-cap and mid-cap funds.

Tax benefits from ELSS.

Stability from a balanced advantage fund.

Importance of Annual Step-Up
Increasing investments by 10% every year is a great strategy.

Compounding works better with higher contributions over time.

Helps in beating inflation and achieving larger goals.

Final Insights
Reduce the number of funds to improve efficiency.

Avoid sectoral funds unless you track them actively.

Stop investing in gold, silver, and index funds.

Focus more on flexi-cap and mid-cap for long-term wealth.

Keep reviewing performance every year and rebalance if needed.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8128 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 23, 2025

Asked by Anonymous - Mar 23, 2025Hindi
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Money
I'm 35 years old. I can invest 30000 in mutual funds for my retirement at 55. My current montly expense 50000. I'm already investing 5k in nifty 50 index fund and 5k in parag parikh flexi cap fund. Small and midcap not doing good now. In which fund I can invest the remaining 20000.
Ans: You are investing Rs. 30,000 per month for retirement.

Rs. 5,000 is allocated to a Nifty 50 Index Fund.

Rs. 5,000 is in Parag Parikh Flexi Cap Fund.

You want to invest the remaining Rs. 20,000 effectively.

Why Actively Managed Funds Are Better Than Index Funds
Index funds only match market performance, they do not beat it.

During market corrections, index funds fall without protection.

Active funds adjust based on market conditions and opportunities.

A Certified Financial Planner can help pick funds with strong management.

To maximize returns, actively managed funds are a better option.

How to Allocate Your Remaining Rs. 20,000
Since you already have exposure to large-cap and flexi-cap funds, diversification is key.

1. Large & Mid-Cap Fund
Combines stability of large caps with growth of mid-caps.

Helps in wealth creation while reducing risk.

Fund managers adjust based on market trends.

2. Focused Equity Fund
Invests in a limited number of high-quality stocks.

Ensures fund managers concentrate on best opportunities.

Suitable for long-term wealth creation.

3. Thematic or Sectoral Fund (Selective Exposure)
Invests in high-growth sectors like manufacturing or exports.

Good for long-term investors with moderate to high risk appetite.

Requires monitoring, so allocation should be limited.

4. Balanced Advantage Fund (For Risk Management)
Adjusts between equity and debt based on market conditions.

Reduces downside risk while capturing equity growth.

Suitable for long-term stability.

Portfolio Balancing for the Long Term
You should review your portfolio every 6-12 months.

Ensure funds are performing as expected.

Avoid frequent switching; long-term compounding is key.

Keep track of taxation on capital gains while redeeming.

Final Insights
Avoid investing more in index funds as they limit potential returns.

Actively managed funds help maximize long-term growth.

A mix of large & mid-cap, focused, and sectoral funds can improve diversification.

Reviewing performance and rebalancing will keep your portfolio strong.

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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