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Amit Grover  | Answer  |Ask -

Answered on Feb 08, 2012

rahul Question by rahul on Feb 08, 2012Hindi

entrepreneur before 25 or after 25?

Ans: rahul - it is like love, you or me cant decide the age when it will happen!

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Ramalingam Kalirajan  |5013 Answers  |Ask -

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

Asked by Anonymous - Apr 18, 2024Hindi
I am 23 years old now earning 25k how and in which should i start investing as a beginner ?
Ans: It's fantastic that you're thinking about investing at such a young age. Here's a beginner-friendly guide to get you started:

Emergency Fund: Before you begin investing, ensure you have an emergency fund in place to cover unexpected expenses. Aim to save at least 3 to 6 months' worth of living expenses in a high-yield savings account.
Start Small: Since you're just starting, it's okay to begin with small amounts. Consider setting aside a portion of your income, such as 10-20%, for investing each month.
Understand Your Goals: Determine your financial goals, whether it's saving for a house, retirement, or travel. Your goals will help you decide where to invest and how much risk you can take.
Explore Investment Options: As a beginner, you can start with low-cost investment options like mutual funds or exchange-traded funds (ETFs). These allow you to invest in a diversified portfolio without needing a large amount of money.
Consider SIPs: Systematic Investment Plans (SIPs) are a popular way to invest in mutual funds regularly. You can start with SIPs that match your risk tolerance and investment goals.
Educate Yourself: Take the time to learn about different investment options, risk management, and personal finance concepts. There are plenty of resources available online, including books, articles, and courses.
Seek Professional Advice: If you're unsure about where to start, consider consulting with a Certified Financial Planner. They can help you create a personalized investment plan based on your financial situation and goals.
Remember, investing is a long-term journey, and it's essential to stay patient and disciplined. Start early, stay consistent, and you'll be on your way to building wealth for the future. Good luck!

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Latest Questions

Ramalingam Kalirajan  |5013 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Sir i want invest Rs 6 lacs in these funds HDFC Div yield fund SBI contra Motilal midcap HDFC LArge and mid cap. Pl advise
Ans: Investment Overview
Investing Rs. 6 lakhs in a diversified portfolio is a great decision. You mentioned a few funds you are considering. Let's discuss each type.

Dividend Yield Funds
Dividend yield funds focus on companies that pay high dividends. They offer regular income and capital appreciation. These funds are less volatile than growth-oriented funds.


Regular income from dividends.

Potential for capital appreciation.


Limited growth potential compared to growth funds.

Dividend payments are not guaranteed.

Contra Funds
Contra funds invest in undervalued stocks that are out of favour. They have the potential for high returns.


Potential for high returns from undervalued stocks.

Diversification in the portfolio.


Higher risk due to investment in out-of-favour stocks.

Requires patience as it might take time to realize gains.

Midcap Funds
Midcap funds invest in medium-sized companies. They have a balance of risk and return.


Good growth potential.

Diversification between large and small-cap stocks.


Higher risk compared to large-cap funds.

Volatility can be higher.

Large and Midcap Funds
These funds invest in both large and mid-sized companies. They offer a balanced approach.


Balanced risk and return profile.

Diversification in the portfolio.


Moderate returns compared to purely large-cap or midcap funds.

May not outperform in either large-cap or midcap segments.

Evaluating Your Choices
Considering your choice of funds, a diversified portfolio is being created. Here's a breakdown of what you might expect:

Dividend Yield Fund: Provides regular income and stability.

Contra Fund: Adds potential high returns and diversification.

Midcap Fund: Offers growth potential.

Large and Midcap Fund: Balances risk and return.

Assess Your Risk Tolerance:

Understand your risk tolerance.

Ensure your portfolio matches your comfort with risk.

Diversify Your Portfolio:

Diversify across different types of funds.

Avoid over-concentration in one type.

Regular Monitoring:

Review your portfolio regularly.

Adjust as per market conditions.

Seek Professional Advice:

Consult a Certified Financial Planner for personalized advice.

Ensure your investments align with your financial goals.

Final Insights
Investing Rs. 6 lakhs in a diversified mix of funds can be rewarding. Your choice covers different segments of the market. This diversification can help manage risk and optimize returns. Regular monitoring and professional guidance will further enhance your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Ramalingam Kalirajan  |5013 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jun 29, 2024Hindi
I am 61yrs old i want to invest in mutualfund for a short time suggest me the best fund through which i can invest.
Ans: At 61 years old, your investment goals might include safety and liquidity. It’s vital to choose options that preserve your capital and offer reasonable returns. Short-term investments require a careful approach to avoid market volatility.

Evaluating Investment Timeframe
For short-term investments, consider the timeframe:

Less than 1 year: Choose highly liquid options.
1 to 3 years: Opt for moderate-risk funds.
Over 3 years: Consider funds with balanced risk.
Advantages of Actively Managed Funds
Actively managed funds can offer better returns compared to index funds. These funds:

Are managed by professional fund managers.
Can outperform the market with strategic decisions.
Provide flexibility in changing market conditions.
Disadvantages of Index Funds
Index funds track a specific market index, but they:

Lack active management, leading to average returns.
May not adapt to market changes quickly.
Offer less flexibility in volatile markets.
Choosing Regular Funds Through MFDs
Investing in regular funds through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential provides:

Professional guidance.
Regular portfolio reviews.
Tailored investment strategies.
Short-Term Investment Options
Consider these options for short-term mutual funds:

Liquid Funds: Ideal for investments up to 6 months. They invest in high-quality, short-term securities.

Ultra-Short Duration Funds: Suitable for 6 months to 1 year. They offer slightly higher returns than liquid funds.

Short Duration Funds: For 1 to 3 years, these funds invest in debt instruments with short maturities.

Benefits of Investing Through a CFP
A Certified Financial Planner can:

Assess your risk tolerance.
Help in selecting suitable funds.
Offer a comprehensive financial plan.
Provide regular performance reviews.
Mitigating Risks
Short-term investments carry minimal risk, but still consider:

Credit Risk: Ensure the fund invests in high-rated securities.

Interest Rate Risk: Choose funds with shorter durations to minimize impact.

Spread your investment across multiple funds to:

Reduce risk.
Enhance returns.
Achieve better stability.
Tax Efficiency
Short-term mutual funds are taxed based on your income slab. Long-term capital gains (if held over 3 years) are taxed at 20% with indexation benefits.

Monitoring Your Investments
Regularly review your portfolio. Make adjustments as needed. Your CFP will provide insights on market trends and fund performance.

Final Insights
Short-term mutual fund investments can be a safe and effective way to grow your wealth. Focus on liquidity, safety, and moderate returns. Choose actively managed funds and leverage the expertise of a Certified Financial Planner for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...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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