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Should I Expect CSE or AI/ML with 87.98 Percentile in JEE Mains 2025?

Dr Dipankar

Dr Dipankar Dutta  |1066 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 20, 2025

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Asked by Anonymous - Mar 18, 2025Hindi
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Hi I got 87.98 percentile in JEE Mains 2025 Session 1. Can I get CSE or AI ML in any government college?

Ans: What is your category and home state?
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Ramalingam

Ramalingam Kalirajan  |8160 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 28, 2025

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One crore will you please let me know if there are any investment plans or instruments that will provide a guaranteed 12% to 15% annual return? In addition, I currently have 25 lacs invested in three products that have underperformed over the past four months: the ICICI Pru Nifty Auto Index fund, the Nippon Indian Nifty 50 Value 20 Index fund, and the UTI Nifty 200 Momentum 30 Index fund. Would you kindly encourage me to stick with these index funds? Or would you suggest selling these investments and reinvesting the money in a better mutual fund scheme?
Ans: No investment can guarantee a 12-15% return per annum.

High returns come with high risk.

Fixed-income products offer stability but lower returns.

Equity investments can give high returns, but they are not guaranteed.

If someone promises guaranteed double-digit returns, it's a red flag. Be cautious.

Assessing Your Index Fund Investments
You have invested in three index funds. These funds track specific indices, so they cannot outperform the market.

Disadvantages of Index Funds:
They lack active management. No expert is handling your money actively.

They follow the market blindly. If the market falls, your investment falls too.

They miss strategic opportunities. A fund manager cannot remove weak stocks.

Market timing is crucial. Since they follow indices, they cannot adjust to volatility.

They do not generate alpha. Actively managed funds aim for better returns.

Your investments in ICICI Pru Nifty Auto, Nippon Nifty 50 Value 20, and UTI Nifty 200 Momentum 30 have underperformed. This is because:

Auto stocks may be in a downtrend.

Value funds perform better in different market cycles.

Momentum funds depend on short-term trends.

These funds are passive, meaning they cannot adapt to market changes.

Should You Continue or Exit?
If you want higher returns, move to actively managed funds.

If you are okay with market-average returns, stay in index funds.

Based on your goal of 12-15% return, it is better to exit these index funds and shift to:

Actively managed flexi-cap funds for diversification.

Mid-cap and small-cap funds for higher growth potential.

A mix of sectoral/thematic funds based on strong future prospects.

How to Invest Your Rs. 1 Crore?
Since you expect high returns, you need a strategic mix.

1. Equity Mutual Funds (60-70%)
Invest in actively managed funds through an MFD with CFP credentials.

Diversify across large-cap, mid-cap, and small-cap funds.

SIP + STP strategy will reduce risk and maximize gains.

2. Debt Instruments (20-30%)
Debt funds can stabilize your portfolio.

Consider short-duration debt funds for lower risk.

3. Alternative Investments (10-20%)
Some exposure to gold ETFs or international funds is good.

Avoid real estate since it lacks liquidity.

Final Insights
Avoid index funds if you want high returns.

Exit underperforming index funds and switch to actively managed funds.

Diversify your Rs. 1 crore into equity, debt, and alternative options.

Do not chase guaranteed returns. Instead, focus on risk-adjusted returns.

Choose actively managed funds through an MFD with CFP credentials to get professional guidance.

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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