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Dr Dipankar

Dr Dipankar Dutta  |1177 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 15, 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 15, 2025Hindi
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Career

Greetings to Gurus, I am student from Kolkata,West Bengal. I have completed my ISC in year 2020 from Commerce stream without maths. I am from Lower Middle Class Family, finance is big issue for me. After ISC I enrolled in B.COM(Hons) course from a college under Calcutta University. I was ambitious of being Chef from childhood. But during Covid times and finance problem, I haven't pursued. During my college life, My first three semesters completed online in Covid period, after the lockdown period, my fourth semester got offline and I just passed in one paper out of 4 and then my 5th semester exam got cleared after that I appeared for rest 3 papers of sem 4 and cleared 2 papers and in sixth semester cleared 3 paper out of 4. Again in 2024, I appeared for 6th sem 1 backlog paper and cleared it but don't able to clear 4th sem one backlog paper. So, I have started my UG in year 2020 but not able to clear it till 2024 because of 1 paper(Taxation) and I have last option to reappear in 2025 examination. I want to earn good in my life, suggest me some opportunities and a way to get out from this loop. Mentally getting depress also.

Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.
Asked on - Mar 15, 2025 | Answered on Mar 15, 2025
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Thanks for the guidance,will surely stick on the same.
Ans: Welcome
Career

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Pradeep

Pradeep Pramanik  | Answer  |Ask -

Career And Placement Consultant - Answered on Aug 03, 2024

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I have completed my civil engg from reputed govt college in 2016 and after that I went for gate coaching i got 35 marks in gate 2017. (I know this is not my best I can do better). After that I started preparing for technical govt exams. After one year some of my prelims were missing by .25 marks 2 marks that time I gave up. And started doing site internship to start my own civil engg consultancy firm. But I got one opportunity to do job as lecturer in polytechnic college so I started doing job at polytechnic college. After 6 months again I started doing studies and cleared mains of state 2019 PSCs Assistant engg. And missed rrb je post by 2 marks in mains. After that exam corona came and I couldn't keep myself on the track and one year again wasted. In 2021 March I have started preparing for prelims and cleared prelims and for mains exam I joined one online class named super 40 and already half syllabus was over at time.of joining so I started watching lectures and as lectures were lengthy and so much lectures were there so I couldn't do revision properly and I lost my self confidence due to that coaching and it was totally waste of money. Again that time it was time everyone was saying do software classes to get job and many of mine friends done those classes so I also joined one to get job and successfully wasted another 6 months. I don't know what to do now. I still feel that If I can study for another 5/6 months I can clear rrb je. In between I got offer of 25k per month as site engineer I denyed that. It's been 8 years since my degree and still. unemployed. Please help me out.
Ans: Dear Friend , When You are not focussed or keep on changing your plans , it is bound to happen. In these precious 8yrs you could have made your career in Civil Engg. However you wanted to start your consultancy or then wanted to try your hand in Govt Jobs or some times you tried your hand in teaching but quit the job. If you delay in taking a firm decision , even getting a job in your core field will be difficult. So get into a stable job and build you career.

..Read more

Nayagam P

Nayagam P P  |4466 Answers  |Ask -

Career Counsellor - Answered on May 31, 2024

Asked by Anonymous - May 16, 2024Hindi
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Career
Sir ,I have been preparing for government exams since 2018 June firstly I prepare for gate in 2019 with college semester in 2019 gate result I.e, 2019 March I qualify with 46 marks that's somehow good score that time for me because I prepare with self study due to over confidence and lack of family income I didn't join coaching and started preparing for UPSC engineering services with full dedication at the age of 20.5 in 2019 eligible for ese 2020 with 21 yr age somehow I got 150 around marks and didn't qualify prelims that time cut off around 240 due to railway has taken his seats so UR cut off increase by 60 which is 188 last in 2019 ese so I got in depression that I prepare with full dedication and even I have a gap of 100 marks in prelims so somehow I came to home in june 2020 after a huge gap of depression in 4,5 months in delhi and started for gate and ese again same condition I couldn't even qualify prelims and got covid in 2021 and from that 2021 I joined UNACADEMY work 1.5 yrs and again I started preparation due to less salary now I have a gap of 5 years no masters degree no industrial skillls and family income less than 20k per month what should I do go and search for civil engineering related job or build a confidence and again prepare one more attempt
Ans: I have gone through the details of your Efforts, Failures, Depression & Your family’s Economic condition.

Based on the above factors, here are the suggestions for you:

1) Till your age bars, try to attempt other comparatively easier (than UPSC) Competitive Exams for Government Jobs & prepare daily for 2-3 hours before & after you come back from work.

2) But AVOID attempting those Competitive Exams which you have already done a number of times and failed. Lack of change in preparation strategies / change in Govt. Policy are the reasons for your subsequent failures.

3) Keeping in view your family’s economic condition & your AGE now, it is suggested to DEFINITELY go for any work, related to your domain, to support your family.

4) Try to upgrade your skills by joining short-term courses with any Institute, related to your domain (or) any other domain you are passionate over. However, make sure that the Institute you join provides JOB GUARANTEE after you complete the Course. Or you can join any ONLINE Courses which are much in demand in job-market.

5) If time does not permit for you to prepare for Competitive Exams & if you feel you are highly demotivated for Govt. Exams, it is advisable for you to fully FOCUS on your Career, related to Civil Engineering & gain good experience.

Hope I have clarified your doubts.

If you need any other clarifications or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU for more useful information on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

..Read more

Radheshyam

Radheshyam Zanwar  |1579 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 26, 2024

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Career
Sir I wrote neet exam and did not score well by doing partial drop in btech biotechnology and when I was in 2nd sem I got detained due to lack of attendance and after neet 2024 my life turned into traumatic situation by sitting at home and my parents are worrying about me . When I was starting my inter pandemic was there and studies got disturbed and my father have taken admission in inter college which was 30km from our house , so he thought there will be no offline classes and at middle of my 2nd year college started to take offline classes, by doing up and down I used to get tired and I didn’t care my health and got health issues after that my life got worse because my father had undergone eye cataract surgeries due to diabetes and that situation made in me to become doctor after giving even 3 attempts I am not expecting mbbs seat, and even I consulted doctor he gave me sleeping pills to get sleep and this neet 2024 exam is most traumatic experience in my life and looking for settle down fast and earn money to stabilise our financial situation, please give me advice
Ans: Hi Sashwantha.
Many problems are interrelated to each other.
Anyhow, you failed to crack NEET irrespective of any reason(s).
Sad to hear about the father's health issue. But related to health, nobody can help.
You have then been admitted to inter-college which is far away from your home i.e. 30 KM.
Up-down daily was a little bit difficult job.
Why your doctor has given sleeping pills to you, am unable to understand by me.
Now, think more practical way.
To settle down or to earn money, you must join some job-oriented certificate courses that will help you start earning.
Keep your mind calm and quiet to handle the worst situation that you are facing.
Take a proper/wise consultation from your family member/friend which you trust more.

If you are not satisfied with the reply, pl ask again without any hesitation.
If satisfied, please like and follow me.
Thanks

Radheshyam

..Read more

Latest Questions
Milind

Milind Vadjikar  |1199 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 29, 2025

Money
I am 41 years old male working in a private firm and investing from 2017 in MFs and accumulated around 20 lakhs. My target is to achieve 3 crores in 15 years ( from 2025 ) . My portfolio is given below , Apart from MF investing NPS & PPF and some times in Direct equity. Question : 1) Is my fund selection ok , With this current Portfolio along with 10 % Stepup can i achieve my goal. 2) Is SBI blue chip & HSBC small cap funds ok or do I switch to other funds ? 3) Want to invest 5000 more, in which fund should I allocate ? 4) Shall I stop PPF and that money I divert to a mutual fund? 5) Some other funds are also there in my portfolio which I stopped SIP but did not withdraw the amount. What is the best strategy in this case? Mutual Funds S/no Fund name Amount (RS) /month 1 SBI Blue Chip fund 5000 2 Parag Parikh Flexi Cap fund 10000 3 Kotak Multicap Fund 5000 4 Motilal Oswal Mid Cap fund 10000 5 HDFC Mid Cap opportunities 5000 7 HSBC Small Cap fund 5000 8 Nippon India Small Cap fund 5000 Total 45000 S/no NPS Amount (RS) /month 1 Tier -1 7000 2 Tier -2 3000 PPF Amount (RS) / year 1 ICICI PPF 60000
Ans: Hello;

Please find pointwise reply to your queries:

1. You already have allocation to small and mid caps through Flexi cap and multicap funds. Despite that you may have additional allocation to One dedicated mid and small cap fund but not two!

The monthly sip's into second small cap and midcap fund may instead be moved to an aggressive hybrid type mutual fund and multi asset allocation type mutual fund.

You may achieve your target with the proposed step up(10%) planned even considering 10% modest returns from MF investments.

2. Funds are okay however you need to review risk-adjusted performance every year with reference to the benchmark and category average and then decide suitably.

3. You may invest additional 5 K in gold mutual fund.

4. Keep contributing to PPF. It's a social security scheme and goes towards sovereign debt in your overall asset allocation.

5. Review past MF holding in line with your overall asset allocation, portfolio overlap, risk adjusted performance and decide as appropriate.

You may select and avoid funds from suggested categories based on risk adjusted performance criteria.

This being a neutral forum we are prohibited to recommend xyz fund.

Happy Investing;

...Read more

Ramalingam

Ramalingam Kalirajan  |8314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Money
Hi Madam, I purchased 200gm of RBI Sovereign gold bond in August 2020. Should i go for early redemption or wait for 8 years .Regards Puneet Dave
Ans: You have invested in RBI Sovereign Gold Bonds (SGBs) in August 2020. You hold 200 grams, which is a sizeable investment. You are now considering whether to redeem early or hold till maturity. Let’s assess from all angles.

 
 
Understanding Your SGB Investment

 
 

You bought it in August 2020. The 8-year maturity will be in August 2028.

 
 

So, 3.5+ years are over. Around 4.5 years are still left.

 
 

You earn 2.5% annual interest on the issue price. That is paid half-yearly.

 
 

At maturity, you get full market value of gold (as per RBI price on maturity date).

 
 

Gains at maturity are fully tax-free if held till 8 years. This is the biggest advantage.

 
 
Early Redemption – What You Should Know

 
 

RBI allows early exit only after 5 years, and that too only on interest payout dates.

 
 

If you redeem before 8 years, capital gains are taxable.

 
 

Gains will be taxed at 20% after indexation if held more than 3 years.

 
 

That reduces the post-tax returns. You lose the full tax-free benefit.

 
 

Also, if you sell in the secondary market, prices may be lower than actual value.

 
 
Why It’s Better to Hold Till Maturity

 
 

The biggest reason to hold is zero tax on capital gains after 8 years.

 
 

You also continue to earn 2.5% annual interest, which is over and above gold price return.

 
 

The longer you stay, the more you benefit from compounding on gold price growth.

 
 

Your total return = Gold appreciation + 2.5% interest + Zero tax. This is unmatched.

 
 

Selling now will only give you part of this benefit. You will lose long-term compounding.

 
 
When Early Exit Can Be Considered

 
 

If you are in urgent need of money, then only consider early redemption.

 
 

If you are switching to another asset for a defined financial goal, then it's acceptable.

 
 

But even then, use the RBI redemption window (after 5 years), not the market.

 
 

Don’t sell SGBs on stock exchange. It gives lower price and liquidity is poor.

 
 
Suggested Action Plan for You

 
 

You have waited for 3.5 years. Just wait for the remaining 4.5 years.

 
 

You will get full value with 0% tax, which no other gold investment gives.

 
 

Keep the 2.5% interest going to your bank account. Use it or reinvest it.

 
 

Review again after August 2025 (5 years). But likely, maturity will be best option.

 
 

Holding till August 2028 will give you the maximum financial benefit.

 
 
Final Insights

 
 

Your SGB investment is in the right direction. It gives safe, tax-efficient, and stable returns.

 
 

Holding it till maturity is almost always the best choice unless there is urgent need.

 
 

Don’t be influenced by short-term gold price movements. Let it grow tax-free.

 
 

You have made a smart decision in 2020. Just give it the full 8 years to reward you.

 
 

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 29, 2025
Money
I am 43 years old and an aggressive investor and I started investing 1 lac per month in SIP in 2019. These are my current funds of 20k each per month : 1. CANARA ROBECO EMERGING EQUITIES 2. HDFC MID-CAP OPPORTUNITIES FUND 3. SBI FLEXICAP FUND 4. ICICI PRUDENTIAL BLUECHIP FUND 5. NIPPON INDIA SMALL CAP FUND In 2024, i started to invest another 1.8 lacs per month split in the following funds : 6. Quant Small Cap Fund 7. Motilal Oswal Midcap Fund 8. Canara Robeco Infrastructure 9. Quant Large and Mid Cap Fund 10. Bandhan Small cap Fund 11. Quant Commodities Fund 12. LIC MF Manufacturing Fund 13. Quant Dynamic Asset Allocation Fund 14. INVESCO INDIA LARGE AND MID CAP FUND 15. SBI Automotive Opportunities Fund 16. Motilal Oswal Large and Midcap Fund Could you share your views on my overall portfolio please, and if I should change any of them ? I am a long term investor and not in any hurry to sell. Thanks
Ans: You have shown strong commitment. Investing Rs. 1 lakh monthly since 2019 is highly disciplined. Adding Rs. 1.8 lakh more monthly in 2024 further shows your aggressive mindset and future planning.

Let me assess your portfolio thoroughly, from all angles. I will explain every layer of your mutual fund selection and offer insights for improvements. Your portfolio has both strengths and gaps. Let’s examine it part by part.

 
 
Your Risk Profile and Time Horizon

 
 

You are 43. Retirement may still be 15+ years away. Time is on your side.

 
 

You have clearly defined yourself as an aggressive investor. That’s good.

 
 

You are not looking for short-term exits. That’s ideal for equity investments.

 
 

You are mentally strong for market ups and downs. Patience is your strength.

 
 
Your Monthly Commitment and Fund Spread

 
 

You invest Rs. 2.8 lakh per month. That’s a huge amount. Very few do this.

 
 

You are split across 16 funds. That’s on the higher side. Needs review.

 
 

Too many funds reduce focus. You don’t get full advantage from each fund.

 
 

There’s fund overlap. You’re holding multiple funds in similar categories.

 
 
Fund Category Allocation Overview

 
 

Let’s look at your fund categories. We will see where you are strong and where things are scattered.

 
 

Small Cap Funds – You hold 4 small cap funds. That’s too many.

 
 

Mid Cap Funds – You hold 3 mid cap funds. That’s slightly high.

 
 

Flexicap / Large & Mid Cap – You have 4 funds here. Needs cleanup.

 
 

Bluechip / Large Cap – Only 1 fund here. Slightly under-represented.

 
 

Thematic / Sectoral Funds – You have 4 funds here. That is risky.

 
 

Dynamic Asset Allocation – You have 1 fund here. That adds balance.

 
 
Your Portfolio Strengths

 
 

Let’s appreciate what’s working well in your portfolio.

 
 

You have shown long-term vision. Most investors can’t hold on patiently.

 
 

You have a good mix of mid, small and flexicap funds. Growth-oriented.

 
 

You have started SIP early and maintained consistency. That builds wealth.

 
 

Your fund choices include a few high-quality performers. That’s commendable.

 
 

You have added new funds in 2024. That shows adaptability and planning.

 
 
Areas That Need Immediate Attention

 
 

Now let’s look at areas which need a clean-up or some correction.

 
 

Too Many Funds: 16 is too many. Even 8 to 10 is enough. Reduce clutter.

 
 

Too Many Small Cap Funds: 4 small caps can add high risk and volatility.

 
 

Overlapping Categories: Some midcap and flexicap funds behave similarly.

 
 

Too Much Sector Exposure: Infrastructure, Commodities, Auto, Manufacturing – that’s high sector risk.

 
 

Unstable Funds: Some thematic funds do well in cycles. Not suitable for SIP always.

 
 

Missing Debt Allocation: Even aggressive investors need some debt buffer. None seen.

 
 
Suggested Adjustments to Your Portfolio

 
 

Let’s work on a 360-degree improvement plan. Keep it practical and action-oriented.

 
 

Reduce Fund Count: Bring it down to around 8-10 funds. Better tracking and performance.

 
 

Limit Small Cap Funds: Keep only 2 small cap funds. Choose based on past 5-year track.

 
 

Mid Cap Funds: Keep only 2 best-performing midcap funds. Avoid redundancy.

 
 

Flexicap or Large & Mid Cap: Keep 2 funds from this group. Review performance, not names.

 
 

Sector Funds: Choose only 1 or max 2. Prefer long-term stable sectors.

 
 

Add a Balanced Fund: Include 1 balanced advantage or dynamic allocation fund. That helps in market correction phases.

 
 

Review Every 6 Months: Don’t hold laggards. Evaluate every 6 months with your MFD with CFP credential.

 
 

Avoid Direct Plans: Stick to regular plans. You get advisory, service, and emotional coaching.

 
 

Direct funds seem cheaper, but long-term mistakes cost more. Regular funds through a qualified CFP help in discipline.

 
 
Understanding Sector and Thematic Funds

 
 

You hold infrastructure, commodities, auto, and manufacturing funds. These sectors are cyclical.

 
 

These can give sudden highs, but also long flat phases. SIP in sector funds may not suit everyone.

 
 

Keep exposure limited to 10-15% of portfolio. Don’t exceed this.

 
 

Sectoral funds need regular review. If the cycle turns, exit and shift to diversified funds.

 
 

Infrastructure and auto can be held longer term. But commodities and manufacturing are highly volatile.

 
 
Importance of Professional Guidance

 
 

You are handling Rs. 2.8 lakh monthly. That’s a large portfolio in the making.

 
 

A certified financial planner helps in making fund selection efficient.

 
 

They offer risk alignment, taxation insights, rebalancing strategy and emotional handholding.

 
 

Avoid trial and error. Stick with a long-term plan. Don’t get influenced by social media noise.

 
 

Emotional investing hurts performance. A CFP brings clarity and structure.

 
 
Asset Allocation for 43-Year-Old Aggressive Investor

 
 

Let’s look at a suggested structure for you.

 
 

Large Cap + Flexicap + Large & Mid Cap Funds: Around 40-45%

 
 

Mid Cap Funds: Around 25-30%

 
 

Small Cap Funds: Not more than 15%

 
 

Sectoral + Thematic Funds: Around 10%

 
 

Balanced / Hybrid Fund: 5-10% for cushioning market corrections

 
 

This brings balance, growth and flexibility.

 
 
Avoiding Common Pitfalls

 
 

You are already advanced in your investing. Still, let’s watch out for some key mistakes.

 
 

Don't Chase Past Returns: Every year’s winner won’t repeat. Look at long-term consistency.

 
 

Avoid Frequent Switching: Let SIPs run for 5-7 years to show full potential.

 
 

Don’t React to Market News: Volatility is natural. Stay calm. Don’t stop SIPs in correction.

 
 

Monitor Fund Manager Changes: If a top-performing fund loses its manager, review it closely.

 
 

Track Portfolio, Not Just Individual Funds: Overall performance matters, not one or two funds.

 
 
MF Taxation Update as per 2024 Rules

 
 

New tax rules are important. Let’s simplify them for you.

 
 

Equity MF LTCG: Above Rs. 1.25 lakh gain per year taxed at 12.5%

 
 

Equity MF STCG: Short-term capital gains taxed at 20%

 
 

Debt MFs: All gains taxed as per your income tax slab. No LTCG benefit now.

 
 

So it’s even more important to hold funds for 3-5 years minimum.

 
 
Finally

 
 

You have done the most important part – start early, invest regularly, and increase investment over time.

 
 

But now the next step is to simplify, consolidate and add structure.

 
 

Cut down fund count. Avoid theme overload. Maintain allocation. Stick to long term.

 
 

Have a goal-based approach with a certified financial planner. Stay calm in market corrections.

 
 

Your portfolio can create real wealth. Just stay disciplined and focused.

 
 

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Money
Hello. should i continue investing in Hybrid equity funds or should i shift those funds to midcap and index funds??
Ans: You are currently investing in hybrid equity funds.
Now you're thinking of shifting to midcap or index funds.

Let’s analyse each of these based on your possible goals and situation.

First, Let’s Understand Hybrid Equity Funds
Hybrid equity funds balance equity and debt in one fund.

They offer stability from debt and growth from equity.

They are good if you want moderate returns with lower volatility.

Suitable if your goal is 3 to 5 years away or if you are conservative.

Gives a smoother ride during market ups and downs.

What Happens If You Move to Midcap Funds?
Midcap funds invest in medium-sized companies with high growth potential.

But midcap funds are very volatile in the short term.

Risk is much higher, though potential return is also higher.

If your goal is more than 7 years away, and you can handle ups and downs, only then consider midcap funds.

Don’t shift to midcaps just because of recent past returns.

Midcaps require strong patience and discipline during market corrections.

What About Index Funds?
Index funds are passive funds that copy the market index.

They do not try to beat the market returns. They only match it.

They look attractive due to low cost, but they come with no downside protection.

When market falls, index funds fall fully with the market.

No active manager is there to protect you or take advantage of opportunities.

Returns are limited to index performance. No extra gain possible.

In fact, when markets are sideways or falling, index funds underperform active funds.

Key Disadvantages of Index Funds (You Must Know)
No flexibility during market ups and downs.

Zero risk management by fund manager.

Index funds follow index blindly, even if companies in index are poor.

If market goes down 30%, index fund will also fall 30%.

You are on your own, with no expert adjusting portfolio.

Index funds underperform actively managed funds in India over long term, especially in mid and small caps.

Index investing may look attractive in theory, but in real-world, it is less flexible and more risky.

Why Staying in Hybrid Equity Funds May Be Better
You get a good balance of risk and reward.

Debt portion cushions fall during market crash.

Better suited for income generation, goal planning, and retirement strategy.

Actively managed hybrid funds give better flexibility and better returns in volatile markets.

Hybrid funds have performed better than index funds in falling markets.

If You Want to Grow More Aggressively
You can slowly start investing a small part into actively managed midcap funds.

Start with 10%-15% of your portfolio in midcap.

Keep rest in hybrid funds for stability.

Increase midcap exposure only if you are comfortable with the volatility.

Don’t move entire amount to midcap or index funds at once.

Don’t Invest in Direct Funds (Important Insight)
Direct funds may look like they give more returns.

But in reality, you miss professional guidance and ongoing review.

Investing without a Certified Financial Planner (CFP) and MFD support leads to poor choices.

Many people choose wrong funds or wrong time to exit.

Regular plans with a good CFP and MFD help you stay disciplined and goal-focused.

Advice matters more than saving 0.5% cost in direct plans.

Final Insights
Hybrid funds give balanced growth and peace of mind.

Midcap funds are good, but only for long-term investors with high risk capacity.

Index funds look simple, but have no risk control and no potential to outperform.

Don’t shift completely from hybrid to index or midcap funds.

Stay in hybrid funds, and add midcap gradually under expert guidance.

Always invest through regular plans with support from a CFP-qualified MFD.

Ensure your portfolio is aligned with your goals, risk profile, and timeline.

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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