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Mayank Chandel |415 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Mar 31, 2023

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more

Question by Adnan on Mar 26, 2023Hindi

Career

Hello mam I completed my 12th board but I want preparation for neet but my basic is not perfect how can. I improve please tell me

Ans: Hello Adnan,
You have very less time to start from basics as NEET is scheduled in May. You just try to appear for more and more mock tests and improve your weaker areas by clearing your doubts.

You may like to see similar questions and answers below

Harsh Bharwani |56 Answers |Ask -Follow

Entrepreneurship Expert - Answered on Mar 28, 2023

Question by Adnan - Mar 26, 2023Hindi

Career

Hello mam I completed my 12th board 2023.and I want to preparation for neet exam 2024 .but my basic concepts (11th and 12th ) are not perfect. How can I improve with preparation please tell me

Ans: It's great that you're thinking ahead and planning to prepare for the NEET exam. To improve your basic concepts, here are some suggestions:

Review your class notes and textbooks: Go through your class notes and textbooks from 11th and 12th grade to ensure that you have a good grasp of the basic concepts. Focus on understanding the fundamental principles rather than just memorizing facts.

Attend coaching classes: Enroll in a coaching class or find a tutor who can help you revise and strengthen your basic concepts. Coaching classes are designed to provide you with a structured learning environment and personalized guidance.

Take practice tests: Practice tests are an excellent way to test your knowledge and identify areas where you need improvement. Take practice tests regularly to evaluate your progress and adjust your study plan accordingly.

Utilize online resources: There are many free online resources available that can help you revise and practice your basic concepts. Websites like Khan Academy and YouTube channels like Unacademy offer excellent video tutorials and practice exercises.

Join a study group: Joining a study group with like-minded students can help you revise and clarify your concepts. You can share notes, ask questions, and discuss difficult concepts with your peers.

Remember, preparing for the NEET exam requires dedication, hard work, and a well-planned study schedule. By focusing on strengthening your basic concepts and utilizing the resources available to you, you can improve your chances of success. Best of luck with your preparations!

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Hariprasath - Apr 09, 2024Hindi

Money

Already 5 months before I have started invented in small cap funf each month 1k is this ok or I have to go for large cap

Ans: Investing in a small-cap fund with a monthly investment of 1k can be suitable if you have a long-term investment horizon and a higher risk tolerance. Small-cap funds have the potential for significant growth over time but are also more volatile compared to large-cap funds.

If you're comfortable with the risks associated with small-cap investing and your financial goals align with the potential returns from this segment of the market, continuing with your current investment strategy may be appropriate.

However, if you prefer a more stable and less volatile investment option, you might consider reallocating some of your investments to large-cap funds. Large-cap funds typically invest in established companies with stable earnings and lower volatility, making them suitable for investors with a more conservative risk appetite.

Ultimately, the decision depends on your individual financial goals, risk tolerance, and investment timeframe. Consulting with a Certified Financial Planner can provide personalized advice and help you determine the most appropriate investment strategy based on your circumstances.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by GYANESH - Apr 09, 2024Hindi

Money

I am 50 year old, invested 11000/- per month SIP in SBI Magnum ESG fund, SBI Flexi cap, SBI Dividend yield fund, Sundaram Small Cap, Sundaram aggressive fund, DSP NRNE, HDFC Midcap, how much this will be aftre 15years.

Ans: Calculating the future value of your SIP investments after 15 years depends on various factors such as the rate of return, market conditions, and the performance of the chosen funds. It's essential to understand that predicting future returns with absolute certainty is challenging due to market volatility.

However, as a rough estimate, you can use an SIP calculator available online to input your monthly SIP amount, expected rate of return (based on historical performance or projected growth), and investment duration (15 years). This will give you an approximate idea of the corpus you can accumulate at the end of the investment period.

Remember, past performance is not indicative of future results, and it's crucial to regularly review your investments and adjust your strategy as needed to stay on track towards your financial goals. Consulting a Certified Financial Planner can provide personalized guidance and recommendations tailored to your specific financial situation and objectives.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Tauhid - Apr 08, 2024Hindi

Money

Hello Ma'am , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks

Ans: Your choice of mutual funds for SIP investments reflects a diversified portfolio covering various market segments. Considering your long-term horizon of 8-10 years, these funds have the potential to deliver favorable returns.

However, it's essential to periodically review your portfolio's performance and ensure it aligns with your investment goals and risk tolerance. Additionally, consider factors like fund performance, fund manager track record, expense ratios, and market conditions when evaluating your investments.

For the additional 10K SIP investment, you may consider adding to existing funds or diversifying further based on your risk appetite and investment objectives. You might explore large-cap equity funds for stability and growth potential or thematic funds aligned with emerging trends if you're comfortable with higher risk.

Consulting a Certified Financial Planner can provide personalized recommendations tailored to your financial goals and help optimize your investment strategy for long-term wealth accumulation. They can also assist in monitoring your portfolio and making adjustments as needed to stay on track towards your objectives.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 08, 2024Hindi

Money

Hello i am Arvind 48 ,i wants to retire at 60 yrs ,i need 10Cr corpus at the time of retiremrnt ,i do sip 75000 monthly since ,April 22 pls suggest me how much amount i hv to add to get 10 cr Regards Arvind

Ans: To achieve a retirement corpus of 10 crores by the age of 60 through SIPs, you need to determine the additional amount you need to invest monthly. Here's a simplified approach:

Calculate the time left until retirement: You have 12 years until you turn 60.
Estimate the future value of your current SIP investments: Use an SIP calculator with your current SIP amount and expected rate of return to estimate the corpus you'll have at retirement.
Determine the shortfall: Subtract the estimated corpus from your current SIP investments from the desired 10 crore corpus.
Calculate the additional SIP amount needed: Divide the shortfall by the remaining number of months until retirement (12 years x 12 months/year).
Adjust for inflation and revisit periodically: Consider inflation and revisit your plan periodically to ensure you're on track.
Consulting a Certified Financial Planner can provide a more accurate calculation tailored to your specific circumstances, considering factors like inflation, investment returns, and any changes in your financial situation. They can also provide guidance on optimizing your investment strategy to achieve your retirement goals.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Aditya - Apr 08, 2024Hindi

Money

I am 30 years old. I want to invest 1.5 lakh monthly into mutual funds through sip. Objective is to aim 1cr in next 4.5 years. Would continue the investment going forward. Currently invested in PPF(1.5L), VPF(5k), PPFAS (3000/mo), UTI Nifty 50 Index fund(3000/mo). I have moderate risk appetite. Please suggest me funds to invest in. Also would like to explore faang. Should i broaden my debt part as i already have ppf and vpf?

Ans: Given your investment horizon and goal of reaching 1 crore in 4.5 years with a monthly SIP of 1.5 lakhs, it's important to adopt a balanced approach considering your moderate risk appetite.

For equity mutual funds, you can consider a mix of large-cap, multi-cap, and sectoral funds to diversify your portfolio. Funds with a consistent track record of performance and a strong portfolio management team may be suitable. Additionally, considering your interest in FAANG stocks (Facebook, Apple, Amazon, Netflix, Google), you may explore global equity funds or technology sector funds that invest in these companies or similar tech giants.

For the debt portion, since you already have substantial investments in PPF and VPF, you may explore other debt options such as short-duration debt funds or corporate bond funds to enhance diversification and potentially optimize returns.

It's crucial to conduct thorough research and consult with a Certified Financial Planner to select suitable mutual funds aligned with your financial goals, risk tolerance, and investment horizon. They can provide personalized recommendations and help you build a well-rounded investment portfolio. Additionally, periodically review your portfolio to ensure it remains aligned with your objectives and make adjustments as needed.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Rajesh - Apr 07, 2024Hindi

Money

I want to start sip for rs.10000 per month for 25 years,how much will i get appox.?

Ans: Calculating the approximate returns for a SIP (Systematic Investment Plan) of Rs. 10,000 per month for 25 years depends on various factors such as the expected rate of return, the type of mutual funds chosen, and market conditions.

As a general estimate, assuming a moderate annual return of around 10-12%, you could accumulate a significant corpus over 25 years. However, it's important to note that market returns are subject to fluctuations, and actual results may vary.

To get a more precise projection, you can use online SIP calculators provided by mutual fund companies or financial websites. These calculators allow you to input your investment amount, expected rate of return, and investment duration to estimate the potential corpus at the end of the investment period.

Remember, investing in mutual funds carries inherent risks, and past performance is not indicative of future results. It's advisable to consult with a Certified Financial Planner to create a personalized investment plan tailored to your financial goals, risk tolerance, and time horizon.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Shsilasri - Apr 05, 2024Hindi

Money

Hello sir ,my huband has taken medical insurance frm manipal cigna frm 2015 till date never claimed anything all these years but last year july suddenly my husband got pneumonia he got hospitalized before joining inthe hospital we consulted the insurance agent and took necessary file number to claim insurance but sadly at the end insurance company rejected to pay bill saying(2.5lks) he used to pay 58 thosand per year family floater,now thy have canceled whole policy and thy didn't even paying the amt we paid all these years ,agent is not responding can we do anything to get our hard-earned money back now we dont have any medical insurance he is 57yrs now pls suggest anything we can do

Ans: I'm truly sorry to hear about your husband's health complications and the subsequent challenges with your medical insurance. Facing such situations can be distressing, especially when dealing with unexpected denials and cancellations. It's important to take action to address this issue.

Firstly, gather all relevant documents, including policy details, correspondence with the insurance company, and any communication with the agent. This documentation will be crucial in understanding the reasons for the denial and in any potential appeals or legal actions.

Next, consider reaching out directly to the insurance company to request a review of the decision and clarification on why the claim was rejected. If you're unsatisfied with their response, you may escalate the matter through their grievance redressal mechanism or regulatory authorities.

Additionally, seeking legal advice from a lawyer who specializes in insurance matters could provide insight into your rights and options for recourse. They can help you navigate the complex legal landscape and pursue appropriate action to recover your hard-earned money.

While the situation is undoubtedly challenging, remember that you're not alone. Reach out to consumer rights organizations or advocacy groups that may offer support and guidance in dealing with insurance-related issues. Your perseverance and determination to seek justice are commendable, and I hope you find a resolution that provides the relief and security you deserve.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Kunal - Apr 03, 2024Hindi

Money

I have to invest 2 lacs lump sum in mutual funds for 24 months. Which scheme should I go for the maximum return ?

Ans: Selecting the right mutual fund scheme depends on various factors such as your risk tolerance, investment goals, and time horizon. For a lump sum investment with a relatively short time frame of 24 months, consider schemes with a balanced approach that aim for steady growth while managing risk. Look for diversified equity funds or hybrid funds that have a track record of consistent performance over similar time periods. However, it's essential to remember that all investments carry some level of risk, and past performance is not indicative of future results. Consulting a Certified Financial Planner can help you choose a suitable scheme aligned with your financial objectives and risk appetite.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 01, 2024Hindi

Money

ON REIMBURSHMENT OF EXPENSES INCURRED FOR COMPANY , IS THIS LIABLE FOR TDS

Ans: Reimbursement of expenses incurred for the company isn't typically liable for TDS (Tax Deducted at Source). TDS is generally applicable on specific types of payments such as salaries, interest, rent, etc. However, there might be exceptions based on the nature of expenses and the relevant provisions of the Income Tax Act. It's advisable to consult a tax expert or a Certified Financial Planner to ensure compliance with tax regulations and to understand any potential implications based on the specific circumstances of the expenses and the company's operations.

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Ramalingam Kalirajan |1234 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Mukesh - May 01, 2024Hindi

Money

My Mutual Funds have grown by 30L. Should I withdraw the growth and buy Units of same or different fund for increasing my base? Is this a wise strategy?

Ans: Congratulations on the growth of your mutual funds! It's a testament to your commitment to financial planning. Now, the decision to withdraw the growth and reinvest is a pivotal one. Consider the philosophical aspect—growth signifies progress, but is it wiser to reinvest and nurture this growth or cash out and potentially lose momentum? As a Certified Financial Planner, I urge you to reflect on your long-term goals and risk tolerance. Reinvesting the growth could amplify your base, potentially accelerating your journey towards financial freedom. However, it's crucial to weigh this against the risk of market fluctuations and the need for diversification. Let's explore together—balancing appreciation for your achievements with prudent financial decisions is key to securing your financial future.

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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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