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Radheshyam

Radheshyam Zanwar  |6324 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 03, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Venugopal Question by Venugopal on Jul 02, 2025Hindi
Career

Maths and computing (B.Sc) in iit kharagpur, ECE iit kharagpur Which is best for my daughter

Ans: Hello Venugopal.
Prefer ECE @ IIT-K. The final decision will be yours.
Good luck!
Follow me if you like this reply. Thanks!
Radheshyam
Career

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Nayagam P

Nayagam P P  |10233 Answers  |Ask -

Career Counsellor - Answered on Jul 03, 2025

Career
ECE iit kharagpur,Maths and computing iit guwahati which is best for my daughter
Ans: Venugopal Sir, IIT Kharagpur’s ECE department, ranked #6 overall by NIRF 2024, records ~87% branch placements over the last three years, facilitated by its Career Development Centre and recruiters like Google, Microsoft, and Amazon. Its curriculum covers core electronics, VLSI, communications, and signal processing, supported by PhD?qualified faculty and advanced labs in microelectronics, wireless, and smart grids, plus cross?disciplinary research via the Central Research Facility. IIT Guwahati’s B.Tech in Mathematics & Computing (NIRF #9 overall, #7 engineering) achieves ~87% placements, with top firms such as Oracle, Microsoft, and Goldman Sachs. The program blends rigorous mathematics, algorithms, and computing courses, delivered by research?active PhD faculty, and provides an HPC cluster, clusters, and high?performance workstations in its computational labs. Both institutes boast NBA/NAAC accreditation, strong industry tie?ups, and consistent three?year placement records in the 85–90% range.

Recommendation:
For a specialized electronics and communications trajectory with deeper industry integration and high-end hardware labs, Recommendation is IIT Kharagpur ECE. If your daughter excels in mathematical foundations and computational research, values intensive coding and analytics training with strong software recruiter outreach, she can choose IIT Guwahati Mathematics & Computing. All the BEST for the Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Money
Hi. I have a monthly income of 1.5lakh. I have SIPs of around 35k monthly. The SIPs are of Nifty smallcap, nifty50index, midcap,parag parikh flexi, kotak midcap. I want to build a diversified portfolio and have an asset of 1cr in 10 years. I have a home loan emi going on which is monthly 20k now. It will increase in the coming months. Please suggest.
Ans: You are already showing strong discipline with Rs. 35,000 monthly SIPs. Starting early and staying consistent is the key to building your Rs. 1 crore goal in 10 years. Your current income and surplus allow you to plan in a structured way without putting pressure on your lifestyle.

» assessment of present portfolio
– Current SIPs are in smallcap, midcap, flexicap, and index funds.
– Smallcap and midcap funds give high growth potential but carry high volatility.
– Flexicap offers balance by letting the fund manager switch between market caps.
– Nifty 50 index gives broad market exposure but no active management flexibility.
– Index funds simply copy the market and cannot avoid downside in bad phases.
– Actively managed funds can shift allocation to protect returns during corrections.

» building a more diversified allocation
– Avoid over-concentration in smallcap and midcap segments.
– Keep largecap actively managed funds as a stability anchor.
– Maintain some exposure to debt mutual funds for safety and liquidity.
– Include an international equity fund for global diversification.
– This reduces risk from Indian market downturns and currency fluctuations.

» recommended asset split for 10-year goal
– Equity funds: 70% of monthly investment.
– Debt funds: 20% of monthly investment.
– Gold or other hedge assets: 10% of monthly investment.
– This balance offers growth, safety, and inflation protection.

» adjusting current SIP mix
– Reduce direct index fund allocation and replace with actively managed largecap or multicap funds.
– Continue with one midcap fund but avoid holding too many in the same category.
– Retain flexicap fund for dynamic market allocation.
– Keep smallcap exposure limited to 10–15% of total portfolio for high growth potential without excessive volatility.

» role of debt allocation in your case
– Debt mutual funds give stability during market falls.
– They also provide liquidity for planned expenses or emergencies.
– Over 10 years, the debt portion will be shifted towards equity in the early years, then increased again in the last 3 years for safety before withdrawal.

» impact of home loan EMI increase
– Your EMI will rise, reducing investible surplus temporarily.
– Plan in advance so you do not stop SIPs when EMI increases.
– Keep an emergency buffer equal to at least 6 months of EMI + expenses.
– This prevents you from redeeming growth investments for loan needs.

» estimating potential growth towards Rs. 1 crore
– If you invest consistently and follow a balanced allocation,
– Equity growth over 10 years can multiply invested amounts significantly.
– The debt portion will add stability and protect from market timing risks.
– Even with moderate growth assumptions, Rs. 1 crore in 10 years is realistic.

» tax planning for your investments
– Equity mutual funds: LTCG above Rs. 1.25 lakh in a year taxed at 12.5%.
– STCG on equity: 20% tax rate.
– Debt mutual funds: taxed as per your income slab for both short and long term.
– Plan redemptions around your goal year to minimise tax liability.

» review and rebalancing
– Review portfolio performance annually.
– If one category grows beyond target allocation, rebalance to maintain risk level.
– Rebalancing avoids over-exposure to any single segment.
– In last 2–3 years before goal, gradually shift gains to debt for safety.

» safeguarding financial plan
– Ensure you have adequate health and life insurance.
– This keeps your investment plan safe even if an emergency occurs.
– Avoid stopping SIPs unless there is a severe cash flow issue.
– Continue business or salary income growth to keep surplus healthy.

» finally
You already have the right habit of disciplined SIPs. By reducing over-concentration in high-risk segments, shifting some index fund allocation to actively managed funds, and adding a planned debt portion, you can control risk while targeting Rs. 1 crore in 10 years. Staying consistent, rebalancing regularly, and protecting your plan with insurance will ensure you reach your goal confidently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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