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Chandu Nair  |65 Answers  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Jul 10, 2024

Chandu Nair advises entrepreneurs and enterprises about creating and building their business.
He has direct experience in angel, venture capital and strategic investor funding. Over the last three decades, he has made a name for himself in industry, consultancy, media and information services.
Nair is on the advisory boards of the Chennai-based private equity firm Fulcrum and the social impact fund, Menterra. He's an independent director on the board of India's first retail building products company, Shankara Building Products Limited.
He was the co-founder of Scope e-Knowledge Center, a pioneering knowledge process outsourcing company, as well as the co-founder of a business-to-business e-commerce venture, both of which he successfully exited.... more
Asked by Anonymous - Nov 22, 2023Hindi

Dear Mr Chandu I'm 51 now and I have a business idea. But don't know how to exactly go about it and I don't want to experiment too much at this stage of my life. I have a prior experience of business. Kindly guide me further. Thanks

Ans: Dear Mr Anon, you have given me very little to go by to help you. One way is to go to a trusted friend who is already running a business and see if he is interested in taking your idea forward and actively participating in it. That can help de-risk you and also give you required support. I presume you have already done adequate on the ground research on your idea and validated it?

You may like to see similar questions and answers below

Latest Questions

Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 16, 2024Hindi
Hi there, I am 34 yr old, new in market. Never invested in any mutual funds or anything. Can you guide me whats best option for me right now in terms of mutual funds, stocks, bonds, Etfs etc. Looking for ling term investment. Thanks in advance!!
Ans: As a 34-year-old new investor, you have the advantage of a long investment horizon, which allows you to benefit from compounding. Here's a guide to help you get started.

Investment Options

1. Mutual Funds

Equity Mutual Funds: Suitable for long-term growth. Invests in stocks and provides diversification. Ideal for those looking to build wealth over time.

Debt Mutual Funds: Safer option, invests in bonds and government securities. Provides regular income and stability.

Hybrid Mutual Funds: Combines equity and debt. Balanced approach to growth and stability.

2. Stocks

Direct Stock Investment: Invest in individual companies. Requires research and monitoring. Potential for high returns but comes with higher risk.
3. Bonds

Government Bonds: Safe and secure. Provides fixed returns over time. Suitable for conservative investors.

Corporate Bonds: Higher returns than government bonds but come with higher risk.

4. Exchange-Traded Funds (ETFs)

ETFs: Trades like a stock but holds a diversified portfolio. Offers exposure to a wide range of assets with lower fees.
Investment Strategy

1. Define Your Goals

Long-Term Goals: Retirement, children's education, buying a house. Helps in choosing the right mix of assets.
2. Assess Your Risk Appetite

High Risk Tolerance: Can invest more in equity mutual funds and stocks.
Moderate Risk Tolerance: Balance between equity and debt funds.
Low Risk Tolerance: Focus more on debt funds and bonds.
3. Diversify Your Portfolio

Diversification: Spread investments across different asset classes. Reduces risk and enhances returns.
4. Start with Systematic Investment Plans (SIPs)

SIPs: Invest a fixed amount regularly in mutual funds. Disciplined approach and benefits from rupee cost averaging.
5. Review and Rebalance

Regular Reviews: Monitor your investments periodically.
Rebalancing: Adjust your portfolio based on performance and changing goals.
Recommended Approach

For a Balanced Portfolio:

Equity Mutual Funds: 60% of your portfolio. Choose a mix of large-cap, mid-cap, and small-cap funds.
Debt Mutual Funds: 20% of your portfolio. Provides stability and income.
Bonds: 10% of your portfolio. Safe and secure returns.
ETFs: 10% of your portfolio. Diversified and low-cost option.
Final Insights

Starting your investment journey with a mix of mutual funds, bonds, and ETFs can provide a balanced approach to growth and stability. Regularly review your investments and adjust as needed to stay aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 17, 2024Hindi
Sir,my aim was to study cse, now I have got electrical and computer in Thapar which costs around 5.4lakhs pa, amrita amaravati campus cse which costs around 3lakhs pa tuition fees, so it will go around 4-4.5 pa(including everything), and IEM in Kolkata IT branch which will cost around 7-8lakhs for 4years. Sir please guide me, money is not that much of a factor but I don't want to use my father's hard earned money, and would like to take a loan if the budget goes over 10lakhs. Sir please help me out as I am confused. Thank you.
Ans: Evaluating Your Options

You have three educational options:

Electrical and Computer Engineering at Thapar Institute.
Computer Science Engineering at Amrita Amaravati.
Information Technology at IEM Kolkata.
Let’s break down the financial aspects of each option to help you make an informed decision.

Cost Analysis

Thapar Institute:

Annual Cost: Rs 5.4 lakhs
Total for Four Years: Rs 21.6 lakhs
Amrita Amaravati:

Annual Tuition Fee: Rs 3 lakhs
Total for Four Years (including other expenses): Rs 12-15 lakhs
IEM Kolkata:

Total for Four Years: Rs 7-8 lakhs
Budgeting Considerations

Thapar Institute:

High Cost: The total cost of Rs 21.6 lakhs is significant.
Loan Requirement: Given the high cost, you might need to take a substantial loan, especially if the budget exceeds Rs 10 lakhs.
Amrita Amaravati:

Moderate Cost: Total cost is around Rs 12-15 lakhs, more manageable.
Potential Loan: You might need a smaller loan, making repayment easier.
IEM Kolkata:

Low Cost: Total cost is the most economical at Rs 7-8 lakhs.
Minimal Loan: If at all required, the loan amount would be minimal.
Personal Finance Impact

Parental Contribution vs. Loan

Thapar Institute: Requires a significant financial outlay or loan, impacting your family's finances. If a loan is taken, ensure that the interest rates and repayment terms are favorable.

Amrita Amaravati: More balanced in terms of cost. You might need a smaller loan, which would be easier to manage and repay.

IEM Kolkata: Least financial burden. If you prefer to minimize your family's financial stress, this is the best option.

Long-term Financial Planning

Return on Investment (ROI)

Thapar Institute: High ROI potential due to its strong reputation and placement record. However, the high initial cost needs to be justified by future earnings.

Amrita Amaravati: Good ROI with moderate costs. As it aligns with your preferred field (CSE), it offers a balanced investment with potentially good returns.

IEM Kolkata: Economical with good placement opportunities. Offers a favorable ROI with the least financial burden.

Loan Repayment

Thapar Institute: Higher loan amount means higher EMIs. Ensure you have a clear repayment plan based on your expected starting salary.

Amrita Amaravati: Moderate loan amount results in manageable EMIs. Easier to handle with a decent starting salary.

IEM Kolkata: Minimal loan requirement, if any. Loan repayment will be the least stressful.

Emergency Fund and Savings

Regardless of your choice, maintain an emergency fund for unforeseen expenses.

Plan to save a portion of your income post-graduation to build a financial cushion.

Final Insights

From a personal finance and budgeting perspective:

Amrita Amaravati strikes a balance between cost and your preferred field, making it a prudent choice with manageable financial implications.

Thapar Institute is a significant investment with potentially high returns but requires careful financial planning due to the higher costs involved.

IEM Kolkata offers the least financial strain and is a good option if minimizing costs is a priority.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Hi, I am 40 years old, stay with wife , no kids. My monthly take home salary is 1,00,000. I have yearly contributions towards Tax saver mutual funds of 1,20,000. PPF of 30,000 and NPS of 50,000. Investment towards non tax saver mutual funds of 36,000 for last 3 years. 23,000 is my rent and 50,000 is my monthly family expense. I have a house in my native where my mother stay with approx valuation of 50L. Wife has a plot in her native which is priced 1Cr as of today. Please suggest what should be my retirement corpus and how to achieve the same.
Ans: You have a monthly take-home salary of Rs. 1,00,000. Your annual investments are:

Tax Saver Mutual Funds: Rs. 1,20,000
PPF: Rs. 30,000
NPS: Rs. 50,000
Non-Tax Saver Mutual Funds: Rs. 36,000
Your monthly expenses are:

Rent: Rs. 23,000
Family Expenses: Rs. 50,000
Evaluating Existing Investments
Your current investments in tax saver and non-tax saver mutual funds, PPF, and NPS are good. These will help build your retirement corpus over time.

Estimating Retirement Corpus
Assume you plan to retire at 60 and live till 85. You need a retirement corpus to cover 25 years. Considering inflation and current expenses, your retirement corpus should be substantial.

Steps to Achieve Retirement Corpus
Increase Monthly Savings: You have Rs. 27,000 left after expenses. Allocate this to your retirement savings.

Diversify Investments: Continue investing in mutual funds and NPS. Consider increasing your SIP amounts gradually.

Review and Adjust Investments: Regularly review your portfolio. Adjust based on market conditions and financial goals.

Consider Health Insurance: Ensure you have adequate health insurance. This protects your savings from medical emergencies.

Emergency Fund: Maintain an emergency fund. This should cover 6-12 months of expenses.

Property Valuation
Your house and wife's plot are significant assets. Though not recommended for real estate investment, they provide financial security.

Final Insights
You are on the right track with diversified investments. Increase your savings, review regularly, and ensure you are covered for emergencies. This will help you achieve a secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 26, 2024Hindi

Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 28, 2024Hindi
Hello. I have started investing. I have invested 80k through an agent lumpsum. But now I want to start an sip by myself as well as buy an sgb. I have decided Nippon small cap as a fund for 10k and I have decided another fund motilal oswal midcap fund for 10k. Every month if I have anything left extra maybe 2-3k i will invest in other funds like index funds. I chose only small and mid cap because I am just 24 years old and I don't really have many expenses, long term investment horizon and decided 20k after keeping aside 10k for myself. I am also going to buy an sgb on zerodha coin and leave it for 8 years. I am goin to get 2.4 lakhs from my chut fund. I am not sure how much to invest in sgb and what to do with remaining. I have 1.5 in my fd. I started sip in et money app. I set it up and it's goin to start from July 1st 2024. Please help me with if the funds I chose are good for me and how do I split the 2.5 l and also please suggest if zerodha for sgb and et money for sip are good. I also wanted one for swp but i don't know much about that and where to start that. Do you suggest and swp fund for me for nor or just stick to my plan? Please help me . Thank you so much.
Ans: Review of Current Investments

You have started with a lumpsum investment of Rs 80,000 through an agent. Additionally, you plan to invest Rs 20,000 per month in SIPs, focusing on small and mid-cap funds.

Your choice of small and mid-cap funds aligns well with your long-term horizon and risk appetite at 24 years old.

Investment Platforms: Evaluation

ET Money for SIP:


Easy to use and set up SIPs.

Convenient for managing multiple investments.


Lacks personalized advice from Certified Financial Planners.

Limited support for complex financial planning.

Zerodha for SGB:


Simple and cost-effective for buying SGBs.

Good for long-term holding.


May not provide personalized investment advice.

Limited customer support for investment queries.

Advantages of Investing through an MFD

Personalized Advice: Tailored to your financial goals and risk profile.

Regular Monitoring: Helps in adjusting investments based on market conditions.

Comprehensive Planning: MFDs offer a holistic approach, including tax planning and retirement planning.

Disadvantages of Digital Platforms

Lack of Personal Touch: Limited personalized advice and support.

Complex Needs: May not cater to complex financial planning needs.

Utilizing Your Chit Fund Proceeds

You will receive Rs 2.4 lakhs from your chit fund. Here’s how you can allocate it:

SGB Investment: Consider investing Rs 1 lakh in SGB for long-term stability and returns.

Diversified Mutual Funds: Invest Rs 1.4 lakhs in diversified mutual funds through an MFD to balance risk and growth.

Systematic Withdrawal Plan (SWP)

An SWP can provide regular income from your mutual fund investments. It is more suitable once you have built a substantial corpus. For now, focus on growing your investments.

Final Insights

Your investment choices reflect a good start. Consider engaging with an MFD for personalized advice and comprehensive planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024


Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 10, 2024Hindi
Is it worth considering a real estate investment at Panvel, Navi Mumbai? Or is it better to invest that capital in other growth instruments like MFs? I already have 2 houses, with zero debt, and I'm considering investing in Navi Mumbai, as I'm hearing that it'll grow as a corridor. Please advise.
Ans: Real Estate in Panvel, Navi Mumbai
Panvel is indeed growing.

The area shows promise as a future corridor.

You already own two houses.

You have zero debt, which is commendable.

Considerations for Real Estate Investment
Real estate investments can be illiquid.

Selling property takes time and effort.

Property values can fluctuate and may not always guarantee high returns.

Benefits of Mutual Funds
Mutual funds offer higher liquidity.

You can redeem investments easily.

They provide potential for high returns.

Actively Managed Funds
Actively managed funds are preferred.

Fund managers work to maximize returns.

They can adapt to market changes effectively.

Mutual funds allow for better diversification.

You can spread your risk across sectors.

This can lead to more stable returns.

Professional Management
Mutual funds are managed by experts.

Certified Financial Planners can guide you.

Regular reviews and adjustments are possible.

Final Insights
Investing in mutual funds is more flexible.

They offer better liquidity and potential returns.

Consider mutual funds over another property.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4850 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

If anyone want to investment planning. Please let me know like lumpsum benefits and guaranteed income I will tell you briefly
Ans: Lumpsum Investment: Benefits and Considerations


Potential for Higher Returns: Investing a large amount at once can yield significant returns.

Simple and Quick: One-time investment, no need for regular monitoring.

Ideal for Market Opportunities: Beneficial during market dips for higher gains.


Market Risk: Higher exposure to market volatility at one point.

Timing Risk: Difficult to time the market perfectly.

Liquidity: May face restrictions on withdrawing funds.

Guaranteed Income: Options and Benefits

Fixed Deposits:

Safety: Provides guaranteed returns.

Liquidity: Easy to withdraw with minimal penalties.

Predictable Income: Fixed interest rate ensures regular income.

Public Provident Fund (PPF):

Safe Investment: Government-backed, risk-free.

Tax Benefits: Interest earned is tax-free.

Long-Term Growth: Suitable for long-term financial goals.

Senior Citizens' Savings Scheme (SCSS):

High Safety: Government-backed, secure returns.

Regular Income: Quarterly interest payments.

Tax Benefits: Investment eligible for tax deduction.

Systematic Withdrawal Plan (SWP):

Flexibility: Regular income from mutual funds.

Tax Efficiency: Only the gains are taxed, not the principal.

Control: Decide the withdrawal amount and frequency.

Final Insights

Combining lumpsum investments with guaranteed income options can provide growth and stability. Regular reviews with a Certified Financial Planner can help align with your goals.

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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