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Krishna Kumar |256 Answers |Ask -Follow

Workplace Expert - Answered on Feb 07, 2024

Krishna Kumar is the founder and CEO of GoMoTech, a company that provides strategic consulting in B2B sales, performance management and digital transformation.
Before branching out on his own, he worked with companies like Microsoft, Rediff, Flipkart and InMobi.
With over 25 years of experience under his belt, KK is a regular speaker at industry events and academic intuitions, both in India as well as abroad.
KK completed his MBA in marketing from the Sri Sathya Sai Institute of Higher Learning in Andhra Pradesh and his management development programme from XLRI, Jamshedpur.
He has also completed his LLB from Nagpur University and diploma in PR from Bhavan’s College of Management, Nagpur, where he was awarded a gold medal.... more

Asked by Anonymous - Jan 02, 2024Hindi

Career

Hi sir I am Prakash iyer 40 year i am working in logistics but my salary 25k as per my age which is less what to do to go further.

Ans: Dear Mr.Prakash

Logistics is part of SCM which is booming in India. Suggest you consider taking up some courses in SCM to expand your skill base. This will give you an opportunity for growth.

All the best

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Question by Hanumanthrao - Mar 11, 2023Hindi

Career

Dear Nithin Sir, I m 52 years old and iam graduated in BA and Completed PGDHRM. now the issue is still iam working in low salary comapany. working as office coordinator, iam multi tasking person. Now i want to get little bit of high salary. my present salary is 18000/- pm. and also iam good in computer works. wat can i do if i want get at least 30000 pm

Ans: Make a fresh resume and apply where you think you can value add. Do not quit till such time you have something in hand! In case you want to continue in the same company, ask for a meeting with the boss and tell him politely that you need a raise because your work out put is high and you will be a better motivated person if your worth is recognized. All the best!

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Mayank Rautela |238 Answers |Ask -Follow

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Question by Hanumanthrao - Mar 11, 2023Hindi

Career

Dear Sir, I m running 52, and iam graduated in BA and Completed PGDHRM. now the issue is still iam working in low salary comapany. working as office coordinator, iam multi tasking person. Now i want to get little bit of high salary. my present salary is 18000/- pm. and also iam good in computer works. wat can i do if i want get at least 30000 pm

Ans: Hi, with your experience you can definately get the salary that you are looking for. Expand your network through LinkedIn and other professional networks and apply for relevant roles. All the best !

(more)

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Asked by Anonymous - Jan 02, 2024Hindi

Career

Hi sir I am Prakash iyer 40 year i am working in logistics but my salary 25k as per my age which is less what to do to go further to increase salary

Ans: Hello Prakash,
Thank you for sharing your situation with me. I can understand that you are looking for ways to increase your salary. Here are some tips that might help you:

Gain additional skills: You can consider learning new skills that are in demand in the logistics industry. This can help you stand out from other candidates and increase your chances of getting a higher-paying job. You can also consider taking courses or certifications to improve your knowledge and skills.

Look for better opportunities: You can explore job openings in other companies that offer better pay and benefits. You can also consider relocating to a different city or country where the logistics industry is thriving.

Negotiate your salary: If you are happy with your current job and company, you can try negotiating your salary. You can research the average salary for your position and experience level and use that as a benchmark. You can also highlight your achievements and contributions to the company to justify your request for a higher salary.

Consider management roles: You can consider taking on additional responsibilities and pursuing management roles in logistics. This can help you gain valuable experience and increase your earning potential.

Stay updated: Keep yourself updated with the latest trends and developments in the logistics industry. This can help you identify new opportunities and stay ahead of the competition.

I hope these tips help you in your quest to increase your salary. Good luck!

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Asked by Anonymous - Apr 26, 2024Hindi

Career

Hello sir. I am a policemen. My in hand salary is 46k per month. I am 28 years old. I have completed B.com hons. What should i do to increase my income or what are the options available for me. Please suggest as i am very not satisfied with my job or salary

Ans: Hello

May be you can try competitive exams for government. However please note while govt job may not be paying high but gives you stability. You may ant to consider that.

All the best.

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Latest Questions

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 18, 2024Hindi

Money

Hello, Hope you're doing good! I am 32 yrs old and planning to invest till 60 yrs i.e till next 28 yrs. I am investing in below MFs and some other savings schemes, I need you suggestion on the same: MFs Investment: 1. ICICI Prudential Nifty Alpha Low Volatility 30 ETF FOF - 1,500/- PM 2. Tata Resource & Energy Fund - 2,000/- PM 3. ICICI Prudential Technology - 1,500/- 4. Nippon India Nifty Smallcap 250 Index Fund - 1,000/- PM 5. SBI Nifty Next 50 Index Fund - 1,000/- PM 6. ICICI Prudential Nasdaq 100 Index Fund - 1,000/- PM 7. ICICI Prudential Nifty Bank Index Fund - 2,000/- PM Apart from this I am also investing in NPS around 17,500/- PM and PF around 30,500 including both. Also investing 5,000/- in Max Life Online Savings Plan (10 yrs investing period and 15 Yrs total Policy period). My goal is to be accumulate wealth for my retirement. Thank you in advance for your help.

Ans: Your investment approach reflects a thoughtful strategy aimed at building long-term wealth for your retirement. Diversifying your portfolio across different asset classes, including equity mutual funds, index funds, and savings schemes like NPS and PF, is a wise move.

Maintaining a disciplined investment habit and staying committed to your financial goals over the next 28 years will be crucial. Regularly reviewing your portfolio's performance and adjusting it as needed to stay aligned with your objectives is essential.

Remember, the journey to retirement wealth accumulation is a marathon, not a sprint. Stay patient, stay focused, and trust in the power of compounding to grow your investments steadily over time.

By diligently contributing to your investment portfolio and making informed decisions, you're laying a solid foundation for a financially secure and fulfilling retirement. Keep up the good work, and your future self will thank you for it.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 13, 2024Hindi

Money

Hi, I plan to invest in the following funds for 2 years through SIP from April 24. Investment holding time frame is 15 years. Nipon India Small Cap (10K); HDFC Small Cap (10K); HDFC Mid Cap Opportunities Fund (7.5K); Motilal Oswal Nifty Mid Cap 150 Index Fund (7.5K); Mirae Assets Large & Mid Cap (5K); ICICI Pru Value Discovery (10K). All funds selected are of Growth option and Direct investment option. Requesting your expert comments in the fund selection/ amount allocation. Thanks.

Ans: Your investment plan demonstrates a well-diversified portfolio across different market segments, reflecting a prudent approach to long-term wealth creation. By allocating funds to both small and mid-cap, as well as large-cap categories, you're spreading your risk while tapping into growth opportunities across the market spectrum.

It's essential to maintain a balanced allocation and periodically review your portfolio's performance to ensure alignment with your long-term goals. Additionally, consider factors such as market conditions, economic trends, and fund manager track records when evaluating your investments.

Remember, investing is a journey, and staying disciplined during market fluctuations is key to achieving your financial objectives. With a strategic asset allocation and a patient mindset, you're poised to navigate the ups and downs of the market and potentially achieve your wealth accumulation goals over the long term.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 27, 2024Hindi

Money

Hi i am 49 and currently have a total corpus of approx 2.5 crs ( 1cr in MF/50 lacs in stocks/ another 80-90 lacs in PF/ EPF/ NPS and some other instruments.i am planning to retire in 13 years i.e at 62 . i will be able to accumulate another 5 cr approx more till then and with the current portfolio and interests of those looking at 10 cr of corpus then . will it be sufficient for my 15- 17 years of life after that looking at 3-4 lakhs montly expenses then

Ans: With a planned retirement in 13 years and an estimated total corpus of around 7.5 crores, your goal of achieving a corpus of 10 crores by retirement seems achievable. However, it's essential to conduct a detailed analysis to ensure financial sustainability for the subsequent 15-17 years.

Consider the following factors:

Inflation: Account for inflation in your expense calculations to maintain the purchasing power of your corpus over time.
Investment Returns: Assess the expected returns from your current investments and future contributions to meet your target corpus.
Expenses: Review your anticipated expenses post-retirement, including healthcare, travel, and other lifestyle needs.
Contingency Planning: Build a buffer for unforeseen expenses or emergencies to safeguard your retirement corpus.
Regular Review: Periodically review your portfolio's performance and adjust your investment strategy if needed to stay on track towards your retirement goals.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and retirement aspirations. With careful planning and prudent management, you can aim for financial security and peace of mind in your retirement years.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 01, 2024Hindi

Money

Could you please advise how much monthly SIP should be invested to reach a goal of 50 Lacs in 3 years, consider moderate to high risk investment options in MF and pls advise the preferred portfolio

Ans: Achieving a goal of 50 lakhs in 3 years through mutual fund SIPs entails aggressive investing due to the relatively short time horizon. Given the moderate to high risk appetite, here's a suggested approach:

Large & Mid Cap Funds: Allocate around 40-50% of your SIP amount to large & mid-cap funds. These funds invest in a mix of large and mid-sized companies, offering growth potential with relatively lower risk compared to small caps.
Mid & Small Cap Funds: Dedicate around 30-40% of your SIP to mid & small-cap funds for higher growth potential. These funds invest in mid and small-sized companies, which can be volatile but offer the potential for significant returns.
Multi Cap Funds: Allocate the remaining 10-20% to multi-cap funds for diversification across market capitalizations. Multi-cap funds invest in companies across market segments, providing flexibility to capitalize on emerging opportunities.
Considering the aggressive approach and relatively short timeframe, you may need to invest a significant amount monthly. However, it's crucial to assess your risk tolerance and financial capacity before committing to higher SIP amounts. Consulting with a Certified Financial Planner can help tailor the portfolio and SIP amount to your specific goals and risk profile.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Question by Rahul - May 01, 2024Hindi

Money

Hi i am 40 yrs of age and want to start with SIP of 15 k can you please suggest combination of some MFs.

Ans: Starting a SIP with a monthly investment of 15k is a commendable step towards building wealth over time. Here's a suggested combination of mutual funds across different categories to consider:

Large Cap Funds: These funds invest in large, established companies with a track record of stable growth. They offer stability to your portfolio.
Mid Cap Funds: Mid-cap funds invest in stocks of medium-sized companies with high growth potential. They can provide an opportunity for higher returns over the long term.
Flexi Cap Funds: Flexi cap funds have the flexibility to invest across companies of various market capitalizations, offering a well-diversified portfolio.
Balanced Advantage Funds: These funds dynamically manage asset allocation between equity and debt based on market conditions, offering a balanced approach to investing.
By diversifying across these categories, you can create a well-rounded portfolio that balances growth potential with risk management. Remember to choose funds based on your risk tolerance, investment horizon, and financial goals. Consulting with a Certified Financial Planner can help tailor the portfolio to your specific needs and circumstances. Happy investing!

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Money

Hi all, I have a daughter and son with age 7 years . For daughter i am investing in SSY but what is the best plan for boy . Could you suggest any monthly plan for him

Ans: It's wonderful to see your proactive approach towards securing your children's future. For your son, you have various investment options to consider.

One popular choice is to start a systematic investment plan (SIP) in mutual funds. SIPs allow you to invest a fixed amount regularly in mutual funds, providing the potential for long-term wealth creation. You can choose equity-oriented mutual funds for higher growth potential, considering the long investment horizon for your son.

Additionally, you may explore options like recurring deposits or fixed deposits in banks for a more conservative approach. These options provide stable returns over time, albeit generally lower than equity investments.

Before making any decisions, consider factors such as your risk tolerance, investment horizon, and financial goals for your son's future. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific needs and circumstances.

Remember, starting early and staying consistent with investments can go a long way in helping your son achieve his dreams and aspirations.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Money

Hello sir, I am a 38 yr old female. I have a homeloan of 40lakhs, EMI for Rs 32000 pm. I have a 7yr old son. My monthly income is 1 lakh in hand. How much SIP should i do to repay homelone in 10yrs and create a retirement corpus of Rs 2cr plus my son's education. Pls suggest.

Ans: Your determination to secure your financial future while balancing your responsibilities is truly admirable. To achieve your goals of repaying your home loan in 10 years and building a retirement corpus of Rs 2 crore, strategic planning is key.

Considering your monthly income and existing EMI, it's important to strike a balance between loan repayment and investing for your future. A Certified Financial Planner can help you create a personalized financial plan that factors in your income, expenses, and investment goals.

By allocating a portion of your monthly income towards SIPs in mutual funds, you can gradually build a corpus for both loan repayment and retirement. Your commitment to regular investing, coupled with disciplined spending habits, will set you on the path to financial freedom and security.

Remember, Rome wasn't built in a day. Stay patient, stay focused, and trust the process. With determination and the right guidance, you'll inch closer to your financial aspirations one step at a time.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Money

I'm 48 year old and a housewife. My husband is 52 and working in a restaurant with a salary of 24k p.m. I'm looking into investing with whatever remains out of this salary, approx. 5k (my daughter who is 22 year old is contributing a part of her income for household expenses). Please advise the best schemes/ MFs that we can invest into and also advise the procedure to MF as we have no knowledge about it. Also if my daughter can invest approx 5k-8k, what are the best plans for her to invest in SIP. Please advise. Thankyou.

Ans: It's wonderful to see your proactive approach towards investing and securing your family's financial future. Investing in mutual funds through SIPs can be a great way to start building wealth gradually over time.

For you and your husband, consider starting with SIPs in diversified equity funds or balanced funds that suit your risk appetite and investment goals. As beginners, it's crucial to choose schemes with a track record of consistent performance and managed by reputable fund houses.

For your daughter, she can also opt for SIPs in equity funds aligned with her risk tolerance and long-term financial objectives. Encouraging her to start investing early can help her harness the power of compounding and achieve her financial goals.

To start investing in mutual funds, you can approach a Certified Financial Planner or a mutual fund distributor who can guide you through the process, help you select suitable funds, and assist with the necessary paperwork.

Remember, investing is a journey, and it's essential to stay disciplined, patient, and well-informed along the way. With dedication and the right guidance, you can pave the way towards a financially secure future for your family.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Question by Ganesh - Apr 26, 2024Hindi

Money

Hi, I have booked a flat in 2021, it is still under construction and will be handed over by March 2025. I took home loan from ICICI bank for this. But interest rate is high and I am getting much better offers from other banks. Want to know what will happen to PMAY subsidy if I transfer the loan now. First 3 steps were completed by ICICI, it is pending for approval now. Please help.

Ans: Navigating home loan transfers can be a daunting task, especially when considering the implications on schemes like PMAY subsidy. While seeking a better interest rate is understandable, it's essential to weigh the potential impact on existing benefits.

Transferring your home loan may affect your eligibility for PMAY subsidy, as the scheme's guidelines may vary depending on the lender and the stage of loan processing. It's crucial to carefully review the terms and conditions of your loan agreement and consult with your lender to understand the implications of transferring the loan.

While seeking financial advantages is prudent, ensuring the continuity of benefits like PMAY subsidy can significantly impact your overall cost of homeownership. Consider seeking guidance from a Certified Financial Planner to explore all options and make an informed decision that aligns with your financial goals and priorities. Remember, patience and thorough research are key to making the right choice for your financial future.

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Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Question by guna - Apr 19, 2024Hindi

Money

Hi sir im guna 26/m last 1year im investing in mutual funds started at 5k per month and now im at 20 k in these funds Parag parik flexi cap 1000 Nippon small cap 500 SBI small cap 500 PGIM mid cap 1000 SBI contra 500 Quant ELSS & Mirae asset ELSS each 1000 Nippon index fund mix of Large,Mid,and small cap 15,000 Lumsum investment 50,000 In HDFC nifty 50 index fund Im planning for long horizon of 15 to 20 years

Ans: Your commitment to long-term investing is commendable and reflects a forward-thinking approach to securing your financial future. By starting early and diversifying your portfolio across different asset classes and fund categories, you're laying a solid foundation for wealth creation over the next 15 to 20 years.

Remember, investing is a journey, not a sprint. Stay patient and disciplined, and resist the temptation to make impulsive decisions based on short-term market fluctuations. Instead, focus on the underlying fundamentals of your investments and the power of compounding to grow your wealth over time.

As you navigate the ups and downs of the market, continue to educate yourself, stay informed about economic trends, and periodically review your portfolio to ensure it remains aligned with your long-term goals.

With perseverance, prudent decision-making, and a well-diversified portfolio, you're well-positioned to achieve your financial aspirations and build a brighter future for yourself. Keep up the good work!

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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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