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Dr Hemalata Arora  |201 Answers  |Ask -

General Physician - Answered on Aug 20, 2023

Dr Hemalata Arora is a senior consultant who practises internal medicine at Mumbai’s Nanavati Max Super Speciality Hospital.
In a career spanning over 24 years, she has focused on managing infectious diseases, critical illnesses and lifestyle disorders.
Dr Arora completed her MBBS and MD from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in Mumbai.
She is ECFMG certified, accredited by the American Board of Internal Medicine, Diplomate of the National Board and a DNB faculty.
She was honoured with the Paul Bunn award for her promising performance in the field of infectious diseases at SUNY Upstate Medical University, New York.... more
Anil Question by Anil on Aug 04, 2023Hindi

Greetings Sir They say if a diabetic patient takes a sweet it will get reflected in pre and post-sugar levels. I have seen several times the pre and post-sugar are well under the range despite eating sweets. Is it because of the medicine impact?

Ans: Sweets and other carbohydrate rich foods and in fact all foods would affect sugar levels in certain ways, some less and some more. If the body's metabolism is good or if the medications in a diabetic patient are adequate, you may not have abnormal sugars even after consuming high carb foods.
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.

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Latest Questions

Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 11, 2024Hindi
I am 33 years old. I have a daughter of 2 years. I have parents with high BP and diabetes. I am working on Government sector with net salary 55k. I am investigating 12k in SIP. 4K in axis small cap, 4k parag Parekh flexi cap, 4k in SBI ELSS and 2k in Mirar asset emerging cap. I HBL of 10 lakh. I have medicine insurance and term insurance of 50lakh.NPS contribution 14k. I want 1 CR for my daughter's education. How should I plan.Thank you.
Ans: 1. Current Financial Overview

1.1 Income and Expenses

Net salary: Rs 55,000 per month.
SIP investments: Rs 12,000 per month.
NPS contribution: Rs 14,000 annually.
Insurance: Health and term insurance coverage.
1.2 Existing Investments

SIPs: Rs 12,000 monthly.
Axis Small Cap: Rs 4,000
Parag Parikh Flexi Cap: Rs 4,000
SBI ELSS: Rs 4,000
Mirae Asset Emerging Bluechip: Rs 2,000
Fixed Deposits (FD): Rs 10,00,000
Term insurance: Rs 50,00,000.
2. Goal: 1 Crore for Daughter’s Education

2.1 Time Horizon

Assuming the goal is for your daughter’s education in 15 years, you have ample time to accumulate this corpus.
2.2 Investment Strategy

2.2.1 Increase SIP Contributions

Given your long-term goal, consider increasing your SIP contributions progressively.
You can start with a 10-15% increase in SIPs annually to keep pace with inflation and rising costs.
2.2.2 Diversify SIP Investments

Equity Funds: Continue with your current funds, which cover various sectors and market caps.
Balanced Funds: Include some balanced or hybrid funds for stability and growth.
Debt Funds: Consider investing a portion in debt funds for lower risk and stable returns.
2.2.3 Explore Additional Investment Options

Mutual Funds: Actively managed funds can provide better returns compared to passive funds.
Public Provident Fund (PPF): Consider adding PPF to your investment mix for tax benefits and guaranteed returns.
Systematic Investment Plans (SIPs): Increase your investments in equity funds to maximize growth potential over time.
2.2.4 Evaluate Fixed Deposits

While FDs are safe, their returns are lower compared to equity investments.
Consider allocating a portion of your FD corpus into higher-return investments for long-term growth.
3. Health Insurance and Emergency Fund

3.1 Health Insurance

Ensure your health insurance covers major medical expenses, especially for chronic conditions like diabetes and hypertension.
3.2 Emergency Fund

Maintain an emergency fund of 6-12 months of expenses to cover unforeseen situations.
This fund should be liquid and easily accessible.
4. National Pension System (NPS)

4.1 Contribution

Continue with your annual NPS contribution of Rs 14,000.
NPS provides a stable retirement corpus and tax benefits.
4.2 Review

Periodically review your NPS investments and ensure they align with your risk tolerance and retirement goals.
5. Financial Planning for Daughter’s Education

5.1 Target Corpus

To accumulate Rs 1 crore in 15 years, aim for a balanced investment strategy with growth-oriented assets.
5.2 Periodic Review

Regularly review your investment strategy and adjust contributions as needed.
Rebalance your portfolio based on performance and market conditions.
Final Insights

To achieve your goal of Rs 1 crore for your daughter’s education, increase your SIP contributions, diversify investments, and periodically review your financial plan. Balance your investments between equity and debt to ensure growth and stability. Maintain an emergency fund and ensure adequate health insurance coverage. Regularly monitor and adjust your investments to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

I am 47 yrs old have 50,00000 rs i will be goin abroad in dew mnths. I want to purchase land or house as investment but worried as no one wi be there to take care of it what should i do will it be a better option to invest in strocks. Plz advice..
Ans: With Rs 50,00,000 to invest and plans to move abroad, it's important to consider your options carefully. Given the challenges of managing real estate from abroad, let’s evaluate alternatives.

1. Real Estate Investment Challenges

1.1 Property Management Issues

Managing property from abroad can be difficult.
Finding reliable local managers can be challenging.
1.2 Maintenance Costs

Real estate incurs regular maintenance costs.
Unforeseen repairs can be expensive.
1.3 Rental Income Risks

Rental income may be inconsistent.
You might face tenant management issues.
2. Alternative Investment Options

2.1 Mutual Funds

2.1.1 Actively Managed Funds

Actively managed funds offer professional management.
They can potentially outperform market indices.
2.1.2 Systematic Investment Plans (SIPs)

SIPs help in disciplined investing.
They provide rupee cost averaging benefits.
2.2 Stocks

2.2.1 Individual Stocks

Investing in individual stocks requires market knowledge.
High potential for returns but also high risk.
2.2.2 Diversified Equity Funds

Diversified funds spread risk across various stocks.
They offer professional management without needing personal oversight.
2.3 Fixed Income Securities

2.3.1 Bonds

Bonds provide regular interest income.
They are generally safer than stocks but offer lower returns.
2.3.2 Fixed Deposits (FDs)

FDs offer guaranteed returns.
They are low-risk but provide lower returns compared to equity.
2.4 Exchange-Traded Funds (ETFs)

ETFs provide diversification like mutual funds.
They can be traded like stocks and offer lower expense ratios.
3. Considerations for Abroad Investment

3.1 Accessibility

Choose investments that are easy to manage remotely.
Online platforms offer convenience for monitoring and managing investments.
3.2 Tax Implications

Be aware of tax regulations in your current and future countries.
Investment income may be subject to different tax rules.
3.3 Liquidity

Ensure your investments are liquid if you need to access funds quickly.
Real estate is less liquid compared to mutual funds and stocks.
4. Recommended Investment Strategy

4.1 Diversification

Spread investments across different asset classes.
Diversification helps manage risk.
4.2 Regular Monitoring

Use online tools to monitor your investments.
Consider hiring a financial planner to manage your portfolio.
4.3 Emergency Fund

Maintain a portion of your investment as liquid cash.
This helps cover unexpected expenses.
Final Insights

Given your plans to move abroad and manage investments from a distance, investing in real estate may not be the most practical option. Consider diversifying into actively managed mutual funds, diversified equity funds, and fixed income securities. These options offer flexibility and are easier to manage remotely. Regularly monitor and review your investments to ensure they align with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 04, 2024Hindi
Dear Sir, My daughter aged 32 have invested in ICICI India opportunities via SIP(5k) for last 4 years and Mirae tax saver saver funds. She is looking for more funds in her portfolio. Her horizon is 5-7 yrs. Kindly suggest few funds for her. Thank you. Her horizon is at least 5-7 years
Ans: Your daughter is 32 years old and has already made some sound investments. Given her 5-7 year investment horizon, we can diversify her portfolio further to maximize growth while managing risk.

Current Investments

ICICI India Opportunities via SIP (Rs 5,000 for the last 4 years)
Mirae Tax Saver Fund
Additional Fund Recommendations

1. Large Cap Funds

Large-cap funds invest in well-established companies with a strong market presence. These funds offer stability and steady returns over the long term.

2. Mid Cap Funds

Mid-cap funds invest in medium-sized companies with potential for high growth. These funds can provide substantial returns, albeit with higher risk than large-cap funds.

3. Flexi Cap Funds

Flexi cap funds offer flexibility by investing across large-cap, mid-cap, and small-cap stocks. They provide a balanced approach, leveraging opportunities across market segments.

4. Multi Cap Funds

Multi cap funds invest in a diversified portfolio across all market caps. These funds aim to balance risk and return, making them suitable for a medium-term horizon.

5. ELSS Funds

Equity Linked Savings Scheme (ELSS) funds provide tax benefits under Section 80C of the Income Tax Act. These funds have a lock-in period of three years and invest predominantly in equities.

6. Balanced Advantage Funds

Balanced advantage funds dynamically adjust the allocation between equity and debt based on market conditions. These funds help manage risk while seeking reasonable returns.

Investment Strategy

1. Diversification

Spread investments across different fund categories.
This reduces risk and enhances potential returns.
2. Consistent SIPs

Continue with existing SIPs.
Add new SIPs in the recommended funds.
Consistent investments benefit from rupee cost averaging.
3. Review and Rebalance

Review the portfolio annually.
Rebalance to maintain desired asset allocation.
Example Monthly Allocation

Large Cap Fund: Rs 5,000
Mid Cap Fund: Rs 3,000
Flexi Cap Fund: Rs 3,000
ELSS Fund: Rs 4,000
Total: Rs 15,000

Key Considerations

1. Investment Goals

Align investments with financial goals.
Prioritize tax-saving options like ELSS for tax efficiency.
2. Risk Tolerance

Assess risk tolerance before choosing funds.
Higher risk funds can offer higher returns but come with greater volatility.
3. Financial Advisor

Consider consulting a Certified Financial Planner for personalized advice.
A professional can help tailor the investment strategy to individual needs.
Final Insights

Investing in a diversified portfolio of mutual funds can help achieve financial goals. Regularly reviewing and rebalancing the portfolio ensures it stays aligned with changing market conditions and personal objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 09, 2024Hindi
I am 46years old, having monthly salary income of 2.45lakh per month and have a own house in Bangalore and no running EMIs. Having investment of 3lakh in PF, 3lakh in NPS, 10lakh of FD, 5lakh in LIC and 1.5cr in real estate and having a form land of 2acres in Mandya. Planning to retire at age of 60 and wanted a carpus of 5cr. Please give me some investment Ideas. Thanks,
Ans: You have a stable monthly income of Rs 2.45 lakh.

You own a house in Bangalore, debt-free.

Your current investments include:

Rs 3 lakh in Provident Fund (PF)
Rs 3 lakh in National Pension System (NPS)
Rs 10 lakh in Fixed Deposits (FD)
Rs 5 lakh in Life Insurance Corporation (LIC) policies
Rs 1.5 crore in real estate
2 acres of farmland in Mandya
Setting Retirement Goals
You plan to retire at 60 and aim for a corpus of Rs 5 crore.

This target is achievable with disciplined investments and proper asset allocation.

Investment Strategy
Diversified Portfolio
Diversification reduces risk and enhances returns. Consider spreading investments across different asset classes.

Mutual Funds
Equity Mutual Funds: Allocate a significant portion to equity mutual funds. They offer higher returns and help beat inflation.

Debt Mutual Funds: For stability and lower risk, invest in debt mutual funds. They provide steady returns and are less volatile.

SIPs (Systematic Investment Plans)
SIPs help in disciplined investing. Start or increase SIPs in equity and debt mutual funds.

National Pension System (NPS)
Continue investing in NPS. It offers tax benefits and helps build a retirement corpus.

Fixed Deposits (FD)
You already have Rs 10 lakh in FDs. These provide safety but lower returns. Consider moving some funds to higher-yield investments.

Life Insurance
LIC policies should be evaluated. If they are investment-cum-insurance policies, consider surrendering them. Reinvest the proceeds in mutual funds for better returns.

Tax Planning
Section 80C
Maximize benefits under Section 80C. Invest in ELSS (Equity Linked Savings Scheme) for tax savings and growth.

Section 80D
Take advantage of deductions for health insurance premiums. This ensures medical coverage and tax savings.

Building Emergency Fund
Maintain an emergency fund equivalent to 6-12 months of expenses. This ensures liquidity during unforeseen circumstances.

Estate Planning
Wills and Nomination
Ensure you have a valid will. Nominate beneficiaries for all your investments.

Regular Review
Annual Financial Review
Review your portfolio annually. Adjust investments based on performance and changing goals.

Final Insights
To achieve Rs 5 crore by retirement, diversify your investments. Focus on equity and debt mutual funds through SIPs. Evaluate and possibly surrender LIC policies for better investment options. Ensure tax planning and maintain an emergency fund. Regular reviews will keep your financial plan on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 09, 2024Hindi
Hello i am 42 year old. Earning 1.7L in hand per month. Invests 80k into mutual funds and do NPS 50k yearly and 1.5L into PPF. Have an emi of flat loan 17k per month, out of which 10k is rented income (7k is net damage). We are living in another own house. Wife is also working and her salary is suffi ient enough for monthly expenses and kid's education, and to fulfill her 80C investments. Have got 2 crore term inssurance for myself. Have approx 70L in FD. Want to know how much should be our retirement corpus to cover both. We live in small jaipur and have monthly expenses of approx 35k. Shall we invest further in purchasing land or keep increasing in mutual funds
Ans: Current Financial Snapshot

Age: 42 years
Monthly Income: Rs 1.7 lakh (in hand)
Monthly EMI: Rs 17,000 (net expense Rs 7,000 after rent)
Mutual Fund Investment: Rs 80,000 per month
NPS: Rs 50,000 annually
PPF: Rs 1.5 lakh annually
Term Insurance: Rs 2 crore
Fixed Deposits: Rs 70 lakh
Monthly Expenses: Rs 35,000
Wife's Income: Covers monthly expenses and 80C investments
Own House: Living in
Financial Goals

Retirement Corpus: Secure enough funds for retirement.
Investment Strategy: Optimize current investments for growth.
Step-by-Step Plan

1. Emergency Fund

Maintain at least 6 months of expenses in an easily accessible account.
Target: Rs 2.1 lakh (6 x Rs 35,000)
Ensure liquidity for unexpected needs.
2. Calculate Retirement Corpus

Expenses Estimation: Current monthly expenses of Rs 35,000.
Inflation Adjustment: Assuming 6% inflation rate for future expenses.
Retirement Period: Assume 25 years post-retirement.
Use an online retirement corpus calculator to get a precise figure. However, a rough estimate for a moderate lifestyle might be around Rs 3-4 crore.

3. Investment Strategy

Mutual Funds

Continue investing Rs 80,000 per month in mutual funds.
Diversify across large-cap, mid-cap, and multi-cap funds.
Review and rebalance your portfolio annually.
Public Provident Fund (PPF)

Continue the annual investment of Rs 1.5 lakh in PPF.
This ensures safe, tax-free returns.
National Pension System (NPS)

Contribute Rs 50,000 annually to NPS.
Choose an aggressive mix of equity and debt for higher returns.
Fixed Deposits

Consider moving some FDs to mutual funds for higher growth.
Keep some FDs for short-term goals and liquidity.
4. Avoid Real Estate Investments

Real estate can be illiquid and may not provide consistent returns.
Focus on increasing investments in mutual funds for better growth and liquidity.
5. Insurance

Ensure you have adequate health insurance coverage for the family.
Review your term insurance periodically to cover any gaps.
6. Retirement Planning Steps

Increase SIPs: Gradually increase your SIPs in mutual funds as your income grows.
Diversification: Maintain a diversified portfolio to spread risk.
Review Regularly: Check your investment portfolio annually and make necessary adjustments.
Tax Planning: Optimize investments to maximize tax benefits under sections like 80C, 80D, and 80CCD.
Example Monthly Allocation:

Mutual Funds: Rs 80,000
PPF: Rs 12,500 (monthly equivalent of Rs 1.5 lakh annually)
NPS: Rs 4,167 (monthly equivalent of Rs 50,000 annually)
Emergency Fund: Rs 5,000 (if not fully funded yet)
Final Insights

Building a robust retirement corpus requires disciplined investing and smart financial planning. Focus on maximizing your mutual fund investments, utilizing tax-saving options, and maintaining adequate insurance coverage. Regularly review your financial plan to stay on track and adjust as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 07, 2024Hindi
I am 38 yrs old earning 45000 a month. I have 1 lakh in saving account. Around 2.15 lac in two sukanya samman accounts of my two daughters. I have two lic plans in which I pay Rs 20000 as premium in an year. I took these plans in 2017. Want to live a simple and stable life after retirement at the age of 58 yrs. How should I plan for it?
Ans: Current Financial Snapshot

Age: 38 years
Monthly Income: Rs 45,000
Savings: Rs 1 lakh
Sukanya Samriddhi Accounts: Rs 2.15 lakh for two daughters
LIC Premium: Rs 20,000 annually (since 2017)
Financial Goals

Retirement at 58: 20 years to retirement.
Education and Marriage of Daughters: Financial planning for daughters’ future.
Step-by-Step Plan

1. Emergency Fund

Maintain at least 6 months of expenses in a savings account or liquid fund.
Target: Rs 2.7 lakh (6 x Rs 45,000)
You have Rs 1 lakh; add Rs 1.7 lakh over time.
2. Sukanya Samriddhi Accounts

Continue contributing to these accounts.
Offers good interest rates and tax benefits.
Ensure you maximize the yearly limit to benefit from tax savings under Section 80C.
3. LIC Policies

Evaluate the returns of your current LIC policies.
Consider if the returns are meeting your financial goals.
If they are underperforming, you may want to surrender and reinvest in better-performing options like mutual funds.
4. Monthly Savings Allocation

Emergency Fund: Start by saving Rs 5,000 per month until you reach the target.
SIP in Mutual Funds: Invest Rs 10,000 monthly in diversified equity mutual funds. Choose funds with a good track record and managed by reputed fund houses.
PPF: Contribute Rs 5,000 monthly to Public Provident Fund (PPF) for tax benefits and stable returns.
Retirement Fund: Consider investing Rs 5,000 monthly in National Pension System (NPS) for additional tax benefits under Section 80CCD(1B).
5. Education and Marriage Fund

Continue with Sukanya Samriddhi for daughters’ education and marriage.
Invest in mutual funds for long-term growth.
6. Health and Life Insurance

Ensure adequate health insurance coverage for the family.
Increase term insurance coverage if necessary.
7. Review and Adjust

Review your investments annually.
Adjust SIP amounts as your income increases.
Example Monthly Allocation:

Emergency Fund: Rs 5,000
SIP in Mutual Funds: Rs 10,000
PPF: Rs 5,000
NPS: Rs 5,000
LIC Premium: Rs 1,667 (monthly equivalent of Rs 20,000 annually)
Why Choose Mutual Funds

Professional Management: Expert fund managers handle investments.
Diversification: Spread across various sectors, reducing risk.
Flexibility: Easily adjust SIP amounts based on financial goals.
Higher Returns: Potential for better returns compared to traditional savings.
Final Insights

Building a stable financial future requires disciplined saving and smart investing. Focus on creating an emergency fund, maximizing tax-saving investments, and choosing high-growth mutual funds. Regularly review and adjust your financial plan to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

I have 4 lakhs corpus fund presently kindly suggest best mutual funds..
Ans: Investing a corpus of Rs. 4 lakhs in mutual funds can help you achieve significant growth. Diversifying your investments across different types of funds is essential for balancing risk and return. Here are some recommended options based on different investment horizons and risk appetites.

Large-Cap Equity Funds

Invests in well-established companies.

Lower risk compared to mid-cap and small-cap funds.


Large-Cap Funds:

Choose funds with a strong track record.

Look for consistent performance over the years.

Mid-Cap Equity Funds

Invests in emerging companies with high growth potential.

Higher returns compared to large-cap funds.


Mid-Cap Funds:

Opt for funds managed by experienced fund managers.

Check the fund’s performance in various market conditions.

Small-Cap Equity Funds

Invests in smaller companies with significant growth potential.

Higher returns with higher risk.


Small-Cap Funds:

Select funds with a proven track record.

Ensure the fund manager has expertise in small-cap investments.

Multi-Cap Equity Funds

Diversified across large-cap, mid-cap, and small-cap stocks.

Balanced risk and return.


Multi-Cap Funds:

Choose funds with a dynamic allocation strategy.

Look for consistent performance across different market cycles.

Hybrid Funds

Combines equity and debt for balanced risk and return.

Suitable for moderate risk appetite.


Aggressive Hybrid Funds:

Invest in funds with a mix of equity and debt.

Ensure the fund has a strong track record and dynamic asset allocation.

Debt Funds

Provides stable returns with lower risk.

Suitable for conservative investors.


Corporate Bond Funds:

Focus on high-rated corporate bonds for better yields.

Check the credit quality and consistency of returns.

Short Duration Funds:

Invest in debt securities with short maturity periods.

Ideal for a low-risk investment with steady returns.

Recommended Allocation

50% in Equity Funds:

Split between large-cap, mid-cap, and small-cap funds.

Balances high growth potential with risk management.

30% in Hybrid Funds:

Provides balanced exposure to both equity and debt.

Suitable for moderate risk tolerance.

20% in Debt Funds:

Ensures stability and steady returns.

Ideal for conservative investments.

Key Considerations
Risk Tolerance:

Assess your risk appetite before investing.

Choose funds that align with your risk tolerance.

Investment Horizon:

Longer horizons can afford higher risk for higher returns.

Shorter horizons require more conservative investments.

Regular Monitoring:

Review your investments periodically.

Make adjustments based on market conditions and personal goals.

Professional Guidance:

Consult a Certified Financial Planner for personalized advice.

Align your investments with your financial goals and risk profile.

Final Insights
Investing your Rs. 4 lakh corpus in a mix of equity, hybrid, and debt funds can help achieve balanced growth. Diversify your investments to manage risk and enhance returns. Regularly monitor your portfolio and seek professional guidance to ensure your investments align with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Should I invest in land ( plot) real istes by taking loan instead increases in SIP
Ans: Let's explore why investing in SIPs is more advantageous than investing in real estate by taking a loan.

Advantages of SIPs

Low Initial Investment: Start with as little as Rs 500 per month.

Professional Management: Actively managed funds by expert fund managers.

Rupee Cost Averaging: Mitigates market volatility by averaging the purchase cost.

High Liquidity: Easy to redeem investments without much hassle.

Tax Efficiency: Certain mutual funds offer tax benefits.

Disadvantages of Real Estate Investment

High Initial Cost: Requires significant capital upfront.

Loan Burden: Increases financial pressure with monthly EMIs.

Low Liquidity: Selling property can take considerable time.

Market Volatility: Property values can fluctuate, affecting returns.

Maintenance Costs: Ongoing expenses for property upkeep.

Why SIPs are Better

Lower Risk: Diversified across various sectors, reducing risk.

Ease of Investment: Simple to start, manage, and monitor.

Debt-Free: No borrowing, thus no additional financial burden.

Flexibility: Adjust SIP amounts according to your financial situation.

Compounding Benefits: Long-term investments grow significantly due to compounding.

Step-Up SIP Strategy

Annual Increase: Gradually increase your SIP amount each year.

Harness Compounding: Higher contributions grow faster over time.

Income Adjustment: As your income grows, so can your SIP investments.

Final Insights

SIPs offer a balanced, flexible, and low-risk investment option. They provide professional management, tax benefits, and ease of investment. Real estate, while a tangible asset, involves high costs, debt, and lower liquidity. By focusing on SIPs, you can build a robust financial future without the burdens associated with property investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 04, 2024Hindi
I am 35 year old ,I need a financial advice of Saving money in mutual fund for short and long term.i has a Term insurance from LIC jeevan anand for 15 lakh ( 21 years paying year ) monthly 38k since 2016 and also now two before started ICICI midsmall 400 ulip monthly 10k ,so please advise for investment at age of 48 need to get a good saving
Ans: You are 35 years old and seeking advice on saving money in mutual funds for both short and long term. Your current investments include:

LIC Jeevan Anand: Rs 15 lakh term insurance, monthly Rs 38,000, since 2016
ICICI MidSmall ULIP: Monthly Rs 10,000, started two years ago
You aim to have good savings by the age of 48.

Evaluating Your Current Investments
LIC Jeevan Anand
This is a traditional insurance plan offering a combination of savings and protection.

Benefits: Provides life cover and savings.
Drawbacks: Lower returns compared to mutual funds.
This is a unit-linked insurance plan with mid-small cap exposure.

Benefits: Market-linked returns with insurance cover.
Drawbacks: Higher charges and lower flexibility compared to mutual funds.
Suggested Improvements
Reviewing Current Insurance Policies
While LIC Jeevan Anand offers life cover, the returns are not as high as other investment options.

Surrender or Continue: Evaluate the surrender value and compare it with potential returns from mutual funds.
Considering Mutual Funds
Mutual funds offer higher returns and flexibility. Let's explore options for short and long-term investments.

Short-Term Investment Strategy
Liquid Funds
Liquid funds are ideal for short-term goals (1-3 years). They offer better returns than savings accounts and are easily accessible.

Invest in Liquid Funds: Allocate a portion of your savings for short-term goals.
Short-Term Debt Funds
Short-term debt funds provide stability and reasonable returns for a 3-5 year horizon.

Invest in Short-Term Debt Funds: Allocate funds for medium-term goals.
Long-Term Investment Strategy
Equity Mutual Funds
Equity mutual funds are suitable for long-term goals (5+ years). They offer high returns by investing in stocks.

Large-Cap Funds: Stable returns with lower risk.
Mid-Cap and Small-Cap Funds: Higher returns with moderate risk.
Balanced Funds
Balanced funds invest in both equity and debt, providing a mix of growth and stability.

Invest in Balanced Funds: Suitable for long-term goals with moderate risk appetite.
Systematic Investment Plan (SIP)
Investing through SIPs helps in averaging the cost and compounding returns over time.

Start SIPs: Allocate monthly amounts to various mutual funds based on your risk profile.
Portfolio Allocation
Short-Term Goals
Liquid Funds: Rs 10,000 monthly
Short-Term Debt Funds: Rs 5,000 monthly
Long-Term Goals
Large-Cap Equity Funds: Rs 10,000 monthly
Mid-Cap and Small-Cap Equity Funds: Rs 5,000 monthly
Balanced Funds: Rs 5,000 monthly
Regular Monitoring and Review
Review your portfolio regularly to ensure it aligns with your financial goals and market conditions.

Annual Reviews: Assess performance and adjust as needed.
Consult a Certified Financial Planner: For personalized advice and strategy adjustments.
Final Insights
To achieve your financial goals by the age of 48, consider reallocating your investments towards mutual funds for better returns. Liquid and short-term debt funds are ideal for short-term goals, while equity and balanced funds are suitable for long-term goals. Regularly review your portfolio and consult a Certified Financial Planner for personalized advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5043 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Hello Experts, I have a to invest a lump some amount of 10L for next 2years... Let me know the right investment platform... Thank you ????
Ans: Investing Rs. 10 lakh for a period of 2 years requires a careful approach. It's important to balance returns with safety and liquidity. Here are some recommended options.

Debt Mutual Funds

Lower risk compared to equity funds.

Suitable for short-term investment horizons.


Short Duration Funds:

Invest in funds that offer stability and consistent returns.

Ideal for a 2-year period.

Corporate Bond Funds:

Focus on high-rated corporate bonds.

Provides better returns with moderate risk.

Fixed Deposits (FDs)

Assured returns with minimal risk.

Suitable for conservative investors.


Bank Fixed Deposits:

Choose a reputed bank for better interest rates.

Ensure the FD term aligns with your 2-year investment horizon.

Corporate Fixed Deposits:

Opt for high-rated corporate FDs for slightly higher returns.

Check the credit rating and financial stability of the company.

Liquid Mutual Funds

High liquidity with low risk.

Better returns compared to savings accounts.


Liquid Funds:

Invest in funds that provide quick access to your money.

Suitable for managing short-term cash needs.

Ultra-Short Duration Funds

Invests in debt securities with very short maturity periods.

Lower interest rate risk.


Ultra-Short Duration Funds:

Focus on funds with a good track record.

Ideal for parking funds with better returns than savings accounts.

Recurring Deposits (RDs)

Regular savings with fixed returns.

Low risk investment option.


Bank Recurring Deposits:

Suitable for systematic savings over the 2-year period.

Ensure you choose a bank with competitive interest rates.

Diversified Portfolio

Spreads risk across multiple asset classes.

Enhances overall returns.


Combination of Debt and Liquid Funds:

Allocate funds between short duration, liquid, and ultra-short duration funds.

Balances risk and provides better returns.

Key Considerations
Risk Tolerance:

Low Risk: Opt for fixed deposits and ultra-short duration funds.

Moderate Risk: Consider short duration and corporate bond funds.

Liquidity Needs:

Ensure a portion of the investment remains easily accessible.

Liquid and ultra-short duration funds provide high liquidity.

Professional Guidance:

Consult a Certified Financial Planner for tailored advice.

Align investments with your financial goals and risk profile.

Final Insights
Investing Rs. 10 lakh for a 2-year period requires a balanced approach. Consider debt mutual funds, fixed deposits, liquid funds, and ultra-short duration funds. Diversify your investments to spread risk and enhance returns. Regularly monitor your portfolio and seek professional guidance for optimal results.

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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