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Ramalingam

Ramalingam Kalirajan  |8078 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Apr 18, 2024Hindi
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Hi sir, I'm 25y old. I've started investing on May 2022 in mutual funds through SIP for long term 25-30years. Right now I've 45k of invested amount in MF Portfolio. I've emergency fund in FD of 60k and I've health and term insurance for me and family. My MF portfolio: Parag Parikh flexi cap - 2.5k Nippon small cap - 2k Axis bluechip - 1k Navi nifty50 index fund -500 And I'm planning to add zerodha largemidcap 250 index fund. Can you please review my portfolio and any suggestions on changes?

Ans: You've made a solid start by investing in mutual funds through SIPs at a young age with a long-term horizon. Your financial planning approach, including having an emergency fund and insurance coverage, is commendable. Let's review your MF portfolio:

Diversification: Your portfolio consists of flexi cap, small cap, bluechip, and index funds, providing a good mix across market caps and investment styles.
Flexi Cap: Parag Parikh flexi cap fund offers flexibility across market caps and geographies, suitable for long-term growth.
Small Cap: Nippon small cap fund provides exposure to smaller companies with high growth potential, though small caps can be more volatile.
Large Cap: Axis bluechip and Navi nifty50 index fund focus on established large-cap companies, offering stability and growth potential.
Index Fund: Zerodha largemidcap 250 index fund aims to replicate the performance of the top 250 companies by market cap, providing diversification across large and mid-cap segments.
Suggestions:

Continue SIPs: Continue with your SIPs to benefit from rupee cost averaging and the power of compounding over the long term.
Review and Rebalance: Periodically review your portfolio to rebalance if any fund deviates significantly from its intended allocation.
Asset Allocation: As you add more funds, consider maintaining a balanced asset allocation based on your risk tolerance. Ensure you're not overly concentrated in one segment.
Monitor Performance: Keep an eye on the performance of your funds. If any fund consistently underperforms its benchmark or peers, consider re-evaluating its place in your portfolio.
Emergency Fund: Ensure your emergency fund remains intact and consider increasing it over time to cover 3-6 months of living expenses.
Professional Advice: Given your long-term investment horizon, consider consulting a certified financial planner to fine-tune your investment strategy, align it with your goals, and ensure optimal diversification.
Overall, your portfolio is off to a good start. With disciplined investing and periodic reviews, you're on track for long-term wealth creation. Keep up the good work!
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |8078 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Hello Madam, please review & advise on my mutual fund portfolio. SIP of 5000 each in UTI Nifty 50 index fund, Parag Parikh flexicap, Quant flexi cap & 3000 each in ICICI Midcap 150 index fund & Kotak large 7 midcap fund. All Started since 4 months, current age 42 & can do SIP for 2-3 years & plan to keep the accumulated amount as it is for next 5 years. I have some investments in equity shares(25%), SGB(25%) & FD's(50%) as well. Expecting to retire in next 6-7 years. Thanks
Ans: It's great to see you diversifying your investments through mutual funds. Let's review your portfolio and provide some guidance.

Starting with your SIPs, investing 5000 each in UTI Nifty 50 index fund, Parag Parikh flexicap, and Quant flexi cap offers a balanced approach across different market segments. These funds provide exposure to large-cap, flexi-cap, and multi-cap segments, respectively, allowing for diversification and potential growth opportunities.

Adding 3000 each in ICICI Midcap 150 index fund and Kotak large & midcap fund introduces exposure to mid-cap stocks, which have the potential for higher growth but also come with increased risk. Given your investment horizon of 2-3 years for SIPs and plans to keep the accumulated amount for the next 5 years, it's essential to monitor these funds closely, considering the market conditions and fund performance.

It's commendable that you have investments in equity shares, Sovereign Gold Bonds (SGBs), and fixed deposits (FDs) as well. This diversification helps spread risk and aligns with your retirement goals.

Considering your current age of 42 and the plan to retire in the next 6-7 years, it's crucial to regularly review and rebalance your portfolio to ensure it remains aligned with your financial objectives and risk tolerance.

As you approach retirement, consider gradually shifting your portfolio towards more conservative investments to protect your capital and generate stable income streams.

Overall, your mutual fund portfolio seems well-diversified, considering your investment horizon and retirement goals. However, it's advisable to periodically reassess your portfolio and make adjustments as needed based on changing market conditions and personal circumstances.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8078 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Hello Sir, please review & advise on my mutual fund portfolio. SIP of 5000 each in UTI Nifty 50 index fund, Parag Parikh flexicap, Quant flexi cap & 3000 each in ICICI Midcap 150 index fund & Kotak large & midcap fund. All Started since 4 months, current age 42 & can do SIP for 2-3 years & plan to keep the accumulated amount as it is for next 5 years. I have some investments in equity shares(25%), SGB(25%) & FD's(50%) as well. Expecting to retire in next 6-7 years. Thanks
Ans: It's commendable that you're actively managing your mutual fund portfolio to align with your financial goals, especially with retirement on the horizon. Your diversified approach across various mutual fund categories reflects a well-thought-out strategy.

Starting SIPs in UTI Nifty 50 index fund, Parag Parikh flexicap, Quant flexi cap, ICICI Midcap 150 index fund, and Kotak large & midcap fund indicates a mix of passive and active strategies catering to different market segments. This diversification can potentially help mitigate risk while optimizing returns over time.

Given your investment horizon of 2-3 years for SIPs and a plan to hold the accumulated amount for the next 5 years, it's crucial to regularly review your portfolio's performance and make adjustments as needed. Additionally, ensure that your overall asset allocation remains in line with your risk tolerance and retirement timeline.

Considering your existing investments in equity shares, SGBs, and FDs, maintain a balanced allocation that aligns with your retirement goals and risk appetite. Consulting with a Certified Financial Planner can provide personalized guidance and ensure your investment strategy remains on track towards achieving your retirement objectives. Keep up the proactive approach, and with disciplined investing and periodic reassessment, you're on the right path towards a secure retirement.

..Read more

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Nayagam P

Nayagam P P  |4275 Answers  |Ask -

Career Counsellor - Answered on Mar 06, 2025

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My son is completing 12th. He is interested in Graphics design. What are the options in this field to study?
Ans: Pradeep Sir, Graphic design offers numerous career opportunities in advertising, branding, publishing, digital media, gaming, and animation. A Bachelor's Degree in Design (B.Des) in Graphic Design or Communication Design is a 4-year degree that provides in-depth knowledge of graphic design, typography, branding, and digital design. Top colleges offering B.Des include National Institute of Design (NID), MIT Institute of Design, Symbiosis Institute of Design, Srishti Institute of Art, Design and Technology, UPES School of Design, and Anant National University. A Bachelor's Degree in Fine Arts (BFA) in Applied Arts or Graphic Design is a 3-4 year course focusing on artistic skills along with graphic design. Diploma courses in Graphic Design are also available, such as MAAC, Arena Animation, Pearl Academy, and National Institute of Fashion Technology. Online graphic design courses can be a flexible option for flexibility. After completing studies, graphic designers can work in advertising agencies, branding and marketing firms, digital media and social media companies, e-commerce and IT companies, publishing and print media, gaming and animation (2D graphic designer), and freelance. IMPORTANT NOTE: As already March has started, it is advisable to apply for 3-4 entrance exams of concerned Colleges and also UCEED, NID-DAT, SEED, MIT-DAT, SEAT, NIFT, Pearl Academy etc. If your son wants to study in top government institutes, he should prepare for UCEED or NID DAT.
If he prefers top private design colleges, exams like SEED, MIT DAT, SEAT, UPES DAT, and Pearl Academy are good choices.
If he is open to fine arts-based programs, NIFT and BFA Applied Arts exams (like MH-AAC CET for J.J. Institute of Applied Art, Mumbai) are also good options. All the best for your Son's admissions, Pradeep Sir!

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Nayagam P

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Career Counsellor - Answered on Mar 06, 2025

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My daughter is in 12th and she wants to pursue design as her career not the fashion and interior one but on the IT side. Does this career option have a good career prospects. What are the good colleges where she can do her bachelor degree from which has good placements.
Ans: Tarunima Madam, It's great that your daughter is interested in pursuing a design career in the IT field.

The IT field, also known as UI/UX Design, Interaction Design, or Digital Product Design, offers excellent career prospects due to the growing demand for user-friendly digital products. Companies are actively seeking skilled designers who can create intuitive and aesthetically pleasing digital interfaces. The demand for UX/UI designers, product designers, and interaction designers is growing globally, with diverse opportunities in tech companies, startups, e-commerce platforms, banking & fintech, healthcare, and gaming. Top UI/UX designers in India and abroad earn competitive salaries, with entry-level packages ranging between ?6-12 LPA in top companies. This field also allows for freelance work and global job opportunities.

The demand for innovative designers will continue to grow with the rise of AI, AR/VR, and Web3 technologies. Top institutes in India for UI/UX & Interaction Design include the National Institute of Design (NID), Indian Institute of Technology (IIT), IIT Guwahati, IIT Jabalpur, MIT Institute of Design, Sristi Institute of Art, Design and Technology, UPES, ISDI, Symbiosis Institute of Design, and Anant National University.

If you can afford and if your daughter is interested in studying abroad, globally renowned schools for UI/UX design include Carnegie Mellon University, Rhode Island School of Design, Parsons School of Design, Royal College of Art, University of Arts London, and TU Delft. Pursuing a career in IT-related design is a smart choice with excellent career growth. All the best for your daughter's admissions!

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Nayagam P

Nayagam P P  |4275 Answers  |Ask -

Career Counsellor - Answered on Mar 06, 2025

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My son secure 97.03 percentile in jee main session 1 in general category can he get CSE in any NIT
Ans: Shashi Sir,

How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

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...Read more

Nayagam P

Nayagam P P  |4275 Answers  |Ask -

Career Counsellor - Answered on Mar 06, 2025

Asked by Anonymous - Mar 05, 2025Hindi
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Career
My son has got 99.6 percentile in JEE mains 2025 jan . What should be the possible options and priority of sequence ?
Ans: How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your son's admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...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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