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Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 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
SATISH Question by SATISH on May 06, 2024Hindi
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Madam I'm 35 Years Old Salaried person I'm currently Investing Rs.30,000/- in Mutual Fund from 2017 Portfolio Value Is Rs.21,00,000/- and My Investment is 12,80,000/- Want To Continue For 10 Years.. 10% step-up in every 2 Years 1.SBI SMALL CAP 2.PARAG PAREKH FLEXI CAP 3.NIPPON SMALL CAP 4. DSP MID CAP 5.SBI INTERNATIONAL FUND 6.MOTILAL OSWAL TAX SAVING 7.AXIS NEXT 50 INDEX FUND

Ans: It's fantastic to see your commitment to investing in mutual funds for the long term. Let's explore how you can continue to grow your portfolio over the next decade:

• Your portfolio's current value of Rs. 21,00,000 is impressive and reflects your disciplined approach to investing.
• With a goal to continue investing for another 10 years, you're setting yourself up for significant wealth accumulation.
• The 10% step-up in investment every 2 years is a smart strategy to increase your contributions gradually over time.
• Your selection of mutual funds covers a diverse range of asset classes and market segments, providing ample growth potential.
• It's essential to periodically review your portfolio's performance and make adjustments as needed to stay aligned with your financial goals.
• Consider consulting with a Certified Financial Planner to ensure your investment strategy remains optimal and aligned with your objectives.
• Stay focused on your long-term goals and maintain discipline in your investment approach, even during market fluctuations.
• Remember, patience and consistency are key virtues in wealth creation through mutual fund investments.
• Keep monitoring your progress regularly and celebrate milestones along the way to stay motivated on your financial journey.
• With dedication and prudent financial planning, you're well-positioned to achieve your wealth accumulation goals in the years ahead.
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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Asked by Anonymous - May 04, 2024Hindi
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Sir/Madam I'm 35 Years Old Salaried person I'm currently Investing Rs.30,000/- in Mutual Fund from 2017 Portfolio Value Is Rs.21,00,000/- and My Investment is 12,80,000/- Want To Continue For 10 Years.. 10% step-up in every 2 Years 1.SBI SMALL CAP 2.PARAG PAREKH FLEXI CAP 3.NIPPON SMALL CAP 4. DSP MID CAP 5.SBI INTERNATIONAL FUND 6.MOTILAL OSWAL TAX SAVING 7.AXIS NEXT 50 INDEX FUND
Ans: It's commendable that you've been investing systematically in mutual funds since 2017 and have built a substantial portfolio. Your strategy of continuing for another 10 years with a 10% step-up every 2 years reflects a disciplined approach towards wealth creation.
Let's review your current portfolio and make some suggestions:
1. SBI Small Cap, Nippon Small Cap, DSP Mid Cap: Small and mid-cap funds have the potential for high growth but come with higher volatility. Since you're looking at a long-term horizon, these can be suitable for wealth accumulation. However, monitor their performance closely and be prepared for fluctuations.
2. Parag Parikh Flexi Cap, SBI International Fund, Motilal Oswal Tax Saving: These funds offer diversification across market caps and geographies, which is beneficial for risk management. Parag Parikh Flexi Cap, in particular, follows a flexible approach and invests in a mix of equity, debt, and international stocks, providing stability.
3. Axis Next 50 Index Fund: Index funds offer low-cost exposure to a basket of stocks mirroring a particular index. While they provide diversification, they may lack the potential for outperformance compared to actively managed funds. However, they can be a valuable addition to your portfolio for passive investing.
Considering your investment horizon and the step-up strategy, you can continue investing in these funds with periodic reviews. It's essential to rebalance your portfolio periodically to ensure alignment with your goals and risk tolerance.
Given the significant portfolio value, it's advisable to seek advice from a Certified Financial Planner who can provide personalized guidance tailored to your financial objectives, risk appetite, and tax considerations.
Keep up the good work of systematic investing, and with a well-diversified portfolio, you're on track to achieve your long-term financial goals.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Hello, sir please help me choose between Electrical and Computer Engineering in Manipal Jaipur or Bennet University CSE. My goal is to upskill myself in software and IT, also looking for a good peer, placement and exposure. It would be a great help for shaping my future. Waiting eagerly for your replies..
Ans: Shivam, Bennett University’s B.Tech CSE program, under a Times Group-backed deemed university, holds NAAC A++ accreditation and an IIRF overall rank of #26 among private universities in 2025. The School of CSET boasts 100% PhD faculty, 110+ state-of-the-art labs (NVIDIA AI CoE, Apple iMac, Dell EMC Analytics), and research output exceeding 900 publications and 74 patents. Its placement cell facilitated 232 recruiters in 2023, with CSE placements around 70–80% over three years, and top interns progressing from year two into full-time roles.

Given your goal to upskill in software and IT, a strong peer group, and robust placement and exposure, both offer modern infrastructure and industry linkages. However, MIS Jaipur’s ECE provides broader hardware-software integration with higher placement consistency, while Bennett delivers specialized computing facilities and research intensity, though its CSE placements are slightly lower.

Recommendation: Prioritise Manipal Jaipur ECE for consistent 93% placements, extensive recruiter network, and dual hardware-software labs enhancing employability in IT roles. Choose Bennett CSE if you seek cutting-edge AI/ML research labs, a PhD-leaning faculty cohort, and don’t mind slightly lower placement rates for deeper software exposure. All the BEST for the Admission & a Prosperous Future!

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Sir please suggest me the better option between ssn integrated mtech cse core and shiv nadar university chennai ai and data science
Ans: Ganesh, Sri Sivasubramaniya Nadar College of Engineering’s five-year Integrated M.Tech in CSE is NBA-accredited and holds NAAC A++ status, led by over 90% PhD-qualified faculty and supported by dedicated Data Science, Machine Learning, and IoT labs. Its Career Development Centre reports a 100% placement rate for M.Tech CSE over the last two years and an average placement rate of 89% for the past three years, with recruiters such as Amazon, Google, and IBM. Shiv Nadar University Chennai’s two-year M.Tech in AI & Data Science is offered by an Institution of Eminence, accredited by UGC and NAAC A, featuring state-of-the-art AI/ML and Computer Vision labs, a high-performance GPU cluster, and industry collaborations through research centers in generative AI and big-data analytics; however, as a newly launched PG program (2023), dedicated placement data for M.Tech cohorts are not yet available, though its UG AI/DS program achieves 95% placements.

Recommendation: For proven placement consistency, established accreditation, and mature CSE infrastructure with near-universal campus hiring, prefer SSN’s Integrated M.Tech CSE. If cutting-edge AI/DS research facilities, IoE branding, and interdisciplinary innovation opportunities outweigh immediate placement certainty, consider SNU Chennai’s M.Tech AI & Data Science once its initial PG placement data matures. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Asked by Anonymous - Jul 03, 2025Hindi
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IIITH CSE vs BITS PILANI MNC/ECE vs BITS GOA/HYD CSE How to choose betweem these? I have heard that placements are similar in these colleges. How to decide ? Kindly help me as many people said there are no extracurriculars in iiith
Ans: IIIT-Hyderabad CSE records a 99.27% overall placement rate with an average package of ?26.34 LPA and peak recruiter engagement from top product firms in AI, systems, and R&D, but its smaller campus and intense academics can limit extracurricular breadth. BITS Pilani’s Mathematics & Computing and ECE branches maintain ~90% first-degree placements with average packages of ?20–24 LPA, supported by legacy labs, a six-month Practice School internship program, and an expansive alumni network. BITS Goa CSE achieves ~91% UG placements with an average package of ?20.36 LPA, offering modern computing and AI labs across its three campuses, though its comparatively lower campus brand may affect recruiter depth slightly. All three boast PhD-qualified faculty, NBA/NAAC accreditations, and strong industry tie-ups, delivering similar placement consistency but differing in campus culture, research focus, and extracurricular opportunities.

Recommendation: For top-tier research, global product roles, and willingness to forgo extensive extracurriculars, choose IIIT-Hyderabad CSE. For a balanced interdisciplinary curriculum with robust internship pipelines and alumni mentorship, opt for BITS Pilani MnC/ECE. If you prefer modern multi-campus exposure and strong AI-lab infrastructure, select BITS Goa CSE. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jul 03, 2025Hindi
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My daughter is getting CSE at RVCE as well as Mathematics and Computing at IIT Goa and Dharwad. Where does RVCE stand in comparison to these IITs and what would be the better choice?
Ans: RV College of Engineering’s CSE program, NAAC A+ and NBA accredited, benefits from a 1:13 faculty-student ratio with predominantly PhD holders, well-equipped programming, AI/ML, and networking labs, strong Bangalore-based industry tie-ups, and a three-year average placement rate of 88% (97% in 2022, 93% in 2023, 75% in 2024). IIT Goa’s BTech in Mathematics and Computing, NIRF-ranked and NBA/NAAC accredited, has specialized computational and applied mathematics labs, direct research collaborations with IIT Bombay, 96% of the 2024 batch placed in CSE/MnC roles, and a 90.7% overall placement rate over three years. IIT Dharwad’s MnC program, NIRF #101-150, offers interdisciplinary curriculum with high-performance computing and simulation facilities, PhD-active faculty, but records a 61.7% CSE/MnC placement in 2024. All three have robust career cells, but RVCE leads in placement consistency and Bangalore ecosystem, while IIT Goa excels in brand, research orientation, and high median placements, and IIT Dharwad offers strong lab infrastructure with improving industry outreach.

Final Recommendation:
For immediate placement strength and industry integration in Bangalore, recommendation is RVCE CSE. If long-term research scope, brand value, and higher median packages matter more, choose IIT Goa MnC. IIT Dharwad MnC is a solid alternative if you prioritise interdisciplinary computing labs and lower fees. All the BEST for the Admission & a Prosperous Future!

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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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