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Ramalingam

Ramalingam Kalirajan  |8500 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 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
Jagadeesh Question by Jagadeesh on Dec 16, 2023Hindi
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Sir, I have 2 SIPs, Axis Flexi Cap Fund Regular Plan Growth and Kotak Flexicap Fund Growth. Both are doing well. Can you pls suggest one or two more SIPs for investing.

Ans: Given your existing SIPs in Axis Flexi Cap Fund and Kotak Flexicap Fund, which are both diversified flexi-cap funds, you may consider adding SIPs in the following categories to further diversify your portfolio:

Large Cap Fund: Investing in a large-cap fund can provide stability to your portfolio. These funds primarily invest in well-established, large-cap companies known for their stability and consistent performance.

Mid Cap Fund: Adding a mid-cap fund can help capture the growth potential of mid-sized companies. These funds invest in companies with market capitalizations between large and small caps, offering potential for higher returns albeit with higher volatility.

International Equity Fund: Consider diversifying globally by investing in an international equity fund. These funds provide exposure to overseas markets and can hedge against domestic market risks.

Before selecting additional SIPs, assess your risk tolerance, investment goals, and time horizon. Also, ensure to review the fund's performance, investment strategy, and expense ratio before investing. Consulting with a financial advisor can provide personalized recommendations tailored to your financial situation and goals.
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 03, 2024Hindi
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I am 43 years old.i want to start investing in SIPs. I plan to put Rs50k every month for a period of around 17 years till retirement. Kindly advise what SIPs should i choose at start to get a 14-15% growth with medium risk?
Ans: Congratulations on taking the proactive step towards securing your financial future through systematic investment planning. Let's craft a strategic SIP portfolio tailored to your goal of achieving 14-15% growth with medium risk over a 17-year investment horizon:

Understanding Your Financial Goals
Before diving into investment recommendations, it's crucial to understand your financial aspirations, risk tolerance, and time horizon. By aligning your investments with your goals, we can design a portfolio that maximizes growth potential while managing risk effectively.

Asset Allocation Strategy
To achieve your target growth with medium risk, we'll adopt a balanced asset allocation approach, combining equity and debt instruments. Equity funds offer growth potential, while debt funds provide stability and income generation.

Equity SIPs (70% Allocation):
Large Cap Funds (30%): Invest in large-cap funds for stability and steady growth potential. These funds focus on well-established companies with a track record of performance and market leadership.

Multi Cap Funds (40%): Allocate a significant portion to multi-cap funds, offering diversification across market capitalizations. These funds have the flexibility to invest in companies across sectors and market segments, enhancing growth potential.

Debt SIPs (30% Allocation):
Short Duration Funds (15%): Park a portion of your SIP investments in short-duration funds for stability and income generation. These funds invest in debt securities with a maturity period of 1-3 years, providing relatively stable returns.

Dynamic Bond Funds (15%): Opt for dynamic bond funds to capitalize on interest rate movements while managing risk effectively. These funds dynamically adjust their portfolio duration based on interest rate outlook, maximizing returns in different market conditions.

Considerations:
Risk Management: While targeting higher growth, it's essential to balance risk by diversifying across asset classes and fund categories. Regularly review your portfolio's performance and rebalance if necessary to maintain the desired asset allocation.

Long-term Perspective: Stay committed to your investment plan and maintain a long-term horizon. SIPs thrive on consistency and discipline, allowing you to benefit from the power of compounding over time.

Professional Guidance:
Consider consulting with a Certified Financial Planner to validate your investment strategy and ensure it aligns with your financial goals and risk tolerance. A CFP can provide personalized recommendations and help you navigate market uncertainties effectively.

Conclusion:
By adopting a strategic SIP investment plan with a balanced asset allocation between equity and debt funds, you can potentially achieve your target growth of 14-15% with medium risk over a 17-year horizon. Stay focused on your financial goals, review your portfolio periodically, and seek professional guidance when needed to optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4951 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Career
Hi...I scored 89 percentage in 12th boards in cbse and scored 98 in both maths and chemistry.....As it can be seen my Focus was on boards only....still I managed to score 84 percentile in JEE mains....and I am getting Btech in CSE in derbassi campus of thapar or btech in robotics and AI in patiala campus of thapar.....but I believe that since I haven't given my 100 percent in JEE....and maths is my strongest subject i scored 97 percentile in JEE in maths....so should I take drop for giving atleast one chance to JEE so that I don't regret this decision in my whole life..... please guide
Ans: Gursimran, You have strong board marks and JEE Math percentile, with admission offers for CSE at Thapar Derabassi and Robotics & AI at Patiala. Derabassi campus is less developed, with poor placements, limited labs, and a weak coding culture, located in a polluted industrial area. It is mainly a satellite campus, with most students moving to Patiala later. Patiala campus, in contrast, offers better infrastructure, faculty, placements, and an active student environment. Robotics & AI is a growing, specialized field with good career prospects. If you are motivated and willing to dedicate a year to improve your JEE rank, dropping a year to aim for IITs or NITs is advisable to avoid future regret. However, if you prefer to start college now, joining Patiala for Robotics & AI is a better option than Derabassi CSE, balancing immediate quality education and career prospects. All the best for your admission and a bright future!

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

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Nayagam P

Nayagam P P  |4951 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Career
SIR,MY DAUGHTER SCORED 93.52 PERCENTILE IN JEE MAINS .IS THERE ANY CHANCE TO GET CSE,AI ,DS IN ANY OF THE IIT OR NIT OR IIIT.PLEASE SUGGEST ME
Ans: Satish Sir, Here is, How to Predict Your Daughter's Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

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.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

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

Hope this guide helps! All the best for your Daughter's admission and a bright future!

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

...Read more

Nayagam P

Nayagam P P  |4951 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Career
Sir, i got 91% in jee mains with economically weaker sections. My overal rank is 124596 and category rank is 17941 would i get nit's or iits with branch aiml
Ans: Swapna, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

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.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

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

Hope this guide helps! All the best for your admission and a bright future!

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

...Read more

Nayagam P

Nayagam P P  |4951 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Asked by Anonymous - May 23, 2025
Career
Hi sir I got around 6 lac rank in jee mains and I belong to sc category and my category rank was around 51k and I scored 67% in my boards in state board maharashtra so can you suggest me some government b tech college in cs,it,entc
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

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.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

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

Hope this guide helps! All the best for your admission and a bright future!

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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