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Ramalingam Kalirajan  |9755 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 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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I am 23 years old now earning 25k how and in which should i start investing as a beginner ?

Ans: It's fantastic that you're thinking about investing at such a young age. Here's a beginner-friendly guide to get you started:

Emergency Fund: Before you begin investing, ensure you have an emergency fund in place to cover unexpected expenses. Aim to save at least 3 to 6 months' worth of living expenses in a high-yield savings account.
Start Small: Since you're just starting, it's okay to begin with small amounts. Consider setting aside a portion of your income, such as 10-20%, for investing each month.
Understand Your Goals: Determine your financial goals, whether it's saving for a house, retirement, or travel. Your goals will help you decide where to invest and how much risk you can take.
Explore Investment Options: As a beginner, you can start with low-cost investment options like mutual funds or exchange-traded funds (ETFs). These allow you to invest in a diversified portfolio without needing a large amount of money.
Consider SIPs: Systematic Investment Plans (SIPs) are a popular way to invest in mutual funds regularly. You can start with SIPs that match your risk tolerance and investment goals.
Educate Yourself: Take the time to learn about different investment options, risk management, and personal finance concepts. There are plenty of resources available online, including books, articles, and courses.
Seek Professional Advice: If you're unsure about where to start, consider consulting with a Certified Financial Planner. They can help you create a personalized investment plan based on your financial situation and goals.
Remember, investing is a long-term journey, and it's essential to stay patient and disciplined. Start early, stay consistent, and you'll be on your way to building wealth for the future. Good luck!
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  |9755 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - Apr 08, 2024Hindi
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Hello I am 26 years old and my salary is 80k. How should I start investment
Ans: Congratulations on taking the first step towards securing your financial future! At 26, with a salary of 80k, you're in a prime position to kickstart your investment journey. Let's delve into the key strategies and considerations to craft a robust investment plan tailored to your goals.

Understanding Your Financial Goals

Before diving into investments, it's crucial to clarify your financial objectives. Whether it's saving for a house, funding higher education, or retiring comfortably, defining your goals will shape your investment approach.

Assessing Risk Tolerance and Time Horizon

Every investor has a unique risk tolerance and time horizon. Understanding how much risk you're comfortable with and when you'll need access to your funds is paramount in determining the appropriate investment mix.

Diversification: The Cornerstone of Investing

Diversification spreads your investments across different asset classes to mitigate risk. By not putting all your eggs in one basket, you safeguard your portfolio against the volatility of any single investment.

Active vs. Passive Investing: Choosing the Right Approach

While passive investing through index funds or ETFs has gained popularity for its low fees and broad market exposure, it's essential to recognize the limitations. Actively managed funds offer the potential for higher returns through skilled fund managers' strategic decisions.

The Pitfalls of Direct Funds and the Merits of Regular Funds via MFD

Direct funds may seem enticing due to lower expense ratios, but they lack the personalized guidance of a Certified Financial Planner. Investing through a Mutual Fund Distributor (MFD) with CFP credentials ensures expert advice tailored to your financial goals, enhancing the effectiveness of your investment strategy.

Embracing a Long-Term Mindset

Investing is a marathon, not a sprint. Staying focused on your long-term objectives and avoiding impulsive decisions during market fluctuations is key to achieving financial success.

Building a Tax-Efficient Portfolio

Minimizing tax implications is integral to maximizing returns. Utilize tax-efficient investment vehicles such as Equity Linked Saving Schemes (ELSS) and Public Provident Fund (PPF) to optimize your portfolio's tax efficiency.

Regular Portfolio Review and Rebalancing

Periodically reviewing your portfolio's performance and rebalancing asset allocations ensures alignment with your evolving financial goals and risk tolerance.

Seeking Professional Guidance

Navigating the complexities of the financial market can be daunting. Partnering with a Certified Financial Planner provides invaluable expertise and personalized guidance to steer your investment journey towards success.

Investing wisely today lays the foundation for a prosperous tomorrow. By incorporating these strategies and staying committed to your financial goals, you're well on your way to achieving financial freedom.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9755 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 10, 2024Hindi
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I am 26 and have started earning recently. My salary is 1 lakh per month excluding rent. Where should I invest to gain maximum returns and at what proportions?
Ans: Navigating Your Path to Financial Growth: Insights for a Young Investor
Welcome to the world of financial independence! Your proactive approach to investing at 26 demonstrates foresight and a commitment to securing your financial future. Let's explore strategic investment avenues and allocation proportions to maximize returns and foster long-term wealth creation.

Embracing Strategic Investment Avenues:
Before diving into specific investment options, let's lay the groundwork by understanding the key principles of effective wealth-building:

Principle 1: Diversification:
Diversification is the cornerstone of a robust investment strategy. By spreading your investments across different asset classes, you mitigate risk and optimize returns.

Principle 2: Time Horizon:
As a young investor, you have the advantage of time on your side. Embrace a long-term investment horizon to leverage the power of compounding and ride out market fluctuations.

Principle 3: Risk Tolerance:
Assess your risk tolerance and align your investment decisions accordingly. Balancing risk and reward is essential for achieving optimal returns while preserving capital.

Crafting Your Investment Portfolio:
Based on these principles, consider the following allocation proportions for your investment portfolio:

Equities (60%):

Equities offer the potential for significant long-term growth. Allocate a substantial portion of your portfolio to diversified equity funds or individual stocks, leveraging opportunities in both domestic and international markets.
Debt Instruments (30%):

Debt instruments provide stability and income generation. Invest in fixed-income securities such as bonds, fixed deposits, or debt mutual funds to balance the risk of equity investments.
Alternative Investments (10%):

Explore alternative investment avenues such as real estate investment trusts (REITs), gold, or peer-to-peer lending platforms to further diversify your portfolio and hedge against market volatility.
Commitment to Continuous Learning:
As you embark on your investment journey, remember that learning is a lifelong process. Stay informed about market trends, economic indicators, and investment strategies to make informed decisions and adapt to changing circumstances.

Embracing Financial Freedom:
By embracing strategic investment principles and crafting a well-diversified portfolio, you pave the way for financial freedom and abundance in the years to come. Your proactive approach to wealth-building sets the stage for a future filled with opportunities and possibilities.

Conclusion: Cultivating Wealth with Purpose
In conclusion, by adopting a balanced investment approach and adhering to key principles of diversification, time horizon, and risk tolerance, you position yourself for long-term financial growth and prosperity. Embrace the journey ahead with confidence and a commitment to realizing your financial aspirations.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9755 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 02, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Money
Hi Im a 18 year old & i want to start investing but I do not havd much idea about it. I plan to invest around 50k , how shall i invest & where?
Ans: It's great that you're thinking about investing at such a young age. Let's break down the key points to get you started on your investment journey in a simple and straightforward way.

Understanding Your Starting Point
Firstly, it's commendable that you're considering investing at 18. This is the perfect time to start. Investing early gives you the benefit of time, allowing your investments to grow and compound. Starting with Rs 50,000 is a good beginning, and you can build on it as you learn more.

Importance of Financial Goals
Before jumping into the "where" and "how" of investing, it's essential to understand "why" you're investing. Your goals can shape how you invest. Are you looking to save for higher education, buy a vehicle, travel, or simply grow your wealth? Knowing your goals can guide your investment choices and time horizon.

Risk Tolerance and Investment Horizon
At 18, you have the advantage of a long investment horizon. This allows you to take on more risk compared to someone closer to retirement. However, understanding your risk tolerance is crucial. Are you comfortable with the ups and downs of the market, or do you prefer stability? Your risk tolerance will determine the kind of investments suitable for you.

Basics of Diversification
Diversification is a key principle in investing. It means spreading your investments across different assets to reduce risk. By not putting all your money into one investment, you protect yourself from potential losses. A diversified portfolio typically performs better in the long run.

Exploring Different Investment Options
Now, let's talk about where to invest your Rs 50,000. Here are some avenues you can consider:

Mutual Funds: A Good Starting Point
Mutual funds pool money from many investors to invest in stocks, bonds, or other assets. They are managed by professional fund managers who make decisions on behalf of investors.

Advantages of Mutual Funds:

Professional Management: Experienced fund managers handle your investments.
Diversification: Funds typically invest in a variety of assets.
Accessibility: You can start with a small amount and invest regularly.
Disadvantages of Direct Funds:

Direct funds might seem appealing as they have lower costs. However, without the guidance of a Certified Financial Planner (CFP), you might not make the best decisions. Regular funds, managed by a CFP, offer professional advice that can enhance your returns and align investments with your goals.

Actively Managed Funds vs. Index Funds
You might have heard of index funds. These funds track a market index, like the Nifty 50, and are passively managed. While they have lower fees, they also have some drawbacks:

Less Flexibility: Index funds can’t adjust to market changes as they strictly follow the index.
No Expert Guidance: They lack the active decision-making of a fund manager, which might miss opportunities or risks.
On the other hand, actively managed funds involve a team making decisions to outperform the market. They adapt to market conditions, potentially offering better returns despite higher fees.

Public Provident Fund (PPF): Safe and Reliable
The Public Provident Fund is a government-backed savings scheme offering tax benefits. It’s a long-term investment option with a lock-in period of 15 years, suitable for risk-averse investors looking for a secure, stable return.

Advantages:

Tax Benefits: Contributions and returns are tax-free.
Safety: Government guarantees ensure your investment is secure.
Regular Returns: Fixed interest rate provides predictable growth.
Fixed Deposits: Simple and Secure
Fixed deposits (FDs) are another low-risk investment. You deposit money for a fixed period and earn interest. While they don't offer high returns, they are stable and secure.

Advantages:

Security: Your principal is protected.
Predictable Returns: Fixed interest rates give certainty.
Stocks: High Risk, High Reward
Investing in individual stocks can offer significant returns but comes with higher risks. As a beginner, this might be more challenging and requires in-depth research and understanding.

Advantages:

Potential for High Returns: Stocks can provide substantial growth.
Ownership: You own a piece of the company.
Disadvantages:

Volatility: Stock prices can fluctuate significantly.
Research Intensive: Requires time and knowledge to pick the right stocks.
Debt Instruments: Lower Risk, Stable Returns
Debt instruments like bonds and government securities offer lower risk and provide regular interest payments. They are suitable for those who prefer stability over high returns.

Advantages:

Lower Risk: Generally safer than equities.
Regular Income: Bonds pay periodic interest.
Gold: A Traditional Choice
Gold is often seen as a safe-haven asset. While it's not a growth asset, it can provide stability in times of economic uncertainty. Investing in gold can be done through physical purchase, gold ETFs, or sovereign gold bonds.

Advantages:

Stability: Holds value during market downturns.
Hedge Against Inflation: Maintains purchasing power over time.
Balancing Risk and Reward
Given your age and the ability to take on more risk, you might lean towards a balanced approach. A mix of equity (stocks and equity mutual funds) and debt (PPF, FDs) can offer growth potential while maintaining some stability.

The Role of a Certified Financial Planner
A Certified Financial Planner (CFP) can provide invaluable guidance. They can help tailor an investment strategy based on your goals, risk tolerance, and financial situation. Their expertise ensures your investments align with your long-term objectives, providing peace of mind.

Avoiding Common Investment Pitfalls
As you start your investment journey, be mindful of common mistakes:

Chasing Quick Returns: Investing is a marathon, not a sprint. Avoid schemes promising high returns quickly.
Lack of Research: Always understand where you’re putting your money.
Ignoring Costs: Be aware of fees and charges, as they can impact your returns.
Setting Up a Systematic Investment Plan (SIP)
Consider starting a SIP with mutual funds. It allows you to invest a fixed amount regularly, taking advantage of rupee cost averaging. This approach reduces the impact of market volatility and builds a disciplined investment habit.

Monitoring and Reviewing Your Investments
Investing isn’t a one-time activity. Regularly review and monitor your investments to ensure they align with your goals. Adjustments might be necessary as your life circumstances and market conditions change.

Embracing Financial Education
Continuous learning is crucial in investing. Read books, follow financial news, and consider online courses to enhance your understanding. Being well-informed helps you make better decisions and feel more confident about your investments.

Final Insights
Starting your investment journey at 18 with Rs 50,000 is a fantastic decision. You have the gift of time, and with careful planning and education, you can build a solid financial foundation. Diversify your investments, seek professional guidance, and stay committed to your goals. The road to financial independence begins with small steps, and you’re already on the right path.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9755 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 25, 2024

Asked by Anonymous - Jun 20, 2024Hindi
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Hi, I'm 24 years old and earning ?25,000 per month. Could anyone please provide some investment suggestions?
Ans: Starting to invest at 24 is a smart move. Let's explore some investment suggestions tailored to your current financial situation and future goals.

Assessing Your Current Financial Position
Income and Expenses
You earn Rs. 25,000 per month. It's crucial to manage expenses within this income while setting aside savings for investments.

Savings and Emergency Fund
Ensure you have an emergency fund covering at least 3-6 months of living expenses. This fund acts as a safety net during unexpected financial situations.

Investment Suggestions for Long-Term Growth
Systematic Investment Plan (SIP) in Mutual Funds
Mutual funds offer a diversified investment option managed by professionals. SIPs allow you to invest small amounts regularly.

Benefits of SIPs: They average out market fluctuations, potentially providing better returns over the long term.
Avoiding Index Funds: Unlike index funds, actively managed funds offer potential for higher returns through skilled fund management.
Equity Mutual Funds
Consider equity mutual funds for higher growth potential over the long term. These funds invest in stocks and have varying levels of risk.

Diversification: Spread investments across large-cap, mid-cap, and small-cap funds for balanced risk.
Professional Management: Fund managers actively choose stocks, aiming to outperform the market.
Public Provident Fund (PPF)
PPF is a government-backed long-term investment with tax benefits. It's suitable for conservative investors looking for stable returns.

Lock-in Period: Funds are locked for 15 years, providing disciplined savings and tax benefits.
Interest Rates: Interest rates are competitive and often higher than bank savings.
Debt Mutual Funds
Debt mutual funds invest in fixed-income securities like bonds and treasury bills. They offer stable returns with lower risk compared to equity funds.

Risk Profile: Suitable for conservative investors or those looking to balance their portfolio with fixed-income options.
Liquidity: Generally more liquid than PPF and offer potential for better returns than traditional bank deposits.
Direct Equity Investment
Investing directly in stocks requires research and understanding of the market. It offers potential for high returns but comes with higher risk.

Long-Term Perspective: Invest in fundamentally strong companies for wealth creation over the long term.
Risk Management: Diversify your stock portfolio across sectors to reduce risk.
Insurance and Retirement Planning
Term Insurance
As a young earner, secure your family's financial future with term insurance. It provides a high coverage amount at a lower premium compared to other insurance products.

Financial Protection: Cover outstanding loans and ensure financial stability for dependents.
Review Existing Policies: Evaluate existing policies and consider surrendering low-return policies for better investment opportunities.
Retirement Planning
Start planning for retirement early to benefit from the power of compounding. Consider retirement-focused mutual funds or retirement plans offered by mutual fund houses.

Long-Term Investments: Allocate a portion of savings towards retirement funds for wealth accumulation.
Regular Review: Periodically review investments to align with changing financial goals and market conditions.
Creating Additional Income Streams
Skill Development and Side Income
Invest in enhancing skills or starting a side business to generate additional income. This can supplement your regular earnings and boost savings for investments.

Utilize Technology: Explore online platforms for freelance work or selling products/services.
Financial Goals: Allocate additional income towards investments or building emergency funds.
Final Insights
Investing at a young age provides ample time to harness the benefits of compounding and mitigate financial risks. By diversifying investments across mutual funds, PPF, and exploring direct equity, you can achieve long-term financial goals effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |8907 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Career
Hi. My son is getting VJTI B Tech IT and also BITS Hyderabad campus MSc Chem + B Tech (Dual Degree) What choice should we go for ?
Ans: VJTI Mumbai’s B.Tech in Information Technology operates within a historic, NAAC A-accredited government institute, supported by experienced faculty, modern software and networking labs, an 82 percent overall placement rate (85 percent for IT) over the past three years and strong industry partnerships with leading IT firms. It requires 10+2 with PCM and English and selection via MHT-CET cutoff and counselling. In contrast, BITS Hyderabad’s five-year Integrated M.Sc.(Hons.) in Chemistry + B.E. programme admits students through BITSAT (75 percent aggregate in 10+2 and minimum 60 percent in PCM), immerses them in advanced chemistry and engineering curricula, and allows conversion to the dual degree after the first year based on top-tier CGPA performance; Group C admits may pursue any dual degree within specified limits. Graduates benefit from practice school training, interdisciplinary research projects and placement consistency around 80 percent in chemical and engineering streams. Risks include rigorous workload during dual-degree years, competitive CGPA criteria for continuation and potential difficulty shifting back if performance thresholds are not met.

Recommendation:
For a clear, focused start in a high-placement IT domain with defined eligibility and minimal academic risk, choose VJTI B.Tech IT. Opt for BITS Hyderabad M.Sc. Chemistry + B.Tech if your son seeks a research-integrated, multidisciplinary pathway and excels under high academic rigor with dual-degree ambitions. All the BEST for Admission & a Prosperous Future!

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Archana

Archana Deshpande  |114 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Jul 16, 2025

Asked by Anonymous - Jul 02, 2025Hindi
Career
I have recently been promoted from a software engineer to a team lead, but I feel underprepared to lead people. I struggle with delegation, giving feedback, and handling team conflict. Since I've always been in a technical role, this people-facing responsibility feels overwhelming. How can I build leadership presence, develop emotional intelligence, and manage teams effectively while still learning the ropes?
Ans: Hi!!
First and foremost… congratulations you are the team lead now! The top management has seen the spark of a leader in you and chosen you to lead, it is now your turn to see yourself as a leader!

Don’t beat yourself up so much, you are new to this… it will take come time for you to learn the ropes of leadership! Ideally you should have been trained for role and then they should have given you the responsibility.

All your struggles of leading, delegating, giving feedback, managing conflict are learnable skills!
Developing leadership presence requires time and efforts. You need to master your Visual presence, your Vocal and Verbal communication and so much more!
I have tailor-made solutions to all that you want to learn under the umbrella of Leadership skills!
It can’t be taught by answering your question here in a few sentences!
Let’s help you be the leader you want to be!!
Learning leadership presence, develop emotional intelligence, mange conflict and your team effectively will require you to spend time and energy on learning these skills so that, you be that leader, who people will look up to!!

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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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