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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Aug 08, 2022

Mutual Fund Expert... more
Sagar Question by Sagar on Aug 08, 2022Hindi
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Money

I am 29 years of age and wish to start an SIP each in my wife's and my name for Rs 15,000 per month for the next 10-15 years.

The monthly amount may grow in future. Kindly suggest some good funds that can give me growth and at the same time ensure the safety of my investments.

Awaiting your earliest reply.

Ans: You may consider these funds:

  • HDFC Index Fund - Sensex Plan - Regular Plan - Growth 
  • Samco Flexi Cap Fund - Regular Plan - Growth 
  • UTI MNC Fund - Growth Plan 
  • Parag Parikh Flexi Cap Fund- Regular Plan Growth


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  |8092 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2024

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Money
Hi sir iam 36 yrs right now.i am planning to start sip of around 10000rs per month.please suggest some funds to invest
Ans: starting a SIP is a great decision. It's good to start early and stay consistent.

At 36, you have ample time to build a strong portfolio.

Importance of SIPs
Systematic Investment Plans (SIPs) are powerful.

They help you invest small amounts regularly and build wealth over time.

SIPs also bring discipline and mitigate market volatility.

Categories of Mutual Funds
Equity Mutual Funds
Equity funds invest in stocks.

They offer high growth potential but come with higher risk.

Ideal for long-term goals due to compounding.

Debt Mutual Funds
Debt funds invest in bonds and fixed-income securities.

They provide stable returns with lower risk.

Suitable for short to medium-term goals.

Hybrid Mutual Funds
Hybrid funds combine equity and debt.

They balance risk and reward.

Good for medium-term goals.

Evaluating Your Risk Appetite
Before choosing funds, assess your risk tolerance.

Higher risk can bring higher rewards but also higher losses.

Choose a mix of funds that match your comfort level.

Recommended Fund Types
Large Cap Funds
Large cap funds invest in large, established companies.

They are less volatile and provide stable returns.

Mid Cap Funds
Mid cap funds invest in medium-sized companies.

They offer higher growth potential with moderate risk.

Small Cap Funds
Small cap funds invest in small, emerging companies.

They are high-risk but can give high returns over the long term.

Multi Cap Funds
Multi cap funds invest across large, mid, and small cap stocks.

They offer diversification and balance risk and reward.

Balanced Advantage Funds
Balanced advantage funds adjust between equity and debt.

They provide stability and growth.

Suitable for moderate risk investors.

Steps to Start Your SIP
Define Your Goals

Identify your financial goals.

Is it retirement, children's education, or a big purchase?

Set Your Budget

You mentioned Rs. 10,000 per month.

Make sure it's affordable and sustainable.

Choose Fund Categories

Based on your risk appetite, select a mix of equity, debt, and hybrid funds.

Start Small and Increase Gradually

Begin with Rs. 10,000 and increase as your income grows.

Monitoring and Rebalancing
Regularly review your investments.

Rebalance your portfolio based on performance and market conditions.

This keeps your investments aligned with your goals.

Tax Implications
Understand the tax implications of your investments.

Equity funds held for over a year have lower tax rates.

Debt funds held for over three years benefit from indexation.

Final Insights
Starting a SIP is a smart move.

Your plan to invest Rs. 10,000 monthly is a great start.

Diversify across large cap, mid cap, small cap, and balanced funds.

Monitor and rebalance regularly to stay on track.

With consistency and smart choices, you’ll achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4313 Answers  |Ask -

Career Counsellor - Answered on Mar 10, 2025

Asked by Anonymous - Mar 10, 2025Hindi
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Career
Mere beta ka jee mains 95 hai Nit mil jayega kya Ews cote se
Ans: Here is, 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 was declared, many students and JEE applicants started 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 (Convert percentile into Rank withe help of a formula available in Google).
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 Option also 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 admissions!

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

...Read more

Nayagam P

Nayagam P P  |4313 Answers  |Ask -

Career Counsellor - Answered on Mar 10, 2025

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Career
I've got 92 percentile in B.ARCH JEE MAINS paper 2A OBC-NCL will I get the good college like nit with this percentile.
Ans: Tanishq, Here is, 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 was declared, many students and JEE applicants started 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 (Convert percentile into Rank withe help of a formula available in Google).
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 Option also 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 admissions!

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

...Read more

Ravi

Ravi Mittal  |545 Answers  |Ask -

Dating, Relationships Expert - Answered on Mar 10, 2025

Asked by Anonymous - Mar 08, 2025Hindi
Listen
Relationship
I have been in relationship with my boyfriend for the past 11 months..and its gonna be a year in this April.I love him so much that I am in a point that I can't let him leave me nor I can leave him.He gives me the support and love I always wished for.There is nothing more than him that I want in my life.But the issue is with my past. When he proposed me itself, I told the harsh truth about my past relationship,that I am not virgin like him and I got pregnant with my ex .And since he is virgin he can't accept the fact that I lost my virginity.In the beginning of the relationship he has told me if he is virgin, he wants his girl also to be virgin.If he was not a virgin then this won't be a problem for him. He can't understand nor he can't accept that I lost my virginity and got pregnant.There is a twist to this story also.In the beginning I told him that I have got pregnant in my past, but after that I told him I am not sure because my test results I saw was negative. I am not sure whether I got pregnant or not, my doctor is telling me its all my hallucinations.I have been dealing with anxiety since 7 years and I am having treatment.My padt is not affecting me now but it is affecting him making him overthink a lot and I can't see him suffer like this.Before I came to his life,he was telling his family that he don't want marriage and he will be single for life.I know that my past is not smthg that every boy can accept.But he told me that he can't accept my past ever in this life nor he can't stop overthinking about it.And because of this he wants to leave me even though he loves me.He literally told me that he can fight for me and be in a relationship with me but with the condition that I have to see him suffer.I told him to see my doctor who can better explain my past to him.But it's been months I have been telling him this and still now he didn't took an effort to see my doc.I can't even imagine spending a moment of my life with him.I found my home in him.But my concern is that is he loving me like I do.If he loves me that much he will stick on to that one reason to be with me and he is not doing.Other than the fact that he can't accept my past and it is making him suffer,everything between us is good.Should we consult a relationship expert.He told me that it is better to end this now rather than getting married in future and face problems because of this and fighting with each other and finally getting a divorce.He might be correct if this issue is not resolved now,it might create problems in the longrun.But the thing is I can't change my past and whatever happened to me was not my fault.My past has become a curse in my current relationship.I can assure that my past will not create any issue in our marriage if he can accept it somehow and not overthink about it.If we continue this relationship he have to live with the overthinking about my past for my happiness.Otherwise also if we both breakup I will suffer more because of it and he too will also suffer because he left me.He is telling that the problem is with him that he can't accept my past.What should I do to fix this problem and make him accept my past and understand my love for him?
Ans: Dear Anonymous,
I am really sorry that you are in such a tricky situation. It looks like you already know that your past is not your fault, so I don't have to remind you of that. I just want you to keep reminding yourself the same thing whenever you feel the doubts creeping in. Now, coming to your partner- though it is a little unfair that he is judging you by your past, it would also be unfair to him because he clearly mentioned that he wants someone like himself; someone without any intimate experience. I cannot explain to you why that is important to so many people, but since he has been upfront about his preference, I think it is only fair to let him decide what he wants with this relationship. Also, if he is convinced that this past thing will cause problems in the future, it really isn't the best decision to move on with the relationship like everything is okay. Accept that things are not alright, and give him the space to cool down. Do not try to convince him to get back together- I know it will be hard but it is extremely important for both your futures. If he comes back, then great. If he doesn't, you should know that it's for the best.
I know you think your life will be messed up without him, and you will forever be sad, but you are wrong. It won't. Great things will happen to you because you deserve them all.
Best Wishes.

...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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