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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 25, 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 - Jun 17, 2024Hindi
Money

Hi sir, I am 29 years old and having 3 months old kid, working in IT earning 90k monthly and I have NPS of 5k. I have a personal loan of 14L and I pay 30k loan for it and monthly expenses is about 40k. I invest in mutual fund 15k. I am planning to have Corpus of 10cr in my 50s..can you help me to plan sir.

Ans: You're doing a great job balancing work and finances at 29, especially with a 3-month-old child. You're earning Rs. 90,000 per month, contributing Rs. 5,000 to NPS, and investing Rs. 15,000 in mutual funds. You also have a personal loan of Rs. 14 lakh with an EMI of Rs. 30,000 and monthly expenses of Rs. 40,000.

Understanding Your Financial Goals
You aim to build a corpus of Rs. 10 crore by your 50s. This goal is ambitious but achievable with disciplined saving and smart investing. Let's break down your current situation and outline a plan to help you reach this goal.

Creating a Strong Financial Foundation
Emergency Fund
Before diving deeper into investments, establish an emergency fund. Save 6-12 months' worth of expenses in a liquid, easily accessible account. This fund acts as a safety net for unforeseen events and provides financial stability.

Paying Off Debt
Your personal loan of Rs. 14 lakh with a monthly EMI of Rs. 30,000 is significant. Paying off this debt should be a priority. Focus on repaying high-interest loans first to reduce the financial burden and free up more money for investments.

Investing in Mutual Funds
Diversifying Your Portfolio
Investing Rs. 15,000 per month in mutual funds is a good start. Consider diversifying your portfolio across different types of mutual funds to spread risk and increase potential returns. Here’s a suggested allocation:

Large-Cap Funds: 30% of your investment
Mid-Cap Funds: 30% of your investment
Small-Cap Funds: 20% of your investment
Flexi-Cap Funds: 20% of your investment
Benefits of Actively Managed Funds
Actively managed funds have the potential to outperform the market indices. Fund managers actively select stocks that can offer better returns. This approach can be more beneficial than investing in index funds, which simply track market indices.

National Pension System (NPS)
Enhancing Your NPS Contribution
Currently, you're contributing Rs. 5,000 per month to NPS. Consider increasing this contribution over time. NPS offers tax benefits and is a good long-term investment for retirement planning. The additional tax benefits under Section 80CCD(1B) can also help reduce your taxable income.

Exploring Other Investment Options
Equity-Linked Savings Scheme (ELSS)
ELSS funds offer tax benefits under Section 80C and have a lock-in period of three years. They invest primarily in equities and can provide good returns. Allocating a portion of your savings to ELSS can help you save on taxes and grow your wealth.

Public Provident Fund (PPF)
PPF is a safe investment option with tax-free returns. It has a 15-year lock-in period, making it suitable for long-term goals. Consider investing in PPF to balance the risk in your portfolio and ensure steady returns.

Systematic Investment Plans (SIPs)
Consistent Investing
Continue your SIPs in mutual funds. SIPs allow you to invest a fixed amount regularly, which helps in averaging the purchase cost and reducing the impact of market volatility. Increasing your SIP amount as your income grows can significantly boost your corpus over time.

Avoiding High-Risk Investments
Caution with Direct Stock Trading
While direct stock trading can offer high returns, it comes with significant risks. Unless you have in-depth market knowledge and time to monitor stocks, it's better to stick with mutual funds. Professional fund managers have the expertise to make informed decisions and manage risks effectively.

Financial Discipline and Budgeting
Maintaining a Budget
Keep a detailed record of your income and expenses. A budget helps you identify unnecessary expenses and allows you to allocate more towards savings and investments. Financial discipline is crucial in achieving your long-term goals.

Regular Savings
Apart from investments, ensure you save a portion of your income regularly. Set aside at least 20-30% of your income for savings and investments. Automating your savings can help maintain consistency and discipline.

Tax Planning
Maximizing Tax Benefits
Utilize tax-saving instruments like NPS, ELSS, and PPF to reduce your taxable income. Efficient tax planning can help increase your investable surplus, enabling you to invest more towards your financial goals.

Reviewing and Rebalancing Your Portfolio
Regular Monitoring
Review your investment portfolio at least once a year. This helps you assess the performance of your investments and make necessary adjustments. Rebalancing your portfolio ensures it remains aligned with your risk tolerance and financial goals.

Planning for Child’s Future
Education and Other Expenses
Start a dedicated investment plan for your child’s education and future needs. Consider child-specific mutual funds or PPF for these goals. Investing early ensures you have a substantial corpus when required.

Insurance and Protection
Health and Life Insurance
Ensure you have adequate health insurance for your family to cover medical emergencies. Additionally, a term life insurance policy is crucial to protect your family’s financial future in case of any unforeseen events. Insurance acts as a safety net and prevents your investments from being used for emergencies.

Long-Term Wealth Creation
Compounding and Time
The power of compounding works best over a long period. By starting early and investing consistently, your money grows exponentially. The longer you stay invested, the more your wealth grows.

Staying Invested
Market fluctuations are normal. Avoid the temptation to withdraw your investments during market downturns. Staying invested through ups and downs helps in realizing the full potential of your investments.

Final Insights
Achieving a corpus of Rs. 10 crore by your 50s is ambitious but attainable with disciplined saving and strategic investing. Prioritize paying off your personal loan, build an emergency fund, and ensure adequate insurance coverage. Continue with your mutual fund SIPs and diversify your portfolio. Increase your NPS contributions and consider tax-saving instruments like ELSS and PPF. Regularly review and rebalance your portfolio, maintain financial discipline, and stay invested for the long term. This holistic approach will help you reach your financial goals and secure a prosperous future for your family.

Best regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
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  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2024

Asked by Anonymous - May 27, 2024Hindi
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Money
Iam 40 yrs, My Net salary per month is 2,10000 , and Home loan Emi's total is 87k, My monthly savings towards SIP is 7.5k. Could you please advice me on creating corpus for retirement and child education planning for 2 kids 11 yrs son and 3 yrs daughter.
Ans: Understanding Your Financial Situation
You have a monthly net salary of Rs. 2,10,000, with home loan EMIs totaling Rs. 87,000. Your current SIP investment is Rs. 7,500 monthly. Your goal is to create a corpus for retirement and child education planning. You have two children: an 11-year-old son and a 3-year-old daughter. Let's discuss strategies to achieve your goals.

Evaluating Current Savings and Expenses
You are already saving Rs. 7,500 per month through SIPs, which is a positive step towards building your financial future. Considering your home loan EMIs, your net disposable income after loan repayment is Rs. 1,23,000. It is essential to manage this amount efficiently to meet your retirement and children's education goals.

Retirement Planning
Retirement planning requires a systematic and disciplined approach. You need to estimate the corpus required to maintain your lifestyle post-retirement. Assume retirement age as 60 and plan for at least 20-25 years post-retirement. Factor in inflation, healthcare costs, and lifestyle changes. Based on these considerations, let's create a step-by-step plan.

Assess Your Retirement Needs: Determine the monthly expenses you will need post-retirement. Consider inflation and increasing healthcare costs.

Current Savings Evaluation: Assess your current savings and investments. Include provident fund, gratuity, and any other retirement benefits you might receive.

Investment Strategy: Increase your SIP contributions gradually. Diversify your investments across equity, debt, and hybrid funds. Equity funds provide higher returns, while debt funds offer stability.

Regular Monitoring: Periodically review and rebalance your portfolio. Adjust investments based on market conditions and life changes.

Child Education Planning
Planning for your children's education is crucial. The costs of education are rising, and starting early will help you build a sufficient corpus. Here's how you can approach it:

Estimate Education Costs: Calculate the future cost of education for both children. Consider higher education costs and inflation rates.

Separate Education Fund: Create a dedicated education fund for each child. Start SIPs in mutual funds that align with the education timeline.

Investment Choices: For long-term goals, equity mutual funds are ideal. For medium-term goals, consider a mix of equity and debt funds.

Insurance Coverage: Ensure you have adequate life and health insurance coverage. This secures your children's future in case of any unforeseen events.

Budgeting and Saving More
Increasing your monthly savings will significantly impact your retirement and education corpus. Here are some tips to enhance your savings:

Expense Management: Track and manage your monthly expenses. Identify non-essential expenditures and reduce them.

Increase SIP Contributions: Gradually increase your SIP investments as your income grows. Even small increments can make a big difference over time.

Bonus and Windfalls: Use bonuses, increments, or any windfall gains to invest in your SIPs or other long-term investment options.

Role of Certified Financial Planner
A Certified Financial Planner (CFP) can provide professional guidance tailored to your specific needs. They can help you create a comprehensive financial plan, select suitable investment options, and monitor your progress. Regular consultations with a CFP ensure you stay on track to meet your financial goals.

Benefits of Actively Managed Funds
Actively managed funds offer several advantages over index funds. Fund managers actively make investment decisions to outperform the market. These funds can adapt to market changes and capitalize on opportunities, potentially providing higher returns. By investing through a Mutual Fund Distributor (MFD) with CFP credentials, you gain access to professional advice and expertise, ensuring better fund selection and management.

Avoiding Real Estate and Annuities
Real estate can be an illiquid and high-maintenance investment. Instead, focus on financial assets like mutual funds, which offer liquidity, diversification, and professional management. Annuities are generally inflexible and come with high fees. Mutual funds provide more flexibility and potential for growth.

Conclusion
You are on the right path with your current SIP investments. By increasing your savings, managing expenses, and choosing the right investment options, you can achieve your retirement and child education goals. Regularly consult with a Certified Financial Planner to ensure your financial plan stays on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 26, 2024

Money
Hello Sir , I am 42 years old . I have one child 3 years old. I have invested in Max Life High Growth fund of one lakh per year which is 5 years now . Amount reflecting is 10 lakhs today. 5 years more to go for completion. I have my own house 62 lakhs just purchased . No loans . I recently purchased one more ulip policy midcap momentum 150 max life yearly one lakh for 10 years.I have invested in 3 Bhk apartment amount 1.7 cr which I will complete payment in next year. I earn around 36 to 40 lakhs per year. At present the expense is 50 thousand per month. How much amount should I invest yearly and where to develop a corpus of 5 cr at the age of 60 after deduction for one .child education. Thanks
Ans: First, let's understand your financial situation. You're 42, have a 3-year-old child, and a substantial annual income of Rs 36-40 lakhs. Your expenses are Rs 50,000 per month. You own a house worth Rs 62 lakhs and a 3BHK apartment for Rs 1.7 crores. No loans exist, and you’ve invested in ULIPs.

Compliments and Understanding
It's commendable that you've built a solid financial base and are debt-free. Your foresight in investing for the future is impressive. Let's plan for a corpus of Rs 5 crore by age 60, covering your child's education expenses too.

Evaluating Your Current Investments
Max Life High Growth Fund
You’ve invested Rs 1 lakh per year in Max Life High Growth Fund for 5 years. It's now worth Rs 10 lakhs. This ULIP has 5 more years to go. Evaluating ULIPs for high charges and lower flexibility, consider other options for higher returns.

New ULIP Policy
You recently bought another ULIP policy (Midcap Momentum 150, Max Life) with Rs 1 lakh annually for 10 years. ULIPs have mixed reviews due to their high charges and lower liquidity compared to mutual funds.

Real Estate Investments
Owning a house and a 3BHK apartment indicates a strong asset base. However, real estate might not yield high liquidity or returns compared to other investments. We'll focus on diversifying your portfolio further.

Creating a Financial Plan
Defining Financial Goals
Your primary goal is accumulating Rs 5 crore by age 60. Secondary goals include funding your child’s education. Let's outline steps to achieve these objectives.

Diversification Strategy
Diversification is key to managing risk and maximizing returns. We'll explore various investment options, ensuring a balanced portfolio.

Mutual Funds: A Preferred Investment Avenue
Equity Mutual Funds
Equity mutual funds offer high growth potential, suitable for long-term wealth accumulation. They invest in stocks, providing inflation-beating returns.

Debt Mutual Funds
Debt mutual funds are less risky, providing stable returns. They invest in fixed-income securities like bonds. They suit investors seeking steady income with lower risk.

Hybrid Mutual Funds
Hybrid funds balance risk and return by investing in both equities and debt. They offer a diversified approach, suitable for moderate risk-takers.

Benefits of Regular Funds
Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential provides personalized advice. MFDs help choose funds aligning with your goals and offer ongoing portfolio management.

Systematic Investment Plan (SIP)
Regular Investments
Investing through SIPs in mutual funds is beneficial. It ensures disciplined investing and rupee cost averaging, reducing the impact of market volatility.

Calculating SIP Amount
To accumulate Rs 5 crore by age 60, we need to determine the annual investment amount. Given your financial situation, a significant portion of your income can be allocated towards SIPs in equity and hybrid funds.

Public Provident Fund (PPF)
Long-Term Savings
PPF is a government-backed savings scheme offering attractive interest rates and tax benefits under Section 80C. It suits risk-averse investors seeking assured returns.

PPF Strategy
Investing a portion of your savings in PPF can provide a secure and stable return, balancing the overall risk of your portfolio.

National Pension System (NPS)
Retirement Planning
NPS is a government-sponsored pension scheme offering diversified investments in equities, corporate bonds, and government securities. It provides tax benefits and helps build a retirement corpus.

NPS Contributions
Allocating funds to NPS ensures a steady income post-retirement. It complements other investments, ensuring financial security in later years.

Gold: A Traditional and Reliable Asset
Gold ETFs and Sovereign Gold Bonds
Investing in Gold ETFs and Sovereign Gold Bonds offers benefits of gold without storage hassles. Sovereign Gold Bonds also provide periodic interest, enhancing returns.

Health and Term Insurance
Health Insurance
Comprehensive health insurance is crucial to cover medical expenses, protecting your savings and ensuring quality healthcare.

Term Insurance
Term insurance provides high life cover at low premiums. It ensures financial security for your family in case of your untimely demise. Choose a plan with adequate coverage.

Reviewing and Adjusting Investments
Regular Portfolio Review
Regularly reviewing your investment portfolio ensures it aligns with your goals. Make necessary adjustments based on market conditions and personal circumstances.

Avoiding Emotional Investing
Stick to your financial plan and avoid making investment decisions based on emotions. Make informed decisions and seek professional advice when needed.

Benefits of Actively Managed Funds
Professional Management
Actively managed funds are managed by professional fund managers. They conduct extensive research and make informed investment decisions, aiming to outperform the market.

Potential for Higher Returns
Actively managed funds have the potential to deliver higher returns compared to index funds. Fund managers can take advantage of market opportunities and mitigate risks through active management.

Flexibility
Actively managed funds offer flexibility in investment strategies. Fund managers can adjust the portfolio based on market conditions and economic trends, enhancing performance.

Disadvantages of Index Funds
Lack of Flexibility
Index funds are passively managed and track a specific index. They lack flexibility to adjust to market conditions, which can limit returns.

Potential Underperformance
Index funds may underperform actively managed funds during market downturns. They cannot capitalize on market opportunities or mitigate risks effectively.

Limited Scope
Index funds have limited scope for diversification. They invest in a fixed set of securities, which might not align with your investment goals and risk tolerance.

Final Insights
Achieving a corpus of Rs 5 crore by age 60 requires disciplined investing and strategic planning. Diversifying your investments across mutual funds, PPF, NPS, and gold ensures a balanced and robust portfolio. Engaging a Certified Financial Planner ensures personalized advice and disciplined investing, helping you achieve long-term financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

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

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Hi I am 36 years old. My monthly income is 80K. I am investing 10000 in PPFCF, 3000 in ICICI psu fund, 2000 in Mirae asset flexi fund & 9000 in RD monthly. My monthly expenses are 50K. I want to build a corpus of 3 Cr by the age of 45 yrs. can you pls review my investments & suggest a plan to reach my goal
Ans: Current Financial Overview
Age: 36 years
Monthly Income: Rs 80,000
Monthly Expenses: Rs 50,000
Current Investments:
Parag Parikh Flexi Cap Fund (PPFCF): Rs 10,000 per month
ICICI PSU Fund: Rs 3,000 per month
Mirae Asset Flexi Cap Fund: Rs 2,000 per month
Recurring Deposit (RD): Rs 9,000 per month
Financial Goal
Goal: Build a corpus of Rs 3 Crores by the age of 45 (9 years from now)
Investment Review
Parag Parikh Flexi Cap Fund (PPFCF)

This fund is known for its good performance and diversification. Continue investing here.
ICICI PSU Fund

PSU funds are sector-specific and can be volatile. Consider reducing exposure to sector-specific funds.
Mirae Asset Flexi Cap Fund

This is another good diversified equity fund. Continue investing here.
Recurring Deposit (RD)

RDs are safe but offer lower returns. Consider redirecting this amount to higher return investments.
Suggested Investment Plan
To achieve your goal of Rs 3 Crores in 9 years, you need a focused and aggressive investment strategy. Here's a revised plan:

Increase Equity Exposure
Equity mutual funds offer higher returns over the long term. Allocate more towards diversified equity funds:

Parag Parikh Flexi Cap Fund: Increase to Rs 15,000 per month.
Mirae Asset Flexi Cap Fund: Increase to Rs 5,000 per month.
Multi Cap Fund: Start with Rs 5,000 per month.
Mid Cap Fund: Start with Rs 5,000 per month for higher growth potential.
Balanced Funds
Balanced funds or hybrid funds provide a mix of equity and debt, offering moderate returns with lower risk:

Balanced Advantage Fund: Start with Rs 5,000 per month.
Reduce Sector-Specific Exposure
ICICI PSU Fund: Reduce or stop investment in this fund. Redirect this amount to diversified or balanced funds.
Systematic Investment Plan (SIP)
SIP in Mutual Funds: Set up SIPs in the suggested funds to ensure disciplined investing.
Debt and Liquid Investments
Recurring Deposit (RD): Consider reducing RD contributions. Redirect Rs 4,000 from RD to equity funds. Keep Rs 5,000 in RD for safety and liquidity.
Emergency Fund
Maintain an emergency fund equivalent to 6 months of expenses (Rs 3 Lakhs) in a high-interest savings account or liquid fund.
Additional Investments
If possible, increase your total monthly investment to Rs 35,000. This will help you reach your goal faster.
Monitoring and Adjusting
Regular Review: Review your portfolio every 6 months. Make adjustments based on market conditions and fund performance.
Rebalancing: Rebalance your portfolio annually to maintain the desired asset allocation.
Tax Efficiency
Tax Planning: Use tax-efficient investment options to minimize tax liability. Consider ELSS funds for tax-saving under Section 80C.
Final Insights
Consistency is Key: Stay consistent with your investments. Avoid making changes based on short-term market movements.
Professional Guidance: Consult a Certified Financial Planner for personalized advice and to ensure your investment strategy aligns with your goals.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 24, 2024Hindi
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Hi sir Im 42 yrs having salary of 19LPA. home loan of 90L, gold loan of 30L... im investing 3600 pm in sip, 60k in NPS every year, rentaln income of 60k pm. How should i plan for 1.5cr corpus at 58yrs
Ans: Assessment of Current Financial Situation

Your annual salary is Rs. 19 lakh. You have a home loan of Rs. 90 lakh and a gold loan of Rs. 30 lakh. You invest Rs. 3,600 per month in SIPs and Rs. 60,000 annually in NPS. Your rental income of Rs. 60,000 per month adds substantial passive income.

Debt Management Strategy

Prioritize repaying your high-interest gold loan. It has a shorter tenure and higher interest rate compared to a home loan. Allocate any surplus income towards prepaying this loan.

Enhancing SIP Investments

Your current SIP investment of Rs. 3,600 per month is a good start. Increase your SIP contributions gradually. Aim to invest at least 20% of your monthly income in SIPs. This will help you build a substantial corpus over time.

Avoid direct funds. Regular funds through a Mutual Fund Distributor with CFP credentials offer professional management and advice. Actively managed funds can outperform index funds, providing better returns.

National Pension System (NPS)

Continue with your Rs. 60,000 annual investment in NPS. It offers tax benefits and a disciplined retirement savings approach. Consider increasing this amount if possible. This will add to your retirement corpus efficiently.

Utilizing Rental Income

Your rental income of Rs. 60,000 per month is a significant addition. Utilize a portion of this income to increase your SIP investments. This will help you achieve your retirement goal faster.

Emergency Fund Creation

Establish an emergency fund. It should cover 6-12 months of expenses. This ensures liquidity in times of need. Avoid using your investment or retirement savings for emergencies.

Regular Portfolio Review and Rebalance

Regularly review your investment portfolio. Rebalance your investments based on market conditions and your goals. This ensures your portfolio stays aligned with your objectives.

Life Insurance and Risk Management

Ensure you have adequate life insurance coverage. Consider a term insurance policy for higher coverage at a lower premium. Review your existing policies and adjust if necessary.

Tax Planning and Efficiency

Efficient tax planning enhances your returns. Invest in tax-saving instruments under Section 80C. Ensure your investments are tax-efficient to maximize returns.

Final Insights

You have a strong financial foundation. Focus on increasing your SIP investments and efficiently managing your debt. Utilize your rental income wisely and continue with your disciplined NPS contributions. Regular portfolio reviews and professional advice will keep you on track. With consistent efforts, you can achieve your goal of a Rs. 1.5 crore corpus by 58 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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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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