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Ramalingam

Ramalingam Kalirajan  |8511 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 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 - Jan 28, 2024Hindi
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I am 32 year old, want to make 1 CR in next 8 year. How much money want to invest and which fund need to select with amount.

Ans: To accumulate Rs 1 crore in 8 years, you'll need to invest regularly and choose appropriate investment options based on your risk tolerance and return expectations. Here's a general approach:

Calculate Required Investment Amount: Use a financial calculator or online investment calculator to determine how much you need to invest monthly or annually to reach your goal. Factors such as expected rate of return and compounding frequency will influence this calculation.

Select Suitable Investment Vehicles: Consider investing in a mix of equity mutual funds, debt instruments, and other asset classes to achieve your target. Equity investments typically offer higher returns over the long term but come with higher risk, while debt investments provide stability but lower returns.

Diversify Your Portfolio: Spread your investments across different asset classes and investment vehicles to reduce risk and maximize returns. This could include equity mutual funds (large-cap, mid-cap, and small-cap), debt funds, Public Provident Fund (PPF), and other tax-saving instruments.

Regularly Monitor and Review: Stay updated on the performance of your investments and make adjustments as needed. Rebalance your portfolio periodically to maintain the desired asset allocation and risk profile.

Consider Consulting a Financial Advisor: A certified financial advisor can help you create a personalized investment plan based on your financial goals, risk tolerance, and investment horizon.

Remember that achieving a target of Rs 1 crore in 8 years will require disciplined saving, prudent investing, and patience. By following a systematic approach and staying committed to your financial plan, you can work towards reaching your goal.
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  |8511 Answers  |Ask -

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

Asked by Anonymous - Apr 13, 2024Hindi
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Money
I am 40 plan to get 1cr in next 10 year how much invest? Please suggest which mutual funds are good
Ans: To accumulate 1 crore in the next 10 years, you'll need to calculate the required monthly investment based on your expected rate of return. Here's a general outline to help you get started:

Calculate Required Monthly Investment: Determine the monthly investment required to reach your goal of 1 crore in 10 years based on your expected rate of return. You can use online SIP calculators or consult with a financial advisor to perform this calculation.
Choose Suitable Mutual Funds: Look for mutual funds that have a track record of consistent performance, align with your risk tolerance, and have the potential to deliver competitive returns over the long term. Consider a mix of large-cap, mid-cap, and multi-cap funds to diversify your portfolio and mitigate risk.
Review Fund Performance: Evaluate the historical performance of mutual funds you're considering investing in. Look for funds with a proven track record of outperforming their benchmarks and peers over various market cycles.
Consider Expense Ratios: Pay attention to the expense ratios of mutual funds, as lower expense ratios can lead to higher net returns over time. Choose funds with reasonable expense ratios that don't erode your investment returns significantly.
Seek Professional Advice: Consider consulting with a certified financial planner or investment advisor who can provide personalized recommendations based on your financial goals, risk tolerance, and investment horizon. They can help you create a customized investment plan tailored to your needs and objectives.
Remember to regularly review your investment portfolio and make adjustments as needed to stay on track towards achieving your financial goals. With careful planning and disciplined investing, you can work towards building a substantial corpus of 1 crore over the next 10 years.

..Read more

Ramalingam

Ramalingam Kalirajan  |8511 Answers  |Ask -

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

Asked by Anonymous - Apr 14, 2024Hindi
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Money
am 40 plan to get 1cr in next 10 year how much invest? Please suggest which mutual funds are good
Ans: To accumulate 1 crore in 10 years, you need to calculate the required monthly investment based on your expected rate of return. Here's a general approach:

Determine the expected rate of return: Based on historical data, a reasonable expectation for annual returns from equity mutual funds could be around 12-15%.
Use a financial calculator or online SIP calculator to find the monthly investment required to reach 1 crore in 10 years at your expected rate of return.
Once you have the required monthly investment amount, consider allocating it across a diversified portfolio of mutual funds. Look for funds with a track record of consistent performance, experienced fund managers, and aligned investment philosophy.
Since you have a 10-year investment horizon, you can afford to take some risk for potentially higher returns. Consider a mix of equity-oriented funds such as large-cap, mid-cap, and multi-cap funds to diversify across market segments and manage risk effectively.
Regularly review your investments and make adjustments as needed based on changes in your financial goals, market conditions, and risk tolerance.
Consult with a Certified Financial Planner for personalized advice tailored to your specific needs and goals.
By investing systematically in mutual funds and staying disciplined with your investment strategy, you can work towards achieving your goal of accumulating 1 crore in 10 years.

..Read more

Ramalingam

Ramalingam Kalirajan  |8511 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
I am 34 years and plan to accumulate 2 crs in next 15 years. Now Please advice me which funds to invest and How much amount to invest ?
Ans: Certainly, planning for a corpus of 2 crores in 15 years is an ambitious yet achievable goal. At 34, you have a good time horizon to pursue growth-oriented investments while balancing risk.

To start, consider allocating your investments across a mix of equity and debt instruments. Equity mutual funds typically offer higher growth potential over the long term, albeit with greater volatility. Debt instruments provide stability and capital preservation.

Given your time horizon, you can afford to take some risk in your portfolio. Equity mutual funds, especially diversified equity funds or large-cap funds, can be a suitable choice for wealth accumulation over the long term. These funds invest in stocks of companies with a track record of stable performance, potentially offering steady growth.

For the debt component of your portfolio, consider options like debt mutual funds or fixed-income instruments such as bonds or fixed deposits. These provide stability and can act as a cushion during market downturns.

As for the amount to invest, it depends on factors like your current savings, monthly surplus, and risk tolerance. A Certified Financial Planner can help you assess your financial situation holistically and determine a suitable investment strategy tailored to your goals.

Avoiding direct investment without professional guidance is prudent, as it can expose you to unnecessary risks and complexities. Regular funds, invested through a Mutual Fund Distributor with CFP credential, offer the benefit of expert advice and ongoing portfolio management.

Consistency in investing and staying invested for the long term is crucial. Review your portfolio periodically and make adjustments as needed to stay on track towards your goal.

By adopting a disciplined and diversified approach to investing, you can work towards accumulating the desired corpus of 2 crores over the next 15 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Dr Nagarajan J S K

Dr Nagarajan J S K   |410 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 24, 2025

Career
My daughter scored 87% with PCMB in 12th last year from Noida and she's dropout this year but she is not perform well in Neet. Even she scored half marks as compare to last year.As a parents we guide her to go to abroad for mbbs but she say that I continue do my preparation for neet and also do btech in biotechnology or chemical course based on biology subject and also she give jee exam and got 74 percentile . By this she will get good government college in these low level courses. But we totally confused what is the better option for her future? Please suggest us . And she also spend her most time in phone when we were not in home and she forgot her aim and always sleeping till 12 afternoon. We thought she forgot her aim when we send her abroad and also BTech is different branch for her. Sir please guide what we do for her?
Ans: Hi Mukesh,

I understand that you are feeling confused about your daughter's educational options, likely due to external influences. Don't worry—I can help clarify things for you. It seems that you are uncertain about which course she should pursue from the following options: MBBS (in other countries), engineering, or biotechnology.

Regarding MBBS: She has attempted the entrance exam twice but did not achieve satisfactory scores. Additionally, she seems to lose focus when you are not home, indicating that she might need more guidance and supervision. Therefore, I recommend against sending her abroad for MBBS, as she may face challenges such as cultural differences and adjusting to new foods. If your goal is for her to become a doctor, consider the BNYS program; there are many opportunities after completing the undergraduate degree (this is my first suggestion). Alternatively, she could retake the entrance exam. If she chooses this route, she should identify the subjects or chapters where she needs improvement and focus her studies there. Encourage her to develop study tips or tricks to enhance her performance (this is the second option).

If she is interested in engineering, her choice should be based on her marks and skills. If she opts for engineering, I suggest she enroll in a specialized course after her second year to align her skills with market demands (this is the third option).

For biotechnology, she should choose a medicine-related BTech program rather than one focused on botany, as the job market favors medicine-related fields more (this is the last option, but I am not recommending it strongly).

If you have any further questions, please feel free to ask.
WITH REGARDS
POOCHO. LIFE CHANGE KARO.

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Nayagam P

Nayagam P P  |5052 Answers  |Ask -

Career Counsellor - Answered on May 24, 2025

Nayagam P

Nayagam P P  |5052 Answers  |Ask -

Career Counsellor - Answered on May 24, 2025

Asked by Anonymous - May 24, 2025
Career
Helo sir my self Anuj Prajapati , I have secured 95.13%ile and 73k crl and 22k obc rank also i am a up homestate candidate, sir please suggest me some college's from where i can upgrade myself in tech field.
Ans: Anuj,
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  |5052 Answers  |Ask -

Career Counsellor - Answered on May 24, 2025

Asked by Anonymous - May 24, 2025
Career
I got Sir I got admission in VIT Vellore ,Rank 142059,JEE Mains 98.79% Please given Your advice Sir
Ans: If your JEE Main Rank itself is 98.79 percentile, how VITEEE's Rank is very poor (1,42,059)? Any specific reason or typing error? Anyway, try to get admission through JoSAA Counselling.
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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