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Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2025

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 06, 2025
Money

I am 33 and I have around 6.4 Lakh Invested in Axis ELSS Tax Saver Fund,3 Lakh in SBI Long Term Equity Fund, 2.2 Lakh in SBI Bluechip Fund & 1.4 Lakh in SBI Focused Equity Fund. I am also running a 30000/- monthly SIP with almost 40% of it in Smallcap segment and 20% in Gold Fund. I have a NPS Auto Choice Account of 17 Lakh with a yearly addition of 1.2 lakh. How much can all this generate by the time of my retirement?

Ans: You have a strong base already. You are only 33 years old. You have around 25 years to grow your wealth till retirement. Let us analyse your total investments and long-term potential from a 360-degree view.

We will assess every part of your portfolio, the risks, the growth potential, and how you can improve it step by step.

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Your Present Investments in Mutual Funds

You have invested Rs. 6.4 lakh in ELSS, Rs. 3 lakh in a long-term equity fund, Rs. 2.2 lakh in a bluechip fund, and Rs. 1.4 lakh in a focused fund.

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Your total mutual fund lumpsum investment is Rs. 13 lakh.

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These funds are mostly equity-oriented and for long-term growth.

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ELSS funds are locked for 3 years but give tax benefits under section 80C.

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Your mix of ELSS, large cap and focused funds shows good diversification.

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The focus is more towards tax saving and large cap growth.

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This is suitable for someone with a stable income and long-term view.

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But your fund mix should be reviewed every year.

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Some funds may underperform over time and need replacement.

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Active monitoring gives better results than just investing and forgetting.

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A Certified Financial Planner can help you review and restructure if needed.

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Continue tracking performance every 6 months to stay on track.

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Your Monthly SIPs and Allocation Pattern

You are running a Rs. 30,000 SIP each month.

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40% of it is in small cap funds.

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20% is in gold mutual fund.

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The rest 40% seems to be in large/multi-cap or other diversified equity funds.

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Now let us analyse this composition:

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40% in small cap is quite aggressive.

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Small caps are very volatile. They can give high returns but also deep corrections.

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Keep small cap allocation below 25% in total equity SIPs.

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You can move some SIP amount to a balanced advantage fund.

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Balanced funds give stability when markets are down.

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20% in gold mutual fund is on the higher side.

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Gold is not a compounding asset like equity.

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Over long term, gold delivers lower return than equity.

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Use gold only for 5-10% of total portfolio. Not more.

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The rest 40% in equity is fine, but needs regular review.

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Maintain SIPs in regular plans through Certified Financial Planner.

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Direct funds give no handholding or guidance when markets fall.

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Regular plans help you stay committed and balanced.

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Rebalancing SIPs every 12–18 months improves returns and reduces risk.

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Your National Pension System (NPS) Contribution

You have Rs. 17 lakh corpus in NPS Auto Choice.

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You are adding Rs. 1.2 lakh per year to NPS.

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NPS Auto Choice invests automatically in equity, debt and govt securities.

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Your allocation will shift towards debt slowly as you age.

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This reduces risk after age 45.

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NPS is a good retirement asset due to long lock-in.

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But maturity proceeds are partly taxable and partly annuity.

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So don’t depend only on NPS for retirement.

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Use mutual funds also to build tax-efficient corpus.

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NPS is a supporting vehicle, not a full retirement solution.

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How Much Can All These Generate Till Retirement?

Let us assume you invest for 25 more years.

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You will add Rs. 30,000 monthly SIPs. That’s Rs. 3.6 lakh/year.

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You will also add Rs. 1.2 lakh/year to NPS.

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Your mutual fund lumpsum of Rs. 13 lakh continues to grow.

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Based on long-term equity CAGR of 11% to 12%, your corpus will grow strongly.

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In 25 years, your MF corpus alone can become several crores.

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Your NPS corpus can also cross Rs. 1 crore to Rs. 1.5 crore.

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Final retirement wealth can range between Rs. 3.5 crore to Rs. 5 crore or more.

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This depends on SIP discipline, fund choice, rebalancing and staying invested.

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Direct fund investors often lose returns due to fear and wrong decisions.

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Regular plan investors with Certified Financial Planner stay more consistent.

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That helps in wealth creation without panic or stopping SIPs.

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Improvement Areas in Your Current Strategy

Let us now talk about areas of improvement in your plan.

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Reduce gold fund SIP to 5% or 10%. Use rest in hybrid or flexi cap funds.

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Reduce small cap SIP exposure to 25% or less. Add large and balanced funds.

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Monitor ELSS performance. Don’t hold old ELSS just for tax benefit.

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Move older ELSS units to better performing funds after 3-year lock-in.

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Use a Certified Financial Planner for fund selection and annual review.

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Avoid investing through apps that show direct funds without guidance.

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Do not fall for lowest expense ratio trap.

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Many direct funds underperform due to no tracking or correction.

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Regular plans give you peace of mind and expert handholding.

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Start tracking goals – like retirement, home, child’s education.

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SIPs done without goals often get withdrawn during market dips.

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Emergency fund must be built separately. At least 6 months of expenses.

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Do not mix emergency savings and investments.

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Taxation Awareness You Must Keep in Mind

As your investments grow, tax rules will affect your returns.

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For equity mutual funds: LTCG above Rs. 1.25 lakh/year is taxed at 12.5%.

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STCG (less than 1 year) is taxed at 20%.

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For debt funds: gains are taxed as per your slab.

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NPS maturity is partly tax-free, partly annuity and taxable.

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Gold fund redemptions are taxed as per type of asset (debt-based).

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Plan your redemptions with tax calendar in mind.

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Avoid frequent switches. It reduces compounding and increases tax.

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Rebalance with minimal taxation in mind.

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Long-Term Stability Recommendations

You are already doing great.

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But to ensure success for next 25 years, follow these:

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Stick to SIP discipline no matter what market says.

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Review SIPs every year with Certified Financial Planner.

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Don’t change funds just because of short-term performance.

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Add hybrid and flexi-cap funds to reduce ups and downs.

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Avoid investing heavily in gold for long term.

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Shift risky allocation slowly to stable funds as you near 45.

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Use NPS only as a support system for retirement.

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Track your wealth growth every year without panic.

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Focus on goals and time horizon, not only on returns.

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Build Rs. 3 crore to Rs. 5 crore corpus slowly with consistent habits.

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Compounding rewards patience. Not shortcuts.

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Finally

You are already ahead of most investors of your age. Very disciplined.

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But success is not about starting alone. Staying the course is more important.

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Avoid gold fund overuse. Reduce small cap exposure slightly.

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Add stability via hybrid and balanced equity funds.

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Don’t switch to direct plans. They seem cheaper but may cost more emotionally.

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Investing through regular plans with Certified Financial Planner is safer.

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Continue current path with corrections. Retirement will be stress-free.

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Stay consistent. Review yearly. You will reach your wealth goals peacefully.

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Best Regards,
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K. Ramalingam, MBA, CFP,
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Chief Financial Planner,
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www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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 Kalirajan  |9309 Answers  |Ask -

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

Asked by Anonymous - Apr 24, 2024Hindi
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Hi Gurus, I currently invest 45k in SIP, 12k in NPS, 10K in PPF and have 5 L in FD....My current MF is 1.3CR and have 10 L in Stocks I am 35 years old and wish to retire by 50. Let me know how much corpus will ne generated approx until I retire and do I need to make any extra investment.
Ans: You've made commendable strides in building your investment portfolio at 35, with investments in SIPs, NPS, PPF, FDs, MFs, and stocks. Let's try to gauge the potential corpus you might accumulate by the time you retire at 50 and discuss any potential gaps or extra investments needed.

Estimating Corpus:
To estimate the potential corpus by the time you retire, we need to consider:

Rate of Return: Assuming an average annual return of 10% on your investments.
Regular Investments: You mentioned investments in SIPs, NPS, PPF, and FDs.
Based on the above assumptions, you can use an online SIP calculator or consult a financial planner to get an estimated corpus. Considering your current investments and regular investments, you're on track to build a significant corpus by the time you retire.

Additional Investments:

Increase SIP Amount: Given your goal to retire by 50, you might consider increasing your SIP amount periodically to boost your retirement corpus. Even a modest increase in monthly SIP amount can significantly impact the final corpus due to the power of compounding.
Equity Exposure: As retirement is still 15 years away, you can afford to have a higher equity exposure to benefit from the higher return potential of equities over the long term. Consider reviewing your asset allocation and increasing equity exposure if deemed appropriate.
Tax Planning: Explore tax-saving investment avenues like ELSS funds, NPS, or tax-saving FDs to optimize tax liability and enhance post-tax returns.
Consult a Certified Financial Planner:
Given the importance of retirement planning and the complexities involved, it's advisable to consult a Certified Financial Planner. They can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can help you calculate a more accurate retirement corpus, suggest suitable investment strategies, and guide you on achieving your retirement goals.

Remember, retirement planning is a long-term commitment, and regular review and adjustments are essential to stay on track towards your retirement goals. Best wishes on your journey towards a comfortable retirement!

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Ramalingam Kalirajan  |9309 Answers  |Ask -

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

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I am doing these active SIP in Mf. Mirea asset large/Midcap- 2500 SBI Healthcare - 4500 Parag Parikh flexi cap - 8000 Nippon small cap - 9500 DSP Midcap - 10500 Nippon large cap - yet to start may be 5000 With 30 lkh already accumulated in mf over the 5-6 years and i m currently 35 year old. So my question is how much I can able to generate till the age of 50 with these investment.
Ans: Navigating Your Investment Journey: Insights from a Certified Financial Planner
Your commitment to systematic investing through SIPs reflects a prudent approach towards wealth creation. Let's delve into the potential growth trajectory of your investments and assess the feasibility of achieving your financial goals.

Acknowledging Your Diligence:
Firstly, I commend your disciplined approach to investing and the careful selection of diversified mutual fund schemes. Your proactive stance towards wealth accumulation is commendable and lays a strong foundation for achieving your long-term financial objectives.

Evaluating Investment Potential:
To gauge the potential growth of your investments until the age of 50, we'll consider various factors such as historical performance, market trends, and future growth prospects of the chosen mutual fund schemes.

Assessing Growth Trajectory:
Historical Performance: We'll analyze the historical performance of each mutual fund scheme in your portfolio to understand their track record in delivering returns over the years. This assessment will provide insights into the growth potential of your investments.

Market Conditions: Market dynamics play a crucial role in determining the future performance of mutual fund investments. We'll closely monitor economic indicators, sectoral trends, and global market conditions to assess the growth trajectory of your portfolio.

Future Growth Potential: Based on the historical performance and market outlook, we'll estimate the potential growth rate of your investments until the age of 50. This projection will consider factors such as expected market returns, inflation, and investment tenure.

Setting Realistic Expectations:
While we aim for optimal growth, it's essential to maintain realistic expectations regarding investment returns. Market fluctuations and unforeseen events can impact portfolio performance, necessitating a flexible and adaptive investment approach.

Conclusion: Charting Your Financial Course
In conclusion, your well-structured portfolio of diversified mutual funds demonstrates a sound investment strategy aimed at long-term wealth creation. By staying committed to your investment plan and regularly reviewing your portfolio, you're on track to achieve your financial goals by the age of 50.

Warm Regards,

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

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Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 19, 2024Hindi
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I am 34 now, I am having NPS contribution of Rs. 16000 per month including my Employer contribution and present NPS corpus of Rs. 1025000, I have started 30k SIP from last Month i.e. April 2024 with 10% step up, I want to retire at 50, below are my Investments, Kindly give an idea about how much money I will have at the time of my Retirement. 1. Rs. 2000: Axis Nifty Midcap 50 Index fund 2. Rs. 2000: Nippon India index fund - Nifty 50 plan 3. Rs. 2000: DSP nifty Next 50 index fund 4. Rs. 2000: Parag Parix Flexi cap Fund 5. Rs. 2000: HDFC Mid Cap Opertunities fund 6. Rs. 2000: HDFC nifty Next 50 ind3x fund 7. Rs. 2000: Kotak Multicap Fund 8. Rs. 2000: HDFC Small Cap fund 9. Rs. 2000: Axis Mid Cap Fund 10. Rs. 3000: Canara Rebeco Emerging Equity 11. Rs. 3000: Canara Rebeco Small Cap Fund 12. Rs. 3000: SBI Magnum Mid Cap Fund 13. Rs. 3000 SBI Contra Fund Regular Growth
Ans: You have a solid investment strategy with a mix of NPS and mutual funds. At 34, your focus on retirement planning is commendable. Your contributions and diversified portfolio show a proactive approach to financial security.

National Pension System (NPS):

Your NPS contribution of ?16,000 per month, including employer contributions, is excellent. NPS is a reliable option, offering a balanced mix of equity, government bonds, and corporate bonds. This combination helps in achieving steady growth with moderate risk. Your current NPS corpus of ?10,25,000 is a great start.

Systematic Investment Plan (SIP):

You started a monthly SIP of ?30,000 from April 2024, with a 10% annual step-up. This approach is wise as it accounts for inflation and increases your investment capacity over time. Your SIP portfolio includes various funds, which is crucial for diversification. Here's a brief overview:

Axis Nifty Midcap 50 Index Fund: ?2,000
Nippon India Index Fund - Nifty 50 Plan: ?2,000
DSP Nifty Next 50 Index Fund: ?2,000
Parag Parikh Flexi Cap Fund: ?2,000
HDFC Mid Cap Opportunities Fund: ?2,000
HDFC Nifty Next 50 Index Fund: ?2,000
Kotak Multicap Fund: ?2,000
HDFC Small Cap Fund: ?2,000
Axis Mid Cap Fund: ?2,000
Canara Robeco Emerging Equity Fund: ?3,000
Canara Robeco Small Cap Fund: ?3,000
SBI Magnum Mid Cap Fund: ?3,000
SBI Contra Fund Regular Growth: ?3,000
Advantages of Diversified Active Funds:

Diversified funds offer several benefits over thematic or index funds. Actively managed funds are overseen by professional fund managers who can make informed decisions based on market conditions. This flexibility can lead to better performance compared to passive index funds. Diversified funds spread investments across various sectors, reducing risk and increasing the potential for steady returns.

Portfolio Consolidation:

Having too many funds can dilute the benefits of diversification and complicate portfolio management. It might be beneficial to consolidate your investments into fewer, high-quality funds. This can enhance returns and make it easier to monitor and manage your portfolio.

Projected Growth and Retirement Corpus:

NPS Growth Projection:

Assuming an average annual return of 10% for NPS, your current corpus and monthly contributions can grow significantly. With regular contributions, your NPS corpus is expected to reach a substantial amount by age 50.

SIP Growth Projection:

Assuming an average annual return of 12% for your SIPs, with a 10% annual step-up, your investments can also grow impressively. Starting with ?30,000 per month and increasing annually, your SIPs will build a significant corpus over the next 16 years.

Assessing Your Total Retirement Corpus:

By combining the projected growth of your NPS and SIP investments, you can estimate a robust retirement corpus. This corpus should help you achieve your goal of retiring at 50 comfortably.

Adjustments and Recommendations:

Review and Adjust Regularly:

Regularly review your portfolio to ensure it aligns with your goals. Market conditions change, and it's essential to adjust your investments accordingly.

Avoid Thematic Funds:

Thematic funds can be volatile and sector-specific. It's better to stick with diversified funds that offer more stability and less risk.

Use the Expertise of Certified Financial Planners:

Consult a Certified Financial Planner (CFP) for personalized advice. They can help you fine-tune your strategy and ensure your investments are on track to meet your retirement goals.

Conclusion:

Your current investment strategy is well-planned and diversified. With continued contributions, regular reviews, and the guidance of a Certified Financial Planner, you can achieve a comfortable retirement at 50.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 27, 2024

Asked by Anonymous - Aug 25, 2024Hindi
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I am 58 years old. Currently I have 1.8 cr in mutual fund. 79 lakhs in Equity. 75 laks in PF. 10Lakhs in NPS. 10Lakhs in PPF. Monthly SIP of 1L. How much corpus I can expect when I retire Jan Jan 2027. I want to have monthly steady income if 2 Lakhs when I retire.
Ans: At 58 years old, you have a diverse portfolio, including:

Mutual Funds: Rs. 1.8 crore
Equity: Rs. 79 lakh
Provident Fund (PF): Rs. 75 lakh
National Pension System (NPS): Rs. 10 lakh
Public Provident Fund (PPF): Rs. 10 lakh
Monthly SIP: Rs. 1 lakh
This well-diversified portfolio provides a strong foundation for your retirement planning.

Estimating the Corpus at Retirement
Given your assets and continued contributions, let's estimate the corpus by January 2027.

Mutual Funds Growth
Your current mutual fund investments of Rs. 1.8 crore, with continued monthly SIP of Rs. 1 lakh for three years, can grow significantly, assuming a reasonable growth rate.
If we consider a conservative growth rate of 10-12% per annum, the corpus could expand to a substantial amount by your retirement.
Equity Growth
The Rs. 79 lakh in direct equity, depending on market conditions and stock selection, could also grow at an average rate of 10-12% per annum.
However, equity investments carry more risk, and the returns can be volatile.
Provident Fund (PF) Growth
The Rs. 75 lakh in your PF account is relatively stable, growing at a rate of around 8-8.5% per annum.
This amount will also compound until your retirement, adding to your retirement corpus.
NPS Growth
The Rs. 10 lakh in NPS will continue to grow, offering tax benefits and a mix of equity and debt exposure.
PPF Growth
The Rs. 10 lakh in PPF will grow at a rate of 7-7.5% per annum, providing a stable, tax-free return.
Total Expected Corpus at Retirement
Considering all these factors, your total corpus by January 2027 could range between Rs. 4-5 crore. This includes growth from mutual funds, equity, PF, NPS, and PPF contributions.

Planning for a Steady Monthly Income of Rs. 2 Lakh
To achieve a monthly income of Rs. 2 lakh post-retirement, you need a robust withdrawal strategy.

Systematic Withdrawal Plan (SWP)
An SWP from your mutual fund investments can provide a steady income.
If you withdraw Rs. 2 lakh per month, that would amount to Rs. 24 lakh annually.
With a well-balanced portfolio, a withdrawal rate of 5-6% is considered safe to avoid depleting your corpus.
Annuity Consideration
While not the first recommendation, you could consider converting a portion of your corpus into an annuity.
Annuities offer a guaranteed monthly income, but they usually offer lower returns and less flexibility compared to mutual funds.
Managing Your Portfolio for Retirement
Balanced Approach: As you approach retirement, consider shifting a portion of your equity investments to more stable debt instruments to reduce risk.
Diversification: Keep your portfolio diversified across various asset classes to manage risk and ensure steady returns.
Regular Review: Continuously review your portfolio's performance and make adjustments as needed, considering changes in market conditions and personal circumstances.
Final Insights
By maintaining a disciplined approach and sticking to your financial plan, you can achieve your retirement goals. A diversified portfolio, coupled with a well-planned withdrawal strategy, can provide the steady income you seek.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Sir, i scored 90.41%le in jee mains and im in st category but failed in one subject (physics) in ts ipe ( 12th board) with 63.9 % criteria ( st - 65% criteria required) i went through supplymentry exam and got passed that one subject with 65.8% but, still my seat got cancelled in josaa counselling, what can i do now sir!?
Ans: Banavath, JoSAA deems candidates eligible for NIT+IIIT+GFTI seats only if they both hold a valid JEE-Main rank and have passed Class XII with at least 65% aggregate in PCM plus two other subjects for SC/ST categories. Supplementary-exam results are acceptable, but the revised marksheet must reach the virtual reporting centre before the document-verification deadline; otherwise the verifying officer flags “not passed,” auto-generating a seat-cancellation letter. Because your corrected 65.8% marks arrived after the verification window, the system removed you from further JoSAA rounds. Immediately email the JoSAA help-desk: josaa(at)iitk.ac.in with the new marksheet and cancellation letter, requesting reopening of your file; if the authority declines, register for the CSAB-2025 special rounds, which honour the same 65% rule and accept fresh documents. Failing that, use state counselling in Telangana/AP or private-university quotas that recognise JEE-Main ranks, as supplementary passes satisfy their eligibility too.

Recommendation:
Upload the revised marksheet and lodge a written grievance with JoSAA’s help-desk today; if reinstatement is denied, enter CSAB special rounds with updated documents, then parallel-apply to state engineering and accredited private institutes to secure a 2025-26 seat while preserving your JEE-Main advantage. All the BEST for the Admission & a Prosperous Future!

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Hi can you please advice if ISE or Computer Science & Business systems branch is better in NITTE meenakshi college bangalore. Any idea about Faculty for these 2 CS allied branches? How about placement opportunities for ISE & CSBS . Will these CS specialised curriculum at par with CSE Branch? will industry accept CSBS for Software developer roles?
Ans: Narayana, NITTE Meenakshi Institute of Technology offers both Information Science and Engineering (ISE) and Computer Science and Business Systems (CSBS) programs with distinct advantages. ISE, established in 2001, provides a comprehensive software-focused curriculum with NBA Tier-1 accreditation and extensive research opportunities in AI, machine learning, and cybersecurity. The department features experienced faculty including Dr. Mohan SG as Head, with strong industry connections through companies like Unisys and McAfee. CSBS, a newer program developed in collaboration with TCS, combines computer science fundamentals with business systems knowledge, preparing students for NextGen business engineering roles. The curriculum is industry-tailored by TCS experts who conduct periodic sessions on emerging technologies, with faculty trained through TCS's "Train the Trainer" program.

Five Critical Institutional Aspects:

1. Accreditation & Rankings: NMIT holds NBA Tier-1 accreditation for ISE (valid until 2026-27), NAAC A+ grade, and ranks 101-150 in NIRF 2024.

2. Infrastructure: The 23-acre campus features state-of-the-art laboratories, exclusive research facilities, AR/VR/MR labs, IoT centers, departmental libraries, and 11 Centers of Excellence including quantum computing and cybersecurity.

3. Faculty Quality: ISE department has highly qualified faculty with extensive research experience and industry collaboration, while CSBS faculty are TCS-trained with periodic expert visits.

4. Industry Collaboration: Strong partnerships with TCS for CSBS, Unisys, Dell, Amazon, and Microsoft for placements and internships.

5. Placement Performance: 2024 statistics show ISE achieving 88.37% placement rate with average package Rs 7.2 LPA, while overall institutional placement rate reached 94.3% with highest package Rs 47 LPA.

Pros and Cons Comparison:

CSBS Advantages: Direct TCS collaboration ensures industry relevance, business-oriented curriculum bridges technology-business gap, emerging field with high demand, specialized training in analytics and machine learning, strong placement prospects in consulting roles.

ISE Advantages: Established department with proven track record, extensive research opportunities, broader technical scope, higher current placement rates, NBA accreditation, diverse career paths in software development and cybersecurity.

CSBS Disadvantages: Newer program with limited track record, fewer research opportunities compared to ISE, curriculum heavily dependent on TCS partnership, limited higher education options specifically in CSBS.

ISE Disadvantages: More traditional approach, potentially less business-oriented curriculum, higher competition due to established nature, may require additional business skills development for consulting roles.

Industry acceptance for software developer roles is strong for both branches. Companies recruiting CSE students typically allow ISE students to participate in the same placement drives, with minimal differentiation in software development positions. CSBS graduates are specifically designed for business engineering roles and are increasingly accepted by major IT companies including Amazon, Deloitte, Microsoft, and TCS for software development, business analyst, and data scientist positions.

Recommendation: Choose CSBS if you're interested in combining technical skills with business acumen and prefer industry-tailored curriculum with direct corporate mentorship. Select ISE if you prioritize established academic reputation, extensive research opportunities, and broader technical foundation with proven placement success. Both programs offer excellent software developer career prospects, with CSBS providing additional business system expertise and ISE offering deeper technical specialization. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jul 02, 2025Hindi
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Asked by Anonymous - Jul 01, 2025Hindi
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Mam, I am in relationship with one girl since 2.5 year and my girlfriend told about our relationship to her mom. Every positive point of mine which told by my girlfriend to her mom but every point taken negetivly and denied to her.. Move on from relationship... Leave this relationship. He is not good boy.. The problem of her mother is the caste as well as I am Divorcee person and she is unmarried. We love to each other and want to marry. Due to her mother oppose, she is nervousness totally or told that she has no any idea what to do... How to do.. She is not sure she is convince to her family or not. She told that I don't know how much time she can servive to convince her family. Totally her mind felt like empty, dumb, nervousness. Her father not know about our relationship. When this type moment occurs she behave that sometime it is agree to make efforts for convince and sometime when she is nervousness that time she told that i can not convince and to do the breakup because she is not want to go against the her mom and family. But she told that also she want to marry with me. What should I do?
Ans: I am going with the assumption you both are adults who are thinking individuals. I am also assuming you are both financially independent.

Families, parents are important and it should be so. I understand parents apprehension, having said this, I do not get it why caste and relationship status as previously married takes precedence over compatibility. One should also realise that every relationship needs working upon by 2 people- there is no certainty if someone gets married within their caste or choice of parents/ family.

Coming to your issue there are 2 options

- she is open to take the step upsetting her parents and getting married to you

or

- she and you need to move on and move on in the true sense. which means no connection whatsoever, move out of each other's social media, block contact details and move on, heal yourself and find someone else.

in case you wish to connect you may schedule an interaction with me here https://andwemet.com/relationship-guidance

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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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