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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 02, 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 19, 2024Hindi
Money

I am 35 years working as an IT professional.Due to other responsibilities I started MUtual fund last year with 40k every month. quant active, small and Mid cap and ICICI prudential bharat Should I re balance these funds or need to check some other funds.

Ans: I understand your situation as an IT professional managing multiple responsibilities. Starting mutual funds with Rs 40k every month is a great step! Let's dive into how you can optimize your investments for the best results.

Understanding Your Current Investment
You’ve started investing in active, small, and mid-cap funds, as well as an ICICI Prudential Bharat fund. Each type of fund serves different purposes and has unique risks and rewards.

Small and mid-cap funds can provide high returns but are more volatile.

Active funds aim to beat the market through expert stock selection.

Evaluating Fund Performance
Firstly, it's important to evaluate how your current funds have been performing. Check the returns of each fund over the past year, three years, and five years.

Consider their performance compared to their benchmark and category peers.

If any fund consistently underperforms, it might be time to consider alternatives.

Importance of Diversification
Diversification helps in spreading risk. By investing in different types of funds, you reduce the impact of any single fund's poor performance.

It's great that you have a mix of active, small, and mid-cap funds.

However, it's crucial to ensure you’re not overly concentrated in any one sector or market cap.

Actively Managed Funds vs. Index Funds
Actively managed funds aim to outperform the market through strategic stock selection. This can lead to higher returns, especially in a volatile market.

Index funds, on the other hand, simply track a market index. They tend to have lower costs but often provide lower returns compared to actively managed funds.

Considering your choice of actively managed funds, you're positioned to potentially benefit from higher returns, provided the fund manager's strategies pay off.

Regular Funds vs. Direct Funds
Direct funds have lower expense ratios as they don't include distributor commissions. However, they require you to choose and manage your investments independently.

Investing through a Certified Financial Planner (CFP) with mutual fund distributor (MFD) credentials ensures professional guidance. They can help you navigate market changes and rebalance your portfolio when needed.

The slightly higher cost of regular funds can be worthwhile due to the expert advice and support you receive.

Rebalancing Your Portfolio
Rebalancing involves adjusting your portfolio to maintain your desired asset allocation. It’s essential to review your portfolio at least once a year.

Look at the performance of each fund and your overall investment goals.

If one type of fund has grown significantly, it may dominate your portfolio, increasing risk.

Rebalancing can help you realign your investments with your risk tolerance and goals.

Considerations for Adding or Switching Funds
Before adding new funds or switching existing ones, consider the following:

Fund Objectives: Ensure the fund’s objective aligns with your financial goals.

Risk Profile: Understand the risk associated with each fund and ensure it matches your risk tolerance.

Expense Ratio: Lower expense ratios can significantly impact your returns over the long term.

Past Performance: While past performance is not a guarantee of future returns, consistent performance over time is a good indicator.

Professional Advice
A Certified Financial Planner can provide personalized advice based on your financial situation and goals. They can help you choose the right funds, monitor their performance, and make necessary adjustments.

Their expertise can be invaluable in navigating market fluctuations and optimizing your investment strategy.

Staying Informed
Stay updated with market trends and fund performance. Regularly read financial news, attend webinars, and consult with your financial planner.

Being informed helps you make better investment decisions and stay on track with your financial goals.


It's commendable that you have started investing Rs 40k every month despite your busy schedule. Balancing work, responsibilities, and investments is not easy.

Your commitment to securing a financially stable future is truly impressive. Keep up the excellent work!

Continuous Learning and Adaptation
The financial market is dynamic, and continuous learning is crucial. Adapt your strategy as needed based on market conditions and personal circumstances.

Remember, the goal is not just to invest but to invest wisely.

Final Insights
Investing is a journey, and you’ve taken significant steps by starting mutual funds. Regularly evaluate and rebalance your portfolio to align with your goals.

Seek professional advice to navigate complexities and optimize your strategy. Stay informed and adaptable to changes.

Keep up the dedication, and you’ll likely achieve your financial aspirations.

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

Asked by Anonymous - Apr 14, 2024Hindi
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I am 31 years old. I am investing in these funds 5k Parag Parikh Flexi 4k Kotak Emerging fund - mid cap 4k Quant small cap 3k ICICI prud technology fund 3k Quant infra fund 8k Nifty 50 Index fund 5k in Nasdaq 100 etf Please suggest if I have to do any changes or rebalance or change in amount where I have to increase or decrease for any fund. Thanks in Advance
Ans: It's great to see your proactive approach towards investing at a relatively young age. When reviewing your investment portfolio, it's essential to consider your financial goals, risk tolerance, and investment horizon. While your current allocation seems diversified, it's always wise to periodically reassess and rebalance your portfolio to ensure alignment with your objectives.

Consider evaluating the performance and prospects of each fund in your portfolio. Are they meeting your expectations in terms of returns and risk management? Are there any funds that have consistently underperformed or carry higher volatility than desired?

Additionally, reassess your asset allocation strategy. Are you comfortable with the current mix of equity and index funds, or would you prefer to adjust the allocation based on market conditions and your risk appetite?

Lastly, remember that investment decisions should be driven by a well-thought-out plan rather than short-term market movements. Consider consulting with a Certified Financial Planner who can provide personalized guidance tailored to your unique financial circumstances and goals. With careful planning and periodic review, you can work towards achieving long-term financial success.

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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

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

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I am 60, disciplined bachelor. My mutual fund investment are giving 10% - 13% pa return on an average consistently during Last 5 years Should I need to rebalance my investment, when I am okay and happy with the return ? Please advise, when and at what age this rebalance should be done ???? What are the consequences if rebalance is not done. Will this reba
Ans: At 60, you have a disciplined approach to investing, and your mutual funds have provided you with an average return of 10%-13% over the last 5 years. It's excellent that you’re happy with your returns. However, even if you are satisfied with the returns, rebalancing plays a critical role in ensuring long-term financial stability. Let’s explore why, when, and how to consider rebalancing.

1. Why You Should Rebalance Even with Good Returns
Your investments may be giving great returns, but rebalancing is about risk management and ensuring that your portfolio aligns with your changing financial needs as you age. Here’s why rebalancing is important:

Portfolio Drift: Over time, your portfolio might have become more equity-heavy due to market growth. This could expose you to higher risks, even though you are seeing good returns.

Changing Risk Tolerance: As you age, your risk tolerance generally decreases. At 60, protecting your capital becomes more critical than seeking higher returns.

Market Volatility: While equity markets have been kind to you, markets are unpredictable. Without rebalancing, a market downturn could wipe out a significant portion of your gains.

Goal Alignment: Your financial goals might have changed over time. Rebalancing ensures that your portfolio is still aligned with your retirement or lifestyle goals.

Consistent Returns: Rebalancing periodically can help lock in profits and prevent overexposure to high-risk assets. It ensures that you don’t rely solely on equity markets for returns, balancing your portfolio between equity and safer assets like debt funds or liquid funds.

2. When to Rebalance Your Investment
Rebalancing isn’t based on age alone, but on various factors like risk tolerance, market performance, and financial goals. However, certain key moments in your life should trigger rebalancing:

Age-Based Trigger: At 60, your focus shifts more towards capital preservation than aggressive growth. It is essential to start rebalancing your portfolio to reduce exposure to volatile assets like equity and increase allocation to safer assets like debt funds.

Every Year or Market Movement: Many Certified Financial Planners recommend rebalancing your portfolio once a year. Another strategy is to rebalance when your asset allocation drifts significantly from your target (e.g., if your equity allocation grows more than 5%-10% higher than your target allocation due to market performance).

Specific Milestones: Major life events, such as retirement, health changes, or unexpected expenses, could also require portfolio rebalancing.

3. How to Rebalance Your Portfolio
Rebalancing doesn’t mean exiting equity investments altogether. Instead, it involves adjusting your asset allocation to match your age, financial goals, and risk tolerance. Here’s how you can approach it:

Gradual Shift: Start shifting a portion of your equity investments into debt funds or liquid funds. This reduces market risk while still allowing your money to grow steadily.

Fixed Asset Allocation: Based on your risk tolerance, maintain a fixed ratio of equity to debt. For instance, you might aim for 60% in debt funds and 40% in equity at your age.

Systematic Rebalancing: You don’t have to rebalance all at once. A Systematic Transfer Plan (STP) can help you gradually move funds from equity to safer options like debt or liquid funds.

Consult a Certified Financial Planner: To get a clearer idea of the right asset allocation, consider consulting a Certified Financial Planner. They can provide tailored advice based on your overall financial picture and retirement needs.

4. Consequences of Not Rebalancing
If you choose not to rebalance, you might enjoy continued growth during bull markets. However, ignoring rebalancing could expose you to significant risks:

Increased Risk Exposure: Without rebalancing, your portfolio may become too equity-heavy. This can lead to high volatility, which might be unsuitable at your age. If the market crashes, your portfolio could lose significant value.

Missed Opportunity for Profit Protection: By not rebalancing, you miss the chance to lock in profits. Equity investments are volatile, and without moving some gains to safer investments, you risk losing them during market downturns.

Not Meeting Financial Goals: Over time, your goals change. If your portfolio is not rebalanced, it might no longer align with your retirement needs. For example, you might need more liquid funds for regular withdrawals, but an equity-heavy portfolio won’t offer this.

Potential Stress During Volatile Markets: At 60, you may not want to deal with the stress of market volatility. A balanced portfolio gives you peace of mind, knowing that your investments are safer, even if the market faces turbulence.

5. Rebalancing at What Age
There’s no fixed age to rebalance your portfolio, but as you move closer to retirement and beyond, consider rebalancing more frequently:

60 to 65 Years: This is when you should start shifting more of your portfolio into debt funds, liquid funds, or other low-risk options. A 50:50 or 60:40 debt-to-equity ratio may work best for you at this stage, depending on your retirement plans.

65+ Years: By this age, your focus should be on income generation and capital protection. At this stage, you may want 70%-80% of your investments in safer assets like debt funds and fixed-income products, while keeping a small portion in equity for continued growth.

6. What Happens if You Do Rebalance
The primary benefit of rebalancing is that it protects your portfolio from excessive risk and aligns it with your retirement needs. Here’s what you can expect:

Stability in Volatile Markets: A balanced portfolio ensures that you won’t lose too much in market corrections, as your investments are spread across safer assets.

Peace of Mind: By gradually shifting to safer investments, you’ll have peace of mind knowing that your retirement funds are more secure.

Steady Income: Rebalancing into debt funds or liquid funds gives you the ability to use Systematic Withdrawal Plans (SWP) to generate regular income during retirement.

Better Alignment with Goals: Rebalancing ensures that your portfolio continues to meet your financial goals as they evolve, especially as your focus shifts from growth to stability.

7. Common Rebalancing Strategies
Here are a few rebalancing strategies that you can consider:

Age-Based Strategy: A simple rule is to subtract your age from 100 to determine how much of your portfolio should be in equity. For instance, at 60, you could aim for 40% equity and 60% debt.

Target-Date Strategy: As you approach specific target dates (such as retirement), gradually reduce your equity exposure and increase debt.

Market-Driven Rebalancing: Rebalance based on market performance. If your equity portion grows significantly, move a portion to safer assets like debt or liquid funds.

Final Insights
Rebalancing is not just about returns; it’s about managing risk and aligning your portfolio with your evolving goals.

At 60, it’s essential to start reducing your exposure to equities, even if they are delivering good returns. This ensures capital protection and provides you with liquidity when needed.

You can rebalance gradually, shifting profits into safer investments like debt or liquid funds.

If you don’t rebalance, your portfolio may become too risky for your age, exposing you to market volatility and reducing the chance of meeting your retirement goals.

Regular rebalancing, either yearly or triggered by significant market movement, helps keep your investments in check.

By adopting a rebalancing strategy that aligns with your needs and goals, you’ll not only protect your capital but also ensure long-term financial stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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My son has got seat in DTU but aiming for BITS where he secured 290 marks in second session, with which he will not get CSE in BITS campus. So kindly suggest, which one is better CSE in Delhi Technological University or Electrical/ Electronics in BITS Pilani or Hyderabad campus?
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Recommendation: Opt for BITS Hyderabad EEE for its balanced core and software recruiter network and high average packages; choose BITS Pilani EEE if you prioritise peak placement percentages and legacy brand strength; select DTU CSE only if your son’s passion is firmly rooted in software and AI/data analytics. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 29, 2025

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Sir, I scored 69.2% in the boards. I am a SC category student, and I am getting CSE at IIT Roorkee. Will my 12th percentage affect my IIT placement in the future?
Ans: Rishabh, At IIT Roorkee, admission to the BTech program mandates a minimum of 65% in Class XII for SC/ST/PwD candidates or top-20 percentile in their board, so your 69.2% easily met the entry requirement. The Training and Placement Department does not enforce additional board-mark criteria at placement time; eligibility for campus drives hinges on JEE Advanced rank, current CGPA, technical skills assessments, internships, projects, and soft-skills workshops rather than Class XII scores. While some companies list 60–75% in 10th/12th as a documentary screening criterion, this threshold is uniformly applied and rarely affects shortlisted candidates, since IIT students almost always exceed it. Industry surveys and peer accounts confirm that most recruiters prioritize undergraduate performance, coding aptitude, and interview results over secondary-school marks. Over the last three years, IIT Roorkee CSE placements have consistently surpassed 90%, with a 2024 branch-specific average package of ?34 LPA, underscoring that board marks do not influence recruiters’ confidence. Consequently, your 69.2% in the boards will not impede placement opportunities at IIT Roorkee, provided you maintain strong academic and extracurricular performance throughout your BTech program.

Recommendation: Concentrate on achieving a high CGPA at IIT Roorkee by deeply engaging with course projects and elective labs, securing meaningful internships, and participating in hackathons or research initiatives. Leverage the Career Development Centre’s skill-development workshops, mock interviews, and networking events to hone technical, communication, and problem-solving abilities. Your sustained performance, portfolio of work, and proactive engagement with recruiters will drive placement success regardless of Class XII marks. All the BEST for the Admission & a Prosperous Future!

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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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