Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Ramalingam Kalirajan |10865 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 03, 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 - Mar 24, 2024Hindi

Listen

Money

I am 37 years old and i have started sip in 2 funds for retirement corpus. They are ICICI prudential value discovery fund and HDFC flexi cap fund. Am I on the right track? Are these funds good for creating a substantial corpus?

Ans: At 37, you're demonstrating admirable foresight by initiating SIPs for your retirement corpus. Both ICICI Prudential Value Discovery Fund and HDFC Flexi Cap Fund are reputable choices known for their potential to generate substantial returns over the long term. However, the suitability of these funds depends on various factors, including your risk tolerance, investment horizon, and financial goals.

Have you considered the diversification benefits of investing in different asset classes through these funds? It's wise to ensure that your investment portfolio is well-balanced to mitigate risks and optimize returns.

While these funds have a strong track record, it's essential to regularly review their performance and reassess their alignment with your objectives. Consulting a Certified Financial Planner can provide valuable insights and help fine-tune your investment strategy for optimal results.

Remember, the journey towards building a retirement corpus requires patience, discipline, and periodic adjustments. Stay committed to your goals, keep a watchful eye on market dynamics, and trust in the power of compounding to realize your financial aspirations.

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.

MoneyReply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 06, 2022

Question by Vidhu - May 06, 2022Hindi

Listen

Money

I am a 37-year-old government employee and I want to create a corpus of approx Rs 4 crore on retirement -- ie after 20 years. My choice of funds for initial SIP of Rs 17,000 (annual step-up of 10%) is as follows -- Mirae Asset Hybrid equity Fund, Rs 6,800 (50%); Parag Parikh Flexi Cap Fund, Rs 3,400 (20%); SBI Focused Equity Fund, Rs 3,400 (20%); SBI Small Cap Fund, Rs 3,400 (20%). I am not much interested in debt mutual funds as I am investing approx Rs 20k per month in PPF and I have a separate portfolio for my son's education expenses due after 15 years. Could you please guide on my choice of funds?

Ans: Your choice of funds is good. However, the weightage towards hybrid is pretty high (40%) considering the investment horizon of 20 years; pure equity funds may be better.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 30, 2022

Question by Mohan - May 30, 2022Hindi

Listen

Money

I am 31 and work in a public sector company. I would retire at the age of 60. My objective is long term fund accumulation. I am aiming to create a corpus of Rs 2 CR in next 18 years for children’s higher education and would like to create a corpus of Rs 2 CR in next 30 years for my retirement corpus. Please advise if I am going in the right direction to achieve my target or if some changes are required. I have been making SIP investments as listed below since 3 months. 1. axis long term equity fund direct growth - 5K 2. uti flexi cap fund direct growth - 5K (annual top up 10 per cent) 3. mirae asset emerging bluechip fund- 2.5K 4. pgim midcap opportunities fund direct growth - 5K(annual top up 10 per cent) 5. hdfc nifty 50 index fund direct- 5K(annual top up10 per cent) 6. sbi focused equity fund direct growth - 3K(annual top up 10 per cent) 7. sbi small cap fund direct growth- 2K 8. hdfc small cap fund direct growth -2K(annual top up 10 per cent)

Ans: Please continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 06, 2021

Question by vipul - Jan 06, 2021Hindi

Listen

Money

I am 43 yr. old & have following SIPs going as per the duration below. My horizon is next 5-10 years & want to build a corpus of 1 Cr for retirement. Please suggest if this OK. Risk Acceptance - Medium. Mutual Fund SIP Amount Months Started SBI Blue Chip – Growth 10,000 42 HDFC Mid Cap opportunities Growth 5,000 32 Sundaram Rural & Consumption Regular 5,000 25 TATA Equity P/E Fud Regular Growth 5,000 25 Kotak Blue Chip Fund Growth 5,000 7 Mirae Asset Large Cap Fund Regular 5,000 7 Axis Small Cup Fund 5,000 1

Ans: Monthly SIP of Rs. 40000 is adequate to build a corpus of Rs. 1 crs in 10 years.

Please continue with existing Tata, Mirae, Axis and can consider UTI Equity Fund - Growth, Axis Bluechip Fund – Growth and DSP Mid Cap Fund – Growth

Ramalingam Kalirajan |10865 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Anand - Dec 13, 2023Hindi

Listen

Money

Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?

Ans: It's evident you've put thought into your investment choices, and that's a commendable step towards securing your financial future. However, let's reflect on whether your portfolio aligns well with your long-term goals.

Consider the diversification of your portfolio across various mutual fund categories and market segments. Are you adequately spread across different sectors and asset classes to mitigate risks?

Additionally, assess the performance of each fund over time and their consistency in delivering returns. Are there any funds that haven't been meeting expectations, or could benefit from a review?

As a Certified Financial Planner, I encourage you to periodically review your portfolio and make adjustments as needed to ensure it remains aligned with your objectives and market conditions. Consulting with a financial advisor can provide valuable insights and help optimize your investment strategy for long-term growth. Remember, investing is a journey, and staying vigilant and adaptable will serve you well on your path to building a healthy corpus.

Latest Questions

Mayank Chandel |2552 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Nov 30, 2025

Asked by Anonymous - Nov 27, 2025Hindi

Career

I passed class 12th CBSE in the 2024–25 session with 65%. I wanted to prepare for JEE, but I missed the date for improvement. Now in November, I have only one option left — to fill the NIOS form and appear for the exam in October 2026–27. But am I eligible for JEE 2027 if I score above 75% in NIOS 12th? And if yes, will I be able to get admission in an NIT? Also, what documents will I need during counselling?”

Ans: Hi
you still have a chance you can enroll in NWAC board and appear JEE this year.
I can help you with this.

Naveenn Kummar |233 Answers |Ask -Follow

Financial Planner, MF, Insurance Expert - Answered on Nov 30, 2025

Question by deepa - Nov 28, 2025Hindi

Money

Dear Naveenn Ji I am 61 yrs old-retired person. I had cardiac procedure with pacemaker 3 yrs back. I had one Medical insurance which was quite useful and was just sufficient at that time to meet expenses. Now I want to enhance the limit say from 10 lac to 20 lac which is not happening with the existing one. Can you suggest what best can be done and how for medical expenses

Ans: We will need to check with different health insurance companies and share your case history in detail. There are chances of getting a policy, but it depends on the underwriter’s assessment. Age, any other medical conditions, pre-existing diseases and the severity of the earlier cardiac issue all play a role.

Sometimes insurers give a counter-offer with a higher premium, a co-payment clause or a permanent exclusion for heart-related conditions while covering everything else.
We also need to check whether porting is possible or if a fresh policy is better.

One important point: please do not cancel your existing policy under any circumstance until a new cover is issued and active.

Alongside insurance, it is always wise to keep a reasonable emergency fund in liquid form such as fixed deposits or liquid mutual funds to handle any immediate medical requirement.

please feel free to ask any further questions you can connect us 044-31683550 if facing any problem

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

Radheshyam Zanwar |6727 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 29, 2025

Asked by Anonymous - Nov 28, 2025Hindi

Career

Sir I have 5 subject in Nios board class 12 in 2026 and the subject names is Physics, Maths, English, Physical Education and in place of Chemistry is Biotechnology or vocational subject Valid for JOSSA 2026 So it will be eligible for Jossa Counselling For BTech in IITs or NITs+System According to JOSSA COUNSELLING 2025 Annexure 2(a)Annexure 2(b) The marks scored in the following five subjects will be considered for calculating the aggregate marks and the cut-off marks for fulfilling the top 20 percentile criterion. Candidates must also pass each of the following subjects in Class XII (or equivalent) to qualify for admission to the NIT+ System: o For B.E./B.Tech. programmes i. Physics ii. Any one of Chemistry, Biology, Biotechnology, Technical Vocation subject iii. Mathematics iv. A language (if the candidate has taken more than one language, then the language with the higher marks will be considered) v. Any subject other than the above four (the subject with the highest marks will be considered). Please Guide Me Sir

Ans: Your question is unclear because you have combined many queries into one. However, I will attempt to answer based on my understanding. Please do not mind; from the question, I can guess that you may be facing problems with the subjects, either in terms of understanding or from other aspects.

Your NIOS 2026 combination (Physics, Maths, English, Physical Education, and Biotechnology instead of Chemistry) complies with JoSAA Annexure 2(a)/(b) requirements, so you will be eligible for JoSAA counselling for BTech in IITs/NIT+ system, subject to passing all subjects and meeting the JEE Advanced and overall eligibility/percentile criteria. However, it is highly recommended to refer to the latest brochure published by NTA on the official website of JEE.

Good luck.
Follow me if you receive this reply.
Radheshyam

Radheshyam Zanwar |6727 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 29, 2025

Asked by Anonymous - Nov 28, 2025Hindi

Career

Taken only 5 subjects in class 12 cbse.. physics, chemistry, biology, maths and English.. so which one will be taken as additional subject out of these or all will be main subject only?will maths (041) if taken as additional here then Can I pursue engineering with this combination..?

Ans: All five listed subjects (PCB, Maths, and English) are considered main subjects. Maths (041) is not an additional requirement, and yes, this combination is valid for pursuing engineering.
Recommendation - It would be better to choose PCMB. If you are more inclined towards engineering, then it would be wiser to set aside biology or just take it for passing purposes. Do not create confusion without any reason. From a future perspective, the XII Board mark sheet with PCMB taken together offers more advantages.

Good luck.
Follow me if you receive this reply.
Radheshyam

Radheshyam Zanwar |6727 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 29, 2025

Asked by Anonymous - Nov 28, 2025Hindi

Career

I have completed class 12th from Maharashtra board in 2023 can I reappear in class 12th board exam in Feb 2026 to improve my score through form no 17 ?? Is it risky for my career in medical feild??

Ans: Yes. You can reappear using Form No. 17 for score improvement in Feb 2026, and it is not risky for a medical career, as improvement exams are valid and accepted. Be worry-free and focus on the upcoming improvement examination. Appear with an ignited mind to score more.

Good luck.
Follow me if you receive this reply.
Radheshyam

Asked on - Nov 29, 2025 | Answered on Nov 29, 2025

Form no. 17 is not for HSC passed students (regular) it is for private students, if I appear through form no 17 will Maharashtra board cancel my result and candidature later ??? In councelling and addmission process at the time of documents verification there will be any risk ???

Ans: It would be better to take the improvement examination as a regular student to avoid further complications. It is highly recommended to visit the HSC board office and have an in-person interaction with the college administration for more updated information.

Dr Nagarajan J S K |2572 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 28, 2025

Question by Anuj - Nov 27, 2025Hindi

Career

Period date time par nahi aati

Ans: Hi,
Resend your query with more details.
with regards

Dr Nagarajan J S K |2572 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Nov 28, 2025

Question by Thamizh - Nov 27, 2025Hindi

Career

chemical engineering in NIT Agartala review

Ans: HI Thamizh,
Before I review the course, I would like to know how your chemistry skills compare to your abilities in other subjects like physics, biology, and mathematics. Could you share this information with me? This will help me provide better suggestions.

Also, it's worth noting that national institutes generally have a stronger reputation for placements compared to private universities or institutions. Since you secured your seat through the counseling process, you are in a good position.

WITH REGARDS.

Shalini Singh |176 Answers |Ask -Follow

Dating Coach - Answered on Nov 28, 2025

Asked by Anonymous - Nov 25, 2025Hindi

Relationship

I am 29 years old now, I have a boyfriend, we are dating since 3 years and we know each other since 6 years for now, we used to work together and met at the workplace itself. He is 5 years older than me, Earns good., I have a family business and joined business now leaving the job. I am a single child to my parents. Now we want to get married, but our castes and religions both are different from each other. I want to start the conversation with my family for the same, but as their thoughts and the type of response they give to other intercaste and inter religion marriages are very negative. Therefore I know what kind of response I am going to get from them. I want to know how to start the conversation with them and how to convince them for it?

Ans: This requires a longer discussion - you may wish to schedule an interaction on https://andwemet.com/ if you like - however for now - you have to have this conversation which you should - be prepared for a push back (or they may surprise you and say a yes) - when that happens listen to them - do not react, keep quiet - do not fight it. This does not mean you are agreeing to their reaction - it means you are sure and are thinking on how to manage it calmly. I am confident if you handle this calmly your family will agree in time - all the best.

Shalini Singh |176 Answers |Ask -Follow

Dating Coach - Answered on Nov 28, 2025

Question by Shan - Nov 27, 2025Hindi

Relationship

Long story short: we are 8 month old long distance couples, i use to listen to her, she told me if she loves me she'll be open to me 100% and whenever she feels to call me she will and tell me exactly how she feels, i respected that. I thought if i want to be a good partner i need to listen i need to support her emotions, but sometimes i do not want to be on calls and tell her lets finish for the day but i dont want to loose her i kept that from her and pretended to be interested everytime, she sensed that vibe from me, telling me that u seem off over calls, like u r performing a task. Suddenly we had a fight and i told her that sometimes i just predented to be listening but i am not. From then she has adusted she does not msg or call me frequently, i feel guilty about not telling her sooner. Will this ever repair or will it be like this forever? Is this change good for both of us or only for me ?

Ans: plan for an inperson meeting - get your issues sorted out in person - misunderstandings will happen - one needs to work around them. all the best.

Naveenn Kummar |233 Answers |Ask -Follow

Financial Planner, MF, Insurance Expert - Answered on Nov 27, 2025

Question by SURYAKANT - Nov 27, 2025Hindi

Money

Dear Madam /Sir, I m 53 yrs male and had by-pass surgery last year in May i.e in 2024 . Whether any insurance firm will give term insurance to me for upto 80 years.

Ans: Dear Sir,
Thank you for your message. At 53, even with a bypass surgery done in 2024, term insurance is still possible, but approval depends on a detailed medical and financial review. Insurers will ask for reports such as ECG, TMT, 2D Echo and your discharge summary. They also consider your age, current income and three years of ITR or salary proof, along with any other pre-existing conditions.

please focus on taking medical insurance , you can 044-31683550 for any requirements

Most companies offer coverage up to age 75 or 80, but the premium may be higher. Tele or video medicals are usually part of the process and the final decision rests with the underwriter after reviewing all documents.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x