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Ramalingam

Ramalingam Kalirajan  |7209 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 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 - Apr 21, 2024Hindi
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I am 38 year old earning 58000 per month currently investing 10000 in SIP per month what would be amount after 15 years

Ans: Investing ?10,000 per month in SIPs is a prudent step towards securing your financial future. Over 15 years, your investment can grow significantly due to the power of compounding.

However, the exact amount after 15 years depends on several factors such as the performance of the mutual funds, market conditions, and the compounding effect. As a Certified Financial Planner, I encourage you to stay committed to your investment plan and remain patient during market fluctuations.

Regularly review your SIP investments and consider increasing your monthly contributions over time to accelerate wealth accumulation. By investing systematically and staying disciplined, you can build a substantial corpus for your financial goals.

Remember, investing is a journey, and it's essential to have realistic expectations and a long-term perspective. Seek guidance from a Certified Financial Planner to create a tailored investment strategy that aligns with your financial objectives and risk tolerance.

With consistent saving and strategic investing, you can achieve your financial goals and enjoy a comfortable lifestyle in the future.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |7209 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - May 09, 2024Hindi
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Hi sir i am investing in sip for 7000,ppf 5000,nps 2500,pf 3000 per month i am 32 yrs planning to retire in 65 years .how much i will get after 65
Ans: It's excellent that you're taking proactive steps towards securing your financial future at such a young age. By investing regularly in SIP, PPF, NPS, and PF, you're building a strong foundation for your retirement.

Regularly investing in SIPs allows you to benefit from the power of compounding over time, potentially leading to significant growth in your investments. PPF provides a secure and tax-efficient way to save, and NPS and PF contributions help you build a retirement corpus while also enjoying tax benefits.

However, the exact amount you'll receive at retirement depends on various factors like the rate of return on your investments, inflation, and any changes in government policies. It's essential to review your investment strategy regularly and make adjustments as needed to stay on track towards your retirement goals.

Consider consulting with a Certified Financial Planner (CFP) to develop a comprehensive retirement plan tailored to your needs and aspirations. A CFP can help you estimate your future retirement corpus based on your current investments and make recommendations to optimize your portfolio for long-term growth.

Remember, starting early and staying disciplined with your investments are key to achieving your retirement goals. Keep up the good work, and continue investing regularly to build a secure financial future for yourself.

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

..Read more

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Dr Anshuman

Dr Anshuman Manaswi  |6 Answers  |Ask -

Plastic-Aesthetic Surgeon, Emergency Care Consultant - Answered on Dec 05, 2024

Asked by Anonymous - Dec 05, 2024Hindi
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Dear Doctor, I work as a corporate lawyer in Delhi. I’ve been considering undergoing a cosmetic procedure for my skin for some time now, but I’m feeling a bit overwhelmed by the number of surgeons available. I want to ensure that I choose someone who is experienced, as this is a big decision for me. Could you advise what I should look for when selecting a plastic-aesthetic surgeon? Are there any specific red flags I should be aware of when researching potential surgeons? I want to make sure I’m in safe hands. I’m 40 years old.
Ans: This is a beautiful question.
Before I dwell on your question, there are a few points which are very important for the patient to know.
1. You should roughly know what result you wish to have.
2. Never think of a perfect result. There is no such result.
3. You must think in terms of improvement and if you are sble to achieve more than 90% approx, it can be considred good.
4. Dont compare your results with any celebrity's result. There body structure is different, they have probably taken better care till now and importantly, the result you see on a public platform is after make up and not the real result. Some times it may be a photoshopped image
5. Let your doctor know if you have any medical history and addictions.
6. Don't go with pre concieved notion (especially if you have researched a lot online). Discuss with the doctor, listen to his/ her views and raise your concerns if any
7. Try and see some results of the doctors work (Remember, too good a result may not be the true result). Realistic result is what you should want to look at and believe.
8. Don't fall for less budget! its obvious a meticulous job needs more surgical time. This means that the doctor may charge more. Seniority also adds to the cost.
What I mean, there is a price to be paid for a good job.(whether medical or anywhere).
Now coming to the Plastic surgeon's choice.
1. Research well, but dont fall prey to only advertisement. Small and big centers, both advertise,
2. Dont fall for glamour. You are going to a surgeon. A plastic surgeon's clinic is clean but not lavish generally. At least I believe that the person coming is not a client, but a patient. A patient - Doctor relationship is more pure than a client-Professional relationship.
3. Talk and discuss with the doctor. A too busy doctor may not always be the best doctor for you. Plastic surgery is about thinking, planning and execution. A doctor who thinks aloud about your problem ( especially if ut us face, nose, breast etc) is applying his/ her knowledge for your betterment, because every oerson is different.
4. Check the resilts? Look for genuinity.
5. Be wary of arrogant, loud and boisterous people. There is a difference between confidence and fambloyence.
6. Doctors who are attached to reputed hospitals are generally good in their work.
7. A doctor who can talk about probable complications is also a doctor worth trusting.
I hope I am able to do justice to this difficult question. All the best. You can write again if you need any other clarifications.
Dr. Anshuman Manaswi

...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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