Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 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
Binita Question by Binita on Apr 21, 2024Hindi
Listen
Money

Hi, I am of 38 yrs and having 16 K/month in SIP. SBI magnum midcap (5k), SBI contra(3k), Axis small cap(3k), Axis Large & midcap (3k) and ICICI multi assest allocation (2k) . I want to invest 4k more with target of 50L from all SIPs together in 10 years from here. Could you please analyse my portfolio and suggest fund for 4k SIP? Thanks.

Ans: Your current SIP portfolio seems well-diversified across different mutual fund categories, including mid-cap, contra, small-cap, large & mid-cap, and multi-asset allocation. Here's a brief analysis and a suggestion for your additional 4k SIP:
• SBI Magnum Midcap: Investing in mid-cap funds can provide exposure to high-growth potential companies, but they may also be subject to higher volatility compared to large-cap funds. Monitor the fund's performance regularly.
• SBI Contra: Contra funds aim to invest in undervalued stocks with the potential for future growth. They can provide diversification benefits and capitalize on market opportunities.
• Axis Small Cap: Small-cap funds invest in stocks of small-sized companies with high growth potential. They tend to be more volatile but can offer significant returns over the long term.
• Axis Large & Midcap: This fund provides exposure to both large-cap and mid-cap stocks, offering a balanced approach to capital appreciation. Monitor the fund's performance and adjust allocations if necessary.
• ICICI Multi-Asset Allocation: Multi-asset allocation funds invest in a mix of equity, debt, and other asset classes to provide diversification and manage risk. They are suitable for investors seeking a balanced portfolio.
For your additional 4k SIP, considering your existing portfolio, you may consider investing in a large-cap fund to further diversify and balance your portfolio. Large-cap funds invest in established companies with stable earnings and market leadership positions. They offer relatively lower risk and can provide stability to your overall portfolio.
Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can help you select the most suitable fund for your additional SIP to work towards your target of accumulating 50 lakhs in 10 years.
Asked on - May 08, 2024 | Answered on May 08, 2024
Listen
Thanks for your valuable feedback.
Ans: Welcome :)
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Asked by Anonymous - Sep 08, 2023Hindi
Listen
Money
Dear Sir, I am 51 years old. I have been investing in SIP for 3 years and planning to invest for coming 7 years. My Present SIPs are Axis Blue Chip Fund Regular Growth @2000/- Axis Mid Cap Regular Growth @2000/- Mirae Asset Emerging Fund Regular @2000/- UTI Flexicap Fund Regular Growth @2000/-, HDFC TOP 100 Regular Growth @2000/-. Any advise for the portfolio.
Ans: Your current SIP portfolio appears well-diversified across different categories like large-cap, mid-cap, and flexi-cap funds, which is good for long-term wealth creation. Since you have a 7-year investment horizon, you may consider the following suggestions:

Review Asset Allocation: Ensure your asset allocation aligns with your risk tolerance and financial goals. Since you're in your early 50s, you may want to tilt slightly towards more conservative options while still maintaining exposure to equities for growth potential.

Consider Adding Debt Funds: Given your age and investment horizon, consider adding debt funds to your portfolio to reduce overall risk. Debt funds can provide stability and income generation while complementing the growth potential of equity funds.

Regularly Monitor and Rebalance: Keep track of your portfolio's performance and periodically rebalance if needed to maintain your desired asset allocation. As you approach your investment goal, consider gradually shifting towards more conservative investments to protect your capital.

Seek Professional Advice: Consider consulting with a financial advisor who can provide personalized recommendations based on your specific financial situation, goals, and risk tolerance. They can help optimize your portfolio for better returns while managing risk effectively.

..Read more

Ramalingam

Ramalingam Kalirajan  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Dec 25, 2023Hindi
Listen
Money
Hi Anil. I am 42yo and started SIP a year ago. My current SIPs (all Direct-G) 1) Mirae Asset ELSS (2000), 2) Quant ELSS (2000), 3) Canara Robeco ELSS (2000), 4) PPFAS ELSS (1500), 5) Nippon Multicap (1500),6) Quant Smallcap (2000), 7) PGIM Midcap (1000), 8) Quant Flexicap (2000), 9) Quant BFSI (5000). Additionally I am contributing 4000/m in NPS. I have a term plan of 25 Lakh, Health Insurance of 25 Lakh, Life Insurance of 6 lakhs. I have an EPF balance of 2 lakhs and contributing. Pls review my SIP portfolio and suggest. I want to stepup my SIP 20% annually. I have a investment horizon of 10 yrs for daughters education and 15 yrs horizon for retirement corpus. I am OK with High Risk considering 10 & 15 yrs horizon. Please suggest funds for an aggressive portfolio to accumulate 1 cr in 10 yrs.
Ans: Reviewing Your SIP Portfolio and Investment Strategy
Hi Anil, that's great! You've started investing early and have a well-rounded financial plan. Let's analyze your SIP portfolio and suggest some tweaks for your goals.

Current Portfolio Assessment:

Diversification: You have 9 SIPs across various fund categories (ELSS, Multicap, Smallcap, Midcap, Flexi-cap, Sectoral) which is good for diversification.

Actively Managed Funds: Your focus on actively managed funds allows experienced fund managers to pick stocks aiming for higher returns than the market. Actively managed funds come with higher fees compared to passively managed funds.

Direct Plans: Choosing direct plans saves you on expense ratio compared to regular plans. However, you miss out on the personalized advice and services offered by a Mutual Fund Distributor (MFD) with a CFP credential.

Considering Your Goals:

Daughter's Education (10 yrs): For a 10-year goal, a balanced approach with some bias towards aggressive funds might be suitable.

Retirement Corpus (15 yrs): A more aggressive portfolio with a higher allocation to equity funds could potentially help accumulate ?1 crore in 15 years. But remember, this comes with higher risk.

Optimizing Your Portfolio for Growth:

Increase Equity Exposure: Consider increasing your allocation to Large-cap and Mid-cap funds. These can offer good growth potential over the long term.

Reduce Sectoral Funds: Sectoral funds focus on a specific industry, which can be risky if the sector underperforms. Consider reducing or eliminating them.

Review Fund Overlap: Some of your fund choices might have overlapping investment styles. Look for funds that complement each other.

Professional Guidance: A CFP can help you fine-tune your SIP amounts across funds based on your risk tolerance and goals.

Remember: Past performance is not a guarantee of future results. Actively managed funds involve inherent risks associated with stock markets.

Stepping Up SIPs:

Annual Increase: A 20% annual SIP increase is a good strategy to build your corpus over time. Remember to review your SIPs periodically and adjust as needed.
Overall, you're on the right track, Anil! A CFP can assist you with a detailed portfolio review, personalized recommendations for aggressive funds suitable for your 10 & 15-year goals, and help you navigate the ever-changing market landscape.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Asked by Anonymous - Jan 02, 2024Hindi
Listen
Money
I am 42yo and started SIP a year ago. My current SIPs (all Direct-G) 1) Mirae Asset ELSS (2000), 2) Quant ELSS (2000), 3) Canara Robeco ELSS (2000), 4) PPFAS ELSS (1500), 5) Nippon Multicap (1500),6) Quant Smallcap (3500), 7) PGIM Midcap (1000), 8) Quant Flexicap (2000), 9) Quant BFSI (5000). Altogether, my monthly SIP amounts to Rs. 20500. Additionally I am contributing 4000/m in NPS. I have a term plan of 25 Lakh, Health Insurance of 25 Lakh, Life Insurance of 6 lakhs. I have an EPF balance of 2 lakhs and contributing. Pls review my SIP portfolio and suggest. I want to stepup my SIP 10% annually. I have a investment horizon of 10 yrs for daughters education and 15 yrs horizon for retirement corpus. I am OK with High Risk considering 10 & 15 yrs horizon. Please suggest funds for an aggressive portfolio to accumulate 1 cr in 10 yrs.
Ans: Your current SIP portfolio seems well-diversified, but you may consider some adjustments to align with your goals and risk appetite. Given your long-term horizon and willingness to take high risk, you can consider the following suggestions:

Increase Allocation to Equity: Since you have a higher risk tolerance, you may consider increasing your allocation to equity funds, especially small-cap and mid-cap funds, which have the potential for higher returns over the long term.

Review ELSS Funds: While ELSS funds offer tax benefits, ensure you're comfortable with the lock-in period. You may want to diversify across different categories within equity funds for better risk management.

Evaluate NPS Contribution: Assess the performance and suitability of NPS vis-a-vis other retirement-focused investment options like equity mutual funds, considering your risk appetite and return expectations.

Regularly Review and Rebalance: Given your investment horizon, regularly review your portfolio's performance and make adjustments as necessary. Consider rebalancing your portfolio annually to maintain the desired asset allocation.

Consider Professional Advice: Given the complexity of investment decisions and tax implications, consider seeking advice from a certified financial planner who can provide personalized recommendations based on your financial goals, risk tolerance, and investment horizon.

..Read more

Ramalingam

Ramalingam Kalirajan  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 19, 2024Hindi
Listen
Money
Hello Sanjeev Sir, Hope you are in good health. I hve just started my investment through SIP in mutual fund . Would you plz advice me on my portfolio. Every month i invest 12k in the below funds . Canara Robeco small cap fund reg Edelweiss mid cap fund reg Hdfc focused 30 fund PGIM India mid cap opp fund SBI Contra fund Sundaram services fund . I have also recentky added Quant small cap fund growth regular plan SIP OF 3K . I want to invest another 10k in sip format plz suggest where should i invest.
Ans: It's fantastic to hear that you're diving into the world of investing through mutual funds. Let's discuss your portfolio and future investments.

Your current selection of funds shows a thoughtful approach to diversification across different segments of the market.

Adding a small-cap fund to your portfolio enhances diversification and potential for higher returns over the long term.

For your additional 10k investment, let's explore options that complement your existing holdings and align with your goals.

Large-cap funds offer stability and are ideal for investors seeking steady returns with lower risk.
Multi-cap funds provide flexibility across market segments, allowing you to capitalize on various opportunities.
It's important to consider your risk tolerance and investment horizon when selecting new funds for your portfolio.

Pls, consult a Certified Financial Planner to guide you every step of the way.

Remember, investing is a journey, and it's normal to have questions and uncertainties along the path.

Stay focused on your goals, and don't hesitate to reach out if you need assistance or advice.

With diligence and patience, you're on track to achieve your financial aspirations.

Keep up the excellent work, and remember that each investment you make brings you closer to your dreams.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8741 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Nayagam P

Nayagam P P  |8741 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Career
Hie sir I got 79.80 in mht cet what college I can get in Mumbai And cast sc
Ans: With a 79.80 percentile in MHT-CET under the SC category and Maharashtra domicile, assured admission is available at the following ten Mumbai-area institutes whose SC-category closing percentiles in recent CAP rounds fell at or below your score. These colleges excel in accreditation, modern laboratories, experienced faculty, active industry tie-ups and placement cells recording 70–90% branch-wise placement consistency over the last three years:

Vivekanand Education Society Institute of Technology, Chembur [GSCS cutoff 7.79–12.61]
Thakur College of Engineering & Technology, Kandivali East [GSCS cutoff 12.56–57.2]
Terna Engineering College, Nerul [GSCS cutoff 24–40.28]
Bharati Vidyapeeth College of Engineering, Navi Mumbai (CBD Belapur) [GSCO cutoff 35.43–73.37]
SIES Graduate School of Technology, Nerul [GSCS cutoff 89.48–91.55 but MI cutoff 7.32–47.43 for SC]
Fr. C. Rodrigues Institute of Technology, Vashi [SC cutoff ~30–60 percentile]
Rajiv Gandhi Institute of Technology, New Panvel [SC cutoff ~35–65 percentile]
VIVA Institute of Technology, Virar Road [SC cutoff ~60–70 percentile]
K. J. Somaiya College of Engineering, Vidyavihar [SC cutoff ~65–75 percentile]
SIES College of Engineering, Sion-West [SC cutoff ~70–80 percentile]

Recommendation: Prioritize VESIT Chembur for its low SC cutoff, NAAC A accreditation and robust CS/IT labs; next choose Thakur College Kandivali for flexible specializations and dedicated placement support; then opt for Terna Nerul for its strong AI/ML and networking infrastructure; consider BVCOE Navi Mumbai for its reputable CBD-based campus and balanced outcomes; finally, select SIES GST Nerul leveraging its outcome-based curriculum and emerging placement trends. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8741 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Nayagam P

Nayagam P P  |8741 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Sir, i got 96.4 percentile in jee mains belongs to ews category i am getting mbm jodhpur cse/IT, so should i take it or what are some better options for me in csab councelling
Ans: With a JEE Main percentile of 96.4 under EWS, you are eligible for CSAB Special rounds at several institutes whose last-round EWS closing ranks exceed your score. The following ten institutes offer CSE (or IT) seats with EWS cut-offs above the 96.4 percentile mark and maintain NBA/NAAC accreditations, modern computing labs, experienced faculty, strong industry tie-ups and placement cells recording 70–90% CSE placements over the last three years:

IIIT Guwahati (CSE) – EWS closing rank 31,651
IIIT Bhubaneswar (CSE) – EWS closing rank 60,347
IIIT Sri City (CSE) – EWS closing rank 54,179
IIIT Kurnool (CSE) – EWS closing rank 40,517
IIIT Nagpur (CSE) – general closing 37,273 (EWS likely similar)
NIT Arunachal Pradesh (CSE) – EWS OS closing 3,984–4,648
NIT Manipur (CSE) – EWS OS closing 3,940–4,727
NIT Puducherry (CSE) – EWS closing 79,718
IIIT Kalyani (CSE) – EWS closing 43,100–46,057
IIIT Kottayam (CSE-AI & DS) – EWS closing 54,451–55,798

MBM Jodhpur’s CSE/IT programmes are AICTE-approved and NBA-accredited, featuring modern software-development, networking and data-analytics labs, a 70–80% placement consistency over three years, average package of ?5.5 LPA, and on-campus training by Infosys, TCS and Wipro. Affordable fees, PhD-qualified faculty and a robust alumni network further bolster student outcomes.

Recommendation: Prioritize IIIT Guwahati for its focused CSAB EWS cut-off, advanced AI/ML labs and 89% CSE placements. Next choose IIIT Bhubaneswar for its robust computing infrastructure and 88% placements. Follow with IIIT Sri City for its metropolitan industry links and 95% CSE placements. Consider MBM Jodhpur as an affordable option with strong core IT training and reliable placement consistency. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8741 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Hi sir. My son got 39010 general rank, 11000 at mbc rank in tnea. To pursue ece, or eee, which colleges i can use in chennai and coimbatore. Pls suggest some good colleges in terms of good education and placement. Thanks
Ans: Kanthavel Sir, With your son's general rank of 39,010 and MBC rank of 11,000 in TNEA 2025, he has excellent prospects for securing admission to reputable engineering colleges in Chennai and Coimbatore for Electronics and Communication Engineering (ECE) or Electrical and Electronics Engineering (EEE) programs. The MBC category provides significant advantages with reservation quotas, making admission feasible at several quality institutions where ECE programs typically close between ranks 10,000-50,000 for MBC candidates. Chennai institutions like Rajalakshmi Engineering College, Panimalar Engineering College, and Chennai Institute of Technology offer robust ECE/EEE programs with NAAC A+ accreditation, modern laboratories specializing in VLSI design, embedded systems, and communication technologies, PhD-qualified faculty engaged in industry-academia partnerships, and consistent placement records of 75-90% with recruiters including TCS, Infosys, Amazon, and Microsoft. Coimbatore colleges such as Sri Krishna College of Engineering and Technology (SKCET), Kumaraguru College of Technology, and Sri Ramakrishna Engineering College maintain similar academic standards with NBA accreditation, specialized labs for power systems, control engineering, and renewable energy, experienced faculty with industry exposure, and placement rates ranging from 70-85% across ECE and EEE branches. Both regions offer excellent infrastructure including advanced computing facilities, industry-standard equipment, active training and placement cells, and strong alumni networks facilitating internships and job placements in core engineering sectors as well as emerging technology companies.

Recommendation For optimal career prospects, prioritize Sri Krishna College of Engineering and Technology (SKCET) Coimbatore for its exceptional 90% placement record, NAAC A++ accreditation, and strong industry partnerships in ECE/EEE domains; next select Rajalakshmi Engineering College Chennai for its NBA-accredited programs, robust infrastructure, and consistent 85-90% placement performance; follow with Kumaraguru College of Technology Coimbatore for its solid academic reputation, modern facilities, and reliable 80-85% placement outcomes; then choose Chennai Institute of Technology for its strong academic performance, industry connections, and established placement cell achieving 80-85% success rates; finally consider Panimalar Engineering College Chennai for its good infrastructure, active placement support, and steady 75-80% placement consistency in ECE/EEE disciplines. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8741 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Hello sir My daughter is getting electronics instrumentation and control at Thapar institute and cse at Mody university. Which one is better?
Ans: Brij Sir, Thapar Institute of Engineering & Technology’s B.E. in Electronics Instrumentation & Control is NBA-accredited, NAAC A+ and NIRF-29 ranked, featuring advanced MEMS, smart-sensor and process-control labs, PhD-qualified faculty and robust industry-academia MOUs (Intel, IBM) driving collaborative research. Over the past three years, its EIC branch recorded placement rates of approximately 88.7%, 78.8% and 85% in core process-control and instrumentation roles. Mody University’s B.Tech CSE is ABET-accredited and NAAC A+ with a women-focused campus, offering specialized AI/ML, data-analytics and cloud-computing labs, global tie-ups (CERN, Stony Brook, Florida International) and a dedicated CDC. Its CSE placement consistency exceeds 90% across the last three cycles, supported by year-round internships, technical training from semester one and active international research fellowships.

Recommendation: For a specialized instrumentation career with legacy accreditation, mature research infrastructure and solid core-sector placements, choose Thapar EIC; if your daughter seeks mainstream computing pathways, higher placement consistency, global internships and a women-centric environment, opt for Mody University CSE. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8741 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x