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Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 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 28, 2024Hindi
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Hi I have 4 lakhs and want to invest in mutual funds l.could anyone guide me like best mfs to invest

Ans: I commend your decision to invest in mutual funds to secure your financial future. With 4 lakhs in hand, you're taking a step towards building wealth and achieving your goals. Have you considered the power of expert guidance? A Certified Financial Planner can provide personalized recommendations based on your risk appetite and investment horizon, helping you navigate the vast landscape of mutual funds.

Active funds managed by skilled professionals offer the potential for growth and income generation, steering clear of the passive approach. By opting for regular funds with the assistance of a Mutual Fund Distributor, you can benefit from their insights and experience, ensuring a smoother investment journey.

Remember, investing is not just about numbers; it's about planting seeds for your dreams and nurturing them over time. It's about finding alignment between your financial aspirations and the strategies that best suit your needs. Let's embark on this journey together, crafting a roadmap that not only grows your wealth but also enriches your life.
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 Apr 30, 2024

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Ramalingam Kalirajan  |6971 Answers  |Ask -

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

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I have 4 lakhs corpus fund presently kindly suggest best mutual funds..
Ans: Investing a corpus of Rs. 4 lakhs in mutual funds can help you achieve significant growth. Diversifying your investments across different types of funds is essential for balancing risk and return. Here are some recommended options based on different investment horizons and risk appetites.

Large-Cap Equity Funds
Advantages:

Invests in well-established companies.

Lower risk compared to mid-cap and small-cap funds.

Recommendation:

Large-Cap Funds:

Choose funds with a strong track record.

Look for consistent performance over the years.

Mid-Cap Equity Funds
Advantages:

Invests in emerging companies with high growth potential.

Higher returns compared to large-cap funds.

Recommendation:

Mid-Cap Funds:

Opt for funds managed by experienced fund managers.

Check the fund’s performance in various market conditions.

Small-Cap Equity Funds
Advantages:

Invests in smaller companies with significant growth potential.

Higher returns with higher risk.

Recommendation:

Small-Cap Funds:

Select funds with a proven track record.

Ensure the fund manager has expertise in small-cap investments.

Multi-Cap Equity Funds
Advantages:

Diversified across large-cap, mid-cap, and small-cap stocks.

Balanced risk and return.

Recommendation:

Multi-Cap Funds:

Choose funds with a dynamic allocation strategy.

Look for consistent performance across different market cycles.

Hybrid Funds
Advantages:

Combines equity and debt for balanced risk and return.

Suitable for moderate risk appetite.

Recommendation:

Aggressive Hybrid Funds:

Invest in funds with a mix of equity and debt.

Ensure the fund has a strong track record and dynamic asset allocation.

Debt Funds
Advantages:

Provides stable returns with lower risk.

Suitable for conservative investors.

Recommendation:

Corporate Bond Funds:

Focus on high-rated corporate bonds for better yields.

Check the credit quality and consistency of returns.

Short Duration Funds:

Invest in debt securities with short maturity periods.

Ideal for a low-risk investment with steady returns.

Recommended Allocation
Diversification:

50% in Equity Funds:

Split between large-cap, mid-cap, and small-cap funds.

Balances high growth potential with risk management.

30% in Hybrid Funds:

Provides balanced exposure to both equity and debt.

Suitable for moderate risk tolerance.

20% in Debt Funds:

Ensures stability and steady returns.

Ideal for conservative investments.

Key Considerations
Risk Tolerance:

Assess your risk appetite before investing.

Choose funds that align with your risk tolerance.

Investment Horizon:

Longer horizons can afford higher risk for higher returns.

Shorter horizons require more conservative investments.

Regular Monitoring:

Review your investments periodically.

Make adjustments based on market conditions and personal goals.

Professional Guidance:

Consult a Certified Financial Planner for personalized advice.

Align your investments with your financial goals and risk profile.

Final Insights
Investing your Rs. 4 lakh corpus in a mix of equity, hybrid, and debt funds can help achieve balanced growth. Diversify your investments to manage risk and enhance returns. Regularly monitor your portfolio and seek professional guidance to ensure your investments align with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 12, 2024

Asked by Anonymous - Jul 07, 2024Hindi
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Hi, I have around 30 lakhs to invest. I want to invest for long time.can you guide me which MFs to invest for highest return.
Ans: Investing Rs. 30 lakhs is a significant decision. It's essential to align your investments with your long-term goals. Before recommending specific mutual funds, let's break down a few critical aspects. This approach ensures you maximize returns while managing risks effectively.

Time Horizon and Risk Tolerance
A long-term investment horizon is beneficial. It allows you to benefit from the power of compounding. However, it's crucial to assess your risk tolerance. Are you comfortable with high-risk, high-reward investments? Or would you prefer a more balanced approach? Understanding this will help in choosing the right mutual funds.

The Role of Diversification
Diversification is key to managing risk. By spreading your investments across different types of funds, you can reduce the impact of market volatility. Equity mutual funds are often recommended for long-term investments. But, it’s essential to diversify across large-cap, mid-cap, and small-cap funds.

Importance of Actively Managed Funds
Many investors consider index funds or ETFs. However, these may not always be the best option for high returns. Actively managed funds, guided by experienced fund managers, can potentially outperform the market. These funds adapt to changing market conditions, unlike index funds that strictly follow a benchmark.

The Disadvantages of Index Funds
Index funds have lower expense ratios, but they lack flexibility. They mirror the market, meaning they can’t take advantage of opportunities that arise during market fluctuations. Over the long term, actively managed funds often deliver better returns, especially in the Indian market where active management can exploit market inefficiencies.

Regular vs. Direct Mutual Funds
You might also be considering direct mutual funds. While direct funds have lower expense ratios, they require continuous monitoring. A Certified Financial Planner (CFP) can guide you through regular mutual funds. These funds come with the added advantage of expert advice and periodic reviews, ensuring your portfolio stays aligned with your goals.

Benefits of Professional Guidance
Investing through a Certified Financial Planner (CFP) ensures that your investments are professionally managed. CFPs provide valuable insights, periodic reviews, and rebalancing strategies. This service is especially crucial in a dynamic market like India. A well-managed portfolio, guided by a CFP, can outperform self-managed investments.

Risk Management Strategies
While aiming for the highest returns, it's important not to ignore risk management. High-risk funds can offer high returns, but they also come with potential losses. A balanced approach, with a mix of equity, debt, and hybrid funds, can help manage this risk.

Asset Allocation for Long-Term Investment
For long-term goals, a higher allocation to equity funds is typically recommended. However, it’s wise to include some debt funds for stability. This balanced approach ensures your portfolio can weather market volatility while aiming for higher returns.

The Importance of Regular Reviews
Investing is not a one-time activity. Regular reviews and rebalancing are necessary to ensure your portfolio remains aligned with your goals. Market conditions change, and so should your investment strategy. A CFP can help with these regular reviews, ensuring that your investments stay on track.

Consider Tax Implications
Mutual funds are tax-efficient, but it’s important to consider the tax implications of your investments. Long-term capital gains tax (LTCG) applies to equity mutual funds. Understanding the tax impact on your returns can help in planning your investments better.

Avoiding Investment Cum Insurance Policies
If you hold any investment cum insurance policies like ULIPs, it might be wise to reconsider. These policies often come with high charges and lower returns compared to mutual funds. Surrendering these policies and reinvesting in mutual funds could be more beneficial for long-term growth.

Reinvestment Strategy
If you have any existing investments, it’s worth reviewing them. Sometimes, surrendering low-performing investments and reinvesting in well-performing mutual funds can enhance your portfolio’s overall returns.

Finally
Investing Rs. 30 lakhs with a long-term horizon is an excellent strategy. However, the key to maximizing returns lies in choosing the right mix of funds, understanding market dynamics, and staying disciplined. Working with a Certified Financial Planner (CFP) can provide the professional guidance needed to navigate these decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 15, 2024Hindi
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Relationship
I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.
Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

...Read more

Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 02, 2024Hindi
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Hii, I have an love marriage after 9 years of dating and 6 years, 2 children post marriage, my little one is 11 months old now. My husband has an affair upto chatting to someone in his company, his junior but in different department, when my Lil one was 1 month old, we had in a rough patch then due to child birth and family drama. When I saw it and confronted him, he said he is sorry and won't do it again, we had multiple fights for 3-4 months after then due to same reason, but he mostly listen and consol. It's been a lot of mental torture for me. I love my husband a lot and he is a good person, but sometimes sill I see her msg in his phone asking for small helps or casual msg. She is also married. I am not sure my husband deletes msg or what, I am not able to get over this. Before it, this is was preety much a good relationship. I am highly educated and independent women. I don't want anything form my husband apart from love. What should I do, whenever I tell him I want to just leave and let him have his life, he won't let me somehow. We are having a good physical relationship 2-4 times a week( just to tell where we are). Please help me...I can't overcome that he is making fool of me...
Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

Hope this helps.

...Read more

Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 10, 2024Hindi
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Relationship
Hi, Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. Partner(F28)continuing friendship with a person[M] who had crush on her before marriage considered emotional infidelity? Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. My wife is having friendship (strictly platonic) with a guy from her 10tlh grade (same class). Before our marriage (she may be doing her college, our relationship just started may be 2 weeks) this guy told her he has genuine interest in her and he want to take the relationship further if she wants, she said she is not interested in a relationship and she got committed, she always saw him as a friend, no other feelings for him and we can be friends if you don't bring any romantic interest again. He never took this talk again ever after and happy to be a friend. They are talking as friends. She got married to me. He also got married. They still do chats once in a month. She introduced me to him and visited his home when we visited his city. He also came to our home once (me and my family was there). She used to update me with chat she had with him and the content they are chatting. I am ok with that When we were talking about our school life and college life 2 years before. She said this guy had crush on her during her college days. I asked her, why did not she tell me this info till now. She said it is not purposely, she does not feel the need to do as the person is not in-appropriate with her and continuing as good friend as promised after she rejected his proposal. I don’t want to create any unnecessary issues as I don’t have any felling or so with him. That time I checked their chats completely, it’s about update about their common friends, their recent travel, their job, meditation courses and the books they read recently. I haven’t seen any flirting or romantic message from either of them. So I am perfectly fine with it and had no problems. I recently came to know about the concept of emotional cheating which is very new to me. Before that cheating to me is only flirting, sexeting and physical sex. I have asked for advice in redddit.com in infedility sub forum about emotional cheating/ emotion affair. There persons are advising like even having friendship with someone who had crush on you is emotional cheating as it is indirectly leading them on you. So with an omission of lie he had crush on her and indirectly leading him on you wife was emotionally cheating on you. This is very much equal to cheating. I do have lots of friends in other gender, but no one had crush on me. Does this count as emotional cheating/affair as she did not mention he had crush on her before marriage? I am little depressed and not able to spend quality time with my wife who is in postpartum depression and take care of our daughter properly as before. Do you guys advise me how to navigate this situation?
Ans: Dear Anonymous,
Are you really going to ruin your happy relationship based on some new term you have learned recently? Emotional cheating and many more terms of the kind will come and go, what truly matters is the truth. She is merely friends with this guy and for your peace of mind, you have even checked their conversations- what part of it looks like cheating to you? If tomorrow, some random person projecting their own insecurities claims that a man speaking to a woman is some "new form" of cheating, would you start believing that? My point is that these are just random opinions of some people- it isn't the ultimate truth. The entire context matters. This man had a crush on your wife, she rejected it, and now they are just friends. I find absolutely no misconduct or infidelity in this. The fact that none of your friends had a crush on you does not factor in at all. Moreover, your wife is in postpartum depression- that should be your biggest concern but here you are, giving more importance to the random 2 AM thoughts of some people you don't even know. Please rethink if you are being fair to your wife- the mother of your child.

Best Wishes

...Read more

Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Oct 26, 2024Hindi
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Relationship
I (30M) am looking for Arranged Marriage Prospects. My Family has found a Prospect (27F) who seems like a Good Match, she's Well Educated, Earning Well & from the same Community. I haven't yet met her in Person, but connected with her on Social Media Platforms & interacting regularly. Recently, I scrolled through her Instagram Profile (It's a Public Profile). She seems to be a very Sociable Person, she has shared many Photos of herself, Partying/Travelling along with her Friends. My Problem is that she seems to like Wearing Clothes which are Revealing. She has shared many Photos/Videos, in which she's skimpily dressed (including some Bikini Photos at Beach/Swimming Pool). She also has a Pierced Navel Ring & Tattoos on some Private Parts like Chest, Hips, Thighs & Lower Back, which she flaunts proudly on Social Media. Though, I am not Judging her Character, based on her Choice of Clothing, but seeing all these made me a little Uncomfortable, as I am a very Modest & Simple Person myself. I have not discussed this issue with my Parents, as they have a very good opinion about her (which I don't want to Ruin). But I've discussed with some of my closest Friends (of both Genders) & some of them have Chided me for being so Judgemental. They suggested me to meet her atleast once in person, to understand what's her Character/Personality like. Shall I give it a try or Reject her Politely at this stage itself, without wasting any more Time (either her or mine)? Or am I being too Superficial to Judge a Woman, just based on her Social Media Profile, without even meeting her once, personally (This is what some of my closest Female Friends opined)? Please suggest me how to proceed with this Prospect in Arranged Marriage.
Ans: Dear Anonymous,
I know it might come off as you being judgmental of her choice of dressing, but you have a right to form an opinion in your mind, especially since in your case, you might be marrying the person. As long as you are not making up your mind about her based on her dressing, forcing her to dress the way she wants, or thrusting your opinion on her, it's alright. It's human nature to be a bit jerked by the choices others make that we won't make ourselves. Having said that, I believe meeting her once in person can be good for you; you might have a new perspective- both about her and on life. But no one can force you to do either. My suggestion is that do what you think is right- if you are sure you will reject this alliance based on her choice of clothes, even if she is the nicest person on the face of the earth, meeting up might be a waste of time. But if you think you are open to changing your mind, go for it.

I would also like for you to remember one important point if things work out between the two of you- do not try to push your opinions on dressing and change the way she is after getting married. That would not be fair. In case, you start hoping that she will change and fit YOUR mold of the perfect woman, I would strongly suggest keeping that thought in check.

Best Wishes.

...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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