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

Ramalingam Kalirajan  |10208 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 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
BHARAT Question by BHARAT on Nov 27, 2023Hindi
Listen
Money

Dear Sir, I am 40 years old and i want to invest Rs.10,000/- per month through SIP in Mutual Funds for the period of 10 Years. Please suggest in which fund i have to invest.

Ans: Considering your investment horizon of 10 years and the desire to invest Rs. 10,000 per month through SIP, it's prudent to opt for mutual funds that offer a balanced approach between growth potential and risk mitigation. You may consider investing in a diversified equity fund or a flexi-cap fund that provides exposure to a mix of large-cap, mid-cap, and small-cap stocks. These funds have the potential to deliver attractive returns over the long term while spreading the risk across various market segments. Additionally, you can explore funds with a consistent track record of performance and low expense ratios to optimize your investment outcomes. Consulting with a financial advisor can help tailor the investment strategy to your specific financial goals and risk profile.
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  |10208 Answers  |Ask -

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

Listen
Money
Dear Sir, I am 40 years old and i want to invest Rs.10,000/- per month through SIP in Mutual Funds for the period of 10 Years. Please suggest in which fund i have to invest.
Ans: Investing in mutual funds through Systematic Investment Plans (SIPs) is a wise decision. At 40, you have chosen the perfect time to plan for your financial future. Investing Rs. 10,000 per month for the next 10 years can build substantial wealth. Let's explore the best mutual fund options to meet your goals.

Understanding SIPs and Their Benefits
SIP allows you to invest a fixed amount regularly in mutual funds. It offers several benefits:

Disciplined Investment: SIP ensures regular savings, promoting financial discipline.
Rupee Cost Averaging: You buy more units when prices are low and fewer units when prices are high, averaging out the cost.
Compounding Effect: Earnings from your investments generate their own earnings, significantly growing your wealth over time.
Assessing Your Investment Goals
Your investment strategy should align with your goals, risk tolerance, and investment horizon. At 40, you might have goals like children's education, retirement, or buying a house. With a 10-year horizon, a balanced approach considering both growth and stability is ideal.

Types of Mutual Funds to Consider
1. Equity Mutual Funds

Equity mutual funds invest primarily in stocks. They offer higher returns but come with higher risks. Given your 10-year horizon, equity funds can provide substantial growth.

Large-Cap Funds: Invest in large, established companies. They are less volatile and provide stable returns.

Mid-Cap and Small-Cap Funds: Invest in medium and small companies. They are more volatile but can offer higher returns.

Multi-Cap Funds: Invest across companies of all sizes, providing a balanced risk-reward profile.

2. Balanced or Hybrid Funds

Balanced funds invest in both equities and debt instruments. They offer a mix of growth and stability. These funds are suitable if you want moderate risk and stable returns.

3. Debt Mutual Funds

Debt funds invest in fixed-income securities like bonds and treasury bills. They are less risky and offer stable returns. These funds are suitable if you prefer lower risk.

4. Tax-Saving Funds (ELSS)

Equity Linked Savings Schemes (ELSS) offer tax benefits under Section 80C. They have a lock-in period of three years and primarily invest in equities. These funds are ideal if you want to save on taxes and earn good returns.

Advantages of Actively Managed Funds Over Index Funds
Actively managed funds have professional fund managers making investment decisions. They aim to outperform the market. In contrast, index funds passively track a market index. While index funds have lower fees, actively managed funds can potentially offer higher returns through expert management.

Benefits of Regular Funds vs Direct Funds
Regular Funds

Expert Guidance: Investing through a Certified Financial Planner (CFP) ensures professional guidance.

Better Decisions: CFPs can help you choose funds that align with your goals and risk profile.

Convenience: CFPs handle all paperwork and administrative tasks, making the process smoother.

Direct Funds

Lower Costs: Direct funds have lower expense ratios as they don’t involve intermediaries.

Self-Management: Requires you to manage and track your investments.

Given your busy schedule and the complexities of financial markets, regular funds through a CFP provide a more comprehensive approach.

Creating a Balanced Portfolio
Diversification is key to managing risk. A well-balanced portfolio might include:

60% Equity Funds: Split between large-cap, mid-cap, and multi-cap funds.

30% Balanced Funds: To ensure stability and moderate returns.

10% Debt Funds: For low-risk, stable returns.

This diversified approach balances growth potential with risk management.

Monitoring and Adjusting Your Portfolio
Regularly review your portfolio with your CFP. The market and your financial goals might change. Adjust your investments accordingly to stay on track.


Your decision to invest systematically shows foresight and financial acumen. At 40, you're taking control of your financial future, which is commendable. Investing Rs. 10,000 monthly through SIPs is a strategic move that will yield significant benefits over time.

Conclusion
Investing in mutual funds through SIPs is a smart way to build wealth. With a balanced mix of equity, balanced, and debt funds, you can achieve your financial goals. Working with a Certified Financial Planner ensures professional guidance, helping you make informed decisions. Stay disciplined, monitor your portfolio, and adjust as needed to ensure financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10208 Answers  |Ask -

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

Listen
Money
Dear Sir, I am 40 years old and i want to invest Rs.10,000/- per month through SIP in Mutual Funds for the period of 10 Years. Currently No investments in Stocks & Mutual Funds, Please suggest in which funds i have to invest.
Ans: Investing Rs. 10,000 per month through SIPs in mutual funds over a 10-year period is a prudent step towards building wealth. Here's a diversified portfolio suggestion to consider:

Large Cap Funds: Allocate a portion of your investment to large-cap funds for stability and steady growth. These funds invest in well-established companies with a track record of performance and stability.
Mid Cap Funds: Diversify your portfolio by investing in mid-cap funds, which focus on companies with moderate market capitalization. These funds have the potential for higher growth compared to large caps but come with slightly higher risk.
Multi Cap Funds: Invest in multi-cap funds to gain exposure across companies of various sizes, providing diversification and flexibility. These funds have the flexibility to invest in large, mid, and small-cap stocks based on market conditions.
Balanced Advantage Funds: Consider allocating a portion of your investment to balanced advantage funds, which dynamically manage their equity exposure based on market valuations. These funds aim to provide stable returns across market cycles.
Index Funds: Include index funds in your portfolio for low-cost exposure to broad market indices like Nifty or Sensex. These funds replicate the performance of the underlying index and offer diversification at a lower expense ratio.
International Funds: Explore international funds to diversify your portfolio geographically. These funds invest in companies listed outside India, providing exposure to global markets and currencies.
Remember to conduct thorough research or consult with a Certified Financial Planner before investing. They can help tailor a portfolio based on your risk tolerance, investment goals, and time horizon. Additionally, regularly review your portfolio's performance and make adjustments if needed to stay on track towards your financial objectives.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10157 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
I have completed class 12 from CBSE with 60% marks. I want to do B.Tech from CBSE and I have not given any other exam. Kindly tell me some college or university for BTech. And my budget is also 2 lakh per annum i.e. including hostel and mess along with tuition everything will come in 10 lakh. I belongs to general EWS category.
Ans: For a general EWS category student with 60% in CBSE Class 12 seeking B.Tech admission in Northern India within a budget of around ?2 lakh per annum inclusive of tuition, hostel, and mess fees, several private engineering colleges offer feasible options. Institutions like Chandigarh University, Lovely Professional University (LPU), and Shobhit University Mohan Nagar provide B.Tech programs with manageable fee structures near or slightly below ?2 lakh annually when including residential costs. These colleges maintain accreditation from bodies such as AICTE and UGC, ensuring regulated academic quality. They offer modern infrastructure, experienced faculty, and structured placement cells with tie-ups to industries for internships and job placements. Admission often occurs through merit-based evaluations for EWS category students without requiring competitive entrance exams like JEE in some management or merit quota seats, or via state-level entrance tests. These colleges emphasize a balanced academic curriculum with practical exposure and offer scholarships or financial aid to EWS students, easing fee burdens. While not among the highest-ranked institutes, they provide a credible platform for technical education with opportunities for campus placements in core and IT sectors, alongside supportive campus life and safety measures.

Recommendation: Choose private engineering colleges like Chandigarh University, Lovely Professional University, or Shobhit University for affordable, holistic B.Tech education within your financial framework. Evaluate their specific branch offerings aligned with your interests and consider direct admission sessions or management quota opportunities for EWS category seats, ensuring solid academic support and placement prospects. Engage early with college admission offices to confirm fee inclusions and scholarship eligibility for your category. All the BEST for a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |10157 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
Is it worth to pursue MSc in Data Science, jointly offered by IIT Madras and University of Birmingham
Ans: The MSc in Data Science and Artificial Intelligence jointly offered by IIT Madras and the University of Birmingham is an 18-month full-time, internationally recognized program that delivers a world-class curriculum with studies split between India and the UK. The program provides flexibility with two tracks—students can either complete their research and electives mostly in Birmingham or return to IIT Madras for the final phase. It integrates rigorous academic coursework with a short industrial placement and a substantial research project co-supervised by experts from both institutions. IIT Madras, renowned for its award-winning pedagogy, strong industry linkages, and top NIRF ranking, combines with the University of Birmingham’s global research excellence and Russell Group status, ranked within the top 100 globally. The dual exposure fosters cross-cultural communication skills, broadens technological perspectives, and deepens understanding of data science and AI, enhancing employability across roles like data scientist, AI developer, machine learning expert, and research scientist. Graduates benefit from robust industry partnerships, international academic collaborations, and career support, positioning them strongly for both the job market and potential further studies globally.

This program offers an exceptional blend of academic rigor, global exposure, practical industrial experience, and cutting-edge research opportunities.

Recommendation: Pursuing the MSc in Data Science jointly offered by IIT Madras and the University of Birmingham is a highly valuable choice that equips students with advanced skills, international perspectives, and strong career pathways in data science and AI through top-tier institutional strengths and global networks. All the BEST for a Prosperous Future!

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

...Read more

Dr Karan

Dr Karan Gupta  |226 Answers  |Ask -

International Education Counsellor - Answered on Aug 11, 2025

Career
Namaskar. Sir please suggest newton school banglore ( gives certificate to S vyasa) & Dayanand sagar university, Dsce banglore csc placement wise please.
Ans: Newton School (Bengaluru, via S-VYASA / Rishihood University)
• Offers an industry-focused B.Tech in CS & AI, recognized by UGC/AICTE, and grants alumni status from both Newton School and Rishihood University
• Placement performance is strong:
o Up to 98% placement rate
o Over 2,500 students placed with hiring partners like Google, Amazon, Razorpay, McKinsey
o Average packages around ?12 LPA, sometimes higher
o For internships, 93% students got offers in 2nd year, averaging ?25,000/month, with top stipends up to ?50,000/month; some even ~?1.25 L/month at Google
Excellent placements and real-world exposure. Strong choice if you're keen on careers in software, AI, data—and flexible later for higher studies or government roles.
Dayananda Sagar College of Engineering (DSCE), Bengaluru
• Has a dedicated placement division with solid support—mock interviews, soft-skill training, etc.
• Placement stats:
o Highest packages range between ?52–56 LPA
o Average placements around ?6–6.5 LPA
o ~55–80% of students get placed
• Specifically for DSU (Dayananda Sagar University):
o In 2024, highest package: ?35 LPA, total offers: 419, with 450+ companies visiting, and several “dream” and international offers
Good options, especially if you're targeting higher packages. But overall placement percentage is lower than Newton, so some students may need to work harder to grab top offers.

...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.

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