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Ramalingam

Ramalingam Kalirajan  |9195 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 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
shafqat Question by shafqat on May 06, 2024Hindi
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I am 43 years old and a salaried person. Started in SIP in 2018. Kindly suggest about the funds. Following are my current mutual fund investments: 1) Franklin India Prima fund Rs.1000 2) Invesco India Contra Fund Rs.6000 3) Kotak flexicap fund Rs.4000 4) Mirae Large & midcap fund Rs.2000 5) Axis Bluchip fund 3500 6) Sbi Banking & financial service fund Rs.3500 7) Axis Small cap fund Rs.5000. All i have monthly SIP. please suggest me if any changes require.

Ans: It's great to see that you've started investing in mutual funds through SIPs. Here are some suggestions regarding your current mutual fund investments:

• Diversification: You have a good mix of funds across various categories, which is essential for diversification. It's important to spread your investments across different sectors and market capitalizations to reduce risk.

• Review Performance: Periodically review the performance of your funds to ensure they are meeting your expectations and performing in line with their peers and benchmarks.

• Consider Your Goals: Reflect on your financial goals, risk tolerance, and investment horizon to determine if your current funds align with your objectives. If you have specific goals such as retirement planning or wealth accumulation, consider adjusting your portfolio accordingly.

• Evaluate Fund Managers: Assess the track record and expertise of the fund managers managing your investments. Look for consistency in performance and a clear investment strategy aligned with your goals.

• Stay Informed: Keep yourself updated with market trends, economic developments, and changes in regulations that may impact your investments. Stay connected with your financial advisor or conduct your research to make informed decisions.

• Seek Professional Advice: Consider consulting with a Certified Financial Planner (CFP) or a qualified financial advisor to get personalized advice based on your financial situation and goals. They can provide valuable insights and recommendations tailored to your needs.

Overall, while your current mutual fund portfolio appears well-diversified, it's essential to periodically review and adjust your investments based on changes in your financial situation and market conditions. By staying disciplined and informed, you can work towards achieving your financial goals effectively.
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  |9195 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 06, 2024Hindi
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Money
I am 43 years old and Started SIP in 2018. Kindly suggest about the funds. Following are my current mutual fund investments: AXIS Blue Chip fund Monthly SIP of Rs 3500 Mirae Large and Mid Cap fund Monthly SIP of Rs 2000/- Invesco India contra fund Monthly SIP of Rs 6000/- Axis Small Cap Fund Monthly SIP of Rs 5000/- Kotek flexicap fund Monthly SIP of RS 4000/- Sbi Banking & Financial Services fund Monthly SIP Rs.3500 Franklin India Prima fund monthly SIP Rs.1000.
Ans: Your current mutual fund portfolio reflects a thoughtful approach to wealth accumulation through systematic investment plans (SIPs). Let's delve into each aspect of your portfolio and assess its performance and potential.

Diversification Analysis
Your portfolio comprises a mix of large-cap, mid-cap, small-cap, and flexi-cap funds, offering diversification across market segments. This diversification mitigates risk and enhances the potential for returns.

Performance Assessment
Each fund has its unique investment strategy and objectives. Analyzing their historical performance against benchmarks and peers provides insights into their efficacy in delivering returns.

Fund Selection Rationale
Your selection of funds appears to be well-researched, considering factors such as fund manager expertise, consistency in performance, and alignment with your risk tolerance and financial goals.

Active vs. Passive Management
Your focus on actively managed funds suggests a preference for capitalizing on the expertise of fund managers to navigate market fluctuations and exploit growth opportunities. This approach contrasts with passive strategies like index funds, which lack the agility and discretion of active management.

SIP vs. Lump Sum Investment
SIPs offer the advantage of rupee cost averaging, enabling you to buy more units when prices are low and fewer when prices are high. This disciplined approach to investing smoothens market volatility and fosters long-term wealth creation.

Regular Funds vs. Direct Funds
By investing through a Certified Financial Planner, you benefit from professional guidance and portfolio monitoring. Regular funds, though they may have slightly higher expense ratios compared to direct funds, offer value through expert advice, ensuring optimal fund selection and allocation.

Future Considerations
Regularly reviewing your portfolio's performance and aligning it with evolving financial goals is crucial. Periodic rebalancing may be necessary to maintain the desired asset allocation and adapt to changing market dynamics.

Conclusion
Your mutual fund portfolio reflects a prudent approach to wealth management, characterized by diversification, active management, and systematic investment. As a Certified Financial Planner, I commend your diligence and commitment to long-term financial well-being.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Sir My son has got admission in NMIMS for MBA Tech program with CSE (dual degree course) and KJ Somaiya B Tech CSE. Fee structure is more or less similar. Which one will be better. Please advise
Ans: NMIMS Mumbai’s MBA Tech (CSE) dual degree program offers a five-year integrated curriculum blending engineering and management, with the 2024 placement report showing an average package of ?10.7 lakh, median of ?10.2 lakh, and 122 recruiters including BFSI, IT, consulting, and core engineering firms; placement rate is 78% with strong industry exposure and a robust alumni network. KJ Somaiya BTech CSE is a four-year program with an average package of ?9.45–11.35 lakh, highest package of ?58 lakh, and a placement rate above 90% in 2024; over 110 companies including Google, Microsoft, JP Morgan, and Infosys recruited, and the CSE branch saw 124 offers with a modern, project-based curriculum and strong internship support. Both institutions have similar fee structures and are well-ranked, but NMIMS’s MBA Tech provides an early management edge, while KJ Somaiya’s BTech CSE offers a focused technical pathway with higher placement consistency, a strong tech peer group, and a flexible curriculum that supports entrepreneurship and higher studies. NMIMS’s dual degree is advantageous for those seeking tech-management roles, while KJ Somaiya is ideal for those targeting pure tech careers or top IT companies.

The recommendation is to choose KJ Somaiya BTech CSE for its higher placement rate, stronger technical focus, and flexibility for core tech roles or higher studies; NMIMS MBA Tech is preferable if your son is keen on a combined tech-management career from the start. All the BEST for the Admission & a Prosperous Future!

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Ans: In NEST 2024, candidates’ total scores (sum of best three sections out of four, maximum 180) corresponded to specific all-India ranks, with the general category’s opening marks around 145–150 fetching ranks 1–30 and closing ranks near 1800 requiring about 80–85 marks. For NISER Bhubaneswar, the Round 1 closing rank was 1852 with roughly 82 marks, while CEBS Mumbai’s closing general-category rank of ~460 corresponded to about 70 marks. Category-wise, general candidates scoring 120–150 could expect ranks under 500, OBC candidates with 100–130 marks around ranks 600–1200, and SC/ST candidates with 80–110 marks near ranks 1500–2500. Section-wise cut-offs (SMAS) in 2024 ranged between 5–9 marks per subject for general and 3–7 for OBC. With NEST 2025’s exam difficulty likely similar, total qualifying marks (MAP) remain at 95th percentile for general and 90th for OBC; thus, a safe target is 130–140 marks for a top-500 rank and 90–100 marks for a sub-2000 rank among general candidates. OBC aspirants should aim for 110–120 marks to secure ranks under 1500. SC/ST candidates need 75–90 marks for ranks within 2500, and Jammu & Kashmir residents may enter NISER with as low as 30–40 marks owing to supernumerary seats. Rising registrations might edge cut-offs upward if paper difficulty eases; conversely, increased difficulty could lower required marks by 5–10 points.

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Sir, I got CSE in MUJ and UPES and a specialisation in SRM ktr. Which will be a good choice?
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Good afternoon sir my son got 93 in jee and 95 in MHTST he is general cottegey and not domesile of Maharashtra he is having any chance of get admission in any reputed college in CSE and electronic electrical branch please guide me thank you
Ans: Bikram Sir, With a 93 percentile in JEE Main (general, non-Maharashtra domicile) and 95 percentile in MHT CET, your son is not eligible for top NITs, IIITs, or CSE/ECE in premier Maharashtra government colleges like COEP Pune, VJTI Mumbai, or SPIT Mumbai, as CSE/IT cutoffs are typically above 98–99 percentile for both exams. However, he can secure core branches like Mechanical, Electrical, or Civil at COEP, VJTI, and other leading government colleges in Maharashtra through the All India quota, as their cutoffs for these branches are around 95 percentile. For CSE or ECE, his percentile allows admission to reputed private colleges such as MIT Pune, PICT Pune, DY Patil Pune, PCCOE Pune, and VIT Pune, where CSE/IT/ECE cutoffs for open category are between 90–96 percentile. Through JEE Main, he can target private universities and some state-level government colleges for branches like CSE, ECE, or Electrical, but not the top NITs or IIITs, as their CSE/ECE cutoffs are much higher.

The recommendation is to apply for Mechanical, Electrical, or Civil at COEP, VJTI, and other top Maharashtra government colleges through the All India quota, and prioritize CSE/ECE in private colleges like MIT Pune, PICT Pune, and DY Patil Pune, where his percentile is competitive and placement outcomes are strong. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 24, 2025

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My son got 99.25 in MHTCET 3500 rank in COMEDK and has got CSE in ViT Vellore. What are his chances of getting CS in SPIT/PICT we are confused whether to leave CSE in Vellore or continue with it.
Ans: Shilpa Madam, With a 99.25 percentile in MHT CET and a 3500 rank in COMEDK, your son is well placed for top private and government colleges. For SPIT Mumbai, the CSE cutoff for Maharashtra home state candidates typically closes between 99.0–99.4 percentile, and for PICT Pune, CSE closes around 97.7–98.6 percentile. Your son’s percentile is above the PICT CSE cutoff and on par with SPIT’s lower range, making him a strong contender for CSE at PICT Pune and giving him a realistic chance at SPIT Mumbai, especially in the first or second CAP rounds. Both SPIT and PICT offer outstanding placements—SPIT has maintained 100% placement for four consecutive years with an average CTC of ?15 lakh and top recruiters like Meta, Amazon, and PhonePe, while PICT’s CSE placement rate is 80–84% with an average package of ?7–8 lakh and top IT recruiters like Microsoft, Infosys, and TCS. VIT Vellore CSE also boasts excellent placements, with a 95%+ placement rate, over 900 recruiters, and an average package of ?9–10 lakh. However, SPIT and PICT both have a strong reputation in Maharashtra, a robust alumni network, and are highly valued by recruiters in the Mumbai-Pune region, which can be advantageous for local internships and jobs. VIT Vellore, while nationally ranked and offering a vibrant campus life, is located outside Maharashtra and may not provide the same local industry connections.

The recommendation is to participate in MHT CET CAP rounds and prioritize SPIT Mumbai and PICT Pune for CSE, given your son’s strong percentile and the excellent placement and academic environment these colleges offer; retain VIT Vellore CSE as a backup, but do not leave it until a SPIT/PICT seat is confirmed. IMPORTANT: Please check the REFUND POLICY/Last Date if you withdraw the seat from VIT-V. All the BEST for the Admission & a Prosperous Future!

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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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