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Hemant

Hemant Bokil  | Answer  |Ask -

Financial Planner - Answered on May 25, 2023

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more
Sanjay Question by Sanjay on May 23, 2023Hindi
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Hi I am 45 without any liability, I can invest about 2 lacs monthly. I have 10 Cr net worth goal, please suggest appropriate SIP investments.

Ans: you can start sip in HDFC sensx fund PGIM mid cap opportunities fund Nippon small cap fund and PPFAS flexi cap fund
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  |9189 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Hello sir.. I am 37 years old. Dont have any investiments as of now.. I can invest 15k per month for long term. Please suggest me some SIP OPTIONS Which suits for me
Ans: It's great that you're considering investing for the long term at 37. SIPs (Systematic Investment Plans) are an excellent way to start building wealth gradually. Here are some suggestions for SIP options that could suit you:

Diversified Equity Funds: Opt for SIPs in diversified equity funds that invest across various sectors and market capitalizations. These funds offer growth potential over the long term while spreading risk across different segments of the market.

Large Cap Funds: Consider investing in large-cap funds, which primarily focus on well-established companies with a track record of stable performance. These funds offer relatively lower risk compared to mid and small-cap funds while still providing opportunities for growth.

Multi-Cap Funds: Multi-cap funds invest in companies across the market capitalization spectrum, offering a balance of growth and stability. These funds adapt to changing market conditions, making them suitable for long-term investors seeking diversification.

Balanced Funds: If you prefer a balanced approach, consider SIPs in balanced funds, which invest in both equities and debt instruments. These funds offer a mix of capital appreciation and income generation, making them suitable for conservative investors.

Sectoral Funds (Optional): If you have a strong conviction about a specific sector's growth potential, you may consider SIPs in sectoral funds. However, keep in mind that sectoral funds carry higher risk due to their concentrated exposure.

When selecting SIP options, consider factors such as your risk tolerance, investment goals, and investment horizon. Additionally, review the fund's track record, fund manager's expertise, and expense ratio before making a decision.

Remember, consistency and patience are key when investing through SIPs. Stay committed to your investment plan, and over time, you can potentially build a significant corpus for your future financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9189 Answers  |Ask -

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

Asked by Anonymous - May 08, 2024Hindi
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I am 35 years old and serve govt Job. Could you please suggest my SIP investment to start up with goal of fund accumulation after 20 years.Thanks in advance.
Ans: That's fantastic that you're thinking about your child's education so early! Starting early allows you to leverage the power of compounding to grow your savings. Let's explore some smart ways to save for your child's future.

Factors to Consider

Education Costs: Research future education costs, considering inflation.
Investment Timeframe: You have a good 8-year window, which is great for investment growth.
Investment Options for Growth

Here are some options to consider for your child's education fund:

Equity Mutual Funds: Invest in a diversified mix of equity funds for potentially higher returns over the long term.

SIP (Systematic Investment Plan): Set up a monthly SIP to invest regularly and benefit from rupee-cost averaging.

Actively Managed Expertise

Actively managed funds have experienced fund managers who make investment decisions to try and outperform the market. This approach can be beneficial compared to passively managed funds, which simply mirror an index.

Benefits of a CFP

A Certified Financial Planner (CFP) professional can create a personalized plan for your child's education. They can help you:

Choose the Right Funds: Select a mix of funds that balances growth potential with risk tolerance.
Review & Rebalance: Regularly assess your portfolio and make adjustments as needed.
Goal-Based Planning: Ensure your investments are aligned with your child's education timeline.
Regular Plan vs Direct Plan

Regular plans with a CFP professional can offer some advantages over direct plans. A CFP can:

Save on Costs: Help you potentially minimize investment expenses.
Stay on Track: Guide you through market ups and downs to keep you invested for the long term.
Remember:

Investing for a child's education requires a long-term perspective. A CFP can create a strategy that considers your goals, risk tolerance, and investment timeframe.

Secure your child's future! Schedule a consultation with a CFP to discuss your specific situation and build a roadmap to fund your child's education.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9189 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2024

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Hi sir iam 36 yrs right now.i am planning to start sip of around 10000rs per month.please suggest some funds to invest
Ans: starting a SIP is a great decision. It's good to start early and stay consistent.

At 36, you have ample time to build a strong portfolio.

Importance of SIPs
Systematic Investment Plans (SIPs) are powerful.

They help you invest small amounts regularly and build wealth over time.

SIPs also bring discipline and mitigate market volatility.

Categories of Mutual Funds
Equity Mutual Funds
Equity funds invest in stocks.

They offer high growth potential but come with higher risk.

Ideal for long-term goals due to compounding.

Debt Mutual Funds
Debt funds invest in bonds and fixed-income securities.

They provide stable returns with lower risk.

Suitable for short to medium-term goals.

Hybrid Mutual Funds
Hybrid funds combine equity and debt.

They balance risk and reward.

Good for medium-term goals.

Evaluating Your Risk Appetite
Before choosing funds, assess your risk tolerance.

Higher risk can bring higher rewards but also higher losses.

Choose a mix of funds that match your comfort level.

Recommended Fund Types
Large Cap Funds
Large cap funds invest in large, established companies.

They are less volatile and provide stable returns.

Mid Cap Funds
Mid cap funds invest in medium-sized companies.

They offer higher growth potential with moderate risk.

Small Cap Funds
Small cap funds invest in small, emerging companies.

They are high-risk but can give high returns over the long term.

Multi Cap Funds
Multi cap funds invest across large, mid, and small cap stocks.

They offer diversification and balance risk and reward.

Balanced Advantage Funds
Balanced advantage funds adjust between equity and debt.

They provide stability and growth.

Suitable for moderate risk investors.

Steps to Start Your SIP
Define Your Goals

Identify your financial goals.

Is it retirement, children's education, or a big purchase?

Set Your Budget

You mentioned Rs. 10,000 per month.

Make sure it's affordable and sustainable.

Choose Fund Categories

Based on your risk appetite, select a mix of equity, debt, and hybrid funds.

Start Small and Increase Gradually

Begin with Rs. 10,000 and increase as your income grows.

Monitoring and Rebalancing
Regularly review your investments.

Rebalance your portfolio based on performance and market conditions.

This keeps your investments aligned with your goals.

Tax Implications
Understand the tax implications of your investments.

Equity funds held for over a year have lower tax rates.

Debt funds held for over three years benefit from indexation.

Final Insights
Starting a SIP is a smart move.

Your plan to invest Rs. 10,000 monthly is a great start.

Diversify across large cap, mid cap, small cap, and balanced funds.

Monitor and rebalance regularly to stay on track.

With consistency and smart choices, you’ll achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

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Ravi

Ravi Mittal  |605 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 23, 2025

Ravi

Ravi Mittal  |605 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 23, 2025

Asked by Anonymous - Jun 22, 2025Hindi
Relationship
Ravi Sir, Hi. I'm 27, engaged through a family-arranged match. My fiance is kind, well-settled, and earns 2 lakh monthly. His mother is a bit authoritative. My father-in-law is sweet. I have met him and his family a few times, but I don't feel any physical or emotional spark between us. I've tried to flirt with him, but there is no chemistry, which is very odd to me. When I told my parents, they said this is normal. They showed me examples of how love can grow after marriage, but honestly, I am not sure. Is it wrong to expect your partner to be romantic? Our marriage is in October. Should I call off this wedding just because there's no attraction? We have spent 3 lakhs already on the engagement and in August we plan to book the wedding hall. Pls advise
Ans: Dear Anonymous,
I understand your concerns and they are totally valid. Please understand that romance and the idea of it is different for different people. For your parents, and their generation, romance growing after marriage might have been good enough but that does not necessarily mean it should be the same for you, or the same thing will happen in your marriage. I am not trying to scare you but rather I want you to know that your concerns are valid. Having said that, your partner’s idea of romance can be different from yours. The best thing here is to talk it out. Tell him what’s bothering you and ask if there is anything going on with him. It’s always better to address the issue no matter how uncomfortable it might be than regret later. Calling off is quite a serious decision, and it’s best you speak to him and think long and hard before deciding. But if your instincts say something is off, there is always a 50% chance that something indeed is- don’t ignore it.
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Ramalingam

Ramalingam Kalirajan  |9189 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Money
What is best mutual fund for swp. For 1 cr corpus.
Ans: Reviewing Your Income Needs
? You have amassed a corpus of Rs.?1 crore.
? Likely aim: withdraw around Rs.?60,000–80,000 monthly.
? Income must support lifestyle, health, and other expenses.
? Corpus longevity is essential—it must last many years.

Overview of Fund Types Suitable for SWP
Aggressive Hybrid Funds
? These blend equity and debt—typically 60–80% equity.
? They balance growth and safety, ideal for withdrawals.
? Offer smoother performance compared to pure equity.

Large-Cap or Flexi-Cap Equity Funds
? Provide long-term growth and inflation protection.
? Use equity withdrawals to support corpus growth.
? Maintain moderate exposure for stability.

Short-Term Debt / Liquid Funds
? Ensure cash flow without touching equity in downturns.
? Provide buffer to fuel SWP during volatile periods.
? Preserve capital while offering liquidity.

Gold Funds (Optional)
? Hedge against inflation and long-term volatility.
? Can complement corpus if desired.

Avoid pure small/mid-cap or thematic funds for SWP—they can be volatile and may harm regular income needs.

Why Live Actively Managed and Regular Plans Matter
Active funds allow managers to rotate out of risky assets in stress.

Index funds lack flexibility—they track market blindly.

SWPs need defense when markets drop; active funds help.

Direct plans lack periodic review and emotional guidance.

Regular plans via CFP-backed distributors offer discipline, advice, and tax aid.

Crafting a Sustainable SWP from Rs.?1 Crore
You’ll create monthly withdrawals that provide income without depleting principal:

Choose One Aggressive Hybrid Fund

Allocate around 60% of corpus (~Rs. 60 lakh).

SWP from this fund covers 60–70% of your desired monthly income.

Select One Equity Fund (Large/Flexi)

Allocate 20–30% of corpus (~Rs. 20–30 lakh).

SWP from this supports inflation and long-term growth.

Create a Short-Term Debt Buffer

Allocate 10–15% of corpus (~Rs. 10–15 lakh) to liquid or short-term debt.

Use this buffer to supplement income during equity market dips.

(Optional) Gold Exposure

Allocate 5% (~Rs. 5 lakh) to a gold fund.

Hedge against inflation and add a non-equity component.

Setting Up Monthly Withdrawals
Suppose your goal is Rs.?75,000 monthly (Rs.?9 lakh annually).

Withdraw around Rs.?50,000 per month from the hybrid fund.

Withdraw Rs.?20,000–25,000 from the equity fund.

Debt buffer steps in if markets fall short; hybrid and equity SWPs could be deferred or reduced.

How the Buffer Works When Markets Fall
If equity value dips, use buffer disbursement first.

Pause or reduce equity SWP to preserve principal.

Hybrid SWP may taper as well if buffer is available.

When markets recover, return SWP to normal rates.

This preserves your corpus and protects withdrawals.

Rebalancing & Portfolio Tracking
Assess allocation every six months.

If hybrid portion exceeds 70%, pause SWP via hybrid and redirect funds to debt or buffer.

If equity has dropped below 20%, stop equity SWP and invest hybrid returns into equity.

Rebalancing through SIPs avoids capital gains tax and simplifies execution.

Taxation of SWP Withdrawals
Equity and hybrid withdrawals taxed at LTCG 12.5% beyond Rs.?1.25 lakh annual gains.

Short-term gains taxed at 20%.

Debt fund income aligned with your tax slab.

Use SWP structure to manage taxable events gradually.

CFP guidance ensures you maximise LTCG exemptions annually and minimise overall tax.

Building Flexibility for Corpus Longevity
Keep your buffer fund uninvested and liquid—no SWP from it.

Hybrid equity SWP continues unless buffer is tapped.

Equity fund SWP can pause in low equity markets.

Ensure total SWP rate does not exceed safe withdrawal rate (4–6% initially).

Review and adjust annual based on inflation and corpus performance.

Why This Balanced SWP Works
Hybrid fund offers near-bank-like stability yet retains equity growth.

Equity fund ensures inflation resistance and long-term portfolio health.

Debt buffer protects principal and allows smooth income flow.

Gold allocation, if used, boosts defense against macro shocks.

Active funds and CFP oversight ensure strategic agility.

Implementing the SWP Structure
Step 1: Contact a CFP-backed MFD and set up regular plans for hybrid, equity, debt, and optional gold funds.
Step 2: Allocate corpus according to recommended percentages.
Step 3: Automate monthly SWP transactions: hybrid + equity withdrawal.
Step 4: Monitor buffer usage; top-up using redirections when markets recover.
Step 5: Revisit allocation strategy every 6 months; rebalance as necessary.
Step 6: Review tax impact annually and schedule SWP to use exemption thresholds.

Handling Market Downturns Without Selling Equity
Use debt buffer first to meet income needs.

Pause hybrid SWP if buffer is depleted.

Keep equity invested to recover from downturns.

Align SWP with recovery—reactivate hybrid and equity withdrawals when allocations rebalance.

Addressing Inflation Over the Long Run
Equity exposure should rise modestly over time to offset inflation.

Hybrid fund’s equity cushion also supports in rising cost environments.

Revisit SWP amount annually and adjust for living cost changes.

Keeping a portion in gold and equity helps retain purchasing power.

Safeguarding Through Swiss Cheese Protections
Ensure you hold a 6–12 month emergency fund outside SWP.

Maintain adequate health and term insurance.

Stay away from high-risk or illiquid investments.

Keep portfolio disciplined and consistent.

Avoid occasional mistakes—maintain regular structure.

Role of CFP?Backed Support in SWP Success
Advisors help you choose suitable hybrid, equity, and debt funds.

They assist with tax-efficient SWP scheduling and rebalancing.

They monitor risks, inflation, and portfolio drift.

They keep you emotionally grounded during market stress.

Tracking Progress for Peace of Mind
Use digital dashboards to track corpus performance monthly.

Receive biannual reports on asset allocation and debt buffer status.

Evaluate timeline and adjust desired SWP amount if needed.

Let the CFP help validate your strategy and adapt to life changes.

Considering Corpus Growth Over Time
Leave equity untouched for at least 5–7 years to allow compounding.

Hybrid reinvestments or buffer top-ups help preserve equity value.

Adjust equity SWP based on goals—perhaps increase after 5 years.

Corpus should generate steady income while retaining real value.

Handling One Ragged Edge: Ad-Hoc Inflows or Market Shocks
Bonus or inheritance can be deployed to buffer or equity buckets.

In a market crash, consider buying additional hybrid or equity portions.

If needs change—reduce SWP, augment buffer, or refresh allocation.

Always revisit goals and financial standing every year.

Final Insights
You have built a strong Rs. 1 crore corpus. This SWP design ensures steady withdrawals while preserving your wealth.
By blending hybrid equity growth, short-term buffer stability, equity inflation protection, and optional gold, you get a well-rounded solution.
Active funds and CFP support complete the picture—helping with tax, market shifts, and disciplined rebalancing.
This is the blueprint for sustainable income, financial independence, and peace of mind over coming decades.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...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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