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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Nov 11, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Ashish Question by Ashish on Nov 11, 2022Hindi
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Money

I am 48 year old. I want corpus of 3 crore in next 10 years how much I need to invest monthly /yearly. Please also suggest SIPs I can start with.

Ans: Hello Ashish. You may start investing 1.14 lakh monthly SIP. Try adding on to current sips semiannually or annually if 1.14 lakh aren't possible. You may consider the below schemes for your portfolio.

  • Nippon India Large Cap Fund
  • Canara Robeco Emerging Equities Fund
  • Quant Active Fund
  • Mirae Asset Midcap 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  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jun 21, 2024Hindi
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Money
Hello Sir I am Ayan Paul from West Bengal. I am 37 years old. I want to corpus of 1 crore in next 10 years. I didn't start any mutual fund. I want to invest 3 lakhs i lumpsum and 10 thousand monthly sip. Please suggest me some funds and tell me is that enough to reach my goal ?
Ans: Assessing Your Investment Plan

Lumpsum Investment: You plan to invest Rs 3 lakhs as a lumpsum.

Monthly SIP: You also want to invest Rs 10,000 monthly.

This combination of a lumpsum and SIP is a good strategy.

Expected Returns

Equity Funds: Typically, equity funds can give an average return of 12-15% annually.

Diversification: To reduce risk, diversify into different types of funds.

Advantages of Actively Managed Funds

Professional Management: Managed by experienced professionals.

Better Adaptability: Adjust investments based on market conditions.

Higher Returns Potential: Skilled managers aim to outperform the market.

Disadvantages of Index Funds

Limited Flexibility: Can't adapt quickly to market changes.

Market Fluctuations: More exposed to volatility.

Potential Lower Returns: May underperform actively managed funds.

Why Regular Funds Over Direct Funds

Expert Advice: Certified Financial Planners (CFPs) provide tailored advice.

Holistic Planning: Consider your overall financial situation.

Ongoing Support: Regular adjustments to your investment strategy.

Better Resources: Access to extensive research and tools.

Calculating the Corpus

Let's assess if your plan can reach your goal. With Rs 3 lakhs lumpsum and Rs 10,000 monthly SIP, you can potentially reach Rs 1 crore in 10 years.

Investment Strategy

Start with Lumpsum: Invest Rs 3 lakhs in a diversified equity fund.

Monthly SIP: Invest Rs 10,000 in a mix of equity and hybrid funds.

Review Regularly: Monitor your investments and adjust as needed.

Stay Invested: Long-term investments tend to yield better returns.

Important Considerations

Risk Tolerance: Equity investments carry risk. Be prepared for market fluctuations.

Time Horizon: Staying invested for the full 10 years is crucial.

Professional Advice: Consult a Certified Financial Planner for personalized guidance.

Final Insights

Ayan, your plan to invest Rs 3 lakhs as a lumpsum and Rs 10,000 monthly SIP is a strong start. With disciplined investing and proper fund selection, you can potentially reach your Rs 1 crore goal in 10 years. Diversify your investments, stay invested for the long term, and consult a Certified Financial Planner for tailored advice.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

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

Asked by Anonymous - Jun 23, 2024Hindi
Money
Iam 50 years. Iam investing 1.75 in sip mf, planning to invest for next 10 years,and 20 k in post office R D. And 5lac per year. I have an ESOP worth 50 lac, PPF -30 lac,Epfo- 40 lac.TAta AIA WEALTH PRO PLAN FOR my daughter. Iam having F.D of 40 lacs. My question is How much do I need to invest to get the corpus of 10 crores in next ten years? Apart from these I have term and Health insurance for me and my family and a house to live in.
Ans: I'll provide you with a comprehensive and detailed investment strategy to achieve a corpus of Rs. 10 crore in the next 10 years, considering your current investments and goals.

Understanding Your Current Financial Position
First, let's assess your current investments:

SIP in mutual funds: Rs. 1.75 lakh monthly
Post Office RD: Rs. 20,000 monthly
Annual investment: Rs. 5 lakh
ESOP: Rs. 50 lakh
PPF: Rs. 30 lakh
EPFO: Rs. 40 lakh
FD: Rs. 40 lakh
Tata AIA Wealth Pro Plan for your daughter
Term and health insurance for you and your family
House to live in
You have a well-diversified portfolio with a mix of equity, debt, and fixed-income instruments.

Calculating Your Goal
To accumulate Rs. 10 crore in the next 10 years, we'll consider the power of compounding and the expected returns from your investments. Let's break down the steps to achieve this goal.

Review and Optimize Existing Investments
Mutual Funds
SIPs are an excellent way to invest regularly and benefit from rupee cost averaging. Given your current SIP amount of Rs. 1.75 lakh per month, you are on a solid path. Consider the following mutual fund categories:

Equity Mutual Funds: These should form the core of your portfolio. Invest in a mix of large-cap, mid-cap, and small-cap funds. Equity funds typically offer higher returns, which is crucial for your long-term goal.

Debt Mutual Funds: These provide stability and reduce overall portfolio risk. Consider investing in short-term debt funds or corporate bond funds.

Hybrid Mutual Funds: These funds offer a balance between equity and debt. They are ideal for moderate risk-takers and provide diversified growth.

Post Office RD
Post Office RD is a safe investment but offers lower returns compared to equity and mutual funds. While it provides stability, consider if you can allocate more towards higher-return investments like mutual funds.

ESOPs
ESOPs are a valuable asset. Depending on your company's performance, they can provide significant returns. Monitor their performance and decide on the right time to exercise or sell them to maximize gains.

PPF and EPFO
Both PPF and EPFO are excellent for tax-saving and long-term growth. They offer guaranteed returns and should be continued for their benefits.

Fixed Deposits
FDs offer security but with lower returns. Consider moving a portion of your FD investments into mutual funds or other higher-yielding instruments to enhance growth.

Tata AIA Wealth Pro Plan
Review the performance and charges of this plan. ULIPs often have high charges which can impact returns. If the charges are high, consider surrendering and reinvesting the proceeds into mutual funds.

Calculating the Required Investment
To achieve a Rs. 10 crore corpus, you need a strategic investment approach. Let's assume different annual returns for various asset classes:

Equity Mutual Funds: 12-15% per annum
Debt Mutual Funds: 7-8% per annum
Fixed Deposits and RD: 5-6% per annum
PPF and EPFO: 7-8% per annum
Given these returns, we'll determine how much you need to invest additionally to reach your goal.

Power of Compounding
Compounding is crucial in wealth creation. The earlier and more consistently you invest, the greater the compounding effect. Here's a breakdown of how different investments can grow:

SIPs in Mutual Funds
Your Rs. 1.75 lakh monthly SIP in equity mutual funds can grow significantly over 10 years with an average return of 12-15%. The power of compounding will exponentially increase your corpus.

Post Office RD
Your Rs. 20,000 monthly RD will provide stable but lower returns. While it's a safe option, consider increasing your allocation to equity funds for higher growth.

Annual Lump Sum Investment
Investing Rs. 5 lakh annually can significantly boost your corpus. Allocate this amount to equity and hybrid mutual funds for optimal growth.

Systematic Investment Plan (SIP)
SIPs are a disciplined way to invest in mutual funds. They allow you to invest a fixed amount regularly, taking advantage of rupee cost averaging. Here's how to optimize your SIP strategy:

Increase SIP Contributions
Start with your current SIP amount and gradually increase it as your income grows. This will maximize the compounding effect and help you reach your goal faster.

Diversify Across Fund Categories
Invest in a mix of large-cap, mid-cap, and small-cap funds to diversify risk and enhance returns. Consider sector-specific funds for additional growth potential.

Asset Allocation and Diversification
A well-diversified portfolio balances risk and return. Here's a suggested asset allocation:

Equity Mutual Funds: 60-70%
Debt Mutual Funds: 10-20%
Fixed Income (PPF, EPFO, FD, RD): 20-30%
Regularly review and rebalance your portfolio to maintain this allocation.

Risk Management and Contingency Planning
Adequate insurance coverage and an emergency fund are essential. Ensure you have term life insurance and health insurance to protect your family's financial future. Maintain an emergency fund covering 6-12 months of expenses in a liquid and safe instrument like a high-interest savings account or liquid mutual fund.

Tax Planning
Optimize your investments for tax efficiency. Utilize tax-saving instruments like PPF, ELSS, and life insurance premiums under Section 80C. Equity investments held for more than a year benefit from long-term capital gains tax, which is lower than short-term capital gains tax.

Equity Linked Savings Schemes (ELSS)
ELSS funds offer tax benefits under Section 80C and have a lock-in period of three years. They are excellent for long-term wealth creation and tax planning.

Final Insights
Reaching a Rs. 10 crore corpus in 10 years is an ambitious goal, but with disciplined and strategic investing, it's achievable. Here's a summary of your investment strategy:

Increase SIP Contributions: Gradually increase your SIP amount as your income grows. Focus on equity mutual funds for higher returns.

Optimize Existing Investments: Review and potentially reallocate your RD and FD investments into higher-return instruments like equity and hybrid mutual funds.

Utilize Annual Lump Sum Investments: Continue investing Rs. 5 lakh annually in a mix of equity and hybrid mutual funds.

Diversify and Rebalance: Maintain a diversified portfolio with a mix of equity, debt, and fixed-income instruments. Regularly review and rebalance to stay aligned with your goals.

Maximize Tax Efficiency: Utilize tax-saving instruments and plan your investments to minimize tax liabilities.

Risk Management: Ensure adequate term and health insurance coverage. Maintain an emergency fund for financial stability.

By following these steps, you can work towards achieving your Rs. 10 crore goal within the next 10 years. Stay disciplined, review your investments regularly, and adjust your strategy as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 02, 2024

Asked by Anonymous - Aug 31, 2024Hindi
Money
I want a corpus of 2 crore in next 10 years. How much will be the monthly SIP and pls advise some funds
Ans: You’ve set a goal to accumulate Rs. 2 crore in 10 years. This is ambitious and achievable with disciplined investing. Let's explore how to achieve this.

Estimating the Required Monthly SIP
Target Corpus:
To reach Rs. 2 crore, you need to invest consistently. The amount of monthly SIP depends on expected returns.

Expected Returns:
Assuming a moderate return rate from mutual funds (around 12% per annum), you would need to invest a significant amount every month.

Monthly SIP Calculation:
A Certified Financial Planner would suggest that to achieve Rs. 2 crore, you should consider a monthly SIP of around Rs. 85,000 to Rs. 1 lakh, depending on the exact returns. This might seem high, but it's aligned with your goal.

Importance of Actively Managed Funds
Avoiding Index Funds:
Index funds may not give you the required returns. They follow the market and lack the potential for higher gains. Actively managed funds, on the other hand, are handled by professional fund managers. These managers aim to outperform the market, which could help in reaching your goal faster.

Regular Funds via MFD:
Direct funds might seem cost-effective, but regular funds through a trusted MFD with CFP credentials can provide better long-term results. MFDs offer professional advice, regular reviews, and adjustments to your portfolio. They ensure that your investments stay on track.

Suggested Fund Categories
Large-Cap Funds:
These funds invest in well-established companies. They are stable and offer consistent returns. Allocating a portion to large-cap funds reduces risk while ensuring steady growth.

Mid-Cap Funds:
Mid-cap funds have the potential for higher returns compared to large-cap funds. They invest in companies that are in the growth phase. Including mid-cap funds in your portfolio can enhance your overall returns.

Small-Cap Funds:
Small-cap funds are riskier but offer the possibility of higher returns. These funds invest in smaller companies with high growth potential. A small allocation here can boost your corpus if the companies perform well.

Flexi-Cap Funds:
Flexi-cap funds offer flexibility in investment. They can invest across different market capitalizations based on market conditions. These funds adapt to market changes, which can be beneficial in a volatile market.

Balancing Your Portfolio
Diversification is Key:
Don’t put all your money in one type of fund. A well-diversified portfolio across large-cap, mid-cap, small-cap, and flexi-cap funds will spread risk and optimize returns.

Review Regularly:
Regularly review your portfolio with the help of a Certified Financial Planner. Adjustments might be needed based on market conditions and your financial situation.

Risk Assessment and Management
Understand Your Risk Appetite:
Investing in mutual funds involves risk. It's crucial to understand your risk tolerance. If you're not comfortable with high risk, allocate more towards large-cap and flexi-cap funds.

Stay Invested:
Market fluctuations are normal. Don't panic during market corrections. Staying invested for the long term is key to achieving your financial goals.

Emergency Fund:
Before committing to high SIPs, ensure you have an emergency fund. This fund will cover unexpected expenses and prevent you from dipping into your investments.

Tax Considerations
Tax Efficiency:
Equity mutual funds are tax-efficient. Long-term capital gains (LTCG) up to Rs. 1 lakh per annum are tax-free. Gains above this threshold are taxed at 10%. Plan your investments to maximize tax efficiency.

Section 80C Benefits:
You can also consider tax-saving mutual funds under Section 80C. These funds have a lock-in period of three years but offer tax benefits along with potential returns.

Additional Financial Goals
Retirement Planning:
While working towards your Rs. 2 crore goal, don’t neglect retirement planning. Ensure that you are also contributing towards a retirement corpus. Consider options like PPF, NPS, or dedicated retirement funds.

Insurance Needs:
Ensure you have adequate life and health insurance. These are crucial for financial security. If you hold LIC, ULIP, or other investment cum insurance policies, it might be wise to review them. Surrendering these policies and reinvesting in mutual funds could yield better returns.

Steps to Start Your SIP
Choose a Reputable AMC:
Select a reputed Asset Management Company (AMC) with a good track record.

Consult a Certified Financial Planner:
Seek advice from a Certified Financial Planner to select the best funds suited to your risk profile and financial goals.

Automate Your SIPs:
Set up automatic SIPs to ensure disciplined investing. This reduces the temptation to skip payments and keeps you on track.

Finally
Achieving a Rs. 2 crore corpus in 10 years requires a disciplined approach. With the right selection of actively managed funds and regular monitoring, you can reach your goal. Diversify your investments, stay invested, and consult a Certified Financial Planner to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Dr Shyam

Dr Shyam Jamalabad  |78 Answers  |Ask -

Dentist - Answered on Nov 14, 2024

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Dr. Shyam, I had my teeth cleaned 6 months ago and after that was done I saw discoloration on certain teeth that wasn't there before. Years ago I had my teeth cleaned and one particular tooth after the cleaning was sensitive to touch. I had a crown put in from two different dental offices. The first one did the crown right, but was trying to charge me $3,500 more than the agreement they made with Medicare. Medicare corrected that. I other dentist did a crown and it didn't go all the way up to my gums and is sensitive to especially cold things. I'm not having very good experiences with dentist by and large. Can't find an honest one or one that can actually do the job right. I feel being on Medicare your a target to bring in money. Not sure what to do next. Supposed to go back and have them redo the crown that didn't go to my gums, but it also was ttd place to didn't clean my teeth right and discolored some of them. Any suggestions on how to trust there is actually an capable and honest dentist out there who can perform properly?
Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

1. Ask for referrals: Ask friends, family, or coworkers for recommendations. They can provide valuable insights into a dentist's work quality and bedside manner.

2. Check credentials: Ensure the dentist has the necessary qualifications, certifications, and licenses. You can verify this information with your state's dental board or professional organizations like the American Dental Association (ADA).

3. Check online reviews: Look up the dentist on review platforms. Pay attention to the overall rating and read the comments to understand the strengths and weaknesses. At the same time, do not rely on reviews alone as these can be manipulated, fake reviews can be easily generated.

4. Evaluate their communication style: A good dentist should listen to your concerns, explain procedures clearly, and answer questions patiently. Ensure you feel comfortable asking questions and discussing your treatment.

5. Assess their facility and equipment: A well-organized and modern dental office with up-to-date equipment is a good sign.

6. Check their approach to preventive care: A capable dentist emphasizes preventive care, including regular cleanings, exams, and education on oral hygiene.

7. Be wary of over-treatment: A honest dentist will not recommend unnecessary procedures. Be cautious if you feel pressured into extensive treatments.

8. Trust your instincts: If something feels off or you don't click with the dentist, it's okay to explore other options.

10. Schedule a consultation: Many dentists offer initial consultations or meet-and-greets. Use this opportunity to assess their approach, ask questions, and gauge your comfort level.

By following these steps, you can increase your chances of finding a capable and honest dentist who prioritizes your oral health and well-being.

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Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Relationship
Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out
Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

Hope this helps.

...Read more

Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

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Hi, I got married to my ex gf in an arranged setup. I had a 7 year of relationship with her before breakup. My career switch try from private to govt job was the reason. When I failed I returned back to corporate. 3 years after the breakup her father who is a good friend of my father sent proposal which led to our marriage. No one knew that we dated. We never had a word between the acceptance and marriage. None of us initiated the conversation. When she came after marriage her behavior towards me in private is totally strange. We never had an emotional conversation. Neither we discuss romance nor intimacy. In private we hardly have any intellect discussions which was an eternal part before our breakup. But when she is in public she behaves like she cares for me a lot. She is a darling of everyone in the house whether my parents or siblings. Most of the time she remains with my mother and she has good bond. In front of her she cares for me a lot. She had this double faced attitude from the first day. Our intimacy is limited to my ask she could agree or disagree but she never initiated it. She was pretty passionate before our breakup which I never saw after our marriage. I tried everything but nothing has happened she never opened up. She disconnected with almost all our mutual friends after marriage. Whenever I tried through some of her friends she says to them I overthink a lot. Marriages and relationships differs. All useless and weird reasons. Everyone blames my teenage short temper issue. Which I have completely overcame when I started working. After marriage we had a boy. She says no for a next child for which I am fine. But the problem is now my child is growing and she has started understanding her hypocrisy. Now she blames me for teaching him wrong things. We hardly had fights as she walks out or I won't say word usually after she didn't answer for anything. I am unable to see the light in this relationship. She had 3 relationships in between but I never had one which I never discussed. Now I hardly ask for anything. Day by day we are becoming only room partners or fake couples in public. Everyone sees her as an ideal daughter in law or wife due to her public hypocrisy. Please guide.
Ans: Dear Salman,
I understand that marital issues take a huge toll on people. Whatever you are feeling, it is very normal. I strongly suggest you seek professional help- you can either opt for personal counseling sessions to manage the distress caused by your partner's indifference, or the best approach is to convince your wife to go for marriage counseling with you. It would be good to get to the root of the matter; why is she behaving a certain way, where is this coming from, are there unresolved issues from when you dated? These questions will finally get an answer and you can work on them together. If she does not agree to go, tell her to do it for your child. No child should have to see their parents unhappy with each other.

Hope this helps.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |163 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Nov 14, 2024

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Career
I want to give NEET exam but my 12th in Maharashtra Board marks are less than 150 in PCB (general), so I am not eligible. can I give retest of 12th to get better marks so that I can give NEET.
Ans: Hi, Being a retest candidate is considered a second attempt in +2. I think the medical council will not allow admission to medicine. Instead, you can consider B.Pharm / Pharm D.

To join, the following are the requirements:

For pharm D: Minimum qualification for admission to. – a) Pharm.D. Part-I Course – A pass in any of the following examinations - (1) 10+2 examination with Physics and Chemistry as compulsory subjects along with one of the following subjects: Mathematics or Biology. (2) A pass in D.Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act. (3) Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course.

FOR B.PHARM:
Minimum qualification for admission to – A. First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time.

...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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