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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Apr 03, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Deepak Question by Deepak on Apr 03, 2023Hindi
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I am 48 and plan to accumulate around 5cr in next 10 years. Can invest around 1 lac per month. Please advise which funds to invest in.

Ans: Hello Deepak, thank you for writing to me. To create a corpus of Rs.5 Crore in the next 10 years, you need to invest around Rs.2.2 Lakh every month.

You can consider investing in:
1-Samco Flexicap Fund-Rs.55,000 per month.
2-Edelweiss Nifty 100 Quality 30 Index Fund-Rs.55,000 per month.
3-Axis ESG Fund-Rs.55,000 per month.
4-UTI MNC Fund-Rs.55,000 per month.

Stepping up your SIP by 10% or more every year will help you create a larger corpus over time.
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  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - Mar 03, 2024Hindi
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I am 53 year. I want to invest Rs 10,000 every month. What is the best option to invest so that after 4/5 years I get good return
Ans: Maximizing Returns with Monthly Investments
Investing regularly is a prudent financial decision, and I commend your commitment to building wealth even at 53. Let's explore the best options for investing ?10,000 every month to achieve good returns within a 4-5 year timeframe.

Understanding Investment Objectives
Short-Term Horizon: With a 4-5 year investment horizon, it's essential to prioritize investments with moderate risk and potential for decent returns.

Goal Clarity: Define your specific financial goals and the purpose of the invested funds to align investment strategies accordingly.

Risk Appetite: Assess your risk tolerance to determine the appropriate mix of investment options for your portfolio.

Evaluating Investment Options
Considering your investment horizon and return expectations, explore the following options:

Equity Mutual Funds: Offer the potential for higher returns but come with higher volatility. Suitable for investors with a longer investment horizon and higher risk tolerance.

Debt Mutual Funds: Provide stability and steady returns with lower risk compared to equity funds. Ideal for investors seeking capital preservation and income generation.

Balanced Funds: Combine equity and debt components to provide a balanced approach to risk and return. Suitable for investors seeking moderate growth with reduced volatility.

Benefits of Actively Managed Funds
Active management offers several advantages for investors with a short-to-medium-term investment horizon:

Potential for Outperformance: Skilled fund managers actively manage the portfolio, aiming to generate alpha and outperform the market.

Risk Management: Experienced fund managers employ risk management techniques to mitigate downside risk and preserve capital, crucial for investors with a shorter investment horizon.

Flexibility: Active management allows for tactical allocation adjustments based on market conditions and economic outlook, optimizing returns.

Disadvantages of Index Funds
Index funds may not be suitable for investors seeking good returns within a 4-5 year timeframe due to the following reasons:

Market Tracking: Index funds passively track a specific index, limiting the potential for alpha generation and outperformance compared to actively managed funds.

Lack of Flexibility: Investors in index funds cannot benefit from active management strategies such as sector rotation or stock selection, which are crucial for optimizing returns in volatile markets.

Market Volatility: During periods of market volatility, index funds may experience higher drawdowns compared to actively managed funds, posing a risk to capital preservation.

Conclusion
Considering your investment horizon of 4-5 years, a balanced approach with a mix of equity and debt mutual funds may be suitable to achieve good returns while managing risk. By investing systematically and regularly reviewing your portfolio, you can work towards achieving your financial goals effectively.

Remember to consult with a Certified Financial Planner to tailor an investment strategy that aligns with your specific needs and objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

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

Asked by Anonymous - Apr 14, 2024Hindi
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am 40 plan to get 1cr in next 10 year how much invest? Please suggest which mutual funds are good
Ans: To accumulate 1 crore in 10 years, you need to calculate the required monthly investment based on your expected rate of return. Here's a general approach:

Determine the expected rate of return: Based on historical data, a reasonable expectation for annual returns from equity mutual funds could be around 12-15%.
Use a financial calculator or online SIP calculator to find the monthly investment required to reach 1 crore in 10 years at your expected rate of return.
Once you have the required monthly investment amount, consider allocating it across a diversified portfolio of mutual funds. Look for funds with a track record of consistent performance, experienced fund managers, and aligned investment philosophy.
Since you have a 10-year investment horizon, you can afford to take some risk for potentially higher returns. Consider a mix of equity-oriented funds such as large-cap, mid-cap, and multi-cap funds to diversify across market segments and manage risk effectively.
Regularly review your investments and make adjustments as needed based on changes in your financial goals, market conditions, and risk tolerance.
Consult with a Certified Financial Planner for personalized advice tailored to your specific needs and goals.
By investing systematically in mutual funds and staying disciplined with your investment strategy, you can work towards achieving your goal of accumulating 1 crore in 10 years.

..Read more

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Sir I am getting Cse in MAIT and Coe in thapar University. Which one should I take in terms of placements and better future options.
Ans: Both institutions offer Computer Science Engineering programs with established accreditation and industry engagement. Maharaja Agrasen Institute of Technology (MAIT) holds NBA accreditation and NAAC 'A' grading, maintaining approximately 65-70% placement rates for CSE with major recruiters including Microsoft, Amazon, and Google visiting campus. The institution has achieved rising placement statistics with 95% of registered students securing offers in 2024, 193 students placed at Infosys alone, and consistently attracts 90+ companies annually. MAIT's CSE program benefits from supportive faculty, modern computing labs, and active career development cell guidance. Thapar University, with A+ NAAC accreditation and NBA approval, demonstrates stronger placement consistency at 83% overall and approximately 90-95% for CSE students. The institution attracts 334+ recruiters annually with average packages around 11.90 LPA and maintains research-focused faculty, many holding PhDs from premier institutions. Thapar's infrastructure includes state-of-the-art facilities, international collaborations, and Practice School internship programs providing industry exposure. Both institutions possess qualified faculty, comprehensive placement support, and modern infrastructure, though Thapar's national rankings (29th in Engineering by NIRF 2024) and research emphasis provide additional academic prestige.

Recommendation: Thapar University CSE offers superior placement consistency, higher average packages, stronger research environment, and established national recognition, making it the preferred choice for comprehensive academic growth and industry opportunities. MAIT CSE remains a solid alternative with competitive placement rates and cost-effective education within the Delhi ecosystem. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 18, 2025

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Sir o got seat on iit jodhpur in chemical engineering. I got 13500rank in jee main with general category nuteral genders should i accept jossa seat or go for further csab round ,i have the chance of MNC in iiit Gwalior and EE in MNIT allahabad etc
Ans: Chiranjeev,IIT Jodhpur’s Chemical Engineering offers strong IIT branding, modern labs, and experienced faculty, yet its Chemical branch placement hovered around 71.4% in 2024 with a median package near ?12 LPA. IIIT Gwalior’s Mathematics and Computing program reports placement rates close to 90% over recent years and an average package of ?21 LPA, supported by robust industry ties and active internship pipelines. MNIT Allahabad’s Electrical Engineering achieved an 88.7% placement rate in 2024 with an average package around ?20 LPA, benefiting from PSU recruitment and a well-established training cell. All three institutions maintain strong accreditation, peer learning environments, and dedicated placement cells.

Recommendation: Prioritize IIIT Gwalior Mathematics and Computing for its high placement consistency, strong average packages, and evolving research ecosystem. If you prefer a core electrical pathway with PSU and tech-sector opportunities, MNIT Allahabad EE is the next best choice. Accept the IIT Jodhpur Chemical seat only if brand prestige and core chemical engineering alignment outweigh placement considerations. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 18, 2025

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Sir I am getting ECE at SOA ITER How is it can you tell me about it?
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Recommendation: SOA ITER ECE is a viable choice recommendation if you seek a program with robust accreditation, solid placement rates near 70%, experienced doctoral faculty, modern infrastructure, and extensive industry engagement; it offers balanced opportunities for technical skill development and professional growth. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
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Sir My son gor 236 marks jn bitsat jn which pilani civil is getting But in mhcwt he got 99.30 percentile and cap round is pending Pls guide shall i loack lolani or i have xhance to get good subject in maharshtra
Ans: With a 236 score in BITSAT, a B.E. (Hons) Civil Engineering seat at BITS Pilani is assured, offering a prestigious dual-campus brand, strong civil infrastructure projects exposure, and a 90–95% placement rate in core engineering roles at firms like L&T and Jacobs. Holding a 99.30 percentile in MHT-CET positions your son well above the closing percentiles for premier Maharashtra branches: CSE at VJTI (98.6–99.7), Computer Engineering at COEP (99.80–99.97), and CSE at SPIT (99.0–99.4). He is also eligible for CSE/IT at PICT (98.5–99.2) and Civil at COEP (96.38 percentile), ensuring access to top-tier branches with modern labs, seasoned faculty, robust industry linkages, and ≥90% placement support. Locking BITS Pilani Civil secures a guaranteed spot in a globally recognized program; however, CAP rounds can yield CSE or IT seats in elite government institutes with lower fees and stronger public-sector recruitment pipelines.

Recommendation: Confirm the BITS Pilani Civil seat if assured of joining a world-class core program with high placement momentum. If a computing-focused career is preferred, leverage the 99.30 percentile to lock a CSE/IT branch at VJTI or COEP, where tech sector opportunities and placement rates rival those at BITS. All the BEST for 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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