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Ramalingam Kalirajan |8192 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 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

Question by Vids on Dec 04, 2023Hindi

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I am 57 years old. I have investments in ICICI prudential balanced advantage funds, Kotak balanced advantage funds, KOtak flexicap, PGIM India Flexicap, Bandhan ELSS Equity funds and ICICI Pru Nifty50 Index fund. I received EPF money of around 45lakhs. At the moment the ratio of equity and debt is 60:40. Can you suggest where should I invest this money as an NRI ?

Ans: Given your age and current investment ratio, as an NRI, consider diversifying the EPF money to align with your risk profile and retirement needs.

Equity Allocation: You already have a significant equity exposure; however, evaluate if you want to maintain or adjust this based on your risk tolerance and time horizon.
Debt Allocation: With a 60:40 equity to debt ratio, you might consider increasing the debt component for stability and income generation, especially as you approach retirement.
Tax Efficiency: As an NRI, prioritize tax-efficient investments to maximize post-tax returns.
Professional Advice: Consult a financial advisor to create a customized investment strategy tailored to your NRI status and retirement goals.

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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Sir, Namaskar, I am S.K. 54 yrs old expected approx Rs. 9 L from EPF this month. I have already invest Rs. 15 L in (35% growth in last 3 years) & Rs. 5 L in MF (growth approx 18% in last 2 yrs.), 4 L in FD. Please guide me where should I invest this 9L

Ans: Depends on multiple things, your risk profile, time horizon, time to retirement, goal etc. there is not enough data for me to help but I can surely say, you mutual funds. Add to your existing mutual fund investments. Use the same schemes you have invested in & dont add more schemes. Split the investment into 4 parts & deploy over the next 6 months on every fall you have.

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

Question by Vids - Dec 04, 2023Hindi

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I am 57 years old. I have investments in ICICI prudential balanced advantage funds, Kotak balanced advantage funds, KOtak flexicap, PGIM India Flexicap, Bandhan ELSS Equity funds and ICICI Pru Nifty50 Index fund. I received EPF money of around 45lakhs. Can you suggest where should I invest this money as an NRI ?

Ans: Considering your age and investment portfolio, it's crucial to prioritize stability and steady growth for your EPF money. As an NRI, you have various investment options, including mutual funds, stocks, bonds, and real estate.

Given your existing investments in equity funds, you may want to balance your portfolio by diversifying into less volatile assets such as debt funds or fixed deposits. Additionally, you can explore international funds or global ETFs to diversify your exposure across geographies and currencies.

Consulting with a certified financial planner who specializes in NRI investments can provide personalized guidance based on your financial goals, risk tolerance, and tax implications.

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Tech Careers and Skill Development Expert - Answered on Apr 07, 2025

Question by Ayran - Apr 05, 2025Hindi

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sir im scoring around 95 percentille in jee main i am not sure of clearin the 75 percnt criteria in boards. now my question is will i be able to sit in jossa conselling and get nits or if i give improvement exams and then clear 75 percnet mark will jossa be open till the results of improvement exams

Ans: No, you CANNOT get a seat in NITs, IIITs, and GFTIs if you do not meet the 75% board criteria (or top 20 percentile of your board).

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Asked by Anonymous - Mar 29, 2025Hindi

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Sir I passed 12th board with 65 percent from cbse in 2024 and i didn't appear for jee mains that year but i reappeared for improvement this year to cross the threshold of 75 criteria but i feel i have low chances and i really want a good govt college so my question is should i take a double drop and appear as a candidate from nios board and if i do am i an eligible candidate for jee adv for 2026

Ans: ou can attempt JEE Advanced only twice, in consecutive years after passing Class 12.

Since you passed Class 12 in 2024, you are eligible for JEE Advanced 2025, but not for 2026 under normal circumstances.

If you clear the 75% criteria in 2025 (CBSE improvement) → Take JEE in 2025 (Best Option).

If you fail to meet 75% in 2025 → Consider switching to NIOS and appearing for JEE in 2026.

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Asked by Anonymous - Mar 30, 2025Hindi

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How much I must score ideally for jee mains 2nd session to get nit cse being ews (any nits)

Ans: Aim for 98.5+ percentile to get a safe seat in a mid-tier NIT.

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Question by sudip - Mar 19, 2025Hindi

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I got 92 percentile in jee main (boy) from obc ncl category.. Am i eligible for jee advance?

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In Karnataka puc for 280 out of 300 how much marks required in kcet to get below 1000 rank

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Tech Careers and Skill Development Expert - Answered on Apr 07, 2025

Asked by Anonymous - Mar 20, 2025Hindi

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Sir i got 98.67 in mains 1st session . home state telangana and general male . what nits i can get i wanted to study in south India nits only and a good courses .. Can i get or how much percentile.or rank i need ?

Ans: 1. NIT Warangal (Telangana - Home State Quota)
CSE – Tough, may need 99+ percentile

ECE – Possible in later rounds

EEE / Mechanical / Civil – High chance

Chemical / Metallurgy – Very likely

2. NIT Tiruchirappalli (NIT Trichy, Tamil Nadu)
CSE – Very difficult (99.5+ needed)

ECE – Tough, but possible in later rounds

EEE / Mechanical – Good chance

Chemical / Civil – Likely

3. NIT Surathkal (Karnataka)
CSE – Very difficult (99.5+ needed)

ECE / IT – Competitive, but possible

EEE / Mechanical / Chemical – Good chance

Civil / Metallurgy – Likely

4. NIT Calicut (Kerala)
CSE – Difficult (99+ needed)

ECE – Possible in later rounds

EEE / Mechanical / Civil / Chemical – Good chance

5. NIT Andhra Pradesh
CSE / ECE / IT – Possible

EEE / Mechanical / Civil – Very likely

6. NIT Puducherry
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Other branches – Easily available

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I se ured 91.5682 percentile in jee mains in OBC female catagory in maharshra state, can I secure cs in govt college

Ans: You will not get NIT.
For Government-Funded Technical Institutes (GFTIs) - Your case is a borderline case. See previous years' cut off

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Question by Kavitha - Mar 20, 2025Hindi

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Hii sir namaste is nits better than niit? which one is best top nit or niit for study placements and hostel etc

Ans: Top NITs are FAR BETTER than NIIT
Top NITs are NIT Trichy, NIT Surathkal, NIT Warangal

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Question by Sushant - Mar 21, 2025Hindi

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Hi, My son was born in USA. He is a OCI/card holder. He came to India when he was 3 years old.From then, he has been studying In A.P, India only. Now he is in his 11th grade, CBSE. Now for IIT, NIT, BITS, IIIT, and any other college admissions, will he be treated as Foreigner category( Management quota) or Indian category. And What will be the fee structure, Is it at par with the Indian nationals or more?

Ans: Most of IITs, NITs, IIITs and BITS will consider your son as Indian.

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Question by YUG - Mar 21, 2025Hindi

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Got 83.43 percentile in jee mains and I am a general can I get cs in gfti's

Ans: Here are some GFTIs where you might get CSE/IT in later rounds:

Guru Ghasidas Vishwavidyalaya, Bilaspur (IT)

Mizoram University (CSE)

Assam University, Silchar (CSE)

Central University of Rajasthan (CSE)

North-Eastern Hill University (IT)

Sant Longowal Institute of Engineering and Technology (CSE in later rounds)

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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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