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Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 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
Asked by Anonymous - Mar 17, 2024Hindi
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I am 62 ( no job no pension) and I want to invest Rs. , 5 lakh in MF to generate Rs 10 k pm, which is the best MF offering SWP. Ashok

Ans: Ashok, it's admirable that you're proactively planning for your financial security at 62. Given your goal of generating Rs. 10,000 per month through a systematic withdrawal plan (SWP) from mutual funds, selecting the right fund is crucial.

Several mutual funds offer SWP options, allowing you to withdraw a fixed amount at regular intervals. Look for funds with a track record of consistent returns, low volatility, and suitable for your risk tolerance.

Consider funds that focus on generating regular income, such as debt funds or hybrid funds with a significant allocation to debt instruments. Some popular choices include liquid funds, short-term debt funds, and monthly income plans (MIPs).

Ensure you assess factors like fund performance, expense ratio, and the fund manager's track record before making a decision. Additionally, consider consulting with a Certified Financial Planner to tailor an investment strategy that aligns with your financial goals and risk profile.

By selecting the right mutual fund with a suitable SWP option, you can work towards generating a steady income stream to support your expenses in retirement. Remember to regularly review your investments and adjust your strategy as needed to ensure financial stability and peace of mind.
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  |7336 Answers  |Ask -

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

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Sir, I am 72 years old and want to invest Rs 15 lac in M.F, in swp.already invested 22 lac in MF .I am high risk taker . I want swp amount after one year. Please suggest M.F schemes . Thanks
Ans: Given your risk appetite and requirement for SWP after one year, it's crucial to focus on mutual fund schemes that offer potential for high returns while considering the relatively short investment horizon. Here are some suggestions:

Large & Midcap Funds: These funds invest in a mix of large-cap and mid-cap stocks, offering a balance between growth potential and stability. Look for schemes with a track record of consistent performance and experienced fund management.
Sectoral/Thematic Funds: If you have specific sectoral preferences and are willing to take higher risks, you can consider investing in sectoral or thematic funds. These funds focus on specific sectors or themes like technology, healthcare, or infrastructure, offering the potential for higher returns but also higher volatility.
Aggressive Hybrid Funds: Aggressive hybrid funds invest primarily in equities with a smaller allocation to debt instruments. They are suitable for investors seeking growth with relatively lower volatility compared to pure equity funds.
Flexi Cap Funds: These funds have the flexibility to invest across market capitalizations based on market conditions. They offer a dynamic approach to asset allocation and can adapt to changing market trends.
Mid & Small Cap Funds: If you have a higher risk tolerance and a longer investment horizon, mid and small-cap funds can potentially offer higher returns. However, they also come with higher volatility and risk, so careful selection and monitoring are essential.
When selecting mutual fund schemes, focus on factors such as fund performance track record, fund manager's experience and strategy, expense ratio, and risk-adjusted returns. Additionally, consider diversifying your investments across multiple schemes to spread risk.

It's advisable to consult with a certified financial planner or investment advisor who can assess your financial situation, risk tolerance, and investment goals to provide personalized recommendations aligned with your needs and preferences.

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Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

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

Asked by Anonymous - Apr 12, 2024Hindi
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Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

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Hi sir right now 22 I want to invest in MF around 2500 per month for next 28 years suggest some best MF
Ans: Investing in mutual funds is a smart decision. It's a great way to build wealth over time. Starting at 22 gives you a long investment horizon, which is advantageous.

Benefits of Mutual Funds
Diversification: Spreading risk across various assets.
Professional Management: Managed by experienced fund managers.
Liquidity: Easy to buy and sell.
Convenience: Suitable for different financial goals.
Evaluating Investment Options
Avoid index funds. They often track market indices passively. This means lower returns compared to actively managed funds.

Disadvantages of Index Funds:

Lower Flexibility: Limited to the index performance.
No Active Management: No adjustments based on market conditions.
Potential for Mediocre Returns: Follows the average market performance.
Instead, consider actively managed funds. They aim to outperform the market. Professional fund managers adjust the portfolio based on market trends.

Benefits of Actively Managed Funds
Higher Return Potential: Aims to beat the market.
Professional Management: Fund managers actively monitor and adjust the portfolio.
Flexibility: Can adapt to market changes.
Regular Funds vs Direct Funds
Investing through a Certified Financial Planner (CFP) has distinct advantages over direct funds.

Disadvantages of Direct Funds:

Lack of Professional Guidance: No expert advice.
Time-Consuming: Requires constant monitoring.
Higher Risk: Without professional insights, the risk increases.
Benefits of Regular Funds with CFP:

Professional Advice: Access to expert insights.
Better Decision Making: Informed investment choices.
Regular Monitoring: Constant portfolio reviews and adjustments.
Risk Management: Strategies to mitigate potential risks.
Recommended Strategy
Diversified Portfolio: Invest in a mix of large-cap, mid-cap, and small-cap funds.
Systematic Investment Plan (SIP): Invest Rs 2500 monthly via SIP.
Long-term Horizon: Continue investing for the next 28 years for optimal returns.
Steps to Start
Choose a Reliable Fund House: Ensure credibility and good track record.

Consult a Certified Financial Planner: Get personalized advice.

Start SIP: Automate your monthly investments.

Review Regularly: Monitor and adjust based on performance.

Final Insights
Starting early with mutual funds is commendable. By avoiding index funds and opting for actively managed funds, you can aim for better returns. Investing through a CFP provides professional guidance, ensuring informed decisions and effective risk management. Keep investing consistently, review periodically, and stay focused on your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

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Ravi

Ravi Mittal  |475 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 26, 2024

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I am talking to a boy for arranged marriage. He said me that come to Bangalore you will have a good career. But he is also asking me if I can leave my job if I have got some responsibility in life to which I said yes. Then I said that I prefer own cooked food over cook cooked food. Then he asked me if I can cook for 2 people to which I said that I will have to look if I can do. He seems to be supportive when he talks on phone. Is he brain washing me, should I say yes or no. Is he a red flag. What should I do.
Ans: Dear Moumita,
It isn't fair to label someone as a red flag over a few days of conversation; seeing women take up responsibilities of home and disregard their own career or needs might be what he has seen growing up and it's not him being a red flag intentionally. A lot has to do with upbringing. What I can suggest with confidence is that if you love having your own job, and your own financial independence then please be vocal about it. Just because he is asking you to leave your job doesn't mean you have to do it- you are only in the talking phase. You are not married yet. You have ample time to rethink your choice. Cooking and housework shouldn’t just be your responsibility, just like earning and providing shouldn’t only be his. It’s about sharing the load equally. Having said that, I should also mention that every relationship is different, and each couple finds their own way of balancing things. Ultimately, everything boils down to what you are comfortable with- please take some time to figure that out and only then decide whether or not to take this relationship ahead.

Hope this helps.

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Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 25, 2024
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Hi, My GF of last 2.5 years gets attracted to men very often and shares her feelings with me as well. She developed feelings for a guy a year back and he kissed her once when they were drunk. She said she didn't had time to react and Later they had a talk, she informed me that they chose to be friends, she doesn't seems to in talking terms any more with him. She talks to lot of male friends who she claims are from LGBTQ community which I doubt whether all are or not. I always say she has the freedom to move on any given day but she can't cheat but she doesn't think getting attracted to multiple men and acting on it as cheating . She says, she is free spirited and she is ok even if I visit a prostitute house. She is in her early 30s. She had a crush another guy on insta and said she will definitely try him if he wasn't lot younger than her but later said he is her best friend and she is in constant touch. Lately, she says vibe doesn't match and have problem saying I am her BF. I tried to move on from relationship 2-3 times because of her above traits and now stopped talking since few days. She had both mental and medical issues. Can I trust her and will she have any mental issues again?
Ans: While it’s commendable that she is honest about her feelings and gives you the freedom to make your choices, it’s equally important to consider whether her values and actions align with what you need in a partner. Relationships thrive when there’s mutual respect, understanding, and agreement on boundaries. If her actions or mindset make you feel undervalued or emotionally unsafe, it’s crucial to reflect on whether this relationship is truly serving your well-being.

The fact that you’ve tried to move on multiple times suggests that there is a deeper discomfort within you about the dynamics between you two. Trust is not just about fidelity; it’s about emotional safety, reliability, and mutual respect. If her behavior consistently makes you question her commitment or your place in her life, that erosion of trust can become difficult to rebuild.

As for her mental and medical challenges, it’s important to approach those with empathy, but also with a clear understanding that you cannot "fix" or "heal" someone unless they are actively seeking and working toward their own well-being. If she has not addressed her mental health or continues behaviors that affect the relationship without taking responsibility, it can lead to ongoing strain for you. Her mental health challenges are not excuses for harmful behavior, nor should they become reasons for you to sacrifice your own emotional health.

You’ve already shown patience and willingness to work through these challenges, but the repeated cycles of doubt and frustration may be a sign that the relationship is taking more from you than it’s giving. Ask yourself if you feel supported, valued, and emotionally safe in this partnership. Relationships should bring out the best in you and your partner, not leave you questioning your worth or constantly trying to accommodate behavior that feels unfair.

Taking a step back, as you’ve done now, can give you the clarity to evaluate what you truly want and need in a relationship. If trust feels irreparably broken or if her behaviors and values are fundamentally misaligned with yours, it may be time to consider whether staying in this relationship is the healthiest choice for you. You deserve a partner who respects your boundaries and builds a connection based on mutual trust and understanding.

If you decide to stay, open communication and possibly couples’ therapy could help bridge the gaps. If you choose to move on, trust that this decision is about prioritizing your well-being and finding a relationship that aligns with your values and needs. Either way, your happiness and emotional health should come first.

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Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
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Hi Anu, My husband is in living relationship with another lady since April in another country. At the same time, he acused me as selfish for doing my PhD in my native country and put me in mental trauma by verbally accusing.Also,he was very clever, he step by step get rid of all the things related to our relationship and took bank all the bank fund in my name.After that he blocked me.I had doubts on his extra marital and asked him 1000 times. But he simply insulted and blocked me from all social media eventually. After finishing my PhD pre submission, when i went to meet him, in his place. I found him, shifted to another apartment. But i somehow, found it and there i came to knew, he is staying with a lady there for past months. I broke down and informed all his friends. Now he is threatening me for signing mutual consent, otherwise he will make false allegations and tore my good name..Already he partially did that. When I talked to his friends, he was crooked enough to tell them, i am a psycho, ademant, career oriented lady. I told him i am ready to give him mutual divorce after once we met in person. I want to ask him why he cheated me.but he is not ready to meet, he is asking me to talk to his advocate. What shall I do now?
Ans: While it’s natural to want answers and closure, sometimes people who betray us in such profound ways refuse to provide the accountability we seek. Closure doesn’t always come from the other person. It can come from recognizing that their actions stem from their own flaws and failings, not because of anything lacking in you. It can come from choosing to let go of the need for explanations and focusing instead on rebuilding your own sense of peace and purpose.

You’ve already demonstrated incredible strength by standing up to him and exposing the truth to his friends. That takes courage. But this is also a time to lean into your inner resilience and ensure you’re supported by professionals who can guide you through the legal and emotional complexities. Speaking with a family lawyer who understands the nuances of your situation will help you feel empowered to navigate his threats and protect your rights. At the same time, connecting with a counselor or therapist can offer a safe space to process your emotions and begin to heal from this trauma.

It’s okay to grieve the relationship and the betrayal. It’s okay to feel anger, sadness, or even numbness at times. These emotions are all part of the process of moving forward. Allow yourself to feel them without judgment, but also remind yourself that this pain is temporary and does not define you. You are more than what has been done to you.

When you feel ready, try to shift your focus away from him and his actions and toward your own well-being and future. You’ve worked so hard on your PhD and have built a life full of potential and possibility. This chapter doesn’t have to define the rest of your story. You are capable of creating a life that is free from manipulation and filled with self-respect, joy, and the kind of peace that comes from living authentically.

Lean on the people who believe in you, who see your value, and who can remind you of your strength when you feel unsure. Remember, you don’t have to handle this alone. Whether it’s through professional guidance or emotional support from trusted loved ones, there are paths forward that will help you rise above this situation. You deserve a life where your worth is honored, your boundaries are respected, and your happiness takes center stage.

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Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
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Hello, I am a 35-year woman from Manali, divorced for three years now. My family is constantly pushing me to get remarried, saying it’s ‘for my own good.’ But honestly, I don’t feel the need for marriage again. I’m financially stable, have great friends, and I genuinely enjoy my independence. Despite explaining this to my family multiple times, they keep bringing up alliances and even guilt-trip me, saying things like, ‘Who will take care of you when you’re older?’ or ‘What will society think?’ I’m exhausted from these arguments and feel like I’m being cornered into something I don’t want. How do I stand firm in my decision while maintaining my relationship with my family? How do I help them understand that being single is a choice, not a problem to fix?
Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

Sometimes families struggle to accept choices that diverge from traditional norms, often driven by fears about societal perceptions or imagined futures. Reassure them that your decision is rooted in thoughtful consideration and self-awareness, and that you’ve built a life that brings you peace and joy. If they bring up concerns like loneliness or old age, you can address these by expressing how you’ve cultivated strong support systems and how your independence equips you to face challenges.

It might also help to set gentle boundaries. For instance, you could say, “I appreciate that you care for me, but I’d like our time together to focus on enjoying each other’s company instead of discussing remarriage.” It’s okay to redirect conversations or take a break from them when you feel cornered.

Lastly, remember that changing deeply ingrained beliefs takes time. Your family might not immediately understand your perspective, but consistency and calm communication will help over time. It’s not your responsibility to conform to their expectations if doing so diminishes your sense of self. By staying true to your values while showing compassion for their concerns, you’re paving the way for mutual respect and understanding.

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Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

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Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi
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Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.
Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
This procedure if successful can avoid IVF procedure. Laparoscopy has…
Yes, before ivf get all your blood test, ecg, 2 D echo, xray chest to rule out any illness
Same with your husband to get semen analysis and viral markers with blood sugars to be done.

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Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

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Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi
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Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.
Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
5) supplements to controls effects of pcos
6) low dose OC PILLS TO regularize the cycles

...Read more

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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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