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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 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 - Jan 10, 2024Hindi
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I am 66, may I invest rs.5,000/- SIP with step up 15% p.a. either multi asset fund or large & midcap fund. My mail I'd rabic76@ Gmail.com

Ans: As a 66-year-old investor, it's crucial to consider your investment goals, risk tolerance, and financial situation when making investment decisions. While investing in mutual funds through SIPs can be a good strategy for long-term wealth accumulation, it's essential to choose funds that align with your needs.

Investing Rs. 5,000/- SIP with a step-up of 15% p.a. in either a multi-asset fund or a large & midcap fund can be suitable depending on your risk tolerance and investment horizon. Here's a brief comparison of both options:

Multi-Asset Fund: These funds invest in a mix of equity, debt, and sometimes other asset classes like gold. They offer diversification across asset classes, which can help manage risk. However, the equity component may still expose you to market volatility.

Large & Midcap Fund: These funds invest in a combination of large-cap and mid-cap stocks. They offer the potential for higher returns compared to large-cap funds alone, but they also come with higher risk due to exposure to mid-cap stocks.

Considering your age, it's advisable to prioritize capital preservation and downside protection while still aiming for reasonable returns. Therefore, a multi-asset fund may be more suitable as it provides diversification across asset classes, including relatively safer debt instruments.

However, before making any investment decisions, it's crucial to consult with a financial advisor who can assess your specific financial situation, goals, and risk tolerance to provide personalized advice. They can help you select the most appropriate investment strategy to meet your needs and objectives.
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 Apr 23, 2024

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My age is 57 years old. You may please advise me to invest in some SIPs of Rs. 15000/- per month for 5 years.
Ans: starting an SIP at 57 is a commendable step towards securing your financial future. Here’s a thoughtful approach tailored for you:

Risk Assessment: At this stage, capital preservation becomes paramount. Opt for balanced funds or hybrid funds that provide a blend of equity and debt. This offers growth potential while cushioning against market volatility.
Asset Allocation: Diversify your SIPs across asset classes to spread risk. Consider allocating a portion to equity for growth and the remainder to debt for stability.
Tenure Consideration: A 5-year SIP is relatively short-term in the investment horizon. However, it's essential to align with your retirement plans. Ensure the chosen funds have a consistent track record over this period.
Tax Efficiency: Look for tax-saving SIPs under Section 80C, if you haven’t exhausted the limit. This can provide tax benefits while growing your wealth.
Periodic Review: Regularly monitor the performance of your SIPs. If any fund underperforms consistently, consider switching to a better-performing fund.
Stay Informed: Keep yourself updated with the market trends and financial news. This helps in making informed decisions and staying ahead of potential risks.
Emergency Fund: Ensure you have an emergency fund equivalent to 6-12 months of expenses. This will provide a financial cushion during unforeseen circumstances without liquidating your investments.
Remember, the goal is not just to invest but to invest wisely. It's essential to strike a balance between growth and stability, ensuring your investments align with your financial goals and risk tolerance. Your commitment to investing at this stage reflects prudence and foresight. Best wishes for your investment journey!

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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Hi I am 42 currently I did SIP of 20k from last 3 years each 1. ELSS each 1k are 1.Axis long term equity 2.mirai asset 3.canara robeco 3.invesco India 4.parag parikh 2.Midcap funds - White Ock 1k 2.Invesco India multi cap fund 1k 3. Thematic fund - 1 Franklin India apportunity fund 5k 4. Multi asset allocation fund - Tata multi asset opp fund 5k 5. Flexi cap fund - 1.kotak multi asset allocator 1k 2.HDFC flexi cap fund 1k 6. Dynamic Asset allocator - Edelweiss balanced Adv 1k 7. Large & Mid cap - Axis growth apportunity fund 1k 8. Small cap fund - Nippon India 1k Suggest me I want invest another 5k
Ans: It's great to see your diversified investment approach through SIPs across various mutual fund categories. Considering your existing portfolio, here's a suggestion for investing an additional 5k:

Given your current allocation, you might want to consider adding to a category where you have relatively lower exposure. Since you already have investments in ELSS, Midcap, Thematic, Multi-Asset Allocation, Flexi Cap, Dynamic Asset Allocator, Large & Mid Cap, and Small Cap funds, you may consider adding to a fund category that complements your existing holdings.

Considering your investment style and the current market scenario, you might want to explore investing in a Balanced Advantage Fund or a Hybrid Equity-Oriented Fund. These funds dynamically allocate between equity and debt instruments based on market conditions, providing a balance of growth potential and downside protection.

Here's a suggested addition to your portfolio:

Balanced Advantage Fund: Invest the additional 5k in a reputable Balanced Advantage Fund that has a proven track record of managing market volatility and delivering consistent returns over the long term.
Ensure you research and select a fund that aligns with your risk tolerance, investment goals, and overall portfolio strategy. Additionally, regularly review your portfolio's performance and make adjustments as necessary to stay on track with your financial objectives.

Always remember to consult with a certified financial planner or investment advisor before making any significant changes to your investment strategy.

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 12, 2024

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Ramalingam I am Murugesan I am 47 years old. Advise me to invest in SIP. Fund name and Amount please
Ans: Hello Murugesan, it's great to hear from you. Considering your age and investment horizon, investing in SIPs can be a wise choice to build wealth over the long term.

Given your age and the potential need for stability in your investment portfolio, you may want to consider a mix of equity and debt funds. Equity funds offer growth potential but come with higher volatility, while debt funds provide stability but typically offer lower returns.

For equity funds, you may consider large-cap or multi-cap funds, which invest in well-established companies with a track record of stable performance. These funds can provide growth potential while mitigating some of the risks associated with smaller companies.

For debt funds, you may look into short-term or medium-term debt funds, which invest in fixed-income securities like government bonds and corporate bonds. These funds offer stability and regular income, making them suitable for investors seeking capital preservation.

As for the amount to invest in SIPs, it's important to determine a comfortable amount based on your financial goals, income, and expenses. A general guideline is to aim for a savings rate of around 10-15% of your income, but this can vary depending on individual circumstances.

It's crucial to choose funds that align with your investment objectives and risk tolerance. I recommend consulting with a Certified Financial Planner who can assess your financial situation holistically and recommend a personalized investment strategy tailored to your needs.

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 Jan 16, 2025

Asked by Anonymous - Dec 13, 2024Hindi
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Sir want 30000 invest in SIP for my early retirement. Please provide me SIP fund. I want invest for 10 to 15 years. I have close my rs30000 RD Monthly for this sip and 30000 RD is continue
Ans: For your goal of early retirement through a SIP of Rs. 30,000 monthly, it's important to build a diversified portfolio for stable returns. Here’s an investment strategy to consider:

60% in Large Cap Equity Funds
These funds provide stability and growth potential over the long term. They focus on large, established companies with good track records.

20% in Mid Cap Funds
Mid-cap funds offer higher growth potential, but they come with a bit more risk. Over 10-15 years, they can outperform large-cap funds.

20% in Hybrid Funds or Balanced Advantage Funds
These funds strike a balance between equity and debt. They provide a mix of growth and stability, especially in volatile markets.

Avoid investing in direct plans as it may limit professional advice and regular monitoring. Choosing funds via MFD (Mutual Fund Distributor) with a CFP credential ensures better guidance.

Time Frame for Investment
Since your investment horizon is 10-15 years, you’re in a good position to take advantage of market cycles. This time frame allows your investment to grow significantly through compounding and market upswings.

Regular Monitoring
Review your investments periodically, preferably every 6 months. Adjust your allocation if necessary to stay aligned with your goals.

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

..Read more

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
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Hello sirji I got place at NIELIT Ajmer and Thapar both CSE and in NIELIT cyber security and I am from Haryana so wht should I choose?
Ans: As a student from the State of Haryana you are offered seats at NIELIT Ajmer for CSE and Cyber Security alongside CSE at Thapar University, a comprehensive evaluation reveals distinct academic and career pathways. NIELIT Ajmer’s B.Tech in Computer Science and Engineering covers Internet of Things, Cyber Security, and Blockchain Technology with a 60-seat capacity, admission via JEE Main closing around 47,166 for general category, and government-funded programs under MeitY ensuring affordable fees and specialized labs. Thapar University’s CSE achieved an 83% placement rate in 2023 with 334 recruiting companies, robust T&P infrastructure, and major recruiters like Google, Amazon, Microsoft, Deloitte, and IBM. Thapar’s average package of ?11.90 LPA underscores consistent industry engagement and comprehensive training. NIELIT Ajmer Cyber Security offers targeted government-backed certification courses, dedicated placement cells, and proximity to Haryana (~322 km), while NIELIT Ajmer CSE remains nascent with limited placement history. Both institutions feature modern laboratories, libraries, and safe residential facilities supporting holistic student development.

Recommendation: Choose Thapar University CSE for its better job placement record, strong ties with companies, and good academic standing; look at NIELIT Ajmer Cyber Security for affordable, government-supported training in new security technologies; steer clear of NIELIT Ajmer CSE because it has little job placement information and is still growing. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Hello sir, I need your help in selecting college. The options i have are;- cse in sastra university tanjaore, and industrial and production engineering in nit jalandhar. Which would be better to choose for placements and industry?
Ans: Reshwanth, SASTRA University’s B.Tech Computer Science and Engineering curriculum emphasizes core programming, data structures, algorithms, operating systems and electives in AI, IoT and cybersecurity, backed by experienced faculty and smart classrooms with high-speed Wi-Fi and modern computer labs. Active MoUs with Tata Electronics, AstraZeneca and Bajaj BEST Center foster internships and industry-academia research collaborations. According to NIRF 2025, 83% of UG 4-year graduates secured placements with a median package of ?7.60 LPA and top recruiters including TCS, Amazon and Microsoft. NIT Jalandhar’s Industrial and Production Engineering offers a curriculum covering manufacturing systems, operations research, quality control and supply-chain management, delivered by a strong permanent faculty, modern workshops and CNC labs. The institute ranked 58th in NIRF engineering 2024, houses a dedicated T&P Cell and records a 77.6% placement rate with an average package of ?8.59 LPA for IPE, attracting recruiters like Amazon, Tata Steel and various PSUs. Both campuses provide robust student support, campus safety and entrepreneurship cells, but differ in specialization focus and placement consistency.

Recommendation: Considering slightly higher placement consistency and focused CSE industry tie-ups, opt for SASTRA University CSE for strong IT placements and research exposure; for core manufacturing roles with marginally higher average packages, choose NIT Jalandhar IPE. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Career
Hello Sir My son has got CSE at III T Hyderabad and AI Hello Sir My son has got CSE at III T Hyderabad and AI at NIT Surathkal. Kindly guide what to prefer . at NIT Surathkal. Kindly guide what should he prefer .
Ans: IIIT Hyderabad’s B.Tech in Computer Science and Engineering features a hands-on curriculum with foundational courses in programming, data structures, algorithms, networks, operating systems, and flexible elective tracks in AI, systems, and theory, ensuring depth and breadth in emerging areas. Its placement rates have exceeded 99% for CSE over the past three years, with an average package of ?31.98 LPA in 2025 and top recruiters including Google, Microsoft, and Amazon. The 66-acre residential campus offers state-of-the-art air-conditioned labs (1:2 PC-student ratio), 24×7 security, smart classrooms, research centres, and robust industry collaborations. NIT Surathkal’s B.Tech in Artificial Intelligence emphasizes specializations in data science, human-centred computing, cyber-physical systems, and robotics under NEP-aligned curriculum. Its AI branch achieved a 93% placement rate with an average package of ?18.26 LPA in 2023, supported by major recruiters like Google and MRPL, and leverages a fully Wi-Fi campus with modern labs, a digital library of 130,000 volumes, and extensive conference and sports facilities across 296 acres.

Recommendation:
IIIT Hyderabad CSE offers superior placement consistency, higher average packages, cutting-edge research infrastructure, and stronger industry linkages, making it the preferable choice for a purely technical trajectory, whereas NIT Surathkal AI provides focused AI specialization with solid facilities but relatively lower placement outcomes. My Suggestion: Prever IIIT-H over NIT-S. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 16, 2025

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My son got Cse data science in VIT Chennai and Cse in Jaypee and Cse with minor Aiml in national institute of electronics and information technology Gorakhpur after sixth round, please suggest suggest.
Ans: Anup Sir, Based on the inputs, your son can decide the most suitable option out of 3 options: VIT Chennai’s B.Tech in CSE with Data Science specialization delivers a rigorous curriculum encompassing core programming, predictive analytics, machine learning and big data frameworks, supported by smart classrooms, high-speed Wi-Fi, modern computer labs and dedicated data-science research centers. Placements for the CSE school average 85–90% with leading recruiters such as TCS, Infosys, Cognizant and Deloitte, and internship-to-job conversions bolstered by industry tie-ups. Jaypee Institute of Information Technology Noida’s CSE program follows an NEP-aligned structure with strong emphasis on problem solving, AI/ML electives and hands-on capstone projects, underpinned by a dedicated placement cell that achieved 107% job-offer rate overall and 112% for CSE participants, with a median package of ?6.50 LPA and top recruiters including Microsoft, Cisco and Amazon. NIELIT Gorakhpur’s CSE curriculum integrates electronics and IT fundamentals with a minor in AI/ML training modules delivered through certified courses; its Model Career Centre has mobilized over 900 candidates into placement drives and offers career counselling, skill-development workshops and government-industry linkages, though its published placement rate stands near 46% with median salaries of ?5 LPA. All three institutions provide robust faculty expertise, accreditation, campus safety and active industry collaboration.

VIT Chennai’s established CSE-Data Science program leads with superior infrastructure, placement reach and focused research. Jaypee Noida CSE ranks second for its high placement offers and balanced tech curriculum. NIELIT Gorakhpur follows, offering government-backed AI/ML training and solid career counselling despite lower placement conversion. All the BEST for Admission & 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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