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Ramalingam

Ramalingam Kalirajan  |9282 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 11, 2023

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
Prasanna Question by Prasanna on Feb 10, 2023Hindi
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7:54 PM Good evening Sir. I want to create a corpus of Rs 2 crore for my family in next 10 years. Could you please suggest some good mutual funds that will help me realise my dreams? Thank you.

Ans: Hi, 10 years is a long term. You can invest in diversified equity funds. You can invest via lump sum and SIP. Though it can give you negative returns in the short run, it will give you inflation beating returns in the long run.
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  |9282 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2024

Asked by Anonymous - Dec 27, 2023Hindi
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Hello Sir, I am aged 45 years now and want to create corpus. I have approx 50000/- INR per month as my savings. Please recommend good mutual funds which can grow my corpus for my retirement and children's higher education. Thank you.
Ans: With a monthly savings of 50,000 INR, you have a substantial amount to invest in mutual funds for both your retirement and your children's education. Here's a diversified portfolio you could consider:

Large Cap Funds: Invest around 30% of your savings in large-cap funds for stability and steady growth. These funds invest in established companies with a track record of performance.

Multi-Cap Funds: Allocate 30% of your savings to multi-cap funds, which offer exposure to companies of various sizes and sectors. These funds provide flexibility and potential for higher returns.

Mid Cap Funds: Dedicate 20% of your savings to mid-cap funds for potential high growth. These funds invest in medium-sized companies with growth potential.

Small Cap Funds: Allocate 10% of your savings to small-cap funds for aggressive growth potential. These funds invest in small-sized companies with high growth prospects.

Balanced/Hybrid Funds: Invest the remaining 10% in balanced or hybrid funds for diversification and stability. These funds invest in a mix of equities and debt instruments.

Remember to review your portfolio regularly and make adjustments as needed based on your financial goals and market conditions. Additionally, consider consulting with a financial advisor to tailor a strategy that aligns with your specific needs and risk tolerance.

..Read more

Ramalingam

Ramalingam Kalirajan  |9282 Answers  |Ask -

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

Asked by Anonymous - Jun 21, 2024Hindi
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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

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Nayagam P

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Career Counsellor - Answered on Jun 30, 2025

Asked by Anonymous - Jun 30, 2025Hindi
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CSE at BML Munjal University or CSE with specialization in IOT, Cybersecurity and Blockchain at CGC, Landran.
Ans: BML Munjal University’s B.Tech CSE is UGC-recognized under Section 2(f) and holds NAAC A accreditation with a QS I-Gauge Diamond rating. Its department features PhD-qualified faculty in AI, ML, IoT and cybersecurity, a Siemens-backed Centre of Excellence and state-of-the-art computing labs, and MoUs with Siemens PLM, Microsoft and other industry leaders. Over the last three years, BMU CSE placement rates have ranged from 84.5–97%. In contrast, CGC Landran’s B.Tech CSE (IoT & Cybersecurity including Blockchain) is NAAC A+ and NBA accredited, ranks #101–150 in NIRF Engineering, and is supported by expert faculty. Its infrastructure includes AI Skills Labs by Dell-Intel, a C-DAC Cybersecurity Lab, and AWS, Red Hat and Oracle collaborative labs, backed by industry partnerships with IBM, NASSCOM, Oracle Academy and Grazitti Interactive. CGC Landran reports a consistent 90–95% placement rate with over 1,000 recruiters and 10,000 job offers annually.

Recommendation: Choose CGC Landran CSE (IoT, Cybersecurity & Blockchain) for its NAAC A+ accreditation, NIRF ranking, specialized labs, extensive industry partnerships, and 90–95% placements in emerging domains; opt for BMU CSE if you prefer UGC recognition, global interdisciplinary electives, Siemens-backed CoEs, computing infrastructure, and 85–97% placement consistency in core computing fields. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Dr Upneet

Dr Upneet Kaur  |50 Answers  |Ask -

Marriage counsellor - Answered on Jun 30, 2025

Relationship
I am male married since 2013 , I was working full time and had good career for 10 yrs, I absolutely did not had any physical or mental health issues before marriage and was working full time as IT professional. After marriage from begning I had conflicts and disputes with inlaws. They were keeping too many expectations from My Wife and were doing lot of interference and trying to control My Wife and our married life. They were not allowing us to live our married life independently. There is no issues or conflicts between Me and My Wife and she is living with Me by her own will , but My Wife is mentally and physically weak so she does not handle inlaws and is unable to set the boundries with them after marriage. My in laws are immoral, highly manipulative and controlling people, on face they show and act as if they are very matured people and gentleman but behind they do all sort of negative and immoral activties. They also practice black magic and do all sorts of immoral activities to control My Wife and harm Me. After 5 yrs of marriage , I am suffering from rare, severe and complex Neurological disease since 2019 , I am like bed bound, and having difficulty in talking, sitting upright for long time. I am not able to work due to My severe health condition since 5 yrs now. Taking advantage of My severe, rare and long term health condition , My in laws are defaming Me and spreading rumors about Me to the neighbours, relatives and wherever I go by tracking My activities. They are telling that I am mentally unstable and have had physcological / mental issues from begning of marriage and they are trying to earn fake soft corner of thier daugther in front of people saying that our daughter is caught in this toxic marriage and her life is getting spoilt due to this marriage. They are also tracking each and every activity of Mine by hacking my mobile and creating severe obstacles by defaming Me and spreading rumors about Me They are trying to block My medical treatment by misguiding the Doctors and also blocking anyone who is helping Me ? They are forcing Me indirectly to convience My Wife and take mutual divorce and also demanding Money one time Amount from Me. --------------------------------------- How can I deal with such situation ? Considering I am bedbound and My health condition is severe , I am not in position to take legal action against them What can I do to stop this defamation and turning people against Me ? What can I do about tracking of all My activities through hacking of My mobile ?
Ans: Hello sir.
I am sorry to hear the situation of yours. I would suggest you to keep your wife in confidence so that your in laws can't reach your doctor and you can take your proper treatment. Secondly dont take stress of defamation. People around you know you. Now just concentrate on your health so that you can recover from it and join your job again.
Take care!
Regards
Dr Upneet Kaur

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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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