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Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 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 - Jun 20, 2024Hindi
Money

Advice for mutual fund /please suggest

Ans: Mutual funds are investment vehicles that pool money from various investors to purchase securities like stocks, bonds, and other assets. This pooling provides investors with diversification and professional management, making mutual funds a popular investment choice.

Benefits of Investing in Mutual Funds
Diversification
Mutual funds invest in a wide range of securities, spreading out risk. This diversification helps protect your investment from the poor performance of a single security.

Professional Management
Mutual funds are managed by professional fund managers who have the expertise to make informed investment decisions. They monitor market trends and adjust the fund’s portfolio to achieve its objectives.

Liquidity
Mutual funds offer high liquidity. You can buy and sell mutual fund units on any business day. This ease of access to your money is a significant advantage.

Affordability
You don’t need a large amount of money to start investing in mutual funds. You can start with as little as Rs 500, making it accessible to all.

Flexibility
Mutual funds offer a range of schemes to suit different investment goals, risk appetites, and time horizons. Whether you want to save for retirement, your child’s education, or a holiday, there’s a mutual fund for you.

Types of Mutual Funds
Equity Funds
Equity funds invest primarily in stocks. They offer the potential for high returns but come with higher risk. They are suitable for investors with a long-term horizon and a higher risk tolerance.

Debt Funds
Debt funds invest in fixed-income securities like bonds and government securities. They are less volatile than equity funds and are suitable for conservative investors looking for stable returns.

Balanced or Hybrid Funds
Balanced or hybrid funds invest in both equities and debt. They offer a balanced risk-reward ratio and are suitable for investors looking for a mix of growth and stability.

Systematic Investment Plan (SIP)
SIPs allow you to invest a fixed amount regularly in a mutual fund. This disciplined approach helps in averaging the purchase cost and building a substantial corpus over time.

Selecting the Right Mutual Fund
Assess Your Risk Tolerance
Understanding your risk tolerance is crucial. It helps you choose a fund that matches your comfort level with market fluctuations.

Define Your Investment Goals
Clearly define your investment goals. Are you saving for retirement, a child's education, or a new home? Different goals may require different types of mutual funds.

Evaluate Fund Performance
Look at the historical performance of the fund. While past performance is not a guarantee of future results, it gives an idea of how the fund has managed various market conditions.

Check Expense Ratios
The expense ratio is the annual fee that mutual funds charge their shareholders. Lower expense ratios can mean higher returns for investors.

Consider the Fund Manager’s Experience
The experience and track record of the fund manager are critical. A seasoned fund manager can navigate market ups and downs effectively.

Disadvantages of Index Funds
Index funds aim to replicate the performance of a market index. While they offer low expense ratios, they lack the potential for outperformance that actively managed funds offer.

Limited Flexibility
Index funds are rigid as they strictly follow the index composition. Active funds can adapt to changing market conditions.

Average Returns
Index funds aim to match the market, so their returns are average. Actively managed funds have the potential to outperform the market.

Lack of Professional Management
Index funds do not benefit from the expertise of fund managers, which can be a disadvantage in volatile markets.

Benefits of Actively Managed Funds
Potential for Higher Returns
Active fund managers use their expertise to select high-performing securities, aiming to outperform the market.

Adaptive Strategy
Active funds can adjust their strategy based on market conditions, potentially avoiding downturns and capitalizing on opportunities.

Expertise of Fund Managers
Investors benefit from the knowledge and experience of professional fund managers, who actively monitor and adjust the fund's portfolio.

Disadvantages of Direct Funds
Direct funds are mutual funds purchased directly from the fund house, bypassing intermediaries. While they have lower expense ratios, they may not always be the best choice.

Lack of Professional Advice
Without a Certified Financial Planner (CFP), you might miss out on valuable advice and insights that can enhance your investment strategy.

Complex Decision-Making
Choosing the right funds and managing your portfolio can be complex and time-consuming without professional guidance.

Potential for Lower Returns
Without expert advice, you might not optimize your investments, leading to lower returns compared to investments made through a CFP.

Benefits of Regular Funds via CFP
Expert Guidance
Investing through a CFP provides you with expert advice tailored to your financial goals and risk tolerance.

Simplified Process
A CFP can simplify the investment process, helping you choose the right funds and manage your portfolio effectively.

Better Portfolio Management
With a CFP, your portfolio is regularly reviewed and adjusted to align with your changing financial goals and market conditions.

Common Mistakes to Avoid
Chasing Past Performance
Investors often make the mistake of investing in funds that have performed well in the past, without considering current market conditions and future potential.

Ignoring Expense Ratios
High expense ratios can significantly impact your returns over time. Always consider the cost of investing.

Lack of Diversification
Investing too much in one type of asset can be risky. Diversify your investments to spread risk.

Not Reviewing Your Portfolio
Regularly review your portfolio to ensure it aligns with your goals and market conditions. Adjust as necessary.

The Importance of a Long-Term Perspective
Compounding Benefits
Investing for the long term allows your investments to benefit from compounding, where your returns generate additional returns.

Weathering Market Volatility
Long-term investing helps you ride out market volatility and take advantage of market recoveries.

Achieving Financial Goals
A long-term perspective aligns with most financial goals, such as retirement or funding a child’s education, which require substantial amounts of money.

Empathy and Understanding Your Needs
Personalized Approach
A CFP takes a personalized approach, understanding your unique financial situation and goals to provide tailored advice.

Building Trust
Building a relationship with a CFP ensures you have a trusted advisor to guide you through your investment journey.

Emotional Support
Investing can be stressful. A CFP provides emotional support, helping you stay calm during market fluctuations and stick to your investment plan.


Choosing to invest in mutual funds is a smart decision. It shows you are proactive about securing your financial future. Your decision to seek professional advice reflects a commitment to making informed and strategic investment choices.

Final Insights
Investing in mutual funds offers numerous benefits, including diversification, professional management, and flexibility. By understanding your risk tolerance, defining your investment goals, and selecting the right funds, you can build a robust investment portfolio. Avoid common mistakes, and consider the advantages of actively managed and regular funds over index and direct funds. With a Certified Financial Planner by your side, you can navigate the complexities of investing and work towards achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
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  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

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suggest mutual fund for long term for good returns
Ans: Selecting Mutual Funds for Long-Term Growth

Investing in mutual funds for long-term growth requires careful consideration of various factors to ensure the suitability of the funds for your financial goals and risk tolerance. Here's a comprehensive guide to help you navigate the selection process:

Understanding Long-Term Investment Objectives:

Before choosing mutual funds, it's essential to define your long-term investment objectives, such as wealth accumulation, retirement planning, or funding a specific financial goal. Understanding your investment horizon, risk tolerance, and return expectations will guide you in selecting suitable funds aligned with your objectives.

Analyzing Fund Performance and Track Record:

Evaluate the historical performance and track record of mutual funds over long-term periods, preferably five to ten years or more. Look for funds that have consistently outperformed their benchmarks and peers, demonstrating strong fund management capabilities and investment strategies conducive to long-term growth.

Assessing Fund Management Team:

Examine the expertise and experience of the fund management team responsible for making investment decisions. A skilled and seasoned fund manager with a proven track record of delivering consistent returns can significantly impact the long-term performance of the fund.

Examining Fund Portfolio and Strategy:

Review the composition of the fund's portfolio, including asset allocation, sectoral exposure, and diversification across stocks or securities. A well-diversified portfolio with exposure to different sectors and market caps can mitigate risks and enhance long-term growth potential.

Considering Risk Factors and Volatility:

Evaluate the risk profile of mutual funds, considering factors such as volatility, downside protection, and susceptibility to market fluctuations. While higher-risk funds may offer the potential for greater returns over the long term, they also entail increased volatility and downside risk, which may not be suitable for all investors.

Assessing Expense Ratios and Fees:

Compare the expense ratios and fees associated with mutual funds, including management fees, administrative costs, and other expenses. Lower expense ratios translate to higher returns for investors over the long term, as less of the fund's assets are consumed by fees and charges.

Choosing Fund Categories and Investment Styles:

Select mutual funds from different categories and investment styles to build a diversified portfolio that balances growth potential with risk mitigation. Consider allocating investments across equity funds, debt funds, hybrid funds, and thematic funds based on your risk appetite and investment objectives.

Seeking Professional Advice and Guidance:

Consult with a Certified Financial Planner (CFP) who can provide personalized advice and guidance tailored to your financial goals, risk tolerance, and investment preferences. A CFP can help you navigate the mutual fund landscape, select suitable funds, and construct a diversified portfolio optimized for long-term growth.

Conclusion:

Investing in mutual funds for long-term growth requires thorough research, careful analysis, and a disciplined approach to portfolio construction. By focusing on fund performance, management expertise, risk factors, and investment objectives, you can identify suitable mutual funds that align with your long-term financial goals and aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

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Hai sir I am mr kashyap of aged 30 I am having 10 lakhs please suggest me a better mutual fund for better return in crores
Ans: It's important to set clear financial goals. Understand your risk tolerance before investing. As a young investor, you can take higher risks for higher returns. Aim for a diversified portfolio to balance risk and return.

Benefits of Actively Managed Funds
Actively managed funds offer better potential for higher returns. Professional fund managers select stocks based on research. This can outperform index funds, which just track the market. Actively managed funds are ideal for those seeking higher returns over the long term.

Importance of Diversification
Diversification spreads risk across different assets. Invest in a mix of equity, debt, and sector funds. This reduces the impact of any single investment's poor performance.

Benefits of Regular Funds
Regular funds come with the expertise of a Certified Financial Planner (CFP). CFPs provide personalized advice and regular monitoring of your investments. This ensures your portfolio remains aligned with your goals. Regular funds often perform better due to professional guidance.

Recommended Fund Types
Equity Funds: Suitable for long-term growth. Invest in large, mid, and small-cap funds.

Debt Funds: Provide stability and lower risk. Ideal for short to medium-term goals.

Sector Funds: Focus on specific sectors like technology or healthcare. High risk but high potential returns.

Systematic Investment Plan (SIP)
Consider starting a SIP with your Rs. 10 lakhs. SIPs allow you to invest a fixed amount regularly. This reduces the risk of market volatility. It's a disciplined approach to wealth creation.

Monitoring and Rebalancing
Regularly review and rebalance your portfolio. This keeps your investments aligned with your goals. Rebalancing helps maintain the desired level of risk.

Professional Guidance
Seek advice from a Certified Financial Planner (CFP). They can provide tailored investment strategies. Professional guidance helps you achieve your financial goals efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 07, 2024

Asked by Anonymous - Nov 06, 2024Hindi
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Sir, can you please suggest some good mutual fund in financial services. I m looking for long term and risk appetite is high. I am willing to take higher risk.
Ans: Investing in the financial services sector can offer high growth potential, especially for those with a high-risk tolerance and a long-term horizon. Let’s explore how you can approach this sector through mutual funds while considering both potential and strategic risks.

1. Understanding Sector-Specific Mutual Funds
High Growth Potential: Financial services funds focus on banks, non-banking financial companies (NBFCs), insurance firms, and other financial institutions. This sector has historically delivered good growth as the economy expands, but it is also sensitive to economic cycles.

Volatility Consideration: Financial services funds are inherently more volatile due to their dependence on economic and interest rate cycles. Investors with a high risk tolerance, like you, may find these funds suitable for long-term growth. However, they might experience sharp fluctuations during downturns.

2. Actively Managed Funds over Index Funds
Avoiding Index Funds: While index funds mirror the market’s overall performance, they don’t offer sector-focused options in financial services. Furthermore, index funds don’t leverage fund managers’ expertise in navigating specific sector cycles.

Benefits of Actively Managed Funds: Actively managed mutual funds with a skilled fund manager can capitalise on opportunities within the financial sector, making them suitable for long-term, high-risk investors. These managers carefully select high-growth financial companies and adjust the portfolio based on economic changes, thus offering better growth potential.

3. Choosing Regular Funds with an MFD & CFP
Drawbacks of Direct Funds: Direct funds may appear to have lower expense ratios, but they lack ongoing advisory support. With sector-specific funds, periodic review and expert advice become more critical due to sector volatility.

Advantages of Regular Funds: Investing in regular funds through a Mutual Fund Distributor (MFD) who holds a Certified Financial Planner (CFP) credential adds significant value. They can provide personalised guidance, help rebalance your portfolio, and ensure it aligns with your financial goals, especially given the risks of sector-specific investments.

4. Diversification within Financial Services
Select Sub-Sector Exposure: In financial services, diversification across banking, insurance, and asset management companies can offer balanced exposure. Some funds may concentrate on large-cap financial companies, while others include mid-cap and small-cap players with higher growth potential.

Balancing with Broader Equity Funds: While it’s good to capitalise on financial services, holding a portion of your portfolio in broader, diversified equity mutual funds can add stability. A high exposure to financial services may result in excessive risk during economic downturns, while broader funds provide stability and reduce sector concentration risk.

5. Tax Efficiency and Recent Rules
Equity Mutual Fund Taxation: For long-term capital gains (LTCG) above Rs 1.25 lakh, the tax rate is 12.5%. Short-term gains (STCG) attract a 20% tax. Considering these tax rules, it is best to aim for long-term holding in equity funds to optimize post-tax returns.

Rebalancing Based on Tax Implications: Working with a CFP can help you strategically rebalance based on tax efficiency, avoiding unnecessary churn and capital gains tax.

6. Monitoring and Reassessing Regularly
Regular Portfolio Review: Sector-specific funds require ongoing monitoring due to economic and market cycles. Financial services are highly sensitive to government policies, interest rate changes, and economic conditions.

Guidance from a Certified Financial Planner: A CFP can help you navigate market changes, review your portfolio annually, and adjust based on sector performance. This can help optimise your returns while keeping risk within your comfort level.

Final Insights
Investing in financial services mutual funds can align with your high-risk appetite and long-term goals. By selecting actively managed funds through an MFD with a CFP, you can maximise potential growth and leverage sector-focused insights. Diversifying within the financial sector and balancing with broader equity investments will offer stability and reduce concentrated risk. Regular monitoring and tax-efficient rebalancing are essential for achieving sustainable growth.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

..Read more

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Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

1. Ask for referrals: Ask friends, family, or coworkers for recommendations. They can provide valuable insights into a dentist's work quality and bedside manner.

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Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out
Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

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Hi, I got married to my ex gf in an arranged setup. I had a 7 year of relationship with her before breakup. My career switch try from private to govt job was the reason. When I failed I returned back to corporate. 3 years after the breakup her father who is a good friend of my father sent proposal which led to our marriage. No one knew that we dated. We never had a word between the acceptance and marriage. None of us initiated the conversation. When she came after marriage her behavior towards me in private is totally strange. We never had an emotional conversation. Neither we discuss romance nor intimacy. In private we hardly have any intellect discussions which was an eternal part before our breakup. But when she is in public she behaves like she cares for me a lot. She is a darling of everyone in the house whether my parents or siblings. Most of the time she remains with my mother and she has good bond. In front of her she cares for me a lot. She had this double faced attitude from the first day. Our intimacy is limited to my ask she could agree or disagree but she never initiated it. She was pretty passionate before our breakup which I never saw after our marriage. I tried everything but nothing has happened she never opened up. She disconnected with almost all our mutual friends after marriage. Whenever I tried through some of her friends she says to them I overthink a lot. Marriages and relationships differs. All useless and weird reasons. Everyone blames my teenage short temper issue. Which I have completely overcame when I started working. After marriage we had a boy. She says no for a next child for which I am fine. But the problem is now my child is growing and she has started understanding her hypocrisy. Now she blames me for teaching him wrong things. We hardly had fights as she walks out or I won't say word usually after she didn't answer for anything. I am unable to see the light in this relationship. She had 3 relationships in between but I never had one which I never discussed. Now I hardly ask for anything. Day by day we are becoming only room partners or fake couples in public. Everyone sees her as an ideal daughter in law or wife due to her public hypocrisy. Please guide.
Ans: Dear Salman,
I understand that marital issues take a huge toll on people. Whatever you are feeling, it is very normal. I strongly suggest you seek professional help- you can either opt for personal counseling sessions to manage the distress caused by your partner's indifference, or the best approach is to convince your wife to go for marriage counseling with you. It would be good to get to the root of the matter; why is she behaving a certain way, where is this coming from, are there unresolved issues from when you dated? These questions will finally get an answer and you can work on them together. If she does not agree to go, tell her to do it for your child. No child should have to see their parents unhappy with each other.

Hope this helps.

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I want to give NEET exam but my 12th in Maharashtra Board marks are less than 150 in PCB (general), so I am not eligible. can I give retest of 12th to get better marks so that I can give NEET.
Ans: Hi, Being a retest candidate is considered a second attempt in +2. I think the medical council will not allow admission to medicine. Instead, you can consider B.Pharm / Pharm D.

To join, the following are the requirements:

For pharm D: Minimum qualification for admission to. – a) Pharm.D. Part-I Course – A pass in any of the following examinations - (1) 10+2 examination with Physics and Chemistry as compulsory subjects along with one of the following subjects: Mathematics or Biology. (2) A pass in D.Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act. (3) Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course.

FOR B.PHARM:
Minimum qualification for admission to – A. First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time.

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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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