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Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 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 - Nov 04, 2023Hindi
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My age is 24 years old I investing in mutual fund. For 1 years. 1 Axis Blue chip fund 1000rs 2 Axis small cap fund 1000rs 3 Mirrae asset tax sever Elsa 1000rs 4 Mirrae asset mid cap fund 1000rs 5 quant flexi cap fund 1000 I want to creat 50 lakh in 15 years Plz suggest me about my portfolio

Ans: Your investment journey at such a young age reflects foresight and financial prudence. The portfolio you've crafted showcases a blend of large-cap, small-cap, and diversified funds, which is a good start.

To aim for a 50 lakh corpus in 15 years, let's delve into some considerations:

Consistency is Key: Regularly investing small amounts over time can harness the power of compounding. Stick to your SIPs diligently, and avoid reacting to short-term market fluctuations.
Diversification: While your current portfolio has a mix of funds, consider diversifying further by exploring international funds or sector-specific funds to spread risk and capture global growth opportunities.
Risk and Reward: Understand the risk associated with each fund. Small-cap and mid-cap funds can offer higher returns but come with increased volatility. Ensure your portfolio aligns with your risk tolerance.
Review and Rebalance: Periodically review your portfolio to ensure it remains aligned with your financial goals and market conditions. Rebalance if necessary to maintain desired asset allocation.
Stay Invested, Stay Patient: Investing is a long-term game. Embrace the journey with patience, and resist the temptation to make frequent changes based on market noise.
Remember, investing is not just about chasing returns but aligning your investments with your life goals and aspirations. Continue your financial journey with confidence and discipline.
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  |10881 Answers  |Ask -

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

Asked by Anonymous - Feb 29, 2024Hindi
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Hello I'm working in private sector and my age is 34. Currently i'm investing in 7 mutual funds for longterm wealth creation. Rs1000 in Quant Small Cap Fund Direct Plan Growth, Rs1000 in Quant Mid Cap Fund Direct Growth, Rs1000 in Quant ELSS Tax Saver Fund Direct Growth, Rs1000 in Parag Parikh Flexi Cap Fund Direct Growth, Rs1000 in Nippon India Nifty Smallcap 250 Index Fund Direct Growth, Rs1000 in Motilal Oswal Nifty Midcap 150 Index Fund Direct Growth, Rs1000 in DSP Nifty 50 Equal Weight Index Fund Direct Growth. Please let me know if you see any need for corrections or changes in my portfolio. Thank you.
Ans: Evaluating and Optimising Your Mutual Fund Portfolio
Commendation on Your Investment Strategy
First, congratulations on your commitment to long-term wealth creation. At 34, you have ample time to grow your investments, and your diversified approach is commendable. Investing in mutual funds is a smart way to build wealth over time.

Analysis of Your Current Portfolio
Understanding Your Choices:

You are currently investing Rs. 1,000 each in seven mutual funds. Your portfolio includes small-cap, mid-cap, ELSS tax saver, flexi-cap, and index funds. This diversification helps spread risk across different market segments.

Pros:

Diversification: Your investments cover various market capitalisations and sectors, reducing risk.
Growth Potential: Small-cap and mid-cap funds can offer high growth potential over time.
Tax Savings: ELSS funds provide tax benefits under Section 80C.
Cons:

Overlapping Investments: Multiple funds in similar categories can lead to overlapping, reducing overall diversification.
Management Effort: Managing many funds can be time-consuming and may require frequent monitoring.
Assessing Direct Funds vs. Regular Funds
Direct Funds:

Lower Expense Ratios: Direct funds have lower expense ratios, meaning more of your money is invested.
Requires Expertise: Direct investing requires a good understanding of the market and funds.
Regular Funds:

Professional Guidance: Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) provides expert advice.
Active Management: Professional fund managers actively manage your investments, aiming to outperform the market.
Evaluating Actively Managed Funds vs. Index Funds
Actively Managed Funds:

Potential for Higher Returns: Fund managers actively select stocks to beat the market, potentially offering higher returns.
Personalised Management: These funds can be tailored to market conditions and investment goals.
Index Funds:

Market Performance: Index funds aim to replicate the market, which may limit returns.
Lower Fees: They generally have lower fees but lack the flexibility of active management.
Suggested Portfolio Adjustments
To optimise your portfolio, consider the following adjustments:

Reduce Overlap:

Consolidate Funds: Streamline your investments by consolidating funds with similar objectives. This reduces overlap and simplifies management.
Increase Active Management:

Professional Management: Shift some investments from index funds to actively managed funds. This leverages the expertise of professional managers.
Balance Risk and Return:

Diversify Wisely: Ensure a good mix of high-growth potential funds and stable investments. This balances risk and return effectively.
Empathy and Understanding Your Financial Goals
Your dedication to investing and building wealth is admirable. It’s essential to align your investments with your long-term goals. By reviewing and adjusting your portfolio, you can enhance its performance and achieve financial success.

Conclusion
Your current investment strategy is on the right track. With some adjustments and professional guidance, you can optimise your portfolio for better returns. Diversification, professional management, and balancing risk will help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

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

Asked by Anonymous - Apr 03, 2024Hindi
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Money
I am 50 working professional. Below is my MF portfolio . 1. Parag Parikh Flexi Cap Fund 2.6 lakhs + 10K SIP 2. PGIM India Midcap Opportunities Fund 1.85 L Value + 5K SIP 3. Quant ELSS Tax Saver Fund 80K 4. Axis Small Cap Fund 1.85 Lakhs Value + 5K SIP 5. Axis Gold Fund 75K Value + 5K SIP 6. Canara Robeco Bluechip Equity Fund 70K 7. Quant Multi Asset Fund 50K 8. SBI Magnum Income Fund 50K 9. ICICI Prudential Equity & Debt Fund 50K 10. Quant Active Fund 50K 11. ICICI Prudential Bluechip Fund 25K I want to build a retirement corpus of 2 crore in 10 years. I am planning to invest around 50K every month. Plus i have. surplus of 4Lakks which i want to invest in few of the MFs above. Planning to exit Canara Robeco bluechip and Axis Small cap soon. Please suggest if any changes you want me to do.
Ans: Given your goal of building a retirement corpus of 2 crores in 10 years and your current portfolio, here are some suggestions:

Increase SIP Contributions: Consider increasing your SIP amounts in high-performing funds like Parag Parikh Flexi Cap and PGIM India Midcap Opportunities Fund, which have shown good potential for long-term growth.

Review and Consolidate: Evaluate the performance of all your funds and consider consolidating your portfolio to fewer, well-performing funds to simplify management and potentially enhance returns.

Focus on Quality: Prioritize funds with strong track records, consistent performance, and experienced fund management teams. Consider adding large-cap and diversified equity funds for stability and balanced growth.

Asset Allocation: Ensure a balanced asset allocation across equity, debt, and gold funds based on your risk tolerance and investment horizon. Reallocate surplus funds strategically to maintain a diversified portfolio.

Regular Review: Monitor your portfolio regularly and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.

Consider consulting with a financial advisor for personalized advice tailored to your specific circumstances and goals.

..Read more

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Nayagam P

Nayagam P P  |10854 Answers  |Ask -

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Career
Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Dr Dipankar

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Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
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Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

...Read more

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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