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Ramalingam Kalirajan |10669 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 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

Question by Sameer on Apr 11, 2024Hindi

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Sir , I am already investing in following mutual fund schemes 1. Mirae Asset Large & Mid Cap 2. Parag Parikh Flexi Cap 3. SBI Mall Cap I wish to invest Rs. 10,000 more monthly in MF, kindly provide me with names of funds.

Ans: Considering your existing investments, here are some mutual fund options you may consider adding to your portfolio:

Large Cap Funds: Look for funds that invest predominantly in large-cap stocks for stability and consistent returns.
Sector Funds: Consider sector-specific funds to add diversification and capitalize on specific industries' growth potential.
International Funds: Explore funds investing in international markets for global diversification and exposure to different economies.
Debt Funds: If you're looking for stability and income generation, debt funds can provide regular income with lower volatility compared to equity funds.
Ensure to conduct thorough research or consult with a financial advisor to select funds that align with your investment goals, risk tolerance, and overall portfolio strategy.

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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I am 25 years old. I am planning to invest 10k per month in MF. I earn around 30,000. Please suggest me the various MFs in which I can invest for a minimum term of 3 years.

Ans: You may invest Rs. 2500 each in these funds:

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I want to invest around 10,000/- pm in MFs. Following are some of the funds suggested by my friends. SBI Contra Fund - Direct Plan - Growth BOI AXA Tax Advantage Fund - Direct Plan Growth IDFC Tax Advantage (ELSS) Fund - Direct Plan - Growth Quant Active Fund Direct-Growth Aditya Birla SL India GenNext Fund (G) Reliance Growth Fund (G) Tata Equity P/E Fund (G) Axis Bluechip Fund - Direct Plan - Growth Aditya Birla Sun Life Digital India Fund Growth Tata Digital India Fund Growth Parag Parekh Flexi cap Growth Can you please advise which are the best ones from above or your advice to invest in others?

Ans: Sectoral funds are there, only one can be looked upon, 4, 7, 8, 11 seems better options

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

Question by Srinivas - Apr 12, 2024Hindi

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Hi sir.I am srinivas.my age is 43 investing from fast 1yr in sbi small cap fund(10,000). I want to invest more pls suggest some mfs

Ans: Considering your investment in SBI Small Cap Fund, you may diversify your portfolio by adding funds from different categories like large cap, multi-cap, or balanced funds. Always research and consult a financial advisor before investing.

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Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by vaibhav - May 06, 2024Hindi

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Sir I want invest 30 to 35 k every month for for long term for 10 yrs please suggest good mutual funds I want to diversify in large,mid cap and small cap and hybrid , debt etc risk wise allocation and I need 1 cr after 10 year. Please share the list of mf percentage wise investment

Ans: As a Certified Financial Planner I'm here to offer guidance on your investment queries. Let's dive in:

• Firstly, kudos to all of you for taking the initiative to seek advice on your financial future. Planning for the long term is crucial, and it's commendable that you're thinking ahead.

• Investing wisely requires careful consideration of various factors, including your financial goals, risk tolerance, and investment horizon. It's essential to align your investments with your objectives.

• Diversification is key to managing risk effectively. By spreading your investments across different asset classes, sectors, and geographical regions, you can mitigate the impact of market volatility.

• When it comes to building wealth over the long term, consistency is key. Regularly investing a fixed amount, such as through SIPs, allows you to benefit from rupee-cost averaging and smooth out market fluctuations.

• As a Certified Financial Planner, my role is to understand your unique circumstances and tailor an investment strategy that suits your needs. I'll take into account factors like your age, income, expenses, and financial goals.

• It's natural to feel overwhelmed or uncertain about investing, especially with so many options available. Rest assured, I'm here to simplify the process and provide guidance to the best of my abilities.

• Remember, investing is a journey, not a destination. It's essential to stay disciplined, patient, and focused on your long-term goals, even during periods of market volatility.

• As individuals seeking financial advice, I encourage you to consider consulting with a Certified Financial Planner. A CFP can provide personalized guidance and help you navigate the complexities of investment planning.

In conclusion, by seeking advice from a Certified Financial Planner, you can gain valuable insights and make informed decisions to achieve your financial aspirations. Let's embark on this journey towards financial success together!

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1. I have opt to file ITR-3 return under the new Tax regime for F.Y. 2024-2025 (A.Y. 2025-2026) 2. I have Short Term Capital Gain & Normal Business Loss, Income from house property & Other Sources of Income during the year (Gross Total Income is Rs. 6.25 Lacs) 3. I want to set-off business loss against short term capital gain instead of automatic set-off of business loss against House Property Income or Income from Other sources as per ITR online utility. 4. But online utility is not allowed to the set-off of business loss against short term capital gain. 5. Because of the above adjustment I have to pay income tax on Short term capital gain due to rebate u/s 87A is not considered for capital gain even though my total income is less than 7 Lacs. I would like to know that, is it mandatory to set-off of current year business loss against other income first then short term capital gain later as per Income tax act.

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Hi, is there any financial advisor who can help in severe debt conditions? Have Bank loans, NBFC and money on interest from people

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Ans: Shocked to hear your concerns! It’s surprising that even after completing MBBS from a reputed institution like Madras Medical College, you’re facing difficulties in finding the right job. But remember, this is not failure. It’s just a transition phase where patience and flexibility are key. It’s natural to feel low when expectations don’t meet reality, yet this doesn’t diminish your achievement. Explore alternative opportunities such as internships, research roles, rural postings, or preparing for specialization through NEET-PG if you haven’t already. Many successful doctors began their journeys in challenging conditions, and their perseverance eventually brought recognition. Talking with seniors and mentors can provide valuable guidance, while sharing your feelings with friends can help you avoid loneliness and fatigue.

At the same time, don’t neglect your mental and emotional well-being. Connect with peers who’ve been through similar struggles. It will remind you that this phase is temporary. You can also build additional skills in communication, public health, research, or even health technology, which may open new career paths. Use this period to strengthen your CV with workshops, volunteering, or online certifications. Most importantly, be kind to yourself: completing MBBS is already a huge accomplishment, and setbacks don’t define your worth. Sometimes, stepping back to rest and reflect can bring the clarity and energy you need to move forward with confidence.

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Follow me if you receive this reply.
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I am in a relationship with two men. One is an old friend who has been with me since my school days. I always thought of him as my friend but he recently proposed marriage. The other guy is my former colleague who I truly love but his parents do not agree to our marriage because he is a Catholic and I am a Jain. I tried breaking up with him but my heart refuses to let him go. He supports me but says that I will have to adjust after marriage. Meanwhile, my school friend is aware of my feelings and has been with me despite knowing about my past relationships. My family thinks I should choose him over my boyfriend. I am honestly confused and I am not able to decide what and who is right for me. Can you please help? Both are equally loving and care for me.

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asking for the 3rd time. Just for easy reference reposting. ........are these good for long term HDFC Bank, Tata Steel, Reliance Industries (RIL), Tata Motors, Coal India, EID Parry, Yes Bank, Zomato, Vedanta, EaseMyTrip, Sadbhav Engineering, and Suzlon Energy. Are these long term good stocks

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Asked by Anonymous - Aug 11, 2025Hindi

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My girlfriend doesn't want to share a bedroom with me after marriage. She says she wants her own space, and the bed and closet to herself. She shares we can share our bedrooms on special days but we will not invade each other's space. According to her, this will keep our marriage alive. This is the first time I am hearing something like this. I don't know how to react.

Ans: Dear Anonymous,
A few cultures across the world, married couples live in separate bedrooms and they seem to have better married lives. Now, this kind of an arrangement is very different from what we are used to; so you and your girlfriend need to sit down and talk about it and come to some sort of an arrangement that isn't extreme either for you or her. Talk, be honest...

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Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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My mother in law wants to shift into our home permanently. My husband agreed without consulting me. And now we are arguing about it. If we say NO to her, it will be obvious that I have rejected her. We don't get along with each other. What should I do?

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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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