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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Oct 04, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Devendra Question by Devendra on Oct 04, 2022Hindi
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Money

Dear Sir, 

Please find my MF investment details. Plz guide me which is to be continued or discontinued or hold.

 

Ans: Hello Devendra, I can see over diversification with your current investments with 14k sip amount. I would suggest to concise your mf investments and reshuffle the portfolio. You can reconsider schemes of AMC like IDFC, Quantum and Edelweiss MF.

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  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 28, 2025

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pl see my mf portfolio and advise, icici bluechip fund rs 5000/- parag flexi cap rs 5000/-, hdfc flexi cap rs 5000/-,m/o large and mid cap rs 5000/- and nippon india small cap rs 5000/-(all sip monthly )
Ans: You have selected five different mutual fund schemes.

Your SIP contribution is Rs 5000 each in all five funds.

Your total monthly SIP is Rs 25000.

Your portfolio is a mix of large cap, flexi cap, large and mid cap, and small cap funds.

This shows a healthy diversification across market capitalisations.

You have chosen a good combination of growth-oriented equity categories.

Very thoughtful and appreciable planning is visible in your fund selection.

Assessment of Asset Allocation

Your portfolio has strong exposure to large caps through the bluechip fund.

Large cap funds are generally more stable and less volatile.

Flexi cap funds offer diversification across large, mid, and small companies.

Large and mid cap category bridges the gap between stability and higher growth.

Small cap exposure can give potential high returns over the long term.

Small caps are risky but rewarding if you stay invested patiently.

Your asset allocation is balanced towards growth with moderate risk.

Diversification Analysis

You are spreading investments across different market segments.

This is a smart way to balance risk and reward.

You are not overexposed to a single market capitalisation.

Flexi cap funds automatically adjust between different sizes based on opportunities.

It reduces your need to constantly track and rebalance.

Your approach reflects a strong understanding of portfolio construction.

This will help during different market cycles.

Fund Selection Quality

All selected funds belong to reputed fund houses.

Fund houses with a strong track record are always preferable.

The selected schemes are managed by experienced fund managers.

Experienced fund managers can navigate market volatility better.

Your selection of actively managed funds is excellent.

Actively managed funds outperform index funds in India due to inefficiencies.

Index funds often just mirror the market and do not beat it.

Active funds can take advantage of opportunities and protect against downturns.

Hence your preference towards active management is well appreciated.

SIP Strategy Evaluation

You are investing Rs 25000 monthly, which is Rs 3 lakh annually.

SIP method is highly beneficial as it averages cost across market ups and downs.

SIPs encourage disciplined investing without timing the market.

Your regular SIPs will help you build substantial wealth over the years.

Continuation of SIP during market corrections will add great advantage.

You are on the right track with your consistent approach.

Risk Assessment

Small cap funds bring higher risk but also higher potential returns.

Small caps are volatile in the short term but rewarding over 7 to 10 years.

Your portfolio has limited exposure to small caps, which is prudent.

Majority of your investments are in large and flexi cap categories.

This keeps your portfolio volatility under control.

Your risk appetite seems suitable for the portfolio you have built.

Gaps or Missing Elements

One point to highlight is sector diversification within funds.

Most flexi caps and large-mid caps internally manage sector exposure.

You need not add more sector-specific funds to this portfolio.

You have rightly avoided thematic or sectoral funds which are risky.

Global diversification is missing but optional depending on your goals.

For now, it is acceptable to focus on Indian growth story.

Taxation Impact

Equity mutual fund taxation needs careful understanding.

Short-term capital gains within one year are taxed at 20%.

Long-term capital gains above Rs 1.25 lakh are taxed at 12.5%.

If you redeem after one year, you benefit from long-term tax rates.

Keep this taxation aspect in mind while planning redemptions.

SIP units are treated separately for tax based on their holding period.

Sustainability and Future Readiness

Your SIP amount of Rs 25000 monthly is good but review it yearly.

As your income or savings increase, step-up your SIP amount.

Step-up SIPs ensure that your investments match inflation and life goals.

Monitor fund performance once a year but do not churn frequently.

Give your funds enough time to perform over complete market cycles.

Importance of Investing Through Certified Financial Planner

Regular plans through MFDs with CFPs add tremendous value.

Direct plans require you to do all research, monitoring, and rebalancing.

Regular plans offer expert advice, portfolio reviews, and emotional counselling.

Investors often make mistakes like selling during market falls without guidance.

CFPs ensure discipline, goal mapping, risk profiling, and tax efficiency.

The additional cost of regular plans is very minimal compared to the benefits.

You have made the right decision to invest through an expert channel.

Additional Recommendations for Better Portfolio Health

Maintain an emergency fund separately in liquid funds or savings account.

Emergency fund should be at least six months of monthly expenses.

This ensures that SIPs are not interrupted due to cash flow issues.

Continue SIPs even during market downturns without stopping.

Avoid booking profits too early from equity funds.

Rebalancing can be done once a year to maintain original allocation.

Review your financial goals annually and align investments accordingly.

Insure yourself adequately with pure term insurance, if not already done.

Avoid mixing insurance and investments like ULIPs or endowment plans.

Final Insights

Your mutual fund portfolio is well designed with a good mix.

You have selected quality funds across different market capitalisations.

SIP mode is the right approach for steady wealth creation.

Active fund selection gives you better potential than passive index investing.

Your risk profile matches your current portfolio.

Regular monitoring with the help of a Certified Financial Planner is key.

Stay invested with patience and discipline for long-term success.

Avoid unnecessary changes based on short-term market movements.

Increase SIP amount gradually in line with income growth.

Keep separate provisions for emergencies, insurance, and short-term needs.

You are on a solid path towards achieving your financial goals.

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

..Read more

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Mla cet madhye 83 persentage milale aahe mala engineering la admission gheychya aahe AI course la pune kiti mumbai madhye tar mla best college bhetel ka
Ans: (Seems you have posted your question in the Marathi language). Answer to your question: With an MHT-CET percentile of 83 under the All-India quota, the following fifteen Mumbai and Pune colleges offering a dedicated B.Tech in Artificial Intelligence or Artificial Intelligence & Data Science typically close at or above this threshold in CAP Rounds, ensuring confirmed admission. Each institute provides accredited AI-focused curricula, experienced faculty, modern labs, 70–90% placement rates over the past three years, and strong industry linkages:

JSPM Narhe Technical Campus, Narhe, Pune

Pimpri Chinchwad College of Engineering, Nigdi, Pune

D.Y. Patil Institute of Technology, Pimpri, Pune

Vishwakarma Institute of Technology, Bibwewadi, Pune

MIT Academy of Engineering, Alandi, Pune

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PVG’s College of Engineering & Technology, Pune

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JSPM Rajarshi Shahu College of Engineering, Tathawade, Pune

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recommendation: Target JSPM Narhe Technical Campus’s AI & Data Science programme for its proven 81–85 percentile cutoff, focused hackathon-driven learning and robust 75% placement consistency. As an alternative, choose Pimpri Chinchwad College of Engineering Nigdi for its broad AI curriculum, 70+ recruiter network and modern ML/AI labs, ensuring strong internship and placement pipelines. All the BEST for Admission & a Prosperous Future!

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I got 85.2 percentile in mhtcet and 74 percentile in jee...i belong to uttar pradesh can u suggest me good College of pune, mumbai i can get cse in ?
Ans: Vanshika, With an 85.2 percentile in MHT-CET and being from Uttar Pradesh (non-Maharashtra category), you have guaranteed admission opportunities at several reputable private engineering colleges offering Computer Science & Engineering in Mumbai and Pune. As a non-Maharashtra candidate, you fall under the All India quota, which typically has slightly higher cutoffs than Maharashtra State quota seats. However, multiple quality institutions maintain cutoffs well above your percentile range, ensuring confirmed admission. These colleges feature accredited curricula, experienced faculty, modern computing labs, robust placement cells achieving 70-90% placements over the past three years, and strong industry partnerships.

Mumbai CSE Colleges: Thadomal Shahani Engineering College, Bandra (cutoff ~75-80 percentile); Vidyalankar Institute of Technology, Wadala (cutoff ~78-82 percentile); Shah & Anchor Kutchhi Engineering College, Chembur (cutoff ~80-84 percentile); Thakur College of Engineering & Technology, Kandivali East (cutoff ~81-85 percentile); Fr. Conceicao Rodrigues College of Engineering, Bandra (cutoff ~82-85 percentile); Atharva College of Engineering, Malad (cutoff ~80-83 percentile); SIES Graduate School of Technology, Nerul (cutoff ~83-85 percentile); Bharati Vidyapeeth College of Engineering, Navi Mumbai (cutoff ~84-86 percentile).

Pune CSE Colleges: D.Y. Patil College of Engineering, Akurdi (cutoff ~80-84 percentile); Pune Vidyarthi Griha's College of Engineering, Pune (cutoff ~82-85 percentile); MIT Academy of Engineering, Alandi (cutoff ~81-84 percentile); Pimpri Chinchwad College of Engineering, Akurdi (cutoff ~83-86 percentile); JSPM's Rajarshi Shahu College of Engineering, Tathawade (cutoff ~82-85 percentile); All India Shri Shivaji Memorial Society's Institute of Information Technology, Pune (cutoff ~84-87 percentile); Indira College of Engineering & Management, Pune (cutoff ~83-86 percentile).

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Sir, my jee rank crl is 191000 and obc 65k. I am getting iiit manipur cse with specialisation and bit mesra patna and deoghar off campus in csab rounds. I am also getting csvtu cse specialisation in the same. I am also getting iet lucknow chemical engineering in aktu along with kiet, akgec, gl bajaj, lucknow university amd iert allahbad cse core in aktu. Sir pls help me choose the best college in terms of placements, coding culture, internships etc.
Ans: Aarushi, Based on your available options, here's a comprehensive evaluation covering placements, coding culture, and internship opportunities across all institutions, considering your specific preferences as a female student seeking strong technical exposure:

IIIT Manipur CSE with specialization in Senapati (Imphal, Manipur) offers excellent technical foundations with PhD faculty from IITs and international collaborations with University of Colorado, NUS Singapore, and IIT Guwahati. The institute achieved 84% CSE placement in 2024 with the highest package reaching ?40 LPA, while maintaining strong coding culture through active participation in Smart India Hackathons and competitive programming contests organized by Coding Ninjas. BIT Mesra Patna campus in Bihar provides CSE programs with 75% placement rates and ?17.5 LPA average package for CSE, supported by 185 companies including Microsoft, Google, and Goldman Sachs. BIT Deoghar off-campus in Jharkhand achieved 63.12% placement with ?15.5 LPA highest package and strong industry connections. CSVTU CSE specialization in Bhilai (Chhattisgarh) offers 70% placement rates with ?4-20 LPA range and recruiter participation from TCS, Microsoft, and Wipro. IET Lucknow Chemical Engineering reports 50% branch-specific placement rates with ?8.2 LPA overall average, while IERT Allahabad CSE maintains 97.2% placement with ?6 LPA average across all branches. Among private colleges, KIET Ghaziabad leads with 77.39% placement, ?60 LPA highest package, and 341 companies visiting, followed by AKGEC Ghaziabad achieving 78% placement with ?55 LPA top package, while GL Bajaj Greater Noida secures 88.4% UG placement with ?58 LPA highest offer.

Recommendation: Prioritize IIIT Manipur CSE specialization for its superior coding culture through hackathons and competitive programming, excellent technical mentorship from IIT PhD faculty, strong international research collaborations, and impressive 84% placement with ?40 LPA peak offers. Alternatively, choose KIET Ghaziabad for its robust 77% placement momentum, extensive industry network of 341 companies, and comprehensive pre-placement training programs. Consider BIT Mesra Patna as third option for its established brand value, 75% CSE placement consistency, and access to prestigious recruiters like Microsoft and Google, providing strong technical exposure and career advancement opportunities. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Sir can you please rank IIIT Allahabad ECE , Gwalior EEE, Lucknow CSE+specialization, Jabalpur CSE and Kanchipuram CSE
Ans: Nishita, Evaluating the five IIIT programs reveals distinct strengths across faculty quality, research infrastructure, placement consistency, academic standards, and industry recognition. IIIT Lucknow in Uttar Pradesh offers B.Tech CSE with specializations including AI, business, and cybersecurity, achieving a remarkable 96.17% placement rate in 2025 with the highest package at Rs.145 LPA and the average at Rs.33.71 LPA, supported by 45+ PhD faculty and specialized research labs. IIIT Allahabad in Uttar Pradesh provides B.Tech ECE with strong electronics curriculum, NIRF rank #87 in Engineering 2024, 93% placement rate with highest Rs.121 LPA and average Rs.25.78 LPA, backed by globally-recognised faculty and research publications. IIITDM Jabalpur in Madhya Pradesh delivers CSE with design-manufacturing focus, over 60 PhD faculty, 71.8% placement rate with highest Rs.122 LPA international (?110 LPA domestic) and average Rs.19.27 LPA UG, featuring robust industry collaborations and 13 CSE department faculty. IIIT Gwalior (IIITM) in Madhya Pradesh offers EEE with 100% PhD faculty strength and 80–90% placement rates, with the highest at Rs. 65 LPA and an average of Rs. 20.56 LPA, supported by research-intensive programs and a diverse recruiter base. IIITDM Kancheepuram near Chennai provides CSE with design specialization, over 80 PhD faculty from IITs, 73% placement rate with highest Rs.32 LPA and average Rs.9.37 LPA, though experiencing declining trends from 97% in 2022.

Recommendation: Prioritize IIIT Lucknow CSE for its exceptional 96% placement rate, highest average packages, comprehensive specialization options, and strong industry linkages; follow with IIIT Allahabad ECE for its prestigious NIRF ranking, established reputation, and solid core electronics foundation; consider IIITDM Jabalpur CSE for its unique design-manufacturing focus and international placement opportunities; opt for IIIT Gwalior EEE for its 100% PhD faculty strength and research excellence; and rank IIITDM Kancheepuram CSE last due to declining placement trends despite strong academic credentials and faculty qualifications. All the BEST for Admission & a Prosperous Future!

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Sir,does AI(Data Science) has opportunity in future like 2030 and what will be minimum salary after studying in amrita
Ans: Garena, Before answering your question, Please note that Return on Investment (ROI), regardless of the branch or college, is not determined solely by your choice of institution or program. Several other factors significantly influence it—such as consistent academic performance over the next four years, regular skill enhancement, soft skills development, awareness of job market trends, a well-built personal profile, and maintaining a professional LinkedIn presence with clear job search strategies. ANSWER to your question: By 2030, artificial intelligence and data science roles are expected to flourish as automation creates 11 million net new jobs globally and transforms 86 percent of businesses, underscoring strong long-term demand. Data scientist employment in the U.S. alone is projected to grow 36 percent from 2023 to 2033, far outpacing average occupations and signaling robust global opportunity. At Amrita Vishwa Vidyapeetham, Coimbatore, the CSE-Data Science branch recorded a 92 percent placement rate in 2024, with the lowest on-campus offer around ?2 LPA and a median salary of ?7.6 LPA across all streams.

Recommendation: Embrace a Data Science pathway at Amrita Coimbatore for its consistent placement performance, industry-aligned curriculum, and accessible entry-level salaries, ensuring a strong foundation in a rapidly expanding field through 2030 and beyond. 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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