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Ramalingam

Ramalingam Kalirajan  |7209 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 20, 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 - Aug 29, 2023Hindi
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Hi Anil, could you advise me on a form of investment which would consistently give me an inflation beating return for the long term? I understand about the risk reward ratio being skewed towards being risky but would like to make and educated choice. TIA

Ans: For consistent inflation-beating returns in the long term, consider a diversified approach combining equity and debt investments:

Equity Mutual Funds: Invest in diversified equity funds or index funds for potential high returns. Opt for a mix of large-cap, mid-cap, and multi-cap funds to spread risk.
Public Provident Fund (PPF): This government-backed scheme offers tax-free returns and is a good long-term investment option with compounding benefits.
National Pension System (NPS): NPS offers a mix of equity, corporate bonds, and government securities, providing potential for higher returns with some stability.
Real Estate Investment Trusts (REITs): Consider REITs for exposure to the real estate sector, which can offer capital appreciation along with regular income.
Diversify across these options to balance risk and achieve long-term growth. Consult a financial advisor to create a personalized investment strategy tailored to your risk tolerance and financial goals.
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  |7209 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

Asked by Anonymous - Aug 29, 2023Hindi
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Hi Hemant, could you advise me on a form of investment which would consistently give me an inflation beating return for the long term? I understand about the risk reward ratio being skewed towards being risky but would like to make and educated choice. TIA
Ans: Investing for the long term with the goal of beating inflation requires a balanced approach that considers both risk and potential returns. Here are some investment options to consider:

Equity Mutual Funds: Investing in diversified equity mutual funds can provide higher returns over the long term compared to other asset classes. While they carry higher risk, historically, equity markets have delivered inflation-beating returns over extended periods. Choose funds with a track record of consistent performance and a well-diversified portfolio.

Public Provident Fund (PPF): PPF is a long-term savings scheme offered by the government with a tax-free interest rate. It has a lock-in period of 15 years and offers guaranteed returns that are currently higher than inflation.
National Pension System (NPS): NPS is a retirement-focused investment scheme that allows you to invest in equities, corporate bonds, and government securities. It offers market-linked returns and tax benefits, making it an attractive long-term investment option.
Gold: Investing in gold can act as a hedge against inflation and economic uncertainties. You can invest in physical gold, gold ETFs, or sovereign gold bonds to diversify your portfolio and protect your wealth.
Systematic Investment Plan (SIP): Investing through SIPs in mutual funds or stocks allows you to invest regularly and take advantage of rupee-cost averaging. It helps in reducing the impact of market volatility and building wealth over time.
It's essential to diversify your investments across different asset classes to spread risk and maximize returns. Consider your risk tolerance, investment horizon, and financial goals before choosing an investment option. Consult with a Certified Financial Planner to create a customized investment plan tailored to your needs and objectives. Regularly review and adjust your portfolio to ensure it remains aligned with your financial goals and risk tolerance.

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Dr Anshuman

Dr Anshuman Manaswi  |6 Answers  |Ask -

Plastic-Aesthetic Surgeon, Emergency Care Consultant - Answered on Dec 05, 2024

Asked by Anonymous - Dec 05, 2024Hindi
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Dear Doctor, I work as a corporate lawyer in Delhi. I’ve been considering undergoing a cosmetic procedure for my skin for some time now, but I’m feeling a bit overwhelmed by the number of surgeons available. I want to ensure that I choose someone who is experienced, as this is a big decision for me. Could you advise what I should look for when selecting a plastic-aesthetic surgeon? Are there any specific red flags I should be aware of when researching potential surgeons? I want to make sure I’m in safe hands. I’m 40 years old.
Ans: This is a beautiful question.
Before I dwell on your question, there are a few points which are very important for the patient to know.
1. You should roughly know what result you wish to have.
2. Never think of a perfect result. There is no such result.
3. You must think in terms of improvement and if you are sble to achieve more than 90% approx, it can be considred good.
4. Dont compare your results with any celebrity's result. There body structure is different, they have probably taken better care till now and importantly, the result you see on a public platform is after make up and not the real result. Some times it may be a photoshopped image
5. Let your doctor know if you have any medical history and addictions.
6. Don't go with pre concieved notion (especially if you have researched a lot online). Discuss with the doctor, listen to his/ her views and raise your concerns if any
7. Try and see some results of the doctors work (Remember, too good a result may not be the true result). Realistic result is what you should want to look at and believe.
8. Don't fall for less budget! its obvious a meticulous job needs more surgical time. This means that the doctor may charge more. Seniority also adds to the cost.
What I mean, there is a price to be paid for a good job.(whether medical or anywhere).
Now coming to the Plastic surgeon's choice.
1. Research well, but dont fall prey to only advertisement. Small and big centers, both advertise,
2. Dont fall for glamour. You are going to a surgeon. A plastic surgeon's clinic is clean but not lavish generally. At least I believe that the person coming is not a client, but a patient. A patient - Doctor relationship is more pure than a client-Professional relationship.
3. Talk and discuss with the doctor. A too busy doctor may not always be the best doctor for you. Plastic surgery is about thinking, planning and execution. A doctor who thinks aloud about your problem ( especially if ut us face, nose, breast etc) is applying his/ her knowledge for your betterment, because every oerson is different.
4. Check the resilts? Look for genuinity.
5. Be wary of arrogant, loud and boisterous people. There is a difference between confidence and fambloyence.
6. Doctors who are attached to reputed hospitals are generally good in their work.
7. A doctor who can talk about probable complications is also a doctor worth trusting.
I hope I am able to do justice to this difficult question. All the best. You can write again if you need any other clarifications.
Dr. Anshuman Manaswi

...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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