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Ramalingam Kalirajan |7332 Answers |Ask -Follow

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

Question by Rohan on Oct 31, 2023Hindi

Money

Best mutual fund for large and midcap for 5 years.?

Ans: For a 5-year investment horizon in the large and midcap category, you'd want funds that have demonstrated consistent performance, have a solid track record, and are managed by experienced fund managers. While I can't recommend specific funds, I can provide you with guidelines on what to look for:

Consistent Performance: Look for funds that have consistently outperformed their benchmark and peers over various market cycles.
Fund Manager Experience: A fund managed by an experienced and skilled fund manager often performs better. Research the fund manager's track record and investment strategy.
Expense Ratio: Lower expense ratios mean higher returns for investors. Choose funds with a reasonable expense ratio compared to their peers.
Asset Size: A larger asset size often indicates investor trust and confidence in the fund. However, extremely large funds might find it challenging to maintain high returns due to liquidity constraints.
Risk Metrics: Check the fund's volatility and risk-adjusted returns (like Sharpe and Sortino ratios). Lower volatility and higher risk-adjusted returns indicate better risk management by the fund.
Portfolio Composition: Ensure the fund's portfolio aligns with your risk appetite and investment objective. A well-diversified portfolio with a mix of large and midcap stocks can offer stability and growth potential.
Historical Returns: While past performance is not indicative of future results, it can provide insights into the fund's consistency and ability to generate returns.
Fund House Reputation: Opt for funds managed by reputed fund houses known for their ethical practices, transparency, and investor-centric approach.
Lastly, it's crucial to review your investments periodically and make adjustments based on changing market conditions, your financial goals, and risk tolerance. Consider consulting with a financial advisor or doing thorough research before making investment decisions.

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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Mutual Fund Expert - Answered on Mar 06, 2023

Asked by Anonymous - Mar 01, 2023Hindi

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Hi, whic MF is best for Midcap fund, long term 5-10 years

Ans: Hello. Thanks for writing in. You can consider starting SIP's in:
1-SBI Magnum Midcap Fund
2-Kotak Emerging Equity Fund

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Mutual Fund Expert - Answered on May 12, 2023

Question by ASHWANI - Apr 09, 2023Hindi

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which midcap mutual fund is better to invest for 5-7 years?

Ans: Hi Ashwani, thanks for writing to me. You can consider investing in:

1-SBI Magnum Midcap Fund
2-UTI Midcap Fund
3-Kotak Emerging Equity Fund
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Ramalingam Kalirajan |7332 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Question by ranjit - Oct 13, 2023Hindi

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what is the best mid cap mutual fund for long term

Ans: Selecting the best mid-cap mutual fund for long-term investment is much like choosing a seed for a tree that you hope will grow tall and strong over the years. Just as every tree needs the right environment, nourishment, and care to flourish, every mutual fund requires careful selection based on its track record, management quality, and alignment with your investment goals.

Mid-cap funds, often referred to as the 'middle children' of the investment universe, have the potential to offer a balance between growth and risk. They represent companies that are beyond their initial growth phase but still have ample room for expansion. However, like any growing tree, they can also be susceptible to storms and droughts in the market.

A Certified Financial Planner can play a pivotal role in helping you navigate this decision. Their expertise can guide you towards funds with a consistent performance history, competent fund managers, and a robust investment strategy tailored to long-term growth.

In the realm of investments, consistency and adaptability are virtues. A fund that has demonstrated resilience across market cycles and has the flexibility to adapt to changing market conditions can be a worthy contender for your long-term investment journey. As you sow the seed of your investment today, may it grow into a robust tree that provides shade and fruit for your future.

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Paediatrician - Answered on Dec 25, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Health

Hello Doctor, my daughter Anaya, is 4 years old. She’s super active and cheerful, but I’ve noticed that she’s been a bit fussy with her eating. She used to love fruits and veggies, but now it’s a struggle to get her to eat anything that’s not plain rice or biscuits. I’m worried she’s not getting the nutrients she needs for her growth. Also, I’ve heard a lot of parents talk about giving kids multivitamins or supplements, but I’m unsure if that’s really necessary or just a trend. Can you help me understand if her eating habits are just a phase or if I should be concerned? What can I do to make sure she’s eating healthy without turning every meal into a battle? Thanks in advance

Ans: Donot offer processed stuff especially if sweet like biscuits as a food substitute. Be consistent with meal times and no snacks to be offered in between. This includes sweet drinks like juices too. Junk food to be allowed only once a week or two weeks of she has been eating a balanced diet through the week. So no chocolates on a daily basis. Once you do this, she will start getting hungry. Then only give her a balanced diet even if she resists. It doesn't matter if she eats less than what you think should be eaten.

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Relationships Expert, Mind Coach - Answered on Dec 25, 2024

Asked by Anonymous - Dec 19, 2024

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I have a question that I’ve been too embarrassed to ask anyone, but I feel like it’s time to get some clarity. I’m a woman in my early 30s, in a stable relationship, but recently, I’ve been noticing something that’s throwing me off track. I’ve been having a lot of intense sexual thoughts that I can’t seem to shake off. It's not just about attraction to my partner; these thoughts are more spontaneous and often come at the most random moments. They feel almost uncontrollable, and it’s starting to affect how I see myself. I feel like I’m living in two worlds – one where I’m a responsible adult, and the other where these lustful feelings seem to take over, and it’s hard to focus on anything else. I’ve tried suppressing them, distracting myself, but it feels like they come back stronger, almost like my mind has a mind of its own! It’s frustrating, and honestly, I’m not sure if I should feel guilty or empowered by these urges. How do I handle this without feeling like I’m losing control? Any tips on how to balance my desires with my everyday life?

Ans: Dear Anonymous,
Lust and behaviors that arise from it are just one aspect of your life not the only thing. When you get consumed with it in a way that it starts to impact your daily living, then hey, you have to do something really heavy to make a change.
Now, what can that be? A new skill, a hobby...these kind of challenges keep the mind in a learning mode and channelizes your energies into another thing as well.
But of course, do make sure that you and your partner are also having your share of intimacy. This along with learning something new can ideally do the magic. Also, put on those gym shoes, running shoes or anything that gets you enough physical activity. See where all this goes...
On, and guilt, is quite a wasteful job in your case...so drop it and focus on newer things that keep you on your toes.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Dec 25, 2024

Question by Siya - Dec 07, 2024Hindi

Relationship

I am 28 years old and have been in relation for 3.8 yr my bf parents wanted him to get married they are fine wth me but problem was he is from SC category and my parents are not agreeging and i have 2 younger sister as well , if i secretly marry my bf then my sisters will not b able to get married , what should i do .i love my parents soo much sice me and my bf were preparing for upsc we dont have any job till now , we are just beginning our careers in private sector. My father has problem wth he being from SC and i am gurjar . What should i do and now my bf parents are forcing him to get married to another girl. What sould do and how to handle this situation

Ans: Dear Siya,
Either you go with what your parents say OR completely go your way. You can't sadly have it all...what can you do when you are emotionally weighed down by the fact that one decision against your parents and your sisters may not get married. It's a lot to handle...
Choose one side and stick with it; but do understand it will come with its own set of challenges and hope that someday things will settle down and work itself out.

All the best!
Anu Krishna
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1410 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 25, 2024

Asked by Anonymous - Dec 17, 2024Hindi

Relationship

Hi Anu, I need some advice that’s a bit out of the ordinary. I’ve been married for 8 years, and my wife and I have recently been discussing investing in property together. The twist is, we have very different ideas on what to do with it. I’ve always been more of a numbers person—thinking about it as a solid financial investment. I want to buy something that will increase in value over time and add to our financial security. On the other hand, my wife sees it more as a home. She’s emotionally attached to the idea of a cozy, dream house, somewhere we can raise our family and enjoy life together. So, we’ve been butting heads a bit, as I’m leaning more towards an investment property in a growing area, while she’s looking for something more in line with what we want to live in now. It’s getting a little tense between us because I feel like she’s not seeing the financial side of things, and she thinks I’m too focused on money and not on our happiness. Is there a middle ground where we can both be happy?

Ans: Dear Anonymous,
Well, it's dream v/s practicality, yeah?
When you get to a stalemate situation like the one you and your wife are in, the best way is to go back to the Square A.
Start where you began when you married...list down what's important to each of you and somewhere in your case, it will lead not just to her wants and yours, but it will go back to money and financial prudence. When you hit this, come to an understanding as to how you will overcome this; it has to be mutually agreed upon. Then bring your current home buying issue and solve it just like the way you sorted your differences over finances. Try it...it will work...

All the best!
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Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ramalingam Kalirajan |7332 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 25, 2024

Asked by Anonymous - Dec 24, 2024Hindi

Money

I am 47 yr old IT Professional. I have diversified my porfolio across MF - 60L , Direct Equity - 15 L, Gold (SGB - 20L, Physical - 50L) , Real Estate - 2 CR(Flat), Independent home (2.5CR) which fetching 30K Monthly Rental. EPF - 90L, NPS - 20 L, FD - 90L, Sukanya Samridhi for 2 Daughters - 14L Each till date. I am contributing upto 1.5 L monthly into NPS, Equity MF. My MF is diversified into Flexi, mid and small cap fund (Total 8 Funds in portfolio). I am looking to build retirement corpus of 8 Cr based on my current monthly expenses.

Ans: You have a well-diversified portfolio. It includes real estate, mutual funds, equity, gold, EPF, NPS, and FDs. This balance reflects thoughtful planning.

Your rental income of Rs. 30,000 adds stability. Contributions to Sukanya Samriddhi Yojana secure your daughters’ futures.

Your focus on NPS and diversified mutual funds is commendable. These build long-term wealth efficiently.

You aim for Rs. 8 crore as a retirement corpus. With careful adjustments, this is achievable.

Key Areas to Strengthen
1. Portfolio Consolidation

Your portfolio has eight mutual funds. This may lead to overlap and inefficiency.

Review these funds with a Certified Financial Planner. Ensure no duplication across asset categories.

Consider consolidating into 3–5 actively managed funds. This maintains diversification while improving focus.

2. Asset Allocation

Your portfolio is heavy in real estate and gold. These are illiquid investments.

Aim to rebalance toward financial assets like equity mutual funds. These provide liquidity and growth potential.

A Certified Financial Planner can assist in optimal asset reallocation.

3. Emergency Fund

Ensure liquid funds for 6–12 months of expenses.

This fund should not overlap with FDs or long-term investments.

Maintain this emergency fund in a liquid fund or savings account.

4. Mutual Fund Taxation

When selling mutual funds, consider capital gains tax:

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

Short-term gains are taxed at 20%.

Debt mutual funds are taxed as per your income slab.

Plan withdrawals with this tax implication in mind.

Actionable Strategies
1. Increase Equity Exposure

Your diversified mutual funds are strong.

Consider increasing equity mutual fund SIPs for long-term wealth.

Focus on flexi-cap, large-cap, and mid-cap funds for balanced growth.

Small-cap funds are volatile; limit exposure to 10–15%.

2. Optimise NPS Contributions

NPS is excellent for retirement. Its tax benefits under Sections 80C and 80CCD are helpful.

Invest up to Rs. 50,000 annually for additional tax savings.

However, review NPS as it locks in funds till retirement. Maintain flexibility elsewhere.

3. Rationalise FD Holdings

FDs are safe but offer low post-tax returns.

Shift a portion to debt funds for better returns and tax efficiency.

Debt funds balance portfolio risk without sacrificing liquidity.

4. Review Sukanya Samriddhi Yojana

Your contributions here are thoughtful. They offer assured returns for your daughters’ education.

Continue until the full maturity period. This ensures maximum benefit.

Retirement Planning
1. Expense Mapping

List all post-retirement expenses. Account for inflation at 6–7% annually.

Break these into essentials (medical, household) and discretionary (travel, hobbies).

Use this as a guide to calculate your future income requirement.

2. Corpus Building

Your current investments, including EPF and NPS, are solid.

Increase your mutual fund SIPs marginally to stay on track for Rs. 8 crore.

Continue Rs. 1.5 lakh monthly contributions strategically across financial instruments.

3. Health Coverage

Health insurance is critical post-retirement.

Review coverage for yourself and family. Ensure at least Rs. 50 lakh in coverage.

Consider adding a top-up plan for unforeseen medical costs.

Gold Portfolio Insights
Your gold portfolio is significant at Rs. 70 lakh.

SGBs are excellent for regular interest income and long-term growth.

However, physical gold is less efficient. Selling may involve lower liquidity and higher costs.

Convert a portion of physical gold into SGBs or financial assets.

Final Insights
You have made strong financial decisions so far.

Focus on reducing portfolio complexity and enhancing liquidity.

Rebalance your portfolio with a Certified Financial Planner. This ensures alignment with goals.

Stick to disciplined contributions toward NPS and mutual funds. This will help you reach Rs. 8 crore comfortably.

Ensure diversification without overextending into illiquid assets.

With this strategy, your retirement goals are well within reach.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Asked by Anonymous - Dec 23, 2024Hindi

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In nda form 2025 it is not accepting caste certificate issued date made in 2018 what to do

Ans: Hi,

You need to apply for a new community certificate and submit it when applying for the NDA exam.

Why is this necessary? The certificate you uploaded was obtained in 2018, and since the current year is 2024, it is now outdated. According to state government regulations (which can vary from state to state), the validity of a community certificate is typically a maximum of 5 years, and in some cases, just 1 year. Therefore, your community certificate is no longer valid.

Additionally, there is no reservation in the army. However, having a valid community certificate is important because it allows candidates belonging to Scheduled Castes/Scheduled Tribes to be exempt from paying fees. To receive this fee waiver, you must present a valid certificate.

It's also important to note that financial statuses can change every 5 years. Therefore, it is advisable to apply for the new certificate as soon as possible and complete the process by December 31, 2024.

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In Nda form 2025 it is accepting date of caste certificate of 2018 what to do ?

Ans: Hi,

You need to apply for a new community certificate and submit it when applying for the NDA exam.

Why is this necessary? The certificate you uploaded was obtained in 2018, and since the current year is 2024, it is now outdated. According to state government regulations (which can vary from state to state), the validity of a community certificate is typically a maximum of 5 years, and in some cases, just 1 year. Therefore, your community certificate is no longer valid.

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Asked by Anonymous - Dec 24, 2024Hindi

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I am a junior engineer in Railway, although the job is well paid and somewhat secure, but I don't feel belonged to this job. I have lost all interest in the work. I don't like office work pressure. I am working only because of family pressure. I have plan to be freelance teacher for 12th class physics in which I have interest. My parents are not dependent on me. My father is a retired teacher and have his own pension and savings. Is it a wise decision to quit the government job for my happiness?

Ans: Hi Anonymous,
I would suggest not leaving your job immediately. Instead, consider experimenting with your freelance physics classes from class 9 to class 12, this could be quite lucrative if you are a good teacher and have a strong knowledge of physics. Once you receive positive feedback on your teaching style from the market, you can think about leaving your job and pursuing this full-time. Please feel free to connect with me and message me on LinkedIn—I’d be happy to provide further insights.
https://www.linkedin.com/in/onkarcsrandsustainability/

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B.Tech in ENTC engineer isme software job ya hardware job hota hai, software job mein intrest hai, to acha package ka job milsakta hai kya? Yah main mere son ke liye enquiry kar raha hoon. Please guide me...

Ans: B Tech ELECTRONICS & Telecommunication covers mostly hardware. Computer science focusses on Both. Coding will help for software job

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Question by Arkajyoti - Oct 13, 2024Hindi

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My son want to try again for cracking iit but his cbsc board is not cross 75percent so he already admits btech ist now i want some hopeful advice by which he can fullfil his dream.

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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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