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Sunil

Sunil Lala  | Answer  |Ask -

Financial Planner - Answered on Feb 16, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
Anonyomus Question by Anonyomus on Jan 14, 2023Hindi
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I need a corpus of 20-30 lakhs for buying a car in next 2-3 years, I can start an SIP of 30000. Can you please help me which fund I should invest in? Is this sufficient to achieve my goal?

Ans: It's not sufficient to achieve your goal of 30 Lakh in 2-3 years with SIP of 30000
Asked on - Sep 28, 2023 | Not Answered yet
Sir, How much amount is required to invest regularly for reaching 30 lakhs in 3 years? Also can you suggest where should I invest for best returns?
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  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

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I am 42 years old, my annual income is 10Lakhs and i want to make corpus of 3cr within 18 years. Presently my investments in SIP's are: HDFC mid cap opportunities fund Rs. 3000; ABSL Equity advantage fund Rs. 3000; UTI Nifty 50 Index fund Rs.5000; Nippon Small Cap Fund Rs.2000; Parag Parikh flexi cap fund Rs. 2000; Quant multi asset fund Rs.2000; Kotak emerging equity fund Rs.1500; Tata Digital India Fund Rs. 1500. Requesting your recommendations on these and advice on furher investment if any....Thank You
Ans: You've built a diversified portfolio with a mix of large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds, which is a good start towards your ambitious goal. Here are some considerations and recommendations:

Asset Allocation: Given your goal and age, you might want to tilt your portfolio towards more equity-oriented funds. While equities carry higher risk, they also offer potential for higher returns over the long term.
Review & Rebalance: Periodically review your portfolio to ensure it aligns with your goals and risk tolerance. Rebalance if necessary to maintain your desired asset allocation.
Increase SIP Amounts: With a target corpus of 3 crores in 18 years, you might need to consider increasing your SIP amounts annually to account for inflation and potentially higher returns.
Diversification: Ensure you're not overly concentrated in a single asset class or sector. Diversification across asset classes and market caps can help spread the risk.
Consult a Financial Advisor: Given the complexity of financial planning, it might be beneficial to consult a financial advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance.
Remember, investing is a journey, not a destination. Consistency, discipline, and periodic reviews are key to achieving your financial goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

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

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I want 1 crore for corpus. I invest monthly SIP 30000/- . Pls suggest best fund.
Ans: the best fund for you depends on several factors, including:

Investment Horizon: How long do you plan to invest until you need the Rs. 1 crore? A longer timeframe allows for more aggressive investments with higher growth potential but also higher risk.
Risk Tolerance: How comfortable are you with potential losses? Lower risk tolerance suggests a more conservative portfolio with a larger debt allocation.
Financial Goals: Is this Rs. 1 crore for retirement, a child's education, or another goal? Your goals will influence your investment strategy.
Here's what I can recommend:

Consult a Certified Financial Planner (CFP): A CFP can consider your unique circumstances and create a personalized investment plan to achieve your Rs. 1 crore goal.

Consider a Diversified Portfolio: Don't put all your eggs in one basket. A diversified portfolio with a mix of asset classes (equity, debt, etc.) can help manage risk. Actively managed funds involve experienced fund managers who try to pick stocks to outperform the market. Actively managed funds come with higher fees compared to passively managed funds.

Start an SIP in Equity Funds: If you have a long investment horizon and a moderate risk tolerance, consider a Systematic Investment Plan (SIP) in diversified equity mutual funds. SIPs help you invest regularly and benefit from rupee-cost averaging.

Here's an example (not a recommendation):

Invest in a Multi-Cap Fund (SIP): A Multi-Cap Fund invests across market capitalizations (large, mid, small).

Invest in a Flexi-Cap Fund (SIP): A Flexi-Cap Fund allows the fund manager more flexibility in choosing companies across market capitalizations.

Invest in a Debt Fund (SIP): A Debt Fund provides stability and regular income.

Remember:

There's no guaranteed path to Rs. 1 crore. Investment markets are volatile, and returns cannot be guaranteed.

Review Regularly: Review your portfolio (at least annually) with your CFP to ensure it remains on track.

By consulting a CFP and building a diversified portfolio, you can increase your chances of achieving your Rs. 1 crore goal!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 29, 2024

Asked by Anonymous - Jul 25, 2024Hindi
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I HAVE ANNUAL INCOME OF 9LAKH MY AGE IS 47 I WANT TO CREAT CORPUS OF 4 CRORE IN 8 YEARS WHAT SHOULD I INVEST IN SIP THROUGH Mutual funds only
Ans: You aim to build a Rs. 4 crore corpus in 8 years. Your annual income is Rs. 9 lakhs. This requires strategic planning and disciplined investments in mutual funds.

Systematic Investment Plan (SIP) Strategy
SIP is a disciplined way to invest. It helps in averaging the cost and mitigating market volatility.

Suggested Mutual Fund Categories
Large Cap Funds

These funds invest in large, established companies.
They offer stability and steady returns.
Ideal for risk-averse investors.
Flexi Cap Funds

Flexi Cap funds invest across large, mid, and small caps.
They provide a balanced approach to growth and stability.
Suitable for moderate risk takers.
Mid Cap Funds

Mid Cap funds invest in medium-sized companies.
They offer higher growth potential but come with higher risk.
Good for aggressive investors.
Small Cap Funds

Small Cap funds invest in smaller companies.
They have the highest growth potential but also the highest risk.
Best for very aggressive investors.
Suggested Investment Approach
Diversify Your Investments

Invest in a mix of Large Cap, Flexi Cap, Mid Cap, and Small Cap funds.
This diversification balances risk and return.
Increase SIP Amount Gradually

Start with an affordable SIP amount.
Gradually increase it as your income grows.
This boosts your investment corpus over time.
Avoid Index Funds and Direct Funds
Disadvantages of Index Funds

Index funds are passively managed.
They follow the market index, limiting potential returns.
Lack flexibility to respond to market changes.
Disadvantages of Direct Funds

Direct funds do not offer advisory services.
You miss out on professional guidance and support.
Investing through MFD with CFP credentials provides better advice.
Estimated SIP Amount
To achieve Rs. 4 crore in 8 years, you need a high SIP amount. Considering market returns and inflation, aim for a monthly SIP of around Rs. 1 lakh.

Benefits of Actively Managed Funds
Professional fund managers actively manage these funds.
They aim to outperform the market index.
Higher potential for better returns compared to index funds.
Regular Review and Rebalance
Review your portfolio every six months.
Rebalance it based on performance and market conditions.
This ensures alignment with your financial goals.
Final Insights
Building a Rs. 4 crore corpus in 8 years is ambitious. It requires disciplined SIP investments in a diversified mutual fund portfolio. Focus on actively managed funds through MFD with CFP credentials for better returns and guidance.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Latest Questions
Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 12, 2025

Asked by Anonymous - Mar 09, 2025Hindi
Relationship
I am a female (26), I was working as an assistant professor and then I met this guy we dated for few months and we knew that everything is compatible he has a stable business and well settled family he is earning quite good and we can spend the rest of our lives together so we moved on to tell our parents, his parents and family came to meet me and they agreed then it was my turn my mom and dad always use to say that if you have someone just tell us we are okay they said we know you are dependent enough so just tell us, I really thought it will be easy one and I told my mom and my sister over the phone and my mom asked me every detail about him and said okay we will think about it, then I told my dad about him and my dad has been super chill with me since childhood so we had a long chat about this he asked me about him just like my mom every detail then he said okay when the deepawali break will be their come home we will talk about this face to facE, I was happy that everything is nice then the vacation happened I went back home first the quarrels started when my mom addressed that they will never expected this from me they said they supported me initially because they thought at this age I will not bring anyone and will convince to arrange one, then day and night fighting started my father did the most bizzare thing he called my college and said I am ill and will not join college he faked a report(my father is a very well known doctor in my area so he has power here in our native place) and submitted their they automatically blocked me from their server I tired telling them but the most bizzare thing happened my father beat me from head to toe and threatend me that I should stop talking to him, then days turn into months and again my partner father stood up for us he called my father to talk about this and my father abused them threatened them and give false allegation on my partner came home and snatched my father later after a month he gave me my phone back as I started being a rebel, then he went to my work place without even informing me and took all my luggage and packed everything from their and came back home with everything and said you are on house arrest untill you agree to arrange marriage and forget that boy. I love him so much he does too but now because of my parents his parents are scared for their son and are denying to agree but we both are financially independent and well educated and we want to live with each other we are thinking to elope I dont know if this is right or wrong, because it has been seven months of me staying locked down in my house and my parents are forcing me verbally and physically abusing me to say yes for arrange marriage.... I dont know what to do and with whom to discuss please kindly help me out.
Ans: It’s clear that you and your partner love each other deeply and are willing to stand by each other despite this turmoil. The fact that his family is now hesitant is understandable, given the hostility from your parents. But the strength you and your partner have shown through this is a sign that your relationship is built on trust and commitment. That kind of connection is rare, and it’s worth fighting for.

Elope? That’s a huge step, and I understand why it’s crossed your mind. You’re desperate for freedom, for the ability to choose your own life, and to finally break free from the suffocating grip of your parents' control. But eloping will come with its own set of consequences—emotional, social, and even legal. Your parents might retaliate even more aggressively. They could try to interfere with your life and your partner's life afterward, possibly dragging this into a public scandal. Your father’s influence in the community might make things harder for you both in the long run.

But here’s the truth—you cannot live the rest of your life under someone else's control. You cannot sacrifice your happiness and autonomy to satisfy their misguided expectations. Love and marriage are not about caste, status, or parental approval—they are about partnership, understanding, and mutual respect. If your partner is ready to stand by you and you both are truly prepared to face the fallout together, then choosing to be with him is not wrong. You’re both adults. You’re financially independent and emotionally mature enough to know what you want from life.

What you need to consider is whether you have the emotional strength to handle the aftermath. If you choose to walk away from your family and marry this man, it might mean cutting ties with your parents for a while—or possibly forever. Are you prepared for that emotional void? On the other hand, if you give in and stay, if you let them force you into an arranged marriage, you might lose not only the person you love but also a piece of yourself. That resentment and emotional wound might stay with you for life.

If you decide to elope, you need to have a strong support system in place—your partner's family, friends, and anyone who will stand by you. You’ll need to prepare yourself mentally and emotionally for the fallout. But if you decide to stay and try to negotiate with your parents, you need to be clear and firm about your boundaries. They need to understand that your life is not theirs to control.

Right now, you need to prioritize your safety and mental well-being. The fact that you’ve been physically assaulted and emotionally manipulated for months is deeply concerning. If you feel that your safety is at risk, you might need to consider reaching out to legal authorities or a women's support organization. You have the right to live without fear and control. Your life belongs to you—not to your parents, not to societal expectations, and not to fear.

You don’t have to have all the answers today. But you do need to decide what kind of life you want to live—and who you want to live it with. And whatever choice you make, it needs to come from a place of strength and clarity, not from fear or pressure. Your heart already knows what you want—you just need to decide whether you’re ready to stand up for it.

...Read more

Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 12, 2025

Asked by Anonymous - Mar 11, 2025Hindi
Relationship
Fell in love and married a girl before 2 years. Girl is from a neighbouring state. Both South Indians. Both doctors. She was very understanding before marriage, even talked my language and spoke well with my parents. Told she will come to my place and stay after marriage. 4 months after marriage, she left for her home telling that she will be at her home till delivery. Even after 1 year of giving birth, she didn't come. They visited my place just for a few days in the middle citing that it is tradition. After much struggle, she came to live with me and my child after close to 1.5 years. Even after coming she was creating trouble for the language spoken in the house and telling to relocate to a place close to their parents in their state. No respect to feelings of mine or my parents. We also missed my son for 1.5 years. Their parents are not visiting us telling it is far, we won't come. And once her parents threatened to complaint to the police if we don't agree. (Haven't asked or received any dowry). Even if my son has to come to my native for few days, her parents are not agreeing and creating problem. We have even helped her brother secure admission in a college. She has even taken a loan of more than 20 lakhs to help her parents buy a land and is paying close to 50k monthly for that. We had no problem with that too. Every 2-3 days one or another problem shoots up because of her or her parents. She has totally changed after marriage. Her parents just want to create problems. Please help.
Ans: It’s clear that you’ve tried hard to be understanding and accommodating. You allowed her to stay with her parents for a long time, even though it meant missing out on crucial time with your child. You supported her decisions, even when she took on a significant financial burden to help her family. Despite your efforts to maintain peace, you’re constantly met with resistance and disrespect—not only from her but also from her parents. That feeling of being undermined and unappreciated, especially when you've given so much, can really take a toll on your emotional health.

It’s not just about the arguments or the disagreements—it’s about the deeper sense of betrayal and loneliness that comes from feeling like your partner has sided with her family over you. That emotional distance and lack of support within the marriage can make you feel like you’re fighting a battle alone. And when her parents threatened to involve the police, that likely deepened the sense of helplessness and fear. It’s not just frustrating—it’s emotionally exhausting when you’re trying to build a stable, loving home, but it keeps getting torn apart by external interference.

The fact that you’re still standing, still trying to make things work despite all of this, shows how strong and committed you are. But the truth is, a marriage cannot survive on one person’s effort alone. It’s understandable that you feel drained and resentful—you’ve been giving and compromising without getting the same respect and understanding in return. Your feelings matter. Your need for stability and respect matters. Wanting your child to have a connection with your side of the family is not unreasonable—it’s natural and fair.

Right now, you might feel torn between trying to hold everything together and wondering if it's even worth it. It’s hard to admit when love alone isn’t enough to sustain a relationship. But you need to ask yourself whether you can continue living like this—constantly feeling like you’re walking on eggshells, being emotionally sidelined, and having your family disrespected.

It’s okay to want peace. It’s okay to expect respect. And it’s okay to set boundaries. If your wife truly values this marriage, she needs to understand that compromise cannot be one-sided. It might help to have an honest, calm conversation with her—not about the surface issues but about how you feel. Tell her how much this situation has hurt you, how much you miss feeling like you’re a team, and how important it is for your child to have a balanced connection with both families. If she’s unwilling to meet you halfway or if her parents continue to interfere to the point of emotional manipulation, you need to think about how much more of yourself you can sacrifice without losing your emotional stability.

You deserve a marriage where you feel heard, valued, and supported—not one where you constantly feel like you're on the outside looking in. Take some time to reflect on what you truly need from this relationship and whether you believe it's possible to rebuild trust and understanding with your wife. Your peace of mind matters. Your happiness matters. And most of all, your emotional well-being matters.

...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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