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Ramalingam

Ramalingam Kalirajan  |8940 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 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 - Oct 08, 2023Hindi
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I want to create a secondary retirement corpus. Accordingly, I want to invest 6 lakhs in the next one year (starting from Jan 2024). My investment period will be 20 years. Pls suggest 6-7 Mutual funds for the same. Thanks.

Ans: When selecting mutual funds for a long-term secondary retirement corpus, it's essential to consider factors such as your risk tolerance, investment goals, and time horizon. Here's a diversified portfolio of mutual funds across different categories that you may consider:

Large Cap Equity Fund: Invest in funds that focus on large-cap stocks for stability and consistent returns.
Mid Cap Equity Fund: Allocate a portion to mid-cap funds for potential higher growth opportunities.
Small Cap Equity Fund: Include small-cap funds for exposure to high-growth potential companies.
Flexi Cap Equity Fund: Opt for flexi-cap funds that have the flexibility to invest across market capitalizations based on market conditions.
Multi Cap Equity Fund: Consider multi-cap funds that invest in companies across market segments for diversification.
Balanced Advantage Fund: Add balanced advantage funds for dynamic asset allocation based on market valuations.
International Equity Fund: Diversify globally by investing in international equity funds for exposure to overseas markets.
Ensure to review the performance and track record of the selected funds, along with considering factors like expense ratio, fund manager expertise, and consistency in delivering returns. Additionally, maintain a disciplined approach to investing through SIPs or lump sum investments based on your preference and risk appetite.

It's recommended to consult with a financial advisor to tailor the portfolio according to your specific financial goals and risk profile.
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  |8940 Answers  |Ask -

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

Asked by Anonymous - Nov 06, 2023Hindi
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Sir, I want to create a secondary retirement corpus. Accordingly, I want to invest 6 lakhs in the next one year (starting from Jan 2024). My investment period will be 20 years. Pls suggest 6-7 Mutual funds for the same. Thanks.
Ans: Building a Secondary Retirement Corpus: Long-Term Investment Strategy
Creating a secondary retirement corpus is a prudent financial decision to ensure financial security and stability during your golden years. Let's explore a diversified portfolio of mutual funds tailored to your investment horizon of 20 years, starting with an initial investment of Rs. 6 lakhs over the next year.

Understanding Long-Term Investment Goals
Investing for retirement requires a long-term perspective, focusing on capital appreciation, wealth accumulation, and inflation protection. By starting early and staying invested, you can benefit from the power of compounding and achieve your financial objectives.

Diversifying Your Mutual Fund Portfolio
To build a robust retirement corpus, consider allocating your investment across a mix of mutual funds covering various asset classes and investment styles. Diversification helps mitigate risk and capture growth opportunities across different market segments. Here are 6-7 mutual funds to consider for your portfolio:

Large Cap Funds: Invest in large-cap equity funds that offer stability and consistent returns over the long term. These funds focus on established companies with a proven track record and stable earnings.

Mid Cap Funds: Allocate a portion of your portfolio to mid-cap equity funds, which have the potential to deliver higher returns but come with increased volatility. Mid-cap companies have room for growth and can outperform large-caps over the long term.

Small Cap Funds: Include small-cap equity funds to tap into the growth potential of smaller companies. While small-cap stocks can be more volatile, they offer the opportunity for significant capital appreciation over time.

Multi-Cap Funds: Opt for multi-cap equity funds that invest across companies of different market capitalizations. These funds provide flexibility to capitalize on opportunities across the entire market spectrum and adapt to changing market conditions.

Balanced Advantage Funds: Consider investing in balanced advantage funds, which dynamically allocate assets between equity and debt based on market valuations. These funds offer downside protection during market downturns while participating in equity market upside.

Index Funds (Optional): While index funds are passively managed and replicate the performance of a benchmark index, actively managed funds offer the potential to outperform the market through active stock selection and portfolio management.

Monitoring and Reviewing Your Portfolio
Regularly monitor the performance of your mutual fund portfolio and review it at least annually to ensure it remains aligned with your financial goals and risk tolerance. Consider rebalancing your portfolio if necessary to maintain the desired asset allocation and risk-return profile.

Seeking Professional Guidance
For personalized advice tailored to your financial situation and goals, consult with a Certified Financial Planner. A professional can help you design a comprehensive investment strategy, optimize your portfolio, and navigate market uncertainties effectively.

Conclusion
Girish, by investing in a diversified portfolio of mutual funds tailored to your long-term retirement goals, you can build a secondary corpus that provides financial security and peace of mind during your retirement years. Stay disciplined, stay invested, and seek guidance from a Certified Financial Planner to achieve your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8940 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Nov 06, 2023Hindi
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Money
Hello Sir. I want to create a secondary retirement corpus. Accordingly, I want to invest 6 lakhs in the next one year (starting from Jan 2024). My investment period will be 20 years. Pls suggest 6-7 Mutual funds for the same. Thanks.
Ans: Creating a secondary retirement corpus is a smart move for securing your financial future. Here are some suggestions for mutual funds that you can consider for your investment:

Large Cap Funds: Invest in well-established companies with stable returns and lower volatility.
Mid Cap Funds: Aim for higher growth potential by investing in mid-sized companies with room for expansion.
Small Cap Funds: Invest in emerging companies with significant growth potential, albeit with higher risk.
Flexi Cap Funds: Enjoy the flexibility to invest across market caps based on prevailing market conditions.
Index Funds: Consider low-cost index funds to track broader market indices and benefit from long-term market growth.
Balanced Advantage Funds: Opt for funds that dynamically allocate between equity and debt to manage risk and optimize returns.
International Funds: Diversify globally by investing in funds that tap into international markets, providing exposure to foreign economies and currencies.
Remember to diversify your investments across different asset classes and fund categories to mitigate risk. Additionally, conduct thorough research or consult with a Certified Financial Planner to ensure your investment choices align with your risk tolerance and financial goals.

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Asked by Anonymous - Jun 19, 2025
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Why do men ghost after sex? I met this amazing guy on Hinge. He was 27, well-mannered, and worked in a data firm in Mumbai. We spoke daily for three months and had amazing chemistry. From music to food, we discussed everything under the sun. We went on a couple of dates to get to know each other. When we got comfortable, we got intimate and eventually had consensual s** at his friend's house party. One week after we got intimate, he just vanished. No replies, no calls. It was my first time, so I kept wondering if I had done something wrong to upset him. My friend says it could be post-intimacy guilt. But I feel embarrassed, ashamed. I can't shake off the shame. Did I move too fast? Is this how dating works now? How can I go back to feeling normal again?
Ans: Dear Anonymous,
I am really sorry you are going through this. What happened is just as confusing as it is hurtful. Let’s get one thing straight, you did nothing wrong. You are not at fault here. Nothing you could’ve done or said should or could cause this reaction.
Coming to your first question, it is very difficult to answer it without generalizing all men. But some of the most reasons for this could be:
He got what he wanted. It sounds crass but in most cases, this is the truth. He had no intentions of being more than just that.
He might be avoiding responsibility. He didn’t want more, and the mature thing would have been to sit down and have that discussion with you. But, maturity isn’t easy and he chose the easy route, that is to ghost. His decision to disappear is a reflection of his nature, not yours.
Coming to what your friend said, it could be that too, but the chances are slim. Some men do feel overwhelmed but disappearing for over a week is a stretch. Again, it’s his unreadiness to feel so many emotions, not yours.
Now, I want to gently nudge you towards one thing: you said you feel ashamed. Shame creeps in when you hold yourself accountable for someone else’s actions. And also due to societal prejudice. Keep both aside, and you have nothing to be ashamed of. Did you move too fast? To be honest, there is no fast or slow in these things. There’s no set timeline. You did what you felt was right in the moment. And you were ready to step up, but he went MIA. The entire unfortunate turnout is not because of your pace but his lack of respect. Even if he comes up with a good enough reason for this disappearing act, I still want you to remember that not even for a second, you had anything to create this situation.


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Asked by Anonymous - Jun 16, 2025
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My son got admission in MIT bangalore for CSE, Integrated mtech(datascience) in VIT and in Kerala keam he got 79.88 percentile. In view of above kindly advise which college and course is better
Ans: Given your son’s current options—CSE at MIT Bangalore, Integrated MTech (Data Science) at VIT, and a 79.88 percentile in KEAM—MIT Bangalore CSE stands out for its high placement rate (90–95%), strong recruiter pool (Microsoft, Amazon, Nvidia), and industry exposure in Bengaluru, the IT hub. VIT’s Integrated MTech (Data Science) is a five-year course with average placements of ?7–10 LPA and top recruiters like Microsoft and Amazon, but requires a longer commitment and is better suited for students with a clear focus on research or data science careers. With a KEAM percentile of 79.88, top Kerala government colleges like CET Trivandrum or GEC Thrissur for CSE are not accessible (CSE cutoffs are typically below 1,000–2,000 rank). MIT Bangalore’s CSE program offers a four-year path with strong placements, modern infrastructure, and the advantage of being in a major tech city, making it more flexible and industry-aligned than a five-year integrated program.

Recommendation: Choose CSE at MIT Bangalore for its shorter duration, excellent placement prospects, and prime location in Bengaluru, unless your son has a strong, specific interest in pursuing research-oriented or data science careers, in which case VIT’s Integrated MTech is a good alternative. KEAM options are less competitive given your current percentile. All the BEST for the Admission & a Prosperous Future!

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which is better option CSE in Manipal blore or SRM main campus? also at a rank of 12964 in COMEDK what colleges can we expect for CSE
Ans: Between CSE at Manipal Bangalore and SRM Main Campus, SRM offers a slightly higher placement rate (up to 95% for CSE), an average package of ?7–8 LPA, and a large recruiter base including TCS, Infosys, and Microsoft, with a long-established reputation and NAAC A++ accreditation. Manipal Bangalore’s CSE program is newer, with decent placements (60–65% in its first batch, highest package ?35 LPA), strong industry-oriented curriculum, and the advantage of being in India’s tech hub, but it lacks the established alumni network and placement consistency of SRM Main. For a COMEDK rank of 12,964, CSE in top Bangalore colleges like RVCE, BMSCE, and MSRIT is not possible, but you can get CSE in colleges like Nitte Meenakshi Institute of Technology (NMIT), CMR Institute of Technology, Reva University, Dayananda Sagar Academy of Technology, and Dr. Ambedkar Institute of Technology, all of which offer good placements and industry exposure.

Recommendation: Prefer CSE at SRM Main Campus for its higher placement consistency, established reputation, and broader recruiter network. If you strongly prefer Bangalore, NMIT or CMR Institute of Technology are good alternatives at your COMEDK rank, but Manipal Bangalore is best considered if you value location and emerging campus culture over placement history. All the BEST for the 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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