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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 26, 2023

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
giridhar Question by giridhar on Sep 25, 2023Hindi
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Currently my Son is investing about 5000 each in quant small cap fund growht, sbi small cap fund growth and adithy birla mid cap index fund growth. please advice for any changes and also recommend couple of funds where he can invest. thx

Ans: Investing only in midcap and small-cap funds will make his portfolio more aggressive. To be a moderate risk taker, please add a large cap fund as well. That will add more stability to his portfolio.
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  |9758 Answers  |Ask -

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

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Hello Sir, i am 45, working as govt employee. I am currently investing in following funds for the past 5 years- 1. Canara Rob Emerg equities fund-reg(g)-2000. 2. ICICI Pru blueschip fund(g)-2000 3. Nippon India focused equity fund (g)-2000 4. SBI Small cap fund-reg(g)-2000 5. Tata Hybrid equity fund reg(g)-2000. Sir, first advice,Do I have to change these funds or these are ok?. Please suggest me your inputs regarding these funds. I also want to add 4000 more per month. Please suggest me good funds.
Ans: Your consistent investment over the past 5 years reflects commendable financial discipline. Let's evaluate your current portfolio and suggest potential adjustments to align with your goals.

Review of Current Investments
1. Canara Rob Emerg Equities Fund:

Focus: Emerging equities.
Assessment: Offers exposure to high-growth potential companies. May be volatile but suitable for long-term growth.
2. ICICI Pru Bluechip Fund:

Focus: Bluechip companies.
Assessment: Provides stability and consistent returns. Suitable for investors seeking steady growth with lower risk.
3. Nippon India Focused Equity Fund:

Focus: Focused approach to equity investment.
Assessment: Concentrated portfolio aiming for higher returns. Requires higher risk tolerance.
4. SBI Small Cap Fund:

Focus: Small cap companies.
Assessment: High growth potential but comes with higher risk due to volatility.
5. Tata Hybrid Equity Fund:

Focus: Mix of equity and debt.
Assessment: Provides diversification and stability. Suitable for conservative investors.
Potential Adjustments
1. Reviewing Existing Funds:

Performance Check: Assess the performance of your current funds against benchmarks and peers.
Risk Assessment: Consider your risk tolerance and investment horizon when evaluating the suitability of each fund.
2. Adding New Funds:

Strategic Allocation: Consider adding funds that complement your existing portfolio and fill any gaps.
Diversification: Aim for a well-diversified portfolio across asset classes and investment styles.
Suggestions for Additional Investments
1. Large Cap Fund:

Stability: Add a large cap fund for stability and consistent returns.
Example: Look for funds with a proven track record in investing in bluechip companies.
2. Balanced Advantage Fund:

Dynamic Allocation: Consider a balanced advantage fund for dynamic asset allocation.
Benefits: These funds adjust their equity-debt mix based on market conditions, providing stability with growth potential.
3. Multi-Cap Fund:

Diversification: Invest in a multi-cap fund for exposure across market capitalizations.
Flexibility: These funds have the flexibility to invest across large, mid, and small cap stocks based on market opportunities.
Importance of Professional Guidance
Engage a Certified Financial Planner (CFP):

Personalized Advice: A CFP can provide personalized advice tailored to your financial goals and risk tolerance.
Optimization: Helps optimize your portfolio and ensure it aligns with your long-term objectives.
Regular Monitoring and Review
Periodic Portfolio Review:

Frequency: Review your investment portfolio periodically, at least annually.
Adjustments: Make adjustments as needed to ensure your investments stay aligned with your goals and market conditions.
Final Thoughts
Your current portfolio includes a mix of funds catering to different investment objectives. Consider reviewing the performance of your existing funds and adding new funds to further diversify and optimize your portfolio. Seeking professional guidance from a Certified Financial Planner can provide valuable insights and ensure your investments are on track to meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Janak

Janak Patel  |62 Answers  |Ask -

MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 10, 2025Hindi
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I am 45 years old and I am planning a Mutual Fund Portfolio for my son who is 10 years old. Following are the funds I have shortlisted, please let me if you recommended any changes to it 1. ICICI Prudential Value Discovery Fund-20% 2. Kotak Emerging Equity Fund-20% 3. Nippon India Small Cap fund-25% 4. Parag Parikh Flexi Cap Fund-25% 5. ICICI Prudential Equity and Debt Fund-5%
Ans: Hi,

Congratulations on starting the Investment journey for your young son. You have taken the best step forward for his future.
You have selected some of the most recommended funds in each category and constructed a good portfolio of mutual funds for your objective. Each fund has a different investment style and they are all well diversified across market caps and your addition to the small portion of Debt is also a good option in the portfolio (assume ICICI Prudential Equity and Debt fund is 10% allocation).
My recommendation is that you review your portfolio every year and do not be impulsive in any changes - unless funds are seen to be underperformers when compared to the market, their benchmarks and their peers for at least 2 years. As each fund and investment style will undergo volatile performance, the funds will reflect this and over the long term this will get levelled. Also I assume this will be for requirements in the future which is at least 8-10 years away.
So do connect with a good advisor / Certified Financial Planner who can guide you through this review process and transparently provide feedback and help you plan the redemption in the future.

Thanks & Regards
Janak Patel
Certified Financial Planner.

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 20, 2025

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50- YEAR-OLD DAD SEEKS ADVISE FOR 24 YEARS OLD SON MUTUAL FUND INVESTMENT. QUANT SMALL CAP FUND 3.6K, SBI SMALL CAP FUND 2K, ADITYA BIRLA SUN LIFE NIFTY MIDCAP 150 INDEX FUND 6K, PARAG PAREKH FLEXI XAP FUND 6K, HDFC FLEXI CAP FUND 6K. PLS ADVICE FOR CHANGES
Ans: Your son's current portfolio shows a good mix of small-cap and flexi-cap funds. However, there are areas that can be refined for better diversification and long-term growth. Here's a detailed evaluation and advice.

Observations and Insights
Heavy Allocation to Small-Cap Funds
Allocating Rs. 5.6K to small-cap funds (Quant Small Cap and SBI Small Cap) creates concentration risk. While small-cap funds offer high returns, they are volatile and risky.

Overlapping Flexi-Cap Investments
Both Parag Parikh Flexi Cap and HDFC Flexi Cap focus on a similar category. This might lead to duplication in portfolio holdings.

Presence of Index Fund
The Aditya Birla Sun Life Nifty Midcap 150 Index Fund is a passive investment. Index funds are cost-effective but lack flexibility in stock selection, unlike actively managed funds.

Suggestions for Portfolio Improvement
Reduce Small-Cap Allocation
Limit exposure to small-cap funds to not exceed 15-20% of the total portfolio. Retain the best-performing fund and divert the excess into other categories for diversification.

Replace Index Fund with Actively Managed Mid-Cap Fund
Index funds may not actively respond to market changes. Actively managed funds, guided by experienced managers, can adapt and potentially outperform during volatile times.

Maintain Only One Flexi-Cap Fund
Retain the flexi-cap fund with a consistent track record and higher adaptability to market conditions. Redirect the other fund's allocation to diversified funds.

Consider a Balanced Portfolio
Introduce a hybrid fund or a conservative allocation to large-cap funds. This can stabilise the portfolio while ensuring steady returns.

Diversify Further
Explore sectoral or thematic funds to add unique exposure to high-growth industries like technology or healthcare.

Tax Implications to Keep in Mind
Equity Fund Taxation
Gains above Rs. 1.25 lakh are taxed at 12.5% for long-term investments. Short-term gains are taxed at 20%.

Rebalancing Costs
Adjusting your portfolio involves selling and reinvesting, which might trigger capital gains tax. Plan these changes carefully to minimise tax impact.

Benefits of Regular Funds
Investing through a Certified Financial Planner (CFP) using regular funds provides:

Expert Guidance
Access to well-researched fund recommendations for long-term wealth creation.

Monitoring and Rebalancing
Regular funds include advisory services to monitor and rebalance portfolios.

Convenience
A CFP takes care of portfolio adjustments and ensures investments align with financial goals.

Best Practices for Long-Term Investment
Systematic Investment
Continue monthly SIPs to benefit from market fluctuations.

Goal-Based Investing
Align investments with future goals like education, marriage, or home ownership.

Avoid Frequent Changes
Stick to the plan unless there is a major market shift or personal need.

Final Insights
Your son's portfolio has potential but requires slight adjustments. Balancing risk with diversification and including actively managed funds can enhance returns. Simplify the portfolio for better monitoring and tax efficiency. With discipline and proper planning, his investments can achieve long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2025

Asked by Anonymous - Jun 10, 2025Hindi
Money
Q Hi iam 48 years old and started investing in nissan small cap fund-growth, canara robeco bluechip equity,uti nifty 50 index fund, kotak emerging equity fund and motilal oswal midcap fund @ 2000 in each fund for last one year. I would like to invest in other good funds for my children.
Ans: You have started disciplined investing for your children's future. That is commendable. You hold five mutual funds, including an index fund, with Rs?2,000 SIP in each. You now wish to invest more. Let’s refine your plan to build a smart, child-focused portfolio.

Assessing Your Current Mutual Fund Mix
You invest in small?cap, blue?chip, flexi?cap, and mid?cap categories.

You also hold an index fund.

Your SIP amount per fund is modest, given your age and goal horizon.

The index fund is passive. It cannot adapt to market cycles.

Active funds offer better downside risk control via manager decisions.

Direct plans offer no advice or rebalancing support.

Consider shifting to regular plans through a CFP?backed MFD.
This gives you professional reviews, asset allocation adjustment, and behavioural guidance.

Why Actively Managed Funds Beat Index Funds for Children’s Goals
Index funds only mimic the market—they don’t adapt in slowdown.

They lack dynamic allocation across sectors.

Actively managed funds can trim exposure in overheated markets.

They bring risk defence and strategic rebalancing.

This is critical when funding future education or marriage needs.

Categories to Add for a Balanced Children’s Portfolio
Goals for your children could be 10–15 years away. Here’s a well-rounded approach:

Aggressive Hybrid Fund

Offers equity growth + some debt cushion

Multi?cap Equity Fund

Covers large, mid, and small caps evenly

Debt Fund (Short/Medium Term)

Provides stability as milestones near

Gold or Commodity?Linker Fund

Acts as an inflation hedge

Solution?Oriented Children’s Fund

Hybrid plan with lock?in and discipline features

These categories add stability and align with long-term children's goals.

Why a Children’s Solution?Oriented Fund Works Well
Balanced equity–debt fund with smart mix

Lock?in prevents premature withdrawals

Good historical returns (12–20% CAGR)

Active manager ensures right allocation at each stage

Supports goal?based discipline and compounding

Structuring Your SIP Investments
Let’s restructure your SIP plan based on Rs?2,000 per fund:

Maintain existing investments (Rs?10,000 total SIP)

Add new SIPs:

Aggressive hybrid fund: Rs?2,500

Multi?cap fund: Rs?2,500

Debt fund: Rs?2,000

Gold?linker fund: Rs?1,500

Children’s solution?oriented fund: Rs?1,500

Total new SIP: Rs?10,000

Total SIP becomes Rs?20,000 monthly

This builds a strong, diversified base for future goals.

Lump?Sum Additions at Milestone Milestones
Besides SIP, plan lump?sum additions such as:

Birthday/anniversary gifts

Bonuses

Surplus savings annually

These help fast-track corpus growth and balance your portfolio.

Periodic Rebalancing and Goal Tracking
Every year, review portfolio under CFP?MFD guidance:

Check allocation drift between equity, debt, gold

Adjust SIPs if equity or gaps misalign with goals

Move part of equity to debt as goal nears

Monitor fund performances vs peers and benchmarks

Such discipline ensures alignment with your timeline and objectives.

Tax Awareness on Mutual Fund Gains
Remember taxes as you plan withdrawals:

Equity LTCG above Rs 1.25 lakh taxed at 12.5%

Equity STCG taxed at 20%

Debt fund gains taxed per your slab

Plan redemptions across years. Keep gains within exempt limit where possible.

Keeping it 360?Degree: Safety Nets Too
Emergency Fund: Maintain 6 months’ household expenses in liquid fund

Term Insurance: Ensure adequate cover for your family

Health Insurance: Cover both children and parents

These help avoid disrupting children’s goals due to emergencies

Finally
Your existing SIPs are a good start. Now expand wisely.

Use active, goal?aligned funds for stability and growth.

Allocate across equity, debt, gold, hybrid, and children’s funds.

Increase SIP to Rs 20,000 monthly, plus annual lumpsums.

Shift to regular?plan funds under CFP?led MFD for expert monitoring.

Review portfolio yearly, rebalance to stay on track.

Keep emergency funds and insurance in place.

With this multi-pronged, 360-degree approach, you can build a strong financial base for your children’s future milestones. If you’d like, I can help craft specific allocation and review schedule.

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

..Read more

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Sir I got 68676 in comedk Can you suggest good colleges forCSE or CSE specialization
Ans: Ramya, With a COMEDK rank of 68,676 in 2025, you have viable options for admission to reputable engineering colleges in Karnataka for CSE and its specializations. You can confidently secure seats at numerous recognized institutions where the latest cutoffs range between 63,000 and 1,20,000 for core CSE and closely related specializations. Here are 15 colleges where admission is fully feasible: CMR Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Atria Institute of Technology (Bangalore), New Horizon College of Engineering (Bangalore), Dayananda Sagar College of Engineering (Bangalore), BNM Institute of Technology (Bangalore), Sapthagiri College of Engineering (Bangalore), Don Bosco Institute of Technology (Bangalore), AMC Engineering College (Bangalore), Cambridge Institute of Technology (Bangalore), East Point College of Engineering (Bangalore), Gopalan College of Engineering and Management (Bangalore), Rajarajeswari College of Engineering (Bangalore), and Sai Vidya Institute of Technology (Bangalore). These colleges routinely offer CSE and specializations such as Artificial Intelligence, Data Science, and Information Science, all supported by established infrastructure, diverse peer groups, faculty with advanced degrees, recognized accreditations, and campus-level placement cells. Their cut-off history ensures fair seat allocation for your current rank bracket.

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My son is getting civil at bits pilani + rmit 2+2 program and cse at vit-ap cat-2 What should we choose
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SIR I should go for HBTU (IT) or IIIT VADODARA DIU CAMPUS (ELECTRONICS)?
Ans: Kritika, HBTU’s Information Technology program consistently records placement percentages between 85–90%, supported by a highly qualified faculty (many with PhDs from IITs and NITs) and a long-standing reputation for producing industry-ready graduates. The campus is equipped with advanced labs, updated digital resources, and maintains strong ties with top recruiters in IT and consulting sectors. Batch sizes are moderate, ensuring quality academic mentoring, and the supportive alumni network promotes career growth. In contrast, IIIT Vadodara Diu Campus (Electronics) is a newer institute, operating from a well-facilitated educational hub, but still developing its industry partnerships and placement support specifically for electronics; recent campus data showcase improving placements but with less consistency, and infrastructure is modern but evolving. The electronics branch here faces greater competition for high-tech positions compared to computer-related domains.

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My son got IIT Dharwad B.S/M.S Interdisciplinary sciences and BITS Hyderabad Mechanical through BITSAT currently. He may have potential chances of getting NIT Warangal MnC/ECE or IIIT Delhi CSE through DASA. Which one is better in the order of preference
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Nayagam P

Nayagam P P  |8978 Answers  |Ask -

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Sir I have scored 83 percentile in MHT cet 2025 what are the best college option for me in Mumbai region
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Recommendation: For optimal academic and professional growth, consider Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), and Ramrao Adik Institute of Technology (Navi Mumbai) as the highest-priority choices. These colleges offer robust campus infrastructure, industry recognition, strong placement networks, and a history of producing successful engineering graduates. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

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Sir, Which would batter choice between my doughter got EE in vlsi Design at Banasthali vidyapeeth and recently also got CSE in Goverment Mahila Engineering College, Ajmer. Which would better ? Suggest
Ans: Amit Sir, Banasthali Vidyapith’s Electrical Engineering program with a focus on VLSI Design is anchored in a reputed women’s university with A++ NAAC accreditation, robust faculty credentials, industry tie-ups, and consistent placement rates of 90–95% for core branches, often in electronics and automation sectors. Campus infrastructure is comprehensive, research exposure is strong, and students benefit from a national network and notable institutional rankings. Government Mahila Engineering College Ajmer’s CSE branch is part of a government-run, well-recognized institution with modern teaching resources, 80–95% placement rates for computer science in recent years, accessible industry partnerships, and a track record of sending students to reputed recruiters such as Amazon and Microsoft. The Ajmer campus is lauded for its faculty, student activities, digital facilities, and supportive environment, though its national brand is less established than Banasthali’s.

Recommendation: If your daughter is passionate about electronics, VLSI, or hardware-oriented careers, Banasthali Vidyapith offers a stronger national reputation, longstanding placement consistency, and higher institutional ranking. For a broad, flexible technology career in software, Government Mahila Engineering College Ajmer CSE stands out for contemporary opportunities and direct industry links. Both paths assure solid outcomes, but branch preference should drive the final choice. 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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