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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Mar 18, 2021

Mutual Fund Expert... more
Siva Question by Siva on Mar 18, 2021Hindi
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I am currently investing in the following MFs. Please advise if these are right MFs or I need to shift to something better:

ABSL Focused Div. investment
ABSL Focused Equity investment
ABSL Equity Fund Growth

Ans: Axis Focused - Growth or MOSL Focused 25 Growth is better option in Focused funds.

UTI Flexi Cap or PPFAS Flexi Cap are better option in flexi-cap category

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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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Oct 04, 2022

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Age: 26Yrs. I am Currently Investing 20K per Month in Following Equity MFs. Axis Blue Chip Fund (Direct Growth)-5K (Invested-134993, Currently-152935) Axis MidCap Fund (Direct Growth)-5K (Invested-134993, Currently-149743) Mirae Asset(Emerging BlueChip)(Direct Growth)-2500(Invested-34998, Currently-39732) SBI Tech Fund(Direct Growth)-2500(Invested-14999, Currently-14254) Nippon Small Cap(Direct Growth)-2500(Invested-17474, Currently-20090) Tata Digital(Direct Growth)-2500(Invested-24999, Currently-22893) Kindly Suggest if these are good enough. Also if I wish to add 15% of the total Amount Extra every year, should I do it in the Existing MFs, or research and go for a new One? Goal is Wealth Creation for the Future for studies of 2 Children(3-4Cr), House(3-4Cr) and Retirement. (Adjusted for Inflation). Also Please Advice ‘Why sectoral/Thematic Based Funds are not recommended?’
Ans: Hello Gaurav. It’s great to see that you have started planning at such an early age. It sounds like your portfolio report is in good shape. In accordance with your requirements, the current diversification is correctly invested.

With the changing nature of the market year on year, you should first consider adding on to your existing SIPs and rearranging your portfolio. Investing in multiple portfolios is not appropriate for a portfolio.

Consider stopping sips that are below-average performers in your portfolio when you add new ones.

Sectoral/ Thematic funds are aggressive risk funds. They follow one sector or theme base companies to invest. Also, it's for the long term with a horizon of at least 8 years.

When investing in such a category, your investment proportion should not exceed 15-20% of your total investment. 

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Ramalingam

Ramalingam Kalirajan  |10017 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

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I have recently started investing in below MFs and will continue for the next 20 years. Parag Parikh Flexi Cap -- 30k Axis Small Cap -- 35k Kotak Emerging Equity -- 35k Please advise if my investments are on right track.
Ans: Assessment of Mutual Fund Investments and Recommendations:

Your decision to invest in mutual funds reflects a proactive approach towards building long-term wealth. Let's evaluate your current investment strategy and provide recommendations to ensure you are on the right track.

Current Investment Analysis:

Parag Parikh Flexi Cap: Investing Rs. 30,000 per month in a flexi cap fund like Parag Parikh reflects a balanced approach, allowing exposure to companies across market capitalizations. Flexi cap funds offer flexibility to capitalize on opportunities across market segments, potentially enhancing returns.

Axis Small Cap: Allocating Rs. 35,000 per month to a small-cap fund like Axis Small Cap indicates a willingness to take on higher risk for potentially higher returns. Small-cap funds have the potential for significant growth but also carry higher volatility due to exposure to smaller companies.

Kotak Emerging Equity: Investing Rs. 35,000 monthly in an emerging equity fund like Kotak Emerging Equity aligns with a strategy focused on capitalizing on growth opportunities in emerging sectors and companies. These funds invest in stocks of companies with potential for rapid growth, albeit with higher risk.

Recommendations:

Diversification: While your current investment strategy displays a focused approach, it's essential to ensure adequate diversification across fund categories. Consider diversifying into other categories such as large-cap, multi-cap, or thematic funds to spread risk and capture opportunities across different market segments.

Risk Management: Given the higher risk associated with small-cap and emerging equity funds, it's crucial to assess your risk tolerance and ensure it aligns with your investment horizon and financial goals. Consider rebalancing your portfolio periodically to manage risk exposure effectively.

Regular Review: Regularly review your portfolio's performance and make adjustments as needed to stay aligned with your long-term financial objectives. Monitor the performance of individual funds and assess their consistency in delivering returns relative to their benchmarks and peers.

Professional Guidance: Consider consulting with a Certified Financial Planner (CFP) to evaluate your investment strategy comprehensively. A CFP can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon, ensuring your portfolio remains on track to achieve your objectives.

Periodic Rebalancing: Periodically rebalance your portfolio to maintain the desired asset allocation and risk profile. Rebalancing involves selling overweight assets and reallocating funds to underweighted ones, ensuring your portfolio remains aligned with your investment objectives.

By implementing these recommendations, you can enhance the effectiveness of your investment strategy and increase the likelihood of achieving your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |9752 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Career
Sir my rank is 16894 OC category no EWS .I got kmec CSM in second phase in tg eapcet. I am going for 3rd phase. So could you please guide me whether vidya jyoti institute of technology cse is better or kmec. In 3rd phase can I get Iare , cmrk , cvr , mgit , vjit , snist , anurag only cse and specializations . Are there any chances to get any of these colleges in 3rd phase ? Please guide me sir.
Ans: Dhaksh, With an OC category rank of 16,894 in TG EAPCET, you have secured Computer Science and Business Systems (CSM) at Keshav Memorial Engineering College (KMEC) in phase 2, and are now considering options for phase 3, including CSE at Vidya Jyothi Institute of Technology (VJIT), as well as aspirational seats at IARE, CMRK, CVR, MGIT, VJIT, SNIST, and Anurag (all CSE and related specializations). Based on the official 2024 TG EAPCET closing ranks and highly regarded educational portals, your current rank is well outside the typical closing ranks for OC candidates in CSE at top-tier colleges: CVR (3,200–4,200), MGIT (3,412–3,417), IARE (well under 1,000), SNIST and Anurag (typically under 8,000 for CSE), and CMRK (usually closes by 17,000). VJIT’s CSE (core) closed at 22,455 and AI-ML/Data Science specializations closed between 20,423–21,363, making VJIT’s CSE the only program among your choices where your rank sits comfortably within range for both core and allied branches in phase 3. KMEC’s CSM course typically has closing ranks around 17,263–18,648 for OC, which fits your present allocation and gives the campus a competitive, yet supportive environment, with strong faculty, modern infrastructure, transparent placement processes, and good industry connections. Both KMEC and VJIT have consistently placed 70–90% of eligible students in reputable IT and core companies, with experienced faculty and ample campus facilities, though VJIT is consistently rated higher for core CSE in terms of peer crowd, coding culture, alumni base, research opportunities, and recruiter interest.

In summary, at a 16,894 OC rank, you are unlikely to secure CSE at IARE, CMRK, CVR, MGIT, SNIST, or Anurag (across specializations) as their closing ranks are much lower for OC. VJIT CSE remains open in the upcoming round and is a stronger academic and placement choice than KMEC CSM. Both KMEC and VJIT offer key advantages—NAAC accreditation, modern labs, industry-engaged faculty, active coding culture, and well-structured placement cells—but VJIT provides a more prominent academic environment and greater success for core CSE aspirations.

RECOMMENDATION: Among realistic options, VJIT CSE is the preferred choice as it aligns with your rank, offers better placements, stronger academic pedigree, and deeper industry linkages. You may retain KMEC CSM as a secondary option, but prioritize VJIT CSE (and allied specializations) for a more competitive peer group, robust campus experience, and long-term professional growth. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Nayagam P

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Career Counsellor - Answered on Jul 31, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Ravi

Ravi Mittal  |629 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 31, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Relationship
Hii mam i have done my registered marriage in April 2024 without knowing of my parents and now i m living in my mother's House without telling that i m married ? Now how can i convince my parents. I have told my parents about him but don't even want to talk to him or his parents.. how can i convince my parents?
Ans: Dear Anonymous,
I understand that you are in a sensitive situation. Patience and empathy is extremely important if you want to convince your parents. Understand their side; what are they objecting and why. Once you get that, it will be easier to debunk any misunderstandings they have about your relationship. Have calm one-on-one conversation with each parent instead of talking to both of them at once. Your first task is to make them listen, not immediately approve. Acknowledge any mistake they bring up; it is indeed unfair to not include your parents in your marriage decision, at least, in India. Though I am sure you had your reasons and I am not judging at all. But you need to acknowledge that it was not right of you to do that. This makes you come off more responsible, mature and sincere. Ask them gently what they do not like about your partner and once you understand it, show them his positive side.

Do not threaten, or give ultimatum. Don’t use dialogues like my life my decision if you want them to ever approve of this relationship. Be patient and give them time to come to terms with it.

Lastly, if you, even once feel that some of their objections are valid and you never saw it that way, please take things slow. We do miss a lot when we are in love. I am sure that’s not the case with you, but just in case, please do not hesitate to rethink.

Best Wishes.

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Dr Karan

Dr Karan Gupta  |170 Answers  |Ask -

International Education Counsellor - Answered on Jul 31, 2025

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Please Sir, I have asked a couple of time before but no reply, please Sir, please help me choose in their preference order based on infrastructure facilities and placements for CSE - IIIT Sonepat, IIIT Guwahati, IIIT Naya Raipur, IIIT Kanchipuram, IIIT Sri City and IIIT Kota.
Ans: Absolutely, here's a clear and simple ranking based on infrastructure and CSE placements—from most to least favorable:
Top Picks for CSE: Best Mix of Placements & Infrastructure
1. IIIT Sri City
• Average CSE package ~?19–19.3?LPA, highest up to ?120?LPA, placement rate ~94%
• Campus in a planned industrial zone near Chennai; good labs and facilities; proactive placement cell
2. IIIT Naya Raipur
• Consistently strong placements: avg ~?12.6?LPA (2022), highest ~?85?LPA; many core recruiters like Microsoft, Atlassian, PharmEasy
• Well built central campus, good festivals, hands on programs like drone workshops
Middle Tier: Reasonable Placements, 'Work in Progress' Infra
3. IIIT Kota
• CSE average ~?13.1–13.4?LPA, highest ~?65?LPA; placement rate ~75%
• Permanent campus opening in 2023; hostels, labs, Wi Fi improving; still expanding
4. IIIT Guwahati
• Placements decent; top ~25% get good packages above ?10?LPA; lack big MNCs currently but improving; placement vibes “chill but solid”
• Permanent campus on 70?acre built in 2018; basic academic infrastructure, but student life subdued; remote from city center
Lower Tier: Limited Infra, Mixed Placement Stats
5. IIIT Sonepat
• CSE average ~?13–16?LPA, highest ~?40?LPA; placement rate ~65–70% (small batch) \
• Running in temporary transit campus, limited labs & amenities; new permanent campus due ~2026
6. IIIT Kanchipuram (IIITDM Kancheepuram)
• Infra is mature (51-acre campus, well-funded institute under IIITDM model); strong in design/manufacturing
• But CSE-specific placement data is scarce—since it's more focused on design & manufacturing, industry connections and CSE openings may be limited compared to others.

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Dr Karan

Dr Karan Gupta  |170 Answers  |Ask -

International Education Counsellor - Answered on Jul 31, 2025

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Dr Karan

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International Education Counsellor - Answered on Jul 31, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Career
Hello sir, I am currently a first year B.Tech student in Manipal Institute of Technology but I just got an offer from Singapore University of Technology and Design. Most of the people I talk to havent heard of it but from what I know its a really good college. The only thing is that the fees is much higher. So I am really having a hard time trying to decide what to do. I have been passionate about robotics since my childhood and want to study that further. I know that the education would be better in SUTD but to what extent? Would it justify the much higher fees? I would say my current focus is just developing skills in robotics and to get to know as much as i can in the same topic.
Ans: You’re at:
• Manipal Institute of Technology – B.Tech (India)
• Got an offer from: Singapore University of Technology and Design (SUTD)
You love robotics and want to build strong skills in it.
First: Is SUTD a good university?
Yes. It’s young but very high quality, built in collaboration with MIT. It’s focused on design, engineering, and innovation—exactly where robotics fits in. World-class labs, professors, and research culture. Much more advanced than what you’ll get at most Indian colleges.
So, yes, the education at SUTD is a big step up—especially for robotics.
Now the hard part: Is it worth the higher fees?
Here’s how to think:
• Can your family afford the fees without major stress or loans?
• If yes, go. The exposure, training, and network will pay off—especially if you're serious about robotics.
• If no, and you’ll need heavy loans, then you need to think harder.
Because robotics is not a high-paying job immediately. It takes time, maybe a master’s degree later. So early return on investment may not be fast.

...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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