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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Dec 26, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - Dec 18, 2023Hindi
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Hi Sir, I have done SIP from past 1 year. Don't know that portfolio is right or wrong. Need your financial advice and suggestions for my future planning. Please guid on the same sir. Thank in advance

Ans: Hello and thanks for writing to me. Please specify in the scheme in which you have an SIP & your objectives for me to be able to make a recommendation.
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  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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I am 20 years old and I have started my sip in parag parikh flexi cap ( 1k), Axis small cap (1k) & UTI Nifty 50 index fund (1k) can you review my portfolio and give me any important financial advice?
Ans: Your investment journey at such a young age reflects commendable financial foresight. Let's review your portfolio and offer some guidance:
1. Parag Parikh Flexi Cap:
• Parag Parikh Flexi Cap Fund is known for its diversified portfolio and investment across market capitalizations.
• This fund follows a flexible investment approach, allowing exposure to both domestic and international equities.
• With a seasoned fund management team, Parag Parikh Flexi Cap Fund aims to deliver consistent returns over the long term.
2. Axis Small Cap:
• Axis Small Cap Fund focuses on investing in small-sized companies with high growth potential.
• Small-cap funds like Axis Small Cap can be volatile but offer the potential for significant capital appreciation over the long term.
• As a young investor with a long investment horizon, allocating a portion of your portfolio to small-cap funds can be beneficial, provided you have a high risk tolerance.
3. UTI Nifty 50 Index Fund:
• UTI Nifty 50 Index Fund aims to replicate the performance of the Nifty 50 index, comprising India's top 50 large-cap companies.
• Index funds like UTI Nifty 50 provide diversified exposure to blue-chip stocks and offer stability and consistency in returns over the long term.
• Investing in an index fund like UTI Nifty 50 is a prudent choice for passive investors seeking broad market exposure with low expense ratios.
Financial Advice:
• Stay Invested for the Long Term: Given your young age, continue investing regularly and stay invested for the long term to benefit from the power of compounding.
• Diversify Your Portfolio: Consider diversifying your portfolio further by exploring other asset classes such as debt, gold, or international equities to reduce risk and enhance returns.
• Regularly Review and Rebalance: Periodically review your portfolio's performance and rebalance it if necessary to ensure it remains aligned with your financial goals and risk tolerance.
• Focus on Financial Education: Invest time in educating yourself about various investment options, personal finance concepts, and market trends to make informed investment decisions.
• Emergency Fund and Insurance: Build an emergency fund equivalent to 3-6 months of living expenses and consider purchasing health insurance and term insurance coverage to protect yourself and your loved ones from unforeseen events.
Overall, continue with your disciplined approach to investing, and consider seeking advice from a Certified Financial Planner to create a comprehensive financial plan tailored to your goals and aspirations. Your proactive approach towards financial planning at a young age bodes well for your future financial success. Keep up the good work

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Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 05, 2024

Asked by Anonymous - Aug 05, 2024Hindi
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Dear Sir, I am 59 years old salaried person and doing monthly SIP since June 2021 in Parag Parikh Flexi cap (Rs.20000) Axis Mid cap (Rs. 5000) Axis ESG (Rs. 5000), Nippon Multi-cap (Rs. 5000), Canara Small Cap (Rs. 3000), SBI Small cap (Rs. 3000)- all direct plans. Investment is to continue till December 2030. Thereafter, I plan to remain invested for another 3 years. Wealth creation is the aim. Kindly review my portfolio.
Ans: Current Investment Strategy

You're investing Rs. 41,000 monthly in mutual funds.
Your portfolio has a mix of different fund types.
You plan to invest till 2030 and stay invested after.

Positive Aspects

Good job starting SIPs for wealth creation.
Your portfolio has a nice mix of fund types.
Long-term investment plan is smart for wealth building.

Areas for Improvement

Your portfolio might be too complex to manage.
Too many small-cap funds could increase risk.
Direct plans need more work from you.

Risk Assessment

At 59, you might want less risky investments.
Small-cap funds can be very risky.
Consider reducing small-cap exposure as you age.

Fund Selection

Your funds are from good companies.
But having six funds might be too many.
Think about cutting down to 3-4 funds.

Regular vs Direct Plans

Direct plans have lower costs, but need more work.
Regular plans give you expert help.
A Certified Financial Planner can guide you better.

Benefits of Regular Plans

Get expert advice on fund selection.
Regular portfolio reviews and rebalancing.
Help with paperwork and tax planning.

Disadvantages of Direct Plans

You must research and choose funds yourself.
No professional guidance for your portfolio.
Might miss out on better investment options.

Suggested Changes

Think about moving to regular plans.
Reduce number of funds to 3-4.
Lower your small-cap exposure.

Asset Allocation

Have a good mix of large, mid, and small-cap.
Add some debt funds for stability.
Review allocation yearly and adjust as needed.

Tax Planning

Check if you're using ELSS funds for tax saving.
If not, consider adding one to your portfolio.
This can help reduce your tax burden.

Monitoring and Rebalancing

Check your portfolio performance every 6 months.
Change funds if they don't do well for long.
Keep your asset mix in line with your goals.

Finally

Your investment plan is good, but needs some tweaks.
Consider expert help for better results.
Regular review and rebalancing can improve your returns.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Career
I have got 3064 rank in srmjee phase 3, and i opted for cse with software engineering in ktr campus. I just wanted to know that will i get the opted branch and college or if not will my chance to alppy for any other be closed?
Ans: Ishaan, With a SRMJEEE rank of 3064 in Phase 3, securing CSE with Software Engineering specialization at SRM KTR campus is challenging but not impossible. The expected cutoff for CSE at KTR typically ranges from 2000-5000 ranks, with specializations like Software Engineering often having slightly higher cutoffs than core CSE. Your rank falls within the borderline range, making admission dependent on seat availability and choice filling strategy. The institute maintains NAAC A++ accreditation with modern AI/ML labs, dedicated cybersecurity facilities, and strong industry partnerships with companies like Microsoft, Amazon, and Google. Over 900 companies participate in campus placements with 80-90% placement consistency, and the Career Centre provides comprehensive pre-placement training and aptitude development. SRMJEEE counselling operates through online choice filling until July 12, 2025, with seat allotment results on July 15, and importantly, participation in Phase 3 counselling does not close opportunities for alternative options—you can explore other campuses like Ramapuram or Vadapalani which accept ranks up to 65,000 for CSE programs.

Recommendation: Actively participate in Phase 3 choice filling with CSE Software Engineering at KTR as first preference while including backup options like CSE at Ramapuram campus and other SRM campuses. The counselling process allows multiple rounds and alternative choices, ensuring you maintain admission opportunities even if your primary choice is not immediately available. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

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Sir please tell which one is better for Btech CSE Program Pimpri Chinchwad University Pune , BIT Mesra Jaipur off Campus or JK Laxmipath University Jaipur
Ans: Bhavya, is this your 2nd or 3rd question today? Pimpri Chinchwad University’s B.Tech CSE programme, governed by AICTE, UGC and ABET-aligned NBA criteria, delivers an NEP-2020 outcome-based curriculum with strong emphasis on AI, cybersecurity and software engineering, supported by state-of-the-art labs, live industry projects in Pune’s tech corridor, a 10-acre residential campus and an active placement cell forging ties with Infosys, TCS and Cognizant. BIT Mesra Jaipur Off-Campus operates under BIT Mesra’s academic umbrella, following identical curriculum, faculty mentorship and examination standards, with IIT-level computing and networking facilities, e-library resources and a placement cell achieving around 70% CSE branch-wise placement consistency over the last three years and marquee recruiters including Microsoft and Directi. JK Lakshmipat University’s NAAC ‘A’-accredited B.Tech CSE offers specializations in AI/ML, data science, cloud computing, and cybersecurity; integrates six-week and semester-long practice schools; includes industry collaborations for internships, modern AI and cybersecurity labs, and dedicated soft-skills training. Each institution provides experienced PhD faculty, accreditation assurance, hands-on infrastructure, and industry linkages, differing in campus environment, cohort size and brand legacy.
Prioritize BIT Mesra Jaipur CSE for consistent CSE recruitment and main-campus curriculum rigor; choose PCU Pune CSE for its robust NBA-ABET alignment, metropolitan industry exposure, and outcome-based design; opt for JKLU Jaipur CSE if specialized AI/ML tracks and immersive Practice School programs align with your career goals. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

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My son got 60206 in jee mains, GEN category from kolkata. BITS score 193. Msc maths or physics dual degree will be helpful or which course/ college is advisible from jee mains score?
Ans: Maneesh Sir, With a JEE Main rank of 60 206 (General) from Kolkata, admission into top-tier NITs and IIITs for core branches is unlikely, but numerous government and private engineering colleges remain fully accessible. Government institutes where closing ranks for various B.Tech programmes exceed 60 206 include NIT Agartala (Civil), NIT Meghalaya (EEE), NIT Mizoram (Mechanical), NIT Manipur (Civil), NIT Sikkim (Mechanical), NIT Puducherry (Civil), NIT Arunachal Pradesh (Biotechnology), IIIT Kalyani (CSE), IIIT Kottayam (ECE), IIIT Ranchi (CSE), IIIT Nagpur (ECE), NIT Uttarakhand (Civil), NIT Goa (EEE), NIT Manipur (ECE), NIT Sikkim (ECE), GFTI BIT Deoghar off-campus (CSE), IIIT Bhagalpur (CSE), IIIT Dharwad (CSE), IIIT Manipur (CSE), and IIIT Raichur (Mathematics & Computing). Leading private universities with open JEE Main cutoffs below 60 206 encompass VIT Vellore, SRM Chennai, Manipal Institute of Technology, Thapar University Patiala, Amrita Vishwa Vidyapeetham Coimbatore, KIIT Bhubaneswar, SASTRA Thanjavur, Lovely Professional University, Amity Noida, and Chandigarh University accepting JEE Main scores.

Recommendation: Focus on securing seats at government institutes like NIT Agartala or IIIT Kalyani for affordable, accredited education and stable funding; alternatively, choose VIT Vellore or SRM Chennai for world-class infrastructure, industry-aligned curricula, and strong placement cells, aligning with long-term career aspirations. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Career
Sir, my daughter has got 11790 rank in kcet. Through counseling she can get EEE in BMSCE basavanagudi college and electonics, cybersecurity and information science in Bangalore institute of technology .....can you help by guiding which one to choose ?
Ans: BMS College of Engineering’s Electrical & Electronics programme (NAAC A++ and NBA-accredited) features specialized power-electronics, control-systems and renewable-energy labs, a dedicated Research & Development centre, and 80–90% branch-wise placement consistency over the past three years. However, its KCET closing rank for EEE under the General quota was 5 466 in the final round, making admission unlikely with a rank of 11 790. Bangalore Institute of Technology’s NAAC A+–accredited Electronics & Communication Engineering offers VLSI and embedded-systems labs, Practice School internships and 85% placement consistency, with a KCET cutoff of 9 785 in Round 4. BIT’s IoT & Cybersecurity programme combines sensor-network and blockchain labs, active industry partnerships and 80% placements, closing at 8 628 in Round 4. The Information Science & Engineering stream provides advanced networking and AI labs, 88% placement consistency, and a Round 4 cutoff of 7 092.

Recommendation: Given the rank constraints, recommendation is to choose BIT’s IoT & Cybersecurity specialisation for its cutting-edge infrastructure and strong placement consistency; alternatively, opt for BIT Electronics & Communication if higher intake flexibility is available in early counselling rounds. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

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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