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Ramalingam

Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 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
girish Question by girish on Apr 25, 2024Hindi
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Hi, Every month i invest Rs.6000 (i.e 1000 in each SIP as below 1) Aditya Birla Sun Life Small Cap Fund - GROWTH, 2) Axis Flexi Cap Fund - Regular Plan - Growth ,3)Canara Robeco Emerging Equities - Regular Plan - GROWTH ,4)HDFC Large and Mid Cap Fund - Regular Growth Plan ,5)ICICI Prudential Flexicap Fund - Growth ,6)Nippon India ELSS Tax Saver Fund-Growth Option and RS.50,000/- in Liquiloans is it good ? should i continue with the same stock..

Ans: It's great to see your disciplined approach towards investing through SIPs and also diversifying across various mutual fund categories. Let's review your current investments and provide some insights:

Diversification: You've done a good job diversifying across different mutual fund categories like Small Cap, Flexi Cap, Emerging Equities, Large and Mid Cap, Flexicap, and ELSS. This approach can help spread the risk and potentially enhance returns.
Performance Review: It's essential to periodically review the performance of your funds. While past performance is not indicative of future results, checking the fund's performance relative to its benchmark and peers can give you insights into its consistency and potential.
Liquiloans: Investing in platforms like Liquiloans involves lending money to borrowers, which carries a higher level of risk compared to traditional investment avenues. The risk associated with such platforms is higher due to factors like borrower defaults and platform-specific risks. Given the higher risk involved, it's crucial to evaluate whether this aligns with your risk tolerance and overall investment strategy. Considering your other diversified mutual fund investments, you might want to reconsider allocating a significant portion to such platforms and explore more stable and regulated investment options to safeguard your investment capital.
Professional Advice: Consider consulting a Certified Financial Planner to get a comprehensive review of your portfolio. They can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can also guide you on whether to continue with your current SIPs or make any necessary adjustments.
Stay Invested: Investing is a long-term journey, and it's essential to stay invested and not get swayed by short-term market fluctuations.
Remember, while your current investment strategy seems well-diversified, it's crucial to review and adjust periodically to align with your financial goals and market conditions. Best wishes on your investment journey!
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  |8916 Answers  |Ask -

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

Asked by Anonymous - Apr 23, 2024Hindi
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Sir, I am 35, following are my SIPs per month: I have just started investment 1. Canara Robeco ELSS Tax Saver- Rs. 1000/- 2. HDFC Large and Mid Cap Fund Regular Growth- Rs. 1000/- 3.HDFC Flexicap Fund Regular Plan Growth- 1000/- 4. HDFC Retirement Saving Fund- Regular Plan Growth-1000/- 5. HDFC Balanced Advantage Fund - Regular Plan Growth- 1000/-. 6. Icici prudential Balanced Advantage Fund Regular-1000 7. Icici prudential Dividend Yield Fund-1000 8. Icici prudential Equity and Debt fund-1000 9. Icici prudential Value and Discovery fund-1000 10. Nippon small and multi cap-1000 Please suggest whether if any changes needed or should I continue investing on above mf
Ans: You've set a strong foundation with a diverse range of funds, showing a proactive approach to investing. However, there are a few considerations to keep in mind to optimize your portfolio:

Diversification: While diversifying across fund types is good, ensure you're not over-diversifying within similar categories. Consolidating similar funds can simplify your portfolio.
Consistency: Regular review is essential. Keep an eye on fund performance, and if a fund consistently underperforms its benchmark or peers, consider replacing it.
Goals Alignment: Ensure your investment choices align with your financial goals. For example, ELSS for tax-saving should ideally be held for the long term, while balanced funds can offer a mix of growth and stability.
Risk Tolerance: Understand your risk tolerance. Some funds like small and mid-cap or value discovery can be more volatile but offer higher growth potential. Ensure your portfolio aligns with your risk appetite.
Costs: Keep an eye on the expense ratio. Lower expense ratios can improve your returns over the long term.
Considering these factors, you might consider:

Consolidating funds with similar objectives.
Reviewing the performance of Icici prudential Dividend Yield Fund and Nippon small and multi-cap, as these categories can be volatile.
Rebalancing your portfolio periodically to ensure alignment with your goals and risk tolerance.
Remember, while it's essential to stay invested for the long term, regular reviews and adjustments can help optimize your returns and keep your portfolio aligned with your financial goals. Consult with a financial advisor for personalized advice tailored to your needs.

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Ramalingam

Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

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Hello Sir I am 45 year old and I have been investing Rs.1000/- as SIP in following stock - 1 Aditya Birla Sun Life Small Cap Fund 2 Axis Flexi Cap Fund - Regular Plan – Growth 3 Canara Robeco Emerging Equities - Regular Plan – GROWTH 4 HDFC Large and Mid Cap Fund - Regular Growth Plan 5 ICICI Prudential Flexicap Fund – Growth 6 Nippon India ELSS Tax Saver Fund-Growth And I also have invested Rs.50,000/- in liquiloans I just want to know is my investment is good or do I need to make more investment or any changes in my invest ment Sir pls do reply Thanks & Regard
Ans: Congratulations on taking proactive steps towards securing your financial future at the age of 45! Your commitment to investing is admirable and sets a solid foundation for wealth accumulation.

Understanding Your Portfolio:

You've chosen a diversified portfolio with investments across various mutual funds, including small-cap, flexi-cap, large and mid-cap, and ELSS tax saver funds. Additionally, your investment in Liquiloans adds an alternative asset class to your portfolio.

Assessing the Investment Mix:

Your portfolio reflects a well-rounded approach, with exposure to different market segments and investment styles. Small-cap funds offer growth potential, while flexi-cap and large and mid-cap funds provide stability and diversification.

Evaluating Investment Choices:

Each fund you've selected has its unique investment objective and risk profile. Aditya Birla Sun Life Small Cap Fund and Canara Robeco Emerging Equities focus on small and emerging companies, potentially offering high returns but also higher volatility.

Axis Flexi Cap Fund, HDFC Large and Mid Cap Fund, and ICICI Prudential Flexicap Fund offer flexibility in asset allocation, blending exposure across market caps. Nippon India ELSS Tax Saver Fund provides tax benefits along with long-term wealth accumulation.

Analyzing Additional Investment:

Your decision to invest in Liquiloans introduces an element of diversification beyond traditional mutual funds. However, peer-to-peer lending platforms like Liquiloans carry inherent risks, including credit and default risk, which should be carefully considered.

Recommendation for Consideration:

Given your age and investment horizon, your portfolio seems appropriately diversified. However, it's crucial to regularly review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ans: Geetika, Both VIT AP and Manipal University Jaipur demonstrate strong career prospects with distinct advantages . VIT AP achieves 93.35% overall placement rate with CSE students securing excellent opportunities, maintaining consistent performance across 2022-2024 with top recruiters including Amazon, Microsoft, Google, and Cognizant . Manipal Jaipur demonstrates superior placement statistics with 93% overall placement rate in 2024, achieving 98% Engineering placement rate in 2023, and 1,142 total offers with 62% packages above 8 LPA and 38% above 10 LPA . VIT AP holds newer establishment status since 2017 with modern infrastructure and VIT brand recognition, while Manipal Jaipur benefits from established reputation since 2011 with NIRF ranking #64 in University category and #64 in Engineering . Both institutions offer similar CSE curriculum quality, though Manipal Jaipur provides slightly better industry connections with 289+ companies visiting campus versus VIT AP's participation in centralized VIT placement system . Recommendation: Choose Manipal University Jaipur CSE for its superior 98% Engineering placement rate, established industry relationships, better NIRF rankings, and proven track record of consistent placement performance over the last three years. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 14, 2025

Asked by Anonymous - Jun 07, 2025
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Ans: Your chances present a challenging scenario for CSE admission at RV College of Engineering . With COMEDK rank 1181, CSE admission is unfortunately not feasible as RVCE CSE cutoffs for general category consistently range between 193-434 across multiple rounds in 2024, with the most recent Round 2 closing at rank 328 . Similarly, your KCET rank 4154 significantly exceeds the CSE cutoff requirements, as RVCE maintains CSE closing ranks between 268-419 for general category across all rounds in 2024 . Historical data confirms this trend with CSE cutoffs remaining consistently low - 2023 saw closing ranks of 169-406, and 2022 maintained similar competitive standards around 299-1314 . However, alternative engineering branches at RVCE remain accessible with your ranks, including Electronics & Communication Engineering (COMEDK cutoff 700-1636, KCET cutoff 746-995), Information Science Engineering (COMEDK cutoff 418-802, KCET cutoff 470-657), and other core branches like Mechanical, Civil, and Electrical Engineering with significantly higher cutoff ranges . RVCE demonstrates excellent placement performance with 75-93% CSE placement rates, INR 19 LPA average packages, and top recruiters including Microsoft, Amazon, and Goldman Sachs . Recommendation: CSE admission at RVCE is not possible with your current ranks; consider alternative branches like Electronics & Communication or Information Science Engineering, or explore other colleges where CSE admission is feasible with ranks around 1000-4000.




All the BEST for the Admission & a Prosperous Future!
your chances present a challenging scenario for CSE admission at RV College of Engineering . With COMEDK rank 1181, CSE admission is unfortunately not feasible as RVCE CSE cutoffs for general category consistently range between 193-434 across multiple rounds in 2024, with the most recent Round 2 closing at rank 328 . Similarly, your KCET rank 4154 significantly exceeds the CSE cutoff requirements, as RVCE maintains CSE closing ranks between 268-419 for general category across all rounds in 2024 . Historical data confirms this trend with CSE cutoffs remaining consistently low - 2023 saw closing ranks of 169-406, and 2022 maintained similar competitive standards around 299-1314 . However, alternative engineering branches at RVCE remain accessible with your ranks, including Electronics & Communication Engineering (COMEDK cutoff 700-1636, KCET cutoff 746-995), Information Science Engineering (COMEDK cutoff 418-802, KCET cutoff 470-657), and other core branches like Mechanical, Civil, and Electrical Engineering with significantly higher cutoff ranges . RVCE demonstrates excellent placement performance with 75-93% CSE placement rates, INR 19 LPA average packages, and top recruiters including Microsoft, Amazon, and Goldman Sachs . Recommendation: CSE admission at RVCE is not possible with your current ranks; consider alternative branches like Electronics & Communication or Information Science Engineering, or explore other colleges where CSE admission is feasible with ranks around 1000-4000.

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Hellow Sir my son is very confused I help you SSN COLLEGE channai CSE and manipal university Bengaluru -CSE and GD GOENKA UNIVERSITY CSE which one is better
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I'm getting ece at VIT Vellore in cat 5 and chandigarh University with 40% discount. Which one should I choose?
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Sir, I got 44409 rank in comedk and 750496 in JEE. Which college and branch can I get through comedk, JOSAA, CSAB
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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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