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Samraat

Samraat Jadhav  |2385 Answers  |Ask -

Stock Market Expert - Answered on Feb 08, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Jayesh Question by Jayesh on May 09, 2023Hindi
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Money

Do you find the tata power at current level as investable , what is price target for diwali

Ans: yes, good to buy

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
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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Nayagam P

Nayagam P P  |8838 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Career
Hello Sir,Sir SMVDU Jammu,GNDU Amritsar ,or GNDEC Ludhiana,for architecture.Kindly recommend.
Ans: Shri Mata Vaishno Devi University’s five-year B.Arch programme, housed in the School of Architecture & Landscape Design since 2006, is NIRF-ranked 31st in Architecture, UGC-recognized and NAAC B-accredited. Its purpose-built building and 40-student intake foster intimate learning under PhD-qualified faculty, with emphasis on sustainable hill-architecture and heritage conservation, and graduates have secured placements and higher-studies offers at reputed Design firms and institutes. Guru Nanak Dev University’s B.Arch course, offered under its NAAC A++-accredited Architecture & Planning department since 1969, features a 200-hectare campus with zoned academic, residential and recreational facilities, modern studios, digital fabrication labs and live project tie-ups, delivering around 85% placement consistency in architecture and planning roles. GNDEC Ludhiana’s five-year B.Arch, under its Autonomous NAAC A-graded School of Architecture, leverages 88-acre urban campus infrastructure—including studios, climatic research labs, GIS facilities—and benefits from TEQIP funding and World Bank-assisted quality enhancement programmes, with alumni placed in core architecture and urban-design firms at approximately 80% rate. All three programmes ensure accredited curricula, experienced faculty, specialized labs, studio-based pedagogy and active career support.

recommendation
Prioritise SMVDU Jammu for its NIRF-ranked, design-focused curriculum and intimate cohort environment; next, choose GNDU Amritsar for its NAAC A++ status, expansive zoned campus and strong live-project integrations; lastly, opt for GNDEC Ludhiana for its established autonomy, TEQIP-backed infrastructure and robust urban-design studio training when campus connectivity and funding-driven quality upgrades are paramount. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8838 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Career
Srm KTR cse vs Upes cse?
Ans: SRM Institute of Science and Technology, Kattankulathur holds NAAC A++ accreditation and Category I UGC status, with its CSE department supported by PhD-qualified faculty, ABET and IET-recognized curricula and over 47 specialized computing, AI/ML and cybersecurity labs. Its centralized KTR campus saw 980 companies and 5,546 offers in 2024, with overall average packages of INR 7.19 LPA and branch-wise placement rates historically ranging from 83% to 95%. UPES Dehradun is a private NAAC-accredited university awarded QS 5-Stars for employability, featuring state-of-the-art data-science, cloud-computing and software engineering labs. Its School of Computer Science reports a 94% placement rate and average package of INR 8.59 LPA for CSE, with top recruiters including Amazon, IBM and Schlumberger, and active internship programmes from the third year onward. Both institutions emphasize robust industry tie-ups, modern labs, strong faculty credentials and active placement cells to prepare graduates for evolving technology roles.

Recommendation:
UPES Dehradun’s CSE programme is preferable for slightly higher placement consistency, average remuneration and early internship integration, while SRM KTR’s broader ABET-accredited curriculum, global recognition and extensive lab infrastructure offer a versatile computing foundation; choose based on whether specialization depth and placement metrics or international accreditation and curriculum breadth align more with your career priorities. I also suggest that if you are located in Northern India, you should prefer the UPES-CSE program. All the BEST for Admission & a Prosperous Future!

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Sunil

Sunil Lala  |209 Answers  |Ask -

Financial Planner - Answered on Jul 15, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Money
Hi, Me and My wife earn earn 2 lacs per month after taxes (Both Salaried). Im 34 and she is 31. We have a 1 Year old son. Current investments are as follows. MF: 2 Lacs (Sip 25k per month. PPFAS: 10K, ICICI Prud Large Cap Direct: 3k, Motilal Oswal midcap: 2k, LIC MF Gold ETF: 5K, Nippon inida Small cap: 5k) FD: 4 Lacs EPF: 7 Lacs PPF: 1.5 LPA (Started in april this year 12500 per month) Expenses ( 50 k per month) Liabilities. Home loan: 40 months remaining 35k EMI. We wish to achieve following goals. 1. 60Lacs in next 16 years for childs education. 2. 60Lacs in next 10 years for new home. 3. 2Cr in next 20 years for retirement. Please suggest suitable plan and investment change if any to achieve above goals.
Ans: Hello, to achieve 1.2Cr in the next 10 years, you need to have SIPs worth 50k today which will yield a CAGR of 15% to achieve the target. Another 20k SIP to achieve the 2Cr retirement target, which totals to 70k SIPs starting today. Your financials look very stable with the income you'll have, but the investment decisions w.r.t the mutual funds, the PPF and EPF are wrong since they will not yield optimum returns in the long run. As far as tax planning and safety is concerned, there are other better avenues to put your money which will be more effecient than your current decisions. Also, as far as your mutual funds are concerned, these look very "safe" and selection looks a lot based on past returns.
I would love to help you and have a detailed conversation with you for better, apt advice for you; please visit the website slwealthsolutions.com if you are interested :)

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Nayagam P

Nayagam P P  |8838 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Janak

Janak Patel  |60 Answers  |Ask -

MF, PF Expert - Answered on Jul 15, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Money
Hi Sir/Madam, I'm 35 yrs old married man, no children, Working as Qa analyst from past 13yrs. I'm earning 1-Lack per month. I have no emis and no good savings. But rent is 25k per month I may go for house loan maybe 20-Lakhs to support my parents house But I'm worried about my future due to working in IT as QA and uncertainty about job security Can you please suggest me how can I save money and pension plan Any suggestions will be really helpful
Ans: Hi,

Based on the information provided, its difficult to provide specific responses. Even then, let me try to guide you with some pointers.

Savings -
As I understand your income and expenses do not leave any saving at this time. With 1 lakh income and 25K rent, you have 75k for other expenses. So first start by looking at these, create a budget for various expenses and see if there is any potential to make adjustments and arrive at saving a few thousands. Even a saving of 2k every month has a potential to build 10 lakhs in 15 years. So no amount is too small. Start small and keep looking for ways to save more with time.
Rent is also something to think about. Is there anyways to reduce it, a smaller house or another area or something that can work for you. When you consider new place keep in mind the over all expense you will incur not just rent, e.g. travel expenses. Overall there should be a benefit in terms of real savings in hand every month.

Loan -
Going for a loan to support your parents house will put additional burden on your budget. Do they live in the same city, if so is there an option to live with them. This can help service EMI with the rent saved.

Empower your spouse -
Another option to consider is your spouse's potential to contribute to the household income. You can encourage her towards something that she can start either a job or something on her own, may be tuitions or any other interests, anything that can generate a little more income to support/increase your savings.

Career -
As for your own future in IT, I can understand it may look challenging. Look for additional skills you can develop on the job. Many organizations have career growth options with trainings and new areas of focus where they would prefer an existing employee they can train and utilize. So look within your organization and even outside. Developing new skills can be 1 way to stay relevant in IT. Keep yourself updated with new tools and techniques to get an edge over others.
Also consider any other areas of interest/expertise you have or can develop for an alternate career. I have been in the IT industry too for a long time. Somewhere in the middle of my IT career I developed interest towards finance and specifically personal finance area and pursued it with passion and eventually I started it as a profession/business.
So look for your areas of interest.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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Ramalingam

Ramalingam Kalirajan  |9737 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Money
Dear Sir/Madam, First let me list down our holdings as of July 15, 2025. Self (Age 39) - Net Salary - 1.53 L Per Month; Variable Pay - 1 L Per Annum; Term Life Ins - 50 L; Health Ins - 5 L (Individual plan. Additional health cover provided by employer as well); 2 Houses - worth rs.50 L each (1 is yielding a rent of 8k per month); 1 Home Loan - EMI 20K (12 L Outstanding - Borrowed 26 L in Oct 2021 and reduced 14 L thru regular part payments); 1 Vacant plot - worth rs.7 L; Agri Paddy Field - ~3 L; NPS - 7.5 L; EPF - 8.5 L; NCD - 4 L (mature by 2030); Direct Stocks - 2.5 L; Mutual Funds - 19 L (all DIY - Direct Growth); MF Portfolio: (Axis Tax Saver 5K SIP since Aug 2016; Nippon India Index BSE Sensex Plan 1K SIP since May 2021; Edelweiss NIFTY LARGE MID CAP 250 INDEX Adhoc Lumpsum; TATA Digital India Fund: Tata Nifty India Tourism Index; Motilal Oswal Nifty India Defence Index: Mirae Asset Tax Saver Fund (for Wife)); Wife (age 31): Net Salary - 95 K Per Month; Variable Pay - 1.5 L Per Annum; 1 Commercial Go-down - Worth 1 Crore (Yielding 25 K rent Per Month); Gold - 300 Grams; NPS - 3 L; EPF - 3 L; Health Ins - 5 L (Individual plan. Additional health cover provided by employer as well); Our fathers are no more and our mothers are health insured; 1 kid (Boy) - 4 Yrs old (at Kinder-garden); Emergency Fund - 20 L. Question: I want to raise my son as an Archery sports person and provide him decent education as well (in Chennai metro city). My brother is less paid and he has two boy kids (5 yrs & 3 Yrs) and I want to support his kids' education as well. (living in semi-urban); Our monthly net income is 2.81 L (salaries, rents). Kindly formulate a plan for our future (wealth building, retirement, children - education, sports). Thanks a lot!
Ans: You have done many things right already. You are earning well, living within your means, and thinking of your family. You have real assets, a good emergency fund, and multiple investments. The intent to raise your son in sports and support your brother’s kids is admirable. Let us go step by step.

? Income and Cash Flow Assessment

– Your total family income is Rs.2.81 lakhs per month.
– This includes salaries and rental income.
– You have a home loan EMI of Rs.20000.
– You also get Rs.25000 rent from commercial property.
– The outflow seems manageable with this income.

You already keep aside Rs.20 lakhs as emergency fund.
This is well thought out. Please continue to keep it updated with inflation.
Ensure this is in a liquid mutual fund or sweep-in FD for easy access.

Now let’s move into goal planning and wealth building.

? Portfolio Overview and Observations

– You have Rs.19 lakhs in mutual funds.
– Most are in direct growth plans.
– You also hold index funds and thematic funds.
– NPS and EPF together have over Rs.19 lakhs.
– You have Rs.2.5 lakhs in stocks.
– You hold Rs.4 lakhs in NCDs.
– You own two houses and a commercial property.
– Your wife owns gold of 300 grams.

Overall, your asset mix is wide and strong.
But few gaps exist. Some assets may underperform long term.
We need to align all assets towards your family’s life goals.

? Disadvantages of Index Funds and Direct Mutual Funds

You hold multiple index funds. Also, all mutual funds are direct plans.

Problems with index funds:

– They simply copy market index.
– No active management.
– No outperformance during bull phases.
– Fall fully during bear phases.
– Cannot protect downside.
– Do not beat inflation well in the long run.

Problems with direct mutual funds:

– Lower cost, but no guidance or review.
– No support in selecting suitable funds.
– Risk of overlapping and over-diversification.
– Emotional decisions can hurt portfolio.
– No asset rebalancing or goal linking.
– Hard to track or monitor performance deeply.

You will benefit more from regular mutual fund plans
through a Certified Financial Planner.
They ensure portfolio reviews and better fund selection.
They help you match investments with real goals.

The service value is higher than the slightly higher cost.

? Plan for Your Son’s Sports and Education Journey

This is a meaningful and high-impact goal.

– Archery is a disciplined sport.
– Needs equipment, coaching, travel, and time.
– Start planning financially right away.

Do this:

– Estimate yearly coaching and sports costs.
– Allocate a SIP from now only for sports expenses.
– Use equity mutual funds with long-term view.
– Set aside Rs.10000 monthly towards this.
– Keep this portfolio separate from other goals.

Also, for his academic education:

– Set a separate goal-based investment for school and college.
– Education in Chennai metro will be costly.
– Keep Rs.10000 per month as SIP for education.
– Choose 2-3 well-managed diversified equity mutual funds.
– Keep reviewing yearly and increase SIP over time.

This dual-approach ensures your son gets exposure to both
sports and studies without any funding stress.

? Planning Support for Brother’s Children

This shows your long-term vision and care for your extended family.
They stay in semi-urban area, so education costs may be moderate.
Still, cost will increase over time.

– You can help them through a dedicated fund.
– Start SIP of Rs.5000 per month for this purpose.
– Invest in equity mutual funds with 10-15 year view.
– Withdraw only for their college or higher education.
– Let the fund grow untouched till then.

Keep this separate from your own child’s funds.
It avoids confusion and keeps planning clear.

Also, educate your brother about savings and child education plans.
Guide him to start small SIPs or open Sukanya or PPF accounts.

? Retirement Planning – Your and Your Wife’s Future

You are 39. Your wife is 31. You both have 20-25 years to build retirement wealth.
This time is very important.

Currently you have:

– Rs.7.5 lakhs in NPS
– Rs.8.5 lakhs in EPF
– Rs.3 lakhs NPS (wife)
– Rs.3 lakhs EPF (wife)

These are good. But not enough alone.

What to do:

– Start dedicated SIP for retirement.
– Invest Rs.15000 per month from your income.
– Your wife can invest Rs.10000 monthly.
– Use equity-oriented mutual funds.
– Choose regular plans with CFP-backed guidance.
– Review once every year.

Avoid depending on real estate or gold for retirement.
They are not liquid or tax efficient during old age.

Mutual fund retirement corpus can be withdrawn in parts.
Tax on equity funds is also predictable.

NPS is locked till 60. Use it as support only.
Don’t rely fully on it.

Build a retirement plan that keeps you comfortable
even if rental income slows down or stops later.

? Review of Existing Real Assets and Loans

You have:

– Two houses (Rs.50 lakhs each)
– One commercial go-down (Rs.1 crore)
– One vacant plot (Rs.7 lakhs)
– Agri paddy field (Rs.3 lakhs)

Out of this, only one house and go-down are yielding rent.
Second house and vacant land are not productive now.
Also, gold of 300 grams is passive holding.

Suggestions:

– Don’t increase real estate further.
– Avoid buying new plots or homes.
– Real estate gives low returns over time.
– High cost, low liquidity, and poor taxation.
– Maintenance and legal issues increase in old age.

Instead:

– Focus on mutual funds for growth.
– Mutual funds are liquid, diversified, and efficient.
– You can withdraw partially for goals.

Your current EMI of Rs.20000 is fine.
Loan balance is only Rs.12 lakhs.
Try to close it in 3 years.
Use bonuses or surplus rent for closure.

? What You Should Do with Gold and Stocks

You hold 300 grams gold.
This is fine as safety asset.

Do not invest more in gold going forward.
Returns are low and erratic.
Better to use mutual funds or EPF/NPS.

You also have Rs.2.5 lakhs in direct stocks.
Ensure this is in quality companies.
Don’t increase stock investing unless you have expertise.

Stocks need time and knowledge.
Mutual funds offer better risk handling.
Focus more on mutual fund SIPs for all goals.

? Insurance Coverage Review

You have:

– Rs.50 lakhs term insurance (self)
– Rs.5 lakhs health insurance (each)
– Additional corporate health cover

Suggestions:

– Increase term insurance to Rs.1 crore minimum.
– For your wife, take Rs.50 lakhs term cover.
– This protects your son if anything happens.
– Corporate health insurance is not permanent.
– Keep separate retail health plans active always.

Also, include critical illness riders if possible.
Medical inflation is very high.

? Estate Planning – Very Important for Families Like Yours

Since both your fathers are no more,
You understand the need for clarity in future.

– Prepare a Will for both husband and wife.
– Mention all assets clearly.
– Assign guardianship for your son.
– Include your intention to support your nephews.
– This avoids confusion and legal issues later.

Also, keep nominee details updated in:

– Mutual funds
– NPS and EPF
– Bank accounts
– Insurance policies

This brings peace of mind and security.

? Ideal Monthly Budget Structure from Your Current Income

You earn Rs.2.81 lakhs monthly.
You can follow this ideal budget model:

– 30% for all household expenses (Rs.84000)
– 10% for EMI and loans (Rs.20000)
– 10% for insurance premiums (Rs.20000)
– 40% for investments and goals (Rs.1.12 lakhs)
– 10% for lifestyle, travel or miscellaneous (Rs.28000)

This way you enjoy life, stay protected, and build wealth peacefully.

? How to Monitor Your Plan Every Year

Each year, do these 5 reviews:

– Check if SIPs are linked to your goals
– Increase SIP amounts as income grows
– Review mutual fund performance
– Track actual cost of sports and education
– Ensure insurance and emergency funds are adequate

A Certified Financial Planner can do this yearly review.
This keeps your plan aligned and stress-free.

? Finally

You are financially strong today.
You have a good mix of income, assets, and savings.
You care about your family and extended family.
You are future-focused and responsible.

Please take the next steps now:

– Shift your direct mutual funds to regular plans through a CFP
– Exit index funds and thematic funds gradually
– Stick to diversified actively managed equity funds
– Allocate funds to son’s sports and education
– Start retirement SIPs immediately
– Review term and health covers
– Complete your Wills this year
– Avoid more real estate or gold investments

With this 360-degree plan, you can reach your goals peacefully.
You can raise your son with values, health, education, and talent.
And also uplift your brother’s kids quietly and strongly.

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

...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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