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Ramalingam

Ramalingam Kalirajan  |8291 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 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
Asked by Anonymous - Nov 03, 2023Hindi
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I want to generate corpus fund of 10Cr. on 60yrs. Right now I am 55yrs. Please suggest how to invest to achieve my goal

Ans: Setting a goal to accumulate a 10Cr corpus by 60, starting at 55, requires a strategic and focused approach. Given the short timeframe, your investment strategy should balance growth potential with risk management.

Begin by determining your risk tolerance. At 55, while time is limited, it's crucial to maintain a diversified portfolio. Consider allocating a significant portion to equity-based investments, which historically have shown higher growth potential over the long term. However, given the shorter horizon, balance this with debt and other stable assets to safeguard your capital.

Regularly review and rebalance your portfolio to ensure it aligns with your changing financial landscape and market conditions. This proactive approach can help capture growth opportunities while mitigating potential downturns.

Lastly, consider tax-efficient investment avenues and take advantage of compounding by reinvesting returns. Remember, while the destination is 10Cr, the journey is equally important. Stay disciplined, informed, and adaptable to navigate towards your financial goal with confidence.
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  |8291 Answers  |Ask -

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

Asked by Anonymous - Nov 03, 2023Hindi
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Right now I am 55yrs. I want to create corpus fund of 10Cr. by 60yrs. Please suggest how to invest to generate 10Cr.
Ans: Achieving a 10Cr corpus within five years is ambitious and requires a diligent approach to investing. Here's a structured strategy to aim for your goal:

Asset Allocation: Given your age and the short time frame, you'll need a blend of growth-oriented and stable investments. Consider a mix of equity, debt, and alternative investments. While equities offer growth potential, they also come with volatility. Debt and stable assets can act as a cushion during market downturns.
Equity Investments: Allocate a significant portion to diversified equity mutual funds or direct stocks. Look for funds with a proven track record and consistent returns. Consider large-cap, mid-cap, and multi-cap funds to spread risk and maximize growth potential.
Debt Investments: Fixed deposits, bonds, and debt mutual funds can provide stability to your portfolio. They offer regular interest income and protect your capital from market volatility.
Alternative Investments: Real estate or gold can be considered as a hedge against inflation and diversify your portfolio. However, ensure these investments align with your risk tolerance and liquidity needs.
Regular Review: Monitor your portfolio regularly and make necessary adjustments based on market conditions, performance, and changing financial goals. Rebalance your portfolio periodically to maintain the desired asset allocation.
Tax Planning: Opt for tax-efficient investment avenues like ELSS, NPS, or tax-free bonds to maximize post-tax returns.
Avoid High-Risk Strategies: Given the short time horizon, avoid high-risk speculative investments. Focus on preserving capital while seeking consistent returns.
Remember, achieving a 10Cr corpus requires discipline, patience, and a well-thought-out investment strategy. Consult a financial advisor to tailor a plan suited to your needs, risk tolerance, and financial situation.

..Read more

Ramalingam

Ramalingam Kalirajan  |8291 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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I am 42 years of age now and I want to accumulate a corpus of 1 crore rs in next 10 years for my retirement? I also have fund requirements for my kids education, their weddings and other expenses coming up in next 5-10 years. I can invest Rs.20000 per month as we speak.
Ans: Planning for retirement and future expenses for your children is a wise decision. Let's create a strategy to achieve your financial goals:

Retirement Corpus:
With a monthly investment of Rs. 20,000 and a 10-year horizon, aim for a diversified investment approach. Consider a mix of equity mutual funds, debt funds, and other investment options based on your risk tolerance.
Regularly review and adjust your investment portfolio to ensure it remains aligned with your retirement goal.
Children's Education and Wedding Expenses:
For short-to-medium-term goals like education and wedding expenses, consider investing in a combination of equity and debt funds, balanced funds, or targeted investment options like children's education funds.
As these expenses are nearer term (within 5-10 years), prioritize capital preservation while aiming for modest growth.
Emergency Fund:
Ensure you have an emergency fund equivalent to 6-12 months of expenses. This will provide a safety net in case of unexpected financial needs.
Regular Review:
Regularly review your financial plan, adjusting your investment allocations and contributions as needed to stay on track with your goals.
Professional Guidance:
Consider consulting with a Certified Financial Planner who can help you create a comprehensive financial plan tailored to your specific goals and circumstances. They can provide personalized advice and guidance to help you achieve your financial objectives efficiently.
Remember, consistency and discipline in your investment approach, along with periodic reassessment of your goals and financial situation, will be key to achieving financial success. With prudent planning and diligent execution, you can work towards building a secure future for yourself and your family.

..Read more

Ramalingam

Ramalingam Kalirajan  |8291 Answers  |Ask -

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

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Respectedsir???? .I am retired person.aged 63 yrs and having 10 lac rs at hand to invest, kindly advice to make corpus of 1 cr . Thanks . ------ K R shriwas
Ans: Dear Mr. Shriwas,

Congratulations on your retirement! It's commendable that you're proactively seeking ways to grow your wealth even after retirement. Let's explore the best investment options to help you achieve your goal of building a corpus of 1 crore.

Your commitment to securing your financial future, even after retirement, is truly inspiring and reflects your proactive approach towards wealth management.

Analyzing Investment Options
Assessing Your Situation:
Current Capital:

With 10 lakh rupees at hand, you have a solid foundation to start building your retirement corpus.
Goal:

Your objective of accumulating 1 crore rupees is ambitious but achievable with the right investment strategy and time horizon.
Investment Recommendations
Diversified Investment Approach:
Equity Mutual Funds:

Consider investing a portion of your capital in equity mutual funds to harness the potential for long-term growth. However, given your age, opt for large-cap or balanced funds to minimize risk.
Debt Instruments:

Allocate a significant portion of your investment to debt instruments such as fixed deposits, bonds, or debt mutual funds. These provide stability and regular income.
Systematic Investment Plan (SIP):

Opt for SIPs in mutual funds to benefit from rupee-cost averaging and disciplined investing. This approach reduces the impact of market volatility over time.
Risk Management Strategies:
Diversification:

Spread your investments across multiple asset classes to mitigate risk. A balanced mix of equity and debt instruments can provide stability while aiming for growth.
Regular Review:

Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Rebalance your portfolio if necessary to maintain optimal asset allocation.
Conclusion
With a well-thought-out investment strategy and disciplined approach, you can work towards achieving your goal of building a corpus of 1 crore rupees for your retirement. Remember to consult with a Certified Financial Planner to tailor an investment plan that suits your unique financial situation and goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Dr Nandita

Dr Nandita Palshetkar  |71 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Apr 26, 2025

Health
Hello Dr., My wife aged 40 years have anemic problem continuously from past 2 years during this period she diagnosed with 2 times blood transfusion about 2 units 1st time and 3 units 2nd time and three times with iron drips. I have done all the tests but nothing comes out. about 5 doctors changes but nobody finds the reason of down Hb. Please suggest I am worried about her, her weight also loss now she is very week.
Ans: 40-year-old woman with anemia who has had multiple blood transfusions, is taking iron supplements, and has undergone tests with normal results, may have an underlying medical condition causing her anemia. The weight loss observed could be related to the anemia itself, or it could be a separate issue unrelated to the anemia. Further investigation to identify the cause of the persistent anemia and the weight loss is needed.
Possible reasons for persistent anemia:
Iron Absorption Issues:
Despite taking iron supplements, the woman may not be able to absorb iron properly due to conditions like celiac disease, inflammatory bowel disease, or prior surgery.
Bleeding Source:
A hidden source of bleeding, such as a polyp, ulcer, or other gastrointestinal issue, could be causing the blood loss that needs to be addressed.
Chronic Disease:
Anemia of chronic disease can occur due to conditions like kidney disease, heart failure, or inflammatory conditions, and the treatment focuses on managing the underlying disease.
Other Types of Anemia:
Conditions like aplastic anemia (where the bone marrow doesn't produce enough red blood cells) or hemolytic anemia (where red blood cells are destroyed prematurely) may also need different approaches.
Incorrect Iron Supplement:
The iron supplement being taken may not be the most effective type, or the dosage may be too low, preventing the anemia from being fully resolved.
Reasons for weight loss:
Anemia's Effects:
Underlying Medical Condition:
The woman's weight loss may be related to an underlying medical condition not related to the anemia, such as hyperthyroidism, cancer, or an eating disorder.
Iron Supplement Side Effects:
Some iron supplements can cause digestive issues like constipation or stomach cramps, potentially leading to changes in appetite and weight.

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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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