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Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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 24, 2023Hindi
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My goal is approx Rs 1 Cr. What will be my approx corpse after 10 years. My monthly investment are as under:- 1. Aditya Birla Sun Life Digital India Fund - 1000 2. Axis Bluechip Fund - 1000 3. Axis Mid Cap Fund - 1000 4. Axis Small Cap Fund - 1000 5. ICICI Prudential Infrastructure Fund - 1000 6. ICICI Prudential Infrastructure Fund - 1000 7. ICICI Prudential Smallcap Fund - 1000 8. Kotak Emerging Equity Fund - 2000 9. Mirae Asset Tax Saver Fund - 2000 10. Parag Parikh Flexi Cap Fund - 1000 11. Quant Small Cap Fund - 2000 12. SBI Focused Equity Fund -2000 13. SBI Retirement Benefit Fund Aggressive - 6000 14. SBI Small Cap Fund - 2000

Ans: To estimate your approximate corpus after 10 years, we need to consider several factors such as the expected rate of return, the frequency of investment, and the compounding effect. Since you have provided your monthly investments, we can use these to calculate the future value of your investments.

Given the variety of funds in your portfolio and the potential for different rates of return, let's assume an average annual return rate of 10% for the purpose of estimation.

Using this assumed rate of return, the monthly investment amounts, and a time period of 10 years, we can calculate the future value of your investments using a compound interest formula.

However, I would recommend using an SIP calculator available online to get a more accurate estimate based on your specific investments and expected rates of return. These calculators consider factors such as NAV fluctuations and can provide a more tailored projection.

Remember that this is just an estimate, and actual returns may vary based on market performance and other factors. Regularly reviewing and adjusting your investment strategy is crucial to stay on track towards your financial goals.
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  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - May 07, 2024Hindi
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I m 41 yrs old i invest 3000,3000 and 4000 per month in mutual fund nippon india large cap, quant mid cap and tata small cap so after 10yrs will b able to get 1cr? Or approximately how much i will get ater 10yrs?
Ans: Investing is a wise move for securing your financial future. With your disciplined approach, you're already on the right track. By putting aside 3000, 3000, and 4000 rupees monthly into diversified mutual funds, you're laying a solid foundation for wealth creation.

Mutual funds offer the potential for growth over the long term. Your mix of large-cap, mid-cap, and small-cap funds indicates a balanced strategy, tapping into different segments of the market for optimal returns.

However, predicting an exact amount after 10 years is tricky due to market fluctuations. Mutual fund returns are subject to market risks. While aiming for 1 crore is ambitious, it's essential to temper expectations with realism.

Your investment journey is akin to a marathon, not a sprint. Consistency and patience are key. Regular monitoring of your investments and adjusting your strategy as needed will be crucial to stay on course.

As a Certified Financial Planner, I'd advise you to focus not just on the final number but also on the journey itself. Celebrate milestones along the way and stay committed to your financial goals. Remember, financial planning is not just about numbers; it's about securing your dreams and aspirations for the future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 2024

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My age 31 and I have invested on 1- quant small cap fund direct growth plan -4000,2- ICICI prudential commodities fund-4000,3- SBI psu direct growth plan -4000, 4- quant infrastructure -2000, 5- Aditya Birla psu-1000,5-NIPPON INDIA SMALL CAP-2000 , TOTAL AMOUNT INVESTED IN SIP -15000 PER MONTH , THIS INVESTMENT ARE GOOD AND HOW MUCH I WILL GET AFTER 10 YEARS
Ans: Investing in mutual funds is a wise choice for building wealth over time. Your portfolio shows diversification across different sectors, which is commendable. However, let's assess it further.

Your investments in small-cap funds and sector-specific funds indicate an appetite for growth. These funds have potential but come with higher risk due to market volatility.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


SIPs (Systematic Investment Plans) are a disciplined approach, smoothing out market fluctuations. With a monthly investment of ?15,000, you're on the right track towards your financial goals.

In ten years, your investment can grow significantly, but it's crucial to manage expectations. Market performance is unpredictable. Hence, it's wise to periodically review and adjust your portfolio.

Regular monitoring with a Certified Financial Planner ensures alignment with your objectives. They offer personalized advice, optimizing your investments for better returns while mitigating risks.

Avoiding real estate is a prudent decision considering its illiquidity and high upfront costs. Additionally, annuities may not suit your investment strategy due to their limitations and potential fees.

Remember, patience and consistency are key in investment growth. Keep contributing and stay informed about market trends. Your dedication will likely yield fruitful results in the long run.

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

..Read more

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Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2025

Money
I HAVE A BELOW INVESTMENT PRESENTLY STARTED IN 3 MONTHS WANT TO KNOW IF I AM ON WRIGHT TRACK AS I WANT TO BUILD A GOOD AMOUNT OF FUND IN 10 YEARS ICICI PRU BLU CHIP FUND RS 5000 /MONTH SBI INTERNATIONAL ACESS US EQT RS 5000/MONTH MOTILAL OSWAL MIDCAP FUND RS 5000/MONTH QUANT SMALL CAP FUND RS 3000/MONTH EDELWEISS US TECHNO EQUITY FUND 10000/MONTH TATA SMALL CAP FUND RS 10000/MONTH INVESCO INDIA GLOBAL EQUITY INCOME FUND: 3000/MONTH MOTILAL NIFTY MIDCA 150 INDEX FUND RS 5000/MONTH HDFC FLEXI CAP FUND RS 5000/MONTH QUANT FLEXI CAP FUND 2000/MONHT NIPON INDIA LARGE CAP FUND 5000/MONTH
Ans: You started investing just three months ago.

Consistent investing shows strong habit.

That is a commendable beginning.

Portfolio Assessment and Alignment with Goals
You invest across large, mid, small, flexi, and international funds.

That gives wide diversification, which is good.

But many mutual funds overlap in equities.

Overlap reduces diversification benefit and increases risks.

We need to ensure each contribution has a purpose.

Defining Your Investment Goal for 10 Years
You plan to build a ‘good amount’ in ten years.

We need clarity on amount and purpose.

Is it for retirement, education, property down payment or a fund pool?

Define realistic corpus range like Rs 1–2 crore or Rs 50 lakh.

Linking each fund to specific objectives improves tracking.

Role of Active Equity Mutual Funds
You are using actively managed funds.

These funds select promising companies and sectors.

They monitor performance and rebalance portfolios.

Actively managed funds can outperform passively managed ones.

Passive index funds simply track market indices.

They hold all index stocks, even weak ones.

No strategy to replace poor performers quickly.

Active funds allow portfolio adjustments amid risk events.

This extra management adds chance of higher returns.

Index investing offers simplicity but lacks human oversight.

For critical goals, active funds are better.

Avoiding Direct Plans for Better Discipline
You didn’t say ‘direct’ fund, so you may use regular plans.

That is good. CFP-led support brings structure.

Regular funds include advice, review, and behavioral discipline.

Investors using direct funds often leave decisions to emotion.

They may exit during market dips.

Losing discipline can hurt returns significantly.

Regular plans help to rebalance and stay committed.

Deep Dive into Your Funds
1. Large?Cap Focus
Fund A: Large?caps provide stability and core growth.

Fund B: Nippon large?cap also in same equity space.

Two separate large?cap funds causes overlap.

Better to pick one strong manager with good track record.

Keep only one large?cap active fund to reduce duplication.

2. Mid?Cap and Small?Cap Funds
You hold two mid?cap and two small?cap equity funds.

Mid?caps offer growth when economy picks up.

Small?caps bring high returns but also high volatility.

Too many may cause excessive volatility in bear cycles.

Keep one solid quality manager for each category.

Consolidate others or allocate smaller amounts.

3. Flexi?Cap Funds
Two flexi?cap funds add flexibility to shift between caps.

Flexi?cap managers can adapt to market trends.

Again, only one strong flexi?cap fund is enough.

Too many overlap in holdings across market caps.

4. International Equity Funds
SBI International US Equity and Edelweiss US Tech funds are both US exposure.

Global equity helps diversify away from Indian market risk.

But both target US equities; a more diversified global fund could be better.

Two US?oriented funds add more exposure to same country.

Option: keep one US fund and add a global multi?country actively managed fund.

5. Equity Income Fund
This invests in dividend or income generating equities.

Helps provide stability in volatile markets.

Good for medium?term goals and reduces risk.

Maintain this allocation, but keep it modest.

Portfolio Overlap and Risk Management
Many funds hold blue?chip names.

Significant overlaps lead to concentration risk.

Overlap hurts when blue?chips fall.

We need diversification with unique managers.

Consolidate similar funds across each category.

Suggested Simplified Structure:

Large?cap: pick one strong manager for large firms.

Mid?cap: one reliable fund.

Small?cap: one high conviction fund.

Flexi?cap: one flexible fund.

International/global: one global equity fund.

Equity income: maintain as stability anchor.

Asset Allocation Strategy
Use split: 60% equity, 20% international/global, 20% debt (in later years).

Equity portion can be:

25% large?cap

15% mid?cap

10% small?cap

10% flexi?cap

Optional: 5% equity income

International/global: invest 20% to offset India-centric risk.

Debt is for capital protection as you near goal end.

Implementation for 10?Year Horizon
Identify time buckets

Years 1–5: growth stage, higher equity allocation.

Years 6–10: move some equity into debt shifts.

Rebalance annually

Reallocate if any category deviates +-5%.

Move excess from outperformers to laggards.

Use SIPs rather than lumpsum

You’ve chosen monthly SIPs correctly.

Continue to avoid lump sum due to high volatility.

Yearly SIP enhancement

Increase SIP by 10% every year.

This steps up contributions with income.

Taxation Insight for 10?Year Plan
If you sell equity funds before 1 year, STCG taxed at 20%.

After one year, LTCG above Rs 1.25 lakh taxed at 12.5%.

For debt funds, both STCG and LTCG taxed at slab rate.

Long?term holding favours lower tax.

Plan exits after 10 years to avoid short?term tax.

Tax?efficient planning critical for final corpus.

Behaviour & Monitoring Discipline
Check fund performance annually.

Do not monitor daily or react to market noise.

Avoid frequency buying/selling.

Maintain discipline during corrections.

Update your CFP at least once yearly.

Use their review to adjust allocations.

Emergency Buffer and Risk Cover
Maintain 6 months’ living expenses in liquid fund.

This buffer keeps you invested during emergencies.

Life: term insurance to cover liabilities and family needs.

Health: adequate family medical cover.

Avoid investment products masquerading as life insurance.

Surrender Check: LIC or ULIP Policies?
You didn’t mention LIC or ULIP holdings.

If you have any, assess returns vs premium paid.

If returns are poor, surrender and redirect to equity SIPs.

Annual Review Process with CFP
Review entire portfolio each year.

Ask about performance, allocation, and future strategy.

Discuss increase in SIP and emergency buffer.

Rebalance into debt during year 6–8 period.

Why This Simplified Structure Works
Fewer funds mean easier tracking.

Reduces overlap and improves risk?adjusted returns.

Equity income adds stability buffer in volatile markets.

Global exposure offsets India?centric swings.

Flexi?cap adds tactical advantage.

What You Should Do Now
List current fund folios.

Identify duplicates in categories.

Keep one fund each for large, mid, small, flexi, international, equity income.

Redeploy remaining fund allotments into chosen ones.

Gradually stop excess SIPs or redirect future investments.

How to Redeploy Excess Investment
Stop SIPs in duplicate category funds.

Increase allocations in chosen single funds.

Ensure total monthly invested amount remains same.

Gradually channel top?ups into core funds.

Timeline for This Rebalancing
Month 1: Decide on final fund selection.

Month 2: Stop SIP in redundant funds.

Month 3–6: Redirect investments and watch flow.

Month 12: First formal portfolio review.

Long?Term Wealth Creation Outlook
Stay invested in chosen equity funds for full 10 years.

Expect portfolio to deliver significantly higher returns than fixed income.

Maintain discipline through volatility phases.

Your corpus can exceed goal if stays invested.

Continual monitoring with CFP helps catch issues early.

Final Insights
Your current habit is great—keep it up.

Reduce fund overlap to simplify your portfolio.

Active equity funds deliver stronger return potential.

Equity exposure must reduce as goal nears.

Use aligned allocation to meet 10?year goal.

Regular review with Certified Financial Planner is essential.

Emergency buffer and insurance protect your plan.

Stay consistent, review annually, and let time compound returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Nayagam P

Nayagam P P  |9438 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Career
Sir my son got 77377 crl rank in mains and 24k obc ncl rank with homestate rajasthan can he get any college with branch like cse/it/ai/ece Or what about gl bajaj delhi
Ans: Ashish Sir, With an OBC-CL home-state rank of 24 000, admission into core branches at Rajasthan’s MNIT Jaipur and IIIT Kota via CSAB-Special is feasible for certain programmes, while seats at other NITs/IIITs will likely remain out of reach.

At MNIT Jaipur, the Home-State OBC-NCL closing rank for Computer Science & Engineering extended to about 49 000 in CSAB-Special Round 2, making CSE admission virtually assured with your daughter’s rank. However, ECE seats under HS-OBC-NCL closed near 3 400, and AI/Data Science around 6 800, both well below 24 000, so these branches are not attainable at MNIT Jaipur.

IIIT Kota, as a Rajasthan campus, offers Home-State HS-OBC-NCL seats in CSE closing near 67 000, Artificial Intelligence & Data Engineering near 10 500, and ECE close around 12 600, all of which comfortably cover an OBC-NCL rank of 24 000, making these programmes strong targets in CSAB-Special.

Beyond these, other NITs in non-home-state quotas (e.g., NIT Calicut, NIT Uttarakhand) and peripheral IIITs may fill seats well below 24 000 under OS-OBC-NCL quotas, but they will not benefit from Home-State priority. Government-Funded Technical Institutes like PEC Chandigarh and MIET Jhansi admit CSE/ECE under OBC-NCL up to ranks of 40 000–70 000, offering additional assured pathways. GL Bajaj Delhi, as a private institution, participates in state or university counselling (e.g., JAC Delhi), not CSAB, and hence is not an option in this process.

Recommendation
Prioritise Computer Science & Engineering at MNIT Jaipur under HS-OBC-NCL for its assured cutoff. Simultaneously apply to IIIT Kota’s CSE and AI/DE programmes under HS-OBC-NCL for guaranteed admission. As backups within CSAB, list IIIT Kota ECE and GFTIs like PEC Chandigarh for core-branch seats under OBC-NCL quotas. However, have some Private Engineering Colleges as back-ups with son's JEE Score instead of relying only on CSAB. All the BEST for a Prosperous Future!

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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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