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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 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
Mahendra Question by Mahendra on Apr 23, 2024Hindi
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Recently I got Double salary so can I double my SIP in Mutual Funds

Ans: It's great news that you received double salary recently! Doubling your SIP in mutual funds is certainly an option worth considering. Here's some advice to help you make an informed decision:
• Firstly, congratulations on your increased income! It's a testament to your hard work and dedication.
• Increasing your SIP amount can be a smart move to accelerate your wealth-building journey, especially during times of surplus income.
• Before doubling your SIP, take a moment to review your overall financial situation and goals. Ensure that you have an emergency fund in place to cover unexpected expenses.
• Consider your long-term financial goals, such as retirement, children's education, or buying a home. Doubling your SIP can help you reach these goals faster.
• Evaluate your current expenses and commitments to ensure that doubling your SIP won't strain your finances. It's essential to strike a balance between saving and enjoying your increased income.
• While doubling your SIP can boost your investment portfolio, make sure you're investing in the right mutual funds. Active funds managed by experienced fund managers can potentially offer higher returns than passive index funds.
• Opt for regular funds instead of direct funds, as they provide the support of a Mutual Fund Distributor (MFD). An MFD can offer personalized advice and guidance tailored to your financial situation and goals.
• Avoid digital platforms for investing if you prefer a more hands-on approach with professional assistance. Investing through regular funds with the support of an MFD ensures that you have someone to turn to for guidance and assistance.
• Keep in mind that investing in mutual funds carries inherent risks, and past performance is not indicative of future results. Diversification across asset classes and regular review of your investment portfolio are essential for long-term success.
• Lastly, remember that financial planning is a journey, not a destination. Stay committed to your financial goals, stay informed about market trends, and adjust your investment strategy as needed.
In conclusion, doubling your SIP in mutual funds can be a prudent decision to accelerate your wealth-building journey, but it's crucial to assess your financial situation, goals, and risk tolerance before making any changes. With the support of an experienced Mutual Fund Distributor, you can navigate the complexities of investing and work towards achieving your financial aspirations.
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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Hardik

Hardik Parikh  | Answer  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 23, 2023

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Presently I am investing SIP of Rs. 1500/- p.m. in Nippon Mutual Fund, earlier it was Reliance. This SIP is in Growth Mutual fund. Is it ok to continue or I can invest same amount of SIP in another Mutual Fund. Please guide. PRASHANT KULKARNI, PUNE
Ans: Dear Prashant,

Thank you for reaching out with your query. I understand you're currently investing Rs. 1500 per month in a SIP with Nippon Mutual Fund (previously Reliance), and you're seeking guidance on whether to continue with the same or consider another mutual fund.

As a financial advisor, my advice to you would be to first assess your financial goals, investment horizon, and risk appetite. These factors will help you make a more informed decision about your investments. Since you've mentioned that the current investment is in a growth mutual fund, it's likely that this fund is focused on capital appreciation by investing primarily in equity stocks.

To determine whether you should continue with your current SIP, consider the following:

Fund performance: Analyze the past performance of the Nippon Mutual Fund you're invested in by comparing it to benchmark indices and peer funds in the same category. A consistent track record of outperforming its benchmark and peers could indicate that the fund is being managed well.
Fund manager's experience and strategy: Look into the fund manager's experience and investment strategy. A fund manager with a successful track record and a strategy that aligns with your investment goals can be a positive sign.
Diversification: It's always a good idea to diversify your investments across various sectors and fund houses. If the Nippon Mutual Fund is your only investment, you may want to consider adding another mutual fund from a different fund house to your portfolio. This will help in spreading the risk and potentially enhancing returns.
Costs: Evaluate the expense ratio of your current fund and compare it to other funds in the same category. A lower expense ratio can result in higher returns over time.
If, after considering these factors, you find that your current mutual fund aligns well with your financial goals, investment horizon, and risk appetite, you may continue with the SIP. However, if you feel that there's room for improvement, you may consider exploring other mutual funds that better suit your requirements.

Please remember that past performance is not a guarantee for future returns, and it's always important to review your investments periodically to ensure they remain aligned with your financial objectives.

I hope this helps, Prashant.

Best regards,

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 02, 2024Hindi
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Hi I am 25 years old with a salary of 90k in hand, out of which I invest 40k in GPF, and 30k in mutual funds (which I started this month, earlier I used to put lumpsum - so total mutual fund is 1.3L) . Shall I decrease my GPF amount and increase the sip amount?.
Ans: You're making excellent strides in investing at such a young age. Let's explore whether adjusting your allocations between GPF and SIPs is beneficial for your financial journey.

Compliments and Understanding
Congratulations on your proactive approach to financial planning at just 25! It's commendable how you're prioritizing savings and investments early on in your career.

Assessing Your Current Strategy
You're currently allocating ?40k to GPF and ?30k to SIPs monthly, along with existing mutual fund investments of ?1.3 lakhs. Let's evaluate if adjusting these allocations could optimize your investment strategy.

Evaluating GPF vs. SIP
GPF (General Provident Fund)
Stability: GPF offers a stable and secure avenue for retirement savings, with guaranteed returns.

Tax Benefits: Contributions to GPF are eligible for tax deductions under Section 80C of the Income Tax Act.

Liquidity: GPF contributions are relatively illiquid, with limited withdrawal options until retirement.

SIP (Systematic Investment Plan)
Market Exposure: SIPs provide exposure to equity markets, offering the potential for higher returns over the long term.

Diversification: SIPs allow for diversification across different mutual funds, spreading risk.

Flexibility: SIPs offer flexibility in investment amounts and can be adjusted based on financial goals and market conditions.

Considerations for Adjustment
Risk Tolerance
Given your age and time horizon, you have the advantage of a longer investment horizon, allowing you to take on higher risk for potentially higher returns.

Financial Goals
Consider your short-term and long-term financial goals. If your primary objective is wealth accumulation for the long term, a higher allocation to SIPs may align better with this goal.

Proposed Adjustment
Decrease GPF, Increase SIP
Considering your age and long-term investment horizon, decreasing your GPF contribution slightly and increasing your SIP amount could be advantageous.

Benefits of Increased SIP
Higher Growth Potential: Increased SIP contributions can potentially boost wealth accumulation over time, leveraging the power of compounding.

Diversification: SIPs allow for diversification across different asset classes, reducing concentration risk.

Alignment with Goals: Aligning your investment strategy with long-term goals like wealth accumulation and retirement planning.

Monitoring and Review
Regularly review your investment strategy and adjust allocations as needed based on changing financial goals, market conditions, and risk tolerance.

Conclusion
Adjusting your allocations by decreasing GPF contributions and increasing SIP amounts can potentially optimize your investment strategy, considering your age, risk tolerance, and long-term financial goals. Consulting a Certified Financial Planner can provide personalized recommendations tailored to your specific circumstances.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Can I increase my pf contribution it is advisable?? Or can I know invest in SIP??
Ans: Enhancing Retirement Savings: Assessing PF Contribution and SIP Investments
Your inquiry regarding increasing PF contributions or investing in SIPs reflects a proactive approach towards strengthening your retirement savings. Let's evaluate both options to determine the most suitable course of action aligned with your financial goals and risk tolerance.

Assessing PF Contribution Increase
Benefits of Increasing PF Contribution: Increasing your PF contribution offers several advantages, including tax benefits, employer matching contributions (if applicable), and long-term wealth accumulation in a tax-efficient manner.

Considerations: However, before increasing your PF contribution, evaluate your current financial commitments, liquidity needs, and overall retirement savings strategy. Assess whether the additional contribution aligns with your short-term and long-term financial objectives.

Impact on Cash Flow: Increasing PF contributions may reduce your take-home salary, impacting your monthly cash flow. Ensure you have sufficient liquidity for immediate expenses and emergencies before committing to higher PF contributions.

Exploring SIP Investments
Benefits of SIPs: Systematic Investment Plans (SIPs) offer a disciplined approach to investing in mutual funds, allowing you to invest small amounts regularly over time. SIPs provide the benefit of rupee cost averaging and the potential for long-term wealth accumulation.

Flexibility and Diversification: SIPs offer flexibility in investment amount and frequency, making them suitable for investors with varying financial capacities. Additionally, investing in SIPs allows you to diversify your portfolio across different asset classes and investment styles.

Risk and Return Profile: Consider your risk tolerance and investment horizon when selecting SIPs. Equity-oriented SIPs offer higher growth potential but come with increased volatility, while debt-oriented SIPs provide stability but may offer lower returns.

Making an Informed Decision
Evaluate your financial goals, risk tolerance, and investment horizon before deciding whether to increase PF contributions or invest in SIPs. Consider consulting with a Certified Financial Planner (CFP) to assess your overall financial situation and develop a tailored retirement savings strategy.

Conclusion
Both increasing PF contributions and investing in SIPs offer opportunities to enhance your retirement savings. Assess the impact on your cash flow, risk-return profile, and alignment with your financial goals before making a decision. Remember to prioritize long-term financial security and consult with a financial advisor for personalized guidance.

Best Regards,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

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Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...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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