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How can I grow my 10 lakhs to crores with a reliable mutual fund?

Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 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
Mantha Question by Mantha on Jul 16, 2024Hindi
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Hai sir I am mr kashyap of aged 30 I am having 10 lakhs please suggest me a better mutual fund for better return in crores

Ans: It's important to set clear financial goals. Understand your risk tolerance before investing. As a young investor, you can take higher risks for higher returns. Aim for a diversified portfolio to balance risk and return.

Benefits of Actively Managed Funds
Actively managed funds offer better potential for higher returns. Professional fund managers select stocks based on research. This can outperform index funds, which just track the market. Actively managed funds are ideal for those seeking higher returns over the long term.

Importance of Diversification
Diversification spreads risk across different assets. Invest in a mix of equity, debt, and sector funds. This reduces the impact of any single investment's poor performance.

Benefits of Regular Funds
Regular funds come with the expertise of a Certified Financial Planner (CFP). CFPs provide personalized advice and regular monitoring of your investments. This ensures your portfolio remains aligned with your goals. Regular funds often perform better due to professional guidance.

Recommended Fund Types
Equity Funds: Suitable for long-term growth. Invest in large, mid, and small-cap funds.

Debt Funds: Provide stability and lower risk. Ideal for short to medium-term goals.

Sector Funds: Focus on specific sectors like technology or healthcare. High risk but high potential returns.

Systematic Investment Plan (SIP)
Consider starting a SIP with your Rs. 10 lakhs. SIPs allow you to invest a fixed amount regularly. This reduces the risk of market volatility. It's a disciplined approach to wealth creation.

Monitoring and Rebalancing
Regularly review and rebalance your portfolio. This keeps your investments aligned with your goals. Rebalancing helps maintain the desired level of risk.

Professional Guidance
Seek advice from a Certified Financial Planner (CFP). They can provide tailored investment strategies. Professional guidance helps you achieve your financial goals efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

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Hi I am Raju From Hyderabad, Age 31 I want invest 10k in Mutual funds But I Don't know which is best for me I have a child just one year old I will take some risk but need high returns kindly suggest good Mutual funds Thank you
Ans: Tailored Mutual Fund Recommendations for Raju

Understanding Your Financial Goals and Risk Appetite

Raju, it's great to hear that you're planning to invest in mutual funds for your child's future. At 31, with a long investment horizon ahead, you can afford to take some risk in pursuit of potentially higher returns. However, it's crucial to align your investment choices with your financial goals and risk tolerance.

Recommendations Based on Your Profile

Considering your desire for high returns and willingness to take on some risk, here are some mutual fund categories you may consider:

Large Cap Funds: These funds invest in well-established, large companies with stable track records. While they offer relatively lower risk compared to other categories, they still have potential for growth over the long term. Look for funds with a proven history of consistent performance.

Mid Cap Funds: Mid-cap companies have the potential for rapid growth, offering higher returns compared to large caps but with increased volatility. Given your risk appetite, allocating a portion of your investment to mid-cap funds can be beneficial for potential wealth creation.

Multi-Cap Funds: These funds invest across companies of various market capitalizations, offering diversification and flexibility. They can adapt to changing market conditions and capitalize on opportunities across different sectors.

Balanced Funds: If you prefer a balanced approach with exposure to both equity and debt, balanced funds can be a suitable option. These funds invest in a mix of stocks and bonds, offering potentially higher returns than pure debt funds with relatively lower volatility.

Final Advice

Before making any investment decisions, it's essential to conduct thorough research and consult with a Certified Financial Planner (CFP) who can provide personalized advice based on your financial situation, goals, and risk tolerance. Additionally, consider investing through a Systematic Investment Plan (SIP) to benefit from rupee cost averaging and mitigate market volatility.

Remember, investing is a long-term commitment, and staying disciplined during market fluctuations is key to achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 16, 2024Hindi
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I am Sanjit Kumar das I want to invest 10k/m in good mutual fund please suggest me
Ans: Investing Rs 10,000 Per Month in Mutual Funds
Choosing the Right Mutual Fund

Define Goals: Identify your investment goals, whether it's for short-term needs or long-term wealth creation.
Risk Tolerance: Determine your risk tolerance, as it will guide you in choosing the right type of mutual fund.
Types of Mutual Funds

Equity Mutual Funds: Suitable for long-term growth. These invest primarily in stocks.
Debt Mutual Funds: Focus on fixed-income securities. Lower risk compared to equity funds.
Balanced Funds: Invest in a mix of equity and debt. Suitable for moderate risk tolerance.
Recommended Mutual Fund Categories

Large-Cap Funds: Invest in well-established companies. Provide stability and moderate growth.
Mid-Cap Funds: Invest in medium-sized companies. Higher growth potential with increased risk.
Small-Cap Funds: Focus on smaller companies. High growth potential but more volatile.
Hybrid Funds: Combine equity and debt investments. Balances risk and return.
Investing Through SIP

Systematic Investment Plan (SIP): Allows you to invest a fixed amount monthly. Encourages disciplined investing.
Benefits of SIP: Provides rupee cost averaging and helps in managing market volatility.
Mutual Fund Platforms

Direct Plans: Lower expense ratios. Invest directly with the fund house.
Regular Plans: Available through mutual fund distributors or financial planners. May have higher expense ratios.
Recommended Mutual Fund Types

For Long-Term Growth: Consider a mix of large-cap, mid-cap, and balanced funds for diversified growth.
For Stability: Debt or hybrid funds can offer more stability and steady returns.
Final Insights
Start with Research: Choose funds with a strong track record and a well-managed portfolio.
Monitor Performance: Regularly review the performance and suitability of your chosen mutual funds.
Consultation: If needed, consult with a Certified Financial Planner to tailor the investment according to your specific needs.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |10854 Answers  |Ask -

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Career
Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Dr Dipankar

Dr Dipankar Dutta  |1840 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
Career
Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

...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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