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Ramalingam

Ramalingam Kalirajan  |60 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2023

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
Dillip Question by Dillip on Apr 07, 2023Translate
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Hallo Sir, I am 44 years old a salary person and invest in MF last 4 years and NPS in last 2 years and getting good return. last 6 months I am starting invest in shares market but loosing money in regular basis. Please suggest

Ans: Investing in direct shares needs time and expertise. Either you need to learn a lot and slowly build a direct stock portfolio or focus only on mutual funds.

Mutual funds can give inflation-beating returns to meet 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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Hardik Parikh  |106 Answers  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 07, 2023

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Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj
Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,
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My name is Sooriya, and I am writing to seek your guidance on a multifaceted set of goals I am committed to achieving in the coming years. I am currently 31 years old, standing at a height of 175 cm and weighing 89 kg. Over the past few years, I have actively engaged in a daily fitness routine, incorporating brisk walking and other exercises to address my weight management goals. Despite a successful reduction from 110 to 82 kg in the past, recent circumstances led to a weight gain, and I am determined to attain a weight of 70 kg or below. While personal constraints prevent me from joining a gym, I have dedicated an additional hour to my daily exercise routine. However, one of my challenges lies in frequent consumption of meals outside, even though I practice moderation. I would greatly appreciate any insights or recommendations you may have to help me effectively address this issue and achieve my weight loss objective. Additionally, I face the challenge of managing ADHD. Although I am currently on medication, progress has been limited. My goal is to overcome ADHD without medication, and any guidance or strategies you could provide in this regard would be invaluable. On the professional front, I am committed to excelling in my job, considering the responsibility of taking care of aging parents with a limited salary. I aim to become proficient in Carnatic music, having dedicated 20 years to the art and completed a diploma in first class. Simultaneously, I am learning German with the goal of clearing the A1 level. In the broader scope, my aspirations include becoming a pro in my job, achieving proficiency in German, excelling in Carnatic music concerts, and obtaining an additional PG degree. Furthermore, I am resolute in settling down, reducing my weight to 70 kg, and ensuring overall fitness by the age of 33. I acknowledge struggles with focus, procrastination, and a lack of proactiveness in my work, and I am actively seeking guidance to overcome these challenges. Your insights and recommendations would be highly valued as I embark on this journey towards personal and professional development. I appreciate your time and consideration.
Ans: It is good that you know yourself - both positives and your limitations. Everything is possible if you keep a balanced mind, along with your zeal - this way you can focus your energies in the right place. Therefore, to control the mind - meditation is key. I suggest you explore some of the Vipasana kendras near your residence. Be careful of misleading online videos and search for a good yoga/ vipasana teacher.
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Ashwini Dasgupta  |52 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Feb 29, 2024

Asked by Anonymous - Feb 28, 2024Translate
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Hello, I am a supply chain professional having 8 years of logistics experience in the core operations domain working as Associate manager.For quite a long time I have been looking for a job change as in the current organisation I am not getting anything fascinating to move further.in the current organisation I have been working for 5 years and promoted 2 times. Not getting of any better opportunity to boost my career thereby to enhance my skills has become the reason for a poor mental health now a days. Pls suggest me something that can lead to postive approach for a better way out. Thanks.
Ans: Hi Sir/ Madam,

Always changing a job may not be the solution.
Firstly have a conversation with your manager and voice out your aspiration and what will keep you motivate.
List out the kind of courses or trainings you may want to pursue to enhance your professional experience. And see if these trainings are done internally or if yes take up those trainings and if it externally you can decide accordingly. This will help you learn a new skills and drift your thought of been dis motivated. Mostly importantly learning a new will only do good for your career opportunity.
If incase there are no roles within the team then you may look for within organizational roles to meet your ask.
Do some research how the industry is trending this will help you more equipped when you those conversations with your manager.

Hope this helps. All the best

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Ashwini Dasgupta
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Hi My name is sai prasad aged 53 years and recently i attempted suicide and gracefully survieved. As my spouse is having suspection that I have illegal connection with other ladies, which I explained so many times that i do not have any illegal contacts. But recently she behaved in different manner and we both went to urology doctor to remove my genetic organs. But doctor has denied and told that it is illegal and it is not possible. From that instance she is behaving strangely and she forcefully made me to pour hot water on my genetic organ and in this instance my genetic organs has burnt little bit. Before that she has damaged my right hand with her bangle which I undergone for 5 stitches and it took more than 2 months to cure. Still my right hand is not in good condition. On 7th of this month i have consumed alprozalam 50 tables and later on i was there in ICU for 3 days and survived. But I am not happy with her. She morning to bed time she use to abuse me that you have illegal contacts and in this instance i am diverting my income to other women. Need suggestion on my case. Thanks. Sai Prasad
Ans: Dear Sai,
It is really unfortunate what you have been going through. What you are facing is abuse at home...
Please don not experiment with destroying your reproductive organs; the damage can be irreversible and worse you will be fighting a long infection caused by injuries.
If your wife suspects you; either she has her reasons OR she just is a person who cannot trust.
1. Firstly, move out of the house for a few weeks at least so that you can heal mentally and physically
2. If you feel that this marriage might work after all this drama, then kindly go for couples therapy and individual therapy as well
3. If you feel that things are over, proceed 'gracefully' through legal means

BUT do not allow this abuse to continue; the reason I suggested that you move out and not ask your wife to move out is, so that she does not turn the situation around and claim cruelty by you.
Take charge of yourself and NOW; your life is important and it counts. So, live and live 'gracefully'...I am sure your loved ones would want that!

All the best!
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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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