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Nikunj

Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Nov 30, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Kevin Question by Kevin on Nov 30, 2022Hindi
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Hello Sir, I am 31 years old and just started my investments 3 months back (SIP) and in the beginning I invested the following amounts in the below mutual funds and the total investments as of now are:

1) Quant Multi Asset Fund - 4000
2) Quant Absolute Fund - 4000
3) Edelweiss Balanced Advantage Fund - 4000
4) ICICI Prudential Balanced Advantage Fund - 4000
5) ICICI Prudential Medium Term Bond Fund - 4000
6) Aditya Birla Sun Life Digital India Fund - 3500
7) Tata Digital India Fund - 3500
8) ICICI Prudential Technology Fund - 3500
9) Axis Strategic Bond Fund - 3000

After reevaluating my above investments I realised that this is not the correct mix and as a result I am going to modify my portfolio with the following changes. My investments are for a long time as I need to accumulate wealth.

ELSS --> Quant Tax Plan Direct Growth - 10000
Flexi Cap --> Quant Flexi Cap Direct Growth - 5000
Mid Cap -- PGIM India Midcap Opportunities Direct Growth - 5000
ETMoney Genius -- > 5000

Apart from above I am also investing in US stocks with an amount of 2000 per month

Please let me know if my above investments are appropriate or not and if there is any rebalancing or changes that needs to be made. Also I am planning to buy a house in the next 2-3 years so considering that I would need to make a down payment (20 - 25 Lakh) what all will be the changes required?

Ans: Hello Kevin Paulson. Your modified portfolio is finely chosen as per the market. Furthermore, I would advice to continue with Edelweiss &ICICI Prudential Balanced Advantage Fund sips as your goal in near future.

To achieve a goal of 20-25 lakh in 3 years, I would suggest increasing your sip to Rs 50,000. 

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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Ulhas

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Mutual Fund Expert - Answered on Aug 13, 2024

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My name is Ravi Verma, and I'm a 37-year-old investor. I have been investing in the following mutual funds for the past year, with a monthly investment amount ranging between 60k-90k. I plan to continue these investments for the next 9 years, aiming to reach a goal of 1 crore+. Could you please review my portfolio and advise if any changes are required or if it's good to continue as is? Current SIPs (?8k-10k per month each): HSBC Small Cap Fund - Direct Plan - Growth Aditya Birla Sun Life PSU Equity Fund - Direct Plan - Growth HDFC Small Cap Fund - Direct Plan - Growth Quant Small Cap Fund - Direct Plan - Growth HDFC Balanced Advantage Fund - Direct Plan - Growth SBI Contra Fund - Direct Plan - Growth Nippon India Growth Fund - Direct Plan - Growth Quant ELSS Tax Saver Fund - Direct Plan - Growth HDFC Retirement Savings Fund - Equity - Direct Plan - Growth Equity - Index Fund: Tata Nifty Midcap 150 Momentum 50 Index Fund - Direct Plan - IDCW Groww Nifty Smallcap 250 Index Fund - Direct Plan - Growth Quant Multi Asset Fund - Direct Plan - Growth I don't have much knowledge in mutual funds; I chose these based on their past returns. I'm concerned about whether I'm on the right track or if any adjustments are necessary. Thank you for your guidance. Best regards, Ravi Verma
Ans: Hello Ravi & thanks for writing to me.

I see too many funds in your portfolio, which I believe can dilute your returns.

Given your age & objective, you may want to reconsider your investments in the Balanced Advantage Funds & Multi Asset Funds & instead start allocating to a multi cap fund.

I also notice investments in a PSU Equity Fund. While the PSU funds have given good returns recently, as thematic funds, you must not have a large chunk of your portfolio in them. Investing in thematic funds can generate alpha but thematic funds can also underperform.

If you can provide a percentage breakup of the investments, I may make other recommendations.

..Read more

Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

Asked by Anonymous - Feb 23, 2025Hindi
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I am reaching out to seek your guidance on my current investment portfolio. Below are the details: **Personal Details:** - Age: 27 years _ From :- Pune - Investment Horizon: Minimum 7 years - Risk Appetite: Moderate **Current Holdings:** 1. UTI Nifty 50 Mutual Fund: ₹2.5 Lakhs 2. Parag Parikh Flexi Cap Fund: ₹2.5 Lakhs 3. Fixed Deposit: ₹15 Lakhs (for marriage in the next 1 year) **Current Mutual Fund Portfolio (Monthly SIPs of ₹1 Lakh):** 1. Large Cap (UTI Nifty 50 Index): ₹10,000 2. Large & Mid Cap (UTI Nifty Next 50 Index): ₹10,000 3. Flexi Cap (Parag Parikh Flexi Cap): ₹20,000 4. Mid Cap (Kotak Emerging Equity): ₹15,000 5. Small Cap (Tata Small Cap): ₹10,000 6. Motilal Oswal Nasdaq 100 ETF: ₹5,000 7. ICICI Gold ETF: ₹8,000 8. Parag Parikh Conservative Hybrid Fund: ₹10,000 9. PPF: ₹5,000 10. NPS: ₹7,000 **Financial Goal:** To accumulate a corpus of ₹1 crore in the next 6-7 years. I would appreciate it if you could review my portfolio and provide any advice or suggestions to optimize it for achieving my goal. Additionally, please let me know if any adjustments are needed in terms of asset allocation, fund selection, or risk management.
Ans: I appreciate your effort in building a structured investment portfolio. You have a good mix of asset classes. However, some refinements can improve returns and risk management.

Key Observations
You have a strong SIP commitment of Rs 1 lakh per month.

Your investment horizon is 7 years, which is medium-term.

Your risk appetite is moderate, but some holdings may not align.

Index funds and ETFs may limit your portfolio’s growth potential.

Issues in Your Current Portfolio
1. Over-Reliance on Index Funds
Index funds provide average market returns.

Actively managed funds can outperform in a 7-year horizon.

Index funds limit downside protection in volatile markets.

2. High Exposure to International Markets
Investing in global ETFs increases currency risk.

Your portfolio already has enough diversification within India.

Removing international exposure can simplify taxation.

3. Overlap in Large-Cap Allocation
Large-cap index funds and flexi-cap funds create redundancy.

A better option is an actively managed large-cap fund.

4. Conservative Hybrid Fund Allocation
Hybrid funds are good for capital preservation, but not for growth.

Your investment horizon is long enough for a pure equity approach.

Reducing this allocation can improve overall returns.

Recommended Portfolio Adjustments
1. Replace Index Funds with Actively Managed Funds
Actively managed funds have historically outperformed index funds.

A well-managed large-cap and large & mid-cap fund will be better.

2. Reduce International Exposure
Exit from the international ETF.

Keep investments in strong Indian equity funds.

3. Optimise Large-Cap and Flexi-Cap Allocation
Replace index-based large-cap funds with top-performing active funds.

Continue flexi-cap investment but monitor fund performance.

4. Increase Mid-Cap and Small-Cap Allocation
Mid-cap and small-cap funds offer higher growth potential.

Increase allocation based on risk comfort.

5. Exit Hybrid Funds for Higher Growth
Shift hybrid fund allocation to mid-cap or flexi-cap funds.

This will ensure better long-term returns.

Suggested New SIP Allocation
Large-Cap Fund: Rs 10,000 (actively managed)

Large & Mid-Cap Fund: Rs 10,000 (actively managed)

Flexi-Cap Fund: Rs 25,000

Mid-Cap Fund: Rs 20,000

Small-Cap Fund: Rs 15,000

Gold ETF: Rs 5,000 (optional for diversification)

PPF and NPS: Continue existing contributions

This new allocation ensures higher growth while managing risk.

Final Insights
Replace index funds with actively managed funds.

Reduce international exposure to avoid currency risks.

Shift hybrid allocation to growth-focused funds.

Increase mid-cap and small-cap exposure for better returns.

Continue PPF and NPS as stable long-term investments.

This approach will improve returns while keeping risk moderate.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

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Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi
Career
My son has got B.Tech core CSE in both VIT vellore (category 5) and PES university, Electronic City campus. We are based in Bangalore. Please suggest which is a better option?
Ans: VIT Vellore offers a well-established Computer Science and Engineering program with a broad campus, strong infrastructure, and consistent placement rates around 60-65%. The average package is approximately ?9.9 LPA, with top recruiters like Microsoft, Amazon, and Apple, reflecting its robust industry connections and global brand recognition. PES University, located in Bangalore’s Electronic City, benefits from proximity to major IT hubs and offers a competitive Computer Science program with a median placement package around ?8 to ?9 LPA and placement rates near 70-80%. PES has a modern campus, reputed faculty, and strong industry collaborations, especially valuable for local internships and networking opportunities.

Recommendation: Prioritize PES University for its Bangalore location, closer industry links, and higher placement rate, which favor practical exposure and career networking. Choose VIT Vellore for its brand prestige, larger campus, and internationally recognized curriculum. Your decision should balance local engagement advantages at PES with the extensive reputation and infrastructure strengths of VIT. This alignment will optimize your son's academic and career trajectory based on his personal preferences and future goals. My suggestion: Based on location & fees, prefer PES-EC-CSE. However, he should consistently maintain a strong CGPA and continuously enhance his skills through his fourth year to remain competitive with CSE peers both at the Electronic City campus and the RR (Banashankari) campus of PES for Campus Placement. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10169 Answers  |Ask -

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Sir I'm confused between Pillai New Panvel and Sies for electronics and computer science course that which is better actually I am interested in cs it but I don't have great percentage i have scored 87 in diploma so for dse which college should I prefer according to placement?
Ans: Sanjana, Pillai College of Engineering (PCE) New Panvel offers a robust Electronics & Computer Science program with specialized tracks in AI, ML, IoT, Robotics, and Cloud Computing. It has commendable infrastructure, a research focus, and around 70–80% placement rates, with median packages near ?4.4 LPA and top recruiters including Reliance and Capgemini. The curriculum integrates both electronics and computing fundamentals, preparing students for diverse tech roles. SIES Graduate School of Technology, Mumbai provides a similarly comprehensive Electronics and Computer Science course with strong infrastructure but a smaller intake. It reports a higher placement rate around 90%, average packages near ?8 LPA, and recruiters like TCS, Infosys, and Reliance. While SIES offers a slightly better placement performance and higher average packages, PCE balances good placement statistics with a broader specialization and research opportunities. Both colleges maintain qualified faculty and industry ties, but SIES's higher placement record may better suit students aiming for IT-centric careers.

Recommendation: Prefer SIES Graduate School of Technology for Electronics and Computer Science for stronger placement outcomes and average packages aligned with IT career goals. Consider Pillai College of Engineering for its diverse technical specializations and solid placements if broader tech exposure and research are priorities. Align the choice with your career focus between IT-intensive roles (SIES) and combined electronics-computer science expertise (PCE). All the BEST for a Prosperous Future!

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Asked by Anonymous - Aug 11, 2025Hindi
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Recommendation: Amity University Noida is a credible choice for B.Tech CSE with strong infrastructure, qualified faculty, and active placement support. It suits students aiming for solid industry exposure and campus recruitment in reputed IT companies while benefiting from an expansive campus and diverse academic resources aligned with current industry demands. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Aug 11, 2025

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Kiit cse or muj cse
Ans: KIIT School of Computer Engineering in Bhubaneswar is a highly reputed private institute with robust placements, offering around 90% placement rate and an average package near INR 8.5 LPA in 2023. It attracts over 3800 job offers annually from top recruiters like Microsoft, TCS, and Reliance, supported by strong academic infrastructure, experienced faculty, and active research and innovation culture. Manipal University Jaipur’s CSE program also delivers strong placement outcomes with about 93% placement rate and an average package of INR 9 LPA in 2023, hosting recruiters like Amazon, Deloitte, and KPMG. It benefits from a modern campus, specialized electives in emerging tech areas, and good industry collaborations. KIIT has a higher NIRF ranking and larger placement scale, but MUJ boasts a slightly higher average package and lower fee structure with the advantage of Jaipur location.

Recommendation: Prefer KIIT CSE if campus prestige, higher placement volume, and broader alumni network are priorities, alongside quality academic resources and top-tier recruitment. Choose MUJ CSE for a strong placement environment with slightly better average packages, affordable fees, and a preferred location in Jaipur. Align the choice with your location preference, fee affordability, and career aspirations for an optimal balance of reputation and return on investment. 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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