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Ramalingam

Ramalingam Kalirajan  |9848 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
Prathap Question by Prathap on Apr 27, 2023Hindi
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Hello, please advise. I want to create of corpus of 5 crores in 5 years, the value of my current portfolio is 50 lakhs. I am 44 years. My monthly SIP is around 2.25 lakhs. Rs. 1.25 lakhs in Franklin India US opps fund, Smaller companies, Tech fund, Axis Bluechip and small cap, Mirae Asset Blue chip, Canara Robeco Equity hybrid, Motilal Nasdaq 100 FOF, Parag Parikh long term equity. Started another Rs. 1 lakh last month in ICICI Prudential Mutual bank, DSP, Franklin India smaller companies, Kotak Emerging Equity, HDFC Flexi, HDFC Smaller Cap, Tata Digital India Fund. Please advise.

Ans: It's commendable that you're focused on building a significant corpus in a relatively short period. However, aiming for a corpus of 5 crores in just 5 years is an ambitious goal and may require a carefully crafted strategy and potentially higher investments.

Here are some considerations:

Investment Amount: Given your current portfolio value of 50 lakhs and monthly SIP of 2.25 lakhs, you may need to increase your investment amount to achieve your target. Consider whether it's feasible to increase your SIP amount or allocate additional lump sum investments.
Risk and Return: With a relatively short investment horizon, it's crucial to strike a balance between risk and return. Evaluate the risk profile of your investments and ensure they align with your risk tolerance and goals.
Diversification: Review the diversification of your portfolio across different asset classes, sectors, and market capitalizations. Consider diversifying further if needed to reduce concentration risk.
Regular Review: Given the short time frame, regularly monitor the performance of your investments and adjust your strategy as needed. Be prepared to make tactical changes based on market conditions and evolving financial goals.
Professional Advice: Consider consulting with a certified financial planner or advisor who can provide personalized guidance based on your financial situation, goals, and risk profile.
Remember, achieving such a substantial corpus in a short period requires disciplined savings, prudent investing, and realistic expectations. While it's essential to aim high, it's also crucial to maintain a realistic perspective and adapt your strategy as needed along the way.
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  |9848 Answers  |Ask -

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

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I need to create corpus of 5 crores in 10 years. im currently investigating of 46500 past one year. i have following mutual fund in my portfolio Hdfc sensex index 20k pgim midcap 3k motilal midcap index 3k sbi next 50 index 1k motilal micro index 46 icici prudential technology 1k quant small cap 7k parakpari flexi cap 5k axis small 2k. im private employee and earning of 140000 per month. so please provide suitable answer which created 5cr in 10 years also i have lic of 50k per year,ppf of 50k per year and nps 5k every month. my current age is 34
Ans: Creating a corpus of 5 crores in 10 years is an ambitious goal, but with careful planning and strategic investments, it's achievable. Your current investment portfolio and savings habits provide a solid foundation for reaching this milestone.

Given your age of 34 and the 10-year time horizon, we'll need to focus on a growth-oriented investment strategy while ensuring diversification and risk management.

Let's start by optimizing your mutual fund portfolio. While you have a diversified mix of funds, we may need to make some adjustments to align with your goal. Consider increasing allocations to high-growth potential funds like mid-cap and small-cap funds, which historically have outperformed broader market indices.

Regularly review your portfolio to monitor performance and make necessary adjustments based on market conditions and your evolving financial goals.

Additionally, continue your disciplined approach towards savings. Your LIC, PPF, and NPS contributions provide stability and long-term growth opportunities. Ensure you maximize contributions to these instruments within permissible limits to harness their full potential for wealth accumulation.

Remember to stay patient and committed to your financial plan. Building a significant corpus requires time and consistency. As a Certified Financial Planner, I'm here to guide you every step of the way and help you navigate through market fluctuations and uncertainties.

With determination and strategic financial planning, you can achieve your goal of creating a 5 crore corpus in 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

Asked by Anonymous - May 05, 2024Hindi
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Hi sir, I am 33.5 years old and want to built a corpus of 5 crore by the age of 40. My current investment are: Mutual funds - 37 lac Fixed deposits of around 50 lac PPF - 25 lac Gold and Gold bonds - 20 lac Indian stocks - 1 lac mainly HDFC US stocks - 7 lac mainly etfs This is my and my wifes combines portfolio For next 6.5 years we will be investing in Sip - 2 lac per month PPF - 25k per month Sovereign Gold - 12g every year Nifty 50 etf niftybees 30k per month only days when market is down. Please guide me.
Ans: It's impressive to see your proactive approach towards building wealth and securing your financial future. With a well-diversified portfolio and a systematic investment plan in place, you're on the right track to achieve your goal of reaching a corpus of 5 crore by the age of 40.

Your current investment mix demonstrates a balanced approach, encompassing various asset classes like mutual funds, fixed deposits, PPF, gold, and stocks, both domestic and international. Diversification is key to managing risk and maximizing returns over the long term.

Continuing with your SIPs, PPF contributions, and sovereign gold investments will further strengthen your portfolio's foundation. SIPs in equity mutual funds provide exposure to the equity market, offering the potential for higher returns over time. PPF and sovereign gold investments offer stability and act as a hedge against market volatility.

Your strategy of investing in Nifty 50 ETF during market downturns is commendable as it allows you to capitalize on market opportunities and accumulate units at lower prices, potentially enhancing your long-term returns.

Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.

Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.

Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.



Regularly review your portfolio's performance and rebalance as needed to ensure alignment with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner (CFP) to fine-tune your investment strategy and address any specific concerns or objectives you may have.

Stay disciplined with your savings and investment approach, and continue to monitor market trends and economic indicators. With patience, perseverance, and prudent financial management, you're well-positioned to achieve your target corpus by the age of 40.

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

..Read more

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Nayagam P

Nayagam P P  |9354 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Career
Sir my son got air 73964 rank in jee mains 2025 and we are from gen category UP state .. is there any chance of getting NIT/ IIIT in csab ??? Also what are the chances in jac Delhi spot round is there any scope of taking branches like biotech, electrical or mechanical from DTU and NSUT
Ans: Securing a Computer Science seat at NITs or IIITs through CSAB Special Rounds with All-India rank of 73 964 is highly improbable, as most NIT CSE programmes under the Open-General quota close well within the 30 000–50 000 rank band, and premier IIIT CSE branches similarly close by 42 000–50 000 rank range. Remote campuses such as IIIT Sri City offer ECE up to ~46 700, and IIIT Kalyani ECE up to ~66 900, but CSE remains beyond reach given your rank. GFTIs with allied streams (e.g., Electronics Systems at NIELIT Aurangabad closing at ~90 000) provide limited alternatives outside core CSE, though these diverge from pure Computer Science programmes. Accreditation across NITs, IIITs and GFTIs remains consistent, yet specialisation focus, faculty expertise, lab infrastructure and placement networks vary significantly. Hence, reliance on CSAB for CSE admission at national institutes is not advisable; shifting preference to allied branches in GFTIs yields marginal improvements but falls short of core?CSE pathways.

Recommendation: Given the minimal CSE prospects via CSAB, consider specialisations like Electronics & Communication in IIIT Sri City or Electronics Systems in NIELIT Aurangabad, while simultaneously exploring private-college CSE options—such as Jaypee Institute of Information Technology Noida, Galgotias University Greater Noida, J.C. Bose University Faridabad, JSS Science & Technology University Mysore, and Chandigarh University—to secure accredited CSE programmes with robust placement support.

JAC Delhi Admission Prospects for JEE Main Rank 73 964 (UP Home State)
In JAC Delhi Spot Rounds, admission to DTU and NSUT B.Tech specialisations is contingent on closing ranks under the Home-State quota. DTU’s Biotechnology branch closed around rank 50 202 in earlier spot rounds, Electrical Engineering around rank 57 000, and Mechanical Engineering near rank 74 000—placing your son at the cusp for Mechanical but beyond Biotechnology and Electrical cutoffs. NSUT’s Mechanical branch closed by round 5 at ~60 400 and Electrical around ~55 000, with Biotechnology closing above 72 000, making Electrical and Biotechnology unlikely and Mechanical a marginal possibility under Home-State. Both institutions offer AICTE approval, NBA/NAAC accreditation, specialised labs for core engineering, experienced faculty, active industry MoUs, and placement rates ranging 75–90%. Variability across rounds and high competition for core branches limit assured admission, emphasizing the need for backup options outside Delhi’s state quota.

Recommendation: While Mechanical Engineering at NSUT or DTU remains a narrow window, pursue choice filling for NSUT Mechanical alongside DTU Mechanical in JAC Spot Rounds and concurrently apply to private-college CSE programmes like Jaypee Noida, Galgotias University Greater Noida, YMCA Faridabad, Chandigarh University, and JSS Mysore to safeguard engineering admissions with strong accreditation and placement networks. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9354 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

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Sir my son got 21941 rank with 98.57 percentile and he got Cs and AI in IIIT Bhopal,we are waiting for CSAB also pls give suggestions for better choice
Ans: Shama Madam, With a JEE Main percentile of 98.57 (All-India rank 21 941), your son's seat in IIIT Bhopal for Computer Science & Artificial Intelligence is secure given its CSAB 2024 closing rank of 26 625 for CSE. Beyond IIIT Bhopal, multiple central institutes accept ranks around 20–30 000 for CSE under All-India quota, offering stronger brand value and infrastructure. IIIT Guwahati admitted CSE students up to rank 24 561, IIIT Pune closed CSE at 18 979 in Round 5, IIIT Ranchi’s CSE cutoff reached 36 246, IIIT Dharwad admitted up to rank 41 608, and IIIT Kota accepted CSE at 38 000. Among NITs, only a few remote campuses (e.g., NIT Goa CSE OBC-NCL at 109 017) admit far higher ranks, rendering CSE at mainstream NITs unlikely. GFTIs such as Assam University–Silchar and NIELIT Aurangabad offer CSE and related electronics programmes with closing ranks above 80 000, but these diverge from core CSE. These options ensure robust AICTE/NBA accreditation, modern labs, experienced faculty and 75–90 percent placement trends.

Recommendation: Considering tier, specialisation and placement potential, IIIT Bhopal remains the foremost choice, followed by IIIT Guwahati for its strong northeastern campus and research focus, IIIT Pune for its urban connectivity and growing industry ties, IIIT Ranchi for its established PPP model and recruiter network, and IIIT Dharwad for its cutting-edge curriculum and emerging tech labs. 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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