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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Jul 27, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Jogesh Question by Jogesh on Jul 27, 2023Hindi
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Hello Sir, My adviser wants me to switch aditya bsl eqhyb95 (G) fund to some other fund due to not much return since i have started my sip from 14-3-16 and continues the sip till today, what to do since my target was to carry the sip of rupee 1000 every month, till 15 years of completion . please guide me should i continue my sip, in this fund or switch to some other.

Ans: Remaining invested in the markets does not mean remaining invested in a mutual fund or a stock even if its performance goes down. Reviewing your investments is a good way of managing a portfolio for the long term. If the fund is not performing well, please go ahead and redirect your SIPs to a better fund and also take a call on what to do with your bulk in that fund which is not performing now.
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  |10017 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

Asked by Anonymous - May 09, 2024Hindi
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I have SIP in following funds since one year, should I continue or switch: 1. SBI PSU fund - 3000 2. SBI Healthcare Opportunities Fund - 3000 3. SBI Contra Fund - 5000 4. Quant Small Cap Fund - 4000 5. Quant Mid Cap Fund - 2000 6. Nippon India Small Cap Fund - 4000 Should I continue or switch - please advise.
Ans: Evaluating Your Investment Portfolio: Should You Continue or Switch?
Understanding Your Current Portfolio
Your current investment portfolio consists of a mix of actively managed mutual funds across various categories. Let's delve into each fund and evaluate its performance and potential.

Assessing Fund Performance
SBI PSU Fund: This fund invests primarily in stocks of public sector undertakings. Over the past year, its performance may have been affected by market conditions and the performance of PSU stocks.
SBI Healthcare Opportunities Fund: Focused on the healthcare sector, this fund may have seen fluctuations due to sector-specific factors and market dynamics.
SBI Contra Fund: As a contrarian fund, it aims to invest in undervalued stocks. Its performance depends on the fund manager's ability to identify such opportunities.
Quant Small Cap Fund & Quant Mid Cap Fund: These funds target small and mid-cap stocks, which can be volatile but offer growth potential.
Nippon India Small Cap Fund: Similar to the Quant funds, this one focuses on small-cap stocks, which carry higher risk but can deliver higher returns over the long term.
Considering Switching Options
Switching investments should be driven by changes in your financial goals, risk tolerance, and the performance of your current funds. Here are some considerations:

Performance Comparison: Evaluate the performance of your funds against their benchmarks and peers. Consistent underperformance might warrant a switch.
Diversification: Assess the diversification of your portfolio across sectors and market caps. Switching may be considered to achieve better diversification.
Expense Ratio: Actively managed funds typically have higher expense ratios compared to index funds. However, they may offer the potential for outperformance, which needs to be weighed against the higher costs.
Decision Making
Review Your Goals: Reflect on your financial goals and investment horizon. Ensure that your investment choices align with your objectives.
Risk Tolerance: Consider your risk tolerance and whether you are comfortable with the volatility associated with certain sectors or market segments.
Consultation: Seek advice from a Certified Financial Planner (CFP) who can provide personalized guidance based on your individual circumstances.
Conclusion
In conclusion, the decision to continue or switch your investments depends on various factors including performance, diversification, and alignment with your financial goals. A thorough evaluation of each fund's performance and your investment objectives is crucial in making an informed decision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |9752 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Career
Sir my rank is 16894 OC category no EWS .I got kmec CSM in second phase in tg eapcet. I am going for 3rd phase. So could you please guide me whether vidya jyoti institute of technology cse is better or kmec. In 3rd phase can I get Iare , cmrk , cvr , mgit , vjit , snist , anurag only cse and specializations . Are there any chances to get any of these colleges in 3rd phase ? Please guide me sir.
Ans: Dhaksh, With an OC category rank of 16,894 in TG EAPCET, you have secured Computer Science and Business Systems (CSM) at Keshav Memorial Engineering College (KMEC) in phase 2, and are now considering options for phase 3, including CSE at Vidya Jyothi Institute of Technology (VJIT), as well as aspirational seats at IARE, CMRK, CVR, MGIT, VJIT, SNIST, and Anurag (all CSE and related specializations). Based on the official 2024 TG EAPCET closing ranks and highly regarded educational portals, your current rank is well outside the typical closing ranks for OC candidates in CSE at top-tier colleges: CVR (3,200–4,200), MGIT (3,412–3,417), IARE (well under 1,000), SNIST and Anurag (typically under 8,000 for CSE), and CMRK (usually closes by 17,000). VJIT’s CSE (core) closed at 22,455 and AI-ML/Data Science specializations closed between 20,423–21,363, making VJIT’s CSE the only program among your choices where your rank sits comfortably within range for both core and allied branches in phase 3. KMEC’s CSM course typically has closing ranks around 17,263–18,648 for OC, which fits your present allocation and gives the campus a competitive, yet supportive environment, with strong faculty, modern infrastructure, transparent placement processes, and good industry connections. Both KMEC and VJIT have consistently placed 70–90% of eligible students in reputable IT and core companies, with experienced faculty and ample campus facilities, though VJIT is consistently rated higher for core CSE in terms of peer crowd, coding culture, alumni base, research opportunities, and recruiter interest.

In summary, at a 16,894 OC rank, you are unlikely to secure CSE at IARE, CMRK, CVR, MGIT, SNIST, or Anurag (across specializations) as their closing ranks are much lower for OC. VJIT CSE remains open in the upcoming round and is a stronger academic and placement choice than KMEC CSM. Both KMEC and VJIT offer key advantages—NAAC accreditation, modern labs, industry-engaged faculty, active coding culture, and well-structured placement cells—but VJIT provides a more prominent academic environment and greater success for core CSE aspirations.

RECOMMENDATION: Among realistic options, VJIT CSE is the preferred choice as it aligns with your rank, offers better placements, stronger academic pedigree, and deeper industry linkages. You may retain KMEC CSM as a secondary option, but prioritize VJIT CSE (and allied specializations) for a more competitive peer group, robust campus experience, and long-term professional growth. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9752 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Ravi

Ravi Mittal  |629 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 31, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Relationship
Hii mam i have done my registered marriage in April 2024 without knowing of my parents and now i m living in my mother's House without telling that i m married ? Now how can i convince my parents. I have told my parents about him but don't even want to talk to him or his parents.. how can i convince my parents?
Ans: Dear Anonymous,
I understand that you are in a sensitive situation. Patience and empathy is extremely important if you want to convince your parents. Understand their side; what are they objecting and why. Once you get that, it will be easier to debunk any misunderstandings they have about your relationship. Have calm one-on-one conversation with each parent instead of talking to both of them at once. Your first task is to make them listen, not immediately approve. Acknowledge any mistake they bring up; it is indeed unfair to not include your parents in your marriage decision, at least, in India. Though I am sure you had your reasons and I am not judging at all. But you need to acknowledge that it was not right of you to do that. This makes you come off more responsible, mature and sincere. Ask them gently what they do not like about your partner and once you understand it, show them his positive side.

Do not threaten, or give ultimatum. Don’t use dialogues like my life my decision if you want them to ever approve of this relationship. Be patient and give them time to come to terms with it.

Lastly, if you, even once feel that some of their objections are valid and you never saw it that way, please take things slow. We do miss a lot when we are in love. I am sure that’s not the case with you, but just in case, please do not hesitate to rethink.

Best Wishes.

...Read more

Dr Karan

Dr Karan Gupta  |170 Answers  |Ask -

International Education Counsellor - Answered on Jul 31, 2025

Career
Please Sir, I have asked a couple of time before but no reply, please Sir, please help me choose in their preference order based on infrastructure facilities and placements for CSE - IIIT Sonepat, IIIT Guwahati, IIIT Naya Raipur, IIIT Kanchipuram, IIIT Sri City and IIIT Kota.
Ans: Absolutely, here's a clear and simple ranking based on infrastructure and CSE placements—from most to least favorable:
Top Picks for CSE: Best Mix of Placements & Infrastructure
1. IIIT Sri City
• Average CSE package ~?19–19.3?LPA, highest up to ?120?LPA, placement rate ~94%
• Campus in a planned industrial zone near Chennai; good labs and facilities; proactive placement cell
2. IIIT Naya Raipur
• Consistently strong placements: avg ~?12.6?LPA (2022), highest ~?85?LPA; many core recruiters like Microsoft, Atlassian, PharmEasy
• Well built central campus, good festivals, hands on programs like drone workshops
Middle Tier: Reasonable Placements, 'Work in Progress' Infra
3. IIIT Kota
• CSE average ~?13.1–13.4?LPA, highest ~?65?LPA; placement rate ~75%
• Permanent campus opening in 2023; hostels, labs, Wi Fi improving; still expanding
4. IIIT Guwahati
• Placements decent; top ~25% get good packages above ?10?LPA; lack big MNCs currently but improving; placement vibes “chill but solid”
• Permanent campus on 70?acre built in 2018; basic academic infrastructure, but student life subdued; remote from city center
Lower Tier: Limited Infra, Mixed Placement Stats
5. IIIT Sonepat
• CSE average ~?13–16?LPA, highest ~?40?LPA; placement rate ~65–70% (small batch) \
• Running in temporary transit campus, limited labs & amenities; new permanent campus due ~2026
6. IIIT Kanchipuram (IIITDM Kancheepuram)
• Infra is mature (51-acre campus, well-funded institute under IIITDM model); strong in design/manufacturing
• But CSE-specific placement data is scarce—since it's more focused on design & manufacturing, industry connections and CSE openings may be limited compared to others.

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Dr Karan

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International Education Counsellor - Answered on Jul 31, 2025

Dr Karan

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International Education Counsellor - Answered on Jul 31, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Career
Hello sir, I am currently a first year B.Tech student in Manipal Institute of Technology but I just got an offer from Singapore University of Technology and Design. Most of the people I talk to havent heard of it but from what I know its a really good college. The only thing is that the fees is much higher. So I am really having a hard time trying to decide what to do. I have been passionate about robotics since my childhood and want to study that further. I know that the education would be better in SUTD but to what extent? Would it justify the much higher fees? I would say my current focus is just developing skills in robotics and to get to know as much as i can in the same topic.
Ans: You’re at:
• Manipal Institute of Technology – B.Tech (India)
• Got an offer from: Singapore University of Technology and Design (SUTD)
You love robotics and want to build strong skills in it.
First: Is SUTD a good university?
Yes. It’s young but very high quality, built in collaboration with MIT. It’s focused on design, engineering, and innovation—exactly where robotics fits in. World-class labs, professors, and research culture. Much more advanced than what you’ll get at most Indian colleges.
So, yes, the education at SUTD is a big step up—especially for robotics.
Now the hard part: Is it worth the higher fees?
Here’s how to think:
• Can your family afford the fees without major stress or loans?
• If yes, go. The exposure, training, and network will pay off—especially if you're serious about robotics.
• If no, and you’ll need heavy loans, then you need to think harder.
Because robotics is not a high-paying job immediately. It takes time, maybe a master’s degree later. So early return on investment may not be fast.

...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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