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Ramalingam

Ramalingam Kalirajan  |10017 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 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
Asked by Anonymous - Apr 26, 2024Hindi
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hello sir im working in merchanr navy and taking yearly salary of 30-32 lakhs after tax. im 35, finished all my loans, never invested in finicial market but want to invest about 10-12 lakhs early please give suggestions.

Ans: Congratulations on paying off your loans and considering investing in the financial market! Here are some suggestions tailored to your situation:

Emergency Fund: Before investing, ensure you have an emergency fund equivalent to at least 6-12 months of living expenses. This fund should be easily accessible in case of unforeseen circumstances.
Investment Goals: Define your investment goals, such as wealth accumulation, retirement planning, or funding future expenses. Knowing your objectives will help you choose the right investment avenues.
Diversified Portfolio: Consider diversifying your investments across different asset classes to spread risk. You can allocate funds to equities, mutual funds, fixed deposits, bonds, and other instruments based on your risk tolerance and investment horizon.
Equity Investments: Since you have a relatively high income and a long investment horizon, you may consider allocating a portion of your funds to equity investments. You can start with mutual funds or direct equity investments, focusing on blue-chip stocks or index funds for stability and growth potential.
Mutual Funds: Mutual funds offer a convenient way to invest in a diversified portfolio managed by professional fund managers. You can explore various categories such as large-cap, mid-cap, and multi-cap funds based on your risk appetite and investment goals.
Systematic Investment Plan (SIP): Consider starting a SIP in mutual funds, where you invest a fixed amount regularly. SIPs offer the benefit of rupee cost averaging and can help in wealth creation over the long term.
Financial Advisor Consultation: Given your lack of experience in financial markets, it's advisable to consult a financial advisor or planner. They can assess your financial situation, risk tolerance, and investment goals to provide personalized investment recommendations.
Risk Management: While investing in equities can offer higher returns, it also comes with higher risk. Ensure you are comfortable with the level of risk associated with your investment choices and diversify your portfolio to mitigate risks.
Continuous Learning: Take the time to educate yourself about different investment options, market dynamics, and financial planning concepts. Continuous learning will empower you to make informed investment decisions and navigate the financial markets effectively.
Review and Adjust: Regularly review your investment portfolio to track performance and make necessary adjustments based on changes in your financial situation or market conditions.
By following these suggestions and seeking professional guidance, you can embark on your investment journey with confidence and work towards achieving 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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Ramalingam

Ramalingam Kalirajan  |10017 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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I'm 25 years old I have 10 lakhs to invest plz advice me where to invest..
Ans: Congratulations on having a substantial amount to invest at the young age of 25. Let's explore strategic investment options tailored to your financial goals, risk profile, and investment horizon.

Understanding Your Financial Goals and Risk Profile
At 25, you have a long investment horizon ahead of you, which provides an opportunity to pursue growth-oriented investments. However, it's essential to consider your risk tolerance and financial objectives when selecting investment avenues.

Assessing Investment Options
With ?10 lakhs to invest, you have various investment options to consider. Let's evaluate potential avenues based on your goals and risk profile:

Equity Mutual Funds: Investing in equity mutual funds offers the potential for high returns over the long term. These funds invest in a diversified portfolio of stocks, providing exposure to the growth potential of the stock market.

Debt Mutual Funds: Debt mutual funds are suitable for investors seeking stability and regular income. These funds invest in fixed-income securities such as bonds and government securities, offering relatively lower risk compared to equities.

Systematic Investment Plan (SIP): Consider investing in mutual funds via SIPs, which allow you to invest a fixed amount regularly. SIPs offer the benefit of rupee cost averaging and enable disciplined investing over time.

Balancing Risk and Return
Given your young age and long investment horizon, you can afford to take on a higher level of risk to pursue higher returns. However, it's essential to strike a balance between risk and return based on your risk tolerance and financial goals.

Emphasizing Diversification
Diversifying your investment portfolio across multiple asset classes and investment vehicles is crucial for managing risk and maximizing returns. Consider allocating your investment across equity and debt funds to achieve a well-diversified portfolio.

Monitoring and Reviewing Your Investments
Regularly monitor the performance of your investments and review your portfolio periodically to ensure alignment with your financial goals. Consider consulting with a Certified Financial Planner to fine-tune your investment strategy and navigate market fluctuations effectively.

Conclusion
In conclusion, investing ?10 lakhs at 25 presents a significant opportunity to lay the foundation for long-term wealth creation. By selecting suitable investment options, balancing risk and return, emphasizing diversification, and staying disciplined in your investment approach, you can work towards achieving your financial goals and securing your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10017 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Hi sir, I'm 27 un married , right now I have Lakhs rupee , where I have to invest, it's
Ans: Strategic Investment Options for a 27-Year-Old

Congratulations on your prudent decision to invest at such a young age. Let’s explore some strategic investment options tailored to your financial goals and risk tolerance.

Understanding Your Financial Goals
At 27, you have a valuable opportunity to build wealth over the long term. Let’s outline your goals and align them with suitable investment avenues.

Financial Goals Assessment
Short-Term Goals:

Emergency Fund: Build a contingency fund covering at least 6-12 months of living expenses.
Lifestyle Expenses: Plan for any short-term expenses like travel or personal purchases.
Medium-Term Goals:

Education or Skill Enhancement: Invest in courses or certifications to enhance your skills and career prospects.
Marriage or Home Purchase: Start saving for significant life events you anticipate in the next 5-10 years.
Long-Term Goals:

Retirement Planning: Begin building a retirement corpus to secure your financial independence in the future.
Wealth Accumulation: Invest with a long-term horizon to maximize wealth creation.
Investment Strategy
Diversified Equity Mutual Funds:

Equity mutual funds offer the potential for high returns over the long term.
Invest in a diversified portfolio of large-cap, mid-cap, and small-cap funds to spread risk.
Actively managed funds can outperform passive index funds, especially in volatile markets.
Systematic Investment Plan (SIP):

Start a SIP in equity mutual funds to benefit from rupee cost averaging and the power of compounding.
Regular monthly investments help inculcate a disciplined saving habit and reduce market timing risk.
Public Provident Fund (PPF):

Consider opening a PPF account for stable returns and tax benefits.
PPF offers attractive interest rates and tax-free returns, making it an ideal choice for long-term savings.
Risk Management
Emergency Fund:

Prioritize building an emergency fund to tackle unforeseen expenses without liquidating investments.
Park this fund in a liquid or low-risk debt instrument like a savings account or liquid mutual fund.
Insurance Coverage:

Secure yourself with adequate health insurance coverage to mitigate medical expenses.
Consider a term insurance plan to provide financial protection to your dependents in case of any unfortunate event.
Avoiding Common Pitfalls
Avoiding Impulse Decisions:

Stay disciplined and avoid impulsive investment decisions driven by market fluctuations or short-term trends.
Overlooking Asset Allocation:

Maintain a balanced asset allocation aligned with your risk tolerance and financial goals.
Rebalance your portfolio periodically to ensure it stays in line with your objectives.
Conclusion
As a 27-year-old investor, you have a long investment horizon ahead. By adopting a disciplined approach, diversifying your portfolio, and staying focused on your financial goals, you can set yourself on the path to financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10017 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2025

Money
Col Sanjeev Govila, good evening. I am Col P Venkatachalam, retd from MCEME as HOD FIET in 2006. I want to invest Rs 10 lacs. Please advise me.
Ans: Your disciplined decision to invest Rs 10 lakhs is deeply respected. Let's carefully assess the options for you.

This response is structured for your complete understanding and peace of mind.

We’ll explore all angles: safety, growth, liquidity, and suitability for your life stage.

Let’s proceed step-by-step.

Understanding Your Needs First

Before investing, it's important to check a few things:

Do you need regular income from this amount?

Do you want to keep this money safe from loss?

Or, are you looking for long-term growth for legacy or future use?

Are you okay with some ups and downs in value for better returns?

Once your objective is clear, investment selection becomes easier and more purposeful.

If Your Priority Is Capital Safety with Some Growth

You may want to protect your money and still grow it better than FDs.

These types of investments are suitable for short-term or medium-term use.

You may explore actively managed short-duration debt mutual funds.

These funds give better returns than bank FDs in most cases.

Returns are not fixed but are usually in the range of 6% to 7.5% per year.

They also offer better tax efficiency compared to bank FDs.

You can redeem partially anytime if you need money.

These funds are managed by experts and reviewed regularly.

If Your Priority Is Monthly Income

If you want steady cash flows, you can consider this route.

Keep 6 to 12 months of expenses in a liquid fund.

Use the rest in a Systematic Withdrawal Plan (SWP) from a balanced hybrid fund.

SWP gives regular cash flow without touching your capital much.

You also get better post-tax returns than bank interest.

You can increase or stop SWP anytime you want.

If Your Priority Is Long-Term Wealth Creation

If you don’t need this money for at least 5 to 7 years, then growth becomes key.

You can consider investing in an actively managed equity mutual fund.

Your capital grows over the long term with the power of compounding.

You have already seen 5x growth in past equity investments.

That patience has rewarded you. Same can happen here.

Select only regular plans of equity funds through MFDs with CFP credentials.

Don’t choose direct plans as they give no guidance and no service.

Avoid index funds. They follow market blindly. They don’t manage risks well.

Actively managed funds perform better in changing market conditions.

Why Not Index Funds or Direct Plans

Many suggest index funds or direct mutual funds without understanding your life stage.

Index funds copy an index. No human checks or risk control.

During market falls, they fall just like the market. No safety layer.

They may not suit senior citizens looking for safer growth.

Also, direct plans have no support.

A Certified Financial Planner and MFD will guide and update you regularly.

They also ensure rebalancing and switching at the right time.

What to Avoid at This Stage

Don’t go for market-linked insurance plans like ULIPs or combo policies.

Don’t keep Rs 10 lakh idle in a savings account or low-interest FD.

Don’t lock the entire amount in long-term non-liquid products.

Don’t invest in real estate for rental income. It’s illiquid and stressful.

Tax Aspects to Keep in Mind

If you redeem your equity fund after 1 year, capital gains above Rs 1.25 lakh are taxed at 12.5%.

For debt funds, gains are taxed as per your income slab.

SWP from equity funds is treated as capital gains. So, tax is lower.

You can plan redemptions smartly to keep tax low.

Avoid dividend payout plans in equity funds. They deduct tax before payout.

Instead, choose growth option and withdraw through SWP. That’s tax-friendly.

Sample Allocation for Rs 10 Lakh Based on Your Profile

This is a balanced idea assuming you don’t need regular income.

Rs 2 lakh in liquid fund – for emergency or unexpected needs

Rs 3 lakh in short-duration debt fund – for medium-term use

Rs 5 lakh in actively managed large and mid-cap equity mutual fund – for long-term growth

If you need monthly income, then replace Rs 5 lakh equity with a balanced fund and start SWP.

This will give you regular income with capital protection.

Flexibility and Liquidity

All these options offer full liquidity. You can withdraw anytime.

No fixed lock-in like insurance or annuities.

You stay in control of your money.

You also avoid penalty or surrender loss.

Review and Adjust Every Year

Check the performance every year with a Certified Financial Planner.

Rebalance between equity and debt based on your age and goals.

Make sure you are not taking more risk than needed.

If markets have performed well, book some profit and move to safer options.

If You Already Have Any LIC, ULIP, or Combo Plans

If any LIC or ULIP policies exist, kindly check surrender value.

If they are giving poor return, consider surrendering and reinvest in mutual funds.

Many old plans give less than 5% return.

Mutual funds offer more transparency and liquidity.

Make sure to shift wisely and not impulsively.

You Have Already Done Well

You are retired and still planning ahead. That is very admirable.

You also understand that income from equity mutual funds is not guaranteed.

Your discipline in sticking with equity for long term is wise.

It’s rare to see 5 times growth. You must have chosen well and held strong.

Finally

Based on your need, risk comfort, and goal, we can mix liquid, debt, and equity.

Avoid products which lock your capital or give poor return.

Prefer actively managed mutual funds with guidance.

Avoid index funds, direct plans, and fixed-return insurance schemes.

Keep part of your money flexible for any future need.

Ensure that your capital works hard but remains under your full control.

Periodic review with a trusted Certified Financial Planner is a must.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..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.

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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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