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Ramalingam

Ramalingam Kalirajan  |7159 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 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
Ajay Question by Ajay on Apr 07, 2024Hindi
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Hello Sir, I want to invest 20k per month, 5k in ELSS and balance 15k in normal Mutual fund for better return. Kindly suggest.

Ans: For ELSS, consider established funds with a strong performance history. In the diversified equity category, opt for funds with a proven track record of delivering consistent returns. Evaluate the funds based on factors like fund manager expertise, investment approach, and expense ratio to make an informed decision.
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  |7159 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Hi team, I want to invest 1 L per month in ELSS Mutual Funds for a period of 5 years with the objective of buying a home. Can you please advise the structure of the investment. Thanks
Ans: Investing in ELSS Mutual Funds is a wise step towards achieving your goal of buying a home. With a monthly investment of 1 Lakh for 5 years, you demonstrate commendable commitment towards your objective.

ELSS funds, known for their potential to offer inflation-beating returns, are tax-efficient as well. By investing consistently over the years, you're leveraging the power of compounding to grow your wealth steadily.

Regular investments through a Certified Financial Planner can provide you with valuable insights and personalized advice, ensuring your investment strategy aligns with your financial goals.

While direct funds may seem appealing due to lower expense ratios, they often require expertise in fund selection and market timing, which can be challenging for individual investors.

Moreover, actively managed funds offer the advantage of professional fund management, which aims to outperform the market and deliver superior returns over the long term.

Index funds, on the other hand, may offer lower costs but lack the potential for active management to capitalize on market opportunities and navigate through volatility effectively.

By choosing ELSS funds over real estate, you're opting for a more liquid and diversified investment avenue, which can offer potentially higher returns with lower entry barriers and reduced risks associated with property investments.

Remember, consistency and patience are key to achieving your financial goals. Stay focused on your objective, and with the right investment strategy, you'll be closer to realizing your dream of owning a home.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Mayank

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Nov 27, 2024

Asked by Anonymous - Nov 20, 2024Hindi
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Sir,My son got admission in VIT vellore ,CSE branch in this academic year.PLZ suggest best certifications or courses in addition to CSE for best campus placements....with regards
Ans: Congratulations on your son's admission to VIT Vellore in the CSE branch! VIT takes care of the trending avenues in the IT industry and offers optional subjects to upgrade skills. Your son should work with complete dedication and involvement in the projects he undertakes at college. Students are mostly asked questions during interviews to check their knowledge and understanding.

Also to enhance his skills and increase his chances of securing top campus placements, he can consider the following certifications and courses:

Programming & Software Development

Data Structures and Algorithms (DSA)
Platforms: LeetCode, HackerRank, Codeforces, GeeksforGeeks
Importance: Key for cracking technical interviews.


Full-Stack Development
Courses: MERN (MongoDB, Express.js, React, Node.js) or Django for Python developers
Platforms: Udemy, Coursera, freeCodeCamp


Object-Oriented Programming (OOP)
Learn: C++, Java, or Python (advanced level)
Focus: Concepts like inheritance, polymorphism, and design patterns.



Artificial Intelligence & Data Science

Machine Learning & Artificial Intelligence
Platforms: Coursera (Andrew Ng's ML course), Kaggle, edX
Tools: TensorFlow, PyTorch, scikit-learn


Data Analytics and Visualization
Tools: Excel, Tableau, Power BI, SQL
Certifications: Microsoft Certified: Data Analyst Associate



Cloud Computing & DevOps
Cloud Certifications
Examples:
AWS Certified Solutions Architect
Google Cloud Professional Cloud Architect
Microsoft Azure Fundamentals


DevOps Tools
Tools: Docker, Kubernetes, Jenkins, Git
Certifications: Docker Certified Associate, Kubernetes Certified Administrator


Cybersecurity
Certifications:
CompTIA Security+
Certified Ethical Hacker (CEH)
Cisco Certified CyberOps Associate


Blockchain
Learn about distributed ledgers, smart contracts, and tools like Ethereum and Hyperledger.


Soft Skills Development
Public speaking: Toastmasters or local clubs
Communication: Attend workshops or use platforms like Udemy.


Competitive Programming
Regular participation in platforms like CodeChef, Codeforces, or AtCoder can enhance problem-solving skills.


Internships & Projects
Encourage him to apply for internships on platforms like Internshala or LinkedIn and work on real-world projects to strengthen his resume.

...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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