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Ramalingam

Ramalingam Kalirajan  |7159 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 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
Nilay Question by Nilay on Apr 25, 2024Hindi
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Hello sir, I need to invest around 30-35k a month, can you please suggest good SIPs, ELSS funds. I can connect with you and pay the fees too. Please provide your contact details

Ans: It's wonderful to hear that you're considering investing regularly. Investing is like planting seeds; with care and patience, they grow into strong trees providing shade for years to come. When you think about the future, isn't it reassuring to know you're taking steps to nurture it?

SIPs (Systematic Investment Plans) and ELSS (Equity Linked Saving Schemes) can indeed be great avenues to consider. SIPs allow you to invest small amounts regularly, making it manageable and less intimidating. ELSS funds, on the other hand, not only offer potential growth but also provide tax benefits, which can be a boon.

As a Certified Financial Planner, my aim is to guide you towards choices that align with your goals and risk tolerance. We'll delve into your aspirations, understand your financial landscape, and choose options that resonate with your journey. It's a partnership where your dreams and our expertise converge.

I appreciate your trust and willingness to connect. Let's embark on this financial journey together. You can reach me at the details provided in my profile https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137
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 20, 2024

Asked by Anonymous - May 11, 2024Hindi
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I wish to invest 30K per month via SIP IN MUTUAL Funds Can you kindly suggest some funds. My horizon is apund 5-8 yrs
Ans: Thank you for entrusting me with the responsibility of guiding your investment journey. Investing through a systematic investment plan (SIP) in mutual funds is an excellent way to achieve your financial goals. Let's explore suitable funds for your investment horizon of 5-8 years.

Understanding Your Investment Horizon
With a horizon of 5-8 years, you have the advantage of pursuing a balanced investment strategy that combines growth potential with risk mitigation. This timeframe allows for exposure to equity-oriented funds while maintaining a prudent approach to risk management.

Assessing Fund Categories
Given your investment horizon, a blend of equity and debt funds is advisable to strike the right balance between growth and stability. Equity funds offer the potential for higher returns over the long term, while debt funds provide stability and income generation.

Selecting Equity Funds
When selecting equity funds, consider diversified equity mutual funds that invest across various sectors and market capitalizations. These funds offer exposure to a wide range of stocks, reducing concentration risk and enhancing diversification. Additionally, thematic or sectoral funds may be considered for tactical allocation but should be approached with caution due to their higher risk profile.

Evaluating Debt Funds
Incorporating debt funds into your portfolio can help mitigate volatility and provide stability during market downturns. Opt for high-quality debt funds with a focus on safety and liquidity. Short to medium-term debt funds, such as liquid funds or short-term bond funds, can be suitable for your investment horizon.

Emphasizing Consistency and Performance
When evaluating mutual funds, prioritize consistency and long-term performance over short-term fluctuations. Look for funds with a track record of delivering competitive returns relative to their benchmark indices and peers. Additionally, consider factors such as fund manager expertise, investment philosophy, and risk management practices.

Monitoring and Reviewing Your Portfolio
Regular monitoring and review of your mutual fund portfolio are essential to ensure alignment with your financial goals and risk tolerance. As your circumstances evolve, adjustments may be necessary to optimize your portfolio's performance and mitigate potential risks.

Conclusion
In conclusion, investing through SIPs in mutual funds offers a disciplined and systematic approach to wealth creation over the long term. By diversifying across equity and debt funds and focusing on consistency and performance, you can build a resilient portfolio that is well-positioned to achieve your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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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.

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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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