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Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on May 13, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - May 13, 2025
Money

Hello, I am looking for a lumpsum investment option for an amount of about 60lacs. I am looking for long term investment option of about 15 years. I am aged 45 now and willing to use these returns towards my retirement. Thanks

Ans: Hello;

What is your risk profile?

Based on your response we can advise you suitably.

Thanks;
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

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Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Would like to invest 20L lumpsum for period of next 5 to 7 years
Ans: Investing a lump sum of 20 lakhs for a period of 5 to 7 years requires a careful approach to balance potential returns with risk. Here are some considerations:

Risk Tolerance: Assess your risk tolerance to determine the appropriate allocation between equity and debt investments. For a shorter investment horizon of 5 to 7 years, it's generally advisable to lean towards a more conservative allocation to minimize the impact of market volatility.
Asset Allocation: Consider diversifying your investment across asset classes such as equities, debt, and possibly alternative investments like gold or real estate investment trusts (REITs). This can help spread risk and optimize returns based on market conditions.
Equity Investments: Allocate a portion of your lump sum to equity investments for the potential to generate higher returns over the long term. You may consider investing in diversified equity mutual funds or index funds that track broad market indices.
Debt Investments: Allocate another portion of your lump sum to debt investments for stability and income generation. Options include fixed deposits, debt mutual funds, or government bonds. Choose instruments with a suitable maturity period based on your investment horizon.
Review and Rebalance: Periodically review your investment portfolio and rebalance as needed to ensure it remains aligned with your financial goals and risk tolerance. Adjustments may be necessary based on changing market conditions and your evolving investment objectives.
Consult a Financial Advisor: Consider consulting with a Certified Financial Planner who can provide personalized advice tailored to your financial situation and goals. They can help create a customized investment strategy and provide ongoing guidance to optimize returns while managing risk.
By taking a diversified approach and staying disciplined with your investment strategy, you can work towards achieving your financial objectives over the next 5 to 7 years.

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Ramalingam

Ramalingam Kalirajan  |8931 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 14, 2024Hindi
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Lumpsum investment pls advise good funds Sip investment which good funds Tax savind mutual.fund which is good fund Pls advice am 50yrs pf age want the fund giv g gopd returns in 5 to 8 yrs
Ans: Investing a lumpsum amount requires careful planning. Given your age and goals, it's important to balance risk and return. Here are some recommendations:

Diversified Equity Funds:

These funds invest in a mix of large, mid, and small-cap stocks.
They offer potential for high returns.
Suitable for a 5-8 year investment horizon.
Actively Managed Funds:

Actively managed funds aim to outperform the market.
Professional fund managers select stocks based on research.
They can provide better returns than index funds.
Debt Funds:

For lower risk, consider debt funds.
These invest in fixed-income securities.
Suitable for short to medium-term goals.
SIP Investment
Systematic Investment Plans (SIPs) help in disciplined investing. They also benefit from rupee cost averaging. Here are some options for SIP investments:

Large Cap Funds:

Invest in large, stable companies.
Lower risk compared to mid and small-cap funds.
Suitable for consistent growth.
Mid Cap Funds:

Invest in mid-sized companies.
Potential for higher growth than large-cap funds.
Suitable for medium to high-risk investors.
Small Cap Funds:

Invest in small companies with high growth potential.
Higher risk but can offer significant returns.
Suitable for long-term goals and risk-tolerant investors.
Tax-Saving Mutual Funds
Tax-saving mutual funds, also known as ELSS, provide tax benefits under Section 80C. They have a lock-in period of 3 years. Here are some benefits:

Equity-Linked Savings Schemes (ELSS):
Offer tax deductions up to Rs 1.5 lakh.
Invest in equity markets for potential high returns.
Shortest lock-in period among tax-saving options.
Investment Strategy
To achieve good returns in 5-8 years, consider the following strategy:

Diversification:

Spread investments across equity, debt, and tax-saving funds.
This reduces risk and maximizes returns.
Professional Guidance:

Invest through a Certified Financial Planner (CFP).
Regular funds through an MFD with CFP credentials offer support and professional advice.
Disadvantages of Index Funds
Index funds track a specific market index. However, they have some disadvantages:

No Active Management:

They replicate the index and cannot outperform it.
They miss out on potential gains from market inefficiencies.
Market Risk:

They are subject to overall market risk.
They do not protect against downturns in the index.
Benefits of Actively Managed Funds
Actively managed funds have several advantages:

Professional Management:

Experienced fund managers make investment decisions.
They can identify and exploit market opportunities.
Potential for Higher Returns:

Actively managed funds aim to outperform the market.
They can adjust their portfolios based on market conditions.
Final Insights
Investing at 50 requires a balanced approach. Focus on diversifying across equity, debt, and tax-saving funds. Use SIPs for disciplined investing and consider actively managed funds for potential higher returns. Avoid direct investments and index funds due to their limitations. Seek guidance from a Certified Financial Planner to tailor your investments to your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

Nayagam P P  |6466 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2025

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Sir igot 444 and AIQ is 131279 iam obc ncl (kerala) there is any possibilities for BDS in government college.
Ans: Nibla, A NEET score of 444 falls below the typical marks cutoff for OBC-NCL candidates seeking BDS in government dental colleges, where qualifying marks range between 520–540 for OBC students. Similarly, All India BDS closing ranks under the 15 percent AIQ for OBC rarely exceed 35,000, whereas your AIQ rank is 131,279, placing you far outside the viable admission range. Nationwide only about 3,000 government BDS seats exist, and premier institutions such as SCB Dental College (Cuttack), Government Dental College (Bangalore), and Tamil Nadu Government Dental College (Chennai) closed with AIQ ranks under 30,000 for OBC. Under Kerala’s 85 percent state quota, Government Dental College, Thiruvananthapuram admitted OBC candidates with ranks up to 51,595 in earlier years, while Kottayam and Kannur closed within similar state-rank brackets, implying state ranks must be substantially lower than your AIQ conversion would yield. Consequently, securing a BDS seat in a government college appears highly unlikely. Consider prioritising private or deemed dental colleges with lower cutoffs and participating in both AIQ and state counselling to maximise admission options. Recommendation: Focus on private or deemed dental institutions, as government quota thresholds exceed reachable marks and ranks. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 17, 2025

Asked by Anonymous - Jun 14, 2025
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Which university is good among VIT, AMRITA AND SRM?
Ans: VIT Vellore maintains a 90–95% placement rate across the last three years, facilitated by 632–945 recruiters visiting annually and yielding over 3,300 super-dream (≥10 LPA) and 2,800 dream (≥6 LPA) offers in 2024, with a median package near ?9 LPA and strong tech-sector engagement from companies like Microsoft, Amazon and TCS. Amrita Vishwa Vidyapeetham Coimbatore records 90–100% placement consistency for its BTech cohorts, supported by 300+ recruiters including IBM, Wipro and Cognizant, with median salaries around ?7.75 LPA and emphasis on internships and research projects embedding industry standards early in the curriculum. SRM Chennai’s flagship Kattankulathur campus posts 85–90% placement rates over three years, hosting 980–1,313 recruiters and generating 5,500–9,000 offers annually, with average packages around ?7.2 LPA and core-engineering roles from Cognizant, Infosys and Ford. VIT leads in high-value dream offers and recruiter diversity, Amrita excels in top-end consistency and academic rigor, and SRM offers broad sectoral reach with strong core engineering streams.

Recommendation: Prioritise VIT Vellore for maximum high-value offer volume and expansive recruiter network, choose Amrita Coimbatore for nearly universal placement consistency and integrated research opportunities, and consider SRM Chennai if core engineering exposure and diverse sectoral hiring are primary goals. All the BEST for the Admission & 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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