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Vivek

Vivek Lala  | Answer  |Ask -

Tax, MF Expert - Answered on Mar 09, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more
Asked by Anonymous - Feb 22, 2024Hindi
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Hello. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.

Ans: Hello, if your time duration is 20yrs then sector specific funds can be avoided
Your allocation can be in the following assuming you are an agressive investor :
Mid cap 30%
Small cap 30%
Multicap 20%
Large and mid cap 10%
Equity hybrid / Focused funds 10%

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific 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  |8511 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Feb 22, 2024Hindi
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Hi. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.
Ans: let's focus on other mutual fund sectors excluding index funds and sectoral funds:

Large Cap Funds: These funds invest in established, large-cap companies known for their stability and consistent performance. They offer a blend of growth potential and stability, making them suitable for investors with a moderate risk appetite and a long-term investment horizon.
Multi-Cap Funds: Multi-cap funds provide flexibility by investing across companies of various market capitalizations, including large, mid, and small-cap. This diversification allows investors to capitalize on opportunities across different segments of the market, potentially maximizing returns over the long term.
Mid Cap Funds: Mid-cap funds focus on companies with medium market capitalization, offering higher growth potential compared to large caps. While they come with higher volatility, mid-cap funds can generate significant returns over the long term for investors willing to tolerate market fluctuations.
Small Cap Funds: Small-cap funds invest in companies with small market capitalization, known for their high growth potential. They are more volatile compared to large and mid-cap funds but can offer substantial returns over the long term for investors with a higher risk appetite.
Balanced Advantage Funds: These funds dynamically allocate assets between equity and debt based on market conditions. They offer downside protection during market downturns while participating in equity market upswings, providing a balanced approach to long-term investing.
By focusing on large-cap, multi-cap, mid-cap, small-cap, and balanced advantage funds, you can build a diversified mutual fund portfolio tailored to your long-term investment goals. Remember to regularly review your portfolio's performance and make adjustments as needed to stay on track towards achieving your financial objective

..Read more

Ramalingam

Ramalingam Kalirajan  |8511 Answers  |Ask -

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

Asked by Anonymous - Feb 22, 2024Hindi
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Money
Hi Sir. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.
Ans: It's great to hear about your long-term investment horizon and commitment to wealth creation. Let's discuss the potential sectors for your SIP investment and why diversified equity funds may be a more suitable option:

While sector funds offer the allure of focused exposure to specific industries, they come with inherent risks that may not be suitable for all investors.

Sector funds are highly concentrated in a single industry, making them susceptible to industry-specific risks such as regulatory changes, technological disruptions, or economic downturns.

The performance of sector funds is closely tied to the performance of the underlying industry, which can lead to higher volatility and potential losses, especially during sector-specific downturns.

Additionally, timing the market and predicting the future performance of a particular sector is challenging, even for seasoned investors and fund managers.

On the other hand, diversified equity funds offer broad exposure to multiple sectors and industries, reducing concentration risk and providing better risk-adjusted returns over the long term.

Diversified equity funds invest across various sectors, allowing investors to benefit from the growth potential of different industries while mitigating the impact of underperformance in any single sector.

These funds are managed by experienced professionals who actively rebalance the portfolio to capitalize on market opportunities and manage risk effectively.

Moreover, diversified equity funds provide investors with the flexibility to adapt to changing market conditions and capitalize on emerging trends without the need for constant monitoring and reallocation.

In conclusion, while sector funds may offer the allure of high returns, they also come with higher risks and require a deep understanding of specific industries. For long-term investors like yourself, diversified equity funds offer a more prudent and reliable option for wealth creation, providing broad exposure to multiple sectors and industries while mitigating risks effectively.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |5078 Answers  |Ask -

Career Counsellor - Answered on May 25, 2025

Asked by Anonymous - May 25, 2025
Career
Sir I have 95.07 percentile in JEE Mains . Can you suggest me suitable colleges for CSE or ECE
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admission and a bright future!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |5078 Answers  |Ask -

Career Counsellor - Answered on May 25, 2025

Career
Sir, my son has got 3688 obcncl rank in jee mains and 508 rank in Kcet, pls suggest whether getting into NIT trichy ICE is better or can i look for CSE in top colleges in bangalore based on kcet rank, if yes, pls suggest good college in karnataka
Ans: Prkash Sir, as far as your son's excellent KCET rank is concerned, he can easily get admission into any one of the top 3 colleges of Bengaluru such as RVCE, BMSCE, & MSRIT. As far his JEE-3688-OBC-NCL is concerned, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admission and a bright future!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...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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