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Ramalingam

Ramalingam Kalirajan  |9696 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 17, 2025

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 - Jun 16, 2025
Money

Hello Sir, I want to redeem a mutual fund to reduce number of fund in my portfolio. This fund is of 5% allocation of my total portfolio and has not beaten the benchmark. I want to how to reinvest this redeemed amount to another MF, should I do SIP or lumpsum. Will lumpsum investment at current market effect the return or I should invest lumpsum without timing the market. My investment horizon is for 15 years. Also will this effect the compounding

Ans: You are thinking in the right direction. Streamlining your mutual fund portfolio is a smart move. Managing fewer, better-performing funds will help you get more focused growth.

You are planning to redeem a fund that has underperformed. That shows your awareness as an investor. Let us now look at the right way to reinvest the amount. Your investment horizon is long—15 years—which is an advantage.

Let us evaluate every angle in detail.

Why It’s Okay to Exit an Underperforming Fund
You mentioned this fund has only 5% weight in your portfolio. It has not beaten its benchmark. That’s a clear red flag.

Reasons to exit:

Fund not beating benchmark for 3 years or more

Fund manager or strategy changed

Poor consistency in performance

Other funds doing better in same category

Selling such funds is wise. It makes your portfolio clean and growth-focused.

One bad performer can pull down overall return. Removing it improves portfolio efficiency.

You made a good decision.

Where to Reinvest the Redeemed Amount
After selling, your goal is to reinvest in another mutual fund. Let us plan it properly.

You asked whether to do SIP or lumpsum. Both are useful, but must be used wisely.

First, identify where this money should go.

What type of fund should you choose:

If your existing fund mix is strong, add to an existing winner

Or choose a new fund with consistent 5-year and 10-year track record

Choose only actively managed funds, not index funds

Why avoid index funds:

Index funds copy the market without intelligence

They fall when the market falls. No protection

No chance to beat benchmark

Passive nature reduces wealth-building capacity

Fund manager has no freedom to select better stocks

Actively managed funds give you:

Expert decision-making

Freedom to shift between sectors

Better downside protection

Superior long-term results in Indian market

So always prefer actively managed mutual funds via regular plans.

SIP vs Lumpsum: Which One is Better?
Let us now come to your main question.

You want to know how to reinvest the amount. SIP or lumpsum?

Your investment horizon is 15 years. This is very long. So you can take equity exposure fully.

Still, timing matters when investing lumpsum.

Let us assess both methods side by side:

When Lumpsum Makes Sense
Lumpsum means investing full amount at once. It works in these conditions:

Market is already corrected or trading low

You are not emotionally affected by short-term falls

You will stay invested for full 15 years

You have chosen a good fund with strong past record

You don’t need this money for short-term goals

Benefits of lumpsum in long-term:

Full compounding starts from day one

Money is fully exposed to market

No waiting time, no idle money

Higher returns if market performs well after entry

But don’t forget, lumpsum needs mental stability.

What if market falls after lumpsum?

You may feel anxious

You may exit early due to fear

Short-term losses can affect your patience

That’s why timing does affect short-term performance. But not long-term growth if you stay invested for 15 years.

When SIP is Better
SIP is the habit of investing every month.

Even for lumpsum amounts, you can do STP (Systematic Transfer Plan).

STP means:

Keep the lump amount in liquid fund

Transfer fixed amount every month into the equity fund

Example: Rs. 50,000 per month for 6–10 months

Why STP is useful:

Reduces risk of market timing

Avoids investing entire amount at peak

Keeps you emotionally stable

Avoids regret in case of short-term correction

Creates smoother entry into equity

Use STP when:

Market is at all-time highs

Volatility is increasing

You are not sure about market direction

You want peace of mind during investment

So, STP is a balanced way to invest lump amounts.

Will Lumpsum Affect Compounding?
This is an important question.

Let us understand compounding clearly.

Compounding depends on:

Time invested

Return generated

Amount invested

Whether you do lumpsum or SIP, the key is how long money stays invested.

Lumpsum helps compounding start early. SIP creates compounding gradually.

In long term (15 years):

Lumpsum grows faster if invested at right level

SIP grows steadily but reduces entry timing risk

Both will give good results if fund is right

So yes, lumpsum helps compounding better if done at right time.

But STP gives you that benefit with safety.

You get smoother growth and still early compounding.

Ideal Strategy for Your Case
Let us now give you a proper, full-scope recommendation.

Step-by-Step Plan:
Redeem the underperforming fund.

Park the money in a liquid mutual fund (not savings account).

Start a 6-month STP to a high-quality active mutual fund.

Choose the fund after checking its 5-year, 10-year consistency.

Avoid new index funds or ETFs.

Use regular plans through Certified Financial Planner channel.

After STP ends, monitor that new fund every year.

This plan will:

Reduce timing risk

Start compounding early

Bring emotional comfort

Keep your investing smooth

Increase overall return stability

Additional Things to Keep in Mind
Since your money is being shifted, some more factors to remember:

Mutual Fund Capital Gains Tax Rules (Updated):

Equity fund LTCG above Rs. 1.25 lakh taxed at 12.5%

STCG (below 1 year) taxed at 20%

These are recent rules. Plan redemptions smartly

Avoid frequent switches to reduce tax impact

Emotional Behaviour Risk:

Do not panic if market dips during STP

Do not stop investing after seeing short-term fall

Compounding works best when you do not interrupt

Yearly Review Required:

Check your fund’s performance yearly

Compare with peers in same category

Use this to decide future additions or redemptions

Work with a CFP to do regular health check-up of portfolio

Finally
You are thinking smart. Trimming funds and reallocating is a sign of maturity.

But always shift money with a goal and method.

Use these steps:

Avoid underperforming and index funds

Reinvest using STP into active mutual funds

Prefer regular plans with CFP guidance

Let money stay invested for full 15 years

Don't check NAV daily. Focus on yearly growth

Review fund quality yearly

Avoid timing the market too much

Stick with this method and your wealth will grow steadily.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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Asked by Anonymous - Mar 19, 2024Hindi
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Hello Sir.I am 30 year old from Kolkata,I have been investing in Mutual Fund for SIP of Rs.5000/- monthly since October 2021 with a plan for long term investment.My Portfolio has this equity diversification i.e.Axis Focused 25 Fund Direct Plan Growth,Mirae Asset Large and Mid Cap- Direct Growth plan,Nippon India Small Cap Fund Direct plan growth,HSBC Small Cap fund Direct growth plan and SBI Small Cap Fund Direct Plan Growth. All these all together have accumulated alongwith profit and loss amount of Rs.152000/- .Now whether can i withdraw profit amount only and invest in lumpsum to different fund manager without stopping existing SIP? Also suggest me good portfolio with good return over long term.Please Sir Thanks and Regards Praveen Das
Ans: Hello Praveen,

It's great to see your proactive approach towards long-term investing at 30. Building a diversified equity portfolio through SIPs reflects a disciplined savings habit and a focus on wealth creation.

Regarding your query about withdrawing the profit amount and investing it lumpsum in a different fund without stopping the existing SIPs, it's absolutely feasible. You can choose to reinvest the profit amount in a lumpsum in a different fund manager while continuing your SIPs. However, before making any changes, consider the tax implications and exit load, if any, on the profit amount.

Now, for suggesting a portfolio with good returns over the long term, it's essential to have a balanced approach with exposure to various market segments. Given your existing holdings, you might consider adding a large-cap or flexi-cap fund to provide stability to your portfolio. Additionally, having exposure to international funds or thematic funds can provide diversification and potentially enhance returns.

A Certified Financial Planner can offer personalized advice, analyzing your risk profile, financial goals, and investment horizon. They can guide you on optimizing your portfolio, ensuring a mix of funds that align with your objectives and risk tolerance.

Remember, investing is a journey, and staying invested with a long-term perspective while periodically reviewing and rebalancing your portfolio can help you achieve your financial goals. Best wishes on your investment journey!

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Mutual Funds, Financial Planning Expert - Answered on May 12, 2024

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I invested in mf sip of sbi contra fund Reg G,Quant small cap fund Reg G, Sbi small cap fund Dir G, And also lumpsum of ?5000 in Parag parikh flexi cap fund Dir G, Nippon India nifty small cap 250 index fund Dir G, Sbi nifty small cap 250 index fund Dir G. Kindly advice is it required any reallocation required,if yes suggest pl.
Ans: It's excellent that you're investing in mutual funds through SIPs and lump-sum investments, which can help you build wealth over the long term. Let's assess your current portfolio and see if any reallocation is needed.

Your portfolio consists of a mix of actively managed funds and index funds, covering different market segments like contra, small-cap, and flexi-cap. This diversification is good, but it's essential to periodically review and rebalance your portfolio to ensure it remains aligned with your financial goals and risk tolerance.

Firstly, let's evaluate your actively managed funds. SBI Contra Fund, Quantum Small Cap Fund, and SBI Small Cap Fund are actively managed funds with varying investment strategies. It's crucial to monitor their performance and ensure they continue to meet your expectations. If any of these funds consistently underperform or deviate from their investment mandate, you may consider reallocating your investments to better-performing alternatives within the same category.

Regarding your lump-sum investments, Parag Parikh Flexi Cap Fund is known for its diversified approach across market caps and sectors, providing flexibility and potential for growth. However, it's essential to review its performance periodically to ensure it continues to deliver results.

Nippon India Nifty Small Cap 250 Index Fund and SBI Nifty Small Cap 250 Index Fund are passive funds tracking the Nifty Small Cap 250 Index. While index funds offer low-cost exposure to specific market segments, they may not outperform actively managed funds consistently. However, they provide diversification and can be a valuable component of a well-rounded portfolio.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.

Consider your investment goals, risk tolerance, and time horizon when evaluating the need for reallocation. If any fund significantly underperforms or if your financial circumstances change, you may need to rebalance your portfolio accordingly.

It's advisable to consult with a Certified Financial Planner who can provide personalized advice based on your specific financial situation and goals.

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www.holisticinvestment.in

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I am 50-year-old with investment in MFs. I want to invest Rs 20 lakh – part of it lumpsum say Rs 5 lakh and remaining 15 lakh as SIPs over next 8 years till I retire. Please suggest how I can go about it?
Ans: For your investment plan of Rs 20 lakh, split into Rs 5 lakh as a lump sum and Rs 15 lakh through SIPs over 8 years, here’s a diversified approach based on your retirement timeline and goal of maximising returns while managing risk:

Lump Sum Investment (Rs 5 lakh):

Invest in more stable, balanced funds since lump-sum investments tend to have higher exposure to market volatility.
• HDFC Balanced Advantage Fund -- 30 per cent (Rs 1.5 lakh)

Balanced fund that adjusts equity-debt mix based on market conditions, reducing risk.
• Mirae Asset Hybrid Equity Fund -- 25 per cent (Rs 1.25 lakh)

Equity-oriented hybrid fund with a good balance of risk and reward.
• ICICI Prudential Multi-Asset Fund -- 25 per cent (Rs 1.25 lakh)

A fund that invests in equity, debt, and other asset classes like gold, providing diversification.
• HDFC Short Term Debt Fund -- 20 per cent (Rs 1 lakh)

SIP Plan (Rs 15 lakh over 8 years):

You can set up a monthly SIP of Rs 15,625 to achieve this. Here’s a diversified set of funds:
• Axis Bluechip Fund -- Rs 4,000/month

Large-cap fund with a solid track record of lower volatility and stable returns.
• Mirae Asset Emerging Bluechip Fund -- Rs 3,500/month

Large and mid-cap exposure for a combination of growth and stability.
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Balanced exposure to mid-cap and large-cap companies.
• Kotak Emerging Equity Fund -- Rs 2,625/month

Mid-cap focused fund, known for good long-term growth.
• Parag Parikh Flexi Cap Fund -- Rs 2,500/month

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Ramalingam Kalirajan  |9696 Answers  |Ask -

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

Asked by Anonymous - Nov 30, 2024Hindi
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Hi Sir, I have lumpsum amount of Rs. 3 lakh that I want to do invest in mutual fund. Do i have to invest in Sip mode or lumpsum? I dont want this money for next 10 years. Please suggest which mutual fund i can invest and how to invest..
Ans: Your investment horizon of 10 years is a good decision. Long-term investments build wealth. Both lump sum and SIP investments have their merits. Let us analyse each method to suit your needs.

Understanding Lump Sum Investment
Advantages of Lump Sum Investment
Immediate exposure to the market allows capital to grow from the start.

Beneficial during low market levels or corrections.

Suitable if you already have disciplined financial planning in place.

Disadvantages of Lump Sum Investment
Entire amount is exposed to market volatility instantly.

May not be ideal in highly fluctuating markets.

Risks higher loss in case of a sudden downturn after investing.

Evaluating Systematic Investment Plan (SIP)
Benefits of SIP Investment
Breaks your investment into smaller portions, reducing market timing risks.

Suitable during a volatile or upward-trending market.

Encourages disciplined and regular investment over time.

Limitations of SIP Investment
Capital deployment is slower, resulting in delayed compounding.

Less effective during stable or bullish markets compared to lump sum.

Requires you to wait for the full amount to be invested.

Which Method is Better for You?
Since you have Rs. 3 lakh, consider the following:

If the market is currently stable or undervalued, go for lump sum investment.

If markets are highly volatile, split your investment into SIP over 6-12 months.

Combining both approaches can also work well. Invest a portion as lump sum and the rest via SIP.

Selecting the Right Type of Mutual Fund
Equity Mutual Funds
Ideal for long-term wealth creation over 10 years.

Suitable for investors seeking higher returns with some risk.

Actively managed equity funds often outperform passive options.

Hybrid Mutual Funds
Balanced funds mix equity and debt for moderate risk.

Provide stability during market fluctuations while offering decent returns.

Debt Mutual Funds
Low-risk option but less suitable for a 10-year horizon.

Useful for conservative investors seeking capital preservation.

Why Avoid Index Funds?
Disadvantages of Index Funds
Index funds simply replicate market indices and lack flexibility.

Fund managers cannot adapt to market changes or crises effectively.

Actively managed funds aim to outperform markets through strategic decisions.

Investing Through a Certified Financial Planner
Benefits of Investing Through Regular Plans
Access to professional guidance for portfolio review and rebalancing.

CFPs offer tailored advice based on market conditions and financial goals.

Regular plans provide support and accountability throughout the investment journey.

Tax Implications of Mutual Fund Investments
Tax on Equity Mutual Funds
Long-Term Capital Gains (LTCG) above Rs 1.25 lakh taxed at 12.5%.

Short-Term Capital Gains (STCG) taxed at 20%.

Tax on Debt Mutual Funds
Both LTCG and STCG taxed as per your income tax slab.

Suitable for those in lower income tax brackets.

Strategies to Maximise Your Investment Returns
Diversify across equity, hybrid, and thematic funds for balance.

Reinvest returns or dividends to enhance compounding.

Review and adjust the portfolio every 6-12 months.

Final Insights
A 10-year horizon gives you ample time to grow wealth. Choose lump sum or SIP based on current market conditions. Prefer actively managed funds for better potential returns. Work with a Certified Financial Planner to ensure tailored and disciplined investments. Stay committed to your financial goals.

Best Regards,

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Chief Financial Planner,

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

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Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
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Hi sir, i'm employee and age 33 and Recently married. I have 1. Home loan 7.29 L (Outstanding), tenure 13 yrs, emi is 7000 2.personal loan 12.3L, tenure 57 months, emi is 30500. 3.Another PL 50K (Outstanding), emi is 9350 4.Need to give 1L to friend which I took long back. My monthly income in hand 92k. 1.NPS having 7k ---- Monthly Rs.500 2.Recently (2 months ago) Started a invested on Cryptocoins for BTC,ETH and INJ at Rs.7000 --- One time investment 3.Again Recently (2 months ago) Started a invested on digital gold at 10000 monthly. Tel me better management of loans and savings. Planning to retirement is April-2055.
Ans: You are only 33 and newly married. That gives you solid time to plan smartly for retirement and wealth creation. Below is a detailed 360-degree answer to guide you, written in simple Indian English, keeping your financial goals and commitments in mind.

? Your Current Financial Snapshot

– Your take-home salary is Rs. 92,000 per month.
– You have home loan EMI of Rs. 7,000 monthly.
– One personal loan EMI is Rs. 30,500.
– Another personal loan EMI is Rs. 9,350.
– You have a one-time friend repayment of Rs. 1 lakh.
– You are investing Rs. 500 monthly in NPS.
– You invested Rs. 7,000 in crypto coins recently.
– You are investing Rs. 10,000 monthly in digital gold.
– Retirement planned in April 2055, 30+ years from now.

Let’s review and re-structure your loans, investments, and savings with an expert lens.

? Evaluation of Your Loan Commitments

– Total monthly EMI is nearly Rs. 46,850.
– That takes up over 50% of your income.
– This is on the higher side for your salary.
– Home loan EMI is fine. It is low and for long term.
– But personal loans are reducing your monthly cash flow.
– These loans carry high interest rates.
– Clearing these early will bring huge relief.

– Prioritise repaying the smaller personal loan of Rs. 50,000 first.
– After that, target the 12.3L personal loan.
– Avoid prepayment of home loan for now.
– Home loan gives tax benefit. Personal loans do not.
– Do not take any new loan until existing ones are closed.
– Avoid credit card EMIs or BNPL schemes.

– Once you repay these loans, your savings power will increase.
– Try to increase your EMI by Rs. 2,000-3,000 if possible.
– That will reduce your debt faster.
– Focus all extra income or bonuses toward loan repayments.

? Friend Loan – Honor This Quickly

– Rs. 1 lakh is pending to your friend.
– Clear this first before making any investment.
– Keep personal integrity and trust intact.
– If not possible in one shot, repay in 3 parts over 3 months.
– Avoid delaying this for the sake of digital gold or crypto.

? Assessment of Digital Gold Investment

– You are investing Rs. 10,000 monthly in digital gold.
– That is a high allocation at your age.
– Gold does not create wealth. It only preserves value.
– Over long term, gold returns are less than equity.
– For young investors, equity mutual funds work better.

– Reduce digital gold to Rs. 2,000 per month or pause it.
– Reallocate remaining to mutual fund SIPs.
– Use gold only for diversification or specific goal like jewellery.
– Do not consider gold as a retirement investment tool.

? Assessment of Crypto Investment

– You invested Rs. 7,000 in BTC, ETH, and INJ.
– Crypto is highly risky and volatile.
– It can give high returns or major losses.
– Crypto is not regulated like mutual funds.
– Do not add more money into crypto now.
– Consider it like a lottery ticket, not an investment.
– Keep exposure to crypto under 2-3% of total investments.
– Avoid monthly SIPs into crypto.

? Review of NPS Contribution

– You are contributing Rs. 500 monthly in NPS.
– That is good for tax saving and retirement.
– NPS offers market-linked returns with some tax benefits.
– Increase this to Rs. 1,000-2,000 per month later.
– Don’t depend on NPS as the only retirement tool.
– Use mutual funds also for long-term wealth.

? Savings vs. Expenses – Cash Flow Management

– Income is Rs. 92,000.
– After loan EMIs of Rs. 46,850, balance is Rs. 45,150.
– Digital gold SIP is Rs. 10,000.
– NPS is Rs. 500.
– That leaves Rs. 34,650 for household and other expenses.
– Try to live on Rs. 25,000 for all expenses.
– Keep Rs. 5,000-7,000 aside for emergency or loan repayment.
– Create a budget and stick to it.
– Use apps or notebook to track all monthly expenses.
– Avoid luxury spending, impulse buying or new gadgets.

? Emergency Fund is a Must

– You must build an emergency fund.
– Keep at least Rs. 60,000 to Rs. 1,00,000 ready.
– Keep in a savings account or liquid mutual fund.
– This avoids taking loans during sudden expenses.
– Build it slowly over 6 to 8 months.
– Use bonuses or tax refunds to create this fund.

? Future Focus: Mutual Funds for Long Term Wealth

– Your goal is retirement in 2055.
– That gives over 30 years to invest and grow money.
– Mutual funds are ideal for long-term compounding.
– Choose actively managed diversified equity mutual funds.
– These are run by professional fund managers.
– They outperform index funds over long periods.
– Index funds do not beat market in volatile times.

– Avoid direct mutual fund platforms.
– They save cost, but there is no guidance.
– Wrong fund or wrong timing leads to poor results.
– Invest through Certified Financial Planner and MFD.
– They review and adjust based on your goals.

– Start with Rs. 5,000 monthly SIP in equity mutual funds.
– As loan EMIs end, increase SIP step-by-step.
– Use STP if you have lump sum to invest.
– Do not invest lump sum directly into equity funds.
– Choose growth plans, not dividend plans.

? Tax Planning Strategy

– Use home loan interest for tax deduction.
– NPS also gives extra Rs. 50,000 tax benefit under Sec 80CCD(1B).
– Mutual funds are tax efficient for long-term.
– Equity fund gains above Rs. 1.25 lakh are taxed at 12.5%.
– Short-term gains are taxed at 20%.
– Debt fund gains taxed as per income slab.

– Fixed deposits are fully taxable every year.
– Avoid them for long-term savings.
– Use debt mutual funds for short-term goals instead.

? Retirement Plan Roadmap

– At age 33, you are in perfect stage to plan retirement.
– Target to build large corpus by 55 or 60 years.
– Use mutual fund SIPs for 20-25 years.
– Review and adjust portfolio every year.
– Shift slowly to safer funds as you near retirement.
– After 55, start SWP (Systematic Withdrawal Plan).
– It helps withdraw monthly income during retirement.
– Avoid insurance products or annuity plans for retirement.
– Do not lock money for long periods unnecessarily.

? Insurance Coverage

– You have not mentioned term insurance or health cover.
– These are critical for married people.
– Buy term insurance of at least 10 times your income.
– It protects your family in your absence.
– Also, buy a good family health insurance policy.
– Don’t depend only on company group insurance.

– Avoid ULIP or money-back policies.
– These give low returns and poor coverage.
– Keep insurance and investment separate.

? Avoid These Common Financial Mistakes

– Don’t keep adding to digital gold or crypto.
– Don’t ignore loans. Clear them first.
– Don’t stop NPS or delay mutual fund SIPs.
– Don’t use credit cards for lifestyle spending.
– Don’t take new loans unless urgent.
– Don’t invest in index funds. Active funds give better returns.
– Don’t invest directly in mutual funds without guidance.
– Don’t postpone emergency fund or insurance.
– Don’t guess your future needs. Plan and document clearly.

? Finally

– You have made a strong start.
– You are earning well and have many years ahead.
– Focus now on clearing high-cost loans quickly.
– Then increase investments steadily every year.
– Cut down digital gold and avoid new crypto purchases.
– Create emergency fund and buy insurance.
– Start mutual fund SIPs through Certified Financial Planner.
– Review your goals and portfolio every year.
– Stick to your plan. Stay consistent.
– You can build strong wealth and retire peacefully.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |8557 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Sir, my son is getting CSE at Thapar and Dual degree MSc. Physics at BITS Pilani campus. Can you guide which is better in terms of long term career goals.
Ans: Omesh Sir, Thapar University’s four-year B.E. in Computer Science & Engineering is NBA and NAAC A+ accredited, ABET-USA recognized under the Washington Accord, and hosts 27 state-of-the-art undergraduate and postgraduate laboratories with a dedicated data centre. Its 2023 placement drive saw 334 recruiters making 1,884 offers, placing 83% of undergraduates and nearly 100% of CSE students with an average package of ?11.90 LPA. The curriculum, benchmarked to ACM/IEEE standards, features industry-aligned electives and incubation support, while strong industry tie-ups ensure ongoing research and internship opportunities.

BITS Pilani’s five-year Integrated Dual Degree in M.Sc. Physics operates under the Institute of Eminence framework with UGC and NAAC A++ accreditation, offering advanced fabrication, characterization, and clean-room facilities across Pilani, Goa, and Hyderabad campuses. Practice School internships immerse students in R&D projects; over the past three years, 73.61% of physics graduates secured placement with an average package of ?19.71 LPA. The interdisciplinary curriculum spans quantum mechanics to astrophysics, supported by a robust alumni network and global research collaborations.

Recommendation: Considering sustained high CSE placement rates, strong industry partnerships, and ABET accreditation, the recommendation favors Thapar CSE for a direct software-engineering career trajectory with guaranteed industry readiness; BITS Pilani’s dual-degree M.Sc. Physics suits those targeting advanced research, specialized R&D roles, or academia. All the BEST for Admission & a Prosperous Future!

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