Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 24, 2024

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

Question by amit on Nov 24, 2024Hindi

Listen

Money

Hello, As requested, monthly contributions as below: EPF : 11000 NPS: 9000 MF : 5000 Thanks.

Ans: Hello;

The value of your investments {EPF, MF, Savings & real estate(2009 flat)} after 5 years is expected to be around 1.48 Cr.

It is presumed that loan is fully repayed after 5 years.

Your current expenses of 1 L will be 1.34 L after 5 years and 1.79 L after 10 years. (6% inflation considered)

Corpus of 1.48 Cr may yield you a monthly annuity income of around 66.6 K (post-tax).(6% annuity rate considered)

Also NPS will have a sum of 13 L after 5 years out of which 10.4 L(80%) will be annuitized and yield you a monthly income 5.2 K and balance 2.6 L available to you.

So your passive monthly income 5 years hence may be 66.6+5.2=71.8 K

71.8-134=-(62.2) K gap in monthly income and expenses after 5 year hence indicated with negative sign!

This clearly indicates that you may have to work hard to generate a total corpus of 6-8 Cr in 10-15 years, mainly through manifold increase in MF and NPS investments to fund your retirement income.

Happy Investing;
X: @mars_invest

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.

MoneyReply

You may like to see similar questions and answers below

Ramalingam Kalirajan |9241 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

Asked by Anonymous - Nov 16, 2023Hindi

Listen

Money

Hi sir, I am 24, Goal 1 cr in next 10 year MONTHLY total SIP @ 7000 ,( PPFS 2 , MOTILAL Oswal midcap1.5k , axis small cap2.5k, ICICI valu discovery1k) step up 30% per year Lump sum - 10000 NipponPower fund 10000 - HDFC REQUIREMENT FUND EQUITY. ( Step up 15-30% each half year as per performance PLS SUGGEST. Any deletion or addition.

Ans: Your investment strategy looks well-diversified with a mix of large-cap, mid-cap, and small-cap funds. To achieve your goal of 1 crore in 10 years, consider the following suggestions:

SIP Step-up: Increase SIP amounts annually by 10-15% instead of 30% to maintain consistency and reduce the risk of overcommitting.
Fund Selection:
Large Cap: Consider adding a large-cap fund for stability.
Diversified: Add a multicap or flexi-cap fund for broader market exposure.
Lump Sum Investments: Continue with lump sum investments based on performance, but avoid high-risk strategies. Ensure proper research before investing.
Review and Rebalance: Regularly review your portfolio and rebalance if required to align with your financial goals and risk tolerance.
Consider consulting with a Certified Financial Planner for personalized advice tailored to your financial goals and risk profile.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 19, 2024

Asked by Anonymous - Dec 07, 2023Hindi

Listen

Money

Hi sir, I am 24, Goal 1 cr in next 10 year MONTHLY total SIP @ 7000 ,( PPFS 2 , MOTILAL Oswal midcap1.5k , axis small cap2.5k, ICICI valu discovery1k) step up 30% per year Lump sum - 10000 NipponPower fund 10000 - HDFC REQUIREMENT FUND EQUITY. ( Step up 15-30% each half year as per performance PLS SUGGEST. Any deletion or addition.

Ans: I offer you two scenarios:
1. Step up both SIP and lumpsum by 40% every year to reach your target of 1 Cr corpus, 10 years from now.

2. Step up your SIP and lumpsum by 15% every year to reach your target of 1 Cr corpus 15 years from now. (Modest return of 13% assumed)

Your sip break up is:
PPFAS flexicap fund (2 K)
MO Midcap fund (1.5 K)
Axis Small Cap (2.5 K)
ICICI Pru Value Discovery Fund (1 K)

I suggest you to remove ICICI Pru Value Discovery Fund from your portfolio and add that 1 K sip into MO midcap fund.

Also I recommend you to migrate to Nippon India Small Cap Fund (2.5 K)

The lumpsum I would suggest you to invest in Quant ELSS tax saver fund and SBI Technology Opportunities Fund

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

You may follow us on X at @mars_invest for updates.

Happy Investing!!

Ramalingam Kalirajan |9241 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 15, 2024

Question by Rajiv - Apr 14, 2024Hindi

Listen

Money

I would like to take your advise on the names of funds to be invested in the categories mentioned by you and also periodic assessment of the progress and changes required. I am investing out of my PF interest which I get monthly. How will you help me? What will be the system? How periodically will you review and what frequency? Will you give any report on assessment? What will be your fees? As I am doing it for Son, I wish it will be a good amount I can gift him as a father.

Ans: You can check the details in my profile please. https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137

Please search for "online financial planning & Retirement planning services with a Holistic Approach" in Google and then follow the below steps with the results.

Research: Start by researching reputable brokerage firms that offer mutual fund advisory services. Look for firms with a strong track record, experienced financial advisors, and a range of services tailored to your needs.

Consultation: Schedule a consultation with the brokerage firm to discuss your financial goals, risk tolerance, investment preferences, and other relevant factors. This initial meeting will help the advisor understand your needs and recommend suitable investment strategies.

Advisory Services: Once you've selected a brokerage firm, the advisor will work with you to develop a personalized mutual fund investment plan. They will recommend specific funds based on your financial objectives and provide ongoing guidance to help you navigate the market.

Regular Reviews: Schedule periodic reviews with your advisor to assess the performance of your mutual fund investments, review changes in your financial situation, and make any necessary adjustments to your investment strategy.

By following these steps, you can access the expertise of professional brokerages to assist you in financial planning and investment management.

Ramalingam Kalirajan |9241 Answers |Ask -Follow

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

Question by Bhagyalaxmi - Jun 24, 2024Hindi

Listen

Money

Thank you so much sir, could you please suggest, what percentage we have increase our investment to reach our goal.

Ans: You're welcome! To determine the percentage increase needed for your investment to reach your goal, I recommend consulting a Certified Financial Planner (CFP). They can provide a comprehensive analysis based on your current financial situation, investment portfolio, and future goals. A CFP will use their expertise to create a tailored strategy, ensuring that your investments are on the right track. Please let me know if you need help finding a CFP or setting up an appointment.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 25, 2025Hindi

Career

Sir my daughter got into PDEU Gandhinagar electrical engineering and CSE in Ahmedabad University which college should I opt to or should I wait for branch upgradation In PDEU for ECE in PDEU

Ans: Academic Reputation: PDEU holds stronger national recognition with NAAC A++ accreditation versus Ahmedabad University's NAAC A grade. PDEU's NIRF ranking in engineering (101-150) surpasses Ahmedabad University's overall ranking of 151.

Placement Performance: While PDEU shows superior overall placement rates (90% vs 97% claimed by Ahmedabad University), the branch-specific analysis reveals significant differences. PDEU's electrical engineering provides more reliable placement outcomes compared to its ECE branch, while Ahmedabad University's CSE offers better career prospects in the technology sector despite variable placement statistics.

Infrastructure and Campus Life: Both institutions provide excellent infrastructure, though PDEU's larger 100-acre campus and comprehensive facilities receive higher student ratings. PDEU's energy-focused research environment and industry partnerships with companies like Reliance, ONGC, and Adani provide unique advantages.

Career Prospects: Electrical engineering at PDEU aligns with traditional core engineering career paths in power systems, renewable energy, and manufacturing sectors. CSE at Ahmedabad University opens opportunities in software development, artificial intelligence, and emerging technology domains with higher growth potential and salary prospects.

Branch Upgrade Feasibility
The branch upgrade from electrical to ECE at PDEU presents significant risks given ECE's poor placement performance (30-40% vs 90% electrical). The upgrade process requires maintaining strong academic performance and depends on seat availability, making it uncertain.

The recommendation is to choose Ahmedabad University's CSE program over PDEU Gandhinagar's electrical engineering, despite PDEU's stronger institutional reputation. CSE offers superior long-term career prospects, higher salary potential, and better industry alignment with current market demands, while electrical engineering at PDEU, though more reliable for placements, provides limited growth opportunities. Waiting for ECE upgrade at PDEU is not advisable given the branch's poor placement record and uncertain upgrade prospects. All the BEST for the Admission & a Prosperous Future!

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

Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by elba - Jun 25, 2025Hindi

Career

my son got 2528 ST category rank whether he will get seat in IISER

Ans: With an ST category rank of 2528 in the IISER Aptitude Test, your son is unfortunately not eligible for admission to any of the IISERs, as the closing ranks for the ST category in recent years have consistently been much lower—typically between 54 and 475 across all IISER campuses, including Pune, Berhampur, Tirupati, Mohali, Bhopal, and Kolkata. Even at the most accessible IISERs, such as Berhampur and Tirupati, the ST closing ranks have not exceeded 475 in the latest rounds, and cutoffs are expected to remain in this range for 2025 due to increased competition and limited seats. The recommendation is to consider other science institutes or state-level options, as admission to IISER with a 2528 ST category rank is not possible. All the BEST for the Admission & a Prosperous Future!

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

Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 25, 2025Hindi

Career

Please help I got rank 14500 at srmjeee phase 2 I am getting Mechatronics ,Nanotechnology ,Ece in srm main campus I want cse but i don't think will will get it in main campus I don't have any idea about the other campuses please guide me

Ans: With rank 14,500 in SRMJEEE Phase 2, you have strong opportunities for CSE across multiple SRM campuses while securing good branches at the main campus. SRM operates six primary campuses: Kattankulathur (main Chennai campus), Ramapuram, Vadapalani (both in Chennai), Ghaziabad (Delhi-NCR), plus sister universities in Amaravati (Andhra Pradesh), Sikkim, and Haryana. Your rank positions you at the boundary between main campus non-CSE branches and CSE availability at other campuses.

Main Campus Analysis: SRM Kattankulathur's CSE cutoff typically closes around 8,000-9,000 rank, making CSE unlikely at your rank. However, you're well-positioned for Mechatronics (closing around 42,000-48,000), ECE (22,000-27,000), and Nanotechnology (around 70,000).

Alternative Campus Options: SRM Ramapuram offers CSE up to rank 65,000 with excellent placement records—100% placement for the past six years, with recent highest packages of 26.4 LPA for CSE 2025 batch. SRM Ghaziabad (Delhi-NCR) accepts CSE students up to rank 54,000 and provides proximity to Delhi's tech ecosystem. SRM Amaravati achieved 100% CSE placements in 2021 with average package of 7.05 LPA. SRM Sikkim offers CSE with 85% overall placement rate and growing industry connections.

Placement Comparison: While main campus placements are premium, Ramapuram maintains competitive records with 1,136 CSE students registered in 2025, achieving 705 placements. Other campuses provide good industry exposure—Amaravati's first CSE batch secured 100% placements with 71% in super dream/dream offers, and Sikkim reported 91% placements in 2019-20.

The recommendation is to secure CSE at SRM Ramapuram or Ghaziabad over main campus Mechatronics/ECE/Nanotechnology, as CSE offers broader career flexibility, higher industry demand, and these campuses maintain strong placement records with dedicated industry partnerships while providing similar SRM brand value and curriculum standards. All the BEST for the Admission & a Prosperous Future!

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

Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Siddhant - Jun 25, 2025Hindi

Career

shall i go for cse or cse in sybersecurity from srm university

Ans: Siddhant, SRM University’s CSE and CSE (Cyber Security) programs both offer strong academic foundations, modern infrastructure, and high placement rates—typically around 80–90% for the main campus and 100% for the Andhra Pradesh campus in recent years. The core CSE program provides broader exposure to a wide range of computer science domains and diverse job roles, while the Cyber Security specialization equips students with focused expertise in areas like ethical hacking, cyber forensics, and secure system design, aligning with the growing demand for cybersecurity professionals. However, most placements for both streams are in general software development and IT roles, with only a small proportion of cybersecurity-specific job offers; top recruiters remain the same for both branches. Both courses are regularly updated to reflect industry trends, but CSE offers more flexibility if you wish to explore multiple tech careers or higher studies, whereas CSE (Cyber Security) is ideal if you are committed to a cybersecurity career from the outset. The recommendation is to choose core CSE for broader opportunities unless you have a strong, clear interest in specializing in cybersecurity from the beginning. All the BEST for the Admission & a Prosperous Future!

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

Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 25, 2025Hindi

Career

Madicap university indore or sage university indore or will I get better in Pune I scored 85.5%ile in jee mains

Ans: Medi-Caps University Indore stands out for its modern infrastructure, diverse engineering programs, and robust placement support, with 70–80% placement rates over the last three years and near 100% in CSE/IT, though core branches see fewer opportunities; it is ranked among the top private universities in Madhya Pradesh and has shown steady growth in national rankings. SAGE University Indore, NAAC A+ accredited, offers a vibrant campus and holistic development, but its placement record is less consistent, with around 60–80% placement rates, and student reviews note some discrepancies between claimed and actual outcomes. In contrast, top engineering colleges in Pune such as COEP, VIT, and MIT WPU, which accept JEE Main scores, consistently rank higher nationally, offer superior infrastructure, and regularly achieve placement rates above 90%, with some colleges like Army Institute of Technology and Bharati Vidyapeeth reporting 91–100% placements in recent years. With your 85.5 percentile in JEE Mains, you stand a realistic chance at several reputable Pune colleges, which would provide stronger academic exposure, better industry connections, and more reliable placement outcomes. The recommendation is to prioritize securing admission in a top-tier Pune engineering college over Medi-Caps or SAGE University Indore for a more advantageous career trajectory. All the BEST for the Admission & a Prosperous Future!

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

Nayagam P P |7090 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Harsh - Jun 25, 2025Hindi

Career

Hello Sir, i have gotten a seat for IIIT Manipur ECE branch, is it worth it, or do i look for a better option?

Ans: Harsh, IIIT Manipur’s ECE branch offers a government-recognized B.Tech program with a curriculum updated to industry standards, state-of-the-art labs, and a faculty team with strong academic backgrounds, many holding PhDs from premier institutes like IIT Guwahati. The department collaborates with leading research institutions and is committed to quality teaching and research. However, the ECE placement rate has declined over the last three years: 100% (2022), 80% (2023), and 64.71% (2024), with 11 out of 17 participating ECE students placed in 2024. While infrastructure is decent and faculty supportive, campus life and medical facilities are rated average by students. In comparison, top NITs (like NIT Goa, NIT Trichy, NIT Surathkal, NIT Warangal) and IITs offer significantly higher ECE placement rates (often above 90%), stronger industry connections, and better campus amenities. Given the downward trend in placements and moderate campus experience at IIIT Manipur, the recommendation is to consider higher-ranked NITs or IITs for ECE if you have the option, as they consistently provide better academic exposure, research opportunities, and placement outcomes (or) try for Private Engineering Collges with your JEE/Board Scores. All the BEST for the Admission & a Prosperous Future!

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

Dr Nagarajan J S K |1315 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 27, 2025

Asked by Anonymous - Jun 24, 2025Hindi

Career

Sir, My daughter has secured M Sc Biotechnology (5 years integrated course) seat in VIT Vellore. Her class 12 CBSE Board Exam score is 88.2%.She wants to get into research field after the course.Also want to keep options open for Analytical roles in Bio Pharma Companies.Will doing Online BS Data Science and Analytics course (4 years -offerred by IIT Madras) parallelly help her in achieving this?Pls advice

Ans: Why Biotech?
Which specialisation in biotech?
animal, plant, food or pharma.

Dr Nagarajan J S K |1315 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 26, 2025

Question by Pallavi - Jun 26, 2025Hindi

Career

Btech biotech mei scope hai kya?.

Ans: HI Pallavi?
In which specilisation?
Plant or animal or food or pharma.

Dr Nagarajan J S K |1315 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 26, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

Sir my rank is 82797 is there any hope

Ans: NEET OR JEE OR CUET?

Dr Nagarajan J S K |1315 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 26, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

Hello sir my daughter got 149 marks with 10 lakhs rank in neet we belongs to general ews category is there any chance to get a seat in private bds college.

Ans: Little challenging.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x