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Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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
Asked by Anonymous - Oct 12, 2023Hindi
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Hello sir i require 3500000 in year 2030 how much i should invest in mutual fund monthly.want to invest equity large cap

Ans: To achieve a target corpus of 35 lakhs by 2030 through equity large-cap mutual funds, consider factors like the expected rate of return and the number of years until the goal. Assuming an average annual return of around 12%, you'd need to calculate the monthly SIP required.

Using an SIP calculator, with an expected return of 12% and a goal of 35 lakhs in 9 years, you'd need to invest approximately 17,000 to 18,000 rupees per month. However, market conditions and fund performance can vary, so it's wise to periodically review and adjust your investments.
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  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 20, 2024Hindi
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In which mutual funds i need to invest 25 K monthly from the new year 2025 ,I am 49 years age and will pay for 5years .and how much can i expect returns in he year 2030
Ans: At 49, you are entering a critical financial planning phase. Your goal to invest Rs 25,000 monthly for five years is thoughtful. This approach ensures disciplined savings and potential growth. With a clear end date in 2030, your horizon is medium-term, making fund selection vital.

The medium-term requires a balanced risk approach. You need investments that balance growth with stability.

Understanding Expected Returns
Mutual fund returns depend on the type of fund and market performance. Equity funds have higher growth potential but come with volatility. Hybrid funds balance risk by investing in both equity and debt instruments.

Returns cannot be guaranteed but are typically based on historical trends:

Equity-oriented funds: Historical average returns may range from 10% to 12%.
Hybrid funds: Returns often range from 8% to 10%.
Recommended Mutual Fund Types
Actively Managed Equity Funds
These funds can generate higher returns than index funds.
Fund managers actively select stocks to outperform the market.
Ideal for investors seeking aggressive growth.
Balanced Advantage Funds
These dynamically adjust equity and debt exposure based on market conditions.
Lower volatility makes them suitable for medium-term goals.
They offer a mix of growth and stability.
Debt-oriented Funds
These focus on fixed-income securities, offering stable returns.
Choose funds with low credit risk and moderate duration.
Useful to reduce portfolio volatility.
Systematic Withdrawal for 2030
By 2030, you can use a systematic withdrawal plan (SWP).
This ensures regular cash flow post-investment.
Disadvantages of Index Funds
If you’re considering index funds, note:

Index funds replicate market indices and lack active management.
They miss opportunities during market corrections.
Actively managed funds can outperform with skilled fund management.
Benefits of Investing Through Certified Financial Planner
Regular plans via Mutual Fund Distributors (MFDs) with CFP credentials provide better handholding.
A CFP offers advice on asset allocation and portfolio review.
They ensure the alignment of investments with your goals.
Tax Considerations
Equity mutual funds: LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt funds: Gains are taxed as per your income tax slab.
Steps to Build Your Mutual Fund Portfolio
Risk Assessment: Evaluate your risk-taking capacity.
Set Asset Allocation: Maintain a mix of equity and debt based on goals.
Select Funds: Choose funds from reputed AMCs with strong track records.
Monitor Portfolio: Review performance annually and rebalance when needed.
Final Insights
Investing Rs 25,000 monthly for five years can build a significant corpus. Align investments with your risk tolerance and financial goals. Avoid locking funds into unsuitable options. A diversified portfolio of mutual funds tailored to your needs will maximize growth while managing risks.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |10854 Answers  |Ask -

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
Career
Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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

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Dr Dipankar

Dr Dipankar Dutta  |1840 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
Career
Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

...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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