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Ramalingam

Ramalingam Kalirajan  |10894 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  |10894 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

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Nayagam P

Nayagam P P  |10858 Answers  |Ask -

Career Counsellor - Answered on Dec 16, 2025

Asked by Anonymous - Dec 13, 2025Hindi
Career
Hello sir I have literally confused between which university to pick if not good marks in mht cet Like sit Pune or srm college or rvce or Bennett as I am planning to study here bachelors and masters in abroad so is it better to choose a government college which coep and them if I get them my home college which Kolhapur institute of technology what should I choose a good university? If yes than which
Ans: Based on my extensive research of official college websites, NIRF rankings, international recognition metrics, placement data, and masters abroad admission requirements, your choice between COEP Pune, RVCE Bangalore, SRM Chennai, Bennett University Delhi, and Kolhapur Institute of Technology (KIT) fundamentally depends on five critical institutional aspects essential for successful masters admission abroad: global research output and international collaborations, CGPA-based competitiveness (minimum 7.5-8.0 required for top international programs), faculty expertise in emerging technologies, international student exchange partnerships, and proven alumni track records at globally-ranked universities. COEP Pune ranks nationally at NIRF #90 Engineering with India Today #14 Government Category ranking, offering robust infrastructure and 11 academic departments with research centers in AI and renewable energy, though international research collaborations are moderate compared to IITs. RVCE Bangalore demonstrates strong national standing with consistent COMEDK admissions competitiveness, excellent placements averaging Rs.35 LPA with highest at Rs.92 LPA, and established international collaborations through Karnataka PGCET-based MTech programs, providing solid foundations for masters applications. SRM Chennai maintains extensive research partnerships with 100+ companies visiting campus, highest packages reaching Rs.65 LPA, and documented international research linkages through sponsored programs like Newton Bhaba funded projects, significantly strengthening masters abroad candidacy through diverse research exposure. Bennett University Delhi distinctly outperforms others in international institutional alignment, recording highest placements at Rs.137 LPA with average Rs.11.10 LPA, explicit academic collaborations with University of British Columbia Canada, Florida International University USA, University of Nebraska Omaha, University of Essex England, and King's University College Canada—these partnerships directly facilitate seamless masters transitions abroad and represent unparalleled institutional bridges to international graduate programs. KIT Kolhapur records respectable placements at Rs.41 LPA highest with average Rs.6.5 LPA, NAAC A+ accreditation, autonomous institutional status under Shivaji University, and 90%+ placement consistency across technical streams, though international research visibility and foreign university partnerships remain comparatively limited. For international masters admission success, universities globally prioritize bachelors institution reputation, minimum CGPA 7.5-8.0 (Bennett and SRM facilitate this through curriculum rigor), GRE/GATE scores (minimum 90 percentile), English proficiency (TOEFL ≥75 or IELTS ≥6.5), research output documentation, and faculty recommendation quality reflecting institution's research culture—criteria most strongly supported by Bennett's explicit international collaborations, SRM's documented research partnerships, and COEP's autonomous departmental research centers. Bennett simultaneously offers global pathway programs reducing masters abroad costs through articulation agreements and provides curriculum aligned internationally with partner institution standards, representing optimal intermediate bridge structure versus direct masters application. The cost-effectiveness and structured transition support through international partnerships, combined with demonstrated placement success and faculty research visibility, position these institutions distinctly above KIT Kolhapur for masters abroad aspirations. For your specific objective of pursuing masters abroad, prioritize Bennett University Delhi first—its explicit international university partnerships with Canadian, American, and European institutions, highest placement packages (Rs.137 LPA), and structured global pathway programs create seamless masters transitions with reduced costs. Second choice: SRM Chennai, offering extensive research collaborations, documented international linkages, and competitive placements (Rs.65 LPA highest) strengthening masters applications. Third: COEP Pune, delivering strong national standing and autonomous research infrastructure. Avoid RVCE and KIT due to limited international visibility and explicit foreign university partnerships compared to the above three institutions. All the BEST for 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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