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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Sep 20, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Subhash Question by Subhash on Aug 29, 2023Hindi
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Hello Sanjeev, Good afternoon. Request a serious suggestion on my investment planning. Have majority of my savings into FDs due to my earlier conservative approach and even now am having the tax benefit as the FDs are on my wife's name where we do get the tax benefit. Also started significant portion into MFs which is a portfolio by itself of nearly 50 lac INR. My question is, I want to plan for my younger son's future and our retirement which almost have the same time duration of about 12-13 years. How can I go for my investment if am looking for around 5-7 crore of corpus by then ? What options could you provide me assuming I do have good risk apettite now as I have seen a good 5 year cycle in the MFs now. I want you suggest 2 options, 1 - With a fresh investment now and the products which I should go around and 2 - If you advise to use the fixed deposits also to contribute to the wealth creation ( I have a total of around 60-70 lac as FDs). So please suggest a good portfolio with the above 2 scenarios.

Ans: Based on your query, we understand that you are looking for investment options to plan for your younger son’s future (Education and Marriage) and your retirement life. You have mentioned that both goals have a similar time duration of about 12-13 years. You also mentioned that you have a good risk appetite now and have seen a good 5-year cycle in mutual funds (MFs).

To achieve a corpus of around Rs 5Cr by then, we have evaluated both the options:-

Option 1: Fresh Investment: This is the most recommended option from our end as considering your investment horizon and knowledge, we suggest you to rebalance your current fixed income oriented investments to equity orient funds with 20-25% allocation towards mid and small caps.
Benefits on shifting:
• Lower tax liability on returns generated.
• Tax deferment and compounding (higher returns) in long run.

Option 2: Continuing with Fixed Deposits (FDs) (Not suggested by us)
As you know, FDs are very safe asset class and yielding higher returns due to current interest rate scenario. Although, we all know sooner and later rates will came down to support the economy so does the FD rates.
Also, FDs as investment are not considered good for horizon of more than 5 years because:
a) Yearly taxation reduce the compounding and returns.
b) Equity generally outperform in terms of returns over the same horizon.

Final Recommendation:
We suggest you to shift 30-40 Lakhs from FDs and reinvest the same in a well-diversified portfolio of Equity and hybrid funds. Also, considering your goal of reaching a corpus of 5cr with current mutual fund investments it will require whopping returns of 20%+ on annual basis for a period of 12-13 years which is not very likely to achieve.

As a summary, allocate a total of Rs 80-90 Lakhs towards diversified equity-oriented funds and keep invested Rs 20-30 Lakhs in FDs in your wife’s name for taxation benefit.
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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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Feb 06, 2024

Asked by Anonymous - Jul 01, 2023Hindi
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Hi Mr. Parikh, I am 41 yr male. I have a monthly MF contribution of 14K: 1. Mirae Asset Tax (G)- 2000/m 2. Quant Tax Saver (G)-2000/m 3. Canara Robeco Tax Plan (G)-2000/m 4. Parag Parikh Tax Saver (G)- 2000/m 5. Nippon India Multi Cap (G)- 1000/m 6. PGIM India Mid Cap (G)- 2000/m 7. Quant Flexi Cap (G)- 2000/m 8. Quant BFSI Fund (G)- 1000/m 9. NPS contribution- 50000/yr I have LIC of 6 Lakhs SA, a Term plan of 25 Lakhs & a Health Plan of 25 Lakhs. Sir, I have the future commitments coming: a) Daughter's 12+ Education starting in 2028. b) Daughter's Marriage in 2040. c) Post retirement commitments. (after 2037). Sir, I am Ok with taking risk as my horizon is for long term. Sir, please suggest some more MF as I want to add another 6000/m to make it 20K/m. Please evaluate my current portfolio and suggest names of new MF to invest. Thanks
Ans: Currently, your portfolio is overly diversified in a similar category funds (ELSS), although the funds are well performing and have delivered decent returns till date. The ongoing SIPs in these funds will help you in accomplishing your goals along with tax savings but we recommend you to reduce the funds to two. The other funds in your portfolio are also fundamentally strong and decent performers. Hence, we recommend you to not introduce new funds in your portfolio and allocate the additional SIPs amount in the existing funds.

For your post retirements commitments, NPS is a good investment asset class as it will maintain your cashflows. You also have a decent health insurance for medical uncertainties but I recommend you to increase the term plan to 1 Cr.

..Read more

Ramalingam

Ramalingam Kalirajan  |8608 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2024

Money
Hello Anil, Good afternoon. Request a serious suggestion on my investment planning. Have majority of my savings into FDs due to my earlier conservative approach and even now am having the tax benefit as the FDs are on my wife's name where we do get the tax benefit. Also started significant portion into MFs which is a portfolio by itself of nearly 50 lac INR. My question is, I want to plan for my younger son's future and our retirement which almost have the same time duration of about 12-13 years. How can I go for my investment if am looking for around 5-7 crore of corpus by then ? What options could you provide me assuming I do have good risk apettite now as I have seen a good 5 year cycle in the MFs now. I want you suggest 2 options, 1 - With a fresh investment now and the products which I should go around and 2 - If you advise to use the fixed deposits also to contribute to the wealth creation ( I have a total of around 60-70 lac as FDs). So please suggest a good portfolio with the above 2 scenarios.
Ans: You've done a commendable job so far in building your savings and investments. With a portfolio of Rs 50 lakh in mutual funds and Rs 60-70 lakh in fixed deposits (FDs), you've laid a solid foundation. Your objective to accumulate Rs 5-7 crore in the next 12-13 years for your younger son's future and your retirement is achievable, especially given your increased risk appetite.

Your query suggests two distinct paths:

Investing fresh capital with a focus on wealth creation.

Utilizing your existing fixed deposits to further contribute to your investment goals.

Let's explore both options in detail.

Option 1: Fresh Investment Strategy
Given your higher risk appetite and experience with mutual funds, focusing on equity-oriented investments is prudent. Here's how you can structure your portfolio:

1. Diversification Across Mutual Funds
Mutual funds are excellent for long-term wealth creation, especially for investors like you with a good risk appetite. Your portfolio should include:

Large-Cap Funds: These funds provide stability and consistent returns by investing in large, established companies.

Mid-Cap and Small-Cap Funds: These funds are more volatile but offer higher growth potential. Include them for capital appreciation over the long term.

Multi-Cap or Flexi-Cap Funds: These funds allow fund managers to invest across market capitalizations, providing a balanced approach.

Sectoral or Thematic Funds: Allocate a smaller portion to sectors that align with your views on future growth potential, like technology or healthcare.

2. Systematic Investment Plans (SIPs)
Starting fresh SIPs in the funds mentioned above will allow you to invest consistently over time. This helps in averaging out market volatility and building a substantial corpus.

Set Clear SIP Amounts: Based on your goal of Rs 5-7 crore, calculate the required SIP amount. Your Certified Financial Planner (CFP) can assist in determining the precise amount, considering your existing investments.

Monitor and Rebalance: Regularly review your portfolio’s performance and rebalance if necessary. This ensures your investments stay aligned with your goals.

3. Consider Balanced or Hybrid Funds
Balanced or hybrid funds invest in a mix of equities and debt instruments. They provide a cushion during market downturns, making them a suitable option for part of your portfolio.

Option 2: Utilizing Fixed Deposits
Your current FDs offer safety, but they might not deliver the returns needed to meet your Rs 5-7 crore target. Let's consider how you can strategically utilize them:

1. Partial Redemption and Reallocation
Redeem Part of Your FDs: Consider breaking a portion of your FDs, especially those with lower interest rates. Reallocate these funds into higher-yielding investment options like mutual funds.

Systematic Transfer Plan (STP): If you're hesitant to move a large sum into mutual funds at once, use an STP. Transfer money from a debt fund to equity funds systematically, reducing market timing risk.

2. Maintain a Safety Net
Emergency Fund: Retain a portion of your FDs as an emergency fund. This should cover at least 6-12 months of expenses, ensuring financial security.

Senior Citizen Savings Scheme (SCSS): For a portion of your FDs, consider reinvesting in safer options like SCSS once you or your spouse reach the eligible age. It offers higher interest rates than regular FDs and tax benefits under Section 80C.

Evaluating Direct and Regular Funds
Since you've been investing in mutual funds, it's important to address the choice between direct and regular funds:

1. Direct Funds
Lower Expense Ratios: Direct funds have lower expense ratios since they don't involve intermediaries. However, this doesn't always translate to better returns. Managing investments without professional guidance can lead to suboptimal decisions.

Self-Management Challenges: Direct funds require constant monitoring and active decision-making. If you're not equipped with the time or expertise, it might not be the best route.

2. Regular Funds with a CFP
Professional Guidance: Investing through regular funds with a Certified Financial Planner (CFP) ensures professional oversight. Your investments are aligned with your goals, and portfolio adjustments are made as needed.

Long-Term Support: A CFP provides ongoing support, helping you navigate market changes, tax implications, and any financial challenges that arise.

Final Insights
Building a corpus of Rs 5-7 crore in 12-13 years is achievable with the right strategy. By leveraging your existing assets and investing fresh capital wisely, you can meet both your retirement and your son's educational needs.

Here’s a summary of the recommended approach:

Diversify across large-cap, mid-cap, small-cap, and multi-cap mutual funds.

Start new SIPs and regularly monitor and rebalance your portfolio.

Consider balanced or hybrid funds for added stability.

Utilize a portion of your FDs through partial redemption and STP.

Retain some FDs as an emergency fund and consider safer reinvestment options like SCSS.

Choose regular funds with CFP support for ongoing professional guidance.

Your financial journey is already on the right path. With disciplined investing and strategic decisions, you can confidently achieve your long-term goals.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |8608 Answers  |Ask -

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

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Hello Hemant, Greetings. Request a serious suggestion on my investment planning. Have majority of my savings into FDs due to my earlier conservative approach and even now am having the tax benefit as the FDs are on my wife's name where we do get the tax benefit. Also started significant portion into MFs which is a portfolio by itself of nearly 50 lac INR. My question is, I want to plan for my younger son's future and our retirement which almost have the same time duration of about 12-13 years. How can I go for my investment if am looking for around 5-7 crore of corpus by then ? What options could you provide me assuming I do have good risk apettite now as I have seen a good 5 year cycle in the MFs now. I want you suggest 2 options, 1 - With a fresh investment now and the products which I should go around and 2 - If you advise to use the fixed deposits also to contribute to the wealth creation ( I have a total of around 60-70 lac as FDs). So please suggest a good portfolio with the above 2 scenarios.
Ans: Given your risk appetite and investment horizon of 12-13 years, here are two investment strategies to achieve a corpus of 5-7 crore:

Option 1: Fresh Investment

Equity Mutual Funds: Allocate 60% of the portfolio (30 lac) to diversified equity mutual funds with a proven track record.
Direct Equity: Invest 20% (10 lac) directly in blue-chip stocks or through a well-researched stock portfolio.
Debt Mutual Funds: Allocate 10% (5 lac) to debt funds for stability and to balance the portfolio.
Gold or Gold ETFs: Allocate 10% (5 lac) to gold as a hedge against market volatility and inflation.
Option 2: Utilizing FDs

Equity Mutual Funds: Transfer 50% of the FDs (30-35 lac) into diversified equity mutual funds.
Debt Mutual Funds: Transfer 30% (20-25 lac) to debt funds for stability.
Direct Equity: Invest 10% (5-7 lac) directly in blue-chip stocks or a stock portfolio.
Gold or Gold ETFs: Allocate 10% (5-7 lac) to gold.
Regularly review and rebalance the portfolio to maintain the desired asset allocation. Consider SIPs for equity investments to take advantage of rupee-cost averaging. Consult with a Certified Financial Planner to tailor the investment strategy to your specific needs and objectives.

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Nayagam P P  |5507 Answers  |Ask -

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I'm getting CSE Core at JSS University , CSE with Cyber Security at JIIT , CSE core in VIT Bhopal in category 2, and CSE Core in ABESIT. Which one should i choose?
Ans: VIT Bhopal’s Computer Science and Engineering (CSE) program offers a centralized placement system shared with VIT Vellore, attracting top recruiters like Microsoft, Amazon, TCS, and Infosys. While placements vary, 70–90% of CSE students secure roles, with internships at firms like Google, Adobe, and JP Morgan integrated into the curriculum. The campus features modern infrastructure, including advanced labs (IoT, AI/ML, Gaming Studio), Wi-Fi-enabled hostels, and a 600-seat auditorium, though sports facilities remain under development. Faculty members hold doctorate qualifications and emphasize industry-aligned learning, though some students report inconsistent academic support. The remote location (Bhopal-Indore highway) limits urban amenities but provides a serene, security-focused environment. Campus life includes tech clubs, hackathons, and festivals, though social activities are less vibrant compared to older VIT campuses. While CSE specializations (AI/ML, Cybersecurity) are well-structured, competition for core roles is intense, requiring students to maintain strong academic performance. Prospective students should weigh the centralized placement opportunities against the evolving campus infrastructure and location constraints. Prioritize JSS Mysore for balanced academics and placements, followed by JIIT Noida for specialization options. VIT Bhopal is ideal for brand-driven opportunities, while ABESIT serves as a pragmatic backup. All the BEST for your Admission & Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |8608 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2025

Money
sir, am 26 year old and have some SIPs for Rs 1000 each. 1. QUANT SMALL CAP FUND DIRECT 2. NIPPON INDIA LARGE CAP DIRECT 3. MIRAE ASSEST ELSS TAX SAVER 4. UTI NIFTY 50 5. PARAG PARIKH FLEXI CAP 6. TATA MIDCAP GROWTH DIRECT 7. TATA SMALL CAP DIRECT my question is, these are good SIPs for next 10-15 years ? second is i want to invest 10000 more per month, please let me know which SIPs will be good for next 15 years. Thanks
Ans: At age 26, it is appreciable that you have started investing early.

It shows responsibility towards your future financial goals.

Your current SIPs are diversified across multiple categories.

But some of these SIPs may not be aligned well for long-term consistency.

Let us now review each one professionally.

1. Quant Small Cap Fund - Direct

Small caps can be volatile.

This fund is aggressive and high-risk.

Direct plans have no guidance or monitoring.

This may affect long-term performance.

Switching to a regular plan with a Certified Financial Planner is better.

This will ensure proper guidance and rebalancing.

2. Nippon India Large Cap - Direct

Large caps offer stability in a portfolio.

However, this fund’s long-term consistency is not very strong.

Also, direct plans lack expert monitoring.

A regular plan through a CFP ensures better handholding.

Tracking and performance review becomes easier.

3. Mirae Asset ELSS Tax Saver

This fund is decent for tax saving.

It is diversified and has shown fair returns.

However, regular review is still needed.

A regular plan helps with documentation and timely alerts.

Switching to regular mode can be beneficial in the long run.

4. UTI Nifty 50 - Direct

This is an index fund.

Index funds only mirror the market.

They do not aim to beat the market.

They lack human intelligence and flexibility.

They don’t perform well during corrections or sideways markets.

Actively managed funds have higher potential.

They can outperform in changing market situations.

Consider replacing this with a well-managed large cap fund.

In regular plan through CFP, you get guided fund selection.

5. Parag Parikh Flexi Cap

Flexi cap funds provide flexibility across market segments.

This fund has been popular recently.

But it has higher exposure to international stocks.

This brings currency risk and regulatory risks.

Also, it may overlap with other holdings.

You should regularly monitor for overlap and concentration.

Again, direct mode has no professional review.

6. Tata Midcap Growth - Direct

Midcaps are good for long-term.

But they need close tracking due to higher volatility.

A regular plan with expert guidance is ideal.

Direct mode will not help during market correction periods.

Switching to regular mode will ensure ongoing support.

7. Tata Small Cap - Direct

Small caps are risky in short to medium term.

This should not be your core holding.

Should be allocated only with close guidance.

Again, direct plans can go off-track without support.

If unmanaged, can bring portfolio imbalance.

Assessment of Direct Funds: Key Concerns

Direct funds may look cheaper in expense.

But they lack professional support and review.

There is no monitoring of changes in fund quality.

You may miss timely exits and rebalancing.

A Certified Financial Planner guides with logic and analysis.

They also help align your funds with your goals.

Regular plans have MFD support and rebalancing discipline.

They protect from behavioural mistakes during market volatility.

Overall, regular funds with expert guidance bring higher net value.

What Can Be Done with Your Existing SIPs?

You can consider the following changes:

Discontinue index fund (UTI Nifty 50) SIP.

   

Reduce exposure to direct small and midcap funds.

   

Switch from direct plans to regular plans via a Certified Financial Planner.

   

Ensure SIPs are part of a professionally constructed portfolio.

   

Ensure proper asset allocation, fund category balancing and tax efficiency.

   

New SIP of Rs 10,000 per Month – Suggestions

For your new Rs 10,000 monthly SIP, here is a 360-degree plan:

Allocate across diversified categories.

   

Ensure each fund has low overlap and different market focus.

   

Invest in 3 to 4 funds max.

   

All in regular mode with CFP-led support.

   

Avoid index funds, as they only match market returns.

   

Go for actively managed funds with proven history.

   

Include large-cap, mid-cap and flexi-cap mix.

   

Monitor quarterly with your Certified Financial Planner.

   

Additional Guidance for 15-Year Wealth Building

At 26, your time horizon is excellent.

But long-term wealth creation needs more than just SIPs.

It needs strategy and discipline.

Below are key steps for a full-circle approach:

Set clear financial goals: Home, car, retirement, child education etc.

   

Link SIPs to each goal separately.

   

Keep emergency fund in place (6 months expenses).

   

Get sufficient life and health insurance (pure protection plans).

   

Avoid investment-cum-insurance products.

   

They give low returns and poor insurance.

   

Do not mix insurance with investment.

   

Track your SIP performance annually.

   

Rebalance if some funds underperform.

   

Maintain asset allocation: Equity, Debt and Liquid.

   

Avoid emotional reactions during market dips.

   

Stay invested with guidance from your CFP.

   

Be aware of taxation rules on equity and debt funds.

   

LTCG on equity above Rs 1.25 lakh is taxed at 12.5%.

   

STCG on equity is taxed at 20%.

   

Debt fund gains are taxed as per income slab.

   

Regular plan MFD and CFP helps with all tax planning.

   

What Not to Do in the Next 15 Years

Don’t invest in index funds.

   

They lack active strategy.

   

Don’t choose funds by past returns only.

   

Don’t use direct funds without financial expertise.

   

Don’t invest in real estate for returns.

   

Don’t invest in annuity products for retirement.

   

Don’t mix investment and insurance.

   

Don’t make decisions based on short-term news or noise.

   

Don’t stop SIPs during market corrections.

   

Role of a Certified Financial Planner

A Certified Financial Planner helps you:

Set goals based on life stages.

   

Create custom SIP and lump sum plans.

   

Select the best active funds for your goals.

   

Rebalance annually to stay on track.

   

Plan taxes as per latest rules.

   

Protect wealth with right insurances.

   

Build retirement with strategic planning.

   

Create a total financial blueprint for life.

   

Keep emotions out of financial decisions.

   

Final Insights

You have taken a great step by starting early.

But choosing the right funds is key.

More important is monitoring them regularly.

Direct plans lack this important support.

Switching to regular plans under CFP brings value.

Also, add Rs 10,000 new SIP with proper strategy.

Don’t follow trends.

Stay committed and review annually.

Avoid overlapping funds and unnecessary risks.

Have a complete financial roadmap in place.

You are building your future.

Make each rupee work with expert guidance.

This 360-degree approach will lead to better outcomes.

You will be financially secure and confident.

Take the next steps with clarity and care.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8608 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2025

Asked by Anonymous - May 30, 2025
Money
Dear Sir I had ancestral property at native place which fetch 14K Rent monthly...Property is 40Years old.. Will it be good If I sell that property for 70Lakh and keep that money in Balanced fund or in NPS account
Ans: You are thinking wisely about your assets.

Let’s look at this from a 360-degree perspective.

Rental Income vs Sale Value

The property gives you Rs. 14,000 monthly rent.

That is Rs. 1.68 lakhs per year.

Over 10 years, you may earn Rs. 16 to 18 lakhs from rent.

Maintenance cost, property tax, and repairs will reduce this further.

Also, a 40-year-old property needs more upkeep.

Its resale value may not grow much more from here.

Selling now for Rs. 70 lakhs gives you full value in hand.

You can use that money in better investment options.

Emotional Value vs Financial Value

Being ancestral property, emotions may be attached.

But emotional value won’t solve financial needs.

If the property is not well located or not appreciating well, selling is practical.

You can honour the legacy in other ways.

Should You Invest in NPS?

NPS is a retirement tool with lock-in till age 60.

You can’t withdraw freely.

It is good for building a pension corpus.

But not suitable if you want liquidity or flexibility.

Once you invest, you cannot move the funds easily.

Also, returns are not consistent. Depends on market and fund manager.

Use NPS only for a part of your funds if your retirement goal is clear.

Should You Put in Balanced Funds?

Balanced funds (also called hybrid funds) invest in both equity and debt.

They are good for moderate risk and stable returns.

Suitable for long-term goals like retirement, child's education, or financial freedom.

They give better return than traditional options.

But don’t invest in direct plans.

Direct funds don’t guide during volatility.

Regular plans through MFD with CFP support are better.

You get timely advice and fund switching support.

Active fund managers make strategy changes.

Index funds or passive options don’t do that.

Actively managed balanced funds are better for Indian investors.

What You Should Do Now

Sell the property if there’s no growth and rising maintenance.

Use part of the Rs. 70 lakhs to reduce any high-interest debt.

Keep 6 to 12 months of expenses as emergency fund in liquid mutual fund.

Invest the rest through SIP and STP in regular hybrid funds.

Plan your financial goals with a Certified Financial Planner.

For retirement, use mutual funds along with PPF and EPF.

Use NPS for small part only, due to lack of liquidity.

Tax Impact You Should Know

On sale, capital gains tax will apply.

Since it's ancestral property, indexed cost and holding period matter.

Tax can be planned using capital gain bonds or reinvestment.

Don’t keep all money in savings account. Plan it step-by-step.

A Suggested Allocation Strategy (Not Specific Schemes)

Rs. 10 to 15 lakhs – emergency and contingency in liquid or short-term fund.

Rs. 40 to 45 lakhs – invest gradually in hybrid and multicap mutual funds.

Rs. 10 lakhs – use for NPS only if you have no urgent needs till age 60.

Avoid direct funds, index funds, or annuity options.

Use regular funds via MFD under CFP guidance.

Final Insights

Selling old property and investing is a progressive step.

You are unlocking stuck value into a growing asset.

Old assets slow down your money’s growth.

Balanced mutual funds help you grow with moderate risk.

NPS gives tax benefit but lacks flexibility.

Don’t invest entire money in NPS. Use mix of better tools.

Avoid emotional attachment if the property is non-performing.

Turn this decision into a lifetime opportunity.

Your wealth deserves active planning, not passive holding.

Take support from a Certified Financial Planner to execute wisely.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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Dr Upneet Kaur  |40 Answers  |Ask -

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Nayagam P

Nayagam P P  |5507 Answers  |Ask -

Career Counsellor - Answered on May 30, 2025

Career
I have 142 marks in MET and 76% in boards. Is it possible for me to get in CSE ( or any specialization like AI/ML or financial technology ) at the main campus? If not should I go for Bengluru campus?
Ans: Sneh, With 142 MET marks (expected rank ~2,001–4,500) and 76% in boards, admission to CSE, AI/ML, or Financial Technology at MIT Manipal (main campus) is unlikely, as the 2024 closing ranks for these branches were CSE: 1,633, AI/ML: 2,255, and Financial Tech: 3,189. However, MIT Bengaluru offers viable alternatives, with 2024 cutoffs of CSE: 5,687, AI/ML: 7,244, and Financial Tech: 9,116, all within your rank range. While the main campus remains competitive, Bengaluru provides comparable academic rigor and industry exposure, albeit with marginally lower placement averages. During MET counselling, prioritize CSE at Bengaluru or specialized branches like AI/ML/Financial Tech as achievable options. If preferring Manipal, explore non-CSE branches (e.g., IT, Electronics) with lower cutoffs (~4,500–5,148) or monitor spot rounds for potential vacancies. Your board percentage meets the eligibility criteria (50% PCM), so strategically rank preferences during counselling to optimize admission prospects. Bengaluru serves as a strong backup with aligned opportunities, ensuring a balance between campus reputation and program accessibility.

All the BEST for your Admission & Prosperous Future!

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

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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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