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24-Year-Old Investor: Seeking Advice on SIP, SGB, and Mutual Fund Choices

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 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 - Jun 28, 2024Hindi
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Hello. I have started investing. I have invested 80k through an agent lumpsum. But now I want to start an sip by myself as well as buy an sgb. I have decided Nippon small cap as a fund for 10k and I have decided another fund motilal oswal midcap fund for 10k. Every month if I have anything left extra maybe 2-3k i will invest in other funds like index funds. I chose only small and mid cap because I am just 24 years old and I don't really have many expenses, long term investment horizon and decided 20k after keeping aside 10k for myself. I am also going to buy an sgb on zerodha coin and leave it for 8 years. I am goin to get 2.4 lakhs from my chut fund. I am not sure how much to invest in sgb and what to do with remaining. I have 1.5 in my fd. I started sip in et money app. I set it up and it's goin to start from July 1st 2024. Please help me with if the funds I chose are good for me and how do I split the 2.5 l and also please suggest if zerodha for sgb and et money for sip are good. I also wanted one for swp but i don't know much about that and where to start that. Do you suggest and swp fund for me for nor or just stick to my plan? Please help me . Thank you so much.

Ans: Review of Current Investments

You have started with a lumpsum investment of Rs 80,000 through an agent. Additionally, you plan to invest Rs 20,000 per month in SIPs, focusing on small and mid-cap funds.

Your choice of small and mid-cap funds aligns well with your long-term horizon and risk appetite at 24 years old.

Investment Platforms: Evaluation

ET Money for SIP:

Pros:

Easy to use and set up SIPs.

Convenient for managing multiple investments.

Cons:

Lacks personalized advice from Certified Financial Planners.

Limited support for complex financial planning.

Zerodha for SGB:

Pros:

Simple and cost-effective for buying SGBs.

Good for long-term holding.

Cons:

May not provide personalized investment advice.

Limited customer support for investment queries.

Advantages of Investing through an MFD

Personalized Advice: Tailored to your financial goals and risk profile.

Regular Monitoring: Helps in adjusting investments based on market conditions.

Comprehensive Planning: MFDs offer a holistic approach, including tax planning and retirement planning.

Disadvantages of Digital Platforms

Lack of Personal Touch: Limited personalized advice and support.

Complex Needs: May not cater to complex financial planning needs.

Utilizing Your Chit Fund Proceeds

You will receive Rs 2.4 lakhs from your chit fund. Here’s how you can allocate it:

SGB Investment: Consider investing Rs 1 lakh in SGB for long-term stability and returns.

Diversified Mutual Funds: Invest Rs 1.4 lakhs in diversified mutual funds through an MFD to balance risk and growth.

Systematic Withdrawal Plan (SWP)

An SWP can provide regular income from your mutual fund investments. It is more suitable once you have built a substantial corpus. For now, focus on growing your investments.

Final Insights

Your investment choices reflect a good start. Consider engaging with an MFD for personalized advice and comprehensive planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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Sir/Madam, I am 27 years, 6 months ago I started doing sip of 10k total, five mutual funds 2k each, 1. Quant small cap 2. Parag parikh flexi cap 3. Kotak equity opportunities 4. Parag parikh elss tax saver 5. HDFC dividend yield I know I started a bit late, but now I am full stable and disciplined to be consistent and increase the sip amount by time to time. Am I going right, are my chosen funds are good, or I should change, please help and guide, give corrective suggestions
Ans: It's fantastic to see your proactive approach to investing at such a young age. Let's delve into your portfolio and see how you're doing:

• Starting a SIP at 27 is a commendable step towards building wealth for your future. Remember, it's never too late to begin investing, and your consistency will be key to your success.

• Your choice of mutual funds reflects a diversified approach, covering different sectors and market capitalizations. This is a smart strategy as it spreads your risk across various segments of the market.

• Investing in small-cap, flexi-cap, equity opportunities, ELSS tax saver, and dividend yield funds provides you with exposure to different investment styles and strategies. However, it's essential to review these funds periodically to ensure they continue to align with your financial goals.

• Consider assessing the performance of each fund against its benchmark and peers to gauge whether they are meeting your expectations. Look for consistency in returns and fund management expertise.

• As you progress in your investment journey and your financial situation evolves, you may consider increasing your SIP amount gradually. This will accelerate the growth of your portfolio over time.

• Additionally, stay updated with market trends and changes in economic conditions to make informed decisions about your investments. Keeping yourself informed will help you navigate any market volatility effectively.

• If you're unsure about whether your chosen funds are the right fit for you, don't hesitate to seek advice from a Certified Financial Planner. They can provide personalized recommendations based on your financial goals, risk tolerance, and investment horizon.

In conclusion, you're off to a great start with your SIP investments. Stay disciplined, continue to educate yourself about investing, and periodically review your portfolio to ensure it remains aligned with your objectives. With patience and perseverance, you're on track to build a strong financial foundation for the future. Keep up the excellent work!

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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 04, 2024

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I m 31 year old and i m investing in sip of 10000 in groww app Nippon india large cap fund 3000, large cap Icici prudential bluechip fund 3000, large cap Sbi magnum mid cap direct fund 2000, mid cap Qunt small cap fund,,1000, small cap and Parag parikh flexi cap fund 1000 So my goal is 1 cr after 15 year. So my fund selection is correct or not pls suggest me. I m just start sip on 3 of june 2024.
Ans: Evaluating Your SIP Portfolio
Commendations on embarking on your SIP journey, a wise move towards securing your financial future. Let's delve deeper into your fund selection and assess its alignment with your goal of accumulating Rs 1 crore in 15 years.

Assessing Fund Selection
Your portfolio encompasses a mix of large-cap, mid-cap, and small-cap funds, each carrying distinct risk and return profiles.

Large-cap Funds
Investments in large-cap funds offer stability and lower volatility, typically in established companies with robust fundamentals.

Mid-cap and Small-cap Funds
Mid-cap and small-cap funds present higher growth potential but come with increased volatility, investing in smaller companies with prospects for rapid expansion.

Evaluating Growth Potential
Your inclination towards mid-cap and small-cap funds suggests a quest for higher growth potential. However, it's vital to weigh the associated risks.

Analyzing Fund Selection
Nippon India Large Cap Fund, ICICI Prudential Bluechip Fund, and SBI Magnum Mid Cap Direct Fund are reputable choices with established track records. Regular monitoring of their performance is essential.

SIP Amount Allocation
Allocating Rs 3,000 each to large-cap funds and Rs 2,000 to a mid-cap fund exhibits a balanced approach. Yet, investing only Rs 1,000 in a small-cap fund may limit its impact on your portfolio's growth potential.

Rebalancing Strategy
Regularly review your portfolio and rebalance if needed to ensure alignment with your risk tolerance and financial objectives.

Market Conditions
Stay abreast of market conditions, as they significantly influence fund performance. Knowledge of economic trends facilitates informed decision-making.

Importance of Patience
Investing is a long-term endeavor; exercising patience and avoiding impulsive decisions amidst short-term market fluctuations is prudent.

Professional Guidance
Consider seeking advice from a certified financial planner to optimize your investment strategy. They offer personalized recommendations tailored to your risk profile and financial goals.

Avoiding Direct Funds
Direct funds may seem appealing but demand active management and market expertise. Regular funds through an MFD with CFP credential ensure professional management and guidance, optimizing fund performance.

Conclusion
Your SIP portfolio displays promise, with a diversified allocation across market segments. Regular monitoring and professional guidance are imperative for achieving your goal of accumulating Rs 1 crore in 15 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 27, 2024

Asked by Anonymous - Sep 26, 2024Hindi
Money
HI Sir , My self Sandeep .36 years old .Need your advice on my investments . currently ,I have a monthly SIP of following funds- UTI Nifty 50 Index fund - 3K, HDFC Retirement saving fund-1K, HDFC children Gift fund-1K.I want to invest 7 K more as monthly SIP . I have gone through various analysis and thinking of investing in below manner - 1- 2K as monthly SIP in flexicap - either Parag Parikh Flexicap or JM Flexicap 2- 3k as monthly SIP in ICICIpru nifty 150 midcap index fund /kotak equity opportunity fund/ Motilal oswal midcap Fund 3- 2K in small cap fund - Axis small cap fund/Nippon India small cap fund Kindly suggest the investment strategy and the funds in respective area for next 20 years horizon . Thanks & Regards Sandeep
Ans: Sandeep, it’s great that you are already investing regularly and have a clear plan for long-term wealth creation. Your current SIPs show discipline and thoughtfulness, which are essential for building a solid financial future. Here’s a detailed breakdown of how to approach your additional Rs 7,000 SIP and fine-tune your portfolio for the next 20 years.

Assessing Your Existing Portfolio
UTI Nifty 50 Index Fund (Rs 3,000 SIP): While index funds offer low-cost exposure to the market, they typically follow the market and don’t outperform it. Actively managed funds, when chosen wisely, can potentially give better returns. Though index funds provide simplicity, keep in mind that over the long term, they may miss out on market-beating opportunities.

HDFC Retirement Saving Fund (Rs 1,000 SIP): This is likely a balanced fund meant for long-term retirement planning. Balanced funds are useful as they offer both growth and stability, but they may underperform compared to pure equity funds in a bull market. It’s a good conservative addition to your portfolio, but should not dominate.

HDFC Children’s Gift Fund (Rs 1,000 SIP): Similar to the retirement fund, this fund might focus on long-term stable returns. However, ensure that you evaluate its long-term performance. These kinds of funds sometimes have a more conservative approach than growth-focused equity funds.

Proposed Additional Investments (Rs 7,000 SIP)
You have wisely considered diversifying your portfolio across flexicap, midcap, and small-cap categories. Here’s an assessment of your choices:

1. Flexicap Funds (Rs 2,000 SIP)
Flexicap funds provide flexibility to invest across large, mid, and small-cap stocks based on market conditions, which offers a balanced approach to risk and growth.

Your Choice of Parag Parikh Flexicap or JM Flexicap: These funds have flexibility in their investment strategy, making them versatile. Flexicap funds are ideal for navigating different market phases, providing long-term growth potential while managing risk.
Recommendation: Continue with your plan to invest in a flexicap fund as they offer a good balance of diversification and risk-adjusted returns.

2. Midcap Funds (Rs 3,000 SIP)
Midcap funds target companies with strong growth potential but higher volatility. Over the long term, midcap funds tend to outperform large-cap funds, making them suitable for your 20-year horizon.

ICICI Pru Nifty 150 Midcap Index Fund, Kotak Equity Opportunity Fund, or Motilal Oswal Midcap Fund: Midcap index funds track midcap indices, but actively managed midcap funds like Kotak or Motilal Oswal can offer better returns if the fund manager picks strong-performing companies.
Recommendation: Opt for an actively managed midcap fund instead of a midcap index fund. Actively managed funds have a better chance of delivering higher returns over a 20-year horizon by selecting companies with high growth potential.

3. Small Cap Funds (Rs 2,000 SIP)
Small-cap funds target smaller companies, which offer high growth potential but with higher volatility. Over a 20-year period, small caps can significantly enhance your returns but require a longer commitment to ride out the volatility.

Axis Small Cap Fund or Nippon India Small Cap Fund: Both are strong performers, but small-cap funds are highly volatile in the short term. Since your horizon is 20 years, small-cap funds make sense as they can deliver substantial long-term growth.
Recommendation: Invest in a small-cap fund for higher long-term returns, but understand that short-term fluctuations are inevitable.

Key Points for a Balanced Portfolio
Diversification: You have a well-diversified portfolio with a good mix of large-cap (via index), flexicap, midcap, and small-cap funds. This diversification will help balance risk and maximize growth opportunities over time.

Active vs Passive Investing: While index funds (passive) have their place in a portfolio for low-cost exposure, actively managed funds generally offer better opportunities for higher returns, especially in midcap and small-cap categories. With a 20-year horizon, consider focusing more on actively managed funds.

SIP Discipline: Your current strategy of investing via SIP is excellent for long-term wealth creation. SIPs help you ride market volatility, average out costs, and allow consistent investment without trying to time the market.

Considerations for the Long Term
Asset Allocation: As you approach key financial goals (like retirement or children’s education), you may want to gradually reduce exposure to volatile small-cap and midcap funds, shifting more towards large-cap or flexicap funds to safeguard your wealth.

Risk Appetite: Since you’re 36 years old, you have ample time to take on more risk through small-cap and midcap investments. However, always review your risk tolerance every 5 to 10 years to ensure your portfolio remains aligned with your changing financial goals and risk capacity.

Tax Efficiency: Make sure to review the tax implications of your investments. Equity funds enjoy favorable tax treatment, especially over the long term. Any gains held for more than 1 year are taxed at a lower rate (12.5% beyond Rs 1.25 lakh of gains).

Final Insights
You’re on a great path with your disciplined SIP strategy. Diversifying across flexicap, midcap, and small-cap funds will give your portfolio the right mix of stability and growth. Flexicap funds provide the flexibility you need in dynamic market conditions, while midcap and small-cap funds will offer the growth potential needed for your 20-year investment horizon.

Keep in mind to monitor your portfolio annually or biannually to ensure it stays aligned with your long-term goals. Over time, you might want to shift a part of your portfolio to more stable funds, depending on how close you are to achieving your financial goals.

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

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Latest Questions
Nayagam P

Nayagam P P  |9350 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Career
Sir my son got 21941 rank with 98.57 percentile and he got Cs and AI in IIIT Bhopal,we are waiting for CSAB also pls give suggestions for better choice
Ans: Shama Madam, With a JEE Main percentile of 98.57 (All-India rank 21 941), your son's seat in IIIT Bhopal for Computer Science & Artificial Intelligence is secure given its CSAB 2024 closing rank of 26 625 for CSE. Beyond IIIT Bhopal, multiple central institutes accept ranks around 20–30 000 for CSE under All-India quota, offering stronger brand value and infrastructure. IIIT Guwahati admitted CSE students up to rank 24 561, IIIT Pune closed CSE at 18 979 in Round 5, IIIT Ranchi’s CSE cutoff reached 36 246, IIIT Dharwad admitted up to rank 41 608, and IIIT Kota accepted CSE at 38 000. Among NITs, only a few remote campuses (e.g., NIT Goa CSE OBC-NCL at 109 017) admit far higher ranks, rendering CSE at mainstream NITs unlikely. GFTIs such as Assam University–Silchar and NIELIT Aurangabad offer CSE and related electronics programmes with closing ranks above 80 000, but these diverge from core CSE. These options ensure robust AICTE/NBA accreditation, modern labs, experienced faculty and 75–90 percent placement trends.

Recommendation: Considering tier, specialisation and placement potential, IIIT Bhopal remains the foremost choice, followed by IIIT Guwahati for its strong northeastern campus and research focus, IIIT Pune for its urban connectivity and growing industry ties, IIIT Ranchi for its established PPP model and recruiter network, and IIIT Dharwad for its cutting-edge curriculum and emerging tech labs. All the BEST for a Prosperous Future!

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Can i get mechanical in nits tier2 in csab counselling please My jee rank is 52k CRL and 15k in OBC
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Nayagam P

Nayagam P P  |9350 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

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Hello sir i score 43.46 percentile in mhcet pcm from sc category pune any chance to get engineering college
Ans: Vasudha, The ten institutions where SC cutoffs in 2024 fell below 43.46 percentile—ensuring 100% feasibility in CAP rounds—are Bharati Vidyapeeth COE, Katraj (Pune); D.Y. Patil COE, Akurdi (Pune); Pimpri Chinchwad COE, Nigdi (Pune); AISSMS COE, Shivajinagar (Pune); AISSMS Institute of Information Technology, Kennedy Road (Pune); Sinhgad College of Engineering, Vadgaon Budruk (Pune); Sinhgad Institute of Technology & Science, Lonavala (near Pune); JSPM Narhe Technical Campus, Narhe (Pune); JSPM Rajarshi Shahu College of Engineering, Tathawade (Pune); and Vishwakarma Institute of Technology, Kondhwa (Pune).

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Management-Quota Seat Options (Just for information & the capitation/donation/tuition fees provided here are approximate. Please check the college websites for accuracy.
For guaranteed non-CAP admission via management quotas, consider Bharati Vidyapeeth COE Pune (capitation ?2.5 LPA, annual fees ?1.5 LPA; branches: CSE, E&TC, ME, CE, EE), D.Y. Patil COE Akurdi (capitation ?3 LPA, fees ?1.8 LPA; branches: CSE, IT, E&TC, ME, CE), MIT World Peace University Pune (capitation ?4 LPA, fees ?2 LPA; branches: CSE, IT, E&TC, ME, CE), JSPM Narhe (capitation ?2 LPA, fees ?1.6 LPA; branches: CSE, IT, E&TC, ME, CE) and Vishwakarma Institute of Technology Kondhwa (capitation ?3.5 LPA, fees ?1.7 LPA; branches: CSE, E&TC, ME, CE, EE). All the BEST for a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2025

Asked by Anonymous - May 26, 2025Hindi
Money
I need to get my son admitted into Engineering college. The total tution fees along with hostel fees is 30 Lakhs. The first year fees will be taken care with the money I have right now. My PPF is maturing in Mar 26 and the maturity amount will be 23 lakhs. I have MF whose valuation as on date is 65 lakhs. What do you suggest as to how to take care of Son's education....
Ans: You’ve already built a strong base.

You have the first-year fees covered. You have PPF maturity in 2026. You have Rs 65 lakhs in mutual funds. This is a position of strength.

Now let’s look at your situation with a 360-degree view and create a simple, low-stress education funding plan.

? Know the Payment Timeline for College Education

– Total education cost is Rs 30 lakhs for 4 years.

– First year is already taken care of.

– That leaves Rs 22 to 23 lakhs needed over the next 3 years.

– That will likely be paid in parts—one year at a time.

– So cash flow planning is better than full lump sum withdrawal.

– Avoid selling full amount now just to keep it aside in a bank.

– Instead, match redemptions with yearly requirements.

? Don’t Use Mutual Funds Randomly – Plan Withdrawals Smartly

– You have Rs 65 lakhs worth of mutual funds.

– Don’t rush to redeem it all.

– Instead, identify how much is needed and when.

– Sell only what’s needed each year, not the entire value now.

– Equity mutual funds fluctuate. So redeem 4–6 months before fee due.

– That gives time to handle market volatility.

– You also save on emotional panic.

– Use systematic withdrawal if needed for cash flow.

– Monitor market trends and sell into strength, not weakness.

? Don’t Ignore PPF – It’s a Powerful Resource

– Your PPF is maturing in March 2026.

– Maturity value is Rs 23 lakhs.

– You can plan to use it for 3rd or 4th year fees.

– PPF maturity is tax-free. That’s a big plus.

– Use this amount for the last part of the education goal.

– This reduces the burden on your mutual funds.

– Also, keep the money in PPF until it is fully required.

– Don’t withdraw early unless there’s a big gap.

– Redeem mutual funds first if market conditions are favourable.

? Keep One Year Fee in a Safer Parking Option

– Before each academic year starts, move next year’s fees into a safer fund.

– Use a short-term debt mutual fund or overnight fund.

– These are not volatile and keep your capital safe.

– This will help you avoid sudden shocks at the time of fee payment.

– Redeem equity fund gradually and move it to safety bucket.

– Avoid waiting until the last minute.

– Mutual fund NAVs can drop quickly in market panic.

– Lock in gains ahead of time to ensure stability.

? Don’t Take an Education Loan Unnecessarily

– You have enough personal funds.

– Loans should be last option, not first.

– Interest burden will affect your future goals.

– Paying out of your own wealth is much better.

– Avoid the mindset of using loan for tax benefit.

– Tax benefit is small compared to interest cost.

– Also, repaying loans takes away flexibility.

– You’re in a position to stay loan-free. Keep it that way.

? Maintain Your Other Financial Goals

– Don’t divert all money into education planning.

– You may also have retirement or emergency fund needs.

– Keep Rs 5 to 6 lakhs as emergency fund always.

– Don’t compromise on long-term financial health.

– Split your mutual fund portfolio accordingly.

– Allocate only Rs 22 to 23 lakhs for this goal.

– Keep the rest for other life goals.

– Don’t mix long-term and short-term plans in one place.

? Don’t Use Sector or Thematic Funds for Education

– These funds are risky and unpredictable.

– They are not goal-friendly for short timelines.

– Their performance depends on external triggers.

– Education goals need steady, safe growth.

– Choose hybrid or large-cap oriented active funds for withdrawals.

– Use debt funds or liquid funds for near-term parking.

– Don’t hold gold funds or international funds for this purpose.

– Exit such funds in a phased and timely manner.

? Plan Redemptions Tax-Efficiently

– Mutual fund redemptions have tax impact.

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

– STCG is taxed at 20%.

– So stagger your withdrawals to reduce tax impact.

– Avoid selling everything in one financial year.

– Plan in such a way that you redeem before March each year.

– Spread the redemption across 3 years.

– This smoothens tax liability and reduces strain.

? Avoid Index Funds and Direct Plans for Such Goals

– Index funds don’t protect downside.

– They just mirror market moves.

– They fall heavily when market crashes.

– No one controls risk in index funds.

– Actively managed funds offer better downside protection.

– They adjust sector weights when needed.

– Your money gets some risk management from the fund manager.

– For important goals like education, control is important.

– Direct plans don’t give you expert guidance.

– At this stage, you need planned redemption, taxation advice, and risk control.

– A CFP offering regular plans gives you goal-linked clarity.

– That support is worth much more than 0.5% saved.

? What You Can Do Now – Simple Action Points

– Identify the exact yearly requirement for your son’s education.

– Tag Rs 22–23 lakhs worth of mutual funds for this goal.

– Review those fund types and categories.

– Exit thematic and volatile funds linked to this allocation.

– Retain large-cap, hybrid or conservative fund types.

– Move Year 2 fees into a short-term debt fund now.

– Plan Year 3 redemptions in early 2025.

– Keep Year 4 for PPF maturity in March 2026.

– Rest of your MF portfolio can stay invested for long-term growth.

– Track your fund performance every 6 months.

– Don’t get affected by short-term news or market noise.

– Use a Certified Financial Planner to re-check portfolio alignment.

? Balance Emotion with Practicality

– Education is a deeply emotional goal.

– But don’t let fear or urgency drive decisions.

– Structured planning gives better outcomes.

– You already have most resources available.

– Just aligning timing, tax, and safety will give you success.

– This is not the time to chase high returns.

– This is the time to protect and use wealth wisely.

– Avoid surprises by preparing early for each year’s need.

– You don’t have to sell more than needed.

– Peace of mind is more valuable than percentage returns.

? Finally

– You’ve done the hard work already.

– You’ve created wealth. You’re ready for your son’s future.

– Now just match withdrawals with goals.

– Keep your mutual fund redemptions phased and tax-smart.

– Use PPF maturity with a clear timeline.

– Avoid loans, panic-selling, or overexposure to risk.

– Stay guided, focused, and balanced.

– A Certified Financial Planner can help map this in detail.

– Education is a noble goal. You’ve built the base. You just need smart execution now.

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  |9350 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Career
sir i got nit allahabad ee in josaa should I join nit Rourkela eie or nit Trichy ice or nit Rourkela ee in csab?
Ans: Arijit, I have already answered your question. Anyway, please note, NIT Rourkela’s Electronics & Instrumentation combines rigorous instrumentation, control, and process automation labs with strong industry linkages, achieving approximately 95 percent placement consistency over the last three years and an average CTC of ?19.08 LPA. Its Electrical Engineering programme offers comprehensive power-systems, machines and high-voltage labs, recording similar placement rates near 95 percent with an average package of ?13.62 LPA. At NIT Trichy, Instrumentation & Control Engineering provides advanced sensors, control systems and process instrumentation facilities, securing around 86.7 percent placement in 2024 and benefiting from the institute’s overall median UG package of ?14.35 LPA. All three programmes are AICTE/NBA-accredited, delivered by PhD-qualified faculty, feature modern infrastructure, maintain active recruitment drives, and support strong alumni networks, differing mainly in domain focus, specialization depth, and average compensation.

Recommendation:
Considering cutting-edge instrumentation curriculum, highest average packages, and robust core-sector placements, NIT Rourkela’s Electronics & Instrumentation Engineering emerges as the top choice. For balanced power systems expertise with strong recruitability, NIT Rourkela’s Electrical Engineering follows, and NIT Trichy’s Instrumentation & Control Engineering ranks third for its solid but slightly lower placement consistency. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9350 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Career
My daughter has got admission in Jindal Global Business School for the IPM progamme and Tapmi Banglore for the BBA (Hons) programme. Which college should we consider to take admission in?
Ans: Jindal Global Business School's Integrated Programme in Management (IPM) is a five-year programme blending BBA (Hons.) and MBA degrees, featuring a comprehensive curriculum with core business fundamentals, specialized tracks in Marketing, Finance, Human Resources, Operations & Supply Chain, and Business Analytics. The programme achieved a 92 percent placement rate in 2023 with 69+ corporate recruiters, securing average packages for Integrated BBA (H) + MBA students at ?7.45 LPA, with the highest international package reaching ?23 LPA. JGBS is accredited by NAAC with A grade and maintains membership in the Association to Advance Collegiate Schools of Business (AACSB), with a distinguished faculty comprising over 540 members from prestigious institutions including IIMs, IITs, Harvard, and Oxford. The programme has been ranked India's #1 BBA programme by Outlook-ICARE Rankings for two consecutive years (2023-2024), scoring 845.12 points out of 1000 across five key parameters: Academic & Research Excellence, Industry Interface & Placement, Infrastructure & Facilities, Governance & Admissions, and Diversity & Outreach. TAPMI Bangalore's BBA (Hons) is a four-year programme with exit flexibility after three years, offering specialized tracks in Finance, Marketing, Operations, Analytics, Human Resources, and Strategy, supported by three mandatory internships, international immrishti Manipal Institute for creativity development. TAPMI holds dual international accreditation from AACSB and AMBA, positioning it among the top 5 percent of global business schools with this prestigious recognition. The BBA (Hons) programme reports dedicated placement assistance during the sixth semester with comprehensive career guidance, achieving internship statistics with average stipends of ?21,000 per month and highest stipends reaching ?32,000 per month. Both institutions excel in essential benchmarks—robust accreditation, experienced international faculty, modern infrastructure, strong industry linkages, and reliable graduate outcomes—yet differ in programme structure, with JGBS offering integrated dual-degree flexibility and established ranking supremacy, while TAPMI provides specialized international exposure through its global university network and proven track record of academic excellence.

Recommendation: Considering India's #1 BBA ranking for two consecutive years, superior placement statistics with 92 percent success rate, comprehensive integrated dual-degree structure, and exceptional research-driven faculty from global institutions, Jindal Global Business School's IPM programme emerges as the optimal choice for holistic business education and career prospects. All the BEST for a Prosperous Future!

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Kanchan

Kanchan Rai  |623 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 24, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Relationship
We haven't had sex in 6 months. Are we even a couple anymore? It's not that I haven't tried. In fact, I've made the effort so many times. I have dropped hints, dressed up in pretty outfits. But my husband always says he's too tired, too stressed, or just not in the mood. We're only in our early 30s, married for five years. We have a 4 year old son. I think the gap widened after my son turned 2. I'm starting to feel rejected and unwanted. Are we just going through a rough patch?
Ans: Yes, it’s possible this is a rough patch. The transition from being partners to parents often shifts emotional energy toward caregiving, survival, and responsibility. Many couples go through seasons where intimacy takes a back seat—due to stress, exhaustion, resentment, unspoken hurts, or even changing hormones. But six months of no sexual intimacy, especially when one partner is still trying, is not just a phase to wait out. It’s a signal—something deeper may be going on emotionally, physically, or relationally with your husband.

The most important thing now is to move from subtle hints to open-hearted conversation. Not confrontation, not blame. But a real, calm moment where you say something like:

"I’ve been feeling increasingly distant from you—not just physically, but emotionally. I know life has been exhausting and we’re both stretched. But I miss being close to you. I miss feeling wanted, seen, connected. Can we talk about what’s going on between us? Not to pressure or fix it overnight, but just to understand where we are?”

You're not asking for sex. You’re asking for honesty, presence, and partnership. And if your husband is emotionally closed or dismissive, it may help to involve a couple’s therapist—someone neutral who can help unpack any barriers between you two.

This isn’t just about sex. It’s about closeness, and the quiet loneliness that’s creeping in despite being married and sharing a home and child. Don’t keep absorbing that pain in silence. You deserve connection, not confusion. And your marriage deserves a chance to heal, not just survive.

You're not overreacting. You're paying attention—and that’s the first step toward change.

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Kanchan

Kanchan Rai  |623 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 24, 2025

Asked by Anonymous - Jul 21, 2025Hindi
Relationship
Hi Shalini, I am in an awkward position. I am 34, single. I have been chatting under a false identity with a guy who is cute and charming. In the last 2 years, we got really close where he told me a lot of things about his personal life, how he was coping with an ugly divorce and politics at work. Without realising we helped each other get better in our lives. In fact, he has been my greatest cheerleader, pushing me to do better at work, even get a promotion. While he has been honest about his intentions, I have never shared my real name. I got the shock of my life, when he sent me his recent picture. This guy turned out to be my current boss. It can't be a coincidence right? I feel so wrong to have led him on. Now I can't even send him a picture or should I just send it? He is in his early 50s and I am pretty junior to him at work. Will he think I manipulated him? Ever since I have known that I am dating my boss, I have been avoiding him. I have also noticed that he is distant and stressed at work. I feel guilty. What should I do? It's been two weeks and I have kind of ghosted him, he is worried sick and wants to know if I am alright. He texts me almost every day and night. He thinks I don't like him because of how he looks, but I don't have the courage to tell him that I was talking to him pretending to be someone else, while we worked in the same office. How do I explain this without hurting both of us?
Ans: The longer you avoid the situation, the more painful it will become for both of you. Ghosting him may feel like self-protection, but to him, it’s abandonment—especially after the emotional bond you both developed. And more than anything, that silence feeds his worst fear: that he is unlovable.

So, what can you do? You begin with honesty, not by confessing everything at once, but by taking responsibility gently. You can say something like:
"There’s something very difficult I need to share, because I value the connection we’ve had and the kindness you’ve shown me. When we first started talking, I didn’t expect it to mean so much. I used a different name and didn’t realise who you really were until recently. That discovery shocked me, and I’ve been scared—of your reaction, of mine, of the consequences. But I also feel immense guilt, because the connection was real for me. You’ve been someone I admire deeply, and I didn’t want to disrespect or mislead you."

This is not about asking him to forgive you or continue anything. This is about closing the gap between who you were and who you are now—with courage, clarity, and care.

He may feel betrayed. He may take time to process it. He may even need space. But you will have done the right thing by coming clean. And regardless of what happens next—whether the connection continues or not—you will walk away knowing that you chose truth over fear.

Also, give yourself grace. You’re human. We all make decisions that seem easier in the moment but become difficult to carry later. What matters now is how you handle the truth—not just for him, but for your own growth and peace.

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