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Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 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
Alam Question by Alam on Jul 08, 2024Hindi

Hello Sir, I work in a corporate. I have done fd and its interest is taxable hence wanted to check with you how beneficial SIP(mutual fund) would be? If yes how long can I proceed keeping in my mind, need to save money for my 2 month old son’s education

Ans: Great to see you’re thinking ahead about your son’s education and exploring better investment options. You’re on the right track considering mutual funds over FDs. Let’s dive into how SIPs (Systematic Investment Plans) in mutual funds can benefit you, especially when planning for long-term goals like your son's education.

Understanding Your Financial Goals
First, let's set clear goals. You want to save for your son’s education, which means you have a long-term horizon. This is perfect for SIPs in mutual funds as they can offer significant growth over time.

Analyzing FDs vs. Mutual Funds
Fixed Deposits (FDs)

Safety: FDs are low risk with guaranteed returns.

Fixed Returns: You know how much you’ll earn at the end of the term.


Taxable Interest: The interest earned is taxable, which reduces your net returns.

Lower Returns: Over long periods, FDs usually offer lower returns compared to mutual funds.

Systematic Investment Plans (SIPs) in Mutual Funds

Power of Compounding: SIPs benefit from compounding, where your earnings generate more earnings over time.

Flexibility: You can start with small amounts and increase your investment as your income grows.

Diversification: Mutual funds invest in a mix of stocks, bonds, and other securities, spreading risk.

Tax Efficiency: Equity mutual funds held for over a year are taxed at a lower rate.


Market Risk: Mutual funds are subject to market fluctuations, which can affect returns in the short term.
How SIPs Work
A Systematic Investment Plan allows you to invest a fixed amount regularly in a mutual fund scheme. It’s like a recurring deposit but with potentially higher returns.

Regular Investments: You invest a fixed amount every month, regardless of market conditions.

Rupee Cost Averaging: You buy more units when prices are low and fewer when prices are high, averaging your purchase cost over time.

Compounding: Your investments grow over time as the returns are reinvested.

Categories of Mutual Funds
Equity Funds
These funds invest in stocks and have the potential for high returns. They are ideal for long-term goals like your son’s education.


High Returns: Can offer significant growth over long periods.

Tax Benefits: Long-term capital gains are taxed at a lower rate.

Debt Funds
These funds invest in bonds and are less risky than equity funds. They provide stable returns and are good for short to medium-term goals.


Stable Returns: Less volatile than equity funds.

Tax Efficiency: Long-term capital gains tax benefits if held for over three years.

Hybrid Funds
These funds invest in a mix of equity and debt, balancing risk and return. They are suitable if you want a balanced approach.


Balanced Risk: Mix of high-return equity and stable-return debt.

Flexibility: Adjusts based on market conditions.

Investing for Your Son’s Education
Start Early: The sooner you start, the more time your investments have to grow. Compounding works best over long periods.

Determine the Amount: Estimate the future cost of education and calculate how much you need to save monthly.

Choose the Right Funds: Select a mix of equity and hybrid funds to balance growth and stability.

Stay Consistent: Invest regularly through SIPs and avoid the temptation to stop during market downturns.

Power of Compounding
Compounding is when your investment earnings generate their own earnings. Here’s why it’s powerful:

Reinvestment: Earnings are reinvested, generating more returns.

Time Factor: The longer you invest, the greater the impact of compounding.

Tax Efficiency
Mutual funds, especially equity funds, offer tax benefits that can enhance your returns. Here’s how:

Equity Funds: Long-term capital gains (holding period over 1 year) are taxed at 10% above Rs. 1 lakh, which is lower than FD interest rates.

Debt Funds: Long-term capital gains (holding period over 3 years) are taxed at 20% after indexation, which adjusts for inflation.

SIPs vs. Direct Funds
Direct Funds
Direct mutual funds have lower expense ratios as they don’t involve intermediaries. But they require more effort in terms of research and management.


Research: Requires more effort to select and manage.

Time-Consuming: Needs continuous monitoring and adjustments.

Regular Funds through CFP
Investing through a Certified Financial Planner (CFP) has its advantages:

Expert Advice: Professional guidance on fund selection and portfolio management.

Convenience: Less time-consuming and easier to manage.

Building a Portfolio
Diversification: Spread your investments across different types of mutual funds to reduce risk.

Risk Assessment: Understand your risk tolerance and choose funds accordingly.

Review and Adjust: Regularly review your portfolio and make adjustments based on performance and goals.

Emergency Fund
Before investing, ensure you have an emergency fund. This should cover 6-12 months of expenses and be kept in liquid funds or a high-interest savings account.

Financial Protection
Ensure you have adequate insurance coverage to protect your family’s future:

Health Insurance: Comprehensive coverage for yourself and your family.

Term Insurance: Adequate life cover to secure your family's financial future.

Continuous Learning
Stay updated with financial news and market trends. Continuous learning will help you make informed decisions.

Reading: Follow financial news, read books, and stay informed.

Courses: Consider online courses on investment strategies and financial planning.

Regular Review
Financial planning is an ongoing process. Regularly review your investments and adjust based on your goals and market conditions.

Annual Review: Reassess your portfolio annually.

Rebalancing: Adjust your investments based on performance.

Goal Tracking: Ensure you’re on track to meet your financial goals.

Final Insights
By strategically managing your investments, you can achieve your goal of saving for your son’s education and securing your financial future.

Start Early: Begin investing as soon as possible to maximize the benefits of compounding.

Diversify: Ensure your portfolio is well-diversified across different types of mutual funds.

SIP: Use SIPs for regular and disciplined investing.

Tax Efficiency: Take advantage of the tax benefits offered by mutual funds.

Expert Guidance: Consider seeking advice from a Certified Financial Planner for better fund selection and management.

Emergency Fund: Maintain an emergency fund to handle unexpected expenses.

Insurance: Ensure adequate health and life insurance coverage.

Continuous Learning: Stay informed and continuously learn about financial markets.

Regular Review: Regularly review and adjust your financial plan.

By following these steps, you can effectively save for your son’s education and ensure a secure financial future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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 Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2024

Asked by Anonymous - Apr 07, 2024Hindi
Hello Sir, I want to invest 25k monthly in SIP with retirement and child education as investment goal . I am also planning to step up the SIP amount every year after I get the increment. Could you please tell me in which MF fund should I invest and how much should I increase the SIP amount very year. Target corpus ( investment horizon - 15 years) Retirement (least amount ) - 4-5 Cr Child Education - 4-5 Cr My wife is also working and can invest 15k more in addition to above amount.
Ans: Given your investment goals and time horizon, here's a suggested investment plan:

Retirement Corpus:

Allocate a significant portion of your SIP amount to large-cap, multi-cap, and diversified equity funds.
Large-cap funds offer stability, while multi-cap and diversified equity funds provide growth potential.
Gradually increase SIP amounts annually to keep pace with inflation and salary increments.
Child Education Corpus:

Diversify your SIPs across large-cap, multi-cap, balanced, and thematic funds.
Large-cap funds offer stability, while multi-cap and balanced funds provide growth potential with lower volatility.
Thematic funds can be considered for specific sectors or themes with growth potential, but exercise caution due to higher risk.
Combined SIP Allocation:

Allocate SIP investments based on your risk tolerance, investment horizon, and financial goals.
Balance the allocation between retirement and child education based on priority and time horizon.
Gradually increase SIP amounts annually to align with your financial goals and growing expenses.
Review and Monitoring:

Regularly review the performance of your SIP investments and adjust asset allocation if necessary.
Seek advice from a financial advisor to periodically assess your progress and make any required adjustments to stay on track with your goals.
By following a diversified investment approach and gradually increasing your SIP amounts over time, you can work towards building a substantial corpus for both your retirement and your child's education.

..Read more


Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 17, 2024

Hi Mr. Ramalingam. I am 70 years old. So far no investments in Mutual Funds. All Investment in FD's. Now thinking of investing in SIP for about Rs. 25k per month. I have Family income of 1.50 lakhs from FD's monthly.Family expenses being looked after by my son. Please suggest SIP's n other Investment. Gopalakrishnan K
Ans: Considering your age and financial situation, it's commendable that you're looking to diversify your investments. For a conservative approach, you can allocate a portion of the 1.50 lakhs monthly income from FDs towards SIPs and other investment options.

SIPs: Start with balanced funds or debt-oriented hybrid funds that provide a mix of equity and debt exposure to manage risk. Allocate around 50% of the 25k SIP towards these funds.

Debt Funds: Invest the remaining 50% in short-term debt funds or corporate bond funds for stable returns and lower volatility.

Senior Citizen Savings Scheme (SCSS): Consider investing in SCSS, offering higher interest rates and tax benefits for individuals aged 60 and above.

Fixed Income Options: Explore Post Office Monthly Income Scheme (POMIS) or Pradhan Mantri Vaya Vandana Yojana (PMVVY) for regular income and safety.

Health Insurance: Ensure you have adequate health insurance coverage to manage medical expenses and safeguard your financial well-being.

It's essential to consult a Certified Financial Planner (CFP) to create a personalized investment plan tailored to your needs, risk tolerance, and financial goals. They can guide you on asset allocation, tax-efficient strategies, and retirement planning to secure your financial future.

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Latest Questions

Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

If anyone want to investment planning. Please let me know like lumpsum benefits and guaranteed income I will tell you briefly
Ans: Lumpsum Investment: Benefits and Considerations


Potential for Higher Returns: Investing a large amount at once can yield significant returns.

Simple and Quick: One-time investment, no need for regular monitoring.

Ideal for Market Opportunities: Beneficial during market dips for higher gains.


Market Risk: Higher exposure to market volatility at one point.

Timing Risk: Difficult to time the market perfectly.

Liquidity: May face restrictions on withdrawing funds.

Guaranteed Income: Options and Benefits

Fixed Deposits:

Safety: Provides guaranteed returns.

Liquidity: Easy to withdraw with minimal penalties.

Predictable Income: Fixed interest rate ensures regular income.

Public Provident Fund (PPF):

Safe Investment: Government-backed, risk-free.

Tax Benefits: Interest earned is tax-free.

Long-Term Growth: Suitable for long-term financial goals.

Senior Citizens' Savings Scheme (SCSS):

High Safety: Government-backed, secure returns.

Regular Income: Quarterly interest payments.

Tax Benefits: Investment eligible for tax deduction.

Systematic Withdrawal Plan (SWP):

Flexibility: Regular income from mutual funds.

Tax Efficiency: Only the gains are taxed, not the principal.

Control: Decide the withdrawal amount and frequency.

Final Insights

Combining lumpsum investments with guaranteed income options can provide growth and stability. Regular reviews with a Certified Financial Planner can help align with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Hi I am currently 30 years of age and I would like to ask about an investment where I'm going to make on a flat purchase of 46 Lacs with down payment of 16 Lacs along with a loan of 30 Lacs with a current salary of 50050 rupees per month... So I would like to know the loan tenure would be best suited for me to manage my savings for the future along with my daily expenditure?
Ans: Investment Strategy for Flat Purchase
Purchasing a flat can be a significant financial decision. As a Certified Financial Planner, I appreciate your initiative in seeking advice.

Assessing Your Financial Situation
You have a salary of Rs. 50,050 per month. Your down payment is Rs. 16 lakhs. You plan to take a loan of Rs. 30 lakhs. It's crucial to balance your loan repayment with your daily expenses and savings.

Evaluating Loan Tenure
For your situation, a longer loan tenure can lower your EMI. This means more manageable monthly payments. However, this will increase the total interest paid over the loan period. A shorter loan tenure will result in higher EMIs but lower total interest.

Balancing Savings and Expenses
With your monthly salary, aim to keep your EMIs around 30-40% of your income. This ensures you have enough for daily expenses and savings. For a loan of Rs. 30 lakhs, consider a tenure of 20 years. This will make your EMIs more affordable.

Planning for Future Savings
Allocate funds for emergency savings, retirement planning, and other goals. Ensure you have at least six months of expenses saved for emergencies. Regularly review and adjust your financial plan.

Final Insights
Balancing a home loan with savings and expenses requires careful planning. Choose a loan tenure that suits your monthly cash flow. Keep your long-term financial goals in mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 06, 2024Hindi
Hi sir, I am aging 37 years. I have built house in my native and its present value is Rs 45 lakh. With housing loan of Rs 9 lakh and getting only 6k rent. As I am working in corporate company in Blore. And no plans to go back to my native for next 10 years. So plz guide me shall i sell this house and invest elsewhere. If yes. Plz guide me which is the best option for long term means for next 10 years investment. Thank u .
Ans: Current Situation Analysis

Your house in your native place is valued at Rs 45 lakh, with a housing loan of Rs 9 lakh. The rental income of Rs 6,000 per month may not be sufficient to justify holding the property if you are not planning to return in the next 10 years.

Evaluating the Options

Selling the House: Pros and Cons


You can clear the housing loan of Rs 9 lakh.

You can invest the proceeds in higher-return assets.

Eliminates the hassle of managing a rental property.


You may lose potential appreciation in property value.

Emotional attachment to the property.

Investment Options for Long Term

1. Mutual Funds:

Equity Mutual Funds: Suitable for long-term growth. Diversify across sectors and companies.

Hybrid Mutual Funds: Mix of equity and debt. Provides balanced growth with some stability.

2. Public Provident Fund (PPF):

Safe and tax-efficient.

Offers decent returns over the long term.

3. Systematic Investment Plans (SIPs):

Regular, disciplined investment in mutual funds.

Beneficial for averaging out market volatility.

4. Debt Mutual Funds:

For stability and regular income.

Less risky compared to equity mutual funds.

Final Insights

Selling the house and clearing the loan can free up capital for more productive investments. Diversifying into mutual funds, PPF, and SIPs can provide balanced growth and stability over the next 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 06, 2024Hindi
I am earning 1.2 lakh per month. Age 29 unmarried, Money for marriage is adjusted.I have a house and planning to buy another one probably 1cr . An lic policy of yearly premium of 25k. My savings are 5 lakhs. As of now I can invest 40k per month. I want liquid corpus of 1cr by age 50 and children education planning.
Ans: Monthly Income and Savings
You earn Rs. 1.2 lakh per month.

You save Rs. 40,000 per month.

You have Rs. 5 lakhs in savings.

Your LIC policy has a yearly premium of Rs. 25,000.

Investment Goals
You want Rs. 1 crore by age 50.

You plan for your children's education.

You plan to buy a house worth Rs. 1 crore.

Investment Strategy
Invest in a mix of equity and debt funds.

Focus on actively managed funds for better returns.

Consider SIPs for regular investments.

Liquid Corpus Goal
Aim for a diversified portfolio.

Allocate funds to equity for growth.

Include debt funds for stability.

Children's Education Planning
Start early to benefit from compounding.

Invest in children's plans and education funds.

Review and adjust the portfolio regularly.

House Purchase Plan
Ensure your investments align with your house purchase goal.

Keep your house purchase timeline in mind.

Insurance and Savings
Review your LIC policy for adequacy.

Consider additional term insurance if needed.

Professional Guidance
A Certified Financial Planner can help optimize your plan.

Regularly review your portfolio with your planner.

Final Insights
Maintain a disciplined investment approach.

Regularly review and adjust your goals.

Seek professional advice when needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Dear Sir/Madam i have an savings of 1.22CR i have invested in MF and some amount in FD also, want to ask you is it better to invest in FD as i am retiring next year by April thanks.
Ans: Evaluation of Current Investments

Your current savings of Rs 1.22 crore is commendable. Having investments in mutual funds and fixed deposits shows a balanced approach.

However, evaluating the need for fixed deposits is crucial. Fixed deposits offer safety but low returns compared to mutual funds. Since you are retiring soon, it is essential to assess the balance between safety and growth.

Fixed Deposits: Pros and Cons


Fixed deposits provide guaranteed returns.

They are safe and secure investments.

Liquidity is available but may come with penalties.


Returns are lower compared to mutual funds.

Interest earned is taxable.

Inflation can erode the real value of returns.

Mutual Funds: Pros and Cons


Potential for higher returns compared to fixed deposits.

Diversified investments reduce risk.

Flexibility to choose funds based on risk appetite and goals.


Returns are market-linked and can fluctuate.

Requires regular monitoring.

May involve higher costs if not chosen wisely.

Assessing Your Needs

Given your retirement plan next year, stability and income generation become essential. Fixed deposits provide stability, but mutual funds can offer growth. A mix of both can provide balance.

Strategy for Retirement

Consider maintaining a portion in fixed deposits for safety. This portion can cover short-term needs. The rest can remain in mutual funds for growth. This strategy ensures a balance between safety and potential returns.

Final Insights

Your proactive approach is commendable. Maintaining safety with fixed deposits and growth with mutual funds can serve you well. Regular reviews with a Certified Financial Planner can ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 29, 2024Hindi
I am a retired Central Government officer. I have 2.75 crores FD’s, saving accounts 75 lakhs, 10 lakhs gold, SIP 25k per month. I get pension of 60k a month and my children give me 60k towards loan advanced to them. My monthly expenses are Rs. 1 to 1.25 lakhs. Am I comfortable?
Ans: Financial Assessment

Your current financial position is strong. Here’s a breakdown:

Fixed Deposits (FDs): Rs 2.75 crores

Savings Accounts: Rs 75 lakhs

Gold: Rs 10 lakhs

SIP: Rs 25,000 per month

Pension Income: Rs 60,000 per month

Children's Contribution: Rs 60,000 per month

Monthly Expenses: Rs 1 to 1.25 lakhs

Income and Expenses Analysis

Monthly Income:
Pension: Rs 60,000

Children’s Contribution: Rs 60,000

Total Monthly Income: Rs 1,20,000

Monthly Expenses:
Range: Rs 1,00,000 to Rs 1,25,000

Surplus and Comfort Level

Monthly Surplus:
Minimum Surplus: Rs 1,20,000 - Rs 1,25,000 = (-Rs 5,000)

Maximum Surplus: Rs 1,20,000 - Rs 1,00,000 = Rs 20,000

Investment Income:
Interest from FDs and savings can supplement your income.

Financial Security

Fixed Deposits:
Provide a stable income through interest. Ensure to reinvest the interest income.

Savings Accounts:
Keep a portion for liquidity and emergencies. Consider transferring excess funds to higher-yielding investments.

Acts as a hedge against inflation. No need for additional gold investments.

SIP and Future Planning

Systematic Investment Plan (SIP):
Continue SIP for growth. Consider diversifying into balanced or debt funds for stability.

Emergency Fund:
Maintain an emergency fund of 6-12 months’ expenses in liquid assets.

Final Insights

Your current financial situation is comfortable. Your monthly income meets your expenses, and you have substantial savings and investments. Continue SIP and review your portfolio annually. Ensure a portion of your savings is liquid for emergencies.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4841 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 02, 2024Hindi
I am 26 years old, earning around 70k per month. I have 25 lakhs flat from my parents but they have no earning. so I want to buy a flat worth 50 lakhs at least and a car as well as build an emergency fund. I want to do everything before I turn 30 so that I can get married. How shall I plan all these?
Ans: Current Financial Overview
Age: 26 years old
Monthly Income: Rs. 70,000
Assets: Rs. 25 lakhs flat from parents
Parents' Earnings: None
Goals Before Age 30
Buy a flat worth Rs. 50 lakhs
Buy a car
Build an emergency fund
Prepare for marriage
Financial Planning Strategy
Emergency Fund
Recommendation: Start by building an emergency fund.

Amount: 6 months of expenses (approximately Rs. 3-4 lakhs)

Investment: Put this amount in a liquid fund or high-interest savings account.

Reason: Provides a safety net for unexpected expenses.

Buying a Flat
Current Flat: Rs. 25 lakhs

Target Flat: Rs. 50 lakhs

Difference: Rs. 25 lakhs

Recommendation: Take a home loan for Rs. 25 lakhs.

EMI Calculation: With a tenure of 20 years and an interest rate of 7%, your EMI will be around Rs. 19,400.

Reason: Leverages your income to afford the flat.

Buying a Car
Budget: Rs. 7-8 lakhs for a mid-range car.

Recommendation: Opt for a car loan or save for the next two years.

Down Payment: Save Rs. 2-3 lakhs for the down payment.

Loan Amount: Rs. 5-6 lakhs with an EMI of around Rs. 10,000 for 5 years.

Reason: Manageable EMIs without straining your finances.

Monthly Budget Allocation
Emergency Fund: Save Rs. 15,000 per month until you reach Rs. 4 lakhs.

Home Loan EMI: Rs. 19,400 per month.

Car Loan EMI: Rs. 10,000 per month.

Living Expenses: Rs. 20,000 per month.

Savings/Investments: Rs. 5,600 per month.

Investment Strategy
Short-term Savings: Use a high-interest savings account or liquid funds for the emergency fund.

Medium-term Goals: Consider recurring deposits or debt mutual funds for saving towards the car down payment.

Long-term Investments: Invest in SIPs in mutual funds for wealth creation and future needs like marriage expenses.

Final Insights
Emergency Fund: Build it first, Rs. 15,000 per month.
Home Loan: Take Rs. 25 lakhs loan, EMI around Rs. 19,400.
Car Loan: Plan for Rs. 10,000 EMI, save for the down payment.
Budgeting: Allocate your income to manage loans, expenses, and savings.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...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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