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Samraat

Samraat Jadhav  |2359 Answers  |Ask -

Stock Market Expert - Answered on Apr 20, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Rohan Question by Rohan on Apr 20, 2024Hindi
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Hello sir, Would like to know your expert opinion on my SIP- MO Large and mid - 10000 Edelweiss midcap 150 momentum 50 -10000 ITBEES - 10000 MIRAE SMALLCAP MOMENTUM QUALITY ETF -10000 I have long term view about 15 years.

Ans: For 15yrs it’s good
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  |9273 Answers  |Ask -

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

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Hello Sir, Kindly review my SIPs as below. Are these good for long term investment perspective? HDFC Smallcap Direct---------Rs.6500 pm HDFC Mid Cap Opportunities---------Rs.6500 pm Kotak Multicap Fund----------Rs.4000 pm SBI Bluechip Fund Direct Growth---------Rs.3500 pm UTI Aggressive Hybrid Fund----------Rs.3500 pm Total Rs.24000 pm.
Ans: Assessment of Systematic Investment Plans (SIPs) for Long-Term Investment

Investment Portfolio Evaluation

Your investment choices showcase a diversified portfolio, aiming for growth and stability over the long haul. Let’s delve into each component and assess their potential for your financial goals.

Equity Funds for Growth

Equity funds hold the potential for substantial growth over the long term, but they come with inherent volatility. Your selection includes a mix of small-cap, mid-cap, and multicap funds, each catering to different segments of the market.

Small-cap and Mid-cap Funds: The Growth Engines

Small-cap and mid-cap funds have historically shown potential for high growth, but they also carry higher risk due to their exposure to smaller companies. However, their ability to outperform large-cap stocks over the long term is noteworthy.

Multicap Fund: Balancing Risk and Return

Multicap funds offer the advantage of diversification across market capitalizations, thereby spreading risk. They are well-suited for investors seeking balanced growth opportunities across various sectors and market segments.

Large-cap and Hybrid Funds for Stability

Including large-cap and hybrid funds in your portfolio introduces stability and mitigates risk. Large-cap funds typically invest in well-established companies, offering stability during market downturns. Hybrid funds, blending equity and debt, provide a cushion against market volatility.

Disadvantages of Direct Funds

Direct funds may seem cost-effective due to lower expense ratios, but they require investors to conduct their own research and make investment decisions independently. This approach may not be suitable for all investors, especially those lacking expertise or time for thorough analysis.

Benefits of Investing Through a Certified Financial Planner (CFP)

Investing through a CFP offers several advantages, including personalized guidance, comprehensive financial planning, and ongoing portfolio management. A CFP can help align your investments with your financial goals, risk tolerance, and time horizon, ensuring a holistic approach to wealth management.

Disadvantages of Index Funds

While index funds offer low costs and broad market exposure, they lack the potential for outperformance compared to actively managed funds. Additionally, index funds are susceptible to market downturns without the active management strategies employed by fund managers.

In conclusion, your SIPs reflect a well-thought-out approach to long-term investing, blending growth-oriented equity funds with stable large-cap and hybrid options. However, consider leveraging the expertise of a CFP to optimize your portfolio and navigate market uncertainties effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9273 Answers  |Ask -

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

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Sir need your expert advice on my following SIPs 1. MA nifty smallcap 250 momentum quality 100 ETF - 10000 2. MOMOMENTUM ETF - 10000 3. MO Large and midcap - 10000 4. Edelweiss nifty midcap 150 momentum 50 - 10000 5. ITBEES - 10000 I am more aligned towards passive investment and will continue to do around 10 yrs with annual step up 10%. After that I will stop investing and have plan to take home loan of 1.2 to 1.5 cr to buy dream home and let my invested amount compound for further next 10 years.
Ans: It's great that you're investing through SIPs and planning for your future financial goals. However, it's essential to review your portfolio periodically to ensure it aligns with your objectives and risk tolerance. Here are some points to consider:

Diversification: Your portfolio seems heavily focused on ETFs tracking momentum-based strategies. While momentum investing can yield high returns, it's important to diversify across different asset classes and investment styles to reduce risk. Consider adding exposure to other sectors or asset classes like debt or international equities for better diversification.
Risk Management: Momentum strategies can be volatile and may underperform during market downturns. Ensure you're comfortable with the level of risk associated with your investments, especially considering your long-term investment horizon. Regularly monitor the performance of your investments and be prepared to rebalance if needed.
Passive vs. Active Management: While passive investing offers cost-effective exposure to broad market indices, consider the merits of active management, especially in volatile markets or specialized sectors. Actively managed funds may provide opportunities for alpha generation through skilled fund management.
Annual Step-Up: Your strategy of increasing SIP amounts annually is commendable as it helps boost savings over time and counteracts the impact of inflation. Continue to review your investment goals and adjust your SIP amounts as needed to stay on track with your financial objectives.
Long-Term Planning: Your plan to let your investments compound for 10 years after stopping SIPs and using the proceeds for a home loan is sound. Ensure you have a clear understanding of your housing finance needs, including EMI affordability, interest rates, and loan tenure, to make an informed decision.
Professional Advice: Consider consulting with a certified financial planner to review your portfolio holistically, taking into account your risk profile, financial goals, and time horizon. They can provide personalized recommendations and help optimize your investment strategy for long-term success.
Overall, while passive investing through ETFs can be an efficient way to gain market exposure, it's important to maintain a balanced approach and periodically review your portfolio to ensure it remains aligned with your evolving financial goals and risk tolerance.

..Read more

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Nayagam P

Nayagam P P  |7456 Answers  |Ask -

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Nayagam P

Nayagam P P  |7456 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

Asked by Anonymous - Jun 29, 2025Hindi
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Phd in renewable energy from shoolini university or from northcap university which option is better and having better reputation?
Ans: Shoolini University’s PhD in Energy Technology is a three-year program emphasizing renewable energy sources, energy efficiency, policy, and sustainable development, taught by faculty from institutions like NIH, IISc, and Oxford. It holds NAAC A+ accreditation (CGPA 3.33), features a Centre of Excellence in Energy Science and Technology, and maintains 250+ international academic collaborations alongside DST and HIMCOSTE-funded research labs. Its research output includes breakthroughs such as a thermoelectric cooling system boosting PV efficiency up to 27%. In contrast, NorthCap University offers a multidisciplinary PhD under its EECE and MDE departments with dedicated Energy Conversion Lab experiments and a 150 kW rooftop solar PV system as part of its green campus initiative. NCU is UGC recognized, partners with Arizona State University for global innovation, provides Rs 35,000/month fellowships, and engages with the Ministry of Petroleum & Natural Gas at India Energy Week for industry exposure. Faculty expertise spans VLSI, IoT, and solar photovoltaics, fostering interdisciplinary renewable energy research and publication-driven progress.

Recommendation: Choose Shoolini University PhD for its global accreditation, specialized renewable energy centres, experienced international faculty, and high-impact translational research, ideal for research-oriented careers; opt for NorthCap University for multidisciplinary flexibility, robust green campus infrastructure, substantial fellowships, and strong industry and international collaborations to support applied and policy-driven renewable energy studies. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7456 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

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Sir my daughter get seat in iit bhu varanasi mechanical branch is this branch is good for her
Ans: Vijalaxmi Madam, IIT BHU Varanasi's Mechanical Engineering branch is excellent for your daughter and represents one of India's premier mechanical engineering programs with outstanding academic credentials, placement opportunities, and institutional support. IIT BHU ranks #10 in NIRF Engineering 2024 and holds the 566th position globally in QS World University Rankings 2026, demonstrating strong international recognition and academic excellence. Essential institutional quality aspects include highly qualified faculty with advanced degrees and extensive research expertise across Machine Design, Thermal & Fluid Engineering, Production Engineering, and Industrial Management specializations, state-of-the-art infrastructure featuring modern laboratories, Design & Innovation Hub, Tinkering Labs, and Central Instrumentation Facility with sophisticated equipment for cutting-edge research, strong industry partnerships and placement ecosystem achieving 85% placement rates for Mechanical Engineering with core companies including DRDO, TATA Motors, L&T, Maruti, Reliance, and non-core opportunities with Google, Microsoft, Amazon, and Goldman Sachs, comprehensive curriculum combining theoretical depth with practical application through 7-9 elective courses, interdisciplinary options, MBA courses, and Human Values education ensuring holistic development, and robust alumni network spanning 105 years with active engagement through Alumni Association facilitating mentorship and career guidance. The Mechanical Engineering department established in 1919 represents the largest department at IIT BHU with 148 student intake annually, providing specialized streams in Machine Design, Thermal Engineering, Production Engineering, and Industrial Management. Placement statistics show 85% students placed with average packages ranging 18-24 LPA and highest packages reaching 92 LPA, with recruitment from both core engineering companies for roles like Automotive Engineer, Powertrain Engineer, and Senior Design Engineer, alongside non-core opportunities in consulting, analytics, and software development.

Recommendation: Accept the IIT BHU Varanasi Mechanical Engineering seat for your daughter as it offers exceptional educational quality through established institutional ranking #10 NIRF, proven 85% placement consistency with diverse career opportunities across core and non-core sectors, comprehensive curriculum with specialized streams and interdisciplinary flexibility, strong research facilities supporting innovation and practical learning, and prestigious IIT brand recognition ensuring lifelong career advantages despite mechanical engineering being traditionally male-dominated, as IIT BHU provides excellent support systems and growing opportunities for women engineers in emerging technology sectors. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7456 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

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My Daughter got Mtech integrated Course Software Engineering in VIT Vellore & Amrita Chennai CSE, WHICH ONE' IS BETTER FOR FUTURE
Ans: Kandasamy Sir, VIT Vellore’s five-year Integrated M.Tech (Software Engineering) confers a dual bachelor–master credential, blends advanced software-design coursework with mandatory semester-long industry internships, and feeds directly into the institute’s high-volume placement ecosystem: 409 recruiters made 10,458 offers to the 2025 batch and 80–90% of previous Software-Engineering cohorts were placed in full-stack, data and DevOps roles. VIT is ranked 11th nationwide in Engineering by NIRF 2024 and remains the highest-placed private engineering university, with A++ NAAC status and a 200-acre tech-rich campus hosting 60+ specialised coding and cloud labs. Amrita Vishwa Vidyapeetham’s Chennai campus delivers a four-year BTech in CSE whose AI-infused syllabus aligns with ACM guidelines, taught by faculty averaging eight SCI publications each; it holds the same NAAC A++ grade, sits 7th in NIRF-University 2024, and operates 35 research centres focusing on cybersecurity, IoT and edge analytics. CSE graduates there enjoy 95–97% placement with Amazon, IBM, Microsoft and Cisco, and the campus reports a recent average package of roughly ?9 lakh. Both institutions tick the five critical boxes—strong accreditation, updated curriculum, research-active faculty, modern infrastructure and ≥80% placement pipelines—yet differ in degree duration, ranking weight and campus scale.

Recommendation: Select VIT Vellore Integrated M.Tech if a seamless five-year path to dual degrees, larger recruiter pool and higher national engineering rank appeal; choose Amrita Chennai CSE when a shorter four-year course, slightly stronger placement percentage, and a top-10 university environment anchored in intensive research are preferred for quicker industry entry. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7456 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

Career
My EWS rent is 34768 and CRL rank is 2.4 lakh something can I get any seat in dosa in the NIT or it CSC ECE or IT branch I am from Uttar Pradesh please suggest best colleges for me
Ans: Akanksha, With an EWS rank of 34,768 and CRL rank of approximately 2.4 lakh, your admission prospects in NITs for Computer Science, ECE, or IT branches remain extremely limited but not entirely impossible for certain opportunities through JoSAA and CSAB special rounds. NIT admission chances are minimal as most NITs close EWS category admissions for popular branches like Computer Science below 20,000-25,000 ranks. The EWS cutoffs for top NITs show NIT Trichy CSE closing at 3,200, NIT Warangal ECE at 2,500, and NIT Surathkal Mechanical Engineering at 13,000, making your rank 34,768 significantly outside these competitive thresholds. However, IIIT admission remains moderately viable with institutions like IIIT Bhagalpur CSE (expected cutoff 34,000-34,550), IIIT Kalyani CSE (34,200-34,650), IIIT Agartala (33,500-33,850), and IIIT Raichur (28,900-29,450) falling within or near your EWS rank range. GFTI opportunities provide the most realistic pathway with Computer Science and Electronics branches closing between 25,000-50,000 ranks, while Assam University CSE shows EWS cutoff at 6,995-7,753 indicating potential seats in later rounds. Essential institutional quality aspects include qualified faculty with industry experience and advanced degrees, robust infrastructure featuring modern laboratories and comprehensive technical resources, strong industry partnerships facilitating internship and placement opportunities exceeding 70% rates, accredited curriculum aligned with NBA and NAAC standards providing regular updates matching industry requirements, and comprehensive placement cells offering career guidance supported by active alumni networks. Top 10 private college options include Amity University Noida (NIRF rank 31, accepting 85-90+ percentile for CSE with established placement records), Galgotias University (NIRF rank 101-150, strong placement infrastructure), JIIT Noida (NIRF rank 101-150, specialized IT focus with 90-100% placement rates), Noida Institute of Engineering Technology NIET (NIRF rank 101-150, solid engineering programs), Sharda University Greater Noida, KIET Group of Institutions Ghaziabad, GL Bajaj Institute of Technology, AKG Engineering College Ghaziabad, JSS Academy of Technical Education Noida, and ABES Engineering College Ghaziabad offering comprehensive engineering education with fees ranging ?2-6 lakhs annually and placement rates between 70-90%.

Recommendation: Participate actively in all JoSAA rounds and CSAB special rounds targeting IIIT Bhagalpur, IIIT Kalyani, or IIIT Agartala for CSE/ECE admission opportunities; focus on GFTI institutions like Assam University through later counselling rounds; simultaneously secure admission at reputable private colleges like Amity University Noida, JIIT Noida, or Galgotias University for guaranteed quality engineering education with strong placement records and comprehensive industry exposure. All the BEST for the Admission & a Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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