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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 07, 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 03, 2024Hindi
Money

Hey, I am currently 23 my current month salary is 58,000 and I SIP almost 12,500. And few other RD's like almost 10,000. How much should I invest so that I can hit 1cr when my age is less than 32years. Please help.

Ans: You currently earn Rs 58,000 per month. Your Systematic Investment Plan (SIP) contributions amount to Rs 12,500, and you have recurring deposits (RDs) totaling Rs 10,000. This means you are saving Rs 22,500 monthly, which is a substantial portion of your income.

Firstly, let's appreciate your dedication to saving a significant portion of your income. This level of discipline is a strong foundation for achieving your financial goals. Now, let's break down how you can optimize these savings to reach Rs 1 crore by the time you are 32.

Calculating the Investment Required
To reach a corpus of Rs 1 crore in less than nine years, we need to consider the power of compound interest. Let's assume a conservative annual return of 12% on your investments, which is a reasonable expectation for a well-managed portfolio of mutual funds.

Using the future value of a series formula, we can estimate the required monthly investment:

Rs 52910

Assessment of Current Savings and Investments
Currently, you are investing Rs 12,500 in SIPs and Rs 10,000 in RDs, totaling Rs 22,500 per month. To reach Rs 1 crore in 9 years, you need to invest around Rs 52,910 per month. There is a shortfall of Rs 30,410 per month in your current investment.

Optimizing Your Investment Strategy
To bridge this gap, consider the following steps:

1. Increase SIP Contributions

Reallocate funds from your RDs to SIPs, as mutual funds generally offer higher returns compared to recurring deposits. Actively managed mutual funds can be a better choice due to the expertise of fund managers in selecting securities.

2. Evaluate Your Expenses

Review your monthly expenses to identify areas where you can reduce spending. This can free up additional funds for investment. Setting a budget and tracking your spending can help you identify savings opportunities.

3. Utilize Annual Bonuses and Increments

Use any annual bonuses or salary increments to boost your investment. These additional contributions can significantly impact your overall investment growth.

Benefits of Actively Managed Mutual Funds
Actively managed mutual funds can provide higher returns compared to index funds. Here are some advantages:

1. Professional Management

Fund managers have the expertise to select the best stocks and bonds. They actively manage the portfolio to maximize returns and minimize risks.

2. Flexibility

Actively managed funds can adapt to market conditions. Fund managers can make quick decisions to capitalize on opportunities or avoid losses.

3. Potential for Higher Returns

Due to active management, these funds have the potential to outperform the market, providing better returns than passively managed funds.

Disadvantages of Index Funds
Index funds aim to replicate the performance of a market index. While they have lower fees, they come with some disadvantages:

1. Limited Growth Potential

Index funds cannot outperform the market. They provide returns that mirror the index, which might limit your growth potential.

2. Lack of Flexibility

Index funds are rigid in their composition. They cannot adjust to changing market conditions, which might lead to missed opportunities.

3. Potential for Underperformance

In a bearish market, index funds can perform poorly as they mirror the overall market trend. Active funds might perform better by selectively investing in resilient stocks.

Disadvantages of Direct Funds
Direct funds are purchased directly from the fund house, bypassing intermediaries. Here are some disadvantages:

1. Lack of Guidance

Without the advice of a certified financial planner, you might miss out on expert insights and market trends. This can impact your investment decisions.

2. Complexity

Managing direct funds requires a good understanding of the market. It can be challenging to keep up with market movements and make informed decisions.

3. Time-Consuming

Monitoring and managing your investments can be time-consuming. Engaging a certified financial planner can save you time and provide peace of mind.

Benefits of Regular Funds with CFP
Investing through a certified financial planner offers several benefits:

1. Expert Advice

Certified financial planners provide expert advice based on market analysis and trends. They help you make informed investment decisions.

2. Personalized Strategy

A certified financial planner tailors investment strategies to your goals, risk tolerance, and financial situation, ensuring optimal growth.

3. Continuous Monitoring

They continuously monitor your investments and make adjustments as needed. This proactive approach helps in maximizing returns and managing risks.

Importance of Regular Reviews
Regularly reviewing your financial plan is crucial to stay on track. Life events, market conditions, and personal goals can change. Adjust your investment strategy accordingly to ensure you remain on course to achieve your goal of Rs 1 crore.

Steps to Implement
1. Reallocate RDs to SIPs

Shift your recurring deposit investments to SIPs in actively managed mutual funds. This can help achieve higher returns.

2. Increase Monthly Investment

Aim to increase your monthly investment towards Rs 52,910. Gradually increase your SIP contributions as your income grows.

3. Seek Professional Guidance

Consult with a certified financial planner to create a personalized investment plan. Their expertise can help you navigate market complexities.

4. Regularly Monitor Progress

Set periodic reviews to assess your investment performance. Make necessary adjustments to stay aligned with your financial goal.

Long-Term Perspective
Investing for the long term requires patience and discipline. Avoid making impulsive decisions based on short-term market fluctuations. Focus on your long-term goal and maintain a diversified portfolio to manage risks.

Appreciating Your Efforts
Your commitment to saving and investing at a young age is truly commendable. By taking the right steps now, you are setting yourself up for financial success. Remember, consistency and informed decision-making are key to achieving your financial goals.

Conclusion
Reaching a corpus of Rs 1 crore by the age of 32 is a challenging but achievable goal. By increasing your SIP contributions, reallocating funds from RDs to mutual funds, and seeking professional guidance, you can optimize your investment strategy. Regularly review and adjust your plan to stay on track. Your dedication and disciplined approach are crucial factors in your journey to financial success.

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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Asked by Anonymous - Apr 13, 2024Hindi
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I am 40 plan to get 1cr in next 10 year how much invest? Please suggest which mutual funds are good
Ans: To accumulate 1 crore in the next 10 years, you'll need to calculate the required monthly investment based on your expected rate of return. Here's a general outline to help you get started:

Calculate Required Monthly Investment: Determine the monthly investment required to reach your goal of 1 crore in 10 years based on your expected rate of return. You can use online SIP calculators or consult with a financial advisor to perform this calculation.
Choose Suitable Mutual Funds: Look for mutual funds that have a track record of consistent performance, align with your risk tolerance, and have the potential to deliver competitive returns over the long term. Consider a mix of large-cap, mid-cap, and multi-cap funds to diversify your portfolio and mitigate risk.
Review Fund Performance: Evaluate the historical performance of mutual funds you're considering investing in. Look for funds with a proven track record of outperforming their benchmarks and peers over various market cycles.
Consider Expense Ratios: Pay attention to the expense ratios of mutual funds, as lower expense ratios can lead to higher net returns over time. Choose funds with reasonable expense ratios that don't erode your investment returns significantly.
Seek Professional Advice: Consider consulting with a certified financial planner or investment advisor who can provide personalized recommendations based on your financial goals, risk tolerance, and investment horizon. They can help you create a customized investment plan tailored to your needs and objectives.
Remember to regularly review your investment portfolio and make adjustments as needed to stay on track towards achieving your financial goals. With careful planning and disciplined investing, you can work towards building a substantial corpus of 1 crore over the next 10 years.

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

Asked by Anonymous - Apr 14, 2024Hindi
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am 40 plan to get 1cr in next 10 year how much invest? Please suggest which mutual funds are good
Ans: To accumulate 1 crore in 10 years, you need to calculate the required monthly investment based on your expected rate of return. Here's a general approach:

Determine the expected rate of return: Based on historical data, a reasonable expectation for annual returns from equity mutual funds could be around 12-15%.
Use a financial calculator or online SIP calculator to find the monthly investment required to reach 1 crore in 10 years at your expected rate of return.
Once you have the required monthly investment amount, consider allocating it across a diversified portfolio of mutual funds. Look for funds with a track record of consistent performance, experienced fund managers, and aligned investment philosophy.
Since you have a 10-year investment horizon, you can afford to take some risk for potentially higher returns. Consider a mix of equity-oriented funds such as large-cap, mid-cap, and multi-cap funds to diversify across market segments and manage risk effectively.
Regularly review your investments and make adjustments as needed based on changes in your financial goals, market conditions, and risk tolerance.
Consult with a Certified Financial Planner for personalized advice tailored to your specific needs and goals.
By investing systematically in mutual funds and staying disciplined with your investment strategy, you can work towards achieving your goal of accumulating 1 crore in 10 years.

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Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 02, 2024Hindi
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My current monthly income is 1.2l i have a ppf of 15k and RD of 15k per month. I have 2 SIPs worth 3k each a month. Kindly suggest how much should I invest and where to invest so that I get around 4 5 Cr by the age of 45. FYI my current age is 29 and i hold no liabities as of now and unmarried.
Ans: You aim to accumulate Rs. 4-5 crores by the age of 45. With a current monthly income of Rs. 1.2 lakhs, you have a strong base to achieve this goal.

Current Investments
Your current investments include:

PPF: Rs. 15,000 per month

RD: Rs. 15,000 per month

SIPs: Rs. 6,000 per month (2 SIPs of Rs. 3,000 each)

Assessing Your Current Investments
PPF:

Advantages:

Safe and secure investment.

Tax benefits under Section 80C.

Decent long-term returns.

Disadvantages:

Lock-in period of 15 years.

Limited growth compared to equities.

Recurring Deposit (RD):

Advantages:

Guaranteed returns.

Suitable for short-term goals.

Disadvantages:

Taxable interest income.

Lower returns compared to mutual funds and stocks.

Systematic Investment Plans (SIPs):

Advantages:

Disciplined investment approach.

Potential for high returns over long term.

Rupee cost averaging benefits.

Disadvantages:

Market-linked risks.
Recommended Investment Strategy
Increase Equity Exposure
To achieve Rs. 4-5 crores by 45, you need higher equity exposure. Equity investments have historically provided higher returns compared to debt instruments.

Increase SIPs:

Increase SIP investments to Rs. 40,000 per month.

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

Balanced Approach
Maintain a balanced approach by continuing some investments in safe instruments.

Continue PPF:

Keep contributing Rs. 15,000 per month.

Provides stability and tax benefits.

Review RD:

Evaluate RD returns.

Consider diverting some RD funds to equity or hybrid funds for better growth.

Consider Hybrid Funds
Hybrid funds provide a mix of equity and debt, offering balanced risk and returns.

Monthly Investment:

Invest Rs. 10,000 per month in hybrid funds.

Suitable for moderate risk tolerance.

Emergency Fund
Ensure you have an emergency fund covering 6-12 months of expenses.

Safety Net:

Maintain liquidity for unforeseen expenses.

Keep it in a liquid fund or high-interest savings account.

Regular Reviews and Rebalancing
Monitor and rebalance your portfolio periodically to stay aligned with your goals.

Portfolio Review:

Quarterly or semi-annual reviews.

Adjust based on market conditions and personal goals.

Final Insights
To achieve Rs. 4-5 crores by 45, increase your equity exposure. Consider enhancing your SIP contributions significantly. Maintain a balanced approach with continued PPF contributions and emergency funds. Regularly review and rebalance your portfolio. This strategy aligns with your financial goals and risk profile, ensuring a secure and prosperous future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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I scored 93.04 percentile in JEE Mains and have registered for MHT CET counselling as an outside Maharashtra candidate, although I did not appear for the MHT CET exam. Based on this percentile, which are the best CSE colleges I can get? Additionally, I secured a rank of 20,039 in COMEDK. Which are the best colleges for CSE at this rank? Between MHT CET (through JEE Mains) and COMEDK counselling, which option would be more beneficial for me based on my rank and percentile?
Ans: Maddy, With a 93.04 percentile in JEE Main and registration under MHT-CET counselling as an outside Maharashtra candidate (without a CET score), along with a COMEDK rank of 20,039, your son has assured admission chances to a number of well-recognized colleges for Computer Science Engineering. These institutions demonstrate excellence in faculty credentials, NIRF/NBA/NAAC accreditations, campus infrastructure, placement records, innovative AI & ML/CSE-focused labs, and personalized academic mentorship. Based on cut-offs from previous years, the following 25 colleges are confirmed options where admission is feasible:

Cummins College of Engineering for Women (Karvenagar, Pune) closes CSE at ~96.37 percentile for outside-state candidates.
Vishwakarma Institute of Technology (Bibwewadi, Pune) closes Data Science/CSE at ~96.66 percentile.
D. Y. Patil College of Engineering (Lohegaon, Pune) closes CSE at ~95.58 percentile.
Dr. D. Y. Patil Institute of Technology (Pimpri, Pune) closes CSE at ~97.59 percentile.
Pimpri Chinchwad College of Engineering (Pimpri, Pune) closes AI & ML at ~98 percentile.
Bharati Vidyapeeth College of Engineering (Navi Mumbai) closes Computer Engineering at ~95.58 percentile.
Pune Vidyarthi Griha’s College of Engineering & Technology (Pune) closes CSE at ~94.52 percentile.
Fr. C. Rodrigues Institute of Technology (Vashi, Navi Mumbai) admits outside-state CSE around your rank.
Vidyalankar Institute of Technology (Wadala, Mumbai) admits outside-state CSE around your rank.
Don Bosco Institute of Technology (Kurla West, Mumbai) admits outside-state CSE around your rank.
Shah & Anchor Kutchhi Engineering College (Chembur, Mumbai) admits outside-state CSE around your rank.
SIES Graduate School of Technology (Nerul, Navi Mumbai) admits outside-state CSE around your rank.
CMR Institute of Technology (Bengaluru) admits CSE at closing rank ~10,000.
P.E.S. College of Engineering (Mandya) admits CSE at closing rank ~12,069.
B.N.M. Institute of Technology (Bengaluru) admits CSE at closing rank ~13,468.
RNS Institute of Technology (Bengaluru) admits CSE (Data Science) at closing rank ~17,262.
S.J.C. Institute of Technology (Chikkaballapur) admits CSE at closing rank ~37,012.
Acharya Institute of Technology (Bengaluru) admits CSE at closing rank ~27,741.
Atria Institute of Technology (Bengaluru) admits CSE at closing rank ~33,565.
Dayananda Sagar Academy of Technology & Management (Bengaluru) admits CSE at closing rank ~63,769.
NIE Mysore admits CSE at closing rank ~32,003.
Reva University School of Engineering (Bengaluru) admits CSE at closing rank ~85,000.
Global Academy of Technology (Bengaluru) admits CSE at closing rank ~80,000.
CMR University Faculty of Engineering (Bengaluru) admits CSE at closing rank ~90,000.
Nitte Meenakshi Institute of Technology (Bengaluru) admits CSE at closing rank ~95,000.

recommendation: Based on your current ranks, the best options include Cummins College of Engineering for Women (Pune), Dr. D. Y. Patil Institute of Technology (Pimpri, Pune), CMR Institute of Technology (Bengaluru), P.E.S. College of Engineering (Mandya), B.N.M. Institute of Technology (Bengaluru), Pimpri Chinchwad College of Engineering (Pune), and Vishwakarma Institute of Technology (Pune). These colleges ensure a strong balance of placement, infrastructure, learning ecosystem, and long-term CSE career outcomes. All the BEST for a Prosperous Future!

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