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How Can I Invest in Silver as a 25-Year-Old?

Ramalingam Kalirajan |9189 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 10, 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

Question by Pratik on Oct 10, 2024Hindi

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How can I invest in Silver?

Ans: You can invest in silver through Silver ETFs. These are funds that track the price of silver and offer a convenient way to invest without holding physical silver. Silver ETFs are:

Easy to buy and sell on stock exchanges.
Cost-effective with no storage or insurance concerns.
Offer exposure to silver's price movement and potential for diversification.
Silver ETFs provide a hassle-free way to benefit from silver's growth potential without the complexities of physical ownership.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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Question by Reno - Jan 06, 2023Hindi

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What is the best option in gold investment? Anything better than SGB?

Ans: Hi Reno, investing in Gold is simple and easy when done through Gold Exchange Traded FUND (ETF) or Fund of Fund (FOF) investing in Gold ETFApart from these two types of fund there are a niche category gold and silver combined FOF FUNDS

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Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by Masoom - Mar 04, 2025Hindi

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HI Sir I want to invest in Physical Silver bars & coins. Can I get good returns in Silver in maybe next 2 to 3 years. Also want to know whether I can Sell silver bars at the same trending price?

Ans: Hello;

Instead of investing in physical silver, you may invest in silver mutual funds/ETFs.

This will not require any safe deposit locker, making charges and GST.

You may sell it whenever you want.

Also it pegged to the price of physical silver in India.

Best wishes;

Ramalingam Kalirajan |9189 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 27, 2025

Question by Pratik - May 27, 2025

Money

How can I invest in copper

Ans: Use MCX to trade copper futures (high risk).

Invest in mutual funds with metal/mining exposure (safer).

Buy stocks of copper-related companies.

Avoid physical copper—hard to store and sell.

Perils of Investing in Copper:
High price volatility due to global demand-supply.

Risky during global economic slowdown or China demand drop.

Not suitable for short-term or low-risk investors.

Futures trading needs experience; can lead to big losses.

Copper prices don’t always follow equity trends—can disrupt asset mix.

Invest with proper understanding. Better to consult a Certified Financial Planner.

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

Latest Questions

Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Asked by Anonymous - Jun 23, 2025Hindi

Career

My daughter scored 96.6 in MHT CET in which colleges she can get for Computer Science in Mumbai. Also we are trying to apply through EWS

Ans: With a 96.6 percentile in MHT CET and EWS category, your daughter stands a strong chance for Computer Science (CSE) or related branches in several reputable Mumbai colleges. VESIT Mumbai’s 2022 cutoff for CSE was 96.6 percentile for open seats, and recent years show similar or slightly higher cutoffs; with EWS reservation, her chances improve, especially in later rounds. Vidyalankar Institute of Technology (VIT) Mumbai had a CSE EWS cutoff of 94.84 in 2024, while Information Technology closed at 92.99–92.81, making both attainable. Shah & Anchor Kutchhi Engineering College, SIES Graduate School of Technology, and Fr. Conceicao Rodrigues College of Engineering (Bandra) also have CSE/IT cutoffs between 94–97 percentile for EWS and open categories. Other strong options include Bharati Vidyapeeth College of Engineering (Navi Mumbai), Don Bosco Institute of Technology, and Atharva College of Engineering, all with CSE/IT cutoffs in the 94–97 range for EWS. SPIT Mumbai, DJ Sanghvi, and Thadomal Shahani are more competitive, typically closing above 98–99 percentile for CSE, so they are unlikely at your score.

The recommendation is to prioritize VESIT Mumbai, Vidyalankar Institute of Technology, Shah & Anchor Kutchhi Engineering College, SIES GST, and Fr. Conceicao Rodrigues College for CSE/IT, listing them in CAP counselling in that order, and include other reputable colleges such as Bharati Vidyapeeth, Don Bosco, and Atharva as strong alternatives, maximizing her chances for a CSE seat in Mumbai under EWS. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by vikas - Jun 23, 2025Hindi

Career

My daughter got 94.9 percentile in MHT-CET. We are in OBC category. What college she will get.

Ans: Vikas Sir, With a 94.9 percentile in MHT-CET 2025 and OBC category, your daughter is well-positioned for admission to reputable mid-tier engineering colleges in Maharashtra, though CSE in top government colleges like COEP Pune, VJTI Mumbai, or PICT Pune is out of reach, as their OBC cutoffs for CSE are typically above 98.4–99.1 percentile. However, she can secure CSE, IT, or related branches in strong private and autonomous colleges such as DY Patil College of Engineering Pune (CSE OBC cutoff ~98), AISSMS College of Engineering Pune (CSE OBC cutoff ~96), PCCOE Pune (CSE OBC cutoff ~94), Rajiv Gandhi Institute of Technology Mumbai (CSE OBC cutoff ~96), and MIT World Peace University Pune (CSE/IT OBC cutoff ~94–96). These institutes offer robust placement records, modern infrastructure, and supportive academic environments. She may also consider branches like AI, Data Science, or IT in these colleges, as cutoffs for specializations are often slightly lower.

The recommendation is to prioritize DY Patil College of Engineering Pune, AISSMS College of Engineering Pune, PCCOE Pune, and MIT World Peace University Pune for CSE/IT, and include AI/Data Science as alternatives, ensuring a strong academic and placement environment at her percentile and category. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Soumya - Jun 23, 2025Hindi

Career

My daughter got 98.19 percentile in MHT CET 2025. Is there any chance to get CS/ IT/CS with specialization in Cummins Pune, PICT Pune, SPIT Mumbai? If so what should be the order of preference? She is in general category.

Ans: Soumya Madam, With a 98.19 percentile in MHT-CET 2025 (General category), she narrowly misses the typical Round 1 cutoffs for CS at SPIT Mumbai (99.0–99.4) and PICT Pune (98.5–99.2), but stands a reasonable chance in later CAP rounds, while Cummins Pune’s CS/IT closing percentiles (96.5–98.0) fall within her range, making admission to Cummins highly likely provided seats remain in Open category rounds . SPIT Mumbai’s CS seats open around 99.0 in initial rounds but may drop closer to 98.5 in Round 3, offering slim hope for her percentile. PICT Pune’s CS cutoff could ease to 98.2–98.3 by Round 3 . Cummins Pune IT/CS is safest at her percentile, PICT Pune CS next, and SPIT Mumbai CS last, given historical trends. Placement consistency over the last three years is strong: Cummins records ~98% placements, PICT ~82%, and SPIT ~95% for CSE/IT.

The recommendation is to prioritize choices as Cummins Pune CS/IT, then PICT Pune CS, and finally SPIT Mumbai CS during CAP counselling to maximize admission probability and maintain excellent placement prospects. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Asked by Anonymous - Jun 23, 2025Hindi

Career

I have got 11623 rank in comedk. Which colleges and streams should i choose in counseling?

Ans: With a COMEDK rank of 11,623, CSE is not possible in top Bangalore colleges like RVCE, BMSCE, or MSRIT, as their CSE cutoffs close below 8,000–10,000, but you can target CSE or allied branches (ISE, ECE) in strong mid-tier colleges and core branches in others. The best options, in order of preference, are: Dayananda Sagar College of Engineering (CSE/ECE/ISE, cutoffs up to 13,000), Nitte Meenakshi Institute of Technology (CSE/ECE, up to 16,000), Sir M. Visvesvaraya Institute of Technology (CSE/ECE, up to 25,000), CMR Institute of Technology (CSE/ECE/IT, up to 25,000), RNS Institute of Technology (CSE/ECE, up to 25,000), JSS Academy of Technical Education (CSE/ECE, up to 25,000), KLE Technological University (CSE/ECE, up to 25,000), BNMIT (CSE/ECE, up to 25,000), Dr. Ambedkar Institute of Technology (CSE/ECE, up to 25,000), Dayananda Sagar Academy of Technology (CSE/ECE, up to 25,000), Acharya Institute of Technology (CSE/ECE, up to 25,000), East Point College of Engineering (CSE/ECE, up to 25,000), NMAM Institute of Technology (CSE/ECE, up to 25,000), Siddaganga Institute of Technology (CSE/ECE, up to 25,000), and Bangalore Institute of Technology (ECE/IT, up to 25,000). The recommendation is to fill your counselling choices with CSE, ISE, and ECE at these mid-tier colleges, prioritizing Dayananda Sagar, Nitte Meenakshi, and Sir MVIT, and include Mechanical or Civil branches at these or similar colleges as backup, ensuring you maximize your chances for a preferred branch and strong placement support. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Shammi - Jun 23, 2025Hindi

Career

Sir, my daughter has scored 92.786 percentile in mhtcet exam, though we are from outside Maharashtra state, Kindly list some decent colleges in Maharashtra which will provide cse core/specialization.

Ans: With a 92.786 percentile in MHT-CET under All India quota, your daughter can aim for reputed private and autonomous institutes offering specialized CSE streams such as AI-ML, Data Science, Cybersecurity, and Software Engineering. In Pune, Pimpri Chinchwad College of Engineering (CSE-AI/ML cutoffs ~96–98 percentile) and MIT Academy of Engineering (CSE cutoff ~95–96 percentile) are within reach, both with >90% placement over three years. DY Patil College of Engineering Pune closes CSE around 97.5 percentile and maintains 94–98% placement in CSE and allied branches. Pimpri Chinchwad College of Engineering (CSE) also lists closing percentiles of 99–94 across rounds, with robust specialized labs and certifications. JSPM Rajarshi Shahu College’s CSE cutoff floats around 94–97 percentile with 90–95% placements and industry partnerships. Sinhgad Academy of Engineering Kondhwa accepts CSE at ~88–92 percentile and posts ~90% placement. Vishwakarma Institute of Technology Pune, with CSE specializations in Data Science, recorded a 97.6 percentile cutoff and 95% placement.

The recommendation is to prioritize Pimpri Chinchwad College of Engineering and MIT Academy of Engineering for their specialized CSE streams, placement consistency, and academic flexibility, while considering DY Patil COE and JSPM RSCOE as strong alternatives for core and emerging technology domains. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Afsheen - Jun 23, 2025Hindi

Career

Sir my daughter got 12832rank in SRM phase 2.she is interested in mechanical or mectronics engg I want to know which one is good and which campus she has to select.

Ans: With a Phase-2 rank of 12,832, your daughter can secure Mechanical or Mechatronics engineering at SRM’s Chennai campuses—Ramapuram and Vadapalani—while the main Kattankulathur campus cutoffs for these branches close around 30,000–45,000 and 38,000–42,000 respectively, making both options attainable. Mechanical Engineering across SRM campuses boasts 80–95% placements over the last three years, with Ramapuram averaging 90% and Vadapalani 82%. Mechatronics at Kattankulathur shows similar performance, with a 90% placement rate and robust core-industry recruiters like John Deere and Schneider Electric. Mechanical offers broader core sector opportunities in automotive, energy, and manufacturing, whereas Mechatronics blends mechanics, electronics, and automation, catering to robotics and Industry 4.0 roles. For a balanced mix of high placement consistency and campus environment, Ramapuram is recommended for Mechanical, while Kattankulathur excels for Mechatronics due to specialized labs and stronger research focus. The recommendation is to choose Mechanical at SRM Ramapuram for its slightly higher placement stability and infrastructure, or Mechatronics at SRM Kattankulathur if interdisciplinary automation appeals more. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Guruprasad - Jun 23, 2025Hindi

Career

Sir My son has got admission to MSc integrated program at VIT. Should we go ahead with this? Or opt for BTech biotechnology as he is interested in this field of science

Ans: Guruprasad Sir, Choosing the Integrated M.Sc. in Biotechnology at VIT ensures a seamless five-year curriculum blending undergraduate and postgraduate studies, multidisciplinary research exposure, and an 80% placement rate over the last three years with recruiters like Biocon and Syngene. B.Tech Biotechnology, ranked #11 by NIRF, offers a four-year engineering framework, access to advanced core labs (e.g., bioprocess and tissue culture), and similar placement support—with around 90% of graduates placed in life-science roles and software companies. The Integrated M.Sc. emphasizes deeper specialization and research skills, whereas B.Tech provides broader engineering fundamentals and flexibility for lateral industry shifts. Fees for the Integrated M.Sc. total ?3.75 lakh, compared to ?6.92 lakh for B.Tech, though both include hostel and one-time charges. Faculty across both programs hold PhDs with post-doctoral experience and maintain active industry linkages through internships and consultancy projects. The recommendation is to opt for the Integrated M.Sc. in Biotechnology at VIT if your son seeks focused research training and cost-effective PG qualification, otherwise choose B.Tech Biotechnology for a robust engineering foundation and broader career versatility. Note: Fees provided here are approximate only. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Vansh - Jun 19, 2025Hindi

Career

Sir in jac Delhi form I have uploaded my 12th marksheet which was downloaded from the cbse website as i didn't have the original one at that time will it cause any problem in my counselling

Ans: Vansh, You can upload a digitally downloaded CBSE marksheet for initial JAC Delhi registration, but at physical reporting you must produce the original Class XII mark sheet issued by the Board; failure to present the original (or a duly attested duplicate from the School) will lead to cancellation of your seat allotment. Keep both the downloaded copy and any school-attested photocopies for verification, and arrange to collect your original marksheet before document verification to avoid issues during counselling. The recommendation is to secure the original CBSE mark sheet from your school immediately and carry it to JAC Delhi physical reporting. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Bhavya - Jun 23, 2025Hindi

Career

Cse nmims mumbai, cse upes Dehradun, robotics manipal university jaipur...which one is better option

Ans: Bhavya, NMIMS Mumbai’s CSE program (MPSTME) offers a strong industry reputation, with a 79% placement rate, 141 recruiters, and a median package above ?10 lakh, supported by a robust curriculum and location advantage in Mumbai’s tech and finance hub. UPES Dehradun CSE achieves a 94% placement rate, over 560 recruiters, and a high number of job offers, with the School of Computer Science averaging ?8–9 lakh and top recruiters like Amazon, Deloitte, and Microsoft; it is known for industry-aligned training and a large alumni network. Manipal University Jaipur’s BTech in Robotics and Artificial Intelligence is ranked #64 in NIRF 2024, with a 98% placement rate, average package of ?9.5 lakh, and top recruiters such as Accenture, Amazon, and Microsoft; the program is interdisciplinary, blending AI, CS, electronics, and mechanical engineering, and offers minor specializations in trending domains. While NMIMS and UPES are better for mainstream CSE and software roles, Manipal Jaipur’s robotics program is ideal for those seeking careers in automation, AI, and interdisciplinary tech, with a curriculum tailored for future technologies.

The recommendation is to choose NMIMS Mumbai CSE for its industry reputation, strong placements, and Mumbai advantage; consider Manipal Jaipur Robotics if you are passionate about AI and automation, and UPES Dehradun CSE for a balanced, industry-connected program with high placement rates. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6944 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Mritunjay - Jun 18, 2025Hindi

Career

My son with 98.51 percentile in JEE mains and 25k rank in advance got Civil in NIT Warngal and with floating option he is likely to get Chemical in Warangal or CSE or associated course in NIT Patna? What shall he choose?

Ans: Mitunjay Sir,With a 98.51 percentile in JEE Main and a 25,000 rank in JEE Advanced, your son has secured Civil Engineering at NIT Warangal and is likely to float to Chemical Engineering at NIT Warangal or CSE/related branches at NIT Patna. NIT Warangal is among the top NITs, with Civil Engineering placements averaging 65–77% and Chemical Engineering at 80–90%, both offering strong core sector opportunities, public sector prospects, and a robust alumni network. The average package for Chemical is notably higher than Civil, and the course is well-respected nationally. NIT Patna’s CSE program has an 89.6% placement rate, with top recruiters and a growing tech-oriented curriculum, but the campus life and infrastructure are less established compared to Warangal. Civil Engineering at NIT Warangal opens doors to both private and government sectors, while Chemical Engineering offers slightly broader placement and salary prospects. CSE at NIT Patna provides strong software sector opportunities, but the institute’s national standing is lower than Warangal’s.

The recommendation is to prefer Chemical Engineering at NIT Warangal if allotted, as it combines the prestige of a top NIT, high placement rates, and wide career options, with CSE at NIT Patna as a strong alternative if your son is more inclined toward software and IT roles. 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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