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Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Nov 22, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Question by Edwin on Sep 09, 2023Hindi

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I want invest 10000 monthly in sip, please suggest

Ans: start with a large cap mutual fund any 4 + star rated one

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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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Mar 31, 2023

Question by Krutika - Mar 29, 2023Hindi

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I want to invest monthly 10000 in sip, kindly advise

Ans: The funds will depend on your future requirements and the time duration of your investment.
Generally for a younger age group who has a time horizon of 7 years + , one can invest in small caps, mid caps and thematic funds.

Ramalingam Kalirajan |9195 Answers |Ask -Follow

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

Question by Sadanand - Mar 31, 2023Hindi

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Wish to invest Rs. 30000 per month in SIP. My view is long term between 5 to 7 years.

Ans: Investing Rs. 30,000 per month in SIPs with a long-term horizon of 5 to 7 years is a prudent strategy for wealth accumulation. Here's a suggested allocation across different types of mutual funds:

Large-cap funds: Allocate around 40% (Rs. 12,000) to large-cap funds for stability and consistent returns. These funds invest in well-established companies with a track record of steady growth.

Mid-cap funds: Allocate around 30% (Rs. 9,000) to mid-cap funds for potential higher growth. These funds invest in medium-sized companies with the potential for rapid expansion.

Small-cap funds: Allocate around 20% (Rs. 6,000) to small-cap funds for aggressive growth potential. These funds invest in small-sized companies with the potential for significant capital appreciation.

Balanced funds: Allocate around 10% (Rs. 3,000) to balanced funds for diversification and reduced volatility. These funds invest in a mix of equities and fixed-income securities.

Ensure you choose SIPs from reputable fund houses with a proven track record of consistent performance and align your investments with your risk tolerance and financial goals. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards your long-term objectives.

Ramalingam Kalirajan |9195 Answers |Ask -Follow

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

Question by ASHOK - Apr 19, 2024Hindi

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Sir, I am planning to invest in SIP Rs.10000/- per month for long term. Say 25 to 30 years. Kindly advise.

Ans: Long-Term SIP Investment Strategy
Investing ?10,000 per month in a Systematic Investment Plan (SIP) for 25 to 30 years is an excellent strategy to build substantial wealth over the long term. Given the extended horizon, you can benefit from the power of compounding and ride out market volatility. Let’s explore a comprehensive investment plan to achieve your financial goals.

Understanding Your Investment Goals
Before diving into specific fund recommendations, it's important to define your investment goals. Are you saving for retirement, children's education, buying a house, or other long-term financial objectives? Clear goals will help tailor your investment strategy.

Diversified Portfolio for Long-Term Investment
A diversified portfolio is key to balancing risk and return. Here’s a suggested allocation for a long-term SIP investment:

Equity Mutual Funds
Equity Mutual Funds are ideal for long-term growth. They offer higher returns compared to other asset classes over an extended period. Given your long horizon, you can afford to take on more equity exposure.

Large Cap Funds: 30-40%

These funds invest in well-established companies with stable returns. They are less volatile and provide steady growth.
Mid Cap Funds: 20-30%

Mid cap funds invest in medium-sized companies with high growth potential. They offer a balance between risk and return.
Small Cap Funds: 10-20%

Small cap funds invest in smaller companies with significant growth potential but higher volatility. These funds can provide substantial returns over the long term.
Hybrid or Balanced Funds
Hybrid or Balanced Funds invest in a mix of equity and debt instruments, providing a balanced approach to risk and return.

Allocation: 10-20%
These funds offer stability through debt investments while participating in equity market growth.
Debt Funds
Debt Funds provide stability and are less volatile compared to equity funds. Including a small portion of debt funds can help manage risk.

Allocation: 10-20%
Invest in high-quality short-term and medium-term debt funds for better liquidity and safety.
Systematic Investment Plans (SIPs)
SIPs help in averaging the purchase cost over time and instill disciplined investing. Regular investments reduce the impact of market volatility and enable you to benefit from rupee cost averaging.

Suggested Funds
When selecting specific mutual funds, consider the following criteria:

Consistent Performance: Choose funds with a strong performance track record across different market cycles.

Experienced Fund Managers: Opt for funds managed by experienced and reputable fund managers.

Low Expense Ratios: Lower costs mean more of your money is invested, leading to better returns.

Fund House Reputation: Select funds from reputable and stable fund houses.

Regular Monitoring and Rebalancing
Regularly monitor your portfolio to ensure it aligns with your investment goals. Rebalance your portfolio periodically to maintain the desired asset allocation and manage risk.

Consulting a Certified Financial Planner
Engage with a Certified Financial Planner for personalized advice. They can provide a tailored investment strategy based on your financial situation, goals, and risk tolerance.

Conclusion
Investing ?10,000 per month in SIPs for 25 to 30 years is a robust strategy for building wealth. A diversified portfolio with a mix of large, mid, and small cap funds, along with hybrid and debt funds, can help you achieve your financial goals. Regular monitoring and consultation with a Certified Financial Planner will ensure your investments stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |9195 Answers |Ask -Follow

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

Asked by Anonymous - Apr 28, 2024Hindi

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Sir i want to invest in sip my monthly saving will be between 1000 to 2500 Rs please advice.

Ans: It's great that you're looking to start investing through SIPs with your monthly savings! Here's some advice tailored to your budget:

Start Small: Even with a modest monthly savings of Rs. 1000 to 2500, you can begin investing through SIPs. The key is to start early and remain consistent with your contributions.
Choose Low-Cost Funds: Look for mutual funds with low expense ratios, as they minimize the impact of fees on your returns. Opt for direct plans of mutual funds to save on distribution expenses.
Focus on Equity Funds: Given your long-term investment horizon, consider investing in equity mutual funds. These funds have the potential to deliver higher returns over the long run, although they come with higher volatility.
Diversify Your Portfolio: Select a mix of different types of equity funds, such as large-cap, mid-cap, and multi-cap funds, to spread your risk across various market segments. Diversification can help mitigate the impact of market fluctuations.
Stay Invested for the Long Term: SIPs work best when you stay invested for the long term, allowing your investments to benefit from the power of compounding. Aim to invest consistently over several years to maximize your returns.
Review and Adjust: Periodically review your SIP investments to ensure they align with your financial goals and risk tolerance. You may need to adjust your investment strategy based on changes in your financial situation or market conditions.
Stay Informed: Take the time to educate yourself about mutual funds, investment strategies, and market trends. This knowledge will empower you to make informed decisions and stay on track with your financial goals.
Consult a Financial Advisor: If you're unsure about which funds to invest in or how to construct your investment portfolio, consider consulting a financial advisor. They can provide personalized advice based on your financial situation and goals.
By following these tips and starting your SIP journey with discipline and patience, you can gradually build wealth over time and work towards achieving your financial objectives. Remember, every rupee invested today can make a difference in securing your financial future tomorrow.

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Anu Krishna |1624 Answers |Ask -Follow

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

Asked by Anonymous - Jun 10, 2025Hindi

Relationship

, I have been married for almost 14 years and have a 10 year old. A few months ago my husband found some intimate chats of mine with someone else. I am extremely remorseful of my actions. Honestly those chats happened because my husband never showed me any love or concern. However I know that's not excuse to have those chats. After seeing those chats he got extremely angry and threw me out of the house. It's been more than 3 months. He is not willing to forgive me. He wants separation and he has told our daughter also that we are separated. I am so heartbroken that because of my blunder I lost my husband and daughter. Is there any way I can get back with my husband

Ans: Dear Anonymous,
There are always going to be reasons to do something or not do something and there is no point mulling over it.
For your husband, his trust has been broken!
Now, is it hard to bring back that trust? Yes, especially with the way your husband has reacted on it. He does seem sensitive about the whole thing and understand that it has possibly hit the pride of a man who is meant to keep his family happy and safe. Suddenly, the world that he had protected is encroached upon by another man. Your husband is bound to feel 'less', 'inadequate' and 'worthless'. That is why he has opted to separate as he finds it difficult to reconcile or even think of why he could not take care of his family.
Now, rather than beating yourself up for it, gather the courage to talk to your husband requesting him for a one on one chat with you. If you want this marriage to work, even your husband needs to work with you...no point acting on it the way he has and not take the responsibility of connecting with you emotionally that could possibly have been one of the reasons that you sought comfort elsewhere. An expert intervention will help provided your husband is also willing.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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

Question by Niveditha - Jun 07, 2025Hindi

Relationship

Hi ma'am I'm 25 years old and my relationship with my parents is getting sour since a very long time they always want me to do everything that makes them happy and think about their happiness if I ever think about my happiness or do anything that makes me happy then they fight with me and portray me as a bad daughter and my dad has always said that if she will ever think about her happiness or do anything that makes her happy then I'm gonna leave everything and go so does my mom she also threatened to cut ties with me if I ever do anything that makes me happy my parents never supported me for anything they never ask me who I wanna get married to who I'll b happy with what profession i wanna take nothing but it's always about them in my family there are 16 members who have had love marriage and inter religion marriages my grandmother stays 15kms away from my house she has 3 kids 2 of her daughters had a love marriage one to a muslim one to a hindu her one daughter ran and got married to a hindu guy at that time my mom dad and her mom didn't even say a word but accepted him with open arms and my grandmother got her 2nd daughter married to her boyfriend who is a muslim during Covid 2020 without informing any of our relatives when my parents got to know about her daughters marriage they invited her for lunch at my place they didn't even say a word or opposed that marriage but accepted him with open arms and showered them with love When I fell in love with a hindu guy my mom started to seperate me from him and she is telling everyone to brainwash me to leave the person person I love and find a suitable Christian guy for me when ever we go to my grandmother's house my mom always brings up my boyfriend's topic and start fighting with me infront of them we went there 3 times and all the 3 times she fighted with me and told everyone to brainwash me my mom always support my grandmother's children if anything happens to them she will call them 10 times and ask how they are and when my grandmother was ill treating me my mom didn't even take a stand for me or raised her voice for me but she was watching everything as a movie is going on when I was crying after we came back to my house my mom didn't even ask me what am I going through she always support my grandmother who did bad with me if they will say not to let her work and get her married my mom will listen to her and her daughters and my grandmother also started forcing me that I should also listen to her and get married to a guy who they choose and i should not at all think about my happiness and what makes me happy in my life and i should think about her and my parents happiness and my uncle who lives in Hyderabad he also started to get interfere in my personal life since the time he got to know I fell in love with a hindu guy he also started to seperate me from him and forcefully get me marriage to a guy of his choice my uncle's wife has been expired 15 years back and this age he has a girlfriend who lives in banglore she is a divorcee and her daughter is also a divorcee who he met in Facebook i didn't interfere in anyone's personal life or seperated them from their boyfriend or girlfriend and everyone who have had love marriages in my family and everyone are happy with their partners when it comes to me my parents uncle my grandmother and her daughters who have had love marriage always try to seperate me from my boyfriend and forcefully get me married to a Christian guy if anyone in my family will fall in love with a inter religion person then he/she is a good guy/girl according to them if I fall in love they seperate me from him and forcefully get me Married to a Christian guy i told my parents many times to talk to him and know him but they are like no we don't like him and they always say he is not a good person and always judge my boyfriend even without talking or knowing him once but for others even without talking to their partners they say he is a good person and they will accept him with open arms and also invite them for lunch and everything and will always stay at their place during trips but if I do they will mentally harass me to leave the person I love and get married to a guy of their choice recently we went to Bangalore for my sister's marriage who also had a love marriage at that time my uncle had come to the wedding and he was asking my mom did u brainwash her to leave him and get her married to someone else and my mom was saying yes I did with my aunt's daughter who also had love marriage I don't understand why they always try to seperate me from the person I love and forcefully get me married to someone else who I'm not at all interested in when I'm telling them about him they are not ready to listen to me at all plus they are mentally harassing me to leave him if I take help of any of my relatives who had love marriages in this matter they will not listen to me but force me to listen to my parents and do as they say what should I do ma'am I'm shattered

Ans: Dear Niveditha,
I gather that many members of your family are against your relationship and interfering in a way that will keep you away from him. My question to you is: Are you financially independent? If Yes, it helps you stand up for yourself. But is NO, then this will make you vulnerable to their decisions...
Now another question: why are they so against this boy? Is he younger to you or not working and financially sound? I mean, what is the reason according to you that they have chosen to be against this when they are okay with others in the family doing the same?
There is surely something that they are not comfortable when it comes to the boy that you are in love with. Find out what that is; it's the question of you life, so don't be so floored by love that you miss out on a red flag. Also, it will help if you stop comparing your situation to others and indulge in so much self-pity. Focus on what exactly is going on, ask your parents as a mature adult on why they dislike the boy and understand if it's real or not and act accordingly. so much of blame game and self-pity will only take your focus out and you will end up more miserable and not do what's the right thing for yourself.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Radheshyam Zanwar |3887 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 24, 2025

Asked by Anonymous - Jun 24, 2025Hindi

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Sir My Son is having cse Jaypee noida, DSAI in Thapar,CSE Manipal bengluru likely get manipal main in next round, which is abetter choice . please help in selecting one.

Ans: Hello dear.
Preference order: (1) DS AI @ Thapar (2) CSE @ Manipal Bangalore (3) CSE @ Manipal main if offered (4) CSE @ Jaypee. The final choice will be yours.
Best of luck.
Follow me if you like the reply. Thanks
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Radheshyam Zanwar |3887 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 24, 2025

Asked by Anonymous - Jun 24, 2025Hindi

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Sir.my pcm b 63%.I eligible for JEE Mains.

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Please provide more details and ask the question very clearly without using any abbreviations.

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Question by Manti - Jun 24, 2025Hindi

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Sir me 27 saal ka ho chuka hu aur mujhe avi civil engineering se diploma karna hai to kya me kar sakta hu aur aage jake mujhe job lene me koi dikkat to nhi hogi mere age ko leke pls guidance kijiye

Ans: Hello Mantri.
You can join a diploma course at any time. There is no age limit. There should be no problem in getting jobs. However, considering your age, it might be better to choose other career options.
Best of luck.
Follow me if you like the reply. Thanks
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Radheshyam Zanwar |3887 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 24, 2025

Asked by Anonymous - Jun 24, 2025Hindi

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Hello sir, My Nephew got 84.7 percentile in MHCET and in NMIMS phase 2 test got 3747 merit number What are his chances to get good college for ECE or CS branch. He is from other state as well Also how about IT branch compare to CSE if he can go for that. NMIMS councelling is on 26th and MHCET CAP round has not started, shall he wait for MHCET CAP round. Please suggest

Ans: Hello dear.
With the MHT-CET score, his chances of getting CS or ECE are very slim in Govt colleges, but he may get a seat in private colleges located in remote areas. If NMIMS offers you CS/ECE, then go with it.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Samraat Jadhav |2355 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 24, 2025

Question by Pravin - Jun 23, 2025Hindi

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Sir, I have 1000 Eskay k 'N' IT shares and 10 Innovative Foods shares, but they are not trading. Now, what to do?

Ans: waiting, there is nothing that you can do now.

Radheshyam Zanwar |3887 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 24, 2025

Question by It's - Jun 24, 2025Hindi

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My son get iit delhi civil kya uska place ment it co. Mai ho jayega

Ans: Hello dear.
Civil @ IIT Delhi is an excellent option and has bright chances of placement. Don't worry much more.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Radheshyam Zanwar |3887 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 24, 2025

Question by Jaiprakash - Jun 24, 2025Hindi

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Sar Meri daughter ko MH CET mein PCB main 67% marks Aaye Hain aur PCM mein 47 percent marks Aaye Hain vah AI engineer ki padhaai karna chahti hai aap kuchh suggest Karen kaun sa college sahi hai Ham Nagpur mein rahte hain

Ans: Hello jaiprakash
Please contact the administrative office of your preferred college in Nagpur and inquire about the availability of the AI branch through the management quota. If available, proceed with the admission. Note: Based on his score in PCM, branches like AI / ML / CSE may pose academic challenges for her.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Radheshyam Zanwar |3887 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 24, 2025

Question by sudhakar - Jun 24, 2025Hindi

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My Son got 1141 Rank in SRMJEE and he already have admission offer from KIIT bhubaneswar For CSE. Which option should we go with. Or should we go with EC or CS. Please advise

Ans: Hello Sudhakar, both options are strong, and choosing between SRM and KIIT is difficult. What SRM will offer is still unclear. If SRM offers CSE, then pick either KIIT or SRM, whichever is closer to your hometown,n to reduce expenses.
Best of luck.
Follow me if you like the reply. Thanks
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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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