Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 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 - Apr 16, 2024Hindi
Listen
Money

Iam 34 years old. I have invested by SIP in HDFC large and midcap fund, HDFC Nifty 50 index fund and Sundaram flexi cap fund each Rs. 2500. I can invest another 7500 monthly.Can you suggest how to go about it.

Ans: It's excellent that you're proactively investing through SIPs, which is a prudent approach to building wealth over time. Let's explore how you can further allocate your additional investment of Rs. 7500 per month:
1. Diversification: Since you already have exposure to large and mid-cap stocks through HDFC Large and Midcap Fund, and to the Nifty 50 index through HDFC Nifty 50 Index Fund, you may consider diversifying into other market segments or asset classes to spread risk.
2. Consider Small-cap or Sectoral Funds: To enhance diversification, you could allocate a portion of your additional investment to a small-cap fund or a sectoral fund. Small-cap funds have the potential for high growth but come with higher risk, so ensure it aligns with your risk tolerance. Sectoral funds invest in specific sectors like technology, healthcare, or banking, offering focused exposure to particular segments of the market.
3. International Exposure: Another option is to consider investing in an international fund to diversify geographically. International funds provide exposure to global markets, offering opportunities for growth and diversification beyond domestic equities. This can help reduce portfolio risk through exposure to different economies and currencies.
4. Debt Funds for Stability: Depending on your risk profile and investment goals, you might also consider allocating a portion of your additional investment to debt funds for stability. Debt funds invest in fixed-income securities like bonds and offer lower volatility compared to equity funds. They can serve as a cushion during market downturns while providing steady income.
5. Review and Rebalance: Regularly review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Rebalance your portfolio if necessary by adjusting your asset allocation based on changing market conditions or personal circumstances.
By diversifying your portfolio across different asset classes and market segments, you can mitigate risk while potentially enhancing returns over the long term. Consider consulting with a Certified Financial Planner to tailor an investment strategy that aligns with your specific financial objectives and risk profile.
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Listen
Money
Hello Sir, myself Venkatesh aged 35 working in PSU current monthly takehome salary is Rs.1.20lac investing Rs.1,50,000/- in PPF per annum, havings corpus in fixed deposits around Rs.30lacs, investing in Mutual funds through monthly SIP of Rs.8000/- in three funds from past 3years 1.Parag Parikh Flexi Cap Fund-Reg(G)- 3K 2. Mirae Asset Large Cap Fund-Reg(G)- 3K 3. Axis Focused 25 Fund-Reg(G)- 2K. Now i want to invest another Rs.15,000/- per month for 18-20years and also advise by what amount i can stepup my existing portfolio for better returns.
Ans: Venkatesh! It's great to see your disciplined approach towards saving and investing. With your stable income and existing investments, adding Rs. 15,000 per month for 18-20 years can significantly boost your long-term wealth accumulation.

Considering your current portfolio, you may diversify further by adding funds from different categories to spread risk. Consider allocating the additional investment across different types of mutual funds such as mid-cap funds, small-cap funds, or international funds to enhance diversification.

As for stepping up your existing portfolio, you can consider increasing your SIP amounts gradually over time. Analyze the performance of your current funds and the potential for growth. Based on your risk tolerance and financial goals, you may consider increasing the SIP amounts in funds that have shown consistent performance and align with your investment objectives.

Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals. Together, you can create a comprehensive investment plan to maximize returns and achieve your long-term financial objectives. Keep up the excellent work with your savings and investments!

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

Listen
Money
My self Neeraj Bajpai and invested Rs. 47000.00 per month in mutual fund through SIP in Axis m/f, SBI Contra fund, Nippon fund, Parag Parikh, Motilal Oswal, Tata etc. My Goal is 2 CR next 9.5 years, its is sufficient. Already invesedt in M/F in Rs. 20 Lakhs for next 9.5 years. Please advise me.
Ans: Hello Neeraj, it's great to see your commitment to investing in mutual funds through SIPs for your financial goals. Let's delve into your situation and explore whether your current investment strategy aligns with your goal of accumulating 2 crores in the next 9.5 years.

Here are some key points to consider:

Current Investment: Your monthly SIP of Rs. 47,000 spread across various mutual fund schemes indicates a disciplined approach towards wealth creation.
Goal Analysis: Your target of accumulating 2 crores in the next 9.5 years is ambitious yet achievable with proper planning and consistent investing.
Assessment of Investment Horizon: With a relatively short time horizon of 9.5 years, it's essential to strike a balance between growth-oriented and stable investment options.
Diversification: Your investment portfolio appears diversified across multiple mutual fund schemes, which is a prudent approach to mitigate risks and capture potential returns from various market segments.
Risk Management: Given the volatility inherent in equity markets, it's crucial to periodically assess and rebalance your portfolio to ensure it remains in line with your risk tolerance and financial goals.
Regular Monitoring: Regularly monitoring the performance of your mutual fund investments and making necessary adjustments based on changing market conditions and your evolving financial situation is imperative for long-term success.
Professional Guidance: While you're already on the right track with your investments, seeking advice from a Certified Financial Planner can provide you with personalized insights and strategies to optimize your portfolio for achieving your financial goals.
In summary, while your current investment approach demonstrates prudence and commitment, it's essential to continue monitoring your portfolio's performance and make adjustments as needed to stay on track towards your goal of accumulating 2 crores in the next 9.5 years. With proper planning, discipline, and professional guidance, you can work towards achieving financial security and prosperity for yourself and your loved ones.

Keep up the good work, Neeraj, and stay focused on your financial goals. Your dedication to investing will undoubtedly yield fruitful results in the years to come.

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

Listen
Money
Hi Experts, I am 35 years old and having SIPs in below mutual funds ICICI prudential Long Term equity fund (Tax Saving) Direct Plan Growth - SIP - Rs 3500 Axis Long term Equity Direct plan Growth (tax Saving)- SIP - Rs 3500 SBI Small Cap - SIP - Rs 3000 Mirae Asset Tax Saver Fund Direct growth - SIP - Rs 3500 Parag Parekh Flexi Cap Fund Direct Growth - SIP - Rs 7000 Axis Mid Cap Direct Plan Growth - SIP - Rs 5000 Nippon India multicap fund -SIP- Rs 10000 My total SIP is around Rs 36000 across all. I would like to invest Rs 15000 more on SIP. I know my small cap allocation is low because some one has scared me of small cap because of volatility. Can you suggest where can I invest extra Rs 15000 per month SIP. I have recently top up my mutual fund SIPs. I am looking for long time investment.
Ans: It's commendable that you're regularly investing through SIPs and looking to further diversify your portfolio. Here's a suggestion for investing an additional Rs 15,000 per month:

Since you're concerned about volatility in small-cap funds, consider allocating a portion of the additional Rs 15,000 to large-cap or multi-cap funds for stability and downside protection.
Look for funds with a proven track record of consistent performance and experienced fund managers. Consider factors like expense ratio, fund size, and portfolio composition when evaluating options.
Given your long-term investment horizon, you can afford to take some risk for potentially higher returns. Hence, consider allocating a portion of the additional SIP amount to mid-cap or small-cap funds for growth opportunities.
Remember to maintain a balanced portfolio across different market segments and asset classes to manage risk effectively.
Regularly review your SIP investments and make adjustments as needed based on changes in your financial situation or market conditions.
Consult with a Certified Financial Planner to receive personalized advice tailored to your specific needs and goals.
By diversifying your SIP investments across different market segments and staying disciplined with your investment strategy, you can maximize the potential for long-term wealth creation while managing risk effectively.

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2024

Asked by Anonymous - Apr 20, 2024Hindi
Listen
Money
Sir I am 35 year old earning like 90 k per month invested 1 lakh in mutual fund Aditya Birla Sun Life psu equity fund and quant small cap fund direct . N 5 k sio for icic prudential infrastructure direct growth. .I wanna invest like 2o or 30 k but not sip once a time suggest some pls thanks in advance
Ans: I can help guide your lump sum investment choices based on your existing portfolio:

Current Portfolio:

Aditya Birla Sun Life PSU Equity Fund: This seems like a large or mid-cap public sector undertaking (PSU) focused fund.
Quant Small Cap Fund Direct: This suggests you have some exposure to smaller companies with higher growth potential but also higher risk.
ICICI Prudential Infrastructure Fund Direct Growth: This likely provides exposure to the infrastructure sector.
Considering Lump Sum Investment:

Align with Investment Goals: Do you have a specific goal in mind for this lump sum (short-term, long-term)?
Diversification: You already have some sectoral exposure. A lump sum investment could add further diversification or strengthen existing themes.
Options for Lump Sum:

Balance Equity Exposure: If comfortable with your current equity allocation, a balanced mutual fund could add debt for stability.
Focus on Specific Sector: If you believe a particular sector (technology, healthcare) has potential, consider a sectoral fund.
Large-Cap Fund: A large-cap fund could offer stability and diversification within equities.
Remember:

Research Before Investing: Regardless of the option you choose, research the fund thoroughly before investing.
Consider Risk Tolerance: Don't chase high returns without considering your risk tolerance.
Talk to a Financial Advisor:

A financial advisor can assess your risk profile and overall portfolio to suggest the most suitable lump sum investment option for your goals.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |9419 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Bsc computer science Delhi University or VIT bhopal CSE cloud computing.....which is better
Ans: Poonam, Delhi University’s three-year B.Sc. (Hons Computer Science follows a Choice Based Credit System with 14 core papers—including Programming in C++, Java, Data Structures, Operating Systems, Computer Networks, Design and Analysis of Algorithms, Database Management Systems, Theory of Computation, Artificial Intelligence and Computer Graphics—supplemented by discipline-specific electives, generic electives and skill-enhancement courses totaling 140 credits under CBCS. The program enjoys AICTE approval, UGC recognition, NAAC ‘A+’ accreditation, a Central Placement Cell that achieved an 88.42% placement ratio in 2022-23 with 252 offers from 78 companies (highest-to-median packages undisclosed) and median UG packages of ?5.5 LPA (three-year) and ?8.5 LPA (four-year) as per NIRF 2024. DU benefits from a highly experienced, research-active faculty, extensive university clubs and industry tie-ups for internships, but admits only via DU-CET with limited seat flexibility and minimal specializations beyond core CS.

In contrast, VIT Bhopal’s four-year B.Tech CSE (Cloud Computing and Automation) is a 160-credit program featuring 55 credits of core CS (Data Structures, Algorithms, Operating Systems, Networks), 12 credits of cloud architecture and services, 15 elective credits (AI, ML, IoT, Cybersecurity, DevOps, Containerization, Blockchain), plus university and soft-skill courses under a Fully Flexible Credit System. Accredited by UGC, NAAC A++ (2021), NBA and ABET-aligned FFCS, it boasts 100% doctoral faculty, a 1:70–1:100 faculty-student ratio, dedicated cloud-computing labs, PARAM HPC access and a centralized VIT Career Development Centre recording over 90% placement for CSE branches with average packages near ?11 LPA and marquee recruiters across IT and core sectors. VIT offers semester-wise elective choice, lateral exit options and interdisciplinary projects, but commands higher fees (~?7.92 L) and admits via VIT-EEE or JEE Main rank.

While DU’s B.Sc. CS delivers rigorous theoretical grounding, diverse electives and cost-effective public-university benefits with strong placement support for core CS roles, VIT Bhopal’s CSE (Cloud Computing) provides specialized industry-aligned cloud curriculum, superior lab infrastructure, flexible credit system, higher placement percentages, and stronger corporate partnerships—albeit at greater cost and commitment.

Recommendation: For a student prioritizing a cost-effective, broad theoretical foundation with reputable public-university prestige and adequate placement infrastructure, B.Sc. (Hons.) CS at Delhi University is compelling. Conversely, for those seeking specialized cloud computing expertise, cutting-edge labs, flexible curriculum choices, higher placement rates and global industry tie-ups—even at higher fees—the B.Tech CSE (Cloud Computing and Automation) at VIT Bhopal is more aligned with emerging technology careers. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |9419 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Dear Sir, My son has secured admission to Information Science Engineering (ISE) at Nitte Meenakshi Institute of Technology, Bangalore. He wanted to study at colleges like RVCE or PES, but based on his KCET/JEE rank, it is difficult to get admission to these colleges. Hence, I am exploring the option of a CSE management seat in these colleges. How are the future prospects of ISE at NMIT? Is it worth spending for a management seat? Your advice will greatly help us make a well-informed decision. Let me know if you need any further edits or have additional content to check!
Ans: Amit Sir, After carefully researching the fee structures for MQ seats at RVCE and PES—which can reach ?50–75 lakh including tuition, hostel, and related costs—it’s important to assess the return on such a significant investment. Spending more than ?25 lakh for an undergraduate engineering seat is rarely justifiable, regardless of affordability. A better approach is to pursue quality education at a Tier-2 college and supplement it with technical and soft-skills certifications; this combination can be highly effective for career growth. Success in any engineering branch depends on staying updated with evolving job market requirements. Regarding ISE at NMIT & the Scope of This Branch: The Information Science & Engineering (ISE) program at Nitte Meenakshi Institute of Technology blends robust academic foundations, accreditation, cuttingedge infrastructure, research engagement, and strong placement outcomes to prepare graduates for rapidly evolving technology roles. Established in 2001, the department holds NBA Tier-1 accreditation (Washington Accord) valid through 2026–27 and VTU affiliation, underscoring its adherence to global quality standards and rigorous outcome-based curriculum design. The syllabus spans core computing principles (data structures, algorithms), advanced domains (machine learning, cybersecurity, IoT, cloud computing), and hands-on capstone projects in state-of-the-art labs equipped with HPC clusters, specialized AI/DS workstations, embedded systems platforms, and dedicated research facilities for doctoral and postgraduate work. Faculty members actively engage in sponsored research projects from DST, SERB, AICTE and industry partners, fostering a culture of innovation and equipping students with problem-solving and analytical skills essential for complex system design. Industry tie-ups and MoUs with leading IT firms and technology providers enable structured internships, hackathons, and industrial training, bridging the academia–industry gap and ensuring graduates are workforce-ready. The dedicated placement cell records an 88.37% placement rate for ISE graduates in 2024, with recruiters including Infosys, Wipro, IBM, Dell and emerging startups, reflecting sustained demand for ISE skills across software development, data analytics, cybersecurity and network engineering wings. Broad IT industry projections anticipate over 30% growth by 2028 in areas such as AI/ML, big data, cloud services, and cybersecurity, driven by Digital India initiatives and global digital transformation. ISE graduates can pursue roles as software engineers, data scientists, cybersecurity analysts, cloud architects and IoT specialists, and also explore research, product management and entrepreneurial ventures in HealthTech, FinTech and Industry 4.0 domains. Backup pathways include specialized M.Tech and online certifications in data science/AI and emerging fields. With its accredited curriculum, modern labs, research orientation, industry collaborations and strong placement record, NMIT’s ISE program offers comprehensive preparation for future technology careers and leadership roles in a dynamic job market.

Recommendation
With its Washington Accord–equivalent accreditation, immersive labs, active research projects, industry-integrated training and 88% placement consistency, NMIT’s ISE stands out as an excellent platform. Aspiring engineers should seize this program’s blend of academic rigor and practical exposure to secure rewarding roles in AI, data science, cybersecurity and cloud domains. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |9419 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Rvs College of engineering Jamshedpur how do u rate?
Ans: Sidharth, RVS College of Engineering & Technology, established in 2004, is affiliated to Kolhan University and Jharkhand of Technology and holds AICTE approval alongside NAAC A+ accreditation, placing it within the NIRF 2024 engineering band of 101–150 in India. Spread over a 30-acre campus, the institute boasts well-equipped departmental laboratories for CSE, ECE, EEE, ME and Civil, a 7,500 sq ft air-conditioned library with 16,000 volumes and DELNET access, centralized computing facilities, separate boys’ and girls’ hostels and modern sports and healthcare amenities. The faculty comprises PhD-qualified professors and industry veterans who deliver an outcome-based curriculum co-designed with corporate partners, supplemented by guest lectures and workshops from TCS, Wipro, Amazon and Tata Technologies. The Training & Placement Cell achieved a 60–70% placement rate in 2024 with an average package of ?5.5 LPA and top recruiters such as Cognizant, Tech Mahindra, Ultratech Cement and Maventic; recent student feedback highlights an 87% drive participation and 51 hiring companies in 2025, with structured soft-skills and interview preparation programs to bridge skill gaps. Student reviews rate the overall experience at 3.5/5, praising the robust industry linkages and modern infrastructure while noting opportunities to enhance alumni mentorship and semester-long career guidance.

Recommendation
RVS College’s strong AICTE/NAAC credentials, industry-aligned curriculum, specialized labs and consistent 60–87% placement rates make it a solid choice for core engineering streams. Prospective students should engage proactively in its corporate workshops and alumni network to maximize internships and research-project opportunities. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x