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Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 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
Srinivasan Question by Srinivasan on Apr 15, 2024Hindi
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Sir iam 51 age which sip is good to invest and how much money should i invest for next 10 years

Ans: At 51, investing in SIPs can still be a prudent strategy for wealth accumulation. Here's some guidance for you:

Choosing SIPs:

Diversification: Opt for a mix of equity, debt, and balanced funds to spread risk across different asset classes.
Risk Tolerance: Assess your risk tolerance based on your financial goals, investment horizon, and comfort level with market fluctuations.
Investment Horizon: With a 10-year horizon, you can consider a higher allocation to equity funds for potential growth, balanced by debt funds for stability.
SIP Amount:

Affordability: Determine an SIP amount that you can comfortably afford without straining your finances or compromising other obligations.
Goal-based Investing: Calculate the target corpus you wish to accumulate in 10 years and work backward to determine the monthly SIP amount required.
Emergency Fund: Ensure you have an adequate emergency fund in place before committing to SIPs to cover unforeseen expenses.
SIP Duration:

Consistency: Commit to investing regularly over the entire 10-year period to benefit from the power of compounding and rupee cost averaging.
Review Periodically: Review your SIP investments periodically to assess fund performance, rebalance if necessary, and align with changing financial goals.
Long-term Focus: Maintain a long-term perspective and avoid making emotional decisions based on short-term market fluctuations.
In conclusion, select SIPs that align with your risk profile and financial goals, and invest a monthly amount that is affordable and realistic for your financial situation. Stay disciplined, remain invested for the long term, and periodically review your investments to ensure they remain on track to meet your objectives. Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and circumstances.
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  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 22, 2024Hindi
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Money
I am 50 years old .i want to invest in SIP.In which fund should I invest to take good return like 50 lakh and how much invest
Ans: As a Certified Financial Planner, I commend your decision to invest in SIPs at 50 years old. Investing systematically can help you achieve your financial goals over time. Here's a strategy to aim for a corpus of 50 lakhs:
1. Assess Investment Horizon and Risk Tolerance: Considering your age, investment horizon, and risk tolerance, opt for a balanced approach. Allocate a portion of your investments to equity funds for growth potential and the remainder to debt funds for stability.
2. Diversify Portfolio: Choose a mix of equity and debt mutual funds to diversify your portfolio and manage risk effectively. Select funds with a proven track record of consistent performance and aligned with your investment goals.
3. Calculate SIP Amount: To reach a corpus of 50 lakhs, calculate the SIP amount required based on your expected rate of return and investment horizon. Use an online SIP calculator or consult with a financial advisor for personalized guidance.
4. Consider Asset Allocation: Balance your asset allocation based on your risk appetite. While equity funds offer growth potential, debt funds provide stability. Adjust your allocation based on market conditions and your financial goals.
5. Regular Reviews and Adjustments: Periodically review your SIP investments to ensure they remain aligned with your objectives. Make adjustments as needed based on changes in market conditions, your financial situation, and investment goals.
6. Stay Disciplined: Consistency is key to achieving your investment goals. Commit to investing regularly, regardless of market fluctuations, and avoid making impulsive decisions based on short-term movements.
7. Consult with a Certified Financial Planner: Consider seeking professional advice from a CFP who can provide personalized recommendations based on your financial situation and goals. A CFP can help you create a comprehensive financial plan and navigate the complexities of investing.
By following these steps and staying disciplined, you can work towards building a corpus of 50 lakhs through SIPs while managing risk effectively.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 03, 2025

Asked by Anonymous - Jun 23, 2025Hindi
Money
I am 64 year want to invest in SIP rs 10000 monthly pls advise
Ans: Understanding Your Needs

Your age: 64 years

Planning SIP of Rs. 10,000 monthly

Likely used for post-retirement income growth or legacy

That is great foresight. You’ve chosen disciplined investing.
Now we need a smart plan that suits your stage in life.
Let’s explore this comprehensively and professionally.

Clarify Your Financial Goals

What is the purpose of this SIP?

Do you want income, growth, or legacy?

Is your investment horizon 5, 10, or more years?

Will this money support daily expenses?

Or is it a backup or bequest for heirs?

Clearly stating objectives guides asset choice.
Each purpose demands a different strategy.

Assess Risk Tolerance and Time Horizon

At 64, time horizon may be less than 10 years

But regular reviewing lets you adjust

If your goal is legacy, equity exposure can continue

If goal is cautious income, lean more to debt and hybrids

Your emotional comfort matters.
Evaluate your ability to ride market ups and downs.

Emergency Fund and Liquidity Needs

Do you have 6 months of expenses saved?

Use a liquid or ultra-short debt fund for this

This protects SIP from being used in emergencies

It also ensures peace of mind

Without liquidity, you may be forced to exit SIPs prematurely.

Insurance and Protection Needs

At 64, health issues can arise

Do you have personal health insurance?

Add critical illness and personal accident cover

Term life insurance may no longer be needed

Avoid mixing investments and insurance

Focus on protection-only products if needed.

Asset Allocation Strategy

Allocate SIP funds wisely according to goals:

1. Equity Exposure (25–40%)

Use actively managed diversified equity funds

Large or flexi cap funds give stable growth

Mid or small cap only if you can handle risk

Sectoral funds should be avoided or limited (

..Read more

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Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi
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Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Dr Dipankar

Dr Dipankar Dutta  |1840 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
Career
Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

...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.

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