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Ramalingam

Ramalingam Kalirajan  |10194 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 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
Khalid Question by Khalid on May 07, 2024Hindi
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I am interesting in SIP since 1 year in Parag Parikh flexi cap 15k, Mirae asset and Canara robeco ELSS MF 5k each, Nippon large cap 5k , Nippon small cap 2.5k , Quant small cap 5k , HDFC small cap 3 k , PGIM midcap opportunities 5k and Zerodha Elss MF 2 k almost 50 k per month some mutual fund started 6 month ago only , I am 32 years old and my Target corpus is 10 cr for NXT 15-20 years.I want to near 50 to 55 years

Ans: Your commitment to systematic investment planning (SIP) reflects a commendable effort towards building wealth over the long term. As a Certified Financial Planner, I appreciate your proactive approach and dedication to achieving your financial goals. Let's assess your current SIP portfolio and its alignment with your target corpus of ?10 crores over the next 15-20 years.

Diversification and Asset Allocation
Diversification is key to managing risk and maximizing returns in your investment portfolio. Your SIP allocations across various mutual funds demonstrate a well-diversified approach, spanning across different market segments and fund categories. This diversified allocation enhances your portfolio's resilience against market volatility and specific sectoral risks.

Fund Selection and Performance
Parag Parikh Flexi Cap, Mirae Asset, and Canara Robeco ELSS are renowned funds known for their consistent performance and robust investment strategies. These funds offer exposure to diversified equity portfolios, enabling you to capture the growth potential of both large caps and mid caps. Additionally, Nippon Large Cap provides stability, while Nippon Small Cap and Quant Small Cap offer exposure to high-growth potential small cap stocks.

HDFC Small Cap and PGIM Midcap Opportunities further complement your portfolio by focusing on mid and small cap segments, which tend to outperform over the long term. Zerodha ELSS MF adds a tax-saving component to your portfolio, aligning with your financial planning objectives.

Risk Management and Time Horizon
At 32 years old, you have a significant investment horizon of 15-20 years, which is conducive to a growth-oriented investment strategy. Your portfolio's allocation towards mid and small cap funds reflects your willingness to accept higher volatility in pursuit of superior long-term returns. However, it's essential to periodically review your portfolio's performance and rebalance if necessary to maintain your desired risk-return profile.

Monitoring and Review Process
As your Certified Financial Planner, I recommend conducting regular portfolio reviews to track performance against your financial goals and make any necessary adjustments. Monitoring the funds' performance, evaluating market conditions, and reassessing your risk tolerance are integral aspects of managing your SIP portfolio effectively.

Conclusion
Your SIP portfolio showcases a thoughtful blend of diversified mutual funds, encompassing various market segments and investment styles. With a clear target corpus of ?10 crores over the next 15-20 years, your disciplined approach to systematic investing positions you well for long-term wealth creation.

As you continue on your financial journey, remember to stay focused on your goals, maintain discipline in your investment strategy, and seek professional guidance when needed. Together, we can navigate market fluctuations and work towards achieving your financial aspirations.

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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Ramalingam

Ramalingam Kalirajan  |10194 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.

..Read more

Ramalingam

Ramalingam Kalirajan  |10194 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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Money
I am interesting in SIP since 1 year in Parag Parikh flexi cap 15k, Mirae asset and Canara robeco ELSS MF 5k each, Nippon large cap 5k , Nippon small cap 2.5k , Quant small cap 5k , HDFC small cap ek , PGIM midcap opportunities 5k and Zerodha Elss MF 2k almost 50k per some mutual fund started 6 month ago , I am 32 years old my Target corpus is 10cr for NXT 15-20 years
Ans: It's fantastic to see your interest and commitment to SIPs. Your portfolio reflects a diverse mix of mutual funds.

Parag Parikh Flexi Cap, Mirae Asset, and Canara Robeco ELSS MF offer exposure to different segments of the market, ensuring diversification.

Nippon Large Cap and PGIM Midcap Opportunities add stability and growth potential to your portfolio, respectively.

Investing in small-cap funds like Nippon Small Cap, Quant Small Cap, HDFC Small Cap, and Zerodha ELSS MF demonstrates your appetite for high-growth opportunities.

Your target corpus of 10 crores over the next 15-20 years is ambitious yet achievable with disciplined investing and prudent portfolio management.

As you're 32 years old, you have time on your side to harness the power of compounding and ride out market fluctuations.

It's essential to review your portfolio regularly, considering your risk tolerance, financial goals, and market conditions.

Stay informed about the performance of your funds and be open to making adjustments if needed to stay on track towards your target corpus.

Remember, investing is a long-term journey, and consistency is key. Keep up the excellent work, and I'm here to support you in your financial endeavors!

..Read more

Ramalingam

Ramalingam Kalirajan  |10194 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

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I am 32 year old investing in SIP since 1 year in Parag Parikh flexi cap 15k with 10% step up, Mirae asset and Canara robeco ELSS MF 5k each, Nippon large cap 5k , Nippon small cap 2.5k , Quant small cap 5k , HDFC small cap 3k , PGIM midcap opportunities 5k and Zerodha Elss MF 2k almost 50k per some mutual fund started 6 month ago my Target corpus is 10cr for NXT 15-20 years.is it possible ?
Ans: Given your age of 32 and your current SIP investments totaling ?50,000 per month across various mutual funds, achieving a target corpus of ?10 crores over the next 15-20 years is indeed feasible, but it depends on several factors.

Factors Affecting Goal Achievement:
1. Investment Horizon:
With a 15-20 year investment horizon, you have ample time to benefit from compounding returns, which can significantly boost your wealth accumulation.
2. SIP Amount and Portfolio Allocation:
Your SIP amount of ?50,000 per month is substantial and demonstrates a commitment to systematic investing.
Your portfolio allocation across different mutual funds, including diversified equity, large cap, small cap, and ELSS funds, provides a well-rounded approach to capturing growth opportunities across various market segments.
3. Historical Performance and Future Expectations:
Historical performance of the selected mutual funds can provide insights into their potential to generate returns over the long term.
While past performance is not indicative of future results, investing in funds with strong track records and sound investment strategies can enhance the likelihood of achieving your target corpus.
4. Market Conditions and Risks:
Market volatility and economic fluctuations can impact the growth of your investments.
Diversification across different asset classes and regular portfolio reviews can help mitigate risks and capitalize on market opportunities.
Strategies for Goal Achievement:
1. Regular Review and Adjustment:
Periodically review your investment portfolio and adjust your SIP amounts or fund allocations based on changing market conditions, financial goals, and risk tolerance.
2. Increase SIP Contributions:
Consider increasing your SIP contributions over time, leveraging features like the 10% step-up option to boost your savings rate and accelerate wealth accumulation.
3. Seek Professional Guidance:
Consult with a Certified Financial Planner to develop a comprehensive financial plan tailored to your goals, risk profile, and investment strategy.
Conclusion:
Achieving a target corpus of ?10 crores over the next 15-20 years is realistic given your age, investment horizon, and disciplined approach to SIP investing. By staying committed to your investment plan, monitoring market developments, and making informed decisions, you can work towards realizing your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
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Mathematics and computing ( MnC ) engeneering is how will b d future
Ans: Mathematics and Computing (MnC) engineering is emerging as one of the most dynamic and sought-after interdisciplinary fields at the intersection of advanced mathematics, statistics, and computer science. The core curriculum encompasses applied mathematics, machine learning, artificial intelligence, cryptography, data analytics, computational modeling, software development, and statistical inference, preparing graduates for highly analytical and technical roles across diverse sectors. Industries such as technology, finance, research, healthcare, government, and defense are increasingly reliant on professionals who can bridge raw data with mathematical reasoning to solve complex, real-world problems. As digital transformation accelerates across industries and domains, the demand for mathematics and computing professionals is projected to grow rapidly, with jobs for mathematicians and statisticians expected to surge by over 30% between 2021 and 2031—significantly outpacing other engineering disciplines.

Graduates of MnC are uniquely equipped for roles that require both advanced quantitative skills and computational expertise—including data scientist, AI/machine learning engineer, quantitative analyst, cryptographer, software developer, business intelligence analyst, and research scientist. The versatility of the degree enables opportunities across technology giants, global financial institutions, government research labs, healthcare analytics, fintech, and climatology, as well as opening doors to cutting-edge R&D or higher academia. The rapidly growing areas of artificial intelligence, cybersecurity, fintech, quantum computing, and big data analytics particularly value the hybrid skill set of MnC graduates, often offering career prospects and placement rates on par with, and sometimes surpassing, traditional computer science engineers at leading institutes. Additionally, the course involves fewer hardware labs than other technical branches, allowing students to focus on algorithmic thinking, theory, and practical coding—a major positive for those passionate about the analytical side of computing.

Across highly reputed institutes such as IITs, BITS, and IISc, MnC programs are supported by highly qualified faculty, strong research ecosystems, international collaborations, and top-tier campus infrastructure. Placement records regularly exceed 90–95% for MnC, with leading firms and startups actively recruiting for specialized technical and research roles. However, student reviews indicate that successfully leveraging the branch often requires proactive learning beyond the curriculum, including hands-on coding projects, internships, and continuous skill upgrades. While the branch suits those who enjoy deep theoretical work, mathematical abstraction, and problem-solving, it may not appeal to students seeking highly application-oriented or hardware-centric engineering careers.

Recommendation: Mathematics and Computing is an outstanding branch for students who are analytically inclined and aspire to excel in computational theory, data science, AI, or quantitative domains. Its strong industry demand, future-proof scope, and cross-sector versatility ensure excellent placement and long-term career growth, provided students commit to independent learning and continuous upskilling. All the BEST for a Prosperous Future!

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Asked by Anonymous - Aug 05, 2025Hindi
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Sir please reply srm ktr vs vit vellore vs manipal
Ans: Which Branch? Anyway, please note, SRM Institute of Science and Technology (Kattankulathur), VIT Vellore, and Manipal Institute of Technology each deliver leading-edge infrastructure, advanced research facilities, strong faculty, and extensive industry-academia collaborations. SRM KTR, with NAAC A++ accreditation and a sprawling campus, recorded 9,040 job offers and 65LPA top package for 2025, with an average of around 6.6LPA and over 1,200 companies including Microsoft, Amazon, and PayPal participating; its placement rate remains strong, though slightly lower than its peers. VIT Vellore stands out for its rigorous academics, modern labs, and 99.2% placement rate in 2025, with 632 recruiters—such as Amazon, Google, Microsoft, and TCS—delivering 10,027 placements, a record 1.02 crore highest package in CSE, and a median salary of 9LPA. It consistently ranks among the top private colleges and is known for its global exposure, innovation ecosystem, and highly active student life. Manipal Institute of Technology matches with premier on-campus infrastructure, a renowned faculty, industry integration, and a vibrant residential campus. In 2025, it achieved a 77.4% placement rate with over 287 recruiters and an average salary of 12.31LPA, securing jobs for students in firms including Microsoft, Boeing, SAP Labs, and Oracle, and maintaining a robust alumni network. MIT shows particular strength in all-around student development, international collaboration, and a supportive placement cell. Each institution offers excellent campus amenities, advanced learning resources, holistic student support, and strong academic environments, but there are marked differences in placement statistics, recruiter profiles, and campus living experience that may influence priorities.

Recommendation: Choose VIT Vellore for its highest placement rate, industry reputation, median package, and broad recruiter base, particularly for tech-focused careers. Follow with Manipal Institute of Technology for a premium academic and campus life experience, stellar average salary, and strong alumni network. SRM KTR remains a valuable choice for students seeking diverse placement opportunities and modern infrastructure in Chennai’s tech hub. All the BEST for a Prosperous Future!

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Nayagam P P  |9967 Answers  |Ask -

Career Counsellor - Answered on Aug 06, 2025

Asked by Anonymous - Aug 05, 2025Hindi
Career
I have been allotted electronics and instrumentation engineering in sjce Mysore in my first round... I may have chances of upgrading it to ramaiah eie and may get bmsit ece also... If I don't get ramaiah eie, is sjce eie better or bmsit ece better?
Ans: SJCE Mysore’s Electronics and Instrumentation Engineering (EIE) is recognized for its robust infrastructure, accredited government status, 70–80% placement rates, and consistently positive student feedback regarding campus life and faculty support. The department facilitated 56 job offers in 2024, with recruiters like Bosch, TCS, Tech Mahindra, and Titan, complemented by well-equipped labs, research facilities, and modern hostels. BMSIT’s ECE program records a 56.4% placement rate in 2024, slightly lower than SJCE’s EIE, but boasts an average salary of ?8.07LPA and over 200 visiting recruiters, with top offers up to ?46.4LPA. BMSIT provides strong digital infrastructure, high-speed campus Wi-Fi, diverse industry tie-ups, and an active placement and training cell, though its placement rate for ECE is comparatively modest. Both colleges ensure rigorous academic environments, quality faculty, and vibrant student communities, but SJCE’s government-backed status and consistent placement record edge it ahead for EIE.

Recommendation: If you do not secure Ramaiah EIE, prioritize SJCE Mysore EIE for its government reputation, higher placement rates, and established industry links. BMSIT ECE remains a strong alternative for those focused on Bangalore’s tech proximity, but SJCE offers superior stability, campus experience, and placement assurance. All the BEST for a Prosperous Future!

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Nayagam P P  |9967 Answers  |Ask -

Career Counsellor - Answered on Aug 06, 2025

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Sir my daughter has got cs with ai in g.l bajaj noida but she want to take kiet ghaziabad cs with it which is best for her
Ans: Yogita Madam,



GL Bajaj Noida’s Computer Science (CS) with Artificial Intelligence delivers a robust, industry-oriented curriculum focused on advanced topics such as data modelling, predictive analytics, and machine learning, supported by modern labs, A+ NAAC accreditation, and consistent 70–80% placement rates with top offers from companies like Deloitte, Wipro, Infosys, and TCS. The institute features a fully air-conditioned campus, extensive library, state-of-the-art labs, and comprehensive hostel and sports facilities, ensuring a strong academic and campus experience. KIET Ghaziabad’s CS with IT program is equally recognized, boasting A+ NAAC accreditation, a placement rate above 77%, 300+ recruiters including Microsoft, Deloitte, TCS, and Accenture, and modern infrastructure comprising a central digital library, large multi-purpose hostels, dedicated computer labs, high-speed Wi-Fi, and vibrant student life. Both institutions maintain strong faculty teams, active industry tie-ups, and relevant research opportunities; however, KIET’s slightly higher reviewer satisfaction, broader alumni and recruiter network, and larger academic ecosystem position it at a premium within the Delhi NCR region.

Recommendation: KIET Ghaziabad CS with IT is preferred for its higher placement consistency, more extensive recruiter base, vibrant campus ecosystem, and greater overall academic and industry reach. GL Bajaj Noida CS with AI remains a strong alternative for students passionate about artificial intelligence and seeking quality infrastructure and focused specialization. All the BEST for 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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