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Ramalingam

Ramalingam Kalirajan  |8227 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 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 - Feb 20, 2024Hindi
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I want to invest for 20 years i can invest with 10000 per month..plz suggest me ..

Ans: Rs. 10,000 per month for 20 years? That's a smart plan!
Looking to invest Rs. 10,000 every month for 20 years? That's a fantastic decision! Here's why:

Long-term investing: A 20-year timeframe allows your money to grow through the power of compounding. This means your returns earn returns on themselves, snowballing your money over time.
But before we dive into specifics, let's consider this:

Financial goals: What are your goals for this investment? Retirement? Child's education? Knowing your goals helps choose the right investment path.
Risk tolerance: Are you comfortable with some ups and downs in the market, or do you prefer a more stable approach?
Here are some general investment options for a 20-year horizon:

Systematic Investment Plan (SIP) in actively managed mutual funds: Regular SIP contributions help build discipline and benefit from rupee-cost averaging. Actively managed funds, unlike index funds, have professional managers aiming to outperform the market.
Actively managed mutual funds offer:

Diversification: Spread your investment across different asset classes like equity (stocks), debt (bonds), and gold to manage risk.
Professional expertise: Fund managers actively research and invest in companies with the potential for growth.
Remember:

Investing is a journey, not a race. Stay invested for the long term to ride out market fluctuations.
Consulting a Certified Financial Planner (CFP) can be helpful. They can create a personalized plan considering your risk tolerance, goals, and overall financial situation.
Next steps:

Define your goals.
Assess your risk tolerance.
Consider consulting a CFP.
Start investing early! The power of compounding works best when you start young.
I hope this helps!

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  |8227 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Apr 21, 2024Hindi
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I want to invest monthly 10000 pls suggest
Ans: Tailored Monthly Investment Plan Recommendation

Personalized Investment Strategy Assessment

It’s commendable that you’re taking proactive steps to invest ?10,000 monthly, reflecting a commitment to building wealth over time. Let’s explore customized strategies to optimize returns and manage risk effectively within your budget.

Understanding Your Financial Goals and Risk Profile

Before diving into investment options, it's essential to understand your financial objectives, time horizon, and risk tolerance. By aligning investments with your goals, we can create a tailored plan for long-term wealth accumulation.

Balancing Risk and Return with Equity Funds

Given your investment horizon, allocating a portion of your monthly budget towards equity funds can offer growth potential over the long term. Equity funds provide exposure to stocks of companies across different market capitalizations.

Mitigating Risk through Diversification

Diversifying your portfolio across various mutual fund categories can help spread risk and enhance stability. Consider allocating funds to a mix of small-cap, mid-cap, and large-cap funds to capture growth opportunities while mitigating volatility.

Benefits of Regular Funds Investing through a Certified Financial Planner (CFP)

Investing through a Certified Financial Planner (CFP) offers several advantages, including personalized guidance, disciplined investing, and ongoing portfolio monitoring. A CFP can help navigate market fluctuations and optimize your investment strategy.

Disadvantages of Direct Funds

Direct funds require investors to conduct their own research and make investment decisions independently. However, this approach may not be suitable for all investors, especially those lacking expertise or time for thorough analysis.

Highlighting Benefits of Regular Funds Investing through MFD with CFP Credential

Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential provides access to professional guidance and comprehensive financial planning services. MFDs offer expertise in selecting suitable funds and monitoring portfolio performance.

Exploring Additional Investment Options

Consider exploring other investment avenues such as debt funds, gold ETFs, and systematic investment plans (SIPs) in mutual funds to further diversify your portfolio. Each option offers unique benefits and can complement your existing investment strategy.

Conclusion

By adhering to a disciplined investment approach and diversifying across asset classes, you can optimize returns and manage risk effectively over the long term. Regularly review your portfolio, reassess your financial goals, and seek guidance from a Certified Financial Planner (CFP) to ensure alignment with your objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8227 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 18, 2024

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Money
I am 28 years old, after loan and others I have a 20k in hand. I want to invest this amount and I can invest this for upto 15-20 years.
Ans: You are 28 years old and have Rs. 20,000 to invest after paying off your loans and other expenses.

Investment Horizon
Long-Term Goal: You can invest for 15-20 years. This is a good time frame to build substantial wealth.
Growth Potential: Long-term investments can benefit from compounding, leading to significant growth.
Creating a Balanced Investment Plan
A balanced investment plan will help you achieve your financial goals. Here are some key points to consider:

Diversified Investments
Equity Mutual Funds: These funds can provide higher returns over the long term. They invest in a mix of stocks from various sectors.
Debt Funds: These funds offer stability and lower risk. They invest in fixed-income securities like bonds.
Balanced Funds: These funds combine equity and debt, offering a balance of growth and stability.
Systematic Investment Plan (SIP)
Disciplined Investment: Start a SIP to invest a fixed amount regularly. This can be Rs. 5,000 or more per month.
Rupee Cost Averaging: SIPs help average the purchase cost of investments, reducing the impact of market volatility.
Emergency Fund
Safety Net: Maintain an emergency fund equal to 6-12 months of expenses. This ensures financial security in case of unforeseen events.
Liquid Assets: Keep this fund in liquid assets like savings accounts or short-term deposits for easy access.
Retirement Planning
Long-Term Savings: Invest in retirement plans like PPF or EPF. These plans offer tax benefits and long-term growth.
Regular Contributions: Make regular contributions to build a substantial retirement corpus.
Evaluating Investment Options
Equity Mutual Funds: Suitable for long-term growth. They can outperform inflation and provide substantial returns.
Debt Funds: Ideal for stability and lower risk. They offer steady returns and protect your capital.
Balanced Funds: These provide a mix of growth and stability, making them suitable for conservative investors.
Analytical Insights
Investing Rs. 20,000 for 15-20 years can significantly grow your wealth. Here's a detailed analysis:

Investment Horizon: With a long-term horizon, you can take advantage of compounding and market growth.
Diversification: A diversified portfolio reduces risk and optimizes returns. Investing in a mix of equity, debt, and balanced funds is ideal.
Regular Investments: SIPs ensure disciplined investing and benefit from rupee cost averaging. They reduce the impact of market fluctuations.
Key Considerations
Risk Tolerance: Assess your risk tolerance. Equity funds have higher risk but offer higher returns. Debt funds are safer but offer lower returns.
Financial Goals: Align your investments with your financial goals. This includes retirement planning, emergency funds, and long-term wealth creation.
Regular Review: Review your investment portfolio annually. Adjust your investments based on performance and changing goals.
Final Insights
Investing Rs. 20,000 for 15-20 years can help you build significant wealth. Start a SIP in diversified equity and debt mutual funds. Maintain an emergency fund for financial security. Regularly review and adjust your investments to stay aligned with your goals. This disciplined approach ensures steady growth and financial stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Asked by Anonymous - Apr 12, 2025Hindi
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Considering the current market conditions, I'm trying to decide whether it's wiser to invest in real estate or to continue investing in mutual funds. I already have some experience with mutual funds and have seen moderate returns, but I'm also attracted to the idea of owning a tangible asset like property, which could offer appreciation and rental income. I want to understand which option real estate or mutual funds is likely to offer better returns over the next 5 to 10 years, especially given the current economic environment, interest rates, inflation trends, and market volatility. How do factors like liquidity, maintenance, taxes, and risk compare between the two? Should I shift some of my investments into real estate for diversification, or is it more prudent to stay invested in mutual funds and possibly increase SIP contributions? I'm looking for a long-term strategy that helps with both capital growth and financial security.
Ans: Hello;

It is difficult to give an advice without knowing specifics of the case.

I would ideally recommend to include both in your portfolio but if it has to be a choice between the two, I would recommend real estate, as a general advice.

Liquidity, Maintenance, property tax are hassles and costs in real estate but asset price and monthly rentals are generally flat or headed northwards over time unless it is some odd case.

MFs holdings are highly liquid, No maintenance charges and efficient tax treatment. But it is subject to market vagaries.

Consult an investment advisor or a certified financial planner to seek more clarity and firm up your decision.

Best wishes;

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Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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Career
i got 86.02 percentile in jee mains, i am under SC category from WEST BENGAL. can i get NIT DURGAPUR CSE BRANCH or any other branch
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Apr 13, 2025

Asked by Anonymous - Apr 12, 2025Hindi
Listen
Career
What are the chances to get admission for my son in NIT Trichy or Surathkal or Warangal if he gets around 149 marks in the Apr session of JEE mains 2025. We are from general category & would like to pursue for either Data Science or Electronics of Chemical Engineering. If not these institutes what are the chances for other govt institutes.
Ans: Here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Son's Admission Chances Using JoSAA Data
Step 1: Collect His Key Details
Before starting, note down the following details:

His JEE Main percentile
His category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
His Preferred institute types (NIT, IIIT, GFTI)
His Preferred locations (or if he is open to any location in India)
List of at least his 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If he is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select His Preferred Academic Program (Branch)
Enter the branches he is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | 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.

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