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Abhishek

Abhishek Dev  | Answer  |Ask -

Financial Planner - Answered on Sep 13, 2023

Abhishek Dev is the co-founder and CEO of the financial planning company, Epsilon Money Mart.
A management graduate, he has over 21 years of experience in asset and wealth management.
He has been associated with reputed companies like HSBC GAM (India, south east Asia), PGIM, AMC, AMEX Bank, HDFC AMC and UTI in various roles, including leading business management, sales, marketing, product development and as a board member.... more
Srujan Question by Srujan on Sep 12, 2023Hindi
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Can I invest 80% of my total assets in Mutual Funds? I already own a flat with out any home loan. I am 38 Year old. No Loans. I have one Son (1 Year Old). For my Sons Higher Education I have invested 30L in SBI Small Cap fund(15L), Quant Small Cap Fund (10L) Mirae Asset Midcap Fund (5L).

Ans: Yes, you can. Just that you can diversify a little.
Obviously your timeframe is long, but having a diversified mix of unrelated assets makes sense.
Also can have a little exposure in Largecaps through Index/Hybrid/Flexicap funds.
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  |8086 Answers  |Ask -

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

Money
Hello sir I'm 30 yrs old I have 50lakh lumsum amount after selling house ..I want to invest in mutuals funds with moderate rish for 5-7 yrs .. I might take around 25% in next 3yrs to purchase new house and keep remaining as long as possible .. Can you suggest is it right time to invest of so jo much percentage I should allocate in larger mid small cap etc Thank you
Ans: You've mentioned having Rs 50 lakhs to invest after selling a house. You aim to invest with moderate risk for 5-7 years, potentially withdrawing 25% in the next 3 years for a house purchase. It's essential to approach this investment with a clear strategy to meet your needs.

Investment Horizon and Risk Assessment
Investing for 5-7 years allows you to take moderate risks. Given your time frame, a balanced approach in mutual funds can be beneficial.

Allocation Strategy
To align with your moderate risk appetite, here's a suggested allocation strategy:

Large-Cap Funds
Large-cap funds invest in established companies with a proven track record. These funds offer stability and moderate returns. Allocating 40% of your investment here provides a strong foundation.

Mid-Cap Funds
Mid-cap funds invest in companies with growth potential. They carry higher risks than large-cap funds but can offer higher returns. Allocating 30% to mid-cap funds can balance stability and growth.

Small-Cap Funds
Small-cap funds invest in smaller companies with high growth potential but come with higher risks. Allocating 20% to small-cap funds can boost potential returns, balancing with other lower-risk investments.

Debt Funds
Debt funds invest in fixed-income securities. They offer lower risk and steady returns, ideal for short-term needs. Allocating 10% to debt funds ensures liquidity for your potential house purchase in 3 years.

Timing Your Investments
Investing a lump sum amount can be daunting. Market volatility can affect your returns. Consider a Systematic Investment Plan (SIP) or a Systematic Transfer Plan (STP). SIPs allow you to invest regularly, reducing market risk. STPs let you transfer a lump sum from debt funds to equity funds gradually.

Withdrawal Strategy
Given your plan to withdraw 25% in 3 years, align your debt fund investments with this timeline. Debt funds provide liquidity with lower risk, ensuring your funds are accessible when needed.

Monitoring and Rebalancing
Regularly monitor your investments. Market conditions and personal goals can change. Rebalance your portfolio annually to maintain your desired asset allocation.

Advantages of Actively Managed Funds
While index funds may seem attractive due to lower costs, actively managed funds offer several benefits:

Professional Management: Actively managed funds are managed by experts who can adjust the portfolio based on market conditions.

Potential for Higher Returns: Fund managers aim to outperform the market, providing potential for higher returns.

Flexibility: Active funds can adapt to changing market scenarios, reducing risks.

Disadvantages of Direct Funds
Direct funds might save on commission costs, but there are drawbacks:

Lack of Professional Guidance: Direct funds require you to make investment decisions without expert advice.

Time-Consuming: Managing your investments requires time and effort, which may not be feasible for everyone.

Potential Mistakes: Without professional guidance, the risk of making poor investment choices increases.

Benefits of Investing Through a Certified Financial Planner
Investing through a Certified Financial Planner (CFP) offers several benefits:

Personalized Advice: CFPs provide tailored advice based on your financial goals and risk appetite.

Comprehensive Planning: CFPs consider your overall financial situation, including tax implications and future needs.

Ongoing Support: CFPs offer continuous support, helping you navigate market changes and adjust your investments accordingly.


It's commendable that you are planning your investments wisely. Your decision to seek advice demonstrates a proactive approach to financial management. Understanding your goals and aligning your investments accordingly is crucial for achieving financial security.


Investing a significant amount like Rs 50 lakhs is a substantial step towards building your financial future. It's important to appreciate your diligence in planning and seeking the best strategies to meet your needs.

Final Insights
Investing with a moderate risk approach for 5-7 years requires a balanced strategy. Diversifying across large-cap, mid-cap, small-cap, and debt funds can align with your goals. Regularly monitor and rebalance your portfolio to stay on track.

Investing through a Certified Financial Planner provides personalized advice, comprehensive planning, and ongoing support. Actively managed funds, despite higher costs, offer potential for higher returns and flexibility. Avoid direct funds unless you are confident in managing investments independently.

Your proactive approach and thoughtful planning set a solid foundation for achieving your financial goals. With the right strategy and guidance, you can navigate market conditions and make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4310 Answers  |Ask -

Career Counsellor - Answered on Mar 10, 2025

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Career
I scored 99.815 percentile in general class jee mains 2025, is there any possibility of getting NIT TRICY or suratkal CSE?
Ans: Anandam, 99.815 is an excellent score. Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

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 Option also 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, and preparation strategies, 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  |4310 Answers  |Ask -

Career Counsellor - Answered on Mar 10, 2025

Asked by Anonymous - Mar 07, 2025Hindi
Listen
Career
My score is 88 percentile JEE Svnit possible
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

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

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 Option also 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, and preparation strategies, 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

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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