Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Ramalingam Kalirajan |8171 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 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 - Dec 27, 2023Hindi

Listen

Money

Sir i want to invest in mfs with a time horizon of 25to30years, kindly suggest me my age 27years i invested just few days ago i have keeping 15000rs saving to keep mfs is correction sir and how much should investment i am farmer sir monthly i can save 15000rs please suggest sir 1) kotak emerging equity fund direct growth 2) Nippon india small cap fund direct growth 3) parag parikh flexi cap fund direct growth 4) ICICI prudential nifty pharma index fund direct idcw 5) Kotak nifty financial services ex bank index 6) quant multi asset fund direct growth

Ans: Considering your long-term investment horizon of 25-30 years and your risk appetite, your selection of mutual funds seems suitable. However, it's essential to ensure proper diversification across different asset classes and market segments to mitigate risk. Since you are a farmer and have a monthly savings capacity of Rs. 15,000, you can distribute your investments across these funds based on your risk tolerance and financial goals. Additionally, consider consulting with a financial advisor to fine-tune your investment strategy and ensure alignment with your objectives. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards your goals.

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.

MoneyReply

You may like to see similar questions and answers below

Hardik Parikh |106 Answers |Ask -Follow

Tax, Mutual Fund Expert - Answered on Apr 07, 2023

Question by Manoj - Mar 29, 2023Hindi

Listen

Money

Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj

Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

Samraat Jadhav |2246 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 22, 2023

Question by Raghu - Jun 20, 2023Hindi

Listen

Money

Raghu Asked on - Jun 06, 2023 Hi currently at investing in below MFs, im 36 years old. Can you review the below funds. Goal is to accumulate 10cr corpus in 15years Axis Small Cap - 5000/- CR Small Cap - 5000/- Tata Small Cap - 5000/- Axis Long term equity fund - 5000/- Quant Tax Plan - 5000/- Parag Parikh Tax Fund - 15000/- PGIM Midcap Opportunity - 12500/- Parag Parikh Flexi Cap - 12500/- PGIM Flexi Cap Fund - 11000/- Tata Resource & Energy Fund - 5000/- Mirae Asset Global X Artificial ETF - 5000/-

Ans: Funds are good and the best part is your goal is for 15yrs which is a good sign of investing.
with 18% of overall returns with these funds your corpus at the end would be Rs. 7,42,41,062/-
with 20% of overall returns with these funds your corpus at the end would be Rs. 8,92,08,227/-
with 22% of overall returns with these funds your corpus at the end would be Rs. 10,72,60,404/-
so watch accordingly on the returns and track funds.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ramalingam Kalirajan |8171 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Question by Rajeev - Oct 13, 2023Hindi

Listen

Money

Hello, I am 41 years old and have just started to invest in MF. Aim is to have good retirement life and funds for daughter’s education in the next 9-10 years. I am not good to invest 8-12k a month and currently started investing in below funds: Nippon small/Large cap, Kotak, Canara, Axis, ICICI & SBI Bluechip

Ans: It's commendable that you've taken the initiative to invest for both your retirement and your daughter's education. Diversifying across various mutual funds is a strategic move akin to planting different seeds in a garden. Each seed has its unique growth trajectory and potential.

However, while variety is good, it's also essential to ensure that these funds align with your financial goals and risk tolerance. Sometimes, having too many funds can complicate tracking and managing your investments. Consider reviewing your portfolio periodically to ensure it remains in line with your objectives.

As you journey towards your retirement and your daughter's educational goals, remember that patience and consistency are your allies. The world of mutual funds can be unpredictable, much like the seasons. There will be periods of growth and times of stagnation. Stay invested, stay informed, and consider seeking advice from a financial advisor to nurture your financial garden effectively.

Latest Questions

Dr Dipankar Dutta |1071 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 02, 2025

Question by Dr - Mar 28, 2025Hindi

Listen

Career

My daughter scored 94.62 percentile in session 1, 2025 IIT JEE mains belongs to general category..what are the institutes she may get admission

Ans: Congratulations to your daughter for scoring a 94.62 percentile in the JEE Mains 2025 Session 1. NITs (National Institutes of Technology):
While a 94.62 percentile is a good score, the chances of getting into a top NIT with highly competitive branches like CSE or ECE may be challenging. However, she may have a good chance for branches such as:

Electrical Engineering

Civil Engineering

Mechanical Engineering

Metallurgical Engineering

Biotechnology

Environmental Engineering

She can get NITs at North Eastern States

Apart from that some IIITs have lower cutoff percentiles, so she might have a good chance

Many state engineering colleges may have a relatively lower cutoff for JEE Mains.

See Previous years' cut off

Radheshyam Zanwar |1511 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 01, 2025

Asked by Anonymous - Apr 01, 2025Hindi

Listen

Career

I have secured 94.37 percentile in jee mains 2025 exam and iam an EWS general category boy . With this percentile can I get any nits with a decent branch

Ans: Hello dear.
It seems difficult to get a seat in NITs and that too in a decent branch. You may have to compromise with the core branches. But strong chances are there in IIITs. Thanks
Follow me if you like the reply.
Radheshyam

Mayank Chandel |2155 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Question by vinayak74 - Mar 30, 2025Hindi

Listen

Namaste Sir, My son appeared for CBSE X Boards this year. He is very good in studies. Should he join regular college or integrated classes after the results? Kindly advice. Thank you & Best Regards

Ans: Hello Vinayak Ji
Integrated classes are a good option since he has to go to college primarily for practicals & he will get ample time for preparation and self-studies.

Mayank Chandel |2155 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Question by Sanjay - Mar 31, 2025Hindi

Listen

Career

My Son is in now in 12th Std and is preparing to answer NEET-UG in 2027. He is studying in Integrated Coaching Academy from 11th Std onwards. Although he is getting through the coaching classes and Self Studies, would like to know your expert advise to Follow the Study pattern to score good marks.

Ans: Hello Sanjay Ji
Below is my advice, please check if you find it helpful
Create a Structured Study Plan
Daily Routine: Ensure he follows a well-planned timetable covering all three subjects—Biology, Physics, and Chemistry—every day.

Balance Coaching & Self-Study: Coaching provides guidance, but self-study is where actual learning happens. He should revise daily what was taught in class.

Fixed Study Hours: At least 6-8 hours of effective self-study beyond coaching hours.

Subject-Wise Strategy

Biology (50% weightage, high-scoring)
NCERT is key—revise line by line.
Make short notes for revision.
Diagrams & flowcharts for quick recall.
Solve MCQs from previous years and coaching materials.

Chemistry
Physical: Focus on formulas and problem-solving techniques.
Inorganic: Memorization is essential—use mnemonics and charts.
Organic: Understand reaction mechanisms, practice conversions, and focus on named reactions.

Physics
Strengthen concepts—don’t just memorize formulas.
Derivations help in understanding applications.
Solve numerical problems daily, especially from HC Verma, DC Pandey, or coaching materials.
Work on previous years’ NEET Physics questions.

Practice & Revision
Regular Tests: Take topic-wise, chapter-wise, and full-length mock tests.
Time Management: Solve NEET papers within 3 hours to simulate exam conditions.
Error Analysis: After every test, analyze mistakes and avoid repeating them.
Revision Strategy: Use the Feynman technique—explain concepts to yourself or someone else.

Mental & Physical Well-being
Avoid Burnout: Take short breaks
Healthy Lifestyle: Proper sleep (6-8 hours), exercise, and a balanced diet.
Stay Motivated: Have a vision board of goals, track progress, and maintain a positive mindset.

Hope you find this helpful.

Mayank Chandel |2155 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Asked by Anonymous - Mar 31, 2025Hindi

Listen

Career

Sir,which is best CSE aur CSE with any other specializations

Ans: Hi,
It depends on your son's interests and career goals. Here’s a breakdown of both options:

1. Core CSE (Computer Science and Engineering)
Covers fundamental CS concepts like algorithms, data structures, databases, operating systems, networking, and software engineering.

Provides flexibility to explore multiple domains like AI, cybersecurity, data science, or software development.

Good for students who want to keep their career options open in CS-related fields.

Generally preferred by top companies as it provides a strong foundation.

2. CSE with Specialization (AI, Data Science, Cybersecurity, IoT, etc.)
Focuses on a specific field within CSE.

May be beneficial if your son is already interested in a particular domain.

Some specializations (like AI & ML, Data Science) are in high demand.

However, it might limit flexibility if he wants to explore other areas later.

Which is Better?
If he is unsure about his exact interest, Core CSE is the safest choice as it allows exploration of different areas.

If he has a strong inclination toward AI/ML, cybersecurity, or data science, then a specialized CSE course can be beneficial.

Core CSE students can still learn specialized fields through electives, projects, or online courses.

If he is targeting top IITs, NITs, or IIITs, CSE (core) is usually the most preferred choice because of its flexibility and strong placement opportunities.

Mayank Chandel |2155 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Asked by Anonymous - Mar 30, 2025Hindi

Listen

Career

97.8284223%tile JEE Main 1 can I get CSE in NIT (EWS Category)?

Ans: Hi
Achieving a 97.8284223 percentile in JEE Main 2025 places you in a competitive position within the EWS category.
While the exact rank corresponding to your percentile can vary annually due to factors like exam difficulty and candidate performance, a 97.8284223 percentile typically translates to an approximate rank between 23K and 29k.

Given this estimated rank, securing admission to CSE in top NITs like Trichy, Surathkal, Warangal, and Calicut may be challenging, as their closing ranks for the EWS category are generally below 3,000. However, NITs such as NIT Delhi, VNIT Nagpur, and NIT Jaipur have had higher closing ranks, suggesting a more favorable chance for admission.?

Please note that these observations are based on previous years' data, and actual cutoffs can vary each year. It's advisable to participate in the counseling process of JOSAA & CSAB and consider multiple NITs to maximize your admission prospects.

Mayank Chandel |2155 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Asked by Anonymous - Apr 01, 2025Hindi

Listen

Career

i got 65 percentile in jee mains am i eligible for adv i am from st category can i start my prep for adv, last year for 64 percentile it was 11k st category rank how much approx rank could be this year, should i be in 2.5 lakh rank or am i eligible to write adv

Ans: As an ST category candidate, your eligibility for JEE Advanced depends on the qualifying cutoff percentile for your category. Based on previous years' trends, the cutoff percentile for ST candidates has ranged between 37 to 48 percentile.

Regarding your approximate category rank, a 65 percentile score typically corresponds to a general rank between 169,542 and 92,303. However, the exact ST category rank can vary each year based on the number of test-takers and their performance. Considering that in the previous year, a 64 percentile resulted in an ST category rank around 11,000, your rank this year should be in a similar range.

to be eligible for JEE Advanced, candidates must be among the top 2,50,000 qualifiers in JEE Main. Given your percentile and the expected qualifying cutoff for the ST category, it is reasonable to assume that you fall within this range.?

Additionally, you must have passed your Class XII examination with at least 65% aggregate marks or be within the top 20 percentile of your board's successful candidates.

Yogendra Arora |31 Answers |Ask -Follow

Tax Expert - Answered on Apr 01, 2025

Asked by Anonymous - Mar 31, 2025Hindi

Listen

Money

I worked for social service organization from 92 t 98 and taken PF amt after resigning. Is there a provision for claiming interest amt alone for 3 yrd after 98 Any other amt can i claim. Im now self employed. Im not aware of latest amendements .pls give clue and suggest

Ans: hi as you have withdrawn your pf after resignation, then your PF account is already closed and you will not get any interest. another point of interest if your invested post 98 - As per rules all accounts active or inactive will get interest untill the age of investor is upto 58 years, post that interest will not due on accounts become inoperative after 3 years of last investment received in the account.
in your case you have withdrawn the pf balance means account is closed.

Mayank Chandel |2155 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Asked by Anonymous - Apr 01, 2025Hindi

Listen

BIT Mesra CSE or NIT Raipur CSE what to choose?

Ans: Hi
Between BIT Mesra CSE and NIT Raipur CSE, here’s a comparison based on key factors:

1. Academics & Reputation:
BIT Mesra has a strong reputation for CSE, with a well-structured curriculum and good faculty.

NIT Raipur is an NIT, which holds a national-level prestige, but its CSE department is not as highly ranked as top-tier NITs.

2. Placements:
BIT Mesra CSE has excellent placements, with higher average and median packages compared to NIT Raipur. Top companies like Google, Amazon, Microsoft, and Goldman Sachs visit the campus. The average package is around 18–20 LPA, and the highest goes above 50 LPA.

NIT Raipur CSE has decent placements, but the average package (8–10 LPA) is lower compared to BIT Mesra.

3. Campus & Infrastructure:
BIT Mesra has a better campus, labs, and infrastructure compared to NIT Raipur.

NIT Raipur is improving, but its facilities are still developing.

4. Alumni Network & Brand Value:
BIT Mesra has a strong alumni network with good industry connections, especially in tech.

NIT Raipur, being an NIT, offers the NIT tag, which helps for government job preferences but isn’t as strong in CSE placements compared to BIT Mesra.

5. Coding Culture & Competitions:
BIT Mesra has an excellent coding culture, with students excelling in ICPC and open-source projects.

NIT Raipur has an average coding culture, but motivated students can still do well.

Final Verdict:
Choose BIT Mesra CSE if your priority is better placements, infrastructure, and coding culture.
Choose NIT Raipur CSE if you strongly prefer the NIT tag and government job advantages.

Anu Krishna |1576 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 01, 2025

Question by solar - Mar 27, 2025Hindi

Listen

Relationship

I am in relationship with a girl for 6 year but now her parents almost fix her arrange marriage and they dont care about her choice they didnot even consider her opinion about the boy they met ..except her everyone in family like the boy because he is rich and handling his father business and here i am i dont have job i am preparing for government job i asked her family please give me some time i,ll get the job this year but they say we cant agree for the possibility of you getting job or not and her mother say we dont allow intercaste marriage i am sc and she is general and pandit .. i am 26year old what should i do .. i think ab uske parents jada jaldi krre hai shadi k loye because unhone merse baat krli to unko dhr hai ki m kuch esa vsa na krdu jisse unki society me respect vghra ko khtra hoga isliye or vo jada rishtedaro ki sunre hai... mne apni gf ko bola hai ki filhal jb tk job nhi lgti meri tb tk unhe boldo ki mere sath ab kuch nhi h that she blocks me or vo apni side se tb tk rishtey ko mna krti rhe pr uske ghr vale uska opinion about boy consider hi ni krre hai jo unke rishtedaro ne discuss krliya ladka thik h to unhone usko haan boldi ... mujhe kya krna chaiye...her parents do all emotional blackmail to her as today they even touched her feet and said hme pta h tere liye kya shi h hmne tko pala h kuch bhi esa nhi krdio jisse hmari ijat khrab hojaye m pagal hojaunga Esi dhamkiya dere h ... or usko b kse jo rishte are h unko mna kre jisse ye na lge ghr valo ko ki mere karan naa kre jare h or rishtedaro ka b dominance kse km kre bhot sare doubts h kya krna chaiye kuch nhi smjh ara h

Ans: Dear solar,
In sab ke beech, aapke girlfriend ka kya kehna hai? Woh aapne bataaya nahin. Kya woh apne parents ko tall sakegi aur kitni der kar paayegi? Kya woh aapke jon lagne tak intezzar karna chahti hai? Aisa lag raha hai ki is rishte ka wazan aap leke ghoom rake ho...thoda apne girlfriend ke saath baithkar plan kijiye taaki woh bhi aapke saath is samasya ka hal dhoond sake.
Ek baat toh hai ki uske parents ko manaana mushkil hoga aur jab tak aapki job nahin lagti woh is rishte ke liye raazi nahin honge. Toh plan yeh karna ki jab tak aapki naukri lage, tab tak aap dono is baat ko aur is samasaya ko aur uske parents ko kaise sambhalenge. Joh bhi ho saath mein milke plan karna.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

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

Sign up

email

uname

mobile no

Country Code

Mobile number

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

Already have an account?

LOGIN

x