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Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 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
S D Question by S D on Jun 07, 2024Hindi
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Money

Sir, I have been investing in MFs through SIP and Lumpsum for last 6 yrs. But now a days, I am realising discipline is also a must here. In this regard, I need your kind financial guidance through investment advice in mutual funds. How can I contact with you for details @ Ramalingam Kalirajan? Thanks.

Ans: I appreciate your trust and willingness to connect. It’s wonderful to see your awareness of the importance of discipline in investment. Mutual funds, with the right strategy and consistent discipline, can significantly contribute to your financial goals. Let's delve into the importance of discipline in mutual fund investments and how you can optimise your strategy.

The Importance of Discipline in Mutual Fund Investments
Investing in mutual funds requires more than just regular contributions; it demands a disciplined approach to achieve your financial goals. Here are some key aspects of maintaining discipline in your investments:

Regular Monitoring and Review
Regularly reviewing your portfolio ensures that your investments are aligned with your financial goals. This helps in making necessary adjustments based on market conditions and changes in your financial situation.

Consistent Contributions
Maintaining consistency in your SIPs is crucial. Skipping SIPs can disrupt the compounding effect, which is vital for long-term wealth creation. Treat your SIPs like a mandatory financial commitment.

Staying Invested for the Long Term
Mutual fund investments are most beneficial when held for the long term. Market fluctuations are inevitable, but staying invested helps in averaging out the market volatility and maximizing returns.

Strategic Investment in Mutual Funds
To optimise your mutual fund investments, consider the following strategies:

Diversification
Diversifying your investments across different types of mutual funds (equity, debt, hybrid) and sectors helps in spreading risk and improving potential returns. Avoid concentrating your investments in one sector or asset class.

Asset Allocation
Asset allocation is the process of dividing your investment portfolio among different asset categories. It plays a crucial role in balancing risk and reward. Adjust your asset allocation based on your risk tolerance, financial goals, and time horizon.

Rebalancing Your Portfolio
Periodic rebalancing ensures that your portfolio maintains its desired asset allocation. This involves selling assets that have performed well and reinvesting in underperforming assets, thereby maintaining the balance.

Benefits of Investing Through a Certified Financial Planner
A Certified Financial Planner (CFP) can provide tailored advice based on your financial situation, goals, and risk tolerance. Here’s how a CFP can help:

Personalised Financial Planning
A CFP can develop a comprehensive financial plan that includes investment strategies, retirement planning, tax planning, and more. This ensures all aspects of your financial life are considered.

Expert Investment Advice
With extensive knowledge and expertise, a CFP can recommend the best mutual funds based on your risk profile and financial goals. They can also provide insights into market trends and economic factors affecting your investments.

Ongoing Support and Guidance
A CFP offers ongoing support, regularly reviewing and adjusting your financial plan to keep you on track towards your goals. This includes monitoring your portfolio’s performance and making necessary adjustments.

Detailed Financial Guidance
I am glad you want to embark on this financial journey with professional guidance. For detailed investment advice and personalised financial planning, you can reach out to me through my website. This platform has restrictions on sharing personal contact details directly, but you can visit my website for further contact information and to schedule a consultation.

Final Thoughts
Your commitment to maintaining discipline in your mutual fund investments is commendable. By consistently monitoring your investments, staying disciplined, and seeking professional guidance, you are on the right path to achieving your financial goals. Let’s work together to ensure your financial success and secure your future.

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  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 08, 2024

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Money
Sir, I have been investing in MFs through SIP and Lumpsum for last 6 yrs. But now a days, I am realising a discipline is also a must here. In this regard, I need your kind financial guidance through investment advice in mutual funds. How can I contact with you for details. Thanks.
Ans: I appreciate your trust and willingness to connect. It’s wonderful to see your awareness of the importance of discipline in investment. Mutual funds, with the right strategy and consistent discipline, can significantly contribute to your financial goals. Let's delve into the importance of discipline in mutual fund investments and how you can optimise your strategy.

The Importance of Discipline in Mutual Fund Investments
Investing in mutual funds requires more than just regular contributions; it demands a disciplined approach to achieve your financial goals. Here are some key aspects of maintaining discipline in your investments:

Regular Monitoring and Review
Regularly reviewing your portfolio ensures that your investments are aligned with your financial goals. This helps in making necessary adjustments based on market conditions and changes in your financial situation.

Consistent Contributions
Maintaining consistency in your SIPs is crucial. Skipping SIPs can disrupt the compounding effect, which is vital for long-term wealth creation. Treat your SIPs like a mandatory financial commitment.

Staying Invested for the Long Term
Mutual fund investments are most beneficial when held for the long term. Market fluctuations are inevitable, but staying invested helps in averaging out the market volatility and maximizing returns.

Strategic Investment in Mutual Funds
To optimise your mutual fund investments, consider the following strategies:

Diversification
Diversifying your investments across different types of mutual funds (equity, debt, hybrid) and sectors helps in spreading risk and improving potential returns. Avoid concentrating your investments in one sector or asset class.

Asset Allocation
Asset allocation is the process of dividing your investment portfolio among different asset categories. It plays a crucial role in balancing risk and reward. Adjust your asset allocation based on your risk tolerance, financial goals, and time horizon.

Rebalancing Your Portfolio
Periodic rebalancing ensures that your portfolio maintains its desired asset allocation. This involves selling assets that have performed well and reinvesting in underperforming assets, thereby maintaining the balance.

Benefits of Investing Through a Certified Financial Planner
A Certified Financial Planner (CFP) can provide tailored advice based on your financial situation, goals, and risk tolerance. Here’s how a CFP can help:

Personalised Financial Planning
A CFP can develop a comprehensive financial plan that includes investment strategies, retirement planning, tax planning, and more. This ensures all aspects of your financial life are considered.

Expert Investment Advice
With extensive knowledge and expertise, a CFP can recommend the best mutual funds based on your risk profile and financial goals. They can also provide insights into market trends and economic factors affecting your investments.

Ongoing Support and Guidance
A CFP offers ongoing support, regularly reviewing and adjusting your financial plan to keep you on track towards your goals. This includes monitoring your portfolio’s performance and making necessary adjustments.

Detailed Financial Guidance
I am glad you want to embark on this financial journey with professional guidance. For detailed investment advice and personalised financial planning, you can reach out to me through my website. This platform has restrictions on sharing personal contact details directly, but you can visit my website for further contact information and to schedule a consultation.

Final Thoughts
Your commitment to maintaining discipline in your mutual fund investments is commendable. By consistently monitoring your investments, staying disciplined, and seeking professional guidance, you are on the right path to achieving your financial goals. Let’s work together to ensure your financial success and secure your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Dr Shyam

Dr Shyam Jamalabad  |78 Answers  |Ask -

Dentist - Answered on Nov 14, 2024

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Dr. Shyam, I had my teeth cleaned 6 months ago and after that was done I saw discoloration on certain teeth that wasn't there before. Years ago I had my teeth cleaned and one particular tooth after the cleaning was sensitive to touch. I had a crown put in from two different dental offices. The first one did the crown right, but was trying to charge me $3,500 more than the agreement they made with Medicare. Medicare corrected that. I other dentist did a crown and it didn't go all the way up to my gums and is sensitive to especially cold things. I'm not having very good experiences with dentist by and large. Can't find an honest one or one that can actually do the job right. I feel being on Medicare your a target to bring in money. Not sure what to do next. Supposed to go back and have them redo the crown that didn't go to my gums, but it also was ttd place to didn't clean my teeth right and discolored some of them. Any suggestions on how to trust there is actually an capable and honest dentist out there who can perform properly?
Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

1. Ask for referrals: Ask friends, family, or coworkers for recommendations. They can provide valuable insights into a dentist's work quality and bedside manner.

2. Check credentials: Ensure the dentist has the necessary qualifications, certifications, and licenses. You can verify this information with your state's dental board or professional organizations like the American Dental Association (ADA).

3. Check online reviews: Look up the dentist on review platforms. Pay attention to the overall rating and read the comments to understand the strengths and weaknesses. At the same time, do not rely on reviews alone as these can be manipulated, fake reviews can be easily generated.

4. Evaluate their communication style: A good dentist should listen to your concerns, explain procedures clearly, and answer questions patiently. Ensure you feel comfortable asking questions and discussing your treatment.

5. Assess their facility and equipment: A well-organized and modern dental office with up-to-date equipment is a good sign.

6. Check their approach to preventive care: A capable dentist emphasizes preventive care, including regular cleanings, exams, and education on oral hygiene.

7. Be wary of over-treatment: A honest dentist will not recommend unnecessary procedures. Be cautious if you feel pressured into extensive treatments.

8. Trust your instincts: If something feels off or you don't click with the dentist, it's okay to explore other options.

10. Schedule a consultation: Many dentists offer initial consultations or meet-and-greets. Use this opportunity to assess their approach, ask questions, and gauge your comfort level.

By following these steps, you can increase your chances of finding a capable and honest dentist who prioritizes your oral health and well-being.

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Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out
Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

Hope this helps.

...Read more

Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

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Hi, I got married to my ex gf in an arranged setup. I had a 7 year of relationship with her before breakup. My career switch try from private to govt job was the reason. When I failed I returned back to corporate. 3 years after the breakup her father who is a good friend of my father sent proposal which led to our marriage. No one knew that we dated. We never had a word between the acceptance and marriage. None of us initiated the conversation. When she came after marriage her behavior towards me in private is totally strange. We never had an emotional conversation. Neither we discuss romance nor intimacy. In private we hardly have any intellect discussions which was an eternal part before our breakup. But when she is in public she behaves like she cares for me a lot. She is a darling of everyone in the house whether my parents or siblings. Most of the time she remains with my mother and she has good bond. In front of her she cares for me a lot. She had this double faced attitude from the first day. Our intimacy is limited to my ask she could agree or disagree but she never initiated it. She was pretty passionate before our breakup which I never saw after our marriage. I tried everything but nothing has happened she never opened up. She disconnected with almost all our mutual friends after marriage. Whenever I tried through some of her friends she says to them I overthink a lot. Marriages and relationships differs. All useless and weird reasons. Everyone blames my teenage short temper issue. Which I have completely overcame when I started working. After marriage we had a boy. She says no for a next child for which I am fine. But the problem is now my child is growing and she has started understanding her hypocrisy. Now she blames me for teaching him wrong things. We hardly had fights as she walks out or I won't say word usually after she didn't answer for anything. I am unable to see the light in this relationship. She had 3 relationships in between but I never had one which I never discussed. Now I hardly ask for anything. Day by day we are becoming only room partners or fake couples in public. Everyone sees her as an ideal daughter in law or wife due to her public hypocrisy. Please guide.
Ans: Dear Salman,
I understand that marital issues take a huge toll on people. Whatever you are feeling, it is very normal. I strongly suggest you seek professional help- you can either opt for personal counseling sessions to manage the distress caused by your partner's indifference, or the best approach is to convince your wife to go for marriage counseling with you. It would be good to get to the root of the matter; why is she behaving a certain way, where is this coming from, are there unresolved issues from when you dated? These questions will finally get an answer and you can work on them together. If she does not agree to go, tell her to do it for your child. No child should have to see their parents unhappy with each other.

Hope this helps.

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Dr Nagarajan J S K

Dr Nagarajan J S K   |163 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Nov 14, 2024

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I want to give NEET exam but my 12th in Maharashtra Board marks are less than 150 in PCB (general), so I am not eligible. can I give retest of 12th to get better marks so that I can give NEET.
Ans: Hi, Being a retest candidate is considered a second attempt in +2. I think the medical council will not allow admission to medicine. Instead, you can consider B.Pharm / Pharm D.

To join, the following are the requirements:

For pharm D: Minimum qualification for admission to. – a) Pharm.D. Part-I Course – A pass in any of the following examinations - (1) 10+2 examination with Physics and Chemistry as compulsory subjects along with one of the following subjects: Mathematics or Biology. (2) A pass in D.Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act. (3) Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course.

FOR B.PHARM:
Minimum qualification for admission to – A. First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time.

...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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