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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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
Anand Question by Anand on Dec 13, 2023Hindi
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Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?

Ans: It's evident you've put thought into your investment choices, and that's a commendable step towards securing your financial future. However, let's reflect on whether your portfolio aligns well with your long-term goals.

Consider the diversification of your portfolio across various mutual fund categories and market segments. Are you adequately spread across different sectors and asset classes to mitigate risks?

Additionally, assess the performance of each fund over time and their consistency in delivering returns. Are there any funds that haven't been meeting expectations, or could benefit from a review?

As a Certified Financial Planner, I encourage you to periodically review your portfolio and make adjustments as needed to ensure it remains aligned with your objectives and market conditions. Consulting with a financial advisor can provide valuable insights and help optimize your investment strategy for long-term growth. Remember, investing is a journey, and staying vigilant and adaptable will serve you well on your path to building a healthy corpus.
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  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 12, 2023Hindi
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Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?
Ans: Your investment choices cover a range of market segments, which is good for diversification. However, it's essential to periodically review your portfolio to ensure alignment with your financial goals and risk tolerance. Here are some considerations:

Diversification: Ensure you're not overexposed to any particular sector or theme. Assess if your portfolio is adequately diversified across large-cap, mid-cap, and international funds.
Performance: Evaluate the historical performance of each fund relative to its benchmark and peers. Consistently underperforming funds may warrant reconsideration.
Fund Manager Track Record: Assess the experience and track record of the fund managers managing your investments. A skilled and experienced fund manager can significantly impact fund performance.
Costs: Consider the expense ratio of each fund and any associated fees. Lower costs can enhance your overall returns over the long term.
Market Conditions: Keep abreast of market trends and economic indicators that may affect your investments. Be prepared to make adjustments to your portfolio as needed.
Consulting with a Certified Financial Planner can provide personalized guidance based on your individual circumstances and financial goals. They can help you assess your investment choices and make any necessary adjustments to optimize your portfolio for long-term growth.

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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 05, 2024

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Hello, This is Capt. Samir. I have invested in mutual funds and doing an SIP of 70k per month. Would like to know if the mutual funds that I have invested in are good to hold and the corpus that can be generated in the next 10 years. I am looking forward for a 2 cr corpus by 2034 from MF. Kindly advise if SIP needs to be increased to generate the said corpus. Mutual Funds DSP-Global innovation FOF-Reg fund -G -3000 Sip WHITEOAK flexi cap reg fund- 3000 SIP CANARA REBECCO Mid cap fund - 3000 SIP HDFC Business fund- 200000 LUMPSUM HDFC top 30 fund - 3000 SIP Aditya Birla frontline equity fund - 2 folios - 3000 SIP in one only DSP small cap fund- 5000 HDFC small cap fund- 5000 Merai asset large cap fund-5000 ICICI prudential Blue chip fund-5000 Canara Rebecco manufacturing fund Growth - 5000 Kotak focused equity fund -5000 JM midcap fund Growth - 5000 SBI ENERGY OPPORTUNITIES FUND - 400,000 LUMPSUM Kotak Multicap fund: 5000 ICICI PRU energy and fund: 5000 HDFC Nifty 200 momentum30 index fund- 10000 HSBC EXPORT OPPORTUNITIES FUND - 3L lumpsum Thanks Samir
Ans: It’s great to see that you are already investing consistently and have a target in mind. Your aim of generating Rs 2 crore by 2034 from mutual fund investments is achievable with a systematic approach. Let's break down your current investment strategy and assess whether any adjustments are needed to meet your goal.

Review of Your Existing SIPs and Lump Sum Investments
You are currently investing Rs 70,000 per month through SIPs and have made some lump-sum investments as well. Let's evaluate the funds you have chosen based on their category, diversification, and potential for long-term growth.

Global Innovation Fund: This fund gives you exposure to international markets, which helps diversify your portfolio. Keep an eye on global market trends, but this fund can add value if the global tech and innovation sectors grow.

Flexi Cap and Mid Cap Funds: Flexi Cap and Mid Cap funds offer a balance of growth potential and risk. They tend to outperform in the long run, but they also come with volatility. These funds are good to hold for a long-term horizon.

Lump Sum Investments in Sector-Specific Funds (Energy and Manufacturing): Sector-specific funds can be high-risk but may offer high returns if the sector performs well. The energy sector has potential but may be volatile due to factors like government policies, oil prices, and global energy trends. Manufacturing is more stable but less likely to deliver aggressive returns. Keep these funds for diversification, but be cautious.

Small Cap Funds: You have exposure to two small cap funds. While small cap funds can offer high returns, they come with high volatility. Keep in mind that small cap funds should ideally not exceed 20% of your portfolio due to their risk profile.

Large Cap and Blue Chip Funds: Large Cap funds are a safer bet in the long term and provide stability. They might not offer the highest returns but will protect your capital. Continue your SIPs in these funds.

Focused Equity Funds: These funds invest in a limited number of stocks, which can give concentrated returns but also carry higher risk. As you are looking for a long-term goal, these funds can add value, but balance them with more diversified funds.

Index Funds: While index funds are low-cost, they track the index and may not offer outperformance. Actively managed funds can give you better returns over the long term. If you are invested in index funds, consider reviewing their performance and reallocating to actively managed funds with a Certified Financial Planner.

Is Your Portfolio Diversified Enough?
Your portfolio has a good mix of different fund categories—small cap, mid cap, flexi cap, and large cap. You also have exposure to international markets and sectoral funds. However, be cautious about over-investing in small caps and sectoral funds due to their high volatility. Consider reducing the allocation to sectoral funds if their performance dips.

Will You Achieve Rs 2 Crore by 2034?
You aim to accumulate Rs 2 crore by 2034. Based on your current SIP amount, it is important to assess if this is enough. Considering an average return of 12% per annum from your mutual funds, Rs 70,000 per month SIPs may get you close to your target. However, it is wise to periodically review your portfolio and step up your SIP amount by 10-15% every year to stay on track.

Recommendation:

Increase your SIP amount: If possible, increase your SIPs by 10% every year to boost your corpus and mitigate the impact of inflation.
Step-Up SIPs: Some mutual funds offer a "Step-Up SIP" option where you can increase your monthly SIP amount automatically by a fixed percentage every year. This will help you stay on track for your Rs 2 crore goal.
Lump Sum vs SIPs
Lump sum investments can boost your corpus, but they depend on market timing. Since you already have a few lump-sum investments, it’s good to continue with SIPs to average out market volatility. If you come into additional funds, like a bonus or windfall, consider allocating some towards lump sum investments in diversified funds.

Expense Ratios and Fund Performance
It’s important to regularly monitor the expense ratios of the funds you are invested in. High expense ratios can eat into your returns over the long term. Actively managed funds with high expense ratios should justify the cost with higher returns. If you find that the returns are not justifying the high costs, consult a Certified Financial Planner to switch to better-performing funds with reasonable expenses.

Managing Risk and Rebalancing
Your current portfolio leans towards high-risk, high-return funds like small caps and sectoral funds. As you approach your target year, start reducing exposure to high-risk funds and shift more towards stable funds like large caps and flexi caps. This will help preserve your capital and reduce volatility.

Every year or two, review your portfolio and rebalance it. For example, if small caps have outperformed, they may now constitute a larger portion of your portfolio than you originally planned. Rebalance by selling some small cap units and buying more large cap or flexi cap units.

Emergency Fund and Insurance
Apart from investing in mutual funds, ensure that you have an emergency fund that covers 6-12 months of your expenses. This will protect you from dipping into your investments in case of unforeseen financial needs.

You already have a term insurance plan, which is great. Ensure that the sum assured is adequate to cover your family's financial needs in case of an emergency.

Tax Planning
Remember to account for taxation when planning your investment strategy. Long-term capital gains (LTCG) on equity mutual funds are taxed at 10% for gains above Rs 1 lakh. Plan your withdrawals strategically to minimize tax liabilities.

You can also invest in ELSS (Equity Linked Savings Scheme) funds to save on taxes under Section 80C. ELSS funds have a 3-year lock-in period and provide both tax benefits and market-linked returns.

Final Insights
Your current portfolio is well-diversified but high on risk.
Keep track of expense ratios and switch funds if necessary.
Step up your SIPs annually by 10-15% to meet your Rs 2 crore target.
Rebalance your portfolio every year to manage risk.
Maintain an emergency fund and ensure adequate insurance coverage.
Consider tax-saving strategies like ELSS to optimize your investments.
With a disciplined approach and periodic reviews, your goal of Rs 2 crore by 2034 is achievable.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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IIIT banglore cse or iit tirupati cse which is better as my son is in confusion to choose
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My mistake I am not participate in josaa counselling 45652 rank in obc female candidates in JEE main csab which branch I take my Home State bihar
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BMSITM(CSE/AIML) VS BIT(CYBER SECURITY/ISE) VS DSCE(CSE and DESIGN) VS REVA/RNSIT, please suggest me the best option here sir
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Sir,l got admission in computer science branch in IIT Palakkad and CS btech in BITS Goa .I am from Kerala. which one is best for me
Ans: Anavadya, Indian Institute of Technology Palakkad, established in 2015 and NAAC A+-accredited with an NIRF 2024 rank of 64, offers a 4-year BTech CSE program through its Career Development Centre. Its CSE department recorded UG placement rates of 100% (2022–23), 88% (2023–24), and 89% (2024–25), with a median package of ?12 LPA and an average of ?15.88 LPA in 2024. Birla Institute of Technology and Science, Pilani – Goa Campus, a NAAC A-accredited private institute founded in 2004, reports first-degree placement rates of 95.75%, 95.93%, and 91.15% over the past three years, with an average package of ?20.36 LPA, median ?17 LPA in 2024, and CSE branch salaries ranging from ?18 LPA to ?30 LPA. IIT Palakkad provides personalized mentorship, growing industry collaborations, and a lower student-to-faculty ratio, while BITS Goa offers an extensive alumni network, larger recruiter pool, and higher average compensation, both supported by modern infrastructure and rigorous curricula.

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My son is getting Data science in PEC (Punjab engineering college),chandigarh and M.sc with Economics at BITS,Goa . Which option should he prefer?
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recommendation: Opt for BITS Goa’s integrated M.Sc (Economics) for superior average placements, rigorous quantitative and analytical training, and diverse industry engagements; consider PEC’s B.Tech CSE (Data Science) for an engineering pathway focused on computing and AI only if a technical degree is the primary priority, as it trails slightly in average placements and curriculum breadth. All the BEST for the Admission & a Prosperous Future!

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My son has got seat in DTU but aiming for BITS where he secured 290 marks in second session, with which he will not get CSE in BITS campus. So kindly suggest, which one is better CSE in Delhi Technological University or Electrical/ Electronics in BITS Pilani or Hyderabad campus?
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Recommendation: Opt for BITS Hyderabad EEE for its balanced core and software recruiter network and high average packages; choose BITS Pilani EEE if you prioritise peak placement percentages and legacy brand strength; select DTU CSE only if your son’s passion is firmly rooted in software and AI/data analytics. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

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Sir, I scored 69.2% in the boards. I am a SC category student, and I am getting CSE at IIT Roorkee. Will my 12th percentage affect my IIT placement in the future?
Ans: Rishabh, At IIT Roorkee, admission to the BTech program mandates a minimum of 65% in Class XII for SC/ST/PwD candidates or top-20 percentile in their board, so your 69.2% easily met the entry requirement. The Training and Placement Department does not enforce additional board-mark criteria at placement time; eligibility for campus drives hinges on JEE Advanced rank, current CGPA, technical skills assessments, internships, projects, and soft-skills workshops rather than Class XII scores. While some companies list 60–75% in 10th/12th as a documentary screening criterion, this threshold is uniformly applied and rarely affects shortlisted candidates, since IIT students almost always exceed it. Industry surveys and peer accounts confirm that most recruiters prioritize undergraduate performance, coding aptitude, and interview results over secondary-school marks. Over the last three years, IIT Roorkee CSE placements have consistently surpassed 90%, with a 2024 branch-specific average package of ?34 LPA, underscoring that board marks do not influence recruiters’ confidence. Consequently, your 69.2% in the boards will not impede placement opportunities at IIT Roorkee, provided you maintain strong academic and extracurricular performance throughout your BTech program.

Recommendation: Concentrate on achieving a high CGPA at IIT Roorkee by deeply engaging with course projects and elective labs, securing meaningful internships, and participating in hackathons or research initiatives. Leverage the Career Development Centre’s skill-development workshops, mock interviews, and networking events to hone technical, communication, and problem-solving abilities. Your sustained performance, portfolio of work, and proactive engagement with recruiters will drive placement success regardless of Class XII marks. All the BEST for the Admission & a Prosperous Future!

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