I have been investing for two years in ICICI Opportunities Fund and ICICI Transportation and Logistics Fund.Will it be fruitful to continue with this two for next eight years? If not please advise.

Ans: IIIT Bhagalpur (ECE & Mechatronics) – Decent academics, improving placements, but not at the level of top IIITs
IIIT Manipur (ECE) – Infrastructure is growing, but placements are weaker than top IIITs
IIIT Una (ECE) – Better option in terms of faculty and placement compared to Bhagalpur and Manipur
IIIT Bhopal (ECE) – Better than Bhagalpur & Manipur for future growth
IIIT Kalyani (ECE) – Good academic structure, better location

Jadavpur University (if WBJEE option is available)
BIT Mesra

Ans: AS per Sukanya samriddhi scheme rules only resident indians can invest in you case as and when you become NRI you are not eligible for future investments.
another thing your existing balance in SSY account will generate interest till maturity as same was opened and invested in the status when you were resident indian however post NRI status your interest income from SSY account will be taxable as per rules.

Ans: Hello Dear.
There are some differences between the CBSE and ICSE boards. The syllabus of ICSE is a little tougher than that of CBSE. But as your son is not in 9th standard, I would like to recommend to continue him in Cambridge till his 10th completes. If you shift him to the CBSE board for 10th class, then he might face some problems related to teaching method, examination pattern, etc. But if you have some problems related to your job or are thinking of shifting from your existing place to a new place, then shift your son to CBSE 10th class or if your son is unable to keep up with the syllabus of ICSE, then also shift him to the CBSE board. Now, talking about the future, there will be no effect either a student passes from CBSE or ICSE. Becuase after 10th, students from any board appear to the same type of State-Level and National Level entrance examinations like NEET, JEE, NATA, BITSAT etc. Thanks
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Radheshyam

Ans: Hello Dear
Yes, you are eligible for JEE Advanced. Make sure to check the official cutoff when it's released and register within the given dates. Good luck! Thanks
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Radheshyam

Ans: Hello Deepa.
One should clear the JEE (Adv) with the required cut-off for admission to IIT. You typically need a rank under 50 in the ST category for IIT Bombay CSE. Since cutoffs change yearly, it's best to aim for the highest possible score. Thanks
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Radheshyam

Ans: Dear Sir/ Madam,

In that case- Build your network
Leverage your existing skills
Start with small projects
Do online courses in the areas you want to build your entrepreneurship
Find a mentor

Thanks
Ashwini
www.ashwinidasgupta.com

Ans: Hello Shylaja
for home state quota: upto 24000 CRL
for other state quota: around 14700 CRL

Ans: Hello Rajib,
It is good to know that you are so fit overall.
At times yes excessive running can harm the soft tissues of the knees.
These are the precautions you may take:
1) Please ensure you are taking your Vit D3, Calcium and multivitamin supplements as prescribed
2) A good 10 minutes warm up before running and 10 minutes of cool down via stretches is a must
3) A gentle sesame oil massage around the knee and muscles connected to it is good to do once a week
4) Please ensure you do some form of core exercises. You may learn these from a trainer or physiotherapist. As when core is strong the impact on the knees is lesser.
5) Please keep yourself well hydrated especially during runs
If even the slightest pain comes up take adequate rest!
All the best to become fitter than ever before.
Warm regards,
Dr Nidhi Bajaj Gupta
www.merahkiwellness.com
Insta: merahki_holisticwellness

Ans: Your investment of Rs. 3,000 per month in Axis Nifty 500 Momentum 50 Fund for the next 5 years needs careful evaluation. Since you are 32 years old, your investment horizon can be long-term.

Let’s assess whether this fund is the right choice.

Understanding Your Investment
Fund Type: Index-based momentum fund

Investment Style: Follows momentum strategy within Nifty 500

Your SIP Amount: Rs. 3,000 per month

Investment Tenure: 5 years (as per your plan)

Your Age: 32 (long-term horizon possible)

Momentum funds invest in stocks that have recently shown strong performance. These funds can outperform in bullish phases but may underperform in volatile or bearish markets.

Is This Fund Suitable for Long-Term Investment?
1. Momentum Strategy is Cyclical
This fund invests in stocks that have performed well recently.

If market trends change, it may struggle to maintain returns.

Not ideal as a core long-term portfolio holding.

2. High Volatility and Risk
Momentum funds have higher risk than diversified equity funds.

In falling markets, momentum stocks drop sharply.

3. Index-Based Strategy Limits Flexibility
This fund is passively managed and cannot adjust based on market trends.

Actively managed funds can perform better in different cycles.

4. 5-Year Horizon is Short for Equity
Equity investments work best for 7+ years.

If you need money in 5 years, debt funds or balanced funds are better.

Better Approach for Your Investment
1. Diversify into Actively Managed Funds
Instead of relying on a single index-based momentum fund, diversify.

Large & multi-cap funds can provide stability with growth.

Mid-cap & flexi-cap funds can generate higher returns with controlled risk.

2. Extend Investment Horizon
Instead of stopping after 5 years, consider SIP for 10+ years.

Equity needs long duration to generate wealth.

3. Review and Rebalance Annually
If fund performance is inconsistent, shift to a better option.

Avoid locking yourself into one strategy for too long.

Final Insights
Axis Nifty 500 Momentum 50 Fund is not ideal as a standalone long-term investment.

Momentum strategy works in bull markets but struggles in volatility.

Instead of investing in only one fund, diversify into actively managed funds.

If your horizon is just 5 years, equity funds carry risk. Debt or hybrid funds can be better.

Review your goals and adjust your investment accordingly.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment