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Anil Rego | Answer |Ask -Follow

Financial Planner - Answered on Jan 26, 2023

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more

Question by Syed on Jan 26, 2023Hindi

Money

Is investment in mutual funds good at this point of time when the economic scenario is not looking up?

Ans: The best part of mutual funds is that you can invest through a systematic investment plan (SIP) where you need not time the market, especially if you are looking at a long term perspective (3-5 years or more)

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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You may like to see similar questions and answers below

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Jan 07, 2023

Asked by Anonymous - Jan 06, 2023Hindi

Money

Will equity, mutual fund investment be good for 2023

Ans: I have no doubt they will be. High interest rates tend to roil the equity markets in general, but we have a large number of structural reforms which are bearing fruits now in addition to some new businesses forming up, like defence, which were never any significant part of Indian economy. Add to it the good health of the banks and NBFCs, and we have a good likelihood of Indian equities doing fairly well, compared to rest of the world. And so would the equity mutual funds.

Vivek Shah | Answer |Ask -Follow

Financial Planner - Answered on Feb 13, 2023

Asked by Anonymous - Feb 13, 2023Hindi

Money

Sir Is it right time to invest in Mutual funds as the stock prices are falling due to Adani Problem

Ans: First of all as an investor and also managing your family finances, you need to answer following questions before deciding on which instrument you want to invest

1) Goal or financial goal or purpose of doing investment.
This will matter a lot as a goal of child education and retirement needs to see with different perspective and also should have asset allocation and market cap exposure accordingly.

2) Time Horizon of your goals- this is very important as it will help you to select the asset class and it's allocation based on your time period of financial goals. This is where investor makes biggest mistake of misalignment of asset time cycle and goals time period. If you allign this properly, your journey will be quite smooth.

3) Optimum Return expectations on your capital invested-
If you are saving and investing for some better future to fulfill your goals offcourse you will ask something in return which should be respectable higher returns than inflation for long term period( more than 7 years). If you are investing in India than equity return assumptions and calculations should be based on 12% return expectations and debt it should be 6.5%. Remember that you should assume practical return assumptions ( not the highest or what your friend says) as you can put any number in the excel sheet for your mental satisfactionðŸ˜ƒ

4) Risk taken on your capital-
Risk is a very negative word being taken in india but actually it's the risk appetite and risk acceptance of an investor which makes his outcome/ returns favourable. Understand one thing that if you want high returns you have to assume high risk and there is no option for it or an investor has to be happy with sub optimal returns if he is not ready to take risk.

Risk according to me is the capacity of a person until where and when he will not have any palpation in his stomach and he can absorb the downside easily( both realised and majority of time unrealised).

You should remember one thing that after deciding on above parameters, TIME IN THE MARKET IS MORE IMPORTANT RATHER THAN TIMING THE MARKET. As an investor, wealth is created over a period of decade and have your allocation to equity accordingly and enjoy the journey of markets which is going to be up and down.

After looking at all these parameters you can think of taking allocations to equity mutual funds and decide how much allocation to equity mutual funds is comfortable to you. If you dont have any prior expertise in investing in mutual funds or equity markets, its better to hire an advisor to help you do that or start with allocation in Equity Diversified mutual funds which will help you to take exposure in stocks.

And after all that, i would say it's your behaviour and emotions management which will help you create wealth in the equity market.

I hope this helps. Happy investing

Ulhas Joshi |280 Answers |Ask -Follow

Mutual Fund Expert - Answered on Jul 18, 2023

Question by Ramji - Jul 16, 2023Hindi

Money

Is it feasible time to invest in mutual fund.

Ans: Hello Ramji and thanks for writing to me.

Please provide some details like your investment horizon, risk appetite and goals for me to make a recommendation.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 24, 2025

Question by Sanjay - Jan 23, 2025Hindi

Money

What's your opinion regarding buy or stay cool for mutual fund in this turmoil market ?

Ans: Hello;

Continue your sip's and do lumpsum at every big fall if you have a long-term horizon (10 yr+), into pure equity funds.

For shorter horizons (3-5 yrs) use balanced advantage and multi asset allocation funds.

Continuing your investments despite market volatility is the coolest thing to do except for those whose goals are nearby.

This is not first time markets are correcting. In fact Mr. Market is giving an opportunity to all those who missed the upwave earlier.

Happy Investing;
X: @mars_invest

Ramalingam Kalirajan |10881 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 24, 2025

Asked by Anonymous - Mar 04, 2025Hindi

is right time to invest in mutual funds short term

Ans: Your question on short-term mutual fund investment is important. Let’s assess if this is the right time and how to approach it.

Understanding Short-Term Investments in Mutual Funds
1. Market Conditions and Short-Term Investments
The Indian stock market is currently experiencing volatility.

Global economic uncertainties and interest rate policies are influencing market movements.

Short-term investments depend on market cycles and liquidity needs.

If invested for a short period, market timing plays a crucial role.

2. Risk vs. Reward in Short-Term Investing
Short-term mutual fund investments carry risks due to market fluctuations.

Equity funds may not be ideal for short-term goals due to volatility.

Debt funds can provide stability but may have lower returns than equities.

Risk assessment is necessary before investing for the short term.

3. Ideal Fund Categories for Short-Term Investment
Ultra-short duration funds: Suitable for 3–6 months with lower risk.

Short-duration funds: Ideal for 1–3 years with moderate risk.

Liquid funds: Best for parking surplus funds for a few months.

Corporate bond funds: Offer slightly higher returns but come with credit risk.

Key Factors to Consider Before Investing
1. Investment Horizon
Define the exact period you wish to stay invested.

If less than one year, avoid equity mutual funds.

If 1–3 years, prefer high-quality debt funds.

2. Liquidity Needs
Short-term investments should be easily accessible when needed.

Debt mutual funds offer better liquidity than FDs for short-term goals.

Exit loads and redemption timeframes should be checked before investing.

3. Taxation Impact on Returns
Debt mutual fund gains are taxed as per your income slab.

Short-term capital gains (STCG) on equity funds are taxed at 20%.

Consider post-tax returns while comparing investment options.

Evaluating Alternatives for Short-Term Investments
1. Fixed Deposits vs. Debt Mutual Funds
Bank FDs provide fixed returns but may have lower post-tax returns.

Debt mutual funds offer flexibility and tax-efficient returns.

FDs may be suitable if interest rates remain high.

2. Arbitrage Funds for Short-Term Investment
Arbitrage funds invest in equity but work like debt funds in terms of risk.

Tax-efficient for holding periods beyond one year.

Suitable for those seeking stability with slightly better returns than FDs.

Final Insights
Short-term mutual fund investments require careful selection based on the time horizon.

Debt funds are better suited for stability, while arbitrage funds offer tax efficiency.

Consider liquidity, taxation, and risk factors before investing.

Market fluctuations can impact short-term returns in equity funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Latest Questions

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 14, 2025

Asked by Anonymous - Dec 14, 2025Hindi

Career

Sir mene 2024 me inter pass kiya h or 2024 me jee mains or na hi jee advanced de paya but mene 2025 me jee mains or jee advanced diya h to kya 2026 me jee advanced de skta hu

Ans: Haan, aap 2026 me JEE Advanced de sakte ho

Nayagam P P |10854 Answers |Ask -Follow

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi

Career

Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.

Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 14, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Sir maine 2024 me 12 pass Kiya aur kya 75% se kam rah gaye to kya mai 2025 me nios ka exam dekar 75%+ jee mains de sakta hu jabki maine abhi koi attempt nahi diye jee mains ke aur advance me kitne attempt milenge sir

Ans: Your query has already been replied to you. Please copy and paste the following link in your browser to read it again - https://gurus.rediff.com/hi/question/qdtl/career/given-12th-xam-first-2024-unable-score-75-percentage-gave/5244427

Good luck.
Follow me if you receive this reply.
Radheshyam

Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 14, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Sir namaste maine 2024 me12th pass Kiya aur 75% se kam marks aaye to kya 2026 me nios ka exam dekar jee mains de sakta hu aur jee advance me kitne attempt milenge

Ans: Your query has already been replied to you. Please copy and paste the following link in your browser to read it again - https://gurus.rediff.com/hi/question/qdtl/career/given-12th-xam-first-2024-unable-score-75-percentage-gave/5244427

Good luck.
Follow me if you receive this reply.
Radheshyam

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 14, 2025

Question by Rahul - Dec 14, 2025Hindi

Career

Sir I have registered for jee main january attempt as a general category student but now I have a ews catagory certificate..So can I apply this certificate in the jee main 2026 april attempt?

Ans: Yes — you can apply your EWS certificate in the JEE Main 2026 April attempt,

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025

Career

Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure

Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Namaste sir , maine 2024 me 12 pass Kiya aur mai 75% nahi la paya to kya mai 2026 me nios exam dekar jee mains de sakta hu aur jee advance ke liye kitne attempt milenge

Ans: JEE Main ke liye 12th pass hona hi kaafi hai, 75% criteria sirf NIT / IIT / IIIT / GFTI admission ke liye hota hai.

NIOS ek valid board hai (CBSE ke barabar maana jata hai).

Agar aap 2026 me NIOS se 12th pass kar lete ho, to:

Aap 2026, 2027, 2028 me JEE Main de sakte ho.

Mayank Chandel |2575 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 13, 2025

Question by Sudhir - Nov 18, 2025Hindi

Career

Hello My son will be completing his tenth this year and wish to appear for NEET. We reside at Andheri-Mumbai. Can you please suggest good coaching institutes for the same near by based on overall performance , teacher quality and process of coaching

Ans: Hello Sudhir Ji
it will be very difficult for me to suggest on this.

Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 13, 2025Hindi

Career

Mai bihar board se 10 or 12 kiya hu or jee main bhi diya mera cutoff clear nhi hua or 3 attempt khatam ho gya hai kya mai ab nios board se fir se 12 complete karke jee main or advanced de sakta hu koe problem hogi kya

Ans: Yes, you can complete 12th again from NIOS and appear for JEE Main, but JEE Advanced has age, attempt, and year-of-passing restrictions, so eligibility for JEE (Adv) may still be an issue.

Honest opinion & suggestion - Even after 3 failed trials, why are you running behind JEE? It would be better to appear for the state-level engineering examination. Get admission to your preferred college and branch. Complete your undergraduate degree. While pursuing UG, appear for GATE. Crack it. With a high score, you can get admission to PG @ IIT. The dream of IIT can be easily fulfilled via this route. There is no sense in appearing for JEE again, especially after completing 12th @ NIOS board. It is just a waste of time, money, and effort.

The final decision will be yours! Only I can suggest.

Good luck.
Follow me if you receive this reply.
Radheshyam

Mayank Chandel |2575 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 13, 2025

Question by Saroja - Dec 12, 2025Hindi

Career

My son has passed 12th board exam in the year 2024. Is he eligible to appear JEE Main in Jan or Apr 2027 ?

Ans: Hello Saroja
Student can appear JEE-Mains for three years starting from his 12th appeared year. So the answer for your is NO.

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.

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