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Ramalingam Kalirajan |10924 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

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 - Jun 01, 2025

Money

Need help for investment and systematic withdrawal plan, can we engage your services pls.

Ans: Sure. You can reach me through the website link given in the signature below.

You need handholding for:

Creating your customised investment plan

Choosing the right mutual funds

Setting up Systematic Withdrawal Plans (SWP)

Reviewing and rebalancing your portfolio periodically

Ensuring tax efficiency and long-term growth

Look forward to helping you build a stress-free retirement income strategy.

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

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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I need help in financial planning kindly connect me 1 to 1

Ans: I appreciate your trust and willingness to connect. Let's embark on this financial journey together. You can reach me at the details provided in my profile https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137 or just do a google search to find my website. This platform has restrictions to share the personal contact. Hope you understand.

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Question by Kotte - May 12, 2024Hindi

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Good evening Ramalingam sir Sir I want to take the guidence of financial planing of my investments and iam going to retire in March 2025 and getting lumpsum amount of ?20 lakhs. Kindly share your contact number for future investment planning and others to discuss clearly. Thankyou Regards Venkatesh

Ans: Good evening, Venkatesh!

Thank you for reaching out and considering our services for your financial planning needs. Planning for retirement is a significant milestone, and it's wise to seek professional guidance to ensure a secure future.

I appreciate your interest in discussing your investment plans and retirement goals. To provide you with the best assistance, please visit our website and fill out the contact form. Our team will reach out to you promptly to schedule a consultation and discuss your financial objectives in detail.

Retirement planning requires careful consideration of various factors, including your current financial situation, retirement lifestyle aspirations, and risk tolerance. Our Certified Financial Planners are here to offer personalized advice tailored to your needs and help you make informed decisions to achieve your retirement goals.

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Question by Sankar - Jul 19, 2024Hindi

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Sir. I would like to get your personal help in financial planning. How can i connect with you

Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

Best Regards,
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www.holisticinvestment.in

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Hi, I need ypur professional guidance.to plan my investment portfolio

Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

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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: Hi
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Question by Khushi - Dec 23, 2025Hindi

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Sir, I passed my Class 12th in the 2023–24 session with very low marks because at that time I did not know about JEE. After that, for two years I worked in the finance field with my uncle. Later, due to my interest in engineering, I wanted to get admission to a good engineering college. That is when I came to know about IIT JEE 2026. When I checked the JEE eligibility criteria, I saw the 75% requirement, but because my health was not good during my board exams, my marks were very low. So, I am reappearing for Class 12th in the 2025–26 session. My question is: will I be eligible to appear for JEE Advanced?

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Purshotam Lal |70 Answers |Ask -Follow

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Asked by Anonymous - Dec 02, 2025Hindi

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I am a retired person 65 years. Sold a property . After paying LTCG tax , I will have 1.25 Cr to invest. Q1 - Should I pay LTCG tax and invest balance or avail 54c limit of 50 lakhs and invest balance. Q2- Pls suggest investment so that I get 1lakh per month.

Ans: For your question no. 1 please consult a tax consultant or a Chartered Accountant. Regarding earning Rs 1 L per month, you may need to contact a Certified Financial Planner and/or Certified Investment Adviser as at present it is not feasible to earn Rs 1 L per month on your proposed investment from the Fixed Income Instruments like Bank FDs. Therefore you need to plan and look for other investment options like Mutual Fund etc, however you should note that MF Investments are subject to market risks etc.
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www.finphoenixinvest.com

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Sir, My age is 45 now. I want to shift my career into IT. what can be done. Also want to retire in 53 age. Salary gross 95500 INR . May I choose mutual fund sip but in whose sip? Sbi, ICICI ?

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I have been allotted shares under QIB. But the allotment was more I could pay nearly 80 percent remaining 20 I am finding funds shortage and unable to pay now. Allotment through standard chartered securities india limited. They will refund the amount after deducting penalty? How to proceed,I am dealing with genuine firm?

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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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