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Omkeshwar

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Head, Rank MF - Answered on May 14, 2021

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abhishek Question by abhishek on May 14, 2021Hindi
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Q2. Does the Portfolio require any rebalancing?

Ans: Please continue with 1, 2, 4, 5, 6 & 7

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  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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I am 31 years old. I am investing in these funds 5k Parag Parikh Flexi 4k Kotak Emerging fund - mid cap 4k Quant small cap 3k ICICI prud technology fund 3k Quant infra fund 8k Nifty 50 Index fund 5k in Nasdaq 100 etf Please suggest if I have to do any changes or rebalance or change in amount where I have to increase or decrease for any fund. Thanks in Advance
Ans: It's great to see your proactive approach towards investing at a relatively young age. When reviewing your investment portfolio, it's essential to consider your financial goals, risk tolerance, and investment horizon. While your current allocation seems diversified, it's always wise to periodically reassess and rebalance your portfolio to ensure alignment with your objectives.

Consider evaluating the performance and prospects of each fund in your portfolio. Are they meeting your expectations in terms of returns and risk management? Are there any funds that have consistently underperformed or carry higher volatility than desired?

Additionally, reassess your asset allocation strategy. Are you comfortable with the current mix of equity and index funds, or would you prefer to adjust the allocation based on market conditions and your risk appetite?

Lastly, remember that investment decisions should be driven by a well-thought-out plan rather than short-term market movements. Consider consulting with a Certified Financial Planner who can provide personalized guidance tailored to your unique financial circumstances and goals. With careful planning and periodic review, you can work towards achieving long-term financial success.

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Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 22, 2024

Asked by Anonymous - May 17, 2024Hindi
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HELLO SIR, I AM PRESENTLY DOING SIP PARAG PARIKH FLEXI CAP SIP 5000, AXIS SMALL CAP SIP 3000, KOTAK SMALL CAP SIP 3000( TWO SMALL FROM DIFFERENT AMC BECAUSE DIFFERENT FUND MANGER HAVE DIFFERENT APPROACH IN SAME MARKET) , KOTAK LARGE AND MIDCAP SIP 5000, I HAVE ET MONEY GENIUS SUBSCRIPTION AND I AM INGESTING IN ET MONEY GENIUS HIGH GROWTH 15000 SIP AND ET MONEY GENIUS GROWTH PORTFOLIO SIP 15000 WHICH REBALNCING IS BEING DONE MONTHLY, MY RECENT INVESTMENT PORTFOLIO COST IS 12L and VALUE IS 15L. IS ANY REBALANCING REQUIRED OR I SHOULD CONTINUE WITH THIS ?
Ans: Your proactive approach to investment through Systematic Investment Plans (SIPs) reflects a commendable commitment to wealth accumulation. Let's analyze your current portfolio and determine if any rebalancing is necessary to optimize returns and manage risk effectively.

Portfolio Assessment
Your investment portfolio comprises a mix of equity mutual funds across various categories, including flexi cap, small cap, large & mid cap, and thematic portfolios. This diversified allocation reflects a prudent strategy to harness growth opportunities across different market segments.

Fund Selection Rationale
Investing in multiple small cap funds from different AMCs demonstrates a thoughtful approach to diversification.
Each fund manager brings a unique perspective and investment strategy, mitigating manager-specific risk while capitalizing on sectoral opportunities.
Cost vs. Value Analysis
Your recent investment portfolio cost of 12 lakhs has appreciated to a value of 15 lakhs, indicating favorable growth in a relatively short period.
Assess whether this growth aligns with your investment objectives and risk tolerance.
Rebalancing Considerations
Given the recent appreciation in your portfolio value, it may be prudent to evaluate the asset allocation and rebalance if necessary.
Rebalancing involves adjusting the allocation of funds to maintain the desired risk-return profile.
Review the current asset allocation and assess if it deviates significantly from your target allocation.
Risk Management
While equity investments offer the potential for high returns, they also entail higher volatility and risk.
Ensure that your portfolio is well-diversified across different market segments to mitigate concentration risk.
Regularly assess your risk tolerance and adjust your portfolio allocation accordingly.
Market Outlook
Consider the prevailing market conditions and economic outlook when making investment decisions.
Stay informed about macroeconomic indicators, corporate earnings, and regulatory changes that may impact your portfolio.
Consult with a Certified Financial Planner to gain insights into market trends and potential investment opportunities.
Regular Monitoring
Continuous monitoring of your investment portfolio is essential to track performance and identify any rebalancing opportunities.
Review the performance of individual funds periodically and assess their alignment with your investment goals.
Consult with a Certified Financial Planner to conduct comprehensive portfolio reviews and make informed decisions.
Conclusion
While your investment portfolio has experienced favorable growth, it's essential to periodically assess the need for rebalancing to maintain the desired asset allocation and manage risk effectively. Consult with a Certified Financial Planner to review your portfolio and make informed decisions aligned with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 04, 2024

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Hello Sir, Kindly review my mutual fund portfolio, Canara robeco value fund -5k Edelweiss mid cap fund-5k Tata small cap fund-5k JM flexi cap fund-5k NPS -5k Is there required any modifications?
Ans: Below is an analysis of your current selection and some tailored suggestions to optimize your investments further.

 

Portfolio Analysis
Your portfolio includes a diversified mix of funds, covering multiple categories such as value, mid-cap, small-cap, and flexi-cap. This diversification across various market segments can benefit your portfolio over time. Here’s a closer look at each type:

Value Fund
Value funds invest in stocks that appear to be undervalued relative to their intrinsic value. They can provide long-term growth if the chosen stocks gain value over time. However, value funds may require patience, as they tend to perform better over a longer horizon.

Mid-Cap Fund
Mid-cap funds offer a blend of growth potential and moderate risk. They are ideal for investors with a long investment horizon as they can capitalize on mid-sized companies with growth potential. Your allocation here is well-positioned for potential high returns.

Small-Cap Fund
Small-cap funds are known for their high-risk, high-reward nature. They can provide substantial returns, especially in a rising market, but also tend to be more volatile. Since these funds require a high-risk appetite, ensure they align with your risk tolerance.

Flexi-Cap Fund
Flexi-cap funds bring flexibility by investing across large, mid, and small-cap stocks based on market conditions. This adaptability helps reduce risk while capturing opportunities across market segments, making it a strong choice for diverse returns.

 

NPS Contribution
Your regular NPS contributions are a solid addition to your retirement planning. NPS offers tax benefits and is structured to build a retirement corpus with lower risk through a balanced exposure to equity and debt. However, consider increasing this contribution gradually if retirement planning is a priority, as it ensures a steady, low-cost source of income at retirement.

 

Suggested Modifications
To enhance your portfolio’s effectiveness, here are a few suggestions:

Consider Adding Large-Cap or Balanced Hybrid Fund
While mid- and small-cap funds add growth, they can also increase volatility. Adding a large-cap fund or a balanced hybrid fund can provide stability by focusing on larger, more stable companies. This would create a balanced growth cushion, especially if the market faces turbulence.

Review SIP Allocation Regularly
Reviewing your SIP allocation every 1-2 years is essential. It will allow you to assess if your goals remain aligned with market changes and personal financial growth.

Increase SIP Gradually if Possible
Consider incrementing your SIPs annually. A gradual increase of even 5-10% can make a significant difference over the years, boosting your long-term corpus without a major impact on your cash flow.

 

Final Insights
Your portfolio is strategically diversified and includes funds that can help achieve solid long-term growth. The suggested addition of a large-cap or balanced hybrid fund would help mitigate volatility and create more stability. With regular review and a slight increase in SIPs, you are well on track to building a robust financial future.

 

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
Career
Hi, my son has secured an admission in a 2+2 BITS CSE program 2025 at Hyderabad (first 2 years) and Iowa state univ (for next 2 years). Under DASA he can potentially get AI at NITK or ECE at NIT Trichy or CSE in NITW (his CRL rank is 25200). Can you please advise and provide recommendations on what we can choose and reasons? We know 2+2 ISU program is more expensive compared to NIT DASA fees but is it worth the money vis-a-vis doing a B.Tech at NIT and doing a masters in US later? For this rank, what can he get at the said NITs under DASA?
Ans: The BITS Pilani–Iowa State University 2+2 CSE offers two years at BITS Hyderabad (ACM-aligned curriculum, NAAC A++ accreditation, state-of-the-art AI, data-science and cloud labs) followed by two years at Iowa State University (top-50 US engineering program, immersive B.S. in Computer Engineering, ISU merit scholarships up to US $4,500/year). Total direct tuition and campus fees for BITS Hyderabad amount to approximately ?10.5 L per year, while Iowa State tuition exceeds US $33,000 annually, plus living expenses. Graduates earn dual degrees with global brand recognition and typically secure near-100% placement through BITS’s 200+ recruiter network and ISU’s strong career services, commanding premium compensation packages in software, data science and R&D roles.

Under DASA with an All-India CRL of 25,200, he qualifies for: B.Tech AI at NIT Surathkal (AI cutoff: 26,688); B.Tech ECE at NIT Trichy (ECE cutoff: 66,706); and B.Tech CSE at NIT Warangal (CSE cutoff: 46,935). Each NIT features NBA accreditation, experienced PhD faculty, modern labs and strong industry MoUs. NITK AI and NITW CSE boast placement rates above 80% and growing AI/analytics recruitment pipelines, while NIT Trichy ECE records near-75% core-sector placements. Annual DASA fees at NITs range from US $15,000–18,000, significantly lower than BITS-ISU costs, with comparable scholarship opportunities limited.

Balancing long-term ROI, the BITS 2+2 path accelerates global exposure, dual-degree credentials and premium placements at higher upfront cost. A B.Tech at NIT followed by a US master’s entails lower initial investment, robust core engineering training and the flexibility to self-fund graduate studies through campus placements or scholarships.

Recommendation: Opt for BITS 2+2 CSE if you prioritise world-class international exposure, dual degrees and, top-tier placement networks despite higher fees. Choose a DASA seat at NIT (AI at NITK or CSE at NITW) for cost-effective core engineering training with solid placement and later pursue a US master’s via merit scholarships. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Career
Best option in iiit hyderabad for better placement and early internship in btech and dual degree for course cse with speclization ai ml
Ans: Dipanshu, IIIT Hyderabad’s B.Tech in CSE offers an ACM-aligned curriculum covering algorithms, systems, AI/ML, data science and electives in computer vision and NLP, delivered through state-of-the-art AI, cloud-computing and robotics labs. A 12-credit Practice School internship begins in the fifth semester, supported by a proactive placement cell and corporate mentoring, yielding a 99% placement rate for BTech CSE with an average package of ?31.98 LPA over the past three years. Faculty include PhD-qualified researchers with strong industry collaborations, and accredited NAAC A++ status underpins academic quality. The five-year dual-degree integrates the BTech foundation with a research-oriented MS by Research, immersing students in advanced AI/ML theory, thesis work under DST/CSIR grants, and early research assistantships via centres like Kohli Center on Intelligent Systems. Dual-degree cohorts see 100% MS placement at an average of ?26.46 LPA, and graduates often secure RA internships and stipends of ?20,000–?50,000 monthly through lab-based projects. Both paths benefit from IIIT-H’s industry MoUs, interdisciplinary innovation hubs and global recruiter network, yet differ in academic depth, time-to-degree and placement profiles.

Recommendation: Opt for the BTech CSE for its higher average placement packages, structured Practice School internships from year three and broader recruiter diversity. Choose the dual degree if you seek early research immersion, advanced AI/ML specialization, funded thesis work and a stronger pathway into academia or R&D roles. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Career
My son got admission in KCG college chennai with CSE. Now we got CSE in Amrita Chennai. My concern that Amrita chennai feeswise more than double comes to around 18 laks whereas KCG 8 laks overall Kindly suggest which one is good. Amrita is over burden for me. Still considering my son career I am ready to take loan or something to manage. Kindly suggest which one is goo
Ans: Raj Sir, KCG College of Technology, affiliated to Anna University and AICTE-approved, holds NAAC A+ and NBA accreditation for its CSE programme, a centrally located 50-acre campus with 140+ virtual and physical labs, including specialized AI, cloud and programming facilities. Its dedicated placement cell reported an 88%–94% placement rate over the past three years, with an average package of ?5 LPA and top recruiters such as Accenture, Cognizant, IBM and Amazon. Total tuition fees amount to approximately ?2 lakhs for the entire B.E. course.

Amrita School of Engineering Chennai, a constituent of Amrita Vishwa Vidyapeetham (NAAC A++), operates a 13.5-acre hill-campus with state-of-the-art AI, data-science, cybersecurity and cloud labs, and a strong industry-university research ecosystem. Its CSE graduates achieved a 90%+ placement consistency in 2024, with an average package of ?9.2 LPA and participation from 300+ recruiters including TCS, Wipro, Accenture and Amazon. Total tuition fees for B.Tech CSE are ?18 lakhs over four years.

Academically, KCG offers a robust ACM-aligned curriculum and extensive virtual-lab access, whereas Amrita provides a research-driven, choice-based credit system, extensive centers of excellence, and global collaborations. Both institutions maintain active MoUs and experienced Ph.D. faculty, but Amrita’s higher spend yields stronger median placements and broader recruiter reach.

Recommendation: Opt for Amrita Chennai CSE if investment is feasible, to leverage its superior placement outcomes, advanced research infrastructure and extensive industry linkages. Choose KCG College CSE for an accredited curriculum with solid placement consistency at a significantly lower cost, preserving financial flexibility. MY SUGGESTION: Finalise KCG and advise your son to keep upgrading his skills during the next 4 years, build a strong & professional LinkedIn Profile, improve his soft skills etc., to be competitive among other students for campus placement. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
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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