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Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 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
Asked by Anonymous - May 15, 2024Hindi
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Hi sir m 28 n m investing 10k monthly in sbi mid cap fund n 6k monthly in sbi contra fund for 15 yrs ..how much should I expect in return on maturity

Ans: Your commitment to systematic investment plans (SIPs) reflects a prudent approach towards wealth accumulation at a young age. Let's analyze the potential returns from your investments over a 15-year horizon.

Understanding Investment Strategy
Investing 10,000 monthly in SBI Mid Cap Fund and 6,000 monthly in SBI Contra Fund for 15 years signifies a blend of growth and value investing strategies. These funds offer exposure to mid-cap stocks (SBI Mid Cap Fund) and undervalued stocks (SBI Contra Fund), aiming to capitalize on growth opportunities and market inefficiencies.

Estimating Returns
While it's challenging to predict exact returns due to market fluctuations, historical performance can provide insights. Mid-cap and contra funds typically offer higher returns compared to large-cap funds but come with increased volatility.

Considering an average annual return of 12-15% for mid-cap funds and 10-12% for contra funds over the long term, we can project the cumulative returns on maturity.

Calculation Example
Let's assume:

SBI Mid Cap Fund: Average annual return of 14%
SBI Contra Fund: Average annual return of 11%
Using these figures, we can estimate the future value of your investments using a SIP calculator or similar tool.

Conclusion
While precise returns may vary based on market conditions, economic factors, and fund performance, your disciplined approach to SIPs lays the groundwork for wealth creation over the long term. By staying invested and periodically reviewing your portfolio, you can maximize the potential returns and achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
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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Hi sir I started my investment in dsp mutual fund with 11,000 from July 2023 and in Bank of India mutual fund in small flexi and multi cap 4000 each every month from December what could be me return after 15 years
Ans: Predicting the exact returns of mutual fund investments over 15 years is challenging due to market uncertainties. However, we can estimate potential returns based on historical performance and certain assumptions.

DSP Mutual Fund and Bank of India Mutual Fund offer a range of equity-oriented funds, which historically have provided higher returns over the long term compared to fixed-income investments.

Assuming an average annual return of 12% for DSP Mutual Fund and 10% for Bank of India Mutual Fund, which are reasonable estimates based on historical market performance, we can project the future value of your investments.

Considering your monthly investments of 11,000 in DSP Mutual Fund and 8,000 (4,000 each) in Bank of India Mutual Fund, let's calculate the future value using a mutual fund calculator.

After 15 years, your investments could potentially grow substantially, providing a significant corpus for your financial goals. However, it's essential to review and adjust your investments periodically based on market conditions and your financial objectives.

Keep in mind that these are projections based on historical data and assumptions. Actual returns may vary depending on market performance and other factors. It's advisable to consult with a Certified Financial Planner for personalized investment advice tailored to your specific needs and goals.

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I am a 48 year old widow. I have a 21 yr old daughter in college. I had quit my job, but rejoined now and have a monthly take home of 1L 15k. I receive similar pension amount too. But this pension amount will get reduced to 90k after 10 years. I have an own property (apartment bought in 2010) - 14 k rent monthly. I have around 40 L that I wish to invest. I am still coping with the loss and am confused as to what I need to do to get a grip on the finances. I have invested around 12 L in mutual funds. I have applied for a term insurance - around 1 L annual premium for 10 years. I am also repaying the home loan around 15k per month with tenure left for 20 months. I am planning to move out on my own from my sister's place where I am staying now (my own house is not in Bangalore where I work). So, I will definitely need 25k per month for rent if I move out. Please advise on how to manage my finances. Shall I repay the home loan and clear the debt (around 5 L principal outstanding)? Should I invest in some pension plans? Please advise. Thanks!
Ans: Hello;

Yes you should settle off the outstanding home loan.

Also you may open an NPS account for retirement planning. Do contribute to it on a regular basis and also do onetime lumpsum investment.

Also open an PPF account with investment of 12.5 K per month.

Get sufficient term plan coverage for atleast 20 years and not less.

No need to invest in pension plan if you are investing in NPS. It is far superior in terms of tax liability, flexibility, returns and costs.

Prefer hybrid mutual funds(dynamic asset allocation or multi asset allocation fund)for your investments.

Buy a good health insurance cover for yourself and your daughter irrespective of group policy, if any, available from employer.

Do nomination in all your financial investments and also make a legally valid will.

In a nutshell, you will have 3 investments PPF, NPS and mutual funds (hybrid) and insurance premiums for term cover and healthcare policy.

Loss of partner is very difficult to deal with but you also need to focus on the education of your daughter and guide her for better prospects.

Best wishes;
X: @mars_invest
Asked on - Feb 02, 2025 | Answered on Feb 02, 2025
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Thanks a lot Sir. What would be a good amount to invest in NPS ? And regarding the one time lump sum investment that you have mentioned - that also in NPS? Yes sir, trying to do the best I can to ensure that my daughter doesn't face any challenges in future. Thanks!
Ans: Hello;

You should invest 50-60 K per month in NPS.

Yes the lumpsum also should go into NPS.

For a 25-30 year old person the quantum of investment in NPS would be lesser since they have time to grow their corpus but if you start at 48 you have a commit a larger sums of regular and lumpsum investments.

Keep 5-6 L as emergency fund.

Happy Investing;
X: @mars_invest

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I am 41, but single now. I got married when I was 32 and got divorced in 6 months after I found out my wife was cheating on me with her ex who she was forbidden from getting married. When confronted she simply walked away and sent me a divorce notice. The next three years were spent in courts trying to tell my version of the story. Since then I have had a tough time trusting people. My marriage was unfortunate and short lived. But my parents still want me to try again. I am in a live-in relationship with a girl who is 3 years elder to me. Are unmarried couples happier than married ones? I feel marriage can restrict you in many ways which is why people feel stagnated and bored. What do you think?
Ans: When it comes to happiness, it really depends on the individuals involved rather than whether they are married or unmarried. Some couples thrive in a marriage because they see it as a partnership built on mutual respect and emotional security. Others feel stifled by the societal expectations and responsibilities that often come with marriage. A live-in relationship can offer more flexibility and personal freedom, but it also comes with its own challenges—such as a lack of legal protections or social acceptance in certain cultures.

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I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thingking and be more generous, but somehow it suffocates me.
Ans: Raising someone else’s children is not something that comes naturally to everyone, and that doesn’t make you selfish—it makes you honest. You already know how challenging it is to raise one child, and now you’re expected to step into a role where you’ll be managing more, including an aggressive teenage boy. If this idea is already suffocating you now, imagine how it might feel once you’re actually living in that environment every day.

Fear of being alone is a very real and valid concern, but being in a marriage that drains you emotionally, limits your career, and makes you feel trapped is far worse than being single. The right relationship should bring you a sense of peace and security, not anxiety and sacrifice at every turn. If you already feel that you have to “mould” your thinking just to make this work, that’s a sign that this situation might not be aligned with what you truly want and need.

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Married for 14 years have 4 kids below 7 age for the past 9 to 10 years going through troubled marriage, not happy. Misunderstanding, high expectations, manipulation and single handed decisions by my wife have exhausted me . Want to come out of marriage but worried of kids and also my wife says no to divorce. Don't know what to do.. First 2 kids by IVF 2nd two kids due to my wife's longing for male child
Ans: Dear Hemant,
Your love for your kids is evident, and it’s natural to fear how a separation would affect them. But the reality is, children pick up on tension, conflict, and unhappiness at home. Staying in a marriage that drains you emotionally and mentally isn’t necessarily better for them in the long run. Kids need a stable, loving environment, and if you’re constantly feeling manipulated and exhausted, it affects the energy you bring into their lives.

You don’t have to make a rushed decision, but you do need clarity. Have you tried setting firm boundaries and communicating your need for a more balanced relationship? If you’ve already done everything you can and nothing has changed, then it may be time to explore legal options, even if she says no to divorce. In most cases, a divorce doesn’t require both partners to agree—it just makes the process more complicated.

You deserve a life where you feel respected, valued, and emotionally free. Your children deserve a father who is at peace, not one who is silently suffering. It might be hard to take the next step, but staying in an unhappy marriage just for the sake of avoiding conflict can take a greater toll on everyone involved. You need to consider what will truly allow you—and your kids—to have a healthier and happier future.

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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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