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Ramalingam Kalirajan |8221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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

Question by Gautham on Oct 03, 2023Hindi

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Dear sir, I have to make sip for 1000 rs within a time horizon for 28 months for specific goal plz suggest MF for short term

Ans: For a short-term investment horizon of 28 months, it's important to prioritize stability and minimize risk. Consider mutual funds that focus on debt instruments or conservative equity strategies. Debt funds like short-term debt funds or ultra-short duration funds can be suitable for short-term goals as they provide relatively stable returns with lower volatility compared to equity funds.

Additionally, you may explore conservative hybrid funds that invest in a mix of debt and equity securities, with a larger allocation towards debt instruments. These funds aim to provide capital preservation while offering some potential for growth.

Before investing, ensure to assess the fund's past performance, expense ratio, and investment strategy to align with your risk tolerance and investment objectives. It's advisable to consult with a Certified Financial Planner for personalized advice based on your specific financial situation and goals.

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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Question by Dipesh - Sep 01, 2022Hindi

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I am 19 years old and currently pursuing my graduation. I want to start a SIP of Rs 1000 for short term (3-5 years) which will give high returns with high risk or moderate risk. Can you please suggest me some MF for my plan? I can start investing in 2 or 3 SIP after 3-4 months.

Ans: You may consider these:

1. Parag Parikh Conservative Hybrid Fund - Growth

2. ICICI Prudential Balanced Advantage Fund - Growth

3. HDFC Balanced Advantage Fund - Growth

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Financial Planner - Answered on May 10, 2023

Question by sedrick - May 10, 2023Hindi

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Want to start a MF SIP of rs 10,000 for a period of 5 years. Please guide me

Ans: These 5 Mid Cap #mutualfunds have given the highest returns in the last 5 year time period :

ðŸŽ¯Quant Mid Cap Fund
ðŸŽ¯PGIM India Midcap Opps Fund
ðŸŽ¯Motilal Oswal Mid Cap Fund
ðŸŽ¯Axis Midcap Fund
ðŸŽ¯Kotak Emerging Equity Fund

Ramalingam Kalirajan |8221 Answers |Ask -Follow

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

Question by Balachandran - Apr 10, 2024Hindi

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Suggest me sip for 10 yrs wth gud profit mam I m bala

Ans: Bala! Investing in SIPs (Systematic Investment Plans) for a period of 10 years can be a prudent way to build wealth over the long term. Here are some suggestions for SIPs that have the potential for good returns:

Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable earnings and are relatively less volatile compared to mid-cap and small-cap funds. Examples include funds that track the Nifty 50 or Sensex indices.
Multi-cap Equity Funds: These funds have the flexibility to invest across companies of various market capitalizations, offering a diversified portfolio. Look for funds with a proven track record of delivering consistent returns over the long term.
Mid-cap and Small-cap Equity Funds: These funds invest in companies with smaller market capitalizations, which have the potential for higher growth but come with higher volatility. If you have a higher risk appetite and a longer investment horizon, consider allocating a portion of your SIP towards these funds.
Sectoral Funds: Investing in SIPs focused on specific sectors like technology, healthcare, or banking can be profitable if you have a strong conviction about the growth prospects of these sectors. However, sectoral funds come with higher risk and volatility, so it's essential to diversify your portfolio accordingly.
Remember to choose SIPs that align with your risk tolerance, investment goals, and time horizon. It's also crucial to review your portfolio periodically and make adjustments as needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial situation and objectives. Happy investing!

Ramalingam Kalirajan |8221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Question by Yash - Apr 17, 2024Hindi

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Sir i want to start a sip for 5k please suggest an sip for a long term investment. Current sip amount is 1k in hdfc mid cap opp. My age is 20

Ans: It's great to see your interest in starting a SIP at such a young age! Since you're already investing in HDFC Mid Cap Opportunities Fund, let's explore some other SIP options for long-term investment:

Large Cap Funds: Consider investing in large-cap funds, which typically invest in well-established companies with a proven track record. These funds offer stability and steady growth potential over the long term. Look for funds with a consistent performance history and a focus on quality stocks.
Multi-Cap Funds: Multi-cap funds invest across companies of different sizes, offering diversification and flexibility. These funds have the freedom to shift between large-cap, mid-cap, and small-cap stocks based on market conditions. Choose a fund with a seasoned fund manager and a disciplined investment approach.
Index Funds: Index funds replicate the performance of a specific market index, such as the Nifty 50 or Sensex. These funds have lower expense ratios and provide broad market exposure. Investing in index funds can be a cost-effective way to participate in the equity markets over the long term.
Balanced Advantage Funds: Balanced advantage funds dynamically allocate between equity and debt based on market valuations. These funds aim to provide stable returns with lower volatility. Consider investing in a balanced advantage fund for a balanced risk-return profile.
Global Funds: Global funds invest in international equities, providing exposure to global markets and diversification beyond domestic stocks. These funds offer the opportunity to benefit from global economic growth and innovation. Choose a global fund with a focus on quality companies and strong fundamentals.
Before selecting a SIP, assess your risk tolerance, investment goals, and time horizon. Consult with a Certified Financial Planner or investment advisor to choose a SIP that aligns with your financial objectives and risk profile. By starting early and investing consistently, you're laying the foundation for long-term wealth creation and financial security. Keep up the good work, and best of luck with your investment journey!

Latest Questions

Ramalingam Kalirajan |8221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 12, 2025Hindi

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I am 38 year old in IT, draws a little over 3L per month, married and 3 kids. First one in 5th standard, second in UKG and third is in play school. Wife working in IT as well drawing 2L per month. We have Two houses - one individual house estimated value (1.5 CR) with 18L loan pending paid by me (26.5k per month EMI) and other apartment nearing completion estimated value (1CR) with 50L loan pending paid by my wife (47k per month EMI). As far as other savings are concerned I have around 50L in MFs and my wife has 20L. I have 5L in stocks, 5L in FDs and 5L in other markets. My PF value is around 25L. My wife PF and Gratuity together around 20L. We have Vehicles estimated to give 10L. Currently living in a metro city for our work with expenses upto 2L per month including loans, kids education, rent etc Please tell us what more needed for us to retire and move to less expensive tier 2 place where living expenses can be between 50k - 1l name month.

Ans: Current Financial Overview
Age: 38 years

Monthly Income: Rs. 5 lakh (combined)

Monthly Expenses: Rs. 2 lakh (including EMIs)

Assets:

Mutual Funds: Rs. 70 lakh

Stocks: Rs. 5 lakh

Fixed Deposits: Rs. 5 lakh

Other Investments: Rs. 5 lakh

Provident Fund: Rs. 45 lakh (combined)

Vehicles: Rs. 10 lakh

Liabilities:

Home Loan 1: Rs. 18 lakh (EMI: Rs. 26,500)

Home Loan 2: Rs. 50 lakh (EMI: Rs. 47,000)

Retirement Corpus Estimation
Target Monthly Expenses Post-Retirement: Rs. 1 lakh

Expected Retirement Age: 50 years

Life Expectancy: 85 years

Inflation Rate: 6%

Expected Return on Investments Post-Retirement: 8%

Based on these assumptions, you would require a retirement corpus of approximately Rs. 6 crore to maintain your desired lifestyle in a tier-2 city.

Children's Education Planning
Child 1: Currently in 5th standard

Child 2: Currently in UKG

Child 3: Currently in play school

Assuming higher education costs of Rs. 25 lakh per child in today's terms and considering an education inflation rate of 10%, the future cost for each child could be significantly higher. Therefore, it's essential to start dedicated investments for each child's education.

Action Plan
Increase Savings: Aim to save at least 40% of your combined monthly income.

Debt Reduction: Prioritize paying off high-interest debts to reduce financial burden.

Investment Strategy:

Continue investing in mutual funds with a focus on long-term growth.

Diversify your portfolio to include a mix of equity and debt instruments.

Emergency Fund: Maintain an emergency fund equivalent to 6 months of expenses.

Insurance:

Ensure adequate life insurance coverage for both you and your wife.

Obtain comprehensive health insurance for the entire family.

Final Insights
You're on a solid financial path with a strong income and investment base.

Focus on increasing your savings rate and reducing liabilities.

Plan systematically for your children's education expenses.

Regularly review and adjust your investment portfolio to align with your retirement goals.

Consider consulting a Certified Financial Planner to tailor a comprehensive financial plan for your family's needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Mayank Chandel |2192 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 12, 2025Hindi

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I got 95.87 percentile can I get Nit chemical give me list of nits

Ans: Hi
You have a good chance in:
Lower and newer NITs like:
NIT Puducherry
NIT Sikkim
NIT Meghalaya
NIT Arunachal Pradesh
NIT Mizoram
NIT Nagaland

Borderline chance (for home state quota or reserved category):
NIT Raipur
NIT Jalandhar
NIT Hamirpur
NIT Agartala
NIT Silchar

If you tell me your category and home state, I can give you a more precise prediction.

In case of any queries & professional admission help, you can DM me through insta handle CAREERSTREETS I will help you out.

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 11, 2025Hindi

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Sir I have 44%ile in jee mains from SC category Rajasthan state domicile can I gate Engineering college with decent branch

Ans: Hello dear.
You have a chance to get admission to engineering college, but you have to compromise with the branch. Thanks
Follow me if you like the reply.
Radheshyam

Nayagam P P |4417 Answers |Ask -Follow

Career Counsellor - Answered on Apr 12, 2025

Question by UDAY - Apr 10, 2025Hindi

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Hii sir muje aaose puchhna hai mere bete ne ssc kiboard ki exam fi hai aage ki padhai k bare me thoda confuse hai hambe dmit bhi karvaya ...to dmit k councelar ne hame science stram lene se mana kar diya hai aur engineering me bhi dalne se mana kiya hame use cse diploma me karvana chahte the lekin councelar ne commers aur arts me jane ki salah di hai dmit test par kitna trust karna chahiye kya kare

Ans: Uday Sir, thank you for reaching RediffGURU. Your concern is completely valid — and many parents face the same confusion after 10th, especially after taking a DMIT test. Let me explain everything in a clear and practical way: DMIT (Dermatoglyphics Multiple Intelligence Test) is based on fingerprint patterns and claims to assess a child’s inborn talents, personality, and learning style. While it can give some general insights, it is not scientifically proven and should not be the sole basis for career decisions. However, to some extent, Psychometric Test will be more helpful, compared to DMIT, providing some suitable career options for your son. So, use DMIT as a guidance tool, not as the final decision-maker. What Should You Focus on Instead? His Interest + Aptitude + Effort — These matter more than any test. Look at your son's performance in Maths, Science, English, etc. during SSC. Has he shown any interest in: Coding or Computers? Business or Finance? Design or Creativity? Communication or Language? Based on this, you/he can help select the right stream (Engineering | Medical | Commerce | Arts-Humanities) or he prefers Diploma (like CSE Diploma after 10th) if he's not confident about handling 11th-12th Science, then a diploma in Computer Engineering (CSE) is a good alternative. After 3 years of diploma, he can join 2nd year of Engineering (B.E/B.Tech) through lateral entry. But again, it should be based on his interest in technology or computers — not pressure.

Talk to your son — ask what he enjoys or dreams about. Use DMIT + school marks + family guidance together to decide. Don’t choose a stream only because “DMIT said so” or “log kya kahenge.” All the best for your Son's Bright Future!

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Nayagam P P |4417 Answers |Ask -Follow

Career Counsellor - Answered on Apr 12, 2025

Asked by Anonymous - Apr 09, 2025Hindi

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sir mene 2022-2023 baords diya tha pass nhi hua 2023-2024 diya hn pass hoga but percentage km aye then 2024-2025 krliya hn 90 percent aaye hn isme mene as a regular students karya hn naaki ki improvemnt likha nhi aayega school balo ne confirm kiyaa hn kya ab jee de skta mains and adv 2026 mein iwant to scoore good in adv sir 2026 with good rank

Ans: Your Academic History Recap: 2022-2023: Gave boards – Did not pass.2023-2024: Gave boards again – Passed, but low percentage. 2024-2025: Appeared as a regular student, scored 90%, and the school confirmed it won’t show as improvement. Are You Eligible for JEE Main & Advanced 2026? Yes, you are eligible for both JEE Main and Advanced 2026, because only your latest qualified attempt is considered, which is 2025. You passed 12th in 2025, so your first JEE Advanced attempt will be in 2025, and second in 2026 (which is what you’re planning). Make sure your 2025 mark sheet shows you as a regular pass and not an "improvement candidate. In JEE Advanced, eligibility criteria say: "A candidate should have appeared for the Class 12 (or equivalent) examination for the first time in either the previous year or the current year." You are within this rule because 2025 is your first full qualified passing year. Plan to Score High in JEE Advanced 2026. Since you have a full year to prepare, here’s a strategy: Focus on Concepts: Use NCERT, HC Verma, Irodov, Cengage, or MS Chauhan as per subjects. Join any reliable online Test Series. Solve PYQs (Last 20 years): For both Mains and Advanced. Revise Smartly: Make short notes, formula sheets, and track your weak areas. Stay Consistent: Use Pomodoro technique, meditation/yoga to stay sharp. If time permits, watch EduJob360 YouTube Videos on Engineering Entrance Exams, Preparation Strategies, Counselling & More. All the best for your preparation & admissions!

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Nayagam P P |4417 Answers |Ask -Follow

Career Counsellor - Answered on Apr 12, 2025

Asked by Anonymous - Apr 12, 2025Hindi

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I got 61 marks in jee mains ews category can I clear jee mains cutoff and get any decent college cse branch

Ans: Based on last year data, you’re likely to clear the JEE Main cutoff for EWS.
Unfortunately, CSE is one of the most competitive branches, and at 61 marks, Top NITs/IIITs/GFTIs NOT possible for CSE with this score.

Lower-tier GFTIs/IIITs: CSE chances are very slim, but you might explore other branches like Mechanical / Civil / Metallurgy, etc.

Try Private Colleges through JEE Score, if fees affordable for your parents. Shiv Nadar University | UPES, Dehradun | Amity University | NIIT University | Any Other College in your / neighbouring States. You may get CSE here depending on their cutoffs and intake. Participate in Counselling: Especially CSAB Special Round, where vacant seats may open up. Explore Private Institutes with Good CSE Programs: Some accept JEE scores but have separate merit lists. Try for Scholarship options. All the best for your admissions!

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Dr Dipankar Dutta |1125 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 11, 2025

Asked by Anonymous - Mar 22, 2025Hindi

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JEE Mains query: My son is in PUC in Karnataka and would like to know if we can avail Hyderabad-Karnataka quota for JEE mains or advance - if he passes with required percentile or percent. Ours is a general category. FYI, my daughter got medical seat using the same quota in 2023. Thanks is advance. SAH

Ans: Yes, your son can avail the Hyderabad-Karnataka (HK) quota, now known as the Kalyana Karnataka (KK) reservation, for JEE Mains or JEE Advanced, provided he meets the eligibility criteria. Since your daughter has already availed this quota for medical admissions, your son should also be eligible.

Dr Dipankar Dutta |1125 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 11, 2025

Question by Rajeswari - Mar 22, 2025Hindi

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Jee mains result session 1 2025 EWS category girl 86 percentile CRL rank and Category rank how much Sir...

Ans: Common Rank List (CRL) Rank: Approximately 1.2 to 1.5 lakh.?

EWS Category Rank: Approximately 15,000 to 20,000.

Dr Dipankar Dutta |1125 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 11, 2025

Question by Mrg - Mar 27, 2025Hindi

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I got 90.7 percentile in jee im from punjab plz tell me the best engineering college i could get

Dr Dipankar Dutta |1125 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 11, 2025

Asked by Anonymous - Apr 01, 2025Hindi

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Sir I have one doubt I'm a 1st dropper of jee and I have give 4 times jee mains and 0 not qualified for advance yet, but if I take 2nd drop I'm eligible for mains but not for advance so what if I give my board exam again from different board like nios this year and give jee advanced next year am I eligible for advance as a fresh candidate,if yes then ok but if no so how will they get to know that I already gave So what if

Ans: Yes, if you reappear for your 12th board from NIOS (or any other recognized board) in 2025, then you will be considered a fresh candidate for JEE Advanced.

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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