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Aspiring Investor Seeking Guidance from Mr. Ramalingam

Ramalingam Kalirajan |9823 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 24, 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

Question by Suchita on Jan 24, 2025Hindi

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This message is for Mr. Ramalingam. I really appreciate the way you breakdown any financial issues. Hats off to you for your hard work and dedication.

Ans: Thank you so much for your heartfelt appreciation. It means a lot to me that my efforts in simplifying financial matters are making a positive impact. Your kind words truly inspire me to continue delivering valuable insights and guidance.

If you ever need assistance or have any queries, feel free to connect. I’m here to support you in your financial journey.

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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Thanks Mr. Ramalingam,

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

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Question by Nb - Jun 12, 2024Hindi

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Harekrishna Sir ji . Thanks for your support and outstanding ???? financial advices. With regards Harekrishna. Sankar Roy Jai Hind

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

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www.holisticinvestment.in

Latest Questions

Nayagam P P |9268 Answers |Ask -Follow

Career Counsellor - Answered on Jul 22, 2025

Question by Priyanka - Jul 22, 2025Hindi

Career

My son got 245 in bits .He can get any Brecht branch

Ans: Priyanka Madam, by now your son must have been allotted/not allotted any seat by BITS. Please update the status for today. However, please note, A BITSAT score of 245 situates you within the previous two years’ closing-score bands for core engineering streams at the Pilani, Goa, and Hyderabad campuses. At Pilani, the B.E. Chemical Engineering cutoff ranged from 224 in 2023 to 247 in 2024, placing your 245 close to the 2024 threshold and comfortably above 2023’s mark; B.E. Civil Engineering closed at 213 and 238, making admission highly probable; and B.E. Manufacturing Engineering cutoffs of 220 and 243 indicate a strong likelihood of allotment. At Goa, Chemical Engineering closed at 239 in 2024 and 248 in 2023, and Civil around – (not offered in 2024) – but Pilani-equivalent streams suggest safe admission; Manufacturing cutoffs mirror Pilani trends, bolstering your prospects. At Hyderabad, Chemical Engineering cutoffs of 238 and 209 over the two years ensure a secure allotment, while Civil Engineering’s 235–204 band similarly favors your score; Manufacturing at Hyderabad showed closing marks near 218–251, indicating moderate probability. Across campuses, Civil and Manufacturing remain reliably within reach, Chemical at Pilani may require waitlist movement but is feasible given historical fluctuations, and all three streams at Hyderabad and Goa present strong chances. Additional seats open during special iterations further enhance admit probabilities.

Recommendation: Considering consistent cutoff trends and seat matrices, prioritize B.E. Civil and Manufacturing Engineering at BITS Pilani for guaranteed allotment, consider Chemical Engineering at Pilani via waitlist movement, and secure Chemical, Civil, or Manufacturing Engineering at BITS Hyderabad or Goa for assured admission, capitalizing on slightly lower cutoffs and ample seat availability. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 22, 2025

Question by Manjunath - Jul 18, 2025Hindi

Career

I am working as Business Analyst from past 4 years but I wanted to move to technical role. I have done Btech in CSE from tier-3 college. I wanted some advise on the the best way to switch to a tech role. 1. Taking some online boot camp to get in-depth knowledge and doing side projects over the weekends 2. Taking WILP from BITS in Software engineering/ data science 3. Prepare from GATE 2026 and aim for IITs

Ans: Manjunath Sir, To shift into a technical position, integrating structured learning, credentialing, and practical experience is essential. The recommended pathway combines immersive project-based training with a recognized postgraduate credential while keeping a long-term goal of elite technical qualification. Begin with a part-time online software engineering or data science bootcamp, dedicating weekends to substantial portfolio projects to build hands-on skills and confidence in key stacks . Concurrently, enroll in BITS Pilani’s Work-Integrated M.Tech (Software Engineering or Data Science & Engineering) to earn a UGC-approved postgraduate degree without leaving your job, benefitting from weekend live classes, remote labs covering full-stack or analytics tools, and a final semester dissertation that bridges theory with organizational impact . This dual track—bootcamp plus WILP—provides immediate upskilling, peer and mentor networks, and a formal degree. After 12–18 months, if aiming for top-tier R&D or core engineering roles, commence GATE 2026 preparation via a structured three-phase roadmap: concept building (June–August), full-length practice (September–November), and final mock-test calibration (December–January), targeting a CSE rank

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Career And Placement Consultant - Answered on Jul 22, 2025

Asked by Anonymous - Jul 21, 2025Hindi

Career

Sir I had asked many times but got no answer please tell VNIT Nagpur civil engineering vs nit Rourkela civil engineering... What to choose and why

Ans: Dear The reasons which one to choose and why is not a simple question.
Both are good colleges . However , You can consider NIT Rourkela for Civil engineering.
Normally, the factors like past Campus placement records & the average salary offered are considered .

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Career And Placement Consultant - Answered on Jul 22, 2025

Question by yash - Jul 21, 2025Hindi

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Sir I did 12 in 2016-17 I appeared in practical exam but in final exam I was absent I have 12 failed marksheet with me and I do 12 again and appear in jee mains please sir answer me I am very confused and I came with hope to make my life better your answer will mean much to me

Ans: Dear Yash, If you are sure and confident that after almost 8-9 years of gap "You cn cope up with the studeies and secure better marks and clear JEE Mains / advanced, I will appreciate . However as the gap is too big and will not be easy to concetrate in studies due to oth'er factors around you. The only thing is 'your honest efforts and dedication. If so , there is no problem. .

Pradeep Pramanik |241 Answers |Ask -Follow

Career And Placement Consultant - Answered on Jul 22, 2025

Question by priya - Jul 22, 2025Hindi

Career

Sir My son got bits Goa campus mechanical engineering Thapar CSE PES CSE Which one to gor forward with

Ans: Dear Ms. Priya , for 'your son I will suggest Thapar CSE .

Pradeep Pramanik |241 Answers |Ask -Follow

Career And Placement Consultant - Answered on Jul 22, 2025

Question by Tanishka - Jul 22, 2025Hindi

Career

Sir pls suggest COEP Pune CSE or Nit Nagpur ECE or nit Warangal ECE+VLSI or nit rourkela Electrical

Ans: Dear Tanishka , In my opinion , You may opt for two COEP Pune for CSE or NIT Rourkela for ECE VLSI . Thanks

Pradeep Pramanik |241 Answers |Ask -Follow

Career And Placement Consultant - Answered on Jul 22, 2025

Question by Soumalya - Jul 22, 2025Hindi

Career

I am getting tier 2 iiit cse/ece like iiit nagpur,kota,kalyani, sricity,kottayam,una and also getting metallurgy, mining, production, biotech in NITs like raipur,arunachal pradesh,srinagar, agartala, hamirpur....what should I focus on?

Ans: Dar Soumalya , These courses from Different colleges have no similarity .. Before you finally pin down on any course , 'you must consider certain points : Your own interest , course fee and college , financial conditions , Future of Courses ( In next 5-10 yrs ) etc. Location , now a days is also an important factor , one has to consider . If you have interest in Mines . Metallurgy , Production Engineering You must prefer to join on prority.

Pradeep Pramanik |241 Answers |Ask -Follow

Career And Placement Consultant - Answered on Jul 22, 2025

Asked by Anonymous - Jul 22, 2025Hindi

Career

Which one to Choose Robotics and AI at Thapar Patiala or Mechanical at LNMIIT Jaipur

Ans: Dear Pl. go for Robotics and AI from Thapar University as demand of Engineers from Robotics & AI / ML are more .

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Career And Placement Consultant - Answered on Jul 22, 2025

Question by Lalit - Jul 22, 2025Hindi

Career

Sir kindly suggest M.Sc. Biological Sciences from BITS Pilani OR EVDT from NSUT Dwarka

Ans: Dear Mr. Lalit , Your options are pole apart . M.Sc in Bio Sciences , from BITS Pilani , Both courses and institute are well known and offers decent career where as Engineering in Environment , Vulnerability Decision Technology from NSUT Dwarka is comparatably new engineering course but has great future in coming years . In fact unlike past En'gineering courses in Newer fields are more in demand and career growth and packages offered are impressive. So you can choose as per your interest . However , If you want my opinion ,I would suggest you to go for EVDT .

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Career And Placement Consultant - Answered on Jul 22, 2025

Question by Praveen - Jul 22, 2025Hindi

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My son doing CSe from IIIt bhuvneshwar but not he got IIT plz siggest

Ans: Dear Mr. Praveen , When your son has already been studying in IIIT Bhubaneswar why to worry much . I have always been mentioning , Its your own honest efforts and sincere studies that will make the difference , not the college from where you obtained the degree. In the recent past , manystudents from comparatively lesser known colleges commanded higher packages than top college students. .

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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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