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Ajit Mishra | Answer |Ask -Follow

Answered on Sep 21, 2020

Question by Prasad on Sep 21, 2020Hindi

Money

My name is KSR Prasad, I have the following stocks with me. I dont mind exiting many,even on loss and entering promising ones to makeup in future. The list is long. Please advice.

Ans:

1. Ashok Leyland 50@108	Hold Atleast for 2-3 years
2. Bank of Baroda 20@172	Exit
3. Castrol india 50@200	Hold
4. Coal India 30@316	Hold
5. Crisil 10@1925	Hold
6.Dredging corp. of india 30@740	Exit
7. Edelweiss Fin services 25@291	Exit
8. Future Consumer 500@16	Merging with Future Enterprise, hence Hold
9. Gateway Distriparks 50@92	Exit
10. Hexaware Tech 25@430	Hold
11. IDFC First Bank 150@62	Exit
12. Indusind bank 10@532	Exit
13. ITC Ltd 20@202	Hold
14. Narayana Hrudalaya 35@333	Exit
15. Natco Pharma 10@968	Hold
16. NBCC india Ltd 150@84	Exit
17. Nocil Ltd 50@207	Exit
18. PC Jeweller 350@157	Exit
19. Pokarna Ltd 50@202	Exit
20. Rain Industries 50@273	Exit
21.Raymond ltd 30@293	Exit
22. Reliance capital 590@85	Exit
23. Reliance infra 145@162	Exit
24. Reliance power 1000@4.46	Exit
25. Shankara Bldg products 25@1048	Hold
26. sintex plastic tech 100@75	Exit
27. SREI infra 300@101	Exit
28. SBI 50@179	Hold
29. Strides pharma science ltd 55@674	Hold
30. Tata Motors 40@483	Hold
31. Transformer & rectifiers Ltd 1000@12	Exit
32. Udaipur cements 300@30	Exit
33. Vimta labs 50@102	Exit
34. Wockhardt ltd 15@845	Hold
35. yes bank 75@279	Hold
36. Zee entertainment 20@193	Hold

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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Ajit Mishra | Answer |Ask -Follow

Answered on Aug 01, 2020

Question by KRISHNAMURTHY - Aug 01, 2020Hindi

Money

I have following stocks, please advise:

1. 200 IRCTC shares purchased @ 1445. - Hold

2. 200 Bandhan Bank shares purchased at 395 - Hold

3. 400 Zee Entertainment shares purchased at The 204 - Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Sep 22, 2020

Question by Patel - Sep 22, 2020Hindi

Money

I have following stocks. Let me advice whether i have to exit, hold or accumulate. You will also advice me how to build good portfolio.

Sr. No	Company Name	Qty	Average Cost Price	Recommendation
1	ASSOCIATED ALCOHOLS & BREWERIE	21	298.31	Exit
2	ASHOK LEYLAND LTD	49	121.15	Hold Atleast for 2-3 years
3	LT FINANCE HOLDINGS LIMITED	90	171.5	Hold
4	STATE BANK OF INDIA	4	341.99	Hold
5	YES BANK LIMITED	1309	55.5	Hold
6	GRAPHITE INDIA LIMITED	18	626.16	Exit
7	SICAGEN INDIA LIMITED	500	30.56	Exit
8	JAI CORP LIMITED	108	192.54	Exit
9	ADITYA BIRLA CAPITAL LIMITED	50	190.07	Exit
10	FUTURE CONSUMER	2000	19.5	Merger with Future Enterprise, Hence Hold
12	FINEOTEX CHEMICAL LIMITED	108	82.66	Exit
13	ARTSON ENGINEERING LTD	250	53.79	Exit
14	IMAGICA WORLD ENTERPRISE	1500	6.5	Exit

Samraat Jadhav |2353 Answers |Ask -Follow

Stock Market Expert - Answered on Jul 03, 2023

Asked by Anonymous - Jul 01, 2023Hindi

Money

Sir, I have the following stocks. what to hold and what to exit. Aptus Value, Aarti Industries, Anand Rathi, Avenue Super mart, CE Info Syst, Data Patern, HDFC AMC, KBC Global

Ans: I have already answered this question

Latest Questions

Ramalingam Kalirajan |9150 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Asked by Anonymous - Jun 02, 2025Hindi

Money

Dear Sir, I want financial advise regarding retirement corpus. My earning is 2.5Lac per month and since I am 41 year old I can work next 10 years from now. I have been doing SIP of 50K for last few years and I have 30Lac in MF and 15Lac of Stocks. I have own house so my family monthly expenses currently are 50K/month. I have couple of real estate investment worth of 45Lac. Major future expense of future would be my kids education. SSY has been opted for daughter and 1.5lac yearly contribution is going there till 2030. I have covered with 20lac health insurance and 1cr life insurance. With PF, gratuity and NPS i would have around 50Lac now which should be increasing in my next 10 year working. What should be done in next 10 year to plan my retirement for real, if i expect life expectancy of 80 years?

Ans: Understanding Your Retirement Vision

You are 41 years old now.

Your monthly income is Rs 2.5 lakhs.

You wish to retire at age 51.

Your current expenses are Rs 50,000 monthly.

You already have some good investments.

You have no home loan burden.

Your daughter's SSY is being funded well.

You have insurance coverage in place.

Your goal is a peaceful retired life till 80.

This means planning for 30 years post-retirement.

Let’s now go step-by-step and plan for your full retirement.

Emergency and Risk Management

Your health cover is Rs 20 lakhs.

It should include your spouse too.

If not, buy a floater policy urgently.

Medical inflation is very high in India.

A cover of Rs 30 lakhs is better.

Don’t depend on employer health insurance.

Life insurance is for income protection.

You have Rs 1 crore term cover.

That’s enough for now, if dependents are few.

Don’t buy investment-linked insurance plans.

They give poor returns and high charges.

Current Investment Snapshot

SIP of Rs 50,000/month is very good.

You already have Rs 30 lakhs in mutual funds.

You also have Rs 15 lakhs in stocks.

Plus PF, NPS and gratuity of Rs 50 lakhs.

Real estate worth Rs 45 lakhs is there.

Expenses are low. So you have surplus monthly.

You are already ahead of most investors your age.
But to retire in 10 years, extra discipline is required.

Mutual Funds: Stay Committed with Guidance

Continue SIP of Rs 50,000 monthly.

Increase it by 10% every year.

Choose diversified equity funds for long term.

Use a Certified Financial Planner for selection.

Invest in regular plans, not direct funds.

Direct funds give no advice or rebalancing.

Regular funds help with goal tracking.

Invest through an MFD with CFP qualification.

Avoid index funds completely.
They just copy the market.
They don’t beat inflation by wide margins.
Actively managed funds select better stocks.
They outperform in uncertain or flat markets.

Stocks: Review and Filter

You have Rs 15 lakhs in stocks.

Ensure these are good quality businesses.

Sell any penny stocks or non-performing ones.

Shift that amount to mutual funds if needed.

Equity mutual funds manage risk better.

Fund managers rotate sectors smartly.

Stocks are for professionals. Stay cautious.

Retirement Corpus Estimation and Structure

You need a solid corpus for 30 years.

Your expenses today are Rs 50,000/month.

Adjusted for inflation, it doubles in 15 years.

So you need at least Rs 4 to 5 crores corpus.

That is the minimum. More is always better.

Let’s break the sources for that:

Sources Available Now

Mutual Funds: Rs 30 lakhs

Stocks: Rs 15 lakhs

PF + NPS + Gratuity: Rs 50 lakhs

SIP (Rs 50k/month for 10 years): Will grow strong

Real estate: Consider only for future selling, not returns

If SIPs continue properly and stocks perform reasonably,
you can reach around Rs 3 to 3.5 crores in 10 years.
PF and NPS might cross Rs 1 crore easily.
Total: Around Rs 4.5 crore to Rs 5 crore possible.
So your target is well within reach if no major disruption.

Action Plan for Next 10 Years

1. Increase SIP by 10% Yearly

From Rs 50k to Rs 80k in a few years.

Use salary hikes to step up SIPs.

2. Create Retirement Buckets

Use 3 buckets model after age 51.

Bucket 1: 5 years expenses in safe assets.

Bucket 2: 5 to 10 years in hybrid funds.

Bucket 3: Long term in equity mutual funds.

Withdraw from Bucket 1, refill from 2.

3. Start a PPF if not started

Use for safe allocation and tax savings.

Long-term wealth, tax-free maturity.

4. Don’t Stop Investing in NPS

It gives tax benefits.

Partial annuity is compulsory, but ignore that for now.

Focus on wealth-building side of NPS.

5. Track SIP Portfolio Yearly

Sit with a CFP every year.

Rebalance if one fund underperforms.

Shift to hybrid funds as retirement nears.

Avoid emotional decisions during market crash.

6. No More Real Estate Investment

Don’t add more property.

Returns are slow and exit is hard.

No rental income is reliable post-retirement.

Focus on liquid assets.

Children’s Education: Clear Planning

SSY is already in place for daughter.

Keep investing Rs 1.5 lakh every year.

Use mutual funds for higher education goal.

Create a separate SIP for this.

Don’t mix education and retirement corpus.

Tax Planning: Keep It Smart

Continue using 80C options with SSY and PPF.

Use NPS for 80CCD(1B) for extra Rs 50,000 deduction.

Don’t invest just for tax savings.

Aim for post-tax returns.

Mutual fund gains are taxed now like this:

LTCG on equity funds above Rs 1.25 lakh: 12.5%.

STCG on equity funds: 20%.

Debt fund gains taxed as per income slab.

So plan withdrawals wisely in retirement years.

After Retirement: Income Planning

Use mutual fund SWP option.

Start from hybrid or conservative funds.

Keep equity funds untouched for longer.

Withdraw only what you need.

Keep inflation in mind always.

Rebalance buckets every 3 years.

Avoid annuity products.
Returns are very low and taxable.
They lock your money unnecessarily.

Checklist for Yearly Review

Review SIPs and top-up amounts.

Monitor stock portfolio. Exit weak stocks.

Ensure health and life insurance is active.

Meet Certified Financial Planner every year.

Don’t experiment with new products.

Stick to your retirement plan always.

Finally

You are on track to retire peacefully.

Just 10 more years of smart investing.

You already have a strong base now.

SIPs will grow into big wealth slowly.

Don’t stop them at any cost.

Keep insurance updated every year.

Use guidance from CFP for every step.

Don’t try to do everything alone.

Review, rebalance, and stay patient.

Don’t add any more real estate assets.

Avoid direct stock risk without advisor.

Say no to annuities and endowment plans.

Stick with mutual funds and NPS.

By 51, you’ll be financially free.

From 52 to 80, you can live with pride.

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

Ramalingam Kalirajan |9150 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Asked by Anonymous - Jun 01, 2025Hindi

Money

I have 30 lakhs in GPF Account. Interest rate on this amount is 7 % pa. I want to withdraw it and invest it to get more returns. At the same I want safety also. I have already invested 10 L in Mutual fund through SIP and one time investment in different funds. Return is about 15%. Kindly advice me the right way of investment in different MF, FD and Share

Ans: Reviewing Your Current Investment Framework
You have Rs?30 lakh in GPF earning 7% interest.

You already invested Rs?10 lakh via SIPs and lump?sum in mutual funds.

That yields an average return of around 15% pa.

That is a good start and shows strong interest in investing.

Now you wish to redeploy GPF funds for higher returns and safety.

Clarifying Your Investment Goals
What are your goals for these funds?

Retirement, education, travel, or emergency reserve?

Are you planning medium (3–7 years) or long term (10+ years)?

Goal clarity helps in choosing suitable fund categories.

Evaluating Risk?Return Trade?Off
GPF gives safety but limited return at 7%.

Equity mutual funds give higher returns with volatility.

You are already in equity via SIP.

Your current 15% return means you tolerate equity fluctuations well.

Moving GPF to similar equity mix may improve returns but increase risk.

Adding debt or hybrid funds can enhance safety.

Asset Allocation Strategy for Rs?30 Lakh
We suggest a diversified allocation combining equity, hybrid, debt, and alternate assets:

1. Equity Funds (~50%) – Rs?15 lakh

Invest in actively managed large?cap and flexi?cap funds.

Add mid?cap or small?cap exposure gradually for higher growth.

Keep small?cap less than 20% of equity to control volatility.

2. Hybrid Funds (~20%) – Rs?6 lakh

Choose aggressive hybrid and multi?asset allocation schemes.

These combine equity and debt to smooth returns.

3. Debt Funds (~20%) – Rs?6 lakh

Use short?term or low?duration debt funds for safety and liquidity.

Acts as a buffer during market dips.

4. Liquid or Ultra?Short Debt (~5%) – Rs?1.5 lakh

To maintain liquidity for emergencies or better investment windows.

5. Gold-based Asset (~5%) – Rs?1.5 lakh

You already hold SGB via GPF funds.

Maintain total gold exposure at 5–7% of the portfolio.

This mix balances growth, volatility, and safety.

Why This Allocation Makes Sense
Equity funds aim to exceed 12–15% returns but with downturns.

Hybrid funds offer part?equity growth and part?debt stability.

Debt funds protect principal and provide regular income.

Liquid funds ensure quick access without returns compression.

Gold protects against inflation and acts as a safe haven.

Breakdown of Mutual Fund Categories
A. Large?Cap and Flexi?Cap Funds

Invest in top companies with stability and good growth potential.

Flexi?cap adds flexibility across market caps.

Actively managed funds can adjust during market drops.

B. Mid?Cap and Small?Cap Funds

Higher return potential but higher volatility.

Keep your small?cap exposure balanced.

Add only if your risk appetite allows and horizon is long.

C. Hybrid and Multi?Asset Funds

Equity cushion with debt downside protection automatically built?in.

Suitable between aggressive equity and conservative debt.

Simpler than managing multiple asset classes individually.

D. Short?Term Debt Funds

Ideal for holding periods up to 2–3 years.

Provides better returns than FD and less interest rate risk.

Taxed as per your income slab for short?term holdings.

E. Liquid / Ultra?Short Funds

Use for fund parking, upcoming payments, or emergency use.

Ideal for maintaining flexibility.

Why Actively Managed Funds Over Index Funds
Index funds simply mimic index costlessly.

They have no active decision?making in crashes.

They cannot exit sectors before a fall.

Actively managed funds have discretion to reduce loss.

Fund managers adjust exposure, select opportunities.

This improves resilience and potential returns.

Dangers of Direct Plans Without Advice
Direct plans save on expenses but lack guidance.

You bear all research, monitoring, and switching decisions.

Mistakes like poor fund choice or timing can reduce returns.

CFP-backed MFDs help with review, allocation, rebalancing.

They also assist with taxation, documentation, and discipline.

CFPlan for Your Withdrawal and Redeployment
Step 1: Withdraw from GPF in Tranches

Withdraw Rs?10 lakh every quarter over 9–12 months.

This rebalances interest loss against better return potential.

Helps in averaging entry levels into markets.

Step 2: Deploy Funds to Allocated Baskets

Invest the first tranche as per target allocation.

Stagger future tranches to hedge against market volatility.

Step 3: Continue and Track Your SIP and Lumps

Continue existing Rs?10 lakh investment.

Do not disrupt current funds.

Add the redeployed GPF amounts to complement them.

Step 4: Monitor Quarterly and Rebalance Annually

Equity may grow faster; adjust to keep allocation in check.

Hybrid funds cushion swings automatically.

Rebalance using new inflows or switches.

Incorporating Fixed Deposits and Safety
Fixed deposits can be used short?term when rates are high.

But FDs lack flexibility and tax efficiency.

Debt and high?quality hybrid funds are better.

If you still want FDs, keep max allocation at 10%.

Choose banks with high safety ratings and short maturities.

Tax Implications of This Strategy
Equity LTCG (>1 year): Gains above Rs?1.25 lakh taxed at 12.5%.

STCG (

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 23, 2025

Question by Devdat - Jun 23, 2025Hindi

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Would I prefer lpu cse with 50 percent scholarship for better placement Career

Ans: Hello Devdat,
You can accept the offer if you feel comfortable. Excel academically for better placement options.
Best of luck.
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Asked by Anonymous - Jun 23, 2025Hindi

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Hi i have got 410 marks in neet i am obc in karnataka can i get a seat in medical college

Ans: Hello dear.
Chances are slim to get a seat in either in GMC or semi-GMC. Explore other options.
Best of luck.
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Asked by Anonymous - Jun 23, 2025Hindi

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Sir My daughter got 93%in MH Cet and88%in jee . Want to select college in Mumbai and pune.pl suggest

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Career Counsellor - Answered on Jun 23, 2025

Question by Prince - Jun 23, 2025Hindi

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Sir I have any chance to get iiser at 69 mark obc NCL category

Ans: With 69 marks in the IISER Aptitude Test (IAT) under the OBC-NCL category, your chances of getting into an IISER are low to moderate. While the expected cutoff for OBC-NCL is generally around 95-105 marks, some IISERs, like Tirupati, Berhampur, and possibly others, might have lower cutoffs. However, 69 marks might be below the cutoff for most IISERs, especially the more competitive ones like IISER Pune or Kolkata.

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Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Question by Ghazanfar - Jun 16, 2025Hindi

Money

DOB entered in my LIC Jeevan Shri policy is 02/01/1962 whereas my actual DOB is 02/ 01/1960. All premiums are paid and policy is to mature in January 2027. Will there be any issue at the time of maturity? If yes, what should I do?

Ans: Identifying the Core Issue
Your policy photo shows DOB as 02/01/1962.

Your actual DOB is 02/01/1960.

The policy matures in January 2027.

This mismatch may cause confusion at maturity.

LIC may question your age at entry or maturity.

They may delay or adjust payout.

Potential Problems at Maturity
LIC assesses maturity based on policy date and age.

Incorrect DOB may trigger request for proof.

Verification delays are possible.

It may affect payable amount if age criteria differ.

Claim could be deferred pending correction.

A dispute could arise if underwriting terms vary by age.

Why Timely Correction Matters
Corrections during the policy term are simpler.

At maturity, LIC may demand proof and correction.

That may risk your payout timeline and convenience.

Avoiding delays preserves your financial planning.

Legal and Underwriting Perspective
LIC follows IRDAI norms and standard age documentation.

Update must use original proof like birth certificate, school records, or passport.

Age proof must be valid and consistent with actual date.

What You Should Do Now
1. Immediately Inform LIC

Visit the LIC branch office where policy was sold.

Write an application stating correct DOB.

Attach self-attested original documents:

Birth certificate or school leaving certificate.

Passport, PAN card, or Aadhaar.

2. Submit Application with Proofs

Clearly mention policy number and details.

Ask LIC to correct the DOB in records.

LIC will process under “endorsement and correction” procedure.

3. Follow Up Periodically

Keep a copy of acknowledgment receipt.

Visit branch after 15–30 days to check update status.

Ask for corrected policy document or endorsement certificate.

4. Keep Updated Documents

Once corrected, request updated policy

Ensure your maturity benefit is based on correct age data.

5. Minimise Risk of Dispute

Holding correct documentation reduces maturity time friction.

Avoid last-minute discrepancies causing unnecessary stress.

What Happens if You Don’t Correct Now
LIC may seek age proof at maturity.

Processing may get delayed by weeks/months.

Official payout may be reduced if age mismatch affects sums assured.

You may need to undergo extra paperwork or due diligence at maturity.

Post?Correction Actions
Ensure the corrected policy is reflected in your name.

Keep endorsement letter securely.

Include corrected document in financial plan.

Avoid future insurance or investment mismatches.

Integrating this into Your 360° Financial Plan
Insurance & Policy Governance

Age errors are common but fixable.

Timely correction reduces frustration.

Clean records align better with other investments.

Retirement & Liquidity Planning

January 2027 maturity may fund retirement or goals.

Ensure payout timing works with your plan.

Tax Considerations

Money received will be assessed as per maturity rules.

LIC doesn’t deduct tax at maturity.

But correct documentation avoids classification issues.

Final Insights
Mismatched DOB is fixable without surrender.

Fix it now by submitting application with proof.

Track status to ensure benefits at maturity are unhindered.

Proper documentation aids smooth maturity payout.

You can align this corrected policy with your overall financial plan.

You are proactive in seeking clarity. This action ensures secure maturity benefit and trust in your planning.

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

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Career Counsellor - Answered on Jun 23, 2025

Question by Vijay - Jun 23, 2025Hindi

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My son scored 97percentile in JEE main and Jee adv qualified and getting chance in RGIPT in mathematics and computing and NIT bhopal ECE, pls suggest which one Prefer RGIPT vs Bhopal Nit

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Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Asked by Anonymous - Jun 16, 2025Hindi

Money

I'm 30 years old and have a cloud kitchen where I earn around 40000 a month approximately or sometimes more than this. I'm married and my wife is a working women earns 20k a month , I do investment in sliver by purchasing coins or have gold but need to ask where I can invest more for my kids education and for my retirement I'm capable to invest 15k every month and ready to invest for long term bases.

Ans: You are 30 years old.

You run a cloud kitchen.

Your income is around Rs 40,000 a month.

Your wife earns Rs 20,000 a month.

You invest in silver coins and gold.

You want to invest for kids’ education and your retirement.

You are ready to invest Rs 15,000 every month.

You are focused on long-term investment.

You have taken the right step already. Thinking early about your future goals is wise. Now let's build a full financial plan with your situation in mind.

Start with Emergency Fund

Emergency fund is the first step.

It helps when there is no income.

You should have 6 months’ expenses saved.

Try to keep Rs 2.5 lakhs to Rs 3 lakhs.

Use liquid mutual funds or sweep-in FDs.

This money should not be in gold or silver.

Keep it easy to access, but not in savings.

Secure Health and Life

Health insurance is a must.

Take family floater for yourself and your wife.

Minimum cover of Rs 5 lakhs is advised.

Don’t depend only on employer’s insurance.

Medical expenses can spoil savings if ignored.

Life insurance is needed only if you have dependents.

Pure term insurance is the best.

Avoid money-back or endowment plans.

Premiums are low and coverage is high.

Cover should be 15 to 20 times your yearly income.

Don’t mix insurance and investment.

Silver and Gold: Good but Not Sufficient

You invest in silver and gold now.

These protect against inflation.

But they don’t give regular returns.

They don’t help in long-term wealth growth.

Their prices are also very volatile.

Don’t invest more than 10% in them.

Your focus should be long-term growth now.

Invest in Mutual Funds through Certified Financial Planner

Mutual funds are ideal for long-term goals.

They give inflation-beating returns.

For Rs 15,000 monthly, SIP is the best way.

Systematic Investment Plan gives discipline.

Start SIP in 3 or 4 good funds.

Pick different categories – equity, hybrid.

Mix of large, flexi-cap, and balanced funds.

Choose regular plans through a Certified Financial Planner.

Avoid direct funds, they don’t give guidance.

MFDs with CFP certification can help with reviews.

They help you track and rebalance yearly.

Why Not Direct Funds

Direct funds don’t give personalised advice.

You need to track and switch on your own.

Most people don’t review their investments.

Regular funds give value with expert support.

A Certified Financial Planner will create a proper strategy.

You will stay more disciplined with guidance.

Advice helps avoid panic during market falls.

Avoid Index Funds and ETFs

Index funds only follow the market.

They don’t beat the market.

Returns are average, not high.

They don’t have fund manager’s expertise.

Actively managed funds select better companies.

You need high growth, not average returns.

Index funds are passive, with no risk strategy.

For long-term goals like kids’ education or retirement, avoid them.

Investment Allocation – Based on Your Goals

For Kids’ Education:

Start SIP of Rs 7,000 monthly.

Invest in child-focused equity mutual funds.

Add hybrid funds for safety after 5 years.

Review every year with your planner.

Add lump sum whenever income is high.

For Retirement:

Start SIP of Rs 8,000 monthly.

Choose 2–3 high growth mutual funds.

Use flexi-cap and large & mid-cap funds.

Goal is to build wealth over 25–30 years.

Don’t stop SIP during market falls.

Add a PPF Account

PPF is good for stable long-term returns.

Invest Rs 1,000 to Rs 2,000 monthly.

Safe, tax-free, and government-backed.

Use it as a fallback retirement backup.

Don’t rely only on this for growth.

Use it with mutual funds, not alone.

Track and Rebalance

Once a year, review your investments.

Shift from risky to safe as goals near.

Use Certified Financial Planner to guide.

Rebalancing helps avoid big losses.

Don't do it emotionally. Do it smartly.

Avoid Investment Cum Insurance Products

Don’t buy ULIP or endowment plans.

They give poor returns.

Charges are high. Lock-in is long.

They look safe but give low growth.

You lose flexibility and transparency.

Only pure term insurance is needed.

Discipline and Long-Term Thinking

Don’t stop SIPs during bad months.

Market may fall but it recovers.

Stick to the plan for 10 to 25 years.

Keep increasing SIPs when income rises.

Even Rs 1,000 increase helps long term.

Celebrate milestones with discipline, not breaks.

Avoid Loans for Goals

Avoid loans for kids’ education.

Build funds early. Avoid education loan stress.

For retirement, don’t depend on children.

Build your own wealth. Be self-reliant.

Loans eat returns and peace of mind.

Track Expenses and Budget

Save before you spend.

Don’t wait till month-end to invest.

Budget your expenses weekly.

Keep lifestyle simple till goals are strong.

Avoid unnecessary credit card expenses.

Other Smart Habits to Follow

Write down your goals clearly.

Write target year and amount.

Share goal clarity with your wife too.

Financial teamwork helps a lot.

Talk about money once a month at home.

Teach kids about savings from early age.

Finally

You are on the right track already.

Thinking about future at 30 is wise.

Silver and gold alone are not enough.

Mutual funds will build real wealth.

Take help from a Certified Financial Planner.

Build a solid emergency fund.

Get health and term cover first.

Start SIPs now for kids’ education and retirement.

Don’t stop SIPs when income is low.

Use PPF for safe support, not as main plan.

Stay consistent for 10 to 25 years.

Track, rebalance, and review yearly.

Avoid index funds and direct funds.

Avoid real estate or investment insurance.

Focus on goals. Avoid shortcuts.

Keep increasing investment with income.

Future will be safe, stress-free and independent.

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

Prof Suvasish Mukhopadhyay |1566 Answers |Ask -Follow

Career Counsellor - Answered on Jun 23, 2025

Question by Prakash - Jun 23, 2025Hindi

Career

NIT Rourkela, CSE or IIT Bhubaneswar, Electrical Which one is better?

Ans: For most students, IIT Bhubaneswar, Electrical is generally preferred over NIT Rourkela, CSE. While both are excellent institutions, IITs generally hold a higher academic standing and prestige compared to NITs. IIT Bhubaneswar's Electrical Engineering program is well-regarded, and the institute boasts strong placement records. Best of luck. I am always there by the side of the children who need counselling. For placement of CSE branch don’t worry. I personally placed more than one students of CSE branch in reputed international companies. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

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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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