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Ramalingam

Ramalingam Kalirajan  |1728 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 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 - Feb 22, 2024Hindi
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Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.

Ans: Please select diversified equity funds. In the long run, you need to exit from one sector to another if you select sectoral funds. In diversified equity funds, sector rotation will be taken care of by the fundmanger.
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  |1728 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Feb 22, 2024Hindi
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Hi. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.
Ans: let's focus on other mutual fund sectors excluding index funds and sectoral funds:

Large Cap Funds: These funds invest in established, large-cap companies known for their stability and consistent performance. They offer a blend of growth potential and stability, making them suitable for investors with a moderate risk appetite and a long-term investment horizon.
Multi-Cap Funds: Multi-cap funds provide flexibility by investing across companies of various market capitalizations, including large, mid, and small-cap. This diversification allows investors to capitalize on opportunities across different segments of the market, potentially maximizing returns over the long term.
Mid Cap Funds: Mid-cap funds focus on companies with medium market capitalization, offering higher growth potential compared to large caps. While they come with higher volatility, mid-cap funds can generate significant returns over the long term for investors willing to tolerate market fluctuations.
Small Cap Funds: Small-cap funds invest in companies with small market capitalization, known for their high growth potential. They are more volatile compared to large and mid-cap funds but can offer substantial returns over the long term for investors with a higher risk appetite.
Balanced Advantage Funds: These funds dynamically allocate assets between equity and debt based on market conditions. They offer downside protection during market downturns while participating in equity market upswings, providing a balanced approach to long-term investing.
By focusing on large-cap, multi-cap, mid-cap, small-cap, and balanced advantage funds, you can build a diversified mutual fund portfolio tailored to your long-term investment goals. Remember to regularly review your portfolio's performance and make adjustments as needed to stay on track towards achieving your financial objective

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Shekhar

Shekhar Kumar  |121 Answers  |Ask -

Leadership, HR Expert - Answered on May 09, 2024

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Hello i am a 20 year old male who is currently doing a course in automotive field. The college is private and providing me an ASDC NSQF level 6 certification i am also doing a side course related to EV vehicles in don bosco. My main concern is that will companines accept me and can i go abroad for job or studies with these certificates because i have done my 12th in commerce and then changed my field. Please could someone guide me. Shloud i change my line even though i am highly interested and my other main concern is will i able to earn a good living in this field if i pursue it further
Ans: It's great that you're pursuing a course in the automotive field and gaining additional certification related to EV vehicles. Companies in the automotive industry often value practical skills and certifications, especially those recognized by industry bodies like ASDC (Automotive Skills Development Council). Your ASDC NSQF Level 6 certification and additional training in EV vehicles can enhance your employability and make you attractive to potential employers. In many countries, there is a demand for skilled automotive technicians and engineers, including those with expertise in electric vehicles. With relevant certifications and skills, you may be eligible for job opportunities abroad. However, the specific requirements and visa regulations may vary depending on the country and employer. You should also research the job market and immigration policies of the countries you're interested in to understand the possibilities. The automotive industry offers diverse career opportunities, including roles in vehicle maintenance, repair, manufacturing, sales, and research. As the demand for electric vehicles continues to grow, there's a rising need for professionals with expertise in EV technology. By staying updated on industry trends, gaining practical experience, and continuously upgrading your skills, you can position yourself for a successful career with opportunities for advancement and competitive salaries. It's essential to consider your passion and interest in the automotive field when making career decisions. If you're genuinely enthusiastic about automotive technology and enjoy working with vehicles, pursuing a career in this field can be fulfilling and rewarding. Follow your passion, leverage your skills and certifications, and remain open to learning and growth opportunities along the way. 

Ultimately, your success in the automotive industry will depend on your dedication, willingness to learn, adaptability, and proactive approach to career development. Keep honing your skills, networking with industry professionals, and exploring avenues for advancement to maximize your potential in this dynamic and evolving field. If you're passionate about automotive technology and committed to excellence, there's a good chance you can build a rewarding and lucrative career in the industry.

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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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