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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 18, 2022

Mutual Fund Expert... more
Sachin Question by Sachin on Nov 18, 2022Hindi
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Presently I don’t have any SIP investment. Have I missed the bus?

Ans: There is no good or bad times, starting early has compounding advantage, however even now it’s not late.

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

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Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.

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Nayagam P

Nayagam P P  |6786 Answers  |Ask -

Career Counsellor - Answered on Jun 22, 2025

Asked by Anonymous - Jun 21, 2025Hindi
Career
Sir,Iam getting comedk rank 9900 Rvce chemical engineering choice good or vit AP cse choice good
Ans: With a COMEDK rank of 9,900, you are eligible for Chemical Engineering at RV College of Engineering (RVCE), which is a top-ranked and highly reputed institution with NBA accreditation, strong research output, and a placement rate above 80% for Chemical Engineering, though core jobs are fewer and most placements are in IT and consulting. VIT-AP CSE offers a modern curriculum, 90% placement rate, and access to over 900 recruiters, with many IT and product companies, and an average package of ?7.2 lakh, making it highly attractive for tech-focused careers. If your primary interest is in computer science and IT sector placements, VIT-AP CSE is a better fit, as Chemical Engineering at RVCE, while prestigious, leads mainly to core and interdisciplinary roles with fewer tech opportunities. For backup, you can consider Dayananda Sagar College of Engineering, Bangalore Institute of Technology, Nitte Meenakshi Institute of Technology, and Acharya Institute of Technology for CSE or ECE, as these colleges accept COMEDK ranks up to 10,000 and offer strong placement records.

The recommendation is to prefer VIT-AP CSE for its strong IT placements and industry exposure, unless you have a strong interest in core chemical engineering; also, keep backup options like Dayananda Sagar College of Engineering or Bangalore Institute of Technology for CSE/ECE through COMEDK counselling. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 22, 2025

Asked by Anonymous - Jun 21, 2025Hindi
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Hi, i secured 93.45 percentile in mhtcet and i am from defobc category which college can i expect
Ans: With a 93.45 percentile in MHT CET under the DEFOBC category, you are eligible for CSE and allied branches in several reputable government and private engineering colleges in Maharashtra. For DEFOBCS, the 2024 cutoff for BE Computer Engineering at MES Wadia College of Engineering Pune was 85.44 percentile, and for Datta Meghe College of Engineering Navi Mumbai, it was 54.39, so your percentile is comfortably above these cutoffs. For the GOBCH (OBC Home University) category, CSE cutoffs in top Pune colleges like MES Wadia and similar institutions were around 93.08–93.38 percentile, suggesting you are right at the margin for these options. While CSE in the absolute top government colleges like COEP Pune and VJTI Mumbai remains out of reach (OBC cutoffs above 99.8 percentile), you have good chances for CSE, IT, or E&TC in mid-tier government and private colleges in Pune, Mumbai, and other regions, such as MES Wadia College of Engineering, Datta Meghe College of Engineering, Department of Technology Shivaji University, and Laxminarayan Institute of Technology. Mechanical and other core branches will be more easily available at these colleges.

The recommendation is to prioritize CSE or IT in MES Wadia College of Engineering Pune, Datta Meghe College of Engineering, or similar mid-tier government/private colleges, as your percentile is well above their DEFOBCS cutoffs, ensuring a good balance of academic quality and placement prospects. All the BEST for the Admission & a Prosperous 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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