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Reetika Sharma |628 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Sep 10, 2025

Reetika Sharma is a certified financial planner and CEO of F-Secure Solutions.
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more

Asked by Anonymous - Jul 14, 2025Hindi

Money

I am a retired. Government Employee . Now I am having 40 lakhs carpus fund with me. I am getting Rupees 75000.monthly pension. Which type of Mutual fund I can. Invest.

Ans: Hi,

Comgratulations on your retirement. As you are a retired Government employee and getting monthly pension of Rs. 75,000, I can assume that this amount is sufficient for your daily needs.
Also hope that you have a health insurance for your family to keep up with increased medical cost.

I understand you want to invest a lumpsum of 40 lakhs. Without a proper goal mentioned by you, I can suggest you to go for a mix of hybrid and large cap funds. This will prevent your amount from higher volatility and also increase it with time.

For the exact fund names, kindly get connected to a Certified Financial Planner - CFP and get started with your investments as this is the best time to invest.

Best Regards,
Reetika Sharma, CFP
https://www.instagram.com/cfpreetika/

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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Dear Sir, I can invest monthly Rs.12000/ upto next 20 years . So in which mutual fund I need to invest for my future. Currently I have investing PGIM mid cap Funds monthly around Rs.5000/ So I want to know for better.

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SUBRAMANIAN Asked on - Apr 14, 2024 I am 63 years old retired gov employee. I want to invest in mutual fund around rs 6000. Which one is best mf

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Hello Sir/Madam,i am a 24 yr old unmarried man and have newly joined in Govt services earning a net salary of 70k per month with an expense of 10k. I am planning to invest in mutual fund @5-7k per month initially. Plz Suggest me some good funds to invest in.

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I want to ask some mutual fund which you can suggest to invest.. also any plan in which I get monthly pension as income later by investing now. Thank you.

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Sir i have got 87200 rank in jee mains in obc category and 16965 rank aeee and 52k rank in viteee which college can i expect to get the admission please tell sir which counselling i should apply for.

Ans: Based on your scores, the best preference order would be Amrita counselling first, VIT counselling second and JoSAA/CSAB third. With AEEE rank 16,965, you may get lower-demand branches or campuses in Amrita Vishwa Vidyapeetham, which generally has a stronger academic reputation than many average private colleges. With VITEEE rank 52,000, you may get CSE-specialisations in VIT Bhopal University or VIT-AP University, or non-CSE branches in Vellore/Chennai under higher categories. With JEE Main OBC rank around 87,200, chances in top NITs/IIITs are very limited, though some GFTIs or CSAB special-round seats may still be possible. All the Best for Your Prosperous Future!

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I have secured 47674 rank in viteee.I am from West Bengal(gen category).I want suggestions regarding should i join ecse/ece in vit vellore/chennai or go for cse in vit bhopal/AP.I am under a little doubt if i am actually super interested in programming.

Ans: Ayushi, If you have doubt over your interest in programming, avoid going for it. At 47,674 VITEEE rank, prefer ECSE/ECE at VIT Vellore/Chennai over CSE at AP/Bhopal, if fees are acceptable. ECE also keeps options in VLSI, embedded systems, telecom, EVs and IT jobs. All the Best for Your Prosperous Future!

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Question by Himanshu - May 10, 2026Hindi

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Question by balaji - May 10, 2026Hindi

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Hi sir, my daughter got VIT-29700 and Amrita- 10800 rank. Just would like to know if there is possibility of VIT Vellore and chennai for CSE, CSE(S) and ECE branches(under any of the categories) and secondly in Amrita the same branches can be available in Bangalore, Coimbatore and chennai? Thanks in advance sir

Ans: Balaji Sir, For VITEEE rank 29,700, VIT Vellore CSE/CSE-specialisation is difficult, but may be possible only in higher fee categories if seats move; ECE Vellore is more realistic in higher categories. VIT Chennai gives better chances: CSE specialisation/ECE are possible, and CSE core may be difficult but worth filling. VIT fee categories rise with rank, from Category 1 lowest to Category 5 highest. For AEEE rank 10,800, Amrita Coimbatore CSE core is tough, but CSE specialisation/ECE may be possible in later/slab rounds. Bengaluru and Chennai campuses offer better chances for CSE-specialisation and ECE, with CSE core also possible depending on seat movement. If you wish and if possible, have 2-3 more backup options of reputed other private colleges too. All the Best for Your Daughter's Prosperous Future!

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Question by Nirmala - May 10, 2026Hindi

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My son jee rank 79 percentile in obc ncl. He got vit 34000 rank category 2 .and his bits first attempt results 83 marks sir please suggest me which collage is best for his for btec admission.

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Hello sir !my daughter got 28467 rank in viteee. What are the chances for her to get in vellore campus and also in Chennai campus? Pls tell which campus is better in terms of education and placement?

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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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