Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on Mar 24, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Question by Krishnamurthy on Nov 29, 2023Hindi

Money

I have Rs. 10 lakhs that I can invest for three years and a further Rs. 5 lakhs that I need after one year. I am looking for safe but better than bank fixed deposit return. Can you kindly give specific suggestions?

Ans: Risk and return are directly related. Less risk = less return and vice versa
So if you want more returns than FD then you will be adding more risk to your portfolio
Since liquidity is most important in your case , you should stick to less risk and for the 5L you can add some debt funds and take the advantage if the rate of interest falls

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

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.

MoneyReply

You may like to see similar questions and answers below

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Feb 05, 2024

Asked by Anonymous - Jan 29, 2024Hindi

Money

I have 10 crores from selling a property .iwe are senior citizens .we want invest in good fixed deposit to get good monthly income or in govt bonds to get monthly income pl suggest

Ans: To have a regular income by investing a corpus of Rs. 10 crores, diversified investment options need to be considered so that your risk appetite is considered while maintaining the regular inflows. Investment in bonds and FDs will not be sufficient to cater to your needs as diversified investment options enable us to generate inflation-beating returns.

You can explore other options as well such as the Senior Citizen Savings Scheme, and Monthly Income Scheme (MIS) offered by the government. Furthermore, you can also invest in mutual funds and opt for a SWP (Systematic Withdrawal Plan) which provides regular inflows.

Remember, there's no one-size-fits-all solution. Carefully assess your needs and consult a financial advisor before making any investment decisions.

Moneywize | Answer |Ask -Follow

Financial Planner - Answered on Feb 03, 2024

Asked by Anonymous - Feb 02, 2024Hindi

Money

I have Rs 3.5 lakh and want to invest this amount for a period of 5 years. I can take low to moderate risk. What options would you suggest for me? I am expecting only moderate returns of up to 15-18% for my investments. What would you suggest for me if I want say higher returns in the range of 20-25%?

Ans: For a 5-year investment horizon with a preference for low to moderate risk, it's important to consider a well-diversified portfolio to balance potential returns and risks.

Here are some investment options based on your risk preferences:

• Low to Moderate Risk (Expecting returns of 15-18%):

1. Equity Mutual Funds:

Opt for large-cap or multi-cap equity mutual funds. These funds provide exposure to well-established companies and offer the potential for moderate returns. Choose funds with a consistent track record and a focus on risk management.

2. Balanced Funds:

Balanced funds, also known as hybrid funds, invest in a mix of equities and debt instruments. They provide a balance between growth and stability, making them suitable for investors with a moderate risk appetite.

3. Debt Mutual Funds:

Consider allocating a portion of your investment to debt mutual funds, particularly short to medium-term funds. These funds invest in fixed-income securities and can provide stable returns with lower volatility compared to equities.

4. Fixed Deposits (FDs):

Bank fixed deposits and corporate FDs offer capital protection and a fixed rate of return. While the returns may be relatively lower, they provide a stable and predictable income stream.

• Higher Risk (Expecting returns of 20-25%):

1. Mid and Small-Cap Equity Funds:

If you are willing to take on a higher level of risk, consider mid and small-cap equity funds. These funds invest in smaller companies with higher growth potential but come with increased volatility.

2. Sector-Specific Funds:

Allocate a small portion of your portfolio to sector-specific funds. These funds focus on specific industries like technology, healthcare, or banking, which may offer higher returns but come with sector-specific risks.

3. Unit Linked Insurance Plans (ULIPs):

ULIPs combine insurance with investment and offer the flexibility to invest in equity or debt funds. However, be mindful of the charges associated with ULIPs and thoroughly understand the terms and conditions.

4. Stocks:

Direct equity investment in individual stocks can potentially provide higher returns. However, stock market investments carry higher risk and require a good understanding of the market. Diversify your stock portfolio to manage risk.

5. Systematic Investment Plans (SIPs):

Consider investing in equity mutual funds through Systematic Investment Plans (SIPs). SIPs allow you to invest a fixed amount regularly, promoting disciplined investing and taking advantage of rupee cost averaging.

Before making any investment decisions, carefully assess your financial goals, risk tolerance, and investment horizon. Diversification across different asset classes can help manage risk. It's also advisable to consult with a financial advisor to create a personalised investment strategy based on your specific situation and goals.

Ramalingam Kalirajan |10881 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2024

Question by Raja - Apr 10, 2024Hindi

Money

Sir,what is the best secured return where i get monthly pay out into my account for an amount of say 28 lakhs. Can i choose Sriram unnati Fixed deposit (non banking) @ 8.05% for 36 months or FD of Canara bank @ 7.44 % for 444 days. Presently, i am getting 6.88% only in SBI FD Also, if i get some money of say 70 lakh from sale of land, where should i secure invest for the security of my family, where they get recurring income every month with best return.

Ans: Choosing between the Sriram Unnati Fixed Deposit and Canara Bank FD depends on your priorities and risk tolerance:

Sriram Unnati Fixed Deposit: Offers a higher interest rate of 8.05% for 36 months. It provides a relatively higher return but may involve higher risk compared to bank FDs due to being a non-banking institution. You need to ensure thoroughly and research the credibility, repaying capacity and reputation of Sriram Unnati before investing.

Canara Bank FD: Offers a lower interest rate of 7.44% for 444 days but is backed by the safety and security of a nationalized bank. It provides relatively lower returns but offers greater safety and stability.
For the lump sum amount from the sale of land, consider a diversified approach:

Debt Funds: Invest a portion in debt mutual funds, which offer relatively higher returns than traditional bank FDs while maintaining liquidity and stability.

Systematic Withdrawal Plan (SWP): Invest in a mix of debt funds or balanced funds and set up an SWP to receive regular monthly income. This provides flexibility and potentially higher returns than FDs.
Consult with a financial advisor to assess your risk tolerance, financial goals, and investment horizon before making any investment decisions. They can provide personalized recommendations tailored to your needs and help you build a diversified investment portfolio.

Ramalingam Kalirajan |10881 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Question by Harry - Apr 20, 2024Hindi

Money

Iam 38 and have 20 lakhs as my savings which I want to invest for 1,3,5 and 7 years. Please suggest appropriate as I'm willing to take risk but want good returns.

Ans: Investing with specific time horizons in mind is a smart approach. Here's a suggested investment strategy considering your willingness to take risks and aiming for good returns:

1-Year Investment (Short-term):
Liquid Funds: These funds offer stability and liquidity. They invest in short-term money market instruments. Given your short time horizon, liquid funds would be suitable as they offer better returns than savings accounts and are low-risk.
3-Year Investment (Medium-term):
Short-term Debt Funds or Ultra Short-term Funds: These funds invest in fixed-income securities with a maturity period of 1-3 years. They offer relatively higher returns than liquid funds and are less volatile than equity funds, making them a suitable choice for a 3-year horizon.
5-Year Investment (Medium to Long-term):
Balanced Funds or Hybrid Funds: These funds invest in a mix of equity and debt instruments. They offer potential for higher returns compared to debt funds while providing some cushion against market volatility. This combination could be ideal for a 5-year horizon.
7-Year Investment (Long-term):
Equity Mutual Funds: Given your willingness to take risks and the longer time horizon, equity funds would be appropriate.
Large Cap Funds: These funds invest predominantly in large-cap companies which are relatively stable and offer moderate returns.
Mid & Small Cap Funds: These funds invest in mid and small-cap companies which have the potential to offer higher returns but come with higher volatility.
Multi-Cap Funds: These funds provide diversification across market caps and offer flexibility to capitalize on market opportunities.
General Tips:

Diversification: Spread your investments across different asset classes and fund categories to reduce risk.
Regular Review: Periodically review your investments to ensure they align with your financial goals and adjust as necessary.
Risk Tolerance: While you're willing to take risks, ensure your investments align with your risk tolerance. Remember, higher returns come with higher volatility.
Lastly, it's advisable to consult with a Certified Financial Planner to tailor this strategy according to your specific financial situation, goals, and risk tolerance. They can provide personalized advice and help you navigate the complexities of investing.

Latest Questions

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 14, 2025

Asked by Anonymous - Dec 14, 2025Hindi

Career

Sir mene 2024 me inter pass kiya h or 2024 me jee mains or na hi jee advanced de paya but mene 2025 me jee mains or jee advanced diya h to kya 2026 me jee advanced de skta hu

Ans: Haan, aap 2026 me JEE Advanced de sakte ho

Nayagam P P |10854 Answers |Ask -Follow

Career Counsellor - Answered on Dec 14, 2025

Asked by Anonymous - Dec 12, 2025Hindi

Career

Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.

Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 14, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Sir maine 2024 me 12 pass Kiya aur kya 75% se kam rah gaye to kya mai 2025 me nios ka exam dekar 75%+ jee mains de sakta hu jabki maine abhi koi attempt nahi diye jee mains ke aur advance me kitne attempt milenge sir

Ans: Your query has already been replied to you. Please copy and paste the following link in your browser to read it again - https://gurus.rediff.com/hi/question/qdtl/career/given-12th-xam-first-2024-unable-score-75-percentage-gave/5244427

Good luck.
Follow me if you receive this reply.
Radheshyam

Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 14, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Sir namaste maine 2024 me12th pass Kiya aur 75% se kam marks aaye to kya 2026 me nios ka exam dekar jee mains de sakta hu aur jee advance me kitne attempt milenge

Ans: Your query has already been replied to you. Please copy and paste the following link in your browser to read it again - https://gurus.rediff.com/hi/question/qdtl/career/given-12th-xam-first-2024-unable-score-75-percentage-gave/5244427

Good luck.
Follow me if you receive this reply.
Radheshyam

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 14, 2025

Question by Rahul - Dec 14, 2025Hindi

Career

Sir I have registered for jee main january attempt as a general category student but now I have a ews catagory certificate..So can I apply this certificate in the jee main 2026 april attempt?

Ans: Yes — you can apply your EWS certificate in the JEE Main 2026 April attempt,

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025

Career

Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure

Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

Dr Dipankar Dutta |1841 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Question by Ashish - Dec 13, 2025Hindi

Career

Namaste sir , maine 2024 me 12 pass Kiya aur mai 75% nahi la paya to kya mai 2026 me nios exam dekar jee mains de sakta hu aur jee advance ke liye kitne attempt milenge

Ans: JEE Main ke liye 12th pass hona hi kaafi hai, 75% criteria sirf NIT / IIT / IIIT / GFTI admission ke liye hota hai.

NIOS ek valid board hai (CBSE ke barabar maana jata hai).

Agar aap 2026 me NIOS se 12th pass kar lete ho, to:

Aap 2026, 2027, 2028 me JEE Main de sakte ho.

Mayank Chandel |2575 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 13, 2025

Question by Sudhir - Nov 18, 2025Hindi

Career

Hello My son will be completing his tenth this year and wish to appear for NEET. We reside at Andheri-Mumbai. Can you please suggest good coaching institutes for the same near by based on overall performance , teacher quality and process of coaching

Ans: Hello Sudhir Ji
it will be very difficult for me to suggest on this.

Radheshyam Zanwar |6744 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 13, 2025Hindi

Career

Mai bihar board se 10 or 12 kiya hu or jee main bhi diya mera cutoff clear nhi hua or 3 attempt khatam ho gya hai kya mai ab nios board se fir se 12 complete karke jee main or advanced de sakta hu koe problem hogi kya

Ans: Yes, you can complete 12th again from NIOS and appear for JEE Main, but JEE Advanced has age, attempt, and year-of-passing restrictions, so eligibility for JEE (Adv) may still be an issue.

Honest opinion & suggestion - Even after 3 failed trials, why are you running behind JEE? It would be better to appear for the state-level engineering examination. Get admission to your preferred college and branch. Complete your undergraduate degree. While pursuing UG, appear for GATE. Crack it. With a high score, you can get admission to PG @ IIT. The dream of IIT can be easily fulfilled via this route. There is no sense in appearing for JEE again, especially after completing 12th @ NIOS board. It is just a waste of time, money, and effort.

The final decision will be yours! Only I can suggest.

Good luck.
Follow me if you receive this reply.
Radheshyam

Mayank Chandel |2575 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 13, 2025

Question by Saroja - Dec 12, 2025Hindi

Career

My son has passed 12th board exam in the year 2024. Is he eligible to appear JEE Main in Jan or Apr 2027 ?

Ans: Hello Saroja
Student can appear JEE-Mains for three years starting from his 12th appeared year. So the answer for your is NO.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x