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Ramalingam

Ramalingam Kalirajan  |7047 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 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
samarendra Question by samarendra on Apr 22, 2024Hindi
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i am samarendra dey invested 2259000/ in sbi mutual fund {balance advantage fund500000/ on 31.8.21 , sbi multicap fund rs 200000/on28.8.22 , sbi long term equity fund rs. 150000/ on22.2.20, rs.150000/ on 15.12 21..rs.200000/on 15.12.21, rs. 200000 on 18.8.22, rs 200000/ on21.9.23. sbi megnum mediumduration fund rs.150000 on 25.6.20, rs.100000/ on 28.2.20 and rs200000/ on 17.1.20.sbi nifty50 equal wt. index fund rs.200000/on 29.1.24 now it is 3400000/ in total . what i do?

Ans: Given your current investment of 34 lakhs in SBI mutual funds, it's crucial to review your portfolio's performance and diversification. Check the fund's performance against its benchmark and peers. Consider rebalancing if any fund weightage has significantly increased or decreased from your initial allocation. It's also wise to consult a financial advisor for personalized guidance based on your financial goals and risk tolerance.
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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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

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Hi Myself Sanjeev Kumar from Himachal Pradesh, I am in mutual funds from last 3 years on below mutual funds 1. Aditya birla multicap fund (regular growth) ---- Rs 1000 monthly 2. Invesco India flexi Cap fund (Plan growth) ------ Rs 1000 monthly 3. Invesco India Multicap fund (regular growth) ---- Rs 1000 monthly 4. Kotak multicap fund (regular) ------------------------- Rs 1000 monthly 5. Kotak emerging equity fund (growth) --------------- Rs 1000 monthly 6. Kotak ELSS tax saver fund ------------------------------- Rs 500 monthly 7. Union tax saver fund (ELSS) ---------------------------- Rs 1500 monthly 8. Bandhan Nifty 200 momentum 30 index fund (regular plan) --- Rs 1000 monthly (started a month ago) Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPD ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Si/mam i want to ask is my portifoilio good enough to produce at least 60- 70 lakhs in next 10-12 years returns or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks
Ans: Hello;

Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

LIC policy maturity sum and NPD will be bonus.

Funds are good. No need to change.

Happy Investing;

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I am 21. I am a chronic overthinker. I am always thinking about what other people think about me or overanalysing situations and making things complicated. Is this a serious problem? What should I do?
Ans: Dear overthinker,

Thinking is a good trait to have, overthinking is not.

You literally have to STOP overthinking!!!

One way to overcome this is to stop thinking and become more action oriented. STOP analyzing everything in the head, put it on paper, there is something calming about putting thoughts on paper, writing them down with a pen and paper.
And then taking actions based on what you have written and no more thinking about it.

Indulge in physical activity, play a game which is more action oriented , this teaches you to be fully present in the moment, which helps you in being in the moment. Being fully present in the moment is what gets you out of overthinking.
Do meditate , I really can't enumerate all the benefits of meditation, what meditation does to people is beyond words.

There is a book called as, STOP OVERTHINKING by Nick Trenton, this book offers practical advice and exercises to help you break free from negative thoughts and worries. It provides evidence-based methods to combat overthinking and anxiety.

Another amazing book by Eckhart Tolle, "The Power of NOW", can help you.

There is no problem which can't be overcome, believe in yourself, you are more powerful than you think, the body and mind have to listen to you!!
What you think so you become, feed yourself the right thoughts and let the magic unfold.!!

All the best!!

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Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

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My manager is constantly manipulating his boss about me. Everyone in my team is aware that she is increasingly insecure about my success and feels threatened by me. She often gives incorrect and incomplete feedback due to which my manager feels that my manager is more efficient than I am. In the past, 4 people have quit or been foced to resign due to these politics. Should I also quit and move to another company or should I talk to the manager about this? Pls help
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When I was working in the corporate world, the oft repeated quote was, "people don't leave the company ,they leave bad bosses".
Your manager's boss is your super boss, rt? Can't you go and speak to him directly and put your concerns across?
I am sure the HR must have noticed that people are quitting and might have explored the reasons why they are doing so too, do check with them.
I fail to understand why women should not cooperate with each other. You can also explore the option of talking directly to the manager and telling her if your actions in any way have caused some misunderstanding and if she says yes then you are willing to clear them. Also tell her that you are not eyeing her post and you are just trying to do your job well. I did the same with one of my bosses, it worked for me, we became the best of friends, we are still in touch. You need to think which is your best option and choose one from all the possible solutions I have mentioned. You can always quit, that's the last option I feel..

Hoping you choose wisely..All the very best!!

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my son is 8 year old studying in Class 3 . The classes occus is in morning shift from 6.30 am to 1.30 PM . after comming from the scholl he tired and not able to study in night . plz suggest the Correct time table for the second shift school child so that we can manage his tiredness and keep improving him in balanced way.
Ans: Priya Madam,

You have not provided information regarding the number of hours your son sleeps.

(1) Given that your son is only 8 years old, it is important to ensure he gets a minimum of 8 hours of sleep at night and 2 hours in the afternoon. Sleeping hours can be reduced once he enters the 6th Standard.

(2) Ensure he receives a balanced diet and nutritious food to sustain his energy levels. (3) Encourage him to maintain regular water intake to prevent dehydration. (4) Facilitate opportunities for him to take regular breaks and engage in play. (5) A 3rd standard student can't study for extended periods. He should study for 25 to 30 minutes, followed by a 10 to 15-minute break after each 25-minute study session.

(6) I am providing this information for general awareness. Parents should refrain from physically assaulting their children to achieve compliance, as this can undermine their self-confidence. (7) They should engage in more polite and loving communication with the children. (8) Children frequently observe their parents and tend to emulate their actions. Ensure that the environment at home is tranquil. (9) Addiction to electronic gadgets may also result in fatigue. (10) Regarding the Study Planner, it has been previously stated that regardless of whether he studies in the morning or evening, he should engage in study sessions of 25 minutes followed by a 10-minute break after each session. He will not experience fatigue, and the output will be increased. Hope, this answer will help you, Madam.

All the BEST for Your Prosperous Son's 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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