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Ramalingam Kalirajan |8027 Answers |Ask -Follow

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

Question by samarendra on Apr 22, 2024Hindi

Money

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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Question by anindya - May 25, 2021Hindi

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Following are my investments: SBI Magnum Global Fund - Regular Plan – Growth (M0nthly) 2000.00 P.M SBI Focused Equity Fund Regular Growth (Monthly) 3000.00 P.M SBI Magnum Multicap Fund - Regular Plan – Growth (Monthly) 3000.00 P.M SBI Blue Chip Fund - Regular Plan – Growth (Monthly) 2000.00 P.M SBI Equity Hybrid Fund Regular Growth (Monthly) 3000.00 P.M SBI Dual Advantage Fund - Series XXVIII - Direct – (one time) 50000.00 SBI Equity Hybrid Fund Regular Growth (One Time) 150000.00 Please guide me.

Ans: Continue with 1, 2, 4, 6. Switch Multicap to UTI Flexi Cap Fund – Growth, and Hybrid Equity to Motilal Oswal Equity Hybrid Fund – Growth

Ramalingam Kalirajan |8027 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Question by Anand - Jan 28, 2024Hindi

Money

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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Mutual Funds, Financial Planning Expert - Answered on Apr 13, 2024

Question by Gambhir - Apr 13, 2024Hindi

Money

Hi Sir I have invested 1. Aditya Birla Flexi cap 1Lac. 2.Adity Birla PSU Fund- 1Lac. 3.ICICI Large &Mid Cap Fund - 1Lac. 4.ICICI Value Disc- 1Lac. 5.Nippon Growth Fund - 3 Lac. 6.Nippon Large Cap. -1 Lac. 7.Nippon Multi Cap -1Lac. 8.Nippon Pharma -1 Lac. 9.Nippon Power &Infra-1Lsc 10.Quant Active Fund -1lac. 11.Quant ELSS -1.5Lac 12.Quant Infra -1Lac 13Quant Mid Cap -1Lac 14 SBI Contra -1Lac 15.SBI Large &MidCap 1Lac (1 to 15 are Lumsum investment for 5 years or more) 1.Nippon Small Cap SIP- 10000. 2.Quant Small Cap SIP -10000 3.ICICI Nifty LargeMid Cap SIP - 10000. All investments have done in March &April 2024. Please advise.

Ans: You've built a diversified portfolio across various fund categories, which is good. However, it's also crucial to monitor and review your investments regularly. Given your investments' recency, it's essential to give them time to grow.

Consider consolidating similar funds to avoid redundancy, which could simplify tracking and reduce overlapping holdings. Given the number of funds, there might be overlapping sectors or stocks across schemes.

Regularly review the performance of each fund and its alignment with your financial goals. Consider rebalancing if any fund deviates significantly from its peers or your investment objectives. Consult a financial advisor for personalized advice tailored to your financial goals and risk tolerance.

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Question by Sanjeev - Oct 04, 2024Hindi

Money

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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Asked by Anonymous - Feb 23, 2025Hindi

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Hi my son is a CBSE class 12th student... And he want to study B.Sc Biotechnology in India...Suggest some of the best colleges

Ans: Hello dear.
Here are the names of some colleges: (1) Indian Institutes of Technology (IITs)- Roorkee, Guwahati (2) University of Delhi (DU) - Acharya Narendra Dev College, Gargi College, Miranda House, Sri Venkateswara College (3) Banaras Hindu University (BHU), Varanasi (4) Christ University, Bangalore (5) Amity University, Noida (6) St. Xavier’s College, Mumbai & Kolkata (7) Savitribai Phule Pune University, Pune (8) Vellore Institute of Technology (VIT), Vellore (9) Manipal Academy of Higher Education (MAHE), Manipal (10) Madras Christian College (MCC), Chennai
Admission in some universities is (1) based on 12th Marks (2) via entrance tests (3) or direct admission i.e. private universities & management quota.
For details, visit the official websites of all the above-mentioned universities.

Follow me if you are satisfied with the reply. Else ask again without hesitation,
Thanks
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Question by Priyesh - Feb 23, 2025Hindi

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I got 99.56 in jee mains 2025 l am obc ncl male can i get cse in niit trichy warangal suratkal

Ans: Hello Priyesh.
Congratulations for scoring 99.56 %tile in JEE.
You will get CSE @ NIT.
Best of luck for your upcoming future.

Please follow me, if you are satisfied with the reply.
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Ans: Hello dear.
With a score of 93.98, you can get admission to any one of the IIITs. Chance for Pune is there but low @ Hyd & Allahabad.

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Hi Sir, My son studied IGCSE and completed 10th standard. He is pursuing commerce stream. After 12th standard, we are looking for BBA or integrated MBA through IPMAT. My question is should i continue Cambridge A&AS Level or shift him to ICE or it fo not matter much. He is good in studies. Kindly advise.

Ans: Hello dear.
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Hello sir, My son is appearing for ICSE exam this year ie 2025, I want him to join isii data science course after +2, can you please suggest how to prepare him for the data science entrance exam for next two years.

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If you like the reply, pl follow me else ask again without any hesitation.
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Question by Amudha - Feb 23, 2025Hindi

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My Daughter has got 94.5 Percentile in Jan2025 JEE.we belongs to OBC NCL from Tamilnadu.will she get ECE in South based NITs or any IIITMs?

Ans: Hello Amudha.
With a score of 94.5 %tile and OBC-NCL difficult to get a seat in NITs at least in 1st round in Tamilnadu. But surely, she may get admission to IIITMs.

If you like the reply, pl follow me else ask again without any hesitation. Thanks, Radheshyam.

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Sir my son got jee mains percentile 98.88.Did he have any chance to get seat in tair one NITs CSC?

Ans: Hello Manvanth,
Yes. Your son has a bright chance to get CSE @ NIT tier 1

If you like the reply, pl follow me else ask again without any hesitation. Thanks, Radheshyam.

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Question by Sanjiv - Feb 23, 2025Hindi

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My son got 99.30 in jee mains 2025 under haryana state.Can he get CSE in nit.

Ans: Hello Sanjiv
Yes. Your son has a bright chance to get CSE @ NIT

If you like the reply, pl follow me else ask again without any hesitation. Thanks, Radheshyam.

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Question by Sanjiv - Feb 23, 2025Hindi

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My son got 99.30 in jee mains 2025 under haryana state.Can he get CSE in nit.

Ans: Hello Sanjiv
Yes. Your son has a bright chance to get CSE @ NIT

If you like the reply, pl follow me else ask again without any hesitation. Thanks, Radheshyam.

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Question by Essam - Feb 23, 2025Hindi

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Can I get any branch at any nit at 93.7%ile, gen male? If not what are my best options

Ans: Hello Essam.
With 93.7 %tile, very difficult to get any NIT. For better options, please take JEE Main 2nd attempt, BIT-SAT, and your state-level engineering entrance test. Pl, contact me again when you have all the results in your hand for better suggestions.

If you like the reply, pl follow me else ask again without any hesitation. Thanks, Radheshyam.

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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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