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Ajit

Ajit Mishra  | Answer  |Ask -

Answered on Aug 01, 2020

DASARATHA Question by DASARATHA on Aug 01, 2020Hindi
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SBI LIFE, HDFC LIFE which are part of nifty next 50 promoted to nifty 50. Let me get clarification that the invested amount on above stocks will be redeemed and reinvested in other Junior 50 or the invested amount is left permanently on those stocks. If redeemed what do you say about SBI LIFE, HDFC LIFE? BUY/AVOID?

Ans: You can hold both the stocks for long term.

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Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Hello Sir, I am 25 years old and currently investing in the following funds for the last 2 years. 1. Uti Nifty 50 index (Rs.7500) 2. SBI Small Cap (Rs.4500). My goal is to create 10cr wealth and I am looking for 25-30 years of investment. Kindly review the funds and suggest if I need to make any adjustments to them or add any new funds in my portfolio. Thank you.
Ans: It's great to see your commitment to long-term wealth creation at such a young age. Let's review your current investments and explore potential adjustments or additions to align with your goal of creating a 10 crore wealth over 25-30 years.

Review of Current Investments
UTI Nifty 50 Index Fund
Objective: This fund aims to replicate the performance of the Nifty 50 index, providing exposure to the top 50 companies in the Indian equity market.
Diversification: Investing in an index fund like UTI Nifty 50 Index offers broad market exposure and diversification across various sectors.
Cost-Effective: Index funds generally have lower expense ratios compared to actively managed funds, making them cost-effective for long-term investing.
Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.
Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.
Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.

SBI Small Cap Fund
Objective: SBI Small Cap Fund invests primarily in small-cap companies with high growth potential. These companies may offer significant growth opportunities but also come with higher volatility.
High Growth Potential: Small-cap companies have the potential to outperform the broader market over the long term, making SBI Small Cap Fund suitable for aggressive investors with a long investment horizon.
Risk Consideration: It's important to note that small-cap funds can be more volatile and carry higher risk compared to large-cap or index funds.
Suggestions for Portfolio Adjustment/Addition
Consideration for Adjustments
Diversification: While your current portfolio offers exposure to large-cap and small-cap segments, you may consider adding funds from other categories to further diversify your portfolio.
Risk Management: Evaluate your risk tolerance and ensure that your portfolio is well-balanced to withstand market fluctuations over the long term.
Addition of Funds
Mid-Cap Fund: Consider adding a mid-cap fund to your portfolio to complement your large-cap and small-cap investments. Mid-cap funds offer a balance between growth potential and risk.
International Equity Fund: Explore opportunities for international diversification by investing in an international equity fund. This provides exposure to global markets and reduces geographical risk.
Conclusion
Your current investments in UTI Nifty 50 Index Fund and SBI Small Cap Fund reflect a balanced approach with exposure to both large-cap and small-cap segments of the market. However, to achieve your long-term goal of creating a 10 crore wealth over 25-30 years, consider diversifying your portfolio further by adding a mid-cap fund and exploring international equity opportunities. Remember to review your portfolio periodically and make adjustments as needed to stay on track towards your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

Nayagam P P  |8806 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

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Sir my sir got 95.30 percentile in mhcet. his domicile category is general B. Which colleges he might get for cse and allied branches
Ans: Vinod Sir, With a 95.30 percentile in MHT CET under the General B category and Maharashtra domicile, your son has excellent admission prospects at several reputable engineering colleges in Mumbai and Pune for Computer Science Engineering and allied branches. This percentile typically qualifies for assured admission at institutes whose General category cutoffs fall at or below this range. All listed colleges are AICTE-approved, NBA/NAAC-accredited, feature modern computing and AI/ML labs, experienced faculty, strong industry partnerships, and placement cells recording 75–92% branch-wise placements over the last three years. Thakur College of Engineering and Technology, Kandivali East, Mumbai. Rajiv Gandhi Institute of Technology, Andheri West, Mumbai. Vidyalankar Institute of Technology, Wadala, Mumbai. Xavier Institute of Engineering, Mahim, Mumbai. Vivekananda Education Society's Institute of Technology, Chembur, Mumbai. Atharva College of Engineering, Malad, Mumbai. Ramrao Adik Institute of Technology, Nerul, Mumbai. Bharati Vidyapeeth College of Engineering, Kharghar, Mumbai. Sardar Patel College of Engineering, Andheri, Mumbai. K.J. Somaiya Institute of Technology, Vidyavihar, Mumbai. MIT World Peace University, Kothrud, Pune. Pimpri Chinchwad College of Engineering, Pune. Vishwakarma Institute of Technology, Bibwewadi, Pune. Army Institute of Technology, Pune. Sinhgad College of Engineering, Vadgaon, Pune. Dr. D.Y. Patil Institute of Technology, Akurdi, Pune. MIT Academy of Engineering, Alandi, Pune. AISSMS College of Engineering, Pune. Pune Vidhyarthi Griha's College of Engineering, Pune. International Institute of Information Technology, Pune. JSPM Rajarshi Shahu College of Engineering, Tathawade, Pune. Vishwakarma Institute of Information Technology, Pune. D.Y. Patil College of Engineering, Pune. Bharati Vidyapeeth College of Engineering, Lavale, Pune. Cummins College of Engineering for Women, Pune.

Recommendation: Prioritise MIT World Peace University, Kothrud, Pune for its comprehensive CSE curriculum, modern AI/ML infrastructure and strong placement consistency averaging 85% with top-tier recruiters. Next, choose Thakur College of Engineering and Technology, Kandivali East, Mumbai for its balanced industry connections and reliable placement record. Then select Rajiv Gandhi Institute of Technology, Andheri West, Mumbai for its urban location and consistent accessibility. Consider Pimpri Chinchwad College of Engineering, Pune for its strong academic-industry partnerships, and finally opt for Vishwakarma Institute of Technology, Bibwewadi, Pune for its 86% placement rate, experienced faculty and established computing labs with consistent recruiter engagement. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8806 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

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Nayagam P P  |8806 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 14, 2025Hindi
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Hi Sir My Rank Is 87717 in Kcet Suggest Some Good College in Bengaluru For EEE or EC .Is it worth for waiting for last round?? Please reply as soon as possible
Ans: For a KCET rank of 87717 in the 2BG category, admission to top-tier Bangalore institutes for Electrical & Electronics Engineering (EEE) or Electronics & Communication Engineering (ECE) is unlikely. However, these ten AICTE-approved, NAAC/NBA-accredited colleges routinely close admissions beyond rank 80000, ensuring more chances of entry in EEE or ECE branches:

Alliance College of Engineering & Design, Anekal—EEE/ECE closing rank ~98 000
Dr. Ambedkar Institute of Technology, Bangalore—EEE cutoff ~109 783
Cambridge Institute of Technology, Kundana—ECE closing rank above 100 000
SJB Institute of Technology, Jalahalli—EEE/ECE closing rank ~100 802
East West Institute of Technology, BEL Layout—EEE/ECE closing rank ~84 824
Impact College of Engineering & Applied Sciences, Sahakar Nagar—ECE cutoff ~93 517
GSS Institute of Technology, Rajajinagar—EEE/ECE closing rank above 110 000
Acharya Institute of Technology, Soladevanahalli—CSE cutoff ~101 534 (expect EEE/ECE similar)
Ghousia Engineering College, Ramanagara—EEE cutoff ~122 952
S K S J T Institute of Engineering, JP Nagar—EEE/ECE closing rank ~154 144

Waiting for the last KCET counseling round is unlikely to open EEE/ECE seats in higher-ranked Bangalore colleges, given your current rank; seats in these branches generally close well before 80,000. Instead, secure one of the above guaranteed seats now, or explore state-level diploma-to-degree lateral-entry programs, part-time AICTE-approved evening engineering courses, or private-university B.E. programmes with higher closing ranks. Choose one of the above ten colleges immediately to lock your EEE or ECE seat rather than risk vacancies drying up in later rounds. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 15, 2025

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Sir Mh cet 83 percentile jee -89 percentile But 10+2 -maths fail Then exam 15-7-23 cbse board Result will publish -1-7/8/25 What Will do For CSE admission in Maharashtra Please guide me.
Ans: Having failed mathematics in 10+2 but securing an 83 percentile in MHT CET and 89 percentile in JEE Main creates a complex situation for B.Tech CSE admission in Maharashtra. The critical factor is the mathematics compartment exam scheduled for July 15, 2023, with results expected by August 17, 2025. MHT CET 2025 eligibility criteria mandate that candidates must have "passed HSC or equivalent examination with Physics and Mathematics as compulsory subjects" and obtained at least 45% marks in Physics, Chemistry, and Mathematics taken together (40% for reserved categories). Engineering colleges in Maharashtra cannot accept students with mathematics failure, as passing mathematics is essential for B.Tech eligibility. However, once the compartment exam is cleared, candidates receive a new marksheet without any compartment mention, making them eligible for admission provided they meet the minimum percentage requirements. The challenge lies in timing: MHT CET counseling for 2025 has already begun, with registration extended to July 14, 2025, and the first merit list might be released on July 15, 2025, which occurs before the compartment exam results are available.

Since MHT CET counselling will conclude before compartment results, explore direct admission options at private engineering colleges after clearing mathematics, or consider the next academic year's admission cycle for better college options with your strong CET and JEE percentiles. (If possible, try to contact MHT-CET Exam Conducting Authority either by personally visiting the office or by email or by phone to get this clarified further). All the BEST for 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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