Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 09, 2025

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
Asked by Anonymous - Jun 06, 2025
Money

Scheme Name SIP AMOUNT CURRENT VALUE Aditya Birla Sun Life Flexi Cap Fund (G) 2500 88900 Axis ELSS Tax Saver Fund - Growth SIP STOP 321800 Bajaj Finserv Flexi Cap Fund - Regular Plan - Growth 1500 11200 Groww Nifty 500 Momentum 50 ETF FOF - Direct Plan - Growth 500 1000 Groww Nifty Smallcap 250 Index Fund - Direct Plan - Growth 1000 2200 HDFC Business Cycle Fund - Regular Plan (G) 1000 36500 HDFC Manufacturing Fund - Regular Plan - Growth SIP STOP 15900 ICICI Prudential Energy Opportunities Fund - Regular Plan - Growth 2000 20900 Kotak Emerging Equity Scheme - Regular Plan (G) 2000 82000 Kotak Tax Saver - Regular Plan (G) SIP STOP 26300 Mirae Asset Large & Midcap Fund - Growth 2500 73300 Motilal Oswal Flexi Cap Fund - Direct Plan (G) 3000 12700 Motilal Oswal Large and Midcap Fund - Regular Plan (G) 4000 4400 Nippon India Small Cap Fund (G) 2000 66400 Parag Parikh Flexi Cap Fund - Direct Plan (G) 2000 6200 Parag Parikh Flexi Cap Fund - Regular Plan (G) 5000 5100 WhiteOak Capital Mid Cap Fund - Regular Plan - (G) 1000 16000 total sip 30000/- pm , and total current value is 790000/- , plz see my portfolio and suggest me that its need any change or its ok, i want 2CR in 15 years

Ans: You have shown a disciplined approach. A monthly SIP of Rs. 30,000 is a strong commitment. Your target of Rs. 2 Crore in 15 years is practical. But the way your current portfolio is built needs review. Let's understand your investments with clarity.

Overall Portfolio Structure Review

You are investing in too many schemes at once.

Diversification is good. But over-diversification leads to average returns.

A focused portfolio gives more clarity and better long-term growth.

Some schemes are overlapping in investment style. That reduces uniqueness.

Too many funds make portfolio hard to track and manage.

Over 15 mutual fund schemes is too much for Rs. 30,000 SIP.

You are using both direct and regular plans. That’s not good.

Mixing direct and regular plans reduces overall performance tracking.

Some funds are also in ETF and index format. That needs caution.

Let's now look deeper into specific categories used in the portfolio.

Issue with Direct Plans in the Portfolio

You have direct plans in your portfolio.

Direct plans do not offer guidance or review.

They may seem low cost. But poor choices harm returns.

You may hold the wrong fund for your risk profile.

You may miss timely rebalancing. That hurts performance.

Regular plans through Certified Financial Planner add value.

You get professional fund tracking and goal alignment.

CFP helps you in tax optimisation, withdrawals and fund switch.

A regular plan with CFP is cost-effective over long term.

I strongly suggest to exit direct plans and move to regular ones.

Problems with Index and ETF Funds in Portfolio

You are holding index-based funds and ETF-based funds.

These are passive funds that copy market performance.

They don’t protect you in volatile or falling markets.

They give no strategy during market downturn.

They also don’t adjust based on sector trends.

You miss the benefit of expert fund manager thinking.

Actively managed funds are smarter.

Fund managers choose sectors and stocks actively.

That helps avoid poor performers and focus on leaders.

In long term, actively managed funds give better risk-adjusted returns.

So you should exit index funds and ETF-type schemes.

ELSS and Tax Saving Fund Review

You have more than one ELSS in the portfolio.

ELSS is good for tax saving under 80C.

But you don’t need more than one ELSS fund.

Multiple tax saving funds give no extra tax benefit.

They block your money for 3 years with no added value.

Choose one good ELSS fund under regular plan with CFP guidance.

Rest of the SIP should go to long-term diversified mutual funds.

Sector and Theme Based Fund Exposure

You have sector funds like energy, manufacturing and business cycle.

These funds are risky and volatile.

They do not work well in all phases of market.

These need strong timing and sector knowledge.

Not suitable for long-term goal like Rs. 2 Crore corpus.

Best to exit these sector funds step by step.

Shift SIP into diversified actively managed funds with better stability.

Flexi Cap and Large & Midcap Fund Exposure

You are investing in multiple flexi cap funds.

Flexi cap funds offer dynamic allocation flexibility.

But having too many of them is not useful.

You may have duplication in stock holding.

Choose 1 or 2 flexi cap funds managed under regular plan.

Combine this with 1 large and midcap fund.

It is enough to give core portfolio strength.

Midcap and Smallcap Exposure Review

Your portfolio has midcap and smallcap funds.

These are needed for wealth creation. But must be balanced.

Right now, exposure looks too high in smallcap.

Smallcap returns are volatile and take time to recover.

A Certified Financial Planner can help balance this allocation.

You need higher allocation to largecap and diversified funds.

That gives steady growth and risk protection.

Portfolio Structuring for Target of Rs. 2 Crore

You need average returns between 12% to 14% yearly.

To achieve this, your funds must be of good quality.

Fund consistency matters more than past performance.

You need a focused and goal-linked portfolio now.

Start with 5 to 6 well-managed mutual funds only.

All should be under regular plan with CFP tracking.

These must be reviewed at least once in 6 months.

You must also increase SIP by 10% yearly if possible.

Suggestions to Clean and Optimise Portfolio

Stop SIPs in sector, thematic, and passive funds.

Exit direct plans and move to same funds in regular plan.

Keep only one ELSS fund for tax saving.

Choose 2 flexi cap funds and 1 large & midcap fund.

Add 1 midcap and 1 smallcap fund based on CFP advice.

Keep total fund count under 6 or 7.

All SIPs should be monitored by Certified Financial Planner.

Don't invest in funds based on social media or trends.

Each fund must have a clear purpose in your goal.

Monitor, Review, and Rebalance Periodically

SIP is not a one-time setup.

You must review your funds at least every 6 months.

Market conditions and fund performance change.

Rebalancing helps keep your plan on track.

Stop underperforming funds. Add to good ones.

A Certified Financial Planner tracks this for you.

That ensures your Rs. 2 Crore goal stays achievable.

Other Financial Planning Areas You Must Review

Keep an emergency fund of at least 6 months expenses.

Buy a pure term insurance. Keep sum assured 10 times annual income.

Buy health insurance if not already done.

Avoid investing in ULIPs, traditional policies, or annuities.

Don't mix insurance and investment.

All investment should be under your or family member's name.

Also create a WILL for smoother transfer later.

Nominee details in mutual funds must be updated.

Don’t use bank agents or online portals for advice.

Always prefer Certified Financial Planner for 360-degree solution.

Finally

You are already on the right path.

But your portfolio is scattered and unfocused.

Direct funds, ETF funds and sectoral funds must be reviewed.

Move to quality, actively managed mutual funds in regular plan.

Keep portfolio simple, structured, and professionally monitored.

Track your progress yearly with guidance of Certified Financial Planner.

With right changes, your Rs. 2 Crore goal is achievable in 15 years.

Stay disciplined and follow a well-planned investment approach.

Your future wealth depends on how well you act now.

Focus on quality, guidance and goal tracking, not quantity of funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Jun 09, 2025 | Answered on Jun 09, 2025
sir, i have already stoped all ELSS sip of rs 4500/pm ( Axis and Kotak = total current mkt value is 348000/-) and start new sip of 4500/pm in flexicap. further i want to add more sip amount in flexi and large cap, no addition in miscap or small cap, is this good strategy?
Ans: Yes, your new strategy is very good and smart.

Stopping ELSS SIPs was correct. You already have the tax-saving benefit.

Adding Rs. 4,500 SIP in flexicap is suitable for long-term growth.

Increasing SIPs in flexicap and largecap will bring more stability and steady returns.

Avoiding new SIPs in midcap and smallcap keeps risk in control.

Keep portfolio under 6–7 funds total, and review every 6 months.

You are now aligning your investments better with your Rs. 2 crore goal. Well done!

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Jun 27, 2025 | Answered on Jun 27, 2025
i want to sift Axis & kotak ELss of rs.3.48L invest in other scheme like Flexi or Multi? it will be smart move or stays in existing scheme. ?
Ans: Yes, shifting the Rs. 3.48L from ELSS to flexicap or multicap is a smart move. ELSS is locked for 3 years, but after lock-in, there is no extra benefit. Redeeming and reallocating to diversified funds gives better long-term potential.

However, for scheme-specific recommendation, please contact an MFD-CFP one-on-one.
You can contact me if needed by using the website link in the below signature.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 11, 2024

Money
Sir, I am 44 year old and want to retire after 15 years with 20 cr. value in current investing 1.55L in MF SIP in these fund ADITYA BIRLA SUN LIFE PSU EQUITY FUND - DIRECT PLAN 5000 AXIS BLUECHIP FUND - DIRECT PLAN 0 AXIS MIDCAP FUND - DIRECT PLAN 0 AXIS SMALL CAP FUND - DIRECT PLAN 4000 CANARA ROBECO BLUECHIP EQUITY FUND - DIRECT PLAN 12000 HDFC MULTI CAP FUND - DIRECT PLAN 3000 ICICI PRUDENTIAL BHARAT 22 FOF - DIRECT PLAN 5000 ICICI PRUDENTIAL NIFTY NEXT 50 INDEX FUND - DIRECT PLAN 3000 KOTAK MULTICAP FUND - DIRECT PLAN 4000 MIRAE ASSET LARGE CAP FUND - DIRECT PLAN 4000 MOTILAL OSWAL MIDCAP FUND - DIRECT PLAN 6000 MOTILAL OSWAL NIFTY INDIA DEFENCE INDEX FUND - DIRECT PLAN 10000 NIPPON INDIA LARGE CAP FUND - DIRECT PLAN 10000 NIPPON INDIA MULTI CAP FUND - DIRECT PLAN 4000 NIPPON INDIA SMALL CAP FUND - DIRECT PLAN 5000 PARAG PARIKH FLEXI CAP FUND - DIRECT PLAN 6000 PGIM INDIA FLEXI CAP FUND - DIRECT PLAN 6000 PGIM INDIA MIDCAP OPPORTUNITIES FUND - DIRECT PLAN 4000 QUANT ELSS TAX SAVER FUND - DIRECT PLAN 12500 QUANT INFRASTRUCTURE FUND - DIRECT PLAN 7000 QUANT LARGE AND MID CAP FUND - DIRECT PLAN 6000 QUANT MID CAP FUND - DIRECT PLAN 12000 QUANT SMALL CAP FUND - DIRECT PLAN 7000 SBI CONTRA FUND - DIRECT PLAN 8000 TATA SMALL CAP FUND - DIRECT PLAN 6000 ZERODHA NIFTY LARGEMIDCAP 250 INDEX FUND - DIRECT PLAN 2500 I feel that i am investing in too much fund . Kindly look my above portfolio and suggest to addition and change from these schemes to achieve the mentioned retirement target of 20 Cr. MF. Portfolio after 15 years.
Ans: Assessing Your Current Investment Portfolio
You've established a clear financial goal: accumulating Rs 20 crore by the time you retire in 15 years. To achieve this, you're currently investing Rs 1.55 lakh per month through SIPs in mutual funds. This commitment shows you're serious about your future and willing to take the necessary steps to secure it. However, the number of funds in your portfolio suggests you may be spreading your investments too thin, which could hinder your progress.

Understanding Over-Diversification
Diversification is a cornerstone of investing. It reduces risk by spreading investments across various assets or funds. However, over-diversification occurs when too many investments are made in similar funds or asset classes. This dilutes potential returns and complicates portfolio management. Your portfolio consists of 27 different funds, which is excessive.

The Dangers of Over-Diversification
Fund Overlap: Many funds in your portfolio likely invest in the same or similar stocks, leading to unnecessary redundancy. This doesn’t enhance diversification but rather makes it harder for you to see significant returns.

Management Complexity: With 27 funds, it’s challenging to track each one’s performance. This complexity makes it difficult to make timely adjustments to your portfolio, which is crucial for achieving your long-term goals.

Diluted Returns: When you invest in too many funds, the performance of your best-performing funds gets diluted by the average or poor performance of others. This can drag down your overall returns.

The Need for Streamlining Your Portfolio
To achieve your goal of Rs 20 crore in 15 years, it’s essential to streamline your portfolio. A focused approach will allow you to benefit from the growth potential of carefully selected funds without the drawbacks of over-diversification.

1. Large-Cap Funds: Foundation of Stability and Growth
Current Allocation: You have several large-cap funds in your portfolio, which are known for their stability and lower volatility compared to mid-cap and small-cap funds. However, holding multiple large-cap funds is unnecessary as they often invest in the same blue-chip companies.

Recommended Action: Consolidate your large-cap investments into one or two well-performing funds. This will simplify your portfolio and ensure that your investments are concentrated in the best opportunities within the large-cap space.

Suggested Allocation: Ideally, 25-30% of your portfolio should be allocated to large-cap funds. This allocation provides stability and consistent growth potential, crucial for someone planning retirement in 15 years.

2. Mid-Cap and Small-Cap Funds: Growth Drivers
Current Allocation: Mid-cap and small-cap funds are essential for achieving high growth. However, these funds come with higher risk and volatility. Your portfolio includes multiple mid-cap and small-cap funds, which may lead to overlapping investments.

Recommended Action: Narrow down your mid-cap and small-cap funds to one or two top performers in each category. Focus on funds that have a consistent track record of outperforming their benchmarks.

Suggested Allocation: Allocate 30-40% of your portfolio to a mix of mid-cap and small-cap funds. This will provide the growth potential needed to reach your Rs 20 crore goal while managing the risk associated with these funds.

3. Multi-Cap and Flexi-Cap Funds: Balanced Growth with Flexibility
Current Allocation: Multi-cap and flexi-cap funds offer flexibility by investing across different market capitalizations. Your portfolio has several of these funds, which is a good strategy for diversification. However, having too many can dilute their benefits.

Recommended Action: Consolidate your multi-cap and flexi-cap funds into one or two that have demonstrated consistent performance. These funds should have the ability to adjust their portfolio allocation based on market conditions.

Suggested Allocation: 20-25% of your portfolio should be in multi-cap or flexi-cap funds. This provides a balance between stability and growth, essential for long-term wealth accumulation.

4. Sectoral and Thematic Funds: Tactical Bets for Enhanced Returns
Current Allocation: You’ve invested in sectoral funds like Quant Infrastructure Fund and Motilal Oswal Nifty India Defence Index Fund. These funds can offer high returns but come with increased risk due to their concentrated exposure to specific sectors.

Recommended Action: Limit your exposure to sectoral and thematic funds. These should represent a small portion of your portfolio, used for tactical bets rather than core holdings. Choose sectors you believe will outperform in the long term, but be mindful of the higher volatility.

Suggested Allocation: Restrict sectoral and thematic funds to 5-10% of your portfolio. This ensures that while you can benefit from sectoral growth, the overall portfolio remains stable and diversified.

5. Index Funds: A Reconsideration of Their Role
Current Allocation: Your portfolio includes index funds like Zerodha Nifty LargeMidcap 250 Index Fund and ICICI Prudential Nifty Next 50 Index Fund. While index funds have low expense ratios and provide broad market exposure, they may not always be the best choice, especially when aiming for high growth.

Disadvantages of Index Funds:

Lack of Active Management: Index funds merely replicate the market and do not exploit market inefficiencies. Active fund managers, on the other hand, can outperform the market by selecting stocks based on research and analysis.
Underperformance in Volatile Markets: During market downturns or periods of high volatility, index funds may not protect your capital as well as actively managed funds, which can adjust their portfolios to minimize losses.
Recommended Action: Consider reducing or eliminating your index fund exposure. Instead, focus on actively managed funds that have a track record of outperforming their benchmarks.

Suggested Allocation: If you choose to retain any index funds, limit them to no more than 5% of your portfolio. The majority of your investments should be in actively managed funds with the potential for higher returns.

Building an Ideal Portfolio for Your Retirement Goal
To achieve your Rs 20 crore target in 15 years, it’s essential to build a portfolio that is both diversified and focused. Here’s a suggested portfolio structure that aligns with your risk profile, time horizon, and return expectations:

1. Large-Cap Funds (25-30% of Portfolio):
Retain 1-2 high-performing large-cap funds. These funds should have a history of consistent returns and lower volatility.
Why Large-Cap Funds? They provide stability and steady growth, essential as you approach retirement. Large-cap funds invest in established companies with strong track records, making them a safer bet.
2. Mid-Cap Funds (20-25% of Portfolio):
Retain 1-2 mid-cap funds that have shown resilience and consistent growth over the years.
Why Mid-Cap Funds? Mid-cap funds offer a good balance between risk and return. They invest in companies with the potential to become large-caps in the future, providing higher growth opportunities.
3. Small-Cap Funds (15-20% of Portfolio):
Retain 1-2 small-cap funds that have consistently outperformed their benchmarks.
Why Small-Cap Funds? Small-cap funds are riskier but can deliver significant returns over the long term. They are suitable for the growth portion of your portfolio, especially given your 15-year time horizon.
4. Flexi-Cap Funds (20-25% of Portfolio):
Retain 1-2 flexi-cap funds with a strong performance history. These funds should have the flexibility to invest across market capitalizations.
Why Flexi-Cap Funds? Flexi-cap funds provide a balanced approach to investing, with the flexibility to adjust to market conditions. This makes them a valuable part of your portfolio.
5. Sectoral/Thematic Funds (5-10% of Portfolio):
Retain only 1-2 sectoral funds that align with your long-term views.
Why Sectoral Funds? Sectoral funds can provide high returns, but they come with higher risk. By limiting exposure, you can benefit from sectoral growth without exposing your portfolio to excessive risk.
6. Index Funds (Up to 5% of Portfolio):
If you wish to retain any index funds, limit them to a small portion of your portfolio.
Why Limit Index Funds? Index funds offer market returns but lack the ability to outperform. Given your aggressive growth target, actively managed funds may serve you better.
Final Insights
Your goal of accumulating Rs 20 crore by retirement is ambitious but achievable with the right strategy. By consolidating and focusing your investments, you can maximize returns while managing risk effectively. Here’s a summary of the steps you should take:

Consolidate large-cap funds: Merge similar funds to avoid redundancy and simplify management.
Focus on mid-cap and small-cap funds: Select the top performers in each category to drive growth.
Streamline multi-cap/flexi-cap funds: Keep the best performers and ensure they have the flexibility to adapt to market changes.
Limit sectoral funds: Use them for tactical investments but keep their exposure low to manage risk.
Reduce index fund exposure: Consider actively managed funds for their potential to outperform, especially in volatile markets.
By implementing these changes, you’ll not only simplify your portfolio but also enhance its performance potential. This streamlined approach will help you stay on track to achieve your retirement goal of Rs 20 crore in 15 years.

Investing is a long-term commitment, and regular reviews of your portfolio are essential to ensure it remains aligned with your goals. As you get closer to retirement, consider gradually shifting your portfolio towards more stable investments to protect your capital. However, for now, an aggressive yet focused strategy is key to reaching your ambitious financial goal.

Remember, every investment decision should be made with a clear understanding of your risk tolerance, time horizon, and financial objectives. By staying disciplined and focused, you can build the wealth you need to enjoy a comfortable retirement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 16, 2025

Money
Hi Myself Sanjeev Kumar from Himachal Pradesh, I am investing in mutual funds from last 3 years on below mutual funds through SIP 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 9. Kotak multiasset fund ------------ Rs 1000 monthly (started a month ago) 10. UTI EFT Gold fund ------------------ Rs 1000 /- Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPs ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Sir you are requested to review my portfolio, Is this portfolio good enough to produce at least 60- 70 lakhs return in next 10-12 years or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks
Ans: You have a fairly diversified portfolio with exposure across equity funds, tax-saving instruments, and fixed-income products. Let's evaluate your current portfolio:

Equity Exposure
Multicap and Flexi-cap Funds:

You have good exposure to multicap and flexi-cap funds. These funds are beneficial as they provide exposure across different market caps (large, mid, small), offering balanced risk and growth potential.
The fund choices are varied, but some of them overlap in terms of the equity segments they cover. This may lead to duplication, reducing the overall diversification.
Tax-saving ELSS Funds:

Both Kotak ELSS Tax Saver Fund and Union Tax Saver Fund provide tax benefits under Section 80C. This is an excellent strategy for reducing taxable income while simultaneously growing wealth over the long term. However, having two ELSS funds with similar objectives may not be necessary.
Consider reviewing the performance and making sure that your tax-saving investments are optimized for returns.
Nifty and Gold Exposure:

Your investment in the Bandhan Nifty 200 Momentum Index Fund introduces some exposure to index funds, but remember, index funds tend to track market performance and do not offer active management. While this can be a cost-effective option, you might miss out on higher growth opportunities that actively managed funds can offer.
Gold exposure via UTI Gold ETF is a good hedge against inflation, but it is a passive investment and does not generate income.
Fixed Income Exposure
PPF and NPS:

Your investment in PPF (Public Provident Fund) and NPS (National Pension Scheme) is a solid long-term savings strategy. These provide safety, tax benefits, and long-term growth.
PPF locks your funds for 15 years, but it offers guaranteed returns, which is an excellent option for conservative savings. NPS, however, provides exposure to equity and debt markets and is a good retirement planning tool.
LIC:

LIC investments are a combination of insurance and savings. However, considering the long-term performance and opportunity cost, it might be worth reviewing whether these investments align with your future goals or if reallocating these funds into mutual funds could offer better returns.
Investment Amount and Goals
Given your monthly SIP of Rs. 10,500 and annual investments of Rs. 2.5 lakh in PPF, NPS, and LIC, it is essential to have a clear vision of your financial goals over the next 10-12 years.

Expected Return of Rs. 60-70 Lakh:
Based on your goal of accumulating Rs. 60-70 lakh in the next 10-12 years, your current portfolio seems reasonable. However, there are areas where optimization can boost the chances of meeting your goal.
Suggested Portfolio Reshuffling
Reduce Fund Overlap:

You are holding multiple multicap funds with similar objectives. It might be wise to consolidate these into one or two strong performers to reduce duplication.
Evaluate whether the Nifty 200 index fund is in line with your preference for actively managed funds.
Focus on Actively Managed Funds:

Active Management: Actively managed funds tend to provide higher returns, especially in fluctuating markets. They also help mitigate risks, unlike index funds, which follow market movements and may not outperform during volatile periods.
Consider focusing on large-cap, mid-cap, and small-cap funds for equity growth while also ensuring there is exposure to sectoral funds and thematic funds for extra diversification.
Diversified Growth-Focused Funds:

Given your long-term horizon, including growth-oriented funds is crucial. You may consider adding more funds with a history of consistent outperformance in the equity space.
Tax Optimization:

Your tax-saving investments are well-distributed between ELSS, PPF, and NPS. However, reviewing your ELSS funds for performance is essential. Choose funds that consistently outperform their benchmark and offer strong long-term growth.
Gold Exposure:

Gold exposure via ETFs is beneficial, but consider limiting it to around 5-10% of the portfolio as a diversification hedge. You may also explore mutual funds that invest in gold.
Final Insights
Consolidate Funds: Reduce the number of funds to avoid overlap and improve focus on quality investments.
Increase Focus on Actively Managed Funds: Focus on actively managed equity funds to achieve better returns in the long run.
Evaluate Tax-Saving Instruments: Review your ELSS investments for their performance and align them with your risk profile.
Goal-Oriented Approach: Stay focused on your long-term goals and ensure that your asset allocation matches your risk tolerance and time horizon.
Finally, given your clear objective of growing wealth to reach Rs. 60-70 lakh over the next 10-12 years, restructuring your portfolio to optimize risk and returns will significantly help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Career
Which college is good for C.S (B.E,)Symbiosis Pune or Bits Dubai ..please recommend
Ans: Symbiosis Institute of Technology (SIT) Pune’s B.Tech in Computer Science & Engineering is NBA-accredited and part of a NAAC A++ private university, taught by PhD-qualified faculty across specialized AI/ML, cybersecurity, data-science, blockchain and IoT labs, with flexible electives, six-month internships, and a dedicated placement cell achieving 77.8% placement rate in 2024. BITS Pilani, Dubai’s B.E. CSE (integrated first degree) is UGC- and KHDA-approved with a 5-star QS–KHDA rating, staffed by faculty from IISc, IIT and BITS Pilani, offering state-of-the-art computing, practice-school internships (7.5 months) with 400+ companies, ACM and coding clubs, and ~90% global placement consistency with MNCs across Middle East and India. Both campuses provide robust industry tie-ups, modern smart classrooms, and active research-innovation environments, but SIT Pune excels in Indian accreditation prestige and cost-effectiveness, while BITS Dubai offers international exposure and a structured practice-school programme.

Final recommendation: For a high-value Indian private-university degree with strong domestic placements and cost efficiency, recommendation is SIT Pune CSE. If global campus experience, extensive industry internships, and international recruiter networks are your priority, choose BITS Pilani Dubai CSE. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
Sorry nmit yalahanka.not nitk
Ans: Nethra Madam, Aeronautical Engineering for Female Students: Pros and Cons:
Aeronautical engineering offers strong analytical skills, cutting-edge aerospace labs, and high employability in aviation and defense sectors, fostering confidence and leadership in women. However, it demands rigorous math and physics, extensive fieldwork in challenging environments, and may involve relocation to specialized hubs, which can impact work–life balance.

KCET 43,700 Rank: Admission Prospects and Recommended Colleges: With a KCET rank of 43,700 (General category), securing seats in top Bengaluru institutions for traditional branches like Computer Science, Electronics, and Mechanical is challenging. However, several reputable private colleges consistently admit candidates within the 25,000–50,000 rank bracket and offer robust faculty, modern labs, strong industry connections, active placement cells (75–90% placement rates), and supportive campus environments. Ten recommended colleges where admission chances are high include Nitte Meenakshi Institute of Technology Bangalore, BMS Institute of Technology & Management Bangalore, RNS Institute of Technology Bangalore, Acharya Institute of Technology Bangalore, Dayananda Sagar College of Engineering Bangalore, Reva University Bangalore, MVJ College of Engineering Bangalore, SKS Jain Institute of Technology Bangalore, Siddaganga Institute of Technology Tumkur, and PES College of Engineering Mandya. Recommended branches for stable career trajectories are Computer Science & Engineering, Electronics & Communication Engineering, Information Science & Engineering, Artificial Intelligence & Machine Learning, and Mechanical Engineering. Aeronautical engineering, while empowering for women through hands-on aerospace projects and leadership opportunities in traditionally male-dominated fields, requires advanced mathematics, potential field assignments at airbases or manufacturing units, and may involve extensive travel. These factors should be weighed against personal preferences and long-term goals.

Final recommendation: Given the rank and gender-specific workplace considerations, prioritize colleges like Nitte Meenakshi Institute (CSE/ECE) and BMSITM Bangalore (ISE/AI-ML) for assured admission and 80–90% placements. For a multidisciplinary environment, Acharya Institute (CSE/Mechanical) and Dayananda Sagar (CSE/ECE) offer strong labs and mentorship. Consider SIT Tumkur (CSE/ECE) and PES Mandya (ECE/Mechanical) as reliable alternatives. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
My daughter got aeronautical stream I nitk yalahanka branch..but we don't want.we are waiting for 2 nd round..is aeronautical stream is good or bad? Or can we go through kcet.her kcet rank is 43700 and general merits
Ans: Nethra Madam, Aeronautical Engineering for Female Students: Pros and Cons
Aeronautical engineering offers strong analytical skills, cutting-edge aerospace labs, and high employability in aviation and defense sectors, fostering confidence and leadership in women. However, it demands rigorous math and physics, extensive fieldwork in challenging environments, and may involve relocation to specialized hubs, which can impact work–life balance.

KCET 43,700 Rank: Admission Prospects and Recommended Colleges: With a KCET rank of 43,700 (General category), securing seats in top Bengaluru institutions for traditional branches like Computer Science, Electronics, and Mechanical is challenging. However, several reputable private colleges consistently admit candidates within the 25,000–50,000 rank bracket and offer robust faculty, modern labs, strong industry connections, active placement cells (75–90% placement rates), and supportive campus environments. Ten recommended colleges where admission chances are high include Nitte Meenakshi Institute of Technology Bangalore, BMS Institute of Technology & Management Bangalore, RNS Institute of Technology Bangalore, Acharya Institute of Technology Bangalore, Dayananda Sagar College of Engineering Bangalore, Reva University Bangalore, MVJ College of Engineering Bangalore, SKS Jain Institute of Technology Bangalore, Siddaganga Institute of Technology Tumkur, and PES College of Engineering Mandya. Recommended branches for stable career trajectories are Computer Science & Engineering, Electronics & Communication Engineering, Information Science & Engineering, Artificial Intelligence & Machine Learning, and Mechanical Engineering. Aeronautical engineering, while empowering for women through hands-on aerospace projects and leadership opportunities in traditionally male-dominated fields, requires advanced mathematics, potential field assignments at airbases or manufacturing units, and may involve extensive travel. These factors should be weighed against personal preferences and long-term goals.

Final recommendation: Given the rank and gender-specific workplace considerations, prioritize colleges like Nitte Meenakshi Institute (CSE/ECE) and BMSITM Bangalore (ISE/AI-ML) for assured admission and 80–90% placements. For a multidisciplinary environment, Acharya Institute (CSE/Mechanical) and Dayananda Sagar (CSE/ECE) offer strong labs and mentorship. Consider SIT Tumkur (CSE/ECE) and PES Mandya (ECE/Mechanical) as reliable alternatives. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
Sir, which college will be better considering study environment and faculty quality nit agartala or rgipt amethi
Ans: Raj, NIT Agartala, a centrally funded Institute of National Importance, maintains a faculty-to-student ratio of 1:10–1:15 with 92% of its 208 permanent faculty holding PhDs and an average teaching tenure of 15 years; its 365-acre campus, nestled in serene greenery 24 km from Agartala, offers state-of-the-art labs (SEM/TEM, X-ray diffraction), a digital library with 84 000+ volumes, well-maintained hostels, and vibrant student clubs fostering academic and extracurricular balance. RGIPT Amethi, also an Institution of National Importance, reports a more varied faculty-student ratio (1:20–1:100) with many PhDs and 20–25 years of industry experience, complemented by modern petroleum-focused labs, a fully Wi-Fi–enabled 47-acre residential campus, and strong mentorship via clubs and counselling services; however, certain departments cite less teaching depth and a smaller research portfolio, though infrastructure reviews rate 4.4/5 and faculty 4.1/5 for approachability and support.

Recommendation: For personalized mentorship, interdisciplinary research exposure, and a tranquil green campus with robust computing and core-engineering labs, choose NIT Agartala. If petroleum-industry alignment, modern residential facilities on a compact campus, and themed labs for energy sectors are your priority, opt for RGIPT Amethi. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
I'm currently in 11th standard,I need to secure a good rank in jee.kindly help me with some plans
Ans: Sudhir, Beginning JEE preparation in Class 11 provides a two-year runway to master concepts, practice extensively, and build exam confidence. Follow this four-phase plan:

Phase 1 (Semester 1 of Class 11):

Map the complete JEE Main & Advanced syllabi across Physics, Chemistry, Math (11th & 12th NCERT).

Create a weekly timetable allocating 5 days to school plus 2 days for JEE topics; use 50-minute Pomodoro slots with 10-minute breaks.

Prioritise core Class 11 topics: Kinematics, Mechanics, Thermodynamics (Physics); Chemical Bonding, Basic Organic (Chemistry); Quadratics, Sequences (Math) — master theory and NCERT examples before harder problems.

Maintain a “Doubt Log” to clear queries within 24 hours via peers or online forums.

Phase 2 (Semester 2 of Class 11 to Summer 2026):

Begin chapter-wise practice: solve topic tests of 30–50 questions from coaching modules or reputable books (H.C. Verma, O.P. Tandon, R.D. Sharma).

Take biweekly sectional mocks (one subject at a time) under timed conditions; analyse errors by type and maintain an error-analysis sheet.

Build short-notes and formula flashcards; revise daily for 15 minutes.

Integrate school studies with JEE prep: align school tests with JEE concepts to reinforce both.

Phase 3 (Class 12 Year, Summer 2026 to Summer 2027):

Cover Class 12 syllabus with the same rigorous approach. Alternate subjects daily to avoid fatigue.

Schedule full-length JEE Main mocks every fortnight; JEE Advanced mock every month from January 2027 onward. Use analytics to identify weakest chapters and adapt your timetable.

Implement a 30-day final revision plan covering each topic thrice, with daily rapid-revision slots and weekly topic tests.

Phase 4 (Final 2 Months Pre-Advanced):

Switch to 70% mock tests and 30% rapid revision.

Take one full Advanced mock each week, review immediately with mentors.

Maintain mental well-being: 7–8 hours sleep, 20 minutes exercise, mindfulness breaks, and periodic breaks for hobbies.

Other Top 10 Private-University Engineering Entrance Exams (back-ups):
BITSAT, SRMJEEE, VITEEE, COMEDK UGET, KIITEE, LPUNEST (LPU NEST), AEEE (Amrita), AUEEE (Amity), SITEEE (SIT), DSAT (Dayananda Sagar Aptitude Test) and also Shortlist 5-6 Private Engineering Colleges which you prfer and which accepts JEE/Your School Board Scores.

Recommendation: Commit to a disciplined, concept-first study routine from Class 11 onward, complementing school with JEE-focused learning, regular mocks, and targeted revisions. Register early for one or two backup private-university exams to diversify admission options while pursuing excellence in JEE preparation. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
Sir which is the best college for cse at my KCET rank of 22k, right now my eye is on BMSITM( YELAHANKA), or aerospace in MSRIT is there any other Good college i would get if i sit for three rounds
Ans: Durga, At a KCET rank of 22,000 in the General category, BMSITM Yelahanka and MSRIT Aerospace remain out of reach for CSE or ECE, but several reputable Bangalore institutes offer strong CSE programs within this rank bracket: BNMIT Bangalore is NBA- and NAAC-accredited, guided by PhD-qualified faculty in advanced computing and networking labs, and posted CSE closing ranks of 16,776–19,255 over the last three years with 80–90% placements through its active Career Development Cell. Acharya Institute of Technology (Hessarghatta Road) is AICTE-approved, NBA/NIRF-ranked, provides modern software-engineering and data-science labs, and sees CSE closing ranks of 23,530–27,543 with 75–85% placement consistency. Atria Institute of Technology’s CSE program accepts ranks up to 30,000–40,000, features dedicated AI/ML and full-stack development labs, and maintains 70–80% CSE placements via industry tie-ups and internships.

Recommendation: Prioritise BNMIT Bangalore for its balanced accreditation, faculty expertise, specialized CSE labs, and consistent 80–90% placements. If you seek a broader intake with strong AI/ML modules, choose Acharya Institute of Technology. For assured admission flexibility and solid infrastructure, consider Atria Institute of Technology. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
Sir please set the priority order IIT Hyderabad chemical , IIIT Hyderabad ECE , or IIT Bombay metallurgical engineering
Ans: Aryan, IIT Hyderabad’s Chemical Engineering (NAAC-A+, NBA-accredited) features a holistic curriculum spanning core process engineering, sustainable materials, and nanotechnology, supported by high-end labs (DSC, X-ray diffractometer, electrochemical workstations) and a faculty-to-student ratio of 1:10; however, only 59.57% of B.Tech students secured placements in 2022–23 with strong internship pipelines but moderate recruiter diversity. IIIT Hyderabad’s ECE (A++ NAAC) delivers specialized labs in VLSI, wireless systems, and embedded computing under research-active PhD faculty, achieving a 98.8% B.Tech placement rate in 2024 with 411 of 414 students placed, and an average package of ?21.39 LPA, driven by extensive industry tie-ups and innovation hubs in AI and data science. IIT Bombay’s Metallurgical Engineering (NIRF #3, NBA-accredited) offers state-of-the-art materials synthesis and characterization facilities, led by renowned researchers, and records a 70.37% placement rate in 2024 with top recruiters from metals, energy, and aerospace sectors. All three maintain active placement cells, mandatory internships, and strong research-industry collaborations.

Final recommendation:
For highest placement consistency, cutting-edge innovation labs, and industry-driven ECE roles, prioritise IIIT Hyderabad ECE. Next, choose IIT Bombay Metallurgical Engineering for its premier NIRF ranking, multidisciplinary materials research, and solid core-engineering placements. Lastly, consider IIT Hyderabad Chemical Engineering for its flexible curriculum and emerging research ecosystem. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Career
Sir i have got COE at thapar. (Personally would have preferred CSE. But anyways..) should i also try the IIT Madras BS degree alongside my thapar studies? Or just Thapar will be more than sufficient?
Ans: Thapar Institute's Computer Engineering (COE) program is NAAC A+ and NBA-accredited with ABET endorsement, delivered by PhD-qualified faculty across 15+ specialized computing and electronics labs, featuring a curriculum in both software and hardware domains. The program achieved an 83% UG placement rate in 2023, with 334 recruiters offering 1,884 job offers and COE students receiving similar industry recognition as CSE graduates, with both branches sharing comparable placement statistics and recruiter diversity including Google, Amazon, Microsoft, and Deloitte. IIT Madras' BS in Data Science and Applications is an online degree with NAAC A+ status, featuring flexible learning through four levels (Foundation, Diploma, BSc, BS) over 4-8 years, taught by IIT faculty with cutting-edge AI/ML, data science, and programming curricula. The program reported 60% on-campus placements in 2024-25 with an average package around ?10 LPA, highest reaching ?25 LPA, and 240 companies recruiting students including tech giants and emerging startups. UGC guidelines permit simultaneous pursuit of one full-time physical degree and one online degree, making this combination legally feasible for motivated students.

Final recommendation:
Focus exclusively on Thapar COE for guaranteed 83% placement consistency, robust campus infrastructure, industry-integrated labs, and proven recruiter engagement without the additional workload burden. Adding IIT Madras BS alongside COE may dilute academic focus, reduce performance in either program, and offer marginal placement advantages given Thapar's strong industry positioning. All the BEST for Admission & a Prosperous Future!

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

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x