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Abhishek

Abhishek Dev  | Answer  |Ask -

Financial Planner - Answered on Aug 05, 2023

Abhishek Dev is the co-founder and CEO of the financial planning company, Epsilon Money Mart.
A management graduate, he has over 21 years of experience in asset and wealth management.
He has been associated with reputed companies like HSBC GAM (India, south east Asia), PGIM, AMC, AMEX Bank, HDFC AMC and UTI in various roles, including leading business management, sales, marketing, product development and as a board member.... more
Asked by Anonymous - Jun 11, 2023Hindi
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I've an SIP of ₹1000/ each in DSP small cap, PGIM Flexi Cap, Canara Robecco Small Cap, Mahindra Manulife Flexi Cap & Quant Flexi Cap funds. Also, I've invested a lump sum of ₹50,000/ each in Nippon Small cap, Quant Small Cap and Tata Small cap fund. Please review my portfolio. Thanks

Ans: Your current portfolio is too diversified, meaning, you have 3 flexicap funds and 5 smallcap funds. Some of these funds are relatively new too. We suggest you bring this number down to maximum 3-4 funds.
Kindly understand, each of these funds already own 40-60 companies and since you have funds from the same category, they will be subject to overlaps as well.
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, I am 22 years old doing SIP of Rs. 16,000 in following funds :- 1. Quant Flexi Cap Fund:- Rs. 4000 2. Parag Parikh Flexi Cap:- Rs. 3000 3. Nippon India Large Cap Fund:- 2000 4. HDFC Balanced Advantage Fund:- 2000 5. Quant Mid Cap Fund:- 1500 6. Motilal Oswal Mid Cap Fund:- 1500 7. Bandhan Small Cap Fund:- 1000 8. Axis Small Cap Fund:- 1000 Please do a review my portfolio as well as these selected funds. Also please give your suggestions. Thank you!
Ans: Your dedication to investing at such a young age is impressive and sets a strong foundation for your financial future. Let’s review your current portfolio and provide suggestions for optimization.

Portfolio Review
Diversification Across Funds
You have diversified across various categories, including flexi cap, large cap, balanced advantage, mid cap, and small cap funds. Diversification helps in spreading risk and capturing growth from different market segments.

Fund Categories and Allocation
Flexi Cap Funds: These funds offer flexibility to invest across market capitalizations. They balance risk and reward effectively.

Large Cap Funds: Large cap funds are stable and less volatile, providing consistent returns over time.

Balanced Advantage Funds: These funds dynamically manage equity and debt, offering a balanced approach to growth and stability.

Mid Cap Funds: Mid cap funds are riskier but can deliver higher returns than large cap funds. They offer growth potential.

Small Cap Funds: Small cap funds are the most volatile but can provide significant growth over the long term.

Recommendations for Portfolio Optimization
Assessing Risk and Returns
Your portfolio is well-diversified but leans towards higher risk with significant exposure to mid and small cap funds. At your age, a higher risk tolerance is understandable, but it’s crucial to maintain a balance.

Adjusting Fund Allocation
Increase Allocation to Large Cap and Balanced Advantage Funds: These funds provide stability and consistent returns. Increasing your investment in these funds can balance the risk from mid and small cap funds.

Review Flexi Cap Funds Allocation: You have a substantial allocation to flexi cap funds. Ensure these funds are performing well and meeting your investment goals.

Monitor Mid and Small Cap Funds: Keep an eye on the performance of mid and small cap funds. Consider reducing exposure if they are too volatile for your risk tolerance.

Regular vs. Direct Funds
Investing through regular funds with the help of a Certified Financial Planner ensures you receive expert guidance. This helps in making informed decisions and optimizing your investment strategy.

Long-Term Investment Strategy
Goals and Time Horizon
Identify your financial goals and time horizon. Long-term goals like retirement or buying a house can tolerate higher risks. Short-term goals require safer investments.

Systematic Investment Plan (SIP)
Continue with your SIPs to benefit from rupee cost averaging. This reduces the impact of market volatility and helps in disciplined investing.

Emergency Fund
Ensure you have an emergency fund covering 6-12 months of expenses. This provides financial security in case of unforeseen events.

Health and Life Insurance
Consider getting adequate health and life insurance coverage. This protects your investments and provides financial security to your family.

Conclusion
Your proactive approach to investing is excellent. By adjusting your fund allocation and maintaining a balanced risk profile, you can achieve your financial goals more effectively. Regular reviews and guidance from a Certified Financial Planner will ensure your investments stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

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Career Counsellor - Answered on Apr 28, 2026

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Hello sir. My son got 99.37 his general category rank is 10050 in maharshtra state in jee mains, 250 in bitsat. He is getting core subjects like ece, ee, in tier 2 nits and Iiits, as well as cse in coep, or tier 2 Iiits and nits like surat, Calicut, kurukshetra. And many such. Very confused which to choose. He doesnt have any hard opinion about branch selection. Also i dont know whteher to ho for ece, cse or specialized branches last ke Ai& ml or Data scienceKindly suggest which is better choice
Ans: Before answering your question, I want to clarify that, for BITSAT, a minimum score of around 250–260 is generally expected for MSc programs and 300+ for BE programs, so given your son’s 99.37 percentile in JEE Main and his appearance for JEE Advanced targeting IITs, it’s advisable not to prioritize BITS Pilani, as admission to top branches there is unlikely with this profile. You and your son should decide whether you prefer government or private colleges, or are open to both. All branches are good, and he should choose based on current interest while remaining adaptable if preferences change by the 2nd or 3rd year, besides considering job market trends. For example, a student joining ECE might later shift interest to CSE and succeed in software placements. Based on his JEE Main score, a tentative preference order could be NIT Calicut, Surathkal, Warangal, and Trichy (if available), then COEP Pune CSE, followed by NIT Surat, Kurukshetra, Calicut ECE/EE, tier-2 IIIT CSE, and specialized AI/DS branches only at reputed institutes. COEP CSE is a strong option with a 2024–25 average placement of ?11.62 LPA, a highest package of ?52.57 LPA, and a 91.82% CSE placement rate, so choosing COEP CSE over a lower-tier NIT EE branch and preferring a good NIT ECE over weaker IIIT or specialized branches are recommended. While AI/DS is promising, CSE offers broader flexibility. If your son performs well in JEE Advanced, these choices and options may improve significantly. It’s best to finalize after the JEE Advanced results are out. All the BEST for Your Son's Prosperous Future!

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Nayagam P

Nayagam P P  |11191 Answers  |Ask -

Career Counsellor - Answered on Apr 28, 2026

Asked by Anonymous - Apr 28, 2026Hindi
Career
Sir, my son has scored 92.24 percentile in JEE Main exam and his all india rank 121271 and 40322 obc ncl category. Home state is TN. Is there possible admission at Puducherry NIT, Or else any core branch at Trichy NIT. He also preferring for JEE ADVANCED
Ans: Based on your son’s score, admission to NIT Trichy is unlikely. In 2024, the HS OBC-NCL closing ranks at NIT Trichy were approximately: Chemical Engineering around 33,075, Mechanical at 23,504, Production at 31,383, Metallurgy at 43,010, and Civil at 47,466. This means Metallurgy and Civil are borderline options but not safe bets.

For NIT Puducherry, chances improve in the CSAB Special Round, especially for branches like Mechanical, Civil, and Electrical. For example, the 2024 CSAB closing rank for Mechanical OBC-NCL female-only was around 52,681, though gender-neutral and core branch cutoffs vary by quota.

It’s advisable to fill choices for lower-preference branches at NIT Trichy, all branches at NIT Puducherry, and also consider NIT Andhra, NIT Goa, NIT Agartala, NIT Mizoram, and NIT Meghalaya in CSAB if these NITs are preferred over Trichy and Puducherry.

For stronger backups in Tamil Nadu, your son can participate in TNEA counseling, though it may be challenging for non-TN board students. Options include CEG, MIT, SSN, PSG, CIT, Sri Sairam, and Kumaraguru, depending on board marks.

Encourage your son to continue preparing seriously for JEE Advanced. If possible and affordable, keep 3-4 reputed private engineering colleges in Tamil Nadu as backups, such as SSN, SNU, Amrita, Sathyabhama, and Saveetha through other admission routes. All the BEST for Your Son's Prosperous Future!

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Nayagam P

Nayagam P P  |11191 Answers  |Ask -

Career Counsellor - Answered on Apr 28, 2026

Nayagam P

Nayagam P P  |11191 Answers  |Ask -

Career Counsellor - Answered on Apr 28, 2026

Career
Hello Sir, My daughter has secure 35500 Rank in Jee main we r staying in Rajasthan... general category....... Not interested in South & east States .... Interested in MNC. CSE, ECE, ...Branches ... please advice for
Ans: Rajesh Sir, Based on your daughter’s score, admission to MNIT Jaipur for CSE or ECE is not realistic, as the 2024 HS female closing ranks were around 8,836 for CSE, 15,405 for ECE, and 21,644 for EE. However, branches like Civil or Metallurgy might still be possible, especially with some lower-branch movement seen in CSAB rounds.

She can consider applying to IIIT Una, IIIT Kota, IIIT Bhopal, IIIT Sonepat, IIIT Nagpur, IIIT Bhagalpur, GFTI PEC Chandigarh (for lower branches), and BIT Mesra through JoSAA and CSAB counseling.

It’s also advisable to keep these backups in mind: LNMIIT Jaipur, Thapar Institute, JIIT Noida, Nirma University, PDEU, Bennett University, Shiv Nadar University, UPES, and Manipal Jaipur. Additionally, fill REAP Rajasthan options such as MBM Jodhpur, CTAE Udaipur, and RTU Kota.

If placements in MNCs are a priority, choosing CSE, AI, or IT branches in good private colleges is often better than other branches in reputed institutes.

Finally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your daughter confidently select and maximize her preferred choices. All the BEST for Your Daughter's Prosperous Future!

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Nayagam P

Nayagam P P  |11191 Answers  |Ask -

Career Counsellor - Answered on Apr 28, 2026

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Sir I have 93.5 percentile in jee mains and I am a kashmiri migrant i want to know that will I get top colleges of Maharashtra I have km merit rank in cap councelling of 28 based on last year out of 389 people and also please tell if the quota is in nits
Ans: Sidarth, With a 93.5 percentile and a KM merit rank of 28, your Maharashtra CAP chances are strong. Maharashtra CET rules treat J&K/Ladakh Migrant candidates separately, and for engineering admissions, a positive JEE Main score is given preference over MHT-CET scores.

You should aggressively fill choices including COEP Pune, VJTI Mumbai, SPIT Mumbai, PICT Pune, DJ Sanghvi, Walchand Sangli, Cummins, PCCOE, VIT Pune, and MIT-WPU. With a KM rank of 28, admission to top colleges is possible. However, CSE/IT in COEP, VJTI, SPIT, or PICT may be uncertain due to limited seats. Branches like ECE, AI-DS, ENTC, or IT in strong colleges are more realistic options. VJTI’s 2024 closing ranks indicate that CSE/IT branches remain highly competitive.

Regarding NITs, there is no general Kashmiri Migrant quota through JoSAA, as admissions follow CRL/category/HS-OS rules. The CSAB supernumerary quota in 2025 applied only to specific UT candidates, not broadly to KM. Nonetheless, it’s advisable to participate in JoSAA and CSAB counseling rounds.

Also, consider having 3-4 backup options to keep your chances secure. All the BEST for Your Prosperous Future!

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Nayagam P

Nayagam P P  |11191 Answers  |Ask -

Career Counsellor - Answered on Apr 28, 2026

Asked by Anonymous - Apr 28, 2026Hindi
Career
My daughter has got 93.91in jee 2026 with rank 95015 in general category and home state as delhi .please tell what are her chances of getting admission and branch in igdtu ,thapar and lnmit.Do IPU colleges in delhi hav good placements.please suggest some other good colleges for cse and related branches and ece
Ans: Based on your daughter's score, admission to IGDTUW is possible mainly in later rounds or spot rounds. For example, in 2023 Round-5 Delhi cutoffs (approximate), CSE closed around 58,531, IT at 66,326, AIML at 71,162, ECE at 90,900, and MAE at 1,03,589, making ECE and MAE more realistic options, while CSE and IT would be difficult.

Regarding Thapar Institute, the chances are better. In 2024, later cutoffs for Punjab quota showed Computer Engineering around 92,826 and ECE around 97,890, with some allied branches going much lower. For candidates outside Punjab, core CSE is tougher, but ECE, Electronics, and related branches in lower rounds could be worth applying for.

At LNMIIT, CSE admission is unlikely due to high JEE percentile expectations, but ECE might still be possible.

Consider IPU Delhi as a backup, along with reputable colleges like USICT, MAIT, MSIT, BVCOE, and BPIT, which have decent placement records. For detailed placement data, please check the respective college websites and online resources.

Other backup options to explore include JIIT Noida, Shiv Nadar University, UPES, Manipal Jaipur, Bennett University, and Chandigarh University. All the BEST for Your Daughter's 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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