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Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 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
Asked by Anonymous - May 06, 2024Hindi
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I do SIP of Rs.30,00,000 ( thirty lacs ) per month....... Every year I increase by 10 percent. I am 41 years please guide...

Ans: Your commitment to investing is truly impressive, especially with such substantial monthly SIP contributions.

Your strategy of increasing your SIP amount by 10% annually demonstrates a proactive approach towards wealth accumulation.

Given your age of 41, you have a good amount of time ahead to capitalize on the power of compounding.

Let's break down your plan and see how we can optimize it further:

Your current SIP amount of Rs. 30,00,000 per month is substantial and shows a strong commitment towards your financial goals.

Increasing your SIP amount by 10% annually is a prudent move, considering inflation and rising expenses over time.

However, it's important to ensure that this increase doesn't strain your finances or impact your ability to meet other financial obligations.

As a Certified Financial Planner, my suggestion would be to periodically review your financial situation and reassess your SIP strategy accordingly.

Consider factors such as changes in income, expenses, and market conditions to make informed decisions about adjusting your SIP amounts.

Additionally, diversification across different asset classes and investment vehicles can help mitigate risk and optimize returns.

While SIPs are a great way to systematically invest in mutual funds, exploring other avenues such as debt funds, equities, and alternative investments can further enhance your portfolio's performance.

Remember to stay focused on your long-term financial goals and avoid making impulsive investment decisions based on short-term market fluctuations.

Lastly, I want to commend you for your dedication to financial planning. With continued discipline and strategic decision-making, you're well-positioned to achieve your financial aspirations.

Keep up the great work, and remember that I'm here to support you every step of the way!
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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Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

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I do SIP of rs 8k per month since 6yrs in SBI bhuechip -2k, SBI focused equity -2k, HSBC small cap -2k, Canararobecco em eq. -2k .Wanted to increase upto 12k per month.Now i am 41 and moderate. Suggest modifications for long term pls.
Ans: Your commitment to systematic investing is commendable, and I'm here to assist you in optimizing your portfolio for long-term growth and stability.

Understanding Your Current Portfolio
Your SIP investments reflect a diversified approach, spanning large-cap, focused equity, small-cap, and emerging market equities. This blend offers exposure to various market segments, mitigating risk and maximizing growth potential.

Assessing Risk Tolerance and Investment Horizon
As you approach your 40s, it's crucial to reassess your risk tolerance and align your investments with your long-term financial goals. Considering your moderate risk appetite and long investment horizon, we'll tailor a strategic plan to optimize returns while managing risk.

Proposed Modifications
Diversification: Expand your portfolio to include additional asset classes like debt funds or hybrid funds. This diversification can provide stability during market downturns while still offering growth opportunities.

Equity Allocation: Given your moderate risk profile, consider rebalancing your equity allocation to reduce exposure to volatile segments like small-cap and emerging market equities. Focus on quality large-cap and focused equity funds for steady growth.

Systematic Increase: Gradually increase your SIP contributions to 12,000 per month, allowing for incremental growth while maintaining discipline in your investment approach.

Periodic Review: Regularly review your portfolio's performance, market trends, and personal financial goals. Adjust your investment strategy as needed to stay aligned with evolving circumstances.

Benefits of Active Management
Active fund management offers the advantage of professional expertise and adaptability to changing market conditions. Skilled fund managers actively research and select stocks, aiming to outperform the market and deliver superior returns over time.

Disadvantages of Index Funds
Index funds may lack the flexibility and potential for outperformance offered by actively managed funds. They're inherently tied to the performance of the underlying index, limiting opportunities to capitalize on market inefficiencies or emerging trends.

Conclusion
By strategically modifying your portfolio, you can optimize returns and mitigate risk, ensuring a secure financial future. As a Certified Financial Planner, I'm committed to guiding you on this journey towards financial prosperity and peace of mind.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

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

Asked by Anonymous - May 08, 2024Hindi
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I do sip of rs 300000000 (30 crore) per month......each year i increased by 10 percent. I am 25 years please guide...
Ans: Wow! Your dedication to investing such a substantial amount through SIPs is truly impressive.
Starting at such a young age and with such a significant monthly contribution shows foresight and financial responsibility beyond your years.
Understanding Your Goals
It's evident that you have long-term financial goals in mind, and your proactive approach to investing reflects your commitment to securing your future.
By starting your investment journey at 25 and with a substantial monthly SIP amount, you're laying a solid foundation for wealth accumulation and financial independence.
Strategies for Maximizing Returns
Consistent Increase in SIP Amounts
Increasing your SIP contributions by 10% annually is a prudent strategy to keep pace with inflation and potentially enhance your wealth accumulation over time.
This disciplined approach ensures that your investments grow in line with your income and financial goals, compounding your returns significantly in the long run.
Diversification Across Asset Classes
Consider diversifying your investment portfolio across various asset classes such as equities, debt, real estate, and alternative investments.
This diversification helps spread risk and can potentially enhance returns while safeguarding your portfolio against market volatility.
Periodic Review and Adjustments
Regularly review your investment portfolio and performance to ensure it remains aligned with your financial goals and risk tolerance.
Periodic adjustments may be necessary to rebalance your portfolio, capitalize on emerging opportunities, or mitigate risks as market conditions evolve.
Seeking Professional Advice
Importance of Professional Guidance
While your commitment to investing is commendable, seeking professional advice from a Certified Financial Planner (CFP) can provide valuable insights and guidance.
A CFP can help you tailor a comprehensive financial plan, optimize your investment strategy, and navigate complex financial decisions with confidence.
Continuous Learning and Growth
Stay informed about financial markets, investment trends, and economic developments to make informed decisions.
Continuously educate yourself and leverage resources to enhance your financial knowledge and expertise.
Conclusion
Your proactive approach to investing such a significant amount through SIPs at a young age demonstrates foresight and discipline. By continuing to increase your SIP contributions, diversifying your portfolio, and seeking professional guidance, you're well-positioned to achieve your long-term financial goals and secure a prosperous future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2024

Asked by Anonymous - Jul 11, 2024Hindi
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I am 46 , earning 3 lakhs per month Investment 50 thousands in sip. Goal of atleast 2 cr in 10 years, will increase SIP ANNUALLY.. CAN YOU GUIDE ME..
Ans: Achieving a Rs. 2 Crore Goal in 10 Years: Strategic SIP Planning
Current Investment Scenario
You are 46 years old and earn Rs. 3 lakhs per month. You invest Rs. 50,000 per month in a SIP. Your goal is to accumulate at least Rs. 2 crores in 10 years. You plan to increase the SIP amount annually.

Importance of SIP for Wealth Creation
SIP is a disciplined investment strategy. It helps in building wealth over time. Investing monthly reduces market timing risk. SIP benefits from rupee cost averaging. This ensures you buy more units when prices are low.

Choosing the Right Funds
Select funds with a good track record. Actively managed funds are recommended. They adjust portfolios based on market changes. This can lead to better returns compared to index funds. Consulting a Certified Financial Planner (CFP) can help in fund selection.

Annual Increase in SIP
Increasing your SIP annually can significantly boost returns. Even a 10-15% annual increase can make a big difference. It ensures that your investment keeps pace with inflation and growing income.

Diversification for Risk Management
Diversify your SIP investments. Include large-cap, mid-cap, and small-cap funds. This mix balances potential returns and risks. Diversification can protect against market volatility.

Monitoring and Rebalancing
Regularly monitor your investments. Rebalance the portfolio to stay aligned with goals. Adjust based on market conditions. This ensures your portfolio remains on track.

Avoid Direct Funds
Direct funds might seem cost-effective. However, they lack professional guidance. Investing through a CFP ensures informed decisions. They provide valuable insights and help in fund selection.

Benefits of Regular Funds
Regular funds offer expert management. A CFP can guide on the best funds. They help in navigating market complexities. Regular funds ensure informed investment decisions.

Calculating Expected Returns
Assume an average annual return of 12-15% for equity funds. With a starting SIP of Rs. 50,000, increasing annually, you can achieve your goal. Regularly increasing the SIP amount enhances your corpus over time.

Risks and Considerations
Investing in mutual funds involves market risks. The value of your investment can fluctuate. Stay informed about market trends and fund performance. Regular reviews and adjustments are crucial. A CFP can assist in managing risks effectively.

Final Insights
Investing Rs. 50,000 per month in SIPs is a wise strategy. Choose actively managed funds with strong performance records. Plan to increase your SIP amount annually. Diversify your investments to manage risk. Regularly monitor and rebalance your portfolio. Consulting a CFP can provide valuable guidance in fund selection and investment strategy. This approach will help you achieve your goal of Rs. 2 crores in 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Hi can you please advice if ISE or Computer Science & Business systems branch is better in NITTE meenakshi college bangalore. Any idea about Faculty for these 2 CS allied branches? How about placement opportunities for ISE & CSBS . Will these CS specialised curriculum at par with CSE Branch? will industry accept CSBS for Software developer roles?
Ans: Narayana, NITTE Meenakshi Institute of Technology offers both Information Science and Engineering (ISE) and Computer Science and Business Systems (CSBS) programs with distinct advantages. ISE, established in 2001, provides a comprehensive software-focused curriculum with NBA Tier-1 accreditation and extensive research opportunities in AI, machine learning, and cybersecurity. The department features experienced faculty including Dr. Mohan SG as Head, with strong industry connections through companies like Unisys and McAfee. CSBS, a newer program developed in collaboration with TCS, combines computer science fundamentals with business systems knowledge, preparing students for NextGen business engineering roles. The curriculum is industry-tailored by TCS experts who conduct periodic sessions on emerging technologies, with faculty trained through TCS's "Train the Trainer" program.

Five Critical Institutional Aspects:

1. Accreditation & Rankings: NMIT holds NBA Tier-1 accreditation for ISE (valid until 2026-27), NAAC A+ grade, and ranks 101-150 in NIRF 2024.

2. Infrastructure: The 23-acre campus features state-of-the-art laboratories, exclusive research facilities, AR/VR/MR labs, IoT centers, departmental libraries, and 11 Centers of Excellence including quantum computing and cybersecurity.

3. Faculty Quality: ISE department has highly qualified faculty with extensive research experience and industry collaboration, while CSBS faculty are TCS-trained with periodic expert visits.

4. Industry Collaboration: Strong partnerships with TCS for CSBS, Unisys, Dell, Amazon, and Microsoft for placements and internships.

5. Placement Performance: 2024 statistics show ISE achieving 88.37% placement rate with average package Rs 7.2 LPA, while overall institutional placement rate reached 94.3% with highest package Rs 47 LPA.

Pros and Cons Comparison:

CSBS Advantages: Direct TCS collaboration ensures industry relevance, business-oriented curriculum bridges technology-business gap, emerging field with high demand, specialized training in analytics and machine learning, strong placement prospects in consulting roles.

ISE Advantages: Established department with proven track record, extensive research opportunities, broader technical scope, higher current placement rates, NBA accreditation, diverse career paths in software development and cybersecurity.

CSBS Disadvantages: Newer program with limited track record, fewer research opportunities compared to ISE, curriculum heavily dependent on TCS partnership, limited higher education options specifically in CSBS.

ISE Disadvantages: More traditional approach, potentially less business-oriented curriculum, higher competition due to established nature, may require additional business skills development for consulting roles.

Industry acceptance for software developer roles is strong for both branches. Companies recruiting CSE students typically allow ISE students to participate in the same placement drives, with minimal differentiation in software development positions. CSBS graduates are specifically designed for business engineering roles and are increasingly accepted by major IT companies including Amazon, Deloitte, Microsoft, and TCS for software development, business analyst, and data scientist positions.

Recommendation: Choose CSBS if you're interested in combining technical skills with business acumen and prefer industry-tailored curriculum with direct corporate mentorship. Select ISE if you prioritize established academic reputation, extensive research opportunities, and broader technical foundation with proven placement success. Both programs offer excellent software developer career prospects, with CSBS providing additional business system expertise and ISE offering deeper technical specialization. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jul 01, 2025Hindi
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Mam, I am in relationship with one girl since 2.5 year and my girlfriend told about our relationship to her mom. Every positive point of mine which told by my girlfriend to her mom but every point taken negetivly and denied to her.. Move on from relationship... Leave this relationship. He is not good boy.. The problem of her mother is the caste as well as I am Divorcee person and she is unmarried. We love to each other and want to marry. Due to her mother oppose, she is nervousness totally or told that she has no any idea what to do... How to do.. She is not sure she is convince to her family or not. She told that I don't know how much time she can servive to convince her family. Totally her mind felt like empty, dumb, nervousness. Her father not know about our relationship. When this type moment occurs she behave that sometime it is agree to make efforts for convince and sometime when she is nervousness that time she told that i can not convince and to do the breakup because she is not want to go against the her mom and family. But she told that also she want to marry with me. What should I do?
Ans: I am going with the assumption you both are adults who are thinking individuals. I am also assuming you are both financially independent.

Families, parents are important and it should be so. I understand parents apprehension, having said this, I do not get it why caste and relationship status as previously married takes precedence over compatibility. One should also realise that every relationship needs working upon by 2 people- there is no certainty if someone gets married within their caste or choice of parents/ family.

Coming to your issue there are 2 options

- she is open to take the step upsetting her parents and getting married to you

or

- she and you need to move on and move on in the true sense. which means no connection whatsoever, move out of each other's social media, block contact details and move on, heal yourself and find someone else.

in case you wish to connect you may schedule an interaction with me here https://andwemet.com/relationship-guidance

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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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