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Worried 27-year-old seeks best long-term mutual funds for investment journey

Ramalingam Kalirajan |11161 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 04, 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

Question by Suresh on Jan 04, 2025Hindi

Money

sit tell me the best 4-5 mutual fund to continue?

Ans: Selecting the best mutual funds depends on your goals, risk tolerance, and time horizon. Actively managed funds across equity, hybrid, and debt categories often provide better returns than passive funds. Consult a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) like us for personalised recommendations aligned with your objectives.

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.

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Latest Questions

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 05, 2026

Question by sophia - May 05, 2026Hindi

Career

Sir, my son has 91.47 percent8le in Jee Mains 2026, AIR 132896, OBC rank 44616.We belong to Manipur. Kindly suggest some ideas related with getting admission in CSE or ECE or EE

Ans: Chances with CSE/ECE/EE with top NITs are almost nil. But he has good chances of EE/ECE in lower NITs like NIT Manipur (home state advantage), NIT Agartala, NIT Nagaland, NIT Mizoram, plus CSE/ECE only in newer IIITs or GFTIs via CSAB/spot rounds.

Good luck.
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Radheshyam

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Question by Abhisek - May 05, 2026Hindi

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I have secured 63.5 percentile in jee mains and 219564 rank in obc ncl category can i get seat in vssut and outr in odisha as i belong to odisha in any branch except textile and production

Ans: You have a chance in OUTR/OEC-type Odisha government colleges and lower branches like Mechanical/Civil/Electrical; in VSSUT, but OUTR Bhubaneswar is the better and more likely option than VSSUT.

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Radheshyam

Asked on - May 05, 2026 | Answered on May 05, 2026

Thank you sir, but in which branch of outr

Ans: Civil Engineering, Electrical Engineering, Mechanical Engineering (borderline). But keep a close eye on the previous years' cutoffs of OUTR. Fill out the preferences very carefully. Best of luck.
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Sir, my son got 96.654 percentile in JEE MAINS-2026, can we expect B.TECH -M. TECH integrated course in NFSU Gandhinagar main campus sir.

Ans: With a 96.654 percentile, your son's approximate CRL may be around 50,000–55,000, which looks competitive because NFSU also called many candidates beyond the top 100 merit numbers in its second counselling list. The programme has only 40 seats (may or may not increase) at Gandhinagar, so apply immediately and keep documents ready. It is advisable to have some backup options of the following: NFSU Delhi/Tripura/Dharwad/Guwahati campuses, IIITs through CSAB, DA-IICT, PDPU/PDEU, Nirma, Ahmedabad University, MIT-WPU, Manipal Jaipur, Thapar, SRM/VIT (North India Campuses). All the BEST for Your Son's Prosperous Future!

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Sir my daughter jee mains CRL rank 339932. OBC rank 122195 female csc which collage

Ans: Chances of CSE @ NITs/IIITs are almost nil. Try with state government colleges, private universities (like tier-2/3 engineering colleges), and a few GFTIs or low-demand branches (civil/biotech/EEE) if seats remain in CSAB.

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ECE in Jaypee noida 62 is better for mechanical in shiv nadar greater noida

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My son got 99.2 percentile in jee mains getting csd in iiit delhi vs IT/ MNC in nsut or Mnc in DTU ? Is iiit delhi CSD better as it suits due to proximity . Fees no issues . What abt placement n scope in all.three? Regards Rahul

Ans: Rahul Sir, Recommended order is 1) IIIT-Delhi CSD, 2) NSUT IT, 3) DTU MnC, 4) NSUT MnC. IIIT-Delhi is research-focused and coding-intensive, and design + CS gives scope in software, product, UI/UX tech, HCI, AI products, and startups. NSUT IT is safest for traditional software placements and brand comfort; NSUT’s CSE department also highlights strong MNC campus selection. DTU MnC has an excellent brand and tech scope. DTU 2024-25 data shows MCE (MnC) average CTC ?15.22 LPA, while COE/IT are higher. Choose IIIT-D CSD if he likes CS plus design/product thinking. All the BEST for Your Son's Prosperous Future!

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Question by B - May 05, 2026Hindi

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Sir my daughter jee main 78 parcent in OBC cse in which collage

Ans: Chances of CSE in NIT/IIIT are almost nil/dim. You should focus on state government colleges in your state, private engineering colleges, or GFTIs with lower cutoffs, while keeping NIT/IIIT only as very long-shot CSAB options in non-CS branches.

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Asked by Anonymous - May 04, 2026Hindi

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I got 96.75 percentile and my rank is 51k and ews category rank is 7471 I want ece branch in any college suggest me some colleges

Ans: Chances with CSE are nil. You have a chance of getting into ECE at newer NITs and some IIITs. Good options include NIT Hamirpur, NIT Uttarakhand, NIT Sikkim, NIT Agartala, NIT Meghalaya, and NIT Goa (ECE/EEE where available), plus IIIT Nagpur, IIIT Una, IIIT Kottayam, and IIIT Sri City (ECE/ETC).

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Hl0, my daughter scored 6717 sc category Telangana state what are the possible nit iiit with tech related branches even dual degree branch also ok

Ans: She has good chances of CSE/ECE/EEE and even some dual-degree or AI-related branches in newer NITs and IIITs via JoSAA/CSAB. Try with NIT Warangal (lower branches/dual), NIT Andhra Pradesh, NIT Goa, NIT Nagaland, NIT Mizoram, NIT Sikkim, IIITs like IIITDM Kurnool, IIIT Sri City, IIIT Kottayam, IIIT Nagpur, etc.

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Follow me if you receive this reply.
Radheshyam

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Hlo with 1.4 lakh rank in jee mains jac delhi expected colleges for female other states sc category

Ans: You can expect lower-demand branches in IGDTUW/DTU/NSUT (such as civil, environmental, biotech, mechanical-related) with better chances in spot/upgradation rounds than in top CS/ECE branches.

Good luck.
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Radheshyam

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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