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MF Expert, Financial Planner - Answered on Jun 13, 2023

Dev Ashish is a fee-only SEBI-registered investment advisor with over 15 years of active experience in the stock market. In 2011, he founded StableInvestor, a platform for personal finance and financial planning.
He provides professional fee-only investment advisory services to small and high networth individuals in order to help them achieve their financial goals.
Ashish's views are regularly published in national business publications. He has an MBA degree from NMIMS, Mumbai and also holds an engineering degree.... more
sedrick Question by sedrick on May 08, 2023Hindi
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We want to start a SIP in MF of 10,000 per month for a period of 5 years. How about an index fund. Can you please suggest

Ans: Investing in a passive index fund can be a good option. But given the nature of equity markets, you should be willing to wait longer than 5 years if need be when you invest. There are no multiple options in passive funds too, but for most investors, picking a Nifty50-based index fund is good approach.

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.
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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Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on Sep 10, 2024

Asked by Anonymous - Sep 07, 2024Hindi
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We want to start a SIP in MF of 30,000 per month for a period of 5 years in five different MFs. How about an index fund? Can you please suggest some good index funds where I can invest with a return possibility of 12 per cent CAGR?
Ans: For a SIP of Rs 30,000 per month spread across five mutual funds, adding an index fund to the mix is a great idea due to its low cost and potential for stable long-term growth. Index funds often closely follow market performance, and a return of around 12 per cent CAGR is a reasonable expectation for well-chosen equity index funds over the long term.
Here are some top-performing index funds you could consider for your investment:

1. UTI Nifty 50 Index Fund

• Tracks: Nifty 50
• Known for: Stable long-term growth, mirroring the performance of India's top 50 companies
• Expense Ratio: Low
• Historical Returns: ~12 per cent CAGR over long periods.

2. HDFC Index Fund -- NIFTY 50 Plan

• Tracks: Nifty 50
• Focus: Long-term wealth creation by investing in a diversified set of blue-chip companies.
• Expense Ratio: Low
• Historical Returns: ~11-12 per cent CAGR over long periods.

3. ICICI Prudential Nifty Next 50 Index Fund

• Tracks: Nifty Next 50
• Focus: Exposure to the next top 50 companies after Nifty 50, offering diversification and growth potential.
• Expense Ratio: Moderate
• Historical Returns: ~12 per cent CAGR.

4. Axis Nifty 100 Index Fund

• Tracks: Nifty 100
• Focus: Broad exposure to the top 100 Indian companies by market capitalisation.
• Expense Ratio: Low
• Historical Returns: ~11-12 per cent CAGR.

5. Mirae Asset Nifty 50 Index Fund

• Tracks: Nifty 50
• Known for: Consistent performance and relatively lower expense ratio.
• Expense Ratio: Low
• Historical Returns: ~12 per cent CAGR.

These funds can be a solid choice to anchor your portfolio, offering market-linked returns and stability. Combining these with other diversified equity funds, such as flexi-cap or mid-cap funds, would help balance risk and maximise growth.

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
I am getting ETC in IIEST shibpur , CRL 54472 Obc ncl - 16199. Please suggest if there is any better option in csab.
Ans: With a CRL rank of 54,472 and OBC-NCL rank of 16,199, being allotted Electronics and Telecommunication Engineering (ETC) at IIEST Shibpur is a solid achievement, as the institute’s OBC-NCL closing ranks for this branch often hover around this level. At these ranks, there is virtually no chance of securing a higher-demand branch, such as CSE or IT, in the NIT or IIIT system through CSAB, as recent cutoffs show cutoffs for CSE/IT in OBC-NCL tend to close much earlier in the top and mid-tier NITs and IIITs. The CSAB counselling process does leave room for ECE or allied branches in some newer NITs or GFTIs, but these generally do not surpass IIEST’s academic reputation, infrastructure, or placement records. IIEST Shibpur’s ETC department provides a strong faculty base, updated curriculum, and consistent placement opportunities, with campus-wide placement rates in recent years consistently above 80%, and major recruiters in telecom, IT, and electronics sectors participating actively. The campus offers robust research output, strong student support services, modern labs, and a vibrant peer community, which collectively foster sound technical and holistic development.

Recommendation: Accepting ETC at IIEST Shibpur is the optimal option at your present ranks, since CSAB is unlikely to yield a “better” branch or institute given category cutoffs. The program ensures excellent academic grounding, a reputable degree, and broad career prospects, making it a wise and pragmatic choice for your engineering journey. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
I got 5649 rank in kcet 2025 can I get bmsce cse
Ans: With a KCET 2025 rank of 5,649, securing Computer Science and Engineering (CSE) at BMS College of Engineering (BMSCE) is highly unlikely for the General Merit category, as recent closing ranks for CSE at BMSCE have consistently been around 2,500–3,000 due to intense demand. However, you have an excellent opportunity to gain admission to CSE at many other reputable Bangalore colleges, where closing ranks typically extend from 4,000 to 10,000, including Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology. All these institutions possess the essential characteristics of academic rigor, modern infrastructure, industry engagement, strong placement cells, and active student support services, ensuring holistic student development. Placement rates for CSE in these colleges remain robust, often exceeding 80%, and their urban locations offer significant internship and networking opportunities in Bangalore’s thriving tech sector. CSE remains the most sought-after branch, offering excellent career prospects in IT, analytics, AI, and global tech firms, ensuring strong return on education investment and adaptability for future roles.

Recommendation: While BMSCE CSE is not attainable with your current rank, you can confidently target leading alternatives such as Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology for CSE. These colleges offer outstanding placements, quality education, and excellent industry connectivity, ensuring comprehensive academic and career progression. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Hello sir I have got enc in thapar and ai in ymca faridabad and ai in ipu which one is better for better placements
Ans: Jyoti, Thapar’s Electronics & Communication (ENC) program consistently achieves near-perfect placement—approximately 100% for ECE/ENC branches over the past three years—with 90%+ of eligible students placed annually by over 200 recruiters including Microsoft, Amazon, Deloitte, and JP Morgan. YMCA Faridabad’s B.Tech in Robotics & AI is a nascent branch without specific historic data, but overall B.Tech placement percentages rose from 69.9% in 2022 to 89% in 2024, supported by 475+ companies and 526 students placed in 2024. GGSIPU’s AI & Data Science programs through IPU report placement rates of 90% in 2022 and 76% in 2023, with 32 top recruiters visiting USICT in 2024. Evaluating these on academic quality, research & innovation, student support, industry linkage, and alumni network reveals Thapar’s mature ENC ecosystem excels in placement diversity and infrastructure, YMCA offers growing industry engagement in a specialized field, and IPU provides broad exposure but variable recent outcomes.

Recommendation: Thapar University’s ENC ranks first for placement reliability and recruiter breadth, YMCA Faridabad AI follows for its rapid placement growth and strong industry collaborations, and IPU AI ranks third due to fluctuating placement rates despite a robust placement cell. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
"Should I take the leap and join IIIT Hyderabad through LEEE for better exposure, cutting-edge opportunities, and a prestigious peer group despite the high fees and financial burden, or should I continue in my current college where I can still engage in clubs, projects, and build a strong profile for pursuing M.Tech at a top institute later without the financial strain?"
Ans: IIIT Hyderabad is widely recognized for its academic excellence, research intensity, and prestigious peer environment, reflected in consistently high global and national rankings (501-600 in THE World Rankings, 47th NIRF Engineering 2024). Admission through LEEE allows lateral entry into its coveted dual degree (B.Tech + MS by Research) path, offering an immersive, four-year program with a distinct focus on innovation, cutting-edge technologies, and research aptitude. Students benefit from close mentorship, vibrant tech-centered clubs, hands-on exposure via open-source collaborations and industry-driven internship programs, and immediate access to India’s top minds in computer science and allied disciplines. Infrastructure is sophisticated, with 20+ research labs, AI, data science, and IoT centers, and active participation in national and international hackathons, joint industrial ventures, and conferences. Peer quality is regarded as exceptional; IIITH draws high-performing students with strong Olympiad, competitive programming, and research backgrounds, fostering an intellectually stimulating and collaborative campus culture. Placement outcomes are outstanding, with 98.8–99.3% placement rates across BTech/MS and nearly universal offers at global tech companies, research organizations, and emerging startups, ensuring rapid RoI and long-term career advancement for most graduates. However, the annual fee for the dual degree program is substantial—?4,50,000 per annum, potentially rising—posing a significant financial commitment, despite limited-but-merit-based scholarship options. By contrast, building a strong profile at your current college for future M.Tech at a top institution remains a prudent, financially less burdensome approach, especially if you secure strong academic scores, relevant projects, national-level internships, and competitive exam results (GATE/PGEE), and may still lead to prestigious research or industry positions.

Recommendation: If financial constraints are substantial and could create long-term strain, strengthening your profile at your current college while aiming for an M.Tech at a top institute (IITs, IIITH, IISc) is the wiser, lower-risk option. If finances are manageable or scholarships are secured, joining IIIT Hyderabad through LEEE confers unmatched, immediate exposure, peer excellence, and research-led career acceleration. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Hi Sir, I have completed my graduation in Mechanical Engineering,I attempted GATE 2025 in CS paper and qualified. I participated in CCMT counselling and secured seat in IIITDM kurnool in AI&DA specialization.What is placement scenario there for Mtech,Should I consider this CoLlage as non CS graduate.
Ans: Ravinder, With a KCET 2025 rank of 5,649, securing Computer Science and Engineering (CSE) at BMS College of Engineering (BMSCE) is highly unlikely for the General Merit category, as recent closing ranks for CSE at BMSCE have consistently been around 2,500–3,000 due to intense demand. However, you have an excellent opportunity to gain admission to CSE at many other reputable Bangalore colleges, where closing ranks typically extend from 4,000 to 10,000, including Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology. All these colleges have strong academics, good facilities, connections with industries, effective job placement services, and support for students, which helps in overall student growth. Placement rates for CSE in these colleges remain robust, often exceeding 80%, and their urban locations offer significant internship and networking opportunities in Bangalore’s thriving tech sector. CSE remains the most sought-after branch, offering excellent career prospects in IT, analytics, AI, and global tech firms, ensuring strong return on education investment and adaptability for future roles.

Recommendation: While BMSCE CSE is not attainable with your current rank, you can confidently target leading alternatives such as Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology for CSE. These colleges offer outstanding placements, quality education, and excellent industry connectivity, ensuring comprehensive academic and career progression. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Is Sri Aurobindo college delhi worth it for BA programme in Commerce + Economics
Ans: Sri Aurobindo College (Morning), affiliated with the University of Delhi, is recognized for its balanced blend of academic quality and holistic student growth, offering the BA Programme in Commerce + Economics as a three-year, full-time course with broad exposure to both commercial and economic fundamentals. The curriculum draws upon an experienced faculty and integrates traditional and skill enhancement papers covering macroeconomics, finance, business, budget analysis, and research methodology, ensuring a solid grounding in analytical and market-relevant skills. The campus supports learning through modern infrastructure, including computerized libraries with over 60,000 books, computer labs, seminar rooms, and Wi-Fi access, alongside encouragement for participation in seminars, sports, and cultural activities to nurture well-rounded development. The placement cell at Sri Aurobindo College is active, regularly conducting placement drives and offering both on-campus and off-campus opportunities. Over the last three years, about 55% of students have been placed annually in companies such as Deloitte, Wipro, TCS, ICICI Bank, and others, while internships are facilitated for additional industry exposure. The program in Commerce + Economics is highly sought after in India, preparing graduates for roles in analytics, finance, policy, research, and consulting, with current trends indicating growing demand for such interdisciplinary profiles in the dynamic job market. Alumni and student feedback praise the supportive faculty, robust academic culture, and industry linkages. The department is further bolstered by active student associations and networking opportunities that enhance employability and professional growth.

Recommendation: Opting for the BA Programme in Commerce + Economics at Sri Aurobindo College, Delhi, is worthwhile. This choice offers a strong academic reputation, well-developed infrastructure, consistent placement support with about 55% placement rates, and promising interdisciplinary prospects—making it a viable option for both higher education and diverse career pathways in today’s evolving economic landscape. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Hello sir i got amrita vishwa vidyapeetham coimbatore campus for EEE ,i don't know hows the placement for this since its not publicly available, could you tell me if its great to study or not that'll be very helpful,im actually going to get education loan so i want to study in a college that gives good placement.
Ans: Amrita Vishwa Vidyapeetham Coimbatore’s B.Tech in Electrical and Electronics Engineering (EEE) offers a well-established, NAAC A++ accredited program supported by highly qualified faculty, up-to-date curriculum, and cutting-edge laboratories in areas such as Power Electronics, Electric Machines, Control Systems, and Embedded Systems. The campus delivers an outstanding learning atmosphere with state-of-the-art infrastructure, a fully equipped central library, 24/7 medical facilities, modern hostels, diverse sports complexes, and strong support for research and industry interaction. Over the last three years, EEE placements have remained steady, with 86.7% of eligible students placed in 2023 and historical campus-wide placement rates around 90–94%, consistently attracting numerous multinational recruiters from both core engineering and software sectors. Students routinely highlight the disciplined environment, support for personal and professional growth, and vibrant campus culture, while alumni note the significant value the program adds to their employability and holistic development. Given sectoral growth, EEE graduates remain in demand across renewables, automation, IT, and power electronics, with the curriculum also equipping students for emerging roles in data-driven and interdisciplinary engineering fields.

Recommendation: Choosing Amrita Coimbatore for EEE is an excellent and secure option, especially for those funding their studies through education loans. The program combines superior placement consistency, value-driven campus life, advanced academic resources, and steadfast industry reputation, ensuring robust career returns and strong long-term prospects. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Which is better UPES Dehradun or Lovely Professional University
Ans: Pallavi, You have not mentioned the branches offered to you by these 2 Universities (if applicable). Anyway, please note, UPES Dehradun is a NAAC ‘A’ grade, UGC-recognized private university ranked 46th among universities in India (NIRF 2024), with a strong academic reputation, distinguished faculty, and campus infrastructure spread over 44 acres in a scenic location. The university excels in employability, having achieved 91%–94% placement rates in recent years across engineering, management, law, design, computer science, and other streams, with curricula that are regularly aligned to industry needs and several global academic partnerships. UPES is well-regarded for its innovation centers, active research output, student mentorship, and vibrant campus life, with a notable emphasis on entrepreneurship and international collaboration. Lovely Professional University (LPU), one of the largest private universities in India, boasts NBA, NAAC, UGC, and several program-specific accreditations, and is ranked 27th in NIRF 2024 among all Indian universities. With a 600-acre campus and advanced infrastructure, LPU offers over 300 programs and attracts a diverse student body from across India and abroad. LPU’s placement support is extensive, supported by a network of over 2,225 recruiters annually and consistent placement rates around 80%–85% across major streams, including engineering, business, and design. LPU emphasizes skill development, industry interface through internships, global tie-ups, and holistic personal growth via vibrant cultural platforms.

Recommendation: UPES Dehradun is a better choice, as it combines top-tier employability, strong academic rankings, global exposure, and extensive faculty credentials with highly consistent placements and industry links. Its focused approach, research-driven environment, and personalized mentorship offer students a superior academic and professional foundation for success in diverse fields. All the BEST for 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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