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Ramalingam Kalirajan |2770 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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

Question by Kailash on Nov 01, 2023Hindi

Money

Hi Sir, I started investing from last 3months in below index funds, Hdfc s&p bse 500 direct growth Kotak s&p housing index fund direct idcw reinvestment Edelweiss nifty smallcap 250 index fund idcw reinvestment Kindly provide your feedback for below points, 1. In these funds which one will give compounding returns? 2.is these funds are good for long term? Please do reply

Ans: All the index funds you've chosen track different market segments, offering diversification to your portfolio. Over the long term, the compounding effect can be significant, especially in equity-based index funds like HDFC S&P BSE 500 and Edelweiss Nifty Smallcap 250. However, it's essential to note that past performance is not indicative of future results, and market conditions can vary.
Index funds are generally considered suitable for long-term investment due to their low costs, passive management style, and ability to capture broad market movements. However, ensure these funds align with your risk tolerance and investment goals, and regularly review your portfolio to ensure it remains on track. Consulting with a Certified Financial Planner can provide personalized guidance based on your financial situation and objectives.

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 Kalirajan |2770 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2024

Question by giridhar - Jan 08, 2024Hindi

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Hi, Just wanted to check whether these funds are good for long term investment or do I need to realign. Pls guide. This is for my son he is just started his carrier in It industry few months back. ABSL NIFTY MIDCAP INDEX FUNE 5K, SBI SMALL CAP FUND 2K, QUANTA SMALL CAP FUND 3K, HDFC FELXI CAP FUND 5K, PARAG PAREKH FLEXI FUND 5K,

Ans: The funds selected cover a variety of market segments and investment styles, providing good diversification. To determine if they're suitable for long-term investment, consider factors such as their track record, consistency, fund management, expense ratios, and alignment with your son's investment goals and risk tolerance. Regularly review the performance and make adjustments as needed to ensure they remain aligned with his objectives over the long term. If uncertain, consulting a financial advisor can provide personalized guidance.

Ramalingam Kalirajan |2770 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 15, 2024Hindi

Money

Hello Sir, I'm 29 year old. I'm investing 2000/month past 5 month in "ICICI Preu value Discovery growth fund" and from this April month started investing in 2 more mutual fund. 2000/month - "HDFC Flexi Cap growth fund" 2000/month - "ICICI pre bluechip growth fund" I'll increase my monthly SIP amount every year. I thinking to invest for long term no date capping as far as long I can invest. my goal is just to create wealth. Is this all three funds are good for long term investing or do I need to make any changes?

Ans: Your investment approach of starting early and increasing SIP amounts yearly is commendable. The funds you've chosen are reputable and suitable for long-term wealth creation. As your investment horizon is long-term with no specific date in mind, these funds align well with your goal. However, regularly reviewing your portfolio and consulting a financial advisor can help ensure it remains aligned with your objectives and risk tolerance.

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Krishna Kumar |287 Answers |Ask -Follow

Workplace Expert - Answered on May 21, 2024

Question by Somashekhar - May 20, 2024Hindi

Career

Hello , I left job in feb 2023. Bcz of health issue. Now I applied for job I told them bcz of health issues I left job they are not taking me for job. They think recession bcz of that reason company remove me from employment. Could you please suggest me what to do to get new job.

Ans: Hello Sir

I can understand your situation and frustration, however I would suggest stick to your position of honest feedback and keep looking for jobs...I am sure there are enough and more companies out there who value honest people like your.

All the best.

Krishna Kumar |287 Answers |Ask -Follow

Workplace Expert - Answered on May 21, 2024

Asked by Anonymous - May 20, 2024Hindi

Career

Hi, I am an 38yr old female Anaesthesiologist with 10+ years experience. Due to family constraints I am not able to work in a clinical setup. Kindly advise me about the work from home opportunities for a doctor.

Ans: Hello Maam

I am sorry to hear about your situation...well for a doctor it's difficult to work from home because you have to see patients in OT...and they won't come...

Suggest you work as a support consultant...reduce your work load and once family situation improves then resume full time...

Wishing you very best.

Komal Jethmalani |312 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on May 20, 2024

Question by Dinesh - May 15, 2024Hindi

Health

Hi , My Hba1c is 6.5-6.6 but sugar fasting is 100-110 and PP is varying 120-145 . These results are in same range since 2years .what does it means ? what should be the diet plan ? how to reduce Hba1c ? whether i am a diabetic ?pl suggest

Ans: A normal level for an HbA1c is below 5.7%.. Your level is indicative of diabetes. Normal fasting blood sugar is less than 100 mg/dl and your range of 100-110 mg/dl which suggests prediabetes. Focus on a balanced diet rich in whole grains, lean proteins, healthy fats, and plenty of vegetables. Limit refined sugars, processed foods, and high-calorie snacks. Monitor portion sizes and spread meals throughout the day. Regular exercise helps lower blood sugar levels. Discuss your results with a registered dietician or your family physician.

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CAT, XAT, CMAT, CET Expert - Answered on May 20, 2024

Question by Abhishek - May 05, 2024Hindi

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I am 25 now and I had done my graduation in biology (bsc general). Currently working as a biology and chemistry teacher in a school and a coaching institute. want to run my own business in future but feel like I don't have suitable knowledge and most important network for my dream. I love to learn financial terms and knowledge regarding business. I am thinking to prepare for CAT exam , trying best to get IIM. please guide me, can I do this as my background is not so good like I didn't had any unique degree and knowledge?

Ans: Yes it is possible to get into IIMs if you are able to crack CAT. So start preparing for the entrance exams. If you diligently work and get a good percentile, you should be able to get into a good college.

Patrick Dsouza |276 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 20, 2024

Question by Janvi - May 02, 2024Hindi

Career

I am in my final semester of b.com and i want to do prepare for CAT exam but im afraid of gap year .kindly suggest me what can i do as i dont have any job opportunities amd placement from my institute

Ans: A gap of 1 year is not a big problem. But it is recommended that you look out for job and study along with your job. Look for job that would give you atleast 3 hours daily to prepare for CAT.

Patrick Dsouza |276 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 20, 2024

Asked by Anonymous - May 17, 2024Hindi

Career

I am 55 and currently struggling with my career. I lost my job 4 years ago during covid. I have a management diploma and currently working as visiting faculty teaching in management colleges, but the assignments are far few and unpredictable i am also a graguare in engineering and MA in psychology. Kindly suggest if studying some course or masters oibe will help me to get some online assignments for stable flow of income?

Ans: Not sure if doing courses would help you to get a stable income as most companies prefer younger employees. But can look at option of working in a startup / smaller company at a lower salary and then build a profile to help develop skill sets that would make you employable at a higher salary. It could also be possible that you could use your experience in your past work in your new job.

Patrick Dsouza |276 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 20, 2024

Asked by Anonymous - May 17, 2024Hindi

Career

Hello, I am having 13years+ experience in telecommunications operators & vendors with engineering background.For last few years I have been thinking of doing an mba in relevant field to move forward. Currently I am earning 28lpa & not able to leave my job for full time executive mba. Should I consider for full time via gmat or any online programs from well known b-schools, Would you please suggest..

Ans: If you are already drawing 28 lpa, then leaving a job for doing MBA does not seem to be a good option. But can analyze the placements in these top Executive MBA course. Check if the profiles that they provide are of interest to you. Their average package should be 30+ lpa. Look also at an option of taking a sabbatical from your company to do an executive MBA.

Patrick Dsouza |276 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 20, 2024

Question by Sarthak - May 17, 2024Hindi

Career

Sir ,Iam 22 years old I have completed my b.com from tier 1 University from odisha with8.45 cgpa and currently iam doing m.com from another tier 1 college along with continuing cma(Intermediate) but my aim is to make a career in corporate so,iam desire to do a mba ,but my question is is average mba college give me that opportunity after these courses completion .

Ans: Try to get into a good college. You can do so if you do well in the entrance exams. XIM Bhuvaneshwar is a good college and has preference for students from Odisha, so that can be one of the options. For average MBA college check their placements and talk to the students of that college before deciding to join.

Patrick Dsouza |276 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 20, 2024

Asked by Anonymous - May 18, 2024Hindi

Career

I am 23years old male living in kolkata and a bcom general graduate with 73.52% in 2022, after that i taken gap years for mba entrance preparation but not able to crack or get desired percentile in any. Currently in 2024 i am repeating again for mba entrances to secure admission in 2025. I have no work or internships experience, no awards or certifications. I got 51.17 in 12th commerce and 54.71 in 10th. I got only a digital marketing beginner certification by google digital garage earlier on 2023. Currently i taken a digital marketing course from udemy of digital marketing to hone and develop the required skills I have been searching and applying for jobs since graduating but not able to get any desired one. Which colleges should i choose or consider with desired percentile for each as per my profile in Cat, xat, nmat, snap, cmat, Mah cet respectively in 2024 - 2025? Also, mention your valuable tips and insights for me securing to Mba. Please help with your genuine guidance. THANK YOU

Ans: First try to well in the exam. You can decide on the colleges based on your performance in mocks / exam. Regarding job, there are many options available especially in startups. Do go through a placement or recruitment agency if required.

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Dietician, Diabetes Expert - Answered on May 20, 2024

Question by GD - May 13, 2024Hindi

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I am 46 years old Height 5.9 weight 93.i do jogging alternate day like MWF do yoga everyday but i cant reduce my weight i have sitting job from morning 8 to 4 pls advise

Ans: Weight loss can be challenging, especially when you have a sedentary job. Keep a detailed food diary to track your daily calorie consumption. Include protein at every meal as it boosts metabolism and help maintain muscle mass during weight loss. Focus on whole grains, vegetables, fruits and limit refined sugars. Be active. Take short walks, use stairs, or stand up frequently. Cut back on carbs and stay hydrated.

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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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