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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Oct 27, 2021

Mutual Fund Expert... more
Sudhir Question by Sudhir on Oct 27, 2021Hindi
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I started reading your MF articles regularly, so requesting your guidance as I would like to start investing in MFs.

I am 55 years old, working in an IT company and would like to start monthly SIPs for 35K and lump sum investment of Rs 5 lakhs and would be looking for 15 per cent plus return over five years.

Please let me know whether I can avail your regular investment expertise, if the option is available.

Ans: It's better to start with staggered investments, instead of a lump sum.

A few schemes that may be considered are:

1. Axis ESG Equity Fund - Growth
2. Motilal Oswal Focused 25 Fund - Growth
3. ICICI Prudential US Bluechip Equity Fund - Growth
4. SBI Magnum Global Fund - Growth
5. DSP Quant Fund - Growth

 

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

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Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Asked by Anonymous - Nov 20, 2023Hindi
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Hi Nikunj, I'm 44 years old and planning to invest in MF till my retirement age, purpose for investment to accomodate for retirement. I can start with 20k monthly sip
Ans: Planning for retirement is a crucial financial decision, especially at the age of 44. Starting a SIP of Rs. 20,000 monthly is a commendable step towards building a secure financial future. This disciplined approach will help you accumulate a substantial corpus for your retirement. Let's dive into the details of how you can achieve your retirement goals through mutual fund investments.

Understanding Your Investment Goals
Your primary goal is to secure a comfortable retirement. To achieve this, you need a well-balanced and diversified portfolio that can generate consistent returns over the long term. Investing until retirement requires careful planning and strategic asset allocation.

Benefits of Mutual Funds
Mutual funds offer several advantages for retirement planning:

Diversification: Mutual funds spread your investment across various asset classes, reducing risk.
Professional Management: Fund managers with expertise and experience manage your investments.
Liquidity: Mutual funds are easy to buy and sell, providing flexibility.
Potential for High Returns: Especially with equity mutual funds, which can offer significant growth over time.
Equity Mutual Funds
Equity mutual funds are essential for long-term growth as they invest in stocks, which can provide high returns. However, they also come with higher risk.

Types of Equity Funds
Large-Cap Funds: These funds invest in large, stable companies. They have lower risk and provide steady returns.

Mid-Cap Funds: These funds invest in medium-sized companies. They offer moderate risk and good growth potential.

Small-Cap Funds: These funds invest in small companies. They carry higher risk but have the potential for high returns.

Multi-Cap Funds: These funds invest across all company sizes, providing diversified risk and balanced returns.

Benefits of Actively Managed Funds
Actively managed funds have professional managers making investment decisions. They aim to outperform the market by selecting high-performing assets.

Advantages of Actively Managed Funds
Expert Management: Professionals choose the best assets for investment.

Higher Potential Returns: These funds aim to exceed market returns.

Flexibility: They can adapt to market changes and economic conditions.

Disadvantages of Index Funds
Index funds track a market index. They offer lower costs but limited flexibility. Here are some disadvantages:

Limited Flexibility: Index funds cannot adjust quickly to market changes.

Average Returns: They only match market returns and do not aim to exceed them.

Missed Opportunities: Actively managed funds can capitalize on market opportunities, which index funds might miss.

Debt Mutual Funds
Debt funds invest in fixed-income securities like bonds. They provide stability and regular income, making them ideal for balancing risk in your portfolio.

Types of Debt Funds
Short-Term Debt Funds: These funds invest in short-term bonds, offering low risk and stable returns.

Long-Term Debt Funds: These funds invest in long-term bonds, carrying moderate risk but providing higher returns.

Liquid Funds: These funds invest in short-term securities, offering very low risk and high liquidity.

Balanced or Hybrid Funds
Balanced funds invest in both equities and debt instruments. They provide a mix of growth and stability.

Types of Balanced Funds
Equity-Oriented Hybrid Funds: These funds have a higher equity component, offering growth with some stability.

Debt-Oriented Hybrid Funds: These funds have a higher debt component, offering stability with some growth.

Tax-Saving Funds (ELSS)
Equity Linked Savings Schemes (ELSS) offer tax benefits under Section 80C. They are suitable if you want to save taxes while earning good returns.

Creating a Balanced Portfolio
To achieve a well-balanced portfolio, consider the following allocation:

50% Equity Funds: Split between large-cap, mid-cap, and multi-cap funds.

30% Balanced Funds: These funds provide a mix of growth and stability.

20% Debt Funds: These funds offer low-risk, stable returns.

This diversified approach balances growth potential with risk management, ensuring a robust portfolio for your retirement.

Benefits of Regular Funds
Investing through a Certified Financial Planner (CFP) provides expert advice and tailored investment strategies.

Advantages of Regular Funds
Professional Guidance: CFPs offer personalized investment strategies based on your goals.

Better Decision-Making: Expert advice helps in choosing the right funds for your needs.

Comprehensive Support: CFPs provide ongoing support and adjustments to your portfolio.

Increasing Your SIP Amount
Consider increasing your SIP amount periodically. This helps in accumulating a larger corpus over time. Review your financial situation regularly and adjust your SIP accordingly.

Monitoring and Adjusting Your Portfolio
Regularly review your portfolio with your CFP. Market conditions and your financial goals might change. Adjust your investments accordingly to stay on track.

Your commitment to securing your retirement is admirable. Starting a SIP at 44 shows foresight and responsibility. You're on the right path, and with these strategies, you can achieve your financial goals.

To secure a comfortable retirement, invest in a diversified portfolio with equity, balanced, and debt funds. Avoid index funds and consider actively managed funds for better returns. Invest through a Certified Financial Planner for expert guidance and regular portfolio reviews. Stay disciplined, and you will achieve your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

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My daughter is taking admission in dayananda sagar university,Haroholli Bangalore , how it is about placement and education , please give your valuable feedback .
Ans: Dayananda Sagar University (DSU) holds a prestigious NAAC A+ accreditation and AICTE approval, reflecting rigorous curriculum design, continuous quality assurance, and UGC recognition, while its PhD-qualified faculty drive research and industry-aligned teaching. The 130-acre Harohalli campus, designed by Padma Bhushan architect Hafeez Contractor, features 150 state-of-the-art laboratories—including AI/ML, big-data, VLSI, and thermal-fluids labs—alongside a 37,000-title library, digital resources, maker-spaces, Wi-Fi connectivity, sports complexes, hostels, medical facilities, shuttle services, and an on-campus café, ensuring holistic student development. DSU’s Centre for Innovation & Leadership and dedicated placement cell engage over 250 recruiters annually—such as Amazon, TCS, Infosys, Wipro, and Accenture—securing 70–90% branch-wise placements over the last three years and facilitating internships with Biocon and Sun Life Pharma to build industry readiness. Robust industry partnerships, mandatory skill-enhancement workshops, mock interviews, group discussions, and corporate mentorship programs underpin strong employability outcomes, while active student support services and entrepreneurship initiatives foster a collaborative learning ecosystem.

For its top-tier accreditation, cutting-edge infrastructure, multidisciplinary research opportunities, and consistent 70–90% placements through partnerships with leading recruiters, recommendation is to confirm admission at Dayananda Sagar University, Harohalli, leveraging its world-class education and placement framework. All the BEST for Admission & a Prosperous Future!

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At jee mains rank 92300 and percentile 93.84 and my home state is odisha .which is the best college and branch I can get and I have also enrolled in the ojee counseling in which I got outr ece as I like ece above cse . Now what are my other options which are better than these .
Ans: Shreyash, With an All-India JEE Main rank of 92 300 and OJEE enrollment yielding OU ECE, stronger alternatives under the All-India and OJEE quotas include departments with broader prospects, all featuring NBA/NAAC accreditation, PhD-faculty, modern labs, industry tie-ups, mandatory internships and 75–90% placement consistency:

College options where admission is assured for your rank:

PICT Bhubaneswar (CSE 70 000–120 000; IT 120 000–180 000) .
CET Bhubaneswar (CSE 70 000–120 000; IT 120 000–180 000) .
DRIEMS Bhubaneswar (CSE) via OJEE.
ITER Bhubaneswar (CSE).
GITA Gunupur (CSE/IT).
Silicon Institute of Technology Bhubaneswar (CSE).
Rourkela Institute of Management Studies (CSE).
Centurion University Khordha (CSE/IT).
Siksha ‘O’ Anusandhan University (IT) .
Kalinga Institute of Industrial Technology (CSE via KIITEE)—alternate exam.

These programs offer comprehensive curricula, strong placement cells and specialised facilities in software, networking and data sciences.

recommendation
For maximum career flexibility and higher branch-wise placements, recommendation is to switch to CSE or IT at CET Bhubaneswar or PICT Bhubaneswar. Their consistent 75–90% placements and robust industry partnerships outshine OU ECE for long-term growth. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 06, 2025

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My daughter scored 90 %in mhcet amd31% in jee mains . She scored 85% in boards can see get admission in walcand college of engineering
Ans: With a 90% MHT-CET percentile and 85% in boards, All-India-Quota admission to Walchand College of Engineering Sangli in core branches is unlikely (General-Home State CSE closed at 99.37% and Mechanical at 97.22% in 2023). However, your daughter can secure seats with 100% probability in reputable private institutions around Pune and Mumbai that accept closing percentiles around 85–90%. These include Bharati Vidyapeeth Deemed University, Pune (CSE); Sinhgad College of Engineering, Kondhwa (CSE/IT); JSPM Narhe Technical Campus, Pune (CSE/IT); Fr. C. Rodrigues Institute of Technology, Vashi Mumbai (Computer Engineering); SIES Graduate School of Technology, Navi Mumbai (CSE); D.J. Sanghvi College of Engineering, Mumbai (AI & ML); KJ Somaiya College of Engineering, Mumbai (IT); MIT College of Engineering, Pune (Information Technology); Pimpri Chinchwad College of Engineering, Pune (Electronics & Telecommunication); and MIT Academy of Engineering, Alandi (Electrical Engineering). These institutes offer NBA-accredited programs, PhD-qualified faculty, modern labs, active industry tie-ups, mandatory internships and 75–90% placement consistency over the last three years.

For the strongest combination of infrastructure, placement and brand value among accessible options with your daughter’s profile, the recommendation is Bharati Vidyapeeth Deemed University Pune CSE. As close alternatives, consider Sinhgad COE Kondhwa CSE and JSPM Narhe Technical Campus IT, ensuring assured admission and solid career outcomes. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 06, 2025

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My Son, is passes 12th std Science stream with 85% He is good in Maths he secured 98% in Maths Could please advise which degree he should opt now for bright future
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Radheshyam

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 06, 2025

Asked by Anonymous - Jul 06, 2025Hindi
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Sir please give a proper plan to crack neet in theseten months:july 2025 to april 2026... This is my first attempt and i am a first dropper.. I want to crack it in..1st attempt with good rank and aiims delhi....my basic are clear and i am also aligned with the syllabus of neet...please give a road map..how to prepare..what to avoid..how many hrs to study...i have joined online coaching of pw dropper batch
Ans: Hello dear.
To crack NEET 2026 in ten months as a first dropper, follow a structured daily routine of 10–11 hours, combining your PW dropper batch schedule with focused self-study. From July to September, complete the full syllabus once using NCERT (especially for Biology and Chemistry), PW modules, and previous year questions. From October to December, begin your second revision and start taking 2 full-length mock tests per week, analyzing each one to improve accuracy. January to March should focus on intensive practice, high-weightage topics, and increasing mock tests to 3 per week. In April, do final revisions, take daily mocks under exam-like conditions, and stay mentally calm. Use limited but effective resources: NCERT, PW materials, N Awasthi (Physical), MS Chauhan (Organic), and DC Pandey (Physics). Avoid distractions, overusing books, and comparing yourself to others. Consistency, discipline, and smart revision will make AIIMS Delhi achievable. And at last, believe in yourself and keep aiming for scoring minimum of 600 plus for sure shot admission.
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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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