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Should I Invest in Mutual Funds? A 25-Year-Old's Dilemma.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 28, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by Mehernosh on Sep 28, 2024Hindi

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HI Team, Please guide me for investing 15 lakhs in different MF for long term

Ans: Hello;

You may invest your corpus(15 L) in the proportion of 40:40:20 in the following type of mutual funds;

1. Flexicap fund(PPFAS flexicap fund)40%
2. Large and Midcap fund (Mirae Asset Large and Midcap fund) 40%
3. Small Cap fund (Nippon small cap fund) 20%.

These funds are proposed for long term horizon.

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Happy 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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Question by Kiran - Mar 19, 2021Hindi

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I am an NRI, 43. I want to invest 5 lakh every year for next 10 years in MFs. Please advise.

Ans: Rs. 10000 in each per month

Axis ESG Equity fund – Growth
UTI Flexi Cap fund – Growth
PPFAS Flexi Cap – Growth
DSP Quant Fund – Growth

Hardik Parikh | Answer |Ask -Follow

Tax, Mutual Fund Expert - Answered on Apr 25, 2023

Question by Wasif - Apr 23, 2023Hindi

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Hi, I am 45 years. I can invest 50K per month in MF for 15 years for a good return to secure my life after 60. Please guide. Thank you.

Ans: Hello Wasif,

Thank you for reaching out and considering mutual funds as an investment option for your financial goals. It's great to see that you are planning for your life after 60, and I am here to help you make the right decisions.

Given your age, investment horizon, and the amount you can invest, I would recommend a balanced approach that combines both equity and debt mutual funds. This approach would help you achieve growth while minimizing risk over the long term.

Here's a potential investment plan for you:

Equity Mutual Funds (70% allocation): Since you have a 15-year investment horizon, it would be wise to allocate a significant portion of your investment to equity mutual funds, which have the potential to offer higher returns over the long term. Diversify your equity investments by choosing a mix of large-cap, mid-cap, and small-cap funds.
Debt Mutual Funds (30% allocation): Allocate the remaining portion to debt mutual funds to provide stability and cushion against market volatility. You can consider investing in corporate bond funds, banking and PSU debt funds, or short-term debt funds based on your risk appetite.
Ensure that you review your portfolio periodically and make adjustments as needed to maintain the desired asset allocation. Keep in mind that investing in mutual funds is subject to market risks, and it's essential to have a long-term perspective and patience to achieve your financial goals.

Additionally, consider consulting a financial advisor to help you select the right funds based on your risk profile and financial objectives. Remember that the key to successful investing is consistency and discipline, so stick to your monthly investment plan without fail.

I hope this helps you make an informed decision. Wishing you all the best in securing a comfortable life after 60!

Ramalingam Kalirajan |9255 Answers |Ask -Follow

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

Asked by Anonymous - Dec 20, 2023Hindi

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Hi I want to invest 50 lakh in MF to get 4 to 5 crore in how many years and where I should invest please advice.

Ans: Investing Rs. 50 lakh in mutual funds with the aim to reach Rs. 4 to 5 crore requires a systematic and disciplined approach over a considerable investment horizon. The time frame for achieving this goal largely depends on factors like the expected rate of return, the type of mutual funds chosen, and market conditions.

To potentially achieve this target, consider investing in a mix of equity mutual funds across various categories such as large-cap, mid-cap, and multi-cap funds, as well as potentially some exposure to small-cap funds for higher growth potential. Historically, equity investments have provided higher returns over the long term compared to debt investments, although they come with higher volatility.

It's important to understand that investing in mutual funds involves market risk, and returns are not guaranteed. Hence, it's crucial to have a long-term investment horizon and stay invested through market ups and downs.

Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation, risk tolerance, and investment goals. Together, you can create a customized investment plan to help you work towards your target of reaching Rs. 4 to 5 crore.

Ramalingam Kalirajan |9255 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

Question by Ramprasad - May 14, 2024Hindi

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Dear sir, I am now 37yr old, and I am investing in 4 parts as Tata Aia paaram rakshyak-10k, Quantam elss mf-5k Nippon India mf- 5k Icici pru signature mf-5k Total 25k monthly, so can you please guide me either I am doing right investment for get a good return in next 10 year with a amount of 3 CR. and request to you please suggest me to invest in any other MF. Please suggest

Ans: It's fantastic to see your proactive approach towards investing and planning for your financial future. At 37, you're at a pivotal stage where strategic investments can pave the way for substantial wealth accumulation. Let's delve into your current investment strategy and explore avenues to optimize returns while aiming for your target of ?3 crore in the next 10 years.

Commending Your Initiative

Firstly, kudos to you for taking the initiative to invest and secure your financial future. Your commitment to monthly investments showcases a disciplined approach towards wealth creation, which is commendable.

Evaluating Your Current Investments

Let's analyze your existing investment portfolio to gauge its potential to achieve your financial goals. You've allocated your investments across different avenues, including insurance and mutual funds, which reflects a diversified approach.

Assessing Investment Avenues

While your current investments exhibit diversity, let's explore additional avenues to enhance your portfolio's growth potential. Here's how we can optimize your investment strategy:

Equity Mutual Funds: Considering your investment horizon of 10 years, equity mutual funds offer the potential for higher returns. We'll focus on selecting funds with a strong track record of performance and reputable fund management teams.

Debt Mutual Funds: To balance risk, we'll allocate a portion of your investments to debt mutual funds. These funds provide stability to your portfolio and serve as a hedge against market volatility.

Systematic Investment Plans (SIPs): Leveraging SIPs allows you to benefit from rupee cost averaging and invest systematically over time, irrespective of market fluctuations.

Benefits of Actively Managed Funds

Actively managed mutual funds offer several advantages over passive index funds or ETFs:

Professional Expertise: Skilled fund managers actively monitor market trends and adjust portfolio allocations to capitalize on growth opportunities, potentially leading to higher returns.

Dynamic Allocation: Actively managed funds have the flexibility to adapt to changing market conditions, enabling fund managers to optimize returns and mitigate risks.

Disadvantages of Direct Funds

Direct funds require investors to conduct independent research and select funds without professional guidance. This approach can be challenging and time-consuming, especially for investors lacking financial expertise.

Benefits of Regular Funds Investing through MFD with CFP Credential

Investing through a Certified Financial Planner (CFP) credentialled Mutual Fund Distributor (MFD) offers several benefits:

Personalized Advice: A CFP-certified MFD provides tailored investment advice based on your financial goals and risk tolerance, ensuring your portfolio aligns with your objectives.

Access to a Wide Range of Funds: MFDs offer access to a diverse range of mutual funds, enabling you to build a well-rounded investment portfolio tailored to your needs.

Final Words

As you embark on this journey towards wealth creation, remember that consistency, patience, and prudent decision-making are key. By diversifying your investments, leveraging the expertise of certified professionals, and maintaining a long-term perspective, you're well-positioned to achieve your financial aspirations.

Warm Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |9255 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

Question by Siddharth - Jun 05, 2024Hindi

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Hi sir right now 22 I want to invest in MF around 2500 per month for next 28 years suggest some best MF

Ans: Investing in mutual funds is a smart decision. It's a great way to build wealth over time. Starting at 22 gives you a long investment horizon, which is advantageous.

Benefits of Mutual Funds
Diversification: Spreading risk across various assets.
Professional Management: Managed by experienced fund managers.
Liquidity: Easy to buy and sell.
Convenience: Suitable for different financial goals.
Evaluating Investment Options
Avoid index funds. They often track market indices passively. This means lower returns compared to actively managed funds.

Disadvantages of Index Funds:

Lower Flexibility: Limited to the index performance.
No Active Management: No adjustments based on market conditions.
Potential for Mediocre Returns: Follows the average market performance.
Instead, consider actively managed funds. They aim to outperform the market. Professional fund managers adjust the portfolio based on market trends.

Benefits of Actively Managed Funds
Higher Return Potential: Aims to beat the market.
Professional Management: Fund managers actively monitor and adjust the portfolio.
Flexibility: Can adapt to market changes.
Regular Funds vs Direct Funds
Investing through a Certified Financial Planner (CFP) has distinct advantages over direct funds.

Disadvantages of Direct Funds:

Lack of Professional Guidance: No expert advice.
Time-Consuming: Requires constant monitoring.
Higher Risk: Without professional insights, the risk increases.
Benefits of Regular Funds with CFP:

Professional Advice: Access to expert insights.
Better Decision Making: Informed investment choices.
Regular Monitoring: Constant portfolio reviews and adjustments.
Risk Management: Strategies to mitigate potential risks.
Recommended Strategy
Diversified Portfolio: Invest in a mix of large-cap, mid-cap, and small-cap funds.
Systematic Investment Plan (SIP): Invest Rs 2500 monthly via SIP.
Long-term Horizon: Continue investing for the next 28 years for optimal returns.
Steps to Start
Choose a Reliable Fund House: Ensure credibility and good track record.

Consult a Certified Financial Planner: Get personalized advice.

Start SIP: Automate your monthly investments.

Review Regularly: Monitor and adjust based on performance.

Final Insights
Starting early with mutual funds is commendable. By avoiding index funds and opting for actively managed funds, you can aim for better returns. Investing through a CFP provides professional guidance, ensuring informed decisions and effective risk management. Keep investing consistently, review periodically, and stay focused on your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Radheshyam Zanwar |4309 Answers |Ask -Follow

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My daughter got 94.3 percentile in mhtcet maharashtra domicile. She wants to do electrical and electronics engineering. Can she get good options in Mumbai or Pune. She has secured category 1 seat in vit chennai for electrical and electronics engineering with minor cse.

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Drop the idea of VIT Chennai if possible, till the final rounds of state counseling end. Your daughter has bright chances to get a seat in electrical engineering, most probably in a government college or in private colleges in Pune and Mumbai.
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Sir with 289 in BITs what branch my ward an get ... we have got in Josaa round2 CSE in NIT Goa and Cse in Manipal main campus ...which we shall go for kindly guide

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Recommendation: Choose NIT Goa CSE for its consistent 100% placement record in recent years, prestigious government institute status, and strong average packages; opt for Manipal main campus CSE if you prefer superior infrastructure, larger recruiter base, and private university flexibility, though placement rates are comparatively lower than NIT Goa's proven track record. With 289 marks in BITSAT 2025, your ward can secure admission at BITS Goa and BITS Hyderabad campuses. The expected cutoffs for 289 marks include: BITS Goa - Electronics & Communication Engineering (252-293), Electrical & Electronics Engineering (247-283), Mechanical Engineering (216-260), or Chemical Engineering (197-245); BITS Hyderabad - Electronics & Communication Engineering (258-296), Electrical & Electronics Engineering (246-290), Mechanical Engineering (209-260), Chemical Engineering (197-245), or Civil Engineering (195-240). With this score, Computer Science and Engineering remains inaccessible at all BITS campuses as cutoffs range from 279-316 at BITS Goa to 288-308 at BITS Hyderabad. NIT Goa's Computer Science Engineering achieved 86.36% placement in 2024 with an average of ?11.02 LPA, while CSE recorded 100% placement in 2022-23 with ?13.4 LPA average package. Manipal Institute of Technology main campus CSE maintains 77% placement rate for 2025 with an overall average package of ?11.76 LPA, supported by 230+ recruiters including Amazon, Microsoft, and Bosch, though branch-specific CSE data shows approximately 81% placement with ?13.1 LPA average. Both NIT Goa and Manipal offer robust placement support, modern infrastructure, and industry connections, but NIT Goa provides government institute prestige while Manipal offers superior campus facilities and larger recruiter diversity.

Recommendation: Choose NIT Goa CSE for its consistent 100% placement record in recent years, prestigious government institute status, and strong average packages; opt for Manipal main campus CSE if you prefer superior infrastructure, larger recruiter base, and private university flexibility, though placement rates are comparatively lower than NIT Goa's proven track record. All the BEST for the Admission & a Prosperous Future!

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Sir I got 92 percentile in mh cet pcb I have 84 % in Maharashtra board now I am confused either to pursue food tech, pharmacy,bsc agri so which branch and college will I get?will it be a better option and is career options good in any of the branch will I get best gov college?

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Asked by Anonymous - Jun 29, 2025Hindi

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Asked by Anonymous - Jun 29, 2025Hindi

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Sir I have one doubt sir in this year 70k students in appear the IAT 2025 exam but sir My brother rank is showing 1,lakh rank I didn't understand how could this possible ????????

Ans: Hello dear. We are not able to comment on the issue you raised. Please contact the respective examination conducting agency for further clarification.
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Asked by Anonymous - Jun 29, 2025Hindi

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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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