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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Mar 23, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Kiran Question by Kiran on Mar 20, 2023Hindi
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Please tell about two mutual funds in which I should invest two lac rupees for a long time (8 to 10 year) and tell about two SIP in which I should invest rs. 5000/- per month

Ans: Hi Kiran. Thank you for writing to me. As you mention you have a corpus of Rs.2 Lakh you can invest, I advise you to start a Systematic Transfer Plan by first investing the amount in a liquid fund or overnight fund and then the fund would house would automatically redeem an amount from the liquid fund and invest it into an equity scheme. This way you get the benefits of rupee cost averaging.

You can consider starting a Systematic Transfer Plans as follows:

1-Invest Rs.1 Lakh into Samco Overnight Fund and start a Monthly STP of Rs.5,000 investing into Samco Flexicap Fund.

2-Invest Rs.1 Lakh into Edelweiss Liquid Fund and start a monthly STP of Rs.5,000 investing into Edelweiss Nifty 100 Quality 30 Index Fund.

For the additional SIP's, you can consider investing in:
1-DSP Quant Fund-Rs.5,000 per month.
2-UTI MNC Fund-Rs.5,000 per month.
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

Ramalingam Kalirajan  |8171 Answers  |Ask -

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

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Please tell about two mutual funds in which I should invest two lac rupees for a short time (3 to 5 year) and tell about two SIP in which I should invest Rs. 5000/- per month
Ans: Optimal Mutual Funds and SIPs for Short-Term Investment Goals
Investing in mutual funds and Systematic Investment Plans (SIPs) can be an effective strategy for achieving short-term financial goals. Here are recommendations for mutual funds and SIPs suited for a short investment horizon of 3 to 5 years.

Assessment of Short-Term Investment Goals

Before selecting mutual funds and SIPs, it's crucial to assess your short-term investment goals. Consider factors such as the timeframe for achieving your goals, your risk tolerance, and the liquidity requirements of your investments.

Selection of Mutual Funds for Lump Sum Investment

For a short-term investment horizon of 3 to 5 years, it's essential to prioritize capital preservation while seeking reasonable returns. Here are two mutual funds suitable for lump sum investments:

Low-Duration Debt Fund: Low-duration debt funds invest in fixed-income securities with short to medium-term maturities, offering relatively stable returns with lower interest rate risk. These funds are ideal for investors seeking safety and liquidity over short periods.

Conservative Hybrid Fund: Conservative hybrid funds allocate a majority of their assets to debt instruments and a smaller portion to equities, providing a balance between stability and growth. These funds are suitable for investors looking for modest capital appreciation with lower volatility.

Selection of SIPs for Monthly Investments

Systematic Investment Plans (SIPs) allow investors to invest a fixed amount regularly in mutual funds, promoting disciplined investing and rupee cost averaging. Here are two SIP options suitable for monthly investments of Rs. 5000:

Large Cap Equity Fund SIP: Large-cap equity funds invest in blue-chip companies with a track record of stable earnings and strong fundamentals. These funds offer relatively lower volatility and are well-suited for investors with a conservative risk appetite seeking long-term capital appreciation.

Balanced Advantage Fund SIP: Balanced advantage funds dynamically allocate assets between equity and debt based on market conditions, aiming to capitalize on opportunities while managing downside risk. These funds provide a balanced approach to investing and are suitable for investors seeking a blend of growth and stability.

Risk Mitigation and Diversification

While investing in mutual funds and SIPs for short-term goals, it's essential to diversify your portfolio across asset classes and fund categories to mitigate risk. Additionally, regularly review your investments and make necessary adjustments to align with changing market conditions and financial goals.

Conclusion
Selecting the right mutual funds and SIPs is crucial for achieving short-term financial goals while balancing risk and return. By considering your investment horizon, risk tolerance, and investment objectives, you can build a diversified portfolio that aligns with your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8171 Answers  |Ask -

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

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Dear Sir, I am 40 years old and i want to invest Rs.10,000/- per month through SIP in Mutual Funds for the period of 10 Years. Currently No investments in Stocks & Mutual Funds, Please suggest in which funds i have to invest.
Ans: Investing Rs. 10,000 per month through SIPs in mutual funds over a 10-year period is a prudent step towards building wealth. Here's a diversified portfolio suggestion to consider:

Large Cap Funds: Allocate a portion of your investment to large-cap funds for stability and steady growth. These funds invest in well-established companies with a track record of performance and stability.
Mid Cap Funds: Diversify your portfolio by investing in mid-cap funds, which focus on companies with moderate market capitalization. These funds have the potential for higher growth compared to large caps but come with slightly higher risk.
Multi Cap Funds: Invest in multi-cap funds to gain exposure across companies of various sizes, providing diversification and flexibility. These funds have the flexibility to invest in large, mid, and small-cap stocks based on market conditions.
Balanced Advantage Funds: Consider allocating a portion of your investment to balanced advantage funds, which dynamically manage their equity exposure based on market valuations. These funds aim to provide stable returns across market cycles.
Index Funds: Include index funds in your portfolio for low-cost exposure to broad market indices like Nifty or Sensex. These funds replicate the performance of the underlying index and offer diversification at a lower expense ratio.
International Funds: Explore international funds to diversify your portfolio geographically. These funds invest in companies listed outside India, providing exposure to global markets and currencies.
Remember to conduct thorough research or consult with a Certified Financial Planner before investing. They can help tailor a portfolio based on your risk tolerance, investment goals, and time horizon. Additionally, regularly review your portfolio's performance and make adjustments if needed to stay on track towards your financial objectives.

..Read more

Ramalingam

Ramalingam Kalirajan  |8171 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 15, 2024

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Hi I am 35 years old , I want invest 7500 monthly SIP in mutual funds pls suggest me the right mutual funds for long term investment.
Ans: At 35 years old, it’s essential to plan investments with a long-term focus. Investing Rs. 7,500 per month in mutual funds through SIP for the long term can help you build significant wealth over time. Your goal should determine how you allocate these funds among different categories of mutual funds.

Key points to consider:

How long do you want to invest?
What is your risk tolerance?
What are your future financial needs, such as retirement, children’s education, or any other goals?
Since you’re considering long-term investment, a mix of equity mutual funds with good growth potential would be the ideal choice. Equity funds have shown the ability to outperform other asset classes over a longer duration.

Let’s explore how you can achieve this with mutual funds.

Understanding the Importance of Diversification

Diversification is the key to a well-rounded investment strategy. For your Rs. 7,500 SIP, dividing your investments across different types of mutual funds is essential to minimize risk while maximizing returns.

Here’s how diversification can help:

Equity funds provide higher returns over the long term but come with higher risk.

Debt funds offer stability and lower risk but might give comparatively lower returns.

For a long-term SIP, focusing on equity funds can offer you the growth needed, but you can also add some debt funds for stability.

Opting for Actively Managed Funds

Actively managed mutual funds allow a professional fund manager to pick stocks and assets that can outperform the market. The goal of actively managed funds is to earn higher returns than an index. Unlike index funds that follow a specific benchmark, actively managed funds can adjust the portfolio depending on market conditions. This makes them better suited for long-term growth when compared to index funds.

Why should you prefer actively managed funds over index funds?

Higher potential returns: Fund managers can pick promising stocks.
Flexibility: They can adjust to market changes faster.
Active risk management: Professional fund managers manage risks actively.
Investing in regular funds through a Certified Financial Planner (CFP) ensures you get personalized advice. You also benefit from professional expertise, and regular funds give you access to this expertise, which is essential for long-term success.

Allocation Strategy Based on Your Risk Appetite

When investing for the long term, balancing risk and reward is critical. Here’s a strategy to allocate your Rs. 7,500 monthly SIP:

Large-Cap Funds: These invest in well-established companies with a strong market presence. They provide stability and consistent growth over time. A large portion of your SIP, say Rs. 3,000, can go into these funds for a solid foundation.

Mid-Cap Funds: These funds invest in medium-sized companies that have growth potential. These companies are riskier than large-cap companies, but the returns can be higher. You can allocate Rs. 2,000 to mid-cap funds to add growth potential.

Small-Cap Funds: Small-cap companies can offer very high returns but are volatile and come with higher risk. Allocating Rs. 1,000 to small-cap funds can provide a high-growth kicker.

Flexi-Cap Funds: These funds invest in companies of all sizes based on market conditions, making them more versatile. You can allocate Rs. 1,500 to flexi-cap funds for flexibility and a diversified approach.

This approach ensures your investment is spread across various sectors and sizes of companies. It balances risk and reward while aiming for long-term growth.

Why You Should Avoid Index Funds

Index funds may seem appealing because of their low cost, but they come with limitations. Index funds passively track a benchmark like the Nifty 50 or Sensex. As a result, they do not aim to beat the market, only match its performance.

Disadvantages of index funds:

Lack of flexibility: They can’t adjust to market changes.
Lower potential returns: Over the long term, actively managed funds have the potential to outperform index funds.
No risk management: Index funds don’t adjust to market downturns, so during market corrections, they might underperform.
Given your long-term horizon, actively managed funds are better suited because they provide more opportunities for superior returns.

Benefits of Regular Funds over Direct Funds

Some investors prefer direct funds for lower expense ratios. However, investing through a regular plan with the help of a CFP offers significant benefits. A CFP ensures that your investments align with your long-term financial goals and risk profile.

Benefits of regular funds:

Expert guidance: Investing through a CFP ensures you have professional advice.
Timely rebalancing: A CFP can help with portfolio rebalancing as market conditions change.
Regular monitoring: You get periodic reviews of your portfolio.
Personalized advice: Investments are chosen based on your specific needs.
While direct funds may have lower costs, the added value you receive from professional management far outweighs this small expense.

Why Avoid ULIPs and Investment-Linked Insurance

While you may hear about market-linked insurance products such as ULIPs, they are not ideal for long-term wealth creation. The costs involved are much higher compared to mutual funds. ULIPs combine insurance with investment, which means you pay for both, often leading to lower returns. Mutual funds are a better vehicle for wealth creation over 25 years.

Disadvantages of ULIPs:

High charges: ULIPs have higher fees, reducing overall returns.
Lock-in period: You are locked into the policy for at least 5 years.
Lower flexibility: You don’t have the freedom to switch easily between investment options.
Taxation on Mutual Funds

It's essential to understand the tax implications of mutual funds.

For equity mutual funds, long-term capital gains (LTCG) are taxed at 12.5% if your gains exceed Rs. 1.25 lakh in a financial year. Short-term capital gains (STCG) are taxed at 20% if you sell within one year.

For debt mutual funds, both LTCG and STCG are taxed according to your income tax slab. This makes debt funds slightly less tax-efficient compared to equity mutual funds.

Knowing these tax rules helps you plan your withdrawals effectively, especially when you have built up a significant corpus over time.

Systematic Investment Plan (SIP) for Discipline

SIP is an excellent way to build wealth over time. By investing Rs. 7,500 every month, you are using the power of compounding to grow your wealth. SIPs help in:

Averaging market volatility: You buy more units when prices are low and fewer when prices are high.

Creating discipline: SIPs ensure regular investment without needing to time the market.

Long-term growth: Compounding over time can turn small monthly investments into a significant corpus.

Regular Review of Investments

Reviewing your investments regularly ensures they align with your changing financial goals. Every 6 months to a year, sit with your CFP to assess your portfolio's performance. Based on market conditions and your evolving needs, adjustments can be made to enhance returns or manage risks.

Key points for a review:

Rebalancing: Ensure that the asset allocation matches your original plan.

Performance tracking: Evaluate if any fund underperforms and needs replacement.

Future needs: Align your portfolio with upcoming financial goals, such as buying a home or retirement planning.

Finally

At 35, you have the advantage of a long investment horizon, which can significantly increase your wealth through mutual funds. By sticking to a disciplined approach and using SIPs, you can maximize your returns. Focus on actively managed funds for their higher potential and flexibility. Avoid ULIPs, annuities, and index funds for your long-term goals.

Also, remember the importance of reviewing your portfolio regularly and maintaining diversification. This will give you the best chance of achieving a substantial corpus.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Mayank

Mayank Chandel  |2155 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

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My Son is in now in 12th Std and is preparing to answer NEET-UG in 2027. He is studying in Integrated Coaching Academy from 11th Std onwards. Although he is getting through the coaching classes and Self Studies, would like to know your expert advise to Follow the Study pattern to score good marks.
Ans: Hello Sanjay Ji
Below is my advice, please check if you find it helpful
Create a Structured Study Plan
Daily Routine: Ensure he follows a well-planned timetable covering all three subjects—Biology, Physics, and Chemistry—every day.

Balance Coaching & Self-Study: Coaching provides guidance, but self-study is where actual learning happens. He should revise daily what was taught in class.

Fixed Study Hours: At least 6-8 hours of effective self-study beyond coaching hours.

Subject-Wise Strategy

Biology (50% weightage, high-scoring)
NCERT is key—revise line by line.
Make short notes for revision.
Diagrams & flowcharts for quick recall.
Solve MCQs from previous years and coaching materials.

Chemistry
Physical: Focus on formulas and problem-solving techniques.
Inorganic: Memorization is essential—use mnemonics and charts.
Organic: Understand reaction mechanisms, practice conversions, and focus on named reactions.

Physics
Strengthen concepts—don’t just memorize formulas.
Derivations help in understanding applications.
Solve numerical problems daily, especially from HC Verma, DC Pandey, or coaching materials.
Work on previous years’ NEET Physics questions.

Practice & Revision
Regular Tests: Take topic-wise, chapter-wise, and full-length mock tests.
Time Management: Solve NEET papers within 3 hours to simulate exam conditions.
Error Analysis: After every test, analyze mistakes and avoid repeating them.
Revision Strategy: Use the Feynman technique—explain concepts to yourself or someone else.

Mental & Physical Well-being
Avoid Burnout: Take short breaks
Healthy Lifestyle: Proper sleep (6-8 hours), exercise, and a balanced diet.
Stay Motivated: Have a vision board of goals, track progress, and maintain a positive mindset.

Hope you find this helpful.

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Mayank Chandel  |2155 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Asked by Anonymous - Mar 31, 2025Hindi
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Mayank Chandel  |2155 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

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Mayank Chandel  |2155 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 01, 2025

Asked by Anonymous - Apr 01, 2025Hindi
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BIT Mesra CSE or NIT Raipur CSE what to choose?
Ans: Hi
Between BIT Mesra CSE and NIT Raipur CSE, here’s a comparison based on key factors:

1. Academics & Reputation:
BIT Mesra has a strong reputation for CSE, with a well-structured curriculum and good faculty.

NIT Raipur is an NIT, which holds a national-level prestige, but its CSE department is not as highly ranked as top-tier NITs.

2. Placements:
BIT Mesra CSE has excellent placements, with higher average and median packages compared to NIT Raipur. Top companies like Google, Amazon, Microsoft, and Goldman Sachs visit the campus. The average package is around 18–20 LPA, and the highest goes above 50 LPA.

NIT Raipur CSE has decent placements, but the average package (8–10 LPA) is lower compared to BIT Mesra.

3. Campus & Infrastructure:
BIT Mesra has a better campus, labs, and infrastructure compared to NIT Raipur.

NIT Raipur is improving, but its facilities are still developing.

4. Alumni Network & Brand Value:
BIT Mesra has a strong alumni network with good industry connections, especially in tech.

NIT Raipur, being an NIT, offers the NIT tag, which helps for government job preferences but isn’t as strong in CSE placements compared to BIT Mesra.

5. Coding Culture & Competitions:
BIT Mesra has an excellent coding culture, with students excelling in ICPC and open-source projects.

NIT Raipur has an average coding culture, but motivated students can still do well.

Final Verdict:
Choose BIT Mesra CSE if your priority is better placements, infrastructure, and coding culture.
Choose NIT Raipur CSE if you strongly prefer the NIT tag and government job advantages.

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Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 01, 2025

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Relationship
I am in relationship with a girl for 6 year but now her parents almost fix her arrange marriage and they dont care about her choice they didnot even consider her opinion about the boy they met ..except her everyone in family like the boy because he is rich and handling his father business and here i am i dont have job i am preparing for government job i asked her family please give me some time i,ll get the job this year but they say we cant agree for the possibility of you getting job or not and her mother say we dont allow intercaste marriage i am sc and she is general and pandit .. i am 26year old what should i do .. i think ab uske parents jada jaldi krre hai shadi k loye because unhone merse baat krli to unko dhr hai ki m kuch esa vsa na krdu jisse unki society me respect vghra ko khtra hoga isliye or vo jada rishtedaro ki sunre hai... mne apni gf ko bola hai ki filhal jb tk job nhi lgti meri tb tk unhe boldo ki mere sath ab kuch nhi h that she blocks me or vo apni side se tb tk rishtey ko mna krti rhe pr uske ghr vale uska opinion about boy consider hi ni krre hai jo unke rishtedaro ne discuss krliya ladka thik h to unhone usko haan boldi ... mujhe kya krna chaiye...her parents do all emotional blackmail to her as today they even touched her feet and said hme pta h tere liye kya shi h hmne tko pala h kuch bhi esa nhi krdio jisse hmari ijat khrab hojaye m pagal hojaunga Esi dhamkiya dere h ... or usko b kse jo rishte are h unko mna kre jisse ye na lge ghr valo ko ki mere karan naa kre jare h or rishtedaro ka b dominance kse km kre bhot sare doubts h kya krna chaiye kuch nhi smjh ara h
Ans: Dear solar,
In sab ke beech, aapke girlfriend ka kya kehna hai? Woh aapne bataaya nahin. Kya woh apne parents ko tall sakegi aur kitni der kar paayegi? Kya woh aapke jon lagne tak intezzar karna chahti hai? Aisa lag raha hai ki is rishte ka wazan aap leke ghoom rake ho...thoda apne girlfriend ke saath baithkar plan kijiye taaki woh bhi aapke saath is samasya ka hal dhoond sake.
Ek baat toh hai ki uske parents ko manaana mushkil hoga aur jab tak aapki job nahin lagti woh is rishte ke liye raazi nahin honge. Toh plan yeh karna ki jab tak aapki naukri lage, tab tak aap dono is baat ko aur is samasaya ko aur uske parents ko kaise sambhalenge. Joh bhi ho saath mein milke plan karna.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 01, 2025

Asked by Anonymous - Mar 05, 2025Hindi
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Relationship
I am married 44 and wife 41 with loving twin daughters. Apart from minor compatibility issues she hates my sister's and keep shouting with his parents who almost every year come to my house and stay for 2 to 3 months. They are financially independent but they could just not let go her daughter to take it independent decisions. I never reply back to them due to my daughter's and social shaming fear. They will never settle for a mutual divorse and I don't want the trauma of court. It's very painful when I see my wife suffering when she is shouting. I even feel pain when I see my in laws in pain due to their daughter's suffering. My parents always want us to settle thing and never interfere in negative way. They keep fighting with me mostly for my mistakes/words of history. (I still think I haven't done anything wrong or used wrong words. Her parents now don't leave or visit their son's home due to issues with their daughter in law. I tried of leaving separately for few months but they did not agree. I have once slapped my wife. I almost tried sucide twice but could not do it as my parents will not survive this news. My parents and sisters want me to be happy with her. What options do I have except sucide/court.
Ans: Dear Anonymous,
Forget everyone... Marriage is between two people and only they matter. You can't see your wife in pain, right? Then there's obviously affection still left for her. Work this out as a couple. Take a vacation away from in-laws, sister, parents...people can complicate matters more than the couple themselves...The two of you do need this time by yourselves to rebuild your marriage. Do it with an intention to work things out and you maybe surprised as to how things can get rebuilt between the two of you.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

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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