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Ramalingam Kalirajan |6292 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 27, 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 Suman on Jun 27, 2024Hindi

Money

Thank you sir for your kind suggestion. Sir how to connect you for planning the financial goals?

Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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 |6292 Answers |Ask -Follow

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

Asked by Anonymous - Apr 15, 2024Hindi

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Sir, I am ready to pay your advice charges. I am near to my retirement age means another 6 years to go so want to structure my future planning. I can discuss in person more about this. Please let me know how to contact you.

Ans: You can check the details in my profile please. https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137

Please search for "online financial planning & Retirement planning services with a Holistic Approach" in Google and then follow the below steps with the results.

Research: Start by researching reputable brokerage firms that offer mutual fund advisory services. Look for firms with a strong track record, experienced financial advisors, and a range of services tailored to your needs.

Consultation: Schedule a consultation with the brokerage firm to discuss your financial goals, risk tolerance, investment preferences, and other relevant factors. This initial meeting will help the advisor understand your needs and recommend suitable investment strategies.

Advisory Services: Once you've selected a brokerage firm, the advisor will work with you to develop a personalized mutual fund investment plan. They will recommend specific funds based on your financial objectives and provide ongoing guidance to help you navigate the market.

Regular Reviews: Schedule periodic reviews with your advisor to assess the performance of your mutual fund investments, review changes in your financial situation, and make any necessary adjustments to your investment strategy.

By following these steps, you can access the expertise of professional brokerages to assist you in financial planning and investment management.

Ramalingam Kalirajan |6292 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Question by Sheregar - Apr 30, 2024Hindi

Money

I need help in financial planning kindly connect me 1 to 1

Ans: I appreciate your trust and willingness to connect. Let's embark on this financial journey together. You can reach me at the details provided in my profile https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137 or just do a google search to find my website. This platform has restrictions to share the personal contact. Hope you understand.

Ramalingam Kalirajan |6292 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

Question by Jaganmohan - May 13, 2024Hindi

Money

Thank you for your prompt response Sir. May I know how to go about the financial planning please

Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned-below.
This platform has restrictions to share the personal contact. Hope you understand.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ramalingam Kalirajan |6292 Answers |Ask -Follow

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

Question by Vijay - Jun 26, 2024Hindi

Money

Good Evening Sir, Could you please provide me Financial Advisor / Planning, so that I can prepare my financial planning accordingly.

Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ramalingam Kalirajan |6292 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 20, 2024

Question by Sankar - Jul 19, 2024Hindi

Money

Sir. I would like to get your personal help in financial planning. How can i connect with you

Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Asked by Anonymous - Jun 26, 2024Hindi

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What should I choose for engineering nmims or mit wpu. I'm getting ce in nmims and ece in mit wpu.

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Tech Careers and Skill Development Expert - Answered on Sep 15, 2024

Asked by Anonymous - Sep 07, 2024Hindi

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My son is in 1st Year BTech in ETC . Sir pls how to go forward and which certification courses will help him in future

Ans: It's great that you're already thinking about how to build your son career from the very beginning. He has to focus on academics. Engage actively in all classes, labs, and assignments. Make a habit of asking questions and seeking clarity on concepts you don’t understand. Develop programming skills on programming language like Python. He has to decide about his future course of action, i.e. job, higher study like M.E. or MBA. Try to accrue skills suitability. Enroll in online courses. He can do suitable certification courses from NPTEL. It is free

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Tech Careers and Skill Development Expert - Answered on Sep 15, 2024

Asked by Anonymous - Sep 08, 2024Hindi

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So, currently I am in my final year of a 3 year bachelor's degree in biotechnology. I am so confused about what to do after. I am not that interested in going for research but, I definitely want to explore the entrepreneurial side of this field in future. In India, master's program in biotechnology are not that great (as far as I have researched). Is going for an MBA a better option or should I look for master's program abroad? Now the current market abroad is also struggling and the biasness against Indians is also increasing. What are the options and opportunities available for biotech graduates (bachelor's) immediately after getting out of college??

Ans: If your goal is to venture into the entrepreneurial side of biotech, pursuing an MBA in entrepreneurship or biotech management would provide you with the business acumen to succeed.
If you're keen on deepening your technical expertise, a master’s abroad in biotechnology could give you exposure to innovation and international markets.
For immediate post-bachelor's jobs, look for opportunities in biotech firms, government roles, or startups while building entrepreneurial skills through internships or certifications.

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Question by Manisha - Sep 10, 2024Hindi

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Sir which course is better with regarding in career opportunities btech in biotechnology or btech in cse ( artificial intelligence and machine learning)

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Insurance, Stocks, MF, PF Expert - Answered on Sep 15, 2024

Asked by Anonymous - Sep 15, 2024Hindi

Money

I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.

Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

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

Happy Investing!!

Dr Karthiyayini Mahadevan |1067 Answers |Ask -Follow

General Physician - Answered on Sep 15, 2024

Question by sunil - Sep 15, 2024Hindi

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I am 46 years old and a pulmonary hypertension patient since last two years and have also lungs fibrosis. I feel exhausted and short on breathe after a five minutes of walk. Advice on improving my normal fitness and proper respiration.

Ans: Practise Yoga from Kaivalyadhama or Krishnamacarya Yoga Mandiram
Lung fibrosis is a cause for your pulmonary hypertension
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Dr Karthiyayini Mahadevan |1067 Answers |Ask -Follow

General Physician - Answered on Sep 15, 2024

Asked by Anonymous - Sep 13, 2024Hindi

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I am 62 yrs old male. My bp is 100/85 on average . I am taking telma CT 40/12.5 empty stomach in morning for the last 3 months. Before that i was taking telma40 with bp of 135/100 on average. Should i again convert to telma40 instead of telmaCT40/12.5 now.

Ans: Telma 40 is a single drug which acts to regulate BP
Telma CT 40/12.5 is a combination of two drugs
You need to follow up with your Physician to wean off if necessary

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Sep 15, 2024

Question by Prashant - Sep 14, 2024Hindi

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which is the best college in india to pursue M tech in mechanical engineering

Ans: Hi
IITs are the most prestigious institution of India.

Radheshyam Zanwar |870 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 15, 2024

Question by K - Sep 15, 2024Hindi

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Msc biotechnology or mtech biotechnology help s for the students studied BTEC biotechnology

Ans: Hello K.
Both M.Sc. and M.Tech have different goals in career making. Choose M.Sc: If you're inclined towards research, academia, or plan to pursue a PhD. and M.Tech.: If you're more interested in the engineering, industrial, or applied aspects of biotechnology and want to work in industry. Both degrees can lead to good career opportunities, but it depends on whether your interests align more with research (M.Sc.) or technical applications (M.Tech.).

If you like the reply, pl like and follow. If dissatisfied, pl ask again.
Radheshyam

Asked on - Sep 15, 2024 | Answered on Sep 15, 2024

Ans: Welcome.
If satisfied, then pl follow right now.

Radheshyam Zanwar |870 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 15, 2024

Question by Dharsha - Sep 15, 2024Hindi

Career

Which online coaching is better for online iitjee success

Ans: Hello Dharsha.
You used the words success and online coaching for Jee. Success never depends upon joining either online or offline coaching. You have to study on your own and consistently. There are many online learning platforms. To list some of them are, Allen, Vedantu, Byju's, PW, Aakash, and many more. It is better to visit the NTA website for a free online test series and test all the platforms from a teaching and test series point of view. Everybody's test is different. Hence, first, check and then decide which is suitable for you. We can't recommend a particular name from a success point of view. Join any suitable platform, study hard, appear for tests regularly, finish the syllabus in time, revise it at least 2-3 times, do calculations at lightning speed, and collect the material in hard and soft copy form. Success will be there.
Best of luck for your upcoming JEE exam.

If you like the reply, pl like and follow. If dissatisfied, pl ask again.
Radheshyam

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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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