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Ramalingam Kalirajan |6275 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 |6275 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 |6275 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 |6275 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 |6275 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 |6275 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

Latest Questions

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Insurance, Stocks, MF, PF Expert - Answered on Sep 12, 2024

Question by BISWAJIT - Jun 26, 2023Hindi

Money

Sir , i am 57yrs old. within 1 yr i am retired. So pls guide me , how i invest 30 laks in swp system and how many return from here . Also request you suggest the mf name where i invest.

Ans: You can invest 30 Lac as lumpsum in conservative hybrid(debt oriented) fund. Based on 5 year return yardstick Kotak hybrid debt fund and SBI Conservative hybrid fund are the 2 recommendations.

It will be better if you stay invested in this fund for 5 year and let the corpus grow. After 5 years you can expect a corpus of around 50 Lacs(10%+ return assumed)

Then you can start your SWP at the rate of say 5% per year which will translate into monthly payout of around 21K.

However if you need immediate pension then you can invest in PO monthly income scheme(7.4% rate;5yr tenure) upto 9 L in your name and another 9 L in the name of your spouse or other family member. It is a safe scheme since backed by GOI. For the balance 12 L you can do 3 FDs of 4 L each in reputed banks.

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

Milind Vadjikar |116 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 12, 2024

Asked by Anonymous - Nov 07, 2023Hindi

Money

My date of exit is wrongly put in epf account. I will try to give joint declaration form, but my compay liquidator not give sign. My company pay(epf payment) only 2013. But i am regin in 2015. I am 59 year old. Give solutio n.

Ans: If your employer has not made the statutory EPF contributions then you can file a legal case.

For wrong DOE, joint declaration form is the right way, if the employer is not co-operating then you can talk to EPF officials about the same with documentary evidence. They may consider it, else you can file online grievance through EPFO grievance management system.

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Asked by Anonymous - Sep 12, 2024Hindi

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Hello Mam, I'm 49 years male, having Triglycerides -242, LDL Cholestrol - 96 , VLDL Cholestrol - 49, HDL Cholestrol - 43. Apart from that I have Thyroid T3 - 2.97, T4 - 0.93 and TSH - 4.83. I have been doing morning brisk walk for about 40 minutes and doing pranayam (majorly kapal bhati, kumbhak, anulom vilom, bhramri (8-10 minutes) for 45 min daily for the past 2 months without break. My question to you is , first- by doing brisk morning walk and pranayam daily will my cholestrol and thyroid level will be within the range. Secondly I get iritiated and lose my temper quite often, do the above said exercise will help me in controlling my anger / irritiability and quitting use of tobacco. Please help me.

Ans: Namaste!
You already know the answer. Disease is nothing but a manifestation of a troubled mind. Calm the mind and the results on the body will be miraculous

Nayagam P P |3682 Answers |Ask -Follow

Career Counsellor - Answered on Sep 12, 2024

Asked by Anonymous - Aug 08, 2024Hindi

Career

What are the career option after doing 2 years of apprenticeship at google

Ans: Number of Apprenticeship programs are offered by Google in various disciplines such as, Sales | Market, Software, Customer Engineering | Data Analytics | Digital Marketing | IT | Software | Project Management | Data Center Technician | Application Development | Interactive Media Designer | Digital Business | HR etc. Career options depends upon which one of the disciplines, offered by Google, you are doing. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Milind Vadjikar |116 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 12, 2024

Question by Soumendra - Sep 12, 2024Hindi

Money

I am 71 years and retires. Invested Rs. 30 Lakhs in SCSS and Rs. 15 Lakhs in PMVVY. Would like to invest another Rs. 10 Lakhs for requirement of Annuity. Pl suggest.

Ans: You may invest in Post Office monthly income scheme. 5 year tenure. Monthly interest payment. Current rate is 7.4%. If singly held maximum investment limit is 9 Lac and for joint holding it is 15 Lac. It is GOI scheme offered through Posts hence comes with sovereign guarantee.

Asked on - Sep 12, 2024 | Answered on Sep 12, 2024

Many thanks for your guidance

Ans: You are welcome

Radheshyam Zanwar |850 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 12, 2024

Question by Jyoti - Sep 08, 2024Hindi

Career

Hey!! I got admission in KJ somaiya college...Electronics in VLSI and technology....is it a good branch and a good choice?

Ans: Hello Jyoti.
Congratulations on your admission to KJ, one of the best colleges in Mumbai.
Electronics in VLSI and technology is an emerging branch with a bright future.
Your choice is good.
Best of luck for your future.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Radheshyam Zanwar |850 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 12, 2024

Question by sunita - Sep 12, 2024Hindi

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Sir Thapar Dherabassi university is branch of Thapar patiala university is good for cse than Jaypee 128 noida?

Ans: Hello Sunita.
Yes. CSE @ Thapar is better than JAYPEE.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Nayagam P P |3682 Answers |Ask -Follow

Career Counsellor - Answered on Sep 12, 2024

Question by Manohar - Sep 11, 2024Hindi

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Hi sir Our child joined computer engineering in NIAMT Ranchi. Is there need certificate courses? If yes which courses preferable?pls advise.

Ans: Manohar Sir, Additional skills/certifications are mandatory to be competitive in the job market. Most Recruiters/Companies recognize one of the best & most affordable online certification programs offered by NPTEL. Suggest your son to go through the site to get an idea. Their video lectures are free. You will have to pay only the Exam Fee which will be conducted offline. He can join those certification courses, recommended by his College Faculties. There are other Online Certification Platforms but comparatively, it will be costlier. Advise him to have a Professional LinkedIn Profile and keep updating it every 3 months. Also to put job alerts in LinkedIn, related to his domain, to know the current/changing job market trends. He can start doing online certifications after his 1st semester. No hurry Sir now. All the BEST for Your Son's Bright Future, Sir.

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Dr Dipankar Dutta |583 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 12, 2024

Asked by Anonymous - Sep 12, 2024Hindi

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Which would be Better B.tech CSE in G.L BAJAJ NOIDA VS B.TECH CSE IN VIPS(VIVEKANAND INSTITUTE OF PROFESSIONAL STUDIES)IPU

Ans: G.L. Bajaj Institute of Technology and Management, Noida

Nayagam P P |3682 Answers |Ask -Follow

Career Counsellor - Answered on Sep 12, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Career

sir, i am in class 12th (pcb) rn and i am preparing for NEET but i don't have that much interest in it. I have interest in forensic science and i want to pursue it. i am ready to give any exam that i can for good college. I also want a good job with good money after everything (college...etc). I am a decent student, more than average i can say. But we have some financial problem for college only (personal family matter) so i am rely on scholarship. please guide me what should i do and how?........Thank you very much

Ans: You should prepare and appear for CUET for getting admission into UG Forensic Science with any one of the State / Central Universities providing this course. You should be aware that economically weak girls are eligible for scholarships provided by Govt. which you can apply for, after getting confirmed admission into any UG program (but should have been approved by AICTE). Also please note, your family income should be less than 8.00 lacs to be eligible for Scholarships. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

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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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