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Should I Invest in Stocks and Mutual Funds with Only 3 Months of Emergency Savings?

Ramalingam Kalirajan |10240 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 16, 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 Biki on Oct 16, 2024Hindi

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Thank you so much SIR, from ur guidance i did learn more.. i ll implement ur advice. Sir emergency fund i have for 3 months expenses.. still learning about stock and mf

Ans: You're most welcome! I'm glad you found the guidance helpful. It's great to see that you're taking steps to learn more about stocks and mutual funds. Learning is a continuous process, and you’re already on the right track by building your emergency fund.

Since you have 3 months' worth of expenses covered, consider gradually increasing it to 6-12 months over time. This will give you more financial security, especially when focusing on more aggressive investments like stocks and equity mutual funds.

Feel free to reach out whenever you need any further guidance. I’m here to support you on your journey towards achieving your financial goals.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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 Manoj - Mar 29, 2023Hindi

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Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj

Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

Ulhas Joshi | Answer |Ask -Follow

Mutual Fund Expert - Answered on Jun 22, 2023

Question by Sushanta - Jun 05, 2023Hindi

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I am a retired Bank of Baroda executive of 65 yrs old drawing pension, started mf investments late since Nov,2021 and presently having investement in following mf. Pl give yr suggestion . Bal adv fund of Rs 5.00 lakhs on Aditya Birla SL with swp amount of Rs 3000/ Bal adv fund of Tata MF for Rs 5.00 lacs with swp amount of Rs 3000/ Monthly SIP of Rs 2000/ on Axis bluechip fund( lumpsum investment of Rs 50000) Monthly SIP of Rs 2000/ of Baroda BNP Paribas large & mid cap fund ( lumpsum investment of Rs 50000) Monthly SIP of Rs 4000/ of Canara rebeco flexi cap fund. Lumpsum investment of Rs 1.60 lacs of Nippon India flexi cap fund. Lumpsum investment of Rs 0.60 lacs of Kotak manufacturing fund. Monthly sip of Rs 2000/ of nippon india small cap fund from January,2023. Monthly sip of Rs 2000/ of SBI magnum midcap fund ( lumsum invested Rs 40000)

Ans: Hello Sushanta and thanks for writing to me. Please elaborate on your objectives and risk appetities to understand your needs and requirements better.

As a general rule, balanced advantage funds can be good schemes to begin SWP's.

Ramalingam Kalirajan |10240 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2024

Asked by Anonymous - Dec 27, 2023Hindi

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Sir i want to invest in mfs with a time horizon of 25to30years, kindly suggest me my age 27years i invested just few days ago i have keeping 15000rs saving to keep mfs is correction sir and how much should investment i am farmer sir monthly i can save 15000rs please suggest sir 1) kotak emerging equity fund direct growth 2) Nippon india small cap fund direct growth 3) parag parikh flexi cap fund direct growth 4) ICICI prudential nifty pharma index fund direct idcw 5) Kotak nifty financial services ex bank index 6) quant multi asset fund direct growth

Ans: Considering your long-term investment horizon of 25-30 years and your risk appetite, your selection of mutual funds seems suitable. However, it's essential to ensure proper diversification across different asset classes and market segments to mitigate risk. Since you are a farmer and have a monthly savings capacity of Rs. 15,000, you can distribute your investments across these funds based on your risk tolerance and financial goals. Additionally, consider consulting with a financial advisor to fine-tune your investment strategy and ensure alignment with your objectives. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards your goals.

Ramalingam Kalirajan |10240 Answers |Ask -Follow

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

Question by Shom - Jun 25, 2024Hindi

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Thank you Sir for such an in depth analysis of my MF portfolio. The insight provided by you in your reply will really help me in planning my future investment strategy. Sir, you’ve advised and guided me to breakdown my planned investment of 20K per month in Large, Medium Small and Multi Cap funds. I will surely invest according to the breakdown provided by you. However Sir, it’ll be of great help if you can suggest some good funds in these categories. Thanks a lot again Sir for your kind help!!

Ans: Thank you for your kind words! I'm glad my insights were helpful for your investment strategy. While suggesting specific schemes in an online forum isn't ideal, I highly recommend consulting a Certified Financial Planner (CFP) for personalized advice. A CFP can assess your unique financial situation and goals to suggest the best funds in large, medium, small, and multi-cap categories. This tailored approach ensures you make informed decisions that align with your investment objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Insurance, Stocks, MF, PF Expert - Answered on Feb 13, 2025

Question by tanmay - Feb 13, 2025Hindi

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Hello Sir/Madam, i am 36 years after a gap of several years at job due to personal reason i started new job from zero during covid time as i wanted to save money for future one of my friend advised for stocks i opened from 1 app,then got another app like this 3 different app i sing for stocks initially was stock was going up and since 4-5 month stock is not performing well and later on from 1 app i opened mutual fund of 2000,500 lke this which went to 14000 later on that also in red feeling so tension did i do mistake by opening mutual fund and stock without knowledge and doing research please advice me what should i do where will i get to learn about best stock and nutual fund and also please tell me should i close all the 3 app(groww,dhani app,5 paisa) one app 5 paisa is unnecessary charging me AMC charging without doing any transaction every three month and on that taking penalty with interest.Please help me

Ans: Hello;

Trading in stocks just based on tips, without adequate knowledge, is akin to playing with fire.

For mutual fund investments you don't need demat and trading account.

You need guidance from a certified financial planner or an investment advisor to handhold you in your investment journey.

Best wishes;
X: @mars_invest

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Question by Umesh - Aug 13, 2025Hindi

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Question by Bharat - Aug 13, 2025Hindi

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My daughter got 75.47 percentile in jee main PCM group. She scored 77.67% in 12TH board from maharashtra state board under Savitri Bai Phule Pune University. Her 10th was from ICSE board with 95.33%. On the basis of these she got BTech in CSE at Amrita vishwavidyapeetham Haridwar campus which they launched this year with fees 1.25L per year or same course at Nagarcoil with 2L per year. In Maharashtra CET, her percentile is 88.05 and she got BTech in CE at Zeal college of engineering, pune with 30K fee per year as there is free education for girls in Maharashtra for OBC Non Creamy layer students. I am from Nashik, Maharashtra. Please guide me sir, Which one is better option as she want to do MS after graduation.

Ans: Bharat Sir, Your daughter’s options for pursuing B.Tech in Computer Science and Engineering (CSE) at Amrita Vishwavidyapeetham Haridwar or Nagarcoil campuses, versus Civil Engineering (CE) at Zeal College of Engineering Pune, should be evaluated with a focus on her desire to pursue an MS abroad after graduation. Amrita Vishwavidyapeetham is a highly reputed university with A++ NAAC accreditation, known for strong research culture, excellent faculty, and extensive international collaborations including study abroad programs and research exchanges. The Haridwar campus offers a competitive, specialized CSE program with strong industry linkages and international recognition, making it well-suited for students aiming for higher studies abroad. The Nagarkoil campus also has similar credentials but involves higher tuition fees. In contrast, Zeal College in Pune, though affiliated with Savitribai Phule Pune University and holding NAAC A+ accreditation, offers a Civil Engineering program with significantly lower fees aided by Maharashtra’s free education scheme for OBC non-creamy layer girls. However, CE as a branch offers a different career trajectory compared to CSE; the latter generally provides broader scope, especially in the context of MS abroad admissions where CSE graduates tend to have stronger opportunities in global tech research hubs. Zeal’s local reputation and affordability are definite advantages, but for a future MS abroad, especially in tech domains, Amrita’s CSE program offers a more recognized platform with a research-oriented and tech-focused curriculum.

Recommendation: Prioritize Amrita Vishwavidyapeetham Haridwar CSE for its robust academic quality, international exposure, and stronger alignment with MS pursuits abroad. Consider the Nagarkoil campus if budget permits and the branch preference remains CSE. Choose Zeal Pune CE only if budget constraints dominate and the focus is on local professional pathways or civil engineering specialization. All the BEST for a Prosperous Future!

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Nayagam P P |10252 Answers |Ask -Follow

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi

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Sir is CIC du good or iter

Ans: The Cluster Innovation Centre (CIC) at Delhi University is a government-funded institute promoting innovation through interdisciplinary programs, industry collaborations, and practical project work. CIC offers a focused B.Tech in IT & Mathematical Innovations with advanced labs and a location in Delhi University's North Campus. Its recent placement data shows approximately 40-50% placement with median packages around ?8.5 LPA, though it lacks a dedicated placement cell. CIC emphasizes research-driven learning and innovation culture. On the other hand, the Institute of Technical Education and Research (ITER), affiliated with Siksha ‘O’ Anusandhan Deemed University, is a top-ranked private engineering institute, nationally placed 2nd among private colleges and 3rd overall in Times Engineering Survey 2025. ITER is accredited by ABET, offers various engineering branches with strong research facilities, robust industry ties, and consistent high placement rankings in eastern India and nationally. It has modern infrastructure, experienced faculty, and a broad-based engineering curriculum. While CIC stands out for innovation and niche curriculum under Delhi University’s umbrella, ITER excels in broader technical education, high national rankings, and placement outcomes.

Recommendation: Choose ITER for a comprehensive engineering education with superior infrastructure, accreditation, and higher placement potential. Opt for CIC if you value Delhi University affiliation and a focus on innovation and interdisciplinary research with emerging tech specialization. Your choice should align with your career goals and preferred learning environment. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Aug 13, 2025

Question by Malathi - Aug 13, 2025Hindi

Career

My daughter got B.tech in Rubber and plastic technology, MIT Chennai. Now she received an email from SSN college for counseling to join Biomedical engineering which is under management quota.. what to decide whether to continue with MIT or SSN? Please suggest...

Ans: Malathi Madam, Your daughter’s current B.Tech in Rubber and Plastic Technology at Madras Institute of Technology (MIT) Chennai offers a specialized and unique curriculum that combines polymer science, rubber processing, and plastics technology, supported by experienced faculty, advanced labs, and strong industry connections with companies like Bridgestone and CEAT. MIT is esteemed as a government-affiliated institute under Anna University with solid accreditation and a robust placement record in this niche sector, with about 80% placement and internships, and average packages in relevant industries. Conversely, SSN College of Engineering’s Biomedical Engineering program, offered under management quota, is part of a reputed private institution with NAAC A++ accreditation, strong industry ties, vibrant research culture, and higher mainstream tech placement visibility. SSN’s Biomedical department reports decent placement support with recruiters from healthcare and technology domains, though admissions via management quota may have higher fees and different governance compared to MIT. Both institutions maintain transparent governance, modern infrastructure, and active student support systems. Your daughter’s choice hinges on whether she prefers continuing in the specialized Rubber and Plastics sector at a premier government-backed institute or pivoting to a broader, rapidly growing biomedical field with SSN’s private institute benefits. Just my suggestion: Prefer SSN-Biomedical Engineering, which is more suitable for a girl student (provided you are able to afford its Management Quota Fee) compared to Rubber-Plastic Technology. All the BEST for a Prosperous Future!

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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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