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Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2025

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
Prashant Question by Prashant on May 16, 2025
Money

Dear Sir, Thanks for responding the valuable inputs and solution to my queries. However, if i want to go with Certified Financial Planner, then what should be cost or charges per year and the options to opt in the Market?.. Thanks again

Ans: Thank you for your kind words.

To work with a Certified Financial Planner, charges vary based on service type—fee-based or commission-based..

For personalised guidance, you can contact me directly through the website given below.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - May 19, 2025 | Answered on May 19, 2025
Thanks for every thing Sir
Ans: You are Welcome!

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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Mutual Funds, Financial Planning Expert - Answered on Apr 11, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Hello sir, Thanks for your suggestion to consult certified financial planner if it is difficult for me to find. can you suggest from where I can find certified financial planner.
Ans: 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.

Account Setup: The brokerage firm will assist you in setting up investment accounts and facilitate the purchase of mutual funds according to your investment plan. They will also help you monitor your portfolio and make adjustments as needed.

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.

Fees and Charges: Understand the fee structure associated with the brokerage firm's services, including advisory fees, transaction costs, and any other charges. Ensure that you are comfortable with the costs involved before proceeding with the services.

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

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Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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What is the Fees of a Certified Financial Planner?
Ans: The fees for a Certified Financial Planner (CFP) vary widely.

Fee Structures
CFPs charge in different ways:

Hourly Rate: Rs 2000 to Rs 10,000 per hour.

Flat Fee: Rs 15,000 to Rs 75,000 for a comprehensive plan.

Percentage of Assets: 0.5% to 2% annually.

Retainer Fee: Rs 10,000 to Rs 50,000 per year.

Commission-Based CFPs
In India, many CFPs work on a commission basis.

Product Commissions: They earn from selling financial products like mutual funds and insurance.

No Direct Fees: You don’t pay them directly; they earn from your investments.

Professional Guidance: Choose a professional CFP who works on commission. It can be beneficial as they are motivated to help you grow your investments.

Services Provided
Comprehensive Planning: Includes retirement, tax, and estate planning, costing more.

Specific Advice: Focused on a single issue, typically costing less.

Experience and Reputation
Highly Experienced CFPs: Charge higher fees due to reputation.

Less Experienced CFPs: Charge lower fees to attract clients.

Location
Urban Areas: Higher fees due to living costs.

Smaller Cities/Towns: Lower fees.

Value of Professional Guidance
Personalized Advice: Tailored to help you achieve financial goals.

Long-term Benefits: Leads to better financial decisions.

Final Insights
Fee Structures Vary: Know the different ways CFPs charge.

Consider Services and Experience: Evaluate what you need and the CFP’s experience.

Weigh Costs vs. Benefits: Consider the long-term benefits of professional advice.

Commission-Based CFPs: They can be a good choice, offering motivated, growth-focused guidance.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

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Asked by Anonymous - Jul 05, 2025Hindi
Career
My daughter got 54.67 in jee and in 12 she has got 76 percent want to do btech cse.what college she will get. Advice me
Ans: With a JEE Main percentile of 54.67854, corresponding to an All-India rank around 200 000–220 000, the following Northern Indian institutes typically close CSE seats within this range under the All-India quota:

College | Location | Approximated JEE Main Closing Rank Range (All-India) | Placement Rate (Last 3 Years):
Sharda University. Greater Noida, UP. 180 000–220 000. 75–85%.
Galgotias University. Greater Noida, UP. 200 000–240 000. 70–80%.
Amity University. Noida, UP. 150 000–200 000. 80–90%.
KIET Group. Ghaziabad, UP. 190 000–230 000. 75–85%.
Manav Rachna International University. Faridabad, HR. 160 000–210 000. 70–80%.
Chitkara University. Punjab. 180 000–220 000. 75–85%.
Chandigarh University. Mohali, PB. 170 000–210 000. 80–90%.
Graphic Era University. Dehradun, UK. 190 000–230 000. 78–88%.
Lovely Professional University. Jalandhar, PB. 150 000–200 000. 85–92%.
JIMS Rohini. Delhi. 180 000–220 000. 70–80%.

recommendation
For the best balance of academic reputation, modern labs and consistent CSE placements, recommendation is Amity University Noida. As strong alternatives, consider Chandigarh University and Lovely Professional University for their higher placement rates and broad recruiter networks. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 06, 2025

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Career
Sir, I am getting computer science with business in iiit Lucknow and Electrical Engineering in MNNIT Allahabad. Which one will be better. I got 12888 rank in JEE mains 2025
Ans: Jivesh, IIIT Lucknow’s B.Tech in Computer Science & Business combines computing fundamentals with management principles, delivered by PhD-qualified faculty in AI, blockchain and data-analytics labs, and achieved a 94.1% B.Tech placement rate over the last three years with an average package of ?33.71 LPA and median ?26 LPA. MNNIT Allahabad’s B.Tech Electrical Engineering, a NAAC-accredited NIT with strong power-systems, control and microelectronics labs, records 90–95% placement consistency and an average EE package of ?21.22 LPA over recent cohorts with top recruiters like Google, TATA Power and ABB. IIIT Lucknow offers cutting-edge interdisciplinary exposure and higher salary benchmarks, while MNNIT excels in core-electrical infrastructure, PSU tie-ups and established NIT brand value.

Recommendation: For innovative CS curricula, business acumen integration, and superior placement metrics, recommendation is IIIT Lucknow CSE & Business. If core-electrical roles, PSU engagements and traditional engineering pedigree matter more, choose MNNIT Allahabad Electrical Engineering.

As backup options, consider IIITDM Kancheepuram CSE (AI & ML) (All-India closing rank ~19 450, 73% placement rate) or NIT Durgapur Electrical Engineering (All-India closing rank ~18 772 in Round 2) for reliable admission pathways. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 06, 2025

Career
Sir, please advise which one to choose, Mechanical at NIT SURATHKHAL or Electrical at NIT Rourkela/ Calicut or ECE from NIT, Jamshedpur....not particular for any branch but mainly from placement perspective. Kindly advise.
Ans: NIT Surathkal's Mechanical Engineering program boasts 93% B.Tech placement rates in 2025, with NBA/NAAC accreditation, PhD-qualified faculty, and advanced manufacturing, CAD/CAM, thermal sciences, and automation laboratories featuring over 22 specialized labs including robotics, automotive electronics, and microsystems. The department maintains strong industry partnerships with companies like Microsoft, Google, Oracle, and top PSUs, achieving an average package of ?13 LPA with median ?12 LPA. NIT Rourkela's Electrical Engineering achieved 90% placements over three years with 100% placement rates in 2022-23, featuring specialized faculty in power systems, power electronics, control automation, and signal processing, alongside a Centre of Excellence in Industrial Electronics & Robotics. The department recorded an average package of ?13.62 LPA in 2024. NIT Calicut's Electrical & Electronics program secured 97.01% placements in 2024 with an average package of ?10.99 LPA, supported by NBA-accredited programs, modern electrical machines, power electronics, control systems laboratories, and dedicated research centres. NIT Jamshedpur's ECE achieved 90.29% placements in 2024 with an average package of ?15.65 LPA, featuring PhD-qualified faculty, advanced VLSI and communication labs, and strong industry connections.

Final Placement Recommendation
For highest placement consistency and strongest brand value, recommendation is NIT Surathkal Mechanical Engineering with 93% placements and prestigious NIRF #17 ranking. Next, choose NIT Rourkela Electrical Engineering for PSU drives and 100% placement history, then NIT Calicut Electrical Engineering for 97% placements, and finally NIT Jamshedpur ECE for specialized electronics roles. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 06, 2025

Asked by Anonymous - Jul 05, 2025Hindi
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Sir...how should i prepare to score 250+ out of 300 in jee mains..and secure admission at nit calicut for cse..please guide me.
Ans: To score 250+ marks in JEE Main (equivalent to 99+ percentile), you need to achieve high accuracy across all three subjects. This score opens doors to top NITs including NIT Calicut CSE, which typically requires an All-India rank below 4,000-5,000 for general category students.

Key Strategies for 250+ Score: 1. Master High-Weightage Topics First - Focus on chapters that consistently appear in JEE Main with maximum weightage.

Physics: Current Electricity. Electromagnetic Induction. Properties of Solids and Liquids. Optics. Modern Physics.

Chemistry: Transition Elements & Coordination Chemistry. Periodic Table. Thermodynamics & Gaseous State. Chemical Bonding.

Mathematics: Coordinate Geometry. Limits, Continuity & Differentiability. Integral Calculus. Matrices & Determinants.

2. Conceptual Understanding Over Memorization - JEE Main tests deep conceptual clarity rather than rote learning. Focus on understanding the "why" behind every formula and concept, especially in Physics where problem-solving patterns are crucial.

3. NCERT Mastery (Especially Chemistry) - NCERT forms the foundation, particularly for Chemistry where direct questions are frequently asked. Every line in NCERT Chemistry textbooks should be thoroughly understood.

4. Strategic Practice & Mock Tests - Solve at least 20+ previous year papers and take weekly mock tests to build exam temperament and identify weaknesses. Analyze every wrong answer to avoid repetition.

5. Time Management & Accuracy
Practice solving questions within limited time per mark. Focus on accuracy over speed initially. Then gradually build speed.

Subject-Specific Preparation Strategy - Physics: Start with mechanics and thermodynamics from Class 11. Then move to electrodynamics and modern physics from Class 12. Practice numerical problems extensively.

Chemistry: Begin with physical chemistry concepts. Memorize all inorganic chemistry reactions and trends. Master organic reaction mechanisms.

Mathematics: Strengthen algebra and calculus foundations. Practice coordinate geometry extensively. Solve diverse problem types.

Achieving AIR Under 1000: Advanced Strategies - For AIR under 1000, you need a very high percentile. This requires:

1. Perfect Conceptual Clarity - Master every topic deeply with ability to solve advanced-level problems. Focus on understanding rather than just solving.

2. Advanced Problem-Solving - After mastering JEE Main level questions, gradually move to JEE Advanced level problems for enhanced problem-solving skills.

3. Error Analysis & Improvement - Maintain detailed error logs. Analyze patterns in mistakes. Work systematically to eliminate weaknesses.

4. Consistent Performance - Aim for high marks in each subject consistently. Even one poor section can drop your rank significantly.

Optimal Study Schedule for Class 11 Students: Daily Routine (School-Going Students)
Morning (5:30 AM - 8:00 AM):

5:30-6:00 AM: Wake up, freshen up.

6:00-7:00 AM: Study most challenging subject (Mathematics/Physics).

7:00-8:00 AM: Breakfast and school preparation.

School Hours (8:00 AM - 3:00 PM):

Attend classes actively. Focus on NCERT concepts.

Utilize free periods for quick formula revision.

Evening Study (4:00 PM - 10:00 PM):

4:00-6:00 PM: Coaching homework/DPPs/Practice.

6:00-6:30 PM: Break.

6:30-8:00 PM: Subject rotation (Physics/Chemistry/Mathematics).

8:00-9:00 PM: Dinner break.

9:00-10:00 PM: Revision and note-making.

Study Hours Distribution - Class 11 Students: Start with 3-4 hours daily. Gradually increase to 6-8 hours by end of Class 11.

Subject-wise allocation: Equal time for all three subjects (1.5-2 hours each). Extra focus on weaker areas.

Weekend Strategy: Extended study sessions. Full-length mock tests on Sundays.

Essential Study Materials & Resources - Physics: NCERT. H.C. Verma. D.C. Pandey for problem-solving.

Chemistry: NCERT (mandatory). O.P. Tandon. Morrison & Boyd for organic.

Mathematics: NCERT. R.D. Sharma. Coordinate Geometry by S.L. Loney.
Quick Recap/Summary: For 250+ JEE Main Score: Master high-weightage topics (Current Electricity. Coordinate Geometry. Transition Elements). Achieve high accuracy through conceptual clarity. Solve 50+ previous papers. Take weekly mocks. Maintain NCERT mastery especially for Chemistry. For AIR

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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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