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Ramalingam Kalirajan |6592 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 30, 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 Nitin on Jun 29, 2024Hindi

Money

Do you think in future about 4-5 years from now real estate market will be down or maybe at same level and then I can consider to buy that time?

Ans: It's challenging to predict the real estate market with certainty. However, market trends suggest it may remain stable or see moderate growth over the next 4-5 years. Factors like economic conditions, interest rates, and government policies will play a crucial role. If you're considering buying property, keep an eye on these trends and be prepared to act when the market conditions align with your goals. Consulting with a Certified Financial Planner can help you make an informed decision based on your financial situation and long-term objectives.

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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Hi Mr Hemant I'm a salaried professional. Is this a good time to invest in real estate? I plan to take an 80 per cent loan to buy a flat. Kindly suggest if the decision is right

Ans: Hi Divya ,it depends on 2things , the Real estate you want to buy is for personal use or you want to buy as an investment. If you intend to buy it for personal use then if you like the project ,location and believe the price is good ,then go ahead and buy it. But if you want to buy as an investment then a lot of factors are to be seen. Today the situation is very different as far as rent is concerned specially after covid time. so getting a good rent may or may not be possible. Also the home loan interest rates are going up in accordance with repo rate hike.so consider that too.

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Hi sir, What is your suggestion for invest in Indiabull real estate stock ?? Should I buy at this price or ???

Ans: historical support is 40 and near-term support is 58 ... I m expecting it to test 48-50 levels. you can slowly start accumulating at mentioned levels according to your risk appetite

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Question by Ashish - May 05, 2023Hindi

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I have 1000 India bulls real estate shares at avg price of 120 . Can you please suggest what's the future of ibreal estate

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Asked by Anonymous - Jan 25, 2024Hindi

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Dear Guide I am pensioner with major investments in real estate and earning 50 % of my pension equivalent from rentals. I could save 20 k from that and my concern is , will real estate investments would decrease by years to come and is wise to invest in market after retirement?

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Insurance, Stocks, MF, PF Expert - Answered on Oct 14, 2024

Asked by Anonymous - Oct 12, 2024Hindi

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I am 44 years old just this month I got a very nice job with salary 2 lacs. Sad part is that I have 5 yrs more and sad part is I don't have any savings or fd or any property. How can I secure the rest of my life in investment

Ans: Hello;

Belated birthday wishes!

You may do a monthly sip of 1.5 L into combination of pure equity mutual funds.(PPFAS flexicap fund: 50 K, Kotak Emerging Opportunities Fund: 50 K, Nippon India Growth fund: 20 K, SBI small cap fund: 15 K, Tata Digital fund: 15 K)

After 5 years you may expect receive a corpus of 1.27 Cr.(13% return considered)

You may invest it lumpsum in a equity savings type fund for eg ICICI Pru equity savings fund (low to moderate risk) for 2 years and let the corpus grow to 1.51 Cr. (9% reture assumed). Here you may do 3% SWP to earn a monthly income of 37.75 K which you may hike every year to keep in line with inflation.

Do not increase SWP rate beyond 3% because if you do so then during market drawdowns you may eat into your corpus significantly.

Happy Investing!!

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

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I have invested 80000 in Sip in following funds JM midcap-10000, motilal oswal 8000, quant small cap 6000, Nippon small cap 6000,sbi small cap 6000,SBI contra 6000,sbi consumer opportunity 6000, Kotak pioneer and motilal oswal 5000each, Axis nifty, Nippon vision, Tata midcap,and HDFC midcap opportunity 5000 each, do I need to revise or review

Ans: What is your targeted fund corpus and the time horizon available to achieve the same?

Kindly clarify so as to answer suitably.

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Sir / Madam, please suggest if entering into NPS investment at an age of around 55-56 (5 years to retire) a rational decision? How long one has to keep continue to invest, once started?

Ans: Hello;

You may invest in NPS upto the age of 70.

However even auto choice would also only allow 60-50% equity allocation at this age.

If this is okay with then please go ahead.

Else you may also think about investing in ICICI Pru Retirement Fund (G) -Hybrid Aggressive plan which is a type of solution oriented mutual fund for retirement planning.

It comes with a mandatory 5 year lock-in.

Equity allocation maybe between 65-80% and debt allocation maybe 35-20%.

Select whatever suits your risk tolerance.

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Question by Aakshaj - Oct 09, 2024Hindi

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is engineering physic at iit delhi better or ece at iit hyd

Ans: Aakshaj, Both are GOOD. However, please note, engineering physics is a research-based course that combines physics and engineering to solve technical challenges. ECE includes the study, design, development, and application of electrical circuits, electronics, and communication systems. Which one you should choose depends upon your interest & long-term goal. All the BEST for Your Prosperous Future.

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Question by sunil - Oct 09, 2024Hindi

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my son is in 12th standard. Which are colleges in India which have bachelors in AI technology and also abroad. How to proceed. Is it good to computer engineering and then in Masters in AI. Kindly advise.

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Asked by Anonymous - Oct 14, 2024Hindi

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I am 48 years old, I have an annual expense of approx 15 lakhs, a single kid who is currently in 9th standard. If I have to retire tomorrow, how much corpus should I have?

Ans: Hello;

You should have a minimum corpus of 3.75 Cr which if utilised to buy an immediate annuity would provide you a monthly payout of 1.31L(post tax) considering 6% annuity rate.

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Asked by Anonymous - Oct 14, 2024Hindi

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What careed options are available after 12th commerce without maths

Ans: Hello.
There are a lot of options available after 12th commerce without mathematics. But it is highly recommended that, at least from a passing point of view, one should learn mathematics for more options. The entire mathematics is not needed for many courses but the applications of mathematics help to excel in some subjects.
Here are some options for you: (1) Law (2) Management (3) Finance (4) Hospitality (5) BBA (6) Hotel Management (7) CS (8) CA and many more. Explore your potential and interest in the relative field and choose the path.

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

Radheshyam

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Question by Bhalchandra - Oct 14, 2024Hindi

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I have completed my 12th in 2013 and wish to give NEET Exam now in 2025-26. But I have less than 150 in PCB subjects, so not eligible for NEET. Can I give 12th in Maharashtra again. If yes then how? Is my plan feasible?

Ans: Hello Bhalchandra.
(1) You can appear for NEET 2025-2026.
(2) You can appear 12th again for Improvement.
(3) Approach your nearest college or board office to know how to enroll for improvement. Take your mark sheet with you when you visit the office.
(4) Your plan is not feasible. Yet, if you have decided to go for it, then you can go. Nothing is possible in the life.
What you have done after 2013, you did not mention. If you do not have any touch with science subjects after 2013, then it is recommended to drop the plan. Yet the final decision is yours. 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

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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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