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Ulhas Joshi |266 Answers |Ask -Follow

Mutual Fund Expert - Answered on Oct 17, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more

Question by ranjit on Oct 13, 2023Hindi

Money

CAN U TELL THE BEST MIDCAP SCAM FOR ONG TERM

Ans: Hello Ranjit and thanks for writing to me. It is difficult to determine the best long term mid cap fund but you can consider investing or starting SIP's in:

1-Canara Robeco Mid Cap Fund
2-PGIM India Mid Cap Opportunities Fund
3-DSP Mid Cap Fund

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 |5367 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Gautham - Oct 03, 2023Hindi

Money

Dear sir, I have to make sip for 1000 rs within a time horizon for 28 months for specific goal plz suggest MF for short term

Ans: For a short-term investment horizon of 28 months, it's important to prioritize stability and minimize risk. Consider mutual funds that focus on debt instruments or conservative equity strategies. Debt funds like short-term debt funds or ultra-short duration funds can be suitable for short-term goals as they provide relatively stable returns with lower volatility compared to equity funds.

Additionally, you may explore conservative hybrid funds that invest in a mix of debt and equity securities, with a larger allocation towards debt instruments. These funds aim to provide capital preservation while offering some potential for growth.

Before investing, ensure to assess the fund's past performance, expense ratio, and investment strategy to align with your risk tolerance and investment objectives. It's advisable to consult with a Certified Financial Planner for personalized advice based on your specific financial situation and goals.

Ramalingam Kalirajan |5367 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Question by Balachandran - Apr 10, 2024Hindi

Money

Suggest me sip for 10 yrs wth gud profit mam I m bala

Ans: Bala! Investing in SIPs (Systematic Investment Plans) for a period of 10 years can be a prudent way to build wealth over the long term. Here are some suggestions for SIPs that have the potential for good returns:

Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable earnings and are relatively less volatile compared to mid-cap and small-cap funds. Examples include funds that track the Nifty 50 or Sensex indices.
Multi-cap Equity Funds: These funds have the flexibility to invest across companies of various market capitalizations, offering a diversified portfolio. Look for funds with a proven track record of delivering consistent returns over the long term.
Mid-cap and Small-cap Equity Funds: These funds invest in companies with smaller market capitalizations, which have the potential for higher growth but come with higher volatility. If you have a higher risk appetite and a longer investment horizon, consider allocating a portion of your SIP towards these funds.
Sectoral Funds: Investing in SIPs focused on specific sectors like technology, healthcare, or banking can be profitable if you have a strong conviction about the growth prospects of these sectors. However, sectoral funds come with higher risk and volatility, so it's essential to diversify your portfolio accordingly.
Remember to choose SIPs that align with your risk tolerance, investment goals, and time horizon. It's also crucial to review your portfolio periodically and make adjustments as needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial situation and objectives. Happy investing!

Ramalingam Kalirajan |5367 Answers |Ask -Follow

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

Asked by Anonymous - Jul 15, 2024Hindi

Money

Sir I want to SIP of 40k per month and want to make a corpus of 1cr in coming 8 years kindly suggest

Ans: Evaluating Your Goal
You aim to create a Rs. 1 crore corpus in 8 years. Investing Rs. 40,000 per month via SIPs is a solid strategy. Let’s break it down.

Benefits of Systematic Investment Plans (SIPs)
Disciplined Investing: Helps you invest regularly.
Rupee Cost Averaging: Reduces the impact of market volatility.
Compounding: Small amounts grow significantly over time.
Expected Returns
Assuming an average annual return of 12%, your monthly SIP of Rs. 40,000 can potentially help you reach Rs. 1 crore in 8 years.

Disadvantages of Index Funds
Limited Growth Potential: Only matches market returns.
No Active Management: Lacks strategic adjustments.
Lower Flexibility: Cannot react to market changes.
Benefits of Actively Managed Funds
Expert Management: Professionals manage your investments.
Higher Returns Potential: Aims to outperform the market.
Strategic Adjustments: Reacts to market conditions.
Disadvantages of Direct Funds
No Professional Guidance: You miss expert advice.
Higher Risk: Due to lack of professional management.
Complexity: Requires deep knowledge and time.
Benefits of Investing Through MFD with CFP
Expert Advice: Helps in making informed decisions.
Regular Monitoring: Keeps your investments on track.
Customized Portfolio: Tailored to your goals and risk profile.
Investment Strategy
Step 1: Diversify Investments
Equity Funds: High growth potential.
Debt Funds: Stability and lower risk.
Hybrid Funds: Balanced approach.
Step 2: Regular Monitoring
Review Quarterly: Adjust based on performance.
Rebalance Annually: Maintain your risk-return balance.
Step 3: Increase SIP Amount Annually
Inflation Adjustment: Increase SIP by 5-10% annually.
Step 4: Stay Committed
Market Fluctuations: Stay invested despite market ups and downs.
Long-Term Focus: Keep your eyes on the 8-year goal.
Importance of Professional Guidance
A Certified Financial Planner (CFP) can help you:

Set Realistic Goals: Based on your financial situation.
Create a Plan: Customized to your needs.
Monitor Progress: Ensure you stay on track.
Additional Considerations
Emergency Fund: Keep 6 months of expenses aside.
Insurance: Adequate health and life insurance coverage.
Tax Planning: Use tax-efficient investment options.
Final Insights
To achieve your Rs. 1 crore goal in 8 years:

Invest Rs. 40,000 monthly via SIPs.
Focus on equity funds for growth.
Seek professional advice for customized planning.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jul 13, 2024Hindi

Career

Which to choose based on both curriculum and placements,IIT BHU electronics vs IIT Indore EE vs IIT Gandhinagar EE vs IIT Ropar EE

Ans: Prefer IIT-BHU-Electronics. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Question by SAI - Jul 12, 2024Hindi

Career

Sir; I am interested to study ai but I think I can't join aiml or cse in vit ap bcz my eapcet rank is 5529 then can I join in sreevishnu CSM or csc in vit ap !? Which one is good or can u suggest any other colleges in au region !?

Ans: Sai, prefer VIT-AP. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jul 12, 2024Hindi

Career

Sir I got ECE in Mahindra University data science in upes Dehradun and Information Technology in Dit Dehradun.i written met exam got 27 rank but manipal jaipur sold there seats So I am hopeless among three which should I prefer and Focus on Master for future

Ans: Prefer UPES. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jun 14, 2024Hindi

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Jee main score 76103 crl obc can I got nit

Ans: Will Get, but in Tier-3 NIT/Stream. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Question by Pat - Jul 11, 2024Hindi

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I got 93 percentile in jee mains in csab round which clg can i get

Ans: Try Tier 2/3 NITs/GFTIs & be flexible with Streams. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jul 09, 2024Hindi

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Sir, Let me know the order of preference. CSE in SRM Kattankulathur, EEE in Amritha Bangalore, CSE in ComedK colleges (DSCE, NIE Mysore, SIT Tumkur, BIT, BMSIT, Nitte Meenakshi, CMRIT, Bangalore). Also, let me know Is better CSE core or CSE with specialization like AIML, AIDS, IOT, CYBERSECURITY, etc. I need this information for my daughter as Round 1 counseling is starting today in Comedk.

Ans: Prefer (1) DSCE (2) NITTE (3) CMRIT (4) BMSIT. Prefer AIML, Cyber Security, followed by AIDS & IOT. All the BEST for Your Daughter's Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Question by Vijay - Jul 05, 2024Hindi

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Sir Please suggest what should choose between Electrical and computer engg in Thapar and Chemical engg in BITS Hyderabad

Ans: Vijay, prefer Thapar-ECE. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Question by Bhavana - Jul 09, 2024Hindi

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Sir is it worth joining vit bopal cse core under category 1

Ans: Yes Bhavana, All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Question by TARRA - Jul 05, 2024Hindi

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Sir my self krishna sir can't able focus on studies properly plz give some tips to study for more hours for jee

Ans: Krishna, adhere to the following Strategies/Tips/Steps:

(1) Whenever you study at home, study for 45-minutes. Then take a break of 10-minutes when you can move away from your study table, walk, have some water & relax. If you continue studying beyond 45-minutes, your concentration power will go down, resulting to low output. Most students commit this mistake.
(2) On daily basis (morning or evening whichever will be convenient to you), do yoga or meditation or physical exercises or play any games / sports for at least 30-45 minutes. This will further reduce your stress / distractions.
(3) Study tough topics / tough subjects (applicable to you) early morning with your fresh mind.
(4) Eat a lot of green vegetables / fruits which you can afford for & Avoid soft drinks/junk foods
(5) Every day night, before going to bed, revise whatever you have studied during the day.
(6) Also, revise every week whatever you have covered till date (here your short-notes which you should prepare will be helpful).
(7) Keep practising questions on topics which you have covered either offline or online
(8) Give utmost importance to wrongly answered / difficult / complicated / tough questions and have a separate note-book specially for this for each subject (PCM)
(9) You might be aware that JEE rank is allotted on the basis of highest score in Maths, followed by Physics & Chemistry. Practice more and more in Maths, till you reach Speed & Accuracy

(10) By December-January, attempt fully syllabus online test series, evaluate and analyse your performance such as,

(a) which topic / unit / concept you are weak which needs your revision and improvement as this will disturb you when you appear in actual JEE exam
(b) abnormal time taken to attempt any question which you can come to know from Online Test Series which you should reduce
(c) which questions you skipped and why?

(11) Please AVOID studying under pressure that you should get admission only into IITs/ NITs. Never advisable. Any one can be successful, even if he / she studies in NON-IIT / NON-NIT Colleges also.

(12) Have Plan B & Plan C for other Colleges Entrance Exams / Disciplines-Streams.
(13) Avoid comparing yourself with other students.

(14) Also, it is highly ideal to appear in / attempt\minimum 5-7 Entrance Exams (for both Govt & Private Engineering Colleges). You will have a lot of options (easiest method) to choose the best and most suitable one, keeping in view a lot of factors such as, College | Location | Your Interest | Stream Preference | Placement Records | College Culture | Your Short & Long Term Goals | Pressure You Can Go Through | Your AIR & Job Market Condition when you apply for your BTech & Even after.

I hope I have answered to your question with value additions. All the BEST for your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - May 15, 2024Hindi

Career

I'm 25 years old. I have completed my MCOM & cleared 1st group of CA Inter, but after giving so many attempt not able to clear 2nd group. I'm searching for job in MNC.

Ans: Some basic reasons for not clearing CA Exams after so many attempts:

1) NOT thoroughly going through the Study Materials, provided by ICAI.
2) NOT updating the amendments of various laws.
3) NOT changing the Preparation Strategies.
4) NOT preparing own short-notes.
5) NOT leaving breaks every 45-minutes of studying.
6) NOT maintaining consistent studies.
7) NOT revising the covered topics daily/weekly/monthly.
8) NOT focusing on weak subjects / topics.
9) NOT attempting mock tests frequently.
10) NOT following the ideal study schedule.

If you have searching for jobs:

1) Have a LinkedIn Profile/Update it.
2) Put job Alerts of the vacancies, you prefer to apply
3) Please keep in mind you are fresher. Avoid being specific for MNC. Join even any medium-sized Company & gain experience.
4) Keep upgrading your skills / knowledge through Certifications to be competitive in the job market.
5) Try to apply to at least 3-4 companies daily through LinkedIn or through the Companies Websites.

All the BEST for Your Bright 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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