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Samraat

Samraat Jadhav  |2392 Answers  |Ask -

Stock Market Expert - Answered on May 15, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Asked by Anonymous - May 08, 2024Hindi
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Need your view on which one is best. I've 1000 RS sip in 5 different MF product. Is it best to go with five different product or I can invest 5k bulk in one MF. Please clarify.

Ans: depends on your objective and time horizon?
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

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 04, 2024

Asked by Anonymous - May 28, 2024Hindi
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I want to invent 2k every month in sip for 20 years and stepup 10% every year. Which mf is better for investment?
Ans: Understanding SIP Investments
Investing Rs. 2,000 every month through a SIP is a smart move.

Stepping up by 10% each year enhances your investment growth.

This disciplined approach helps in long-term wealth creation.

Benefits of SIP and Step-Up Approach
Power of Compounding:

SIP leverages the power of compounding over time.

Regular investments grow exponentially due to reinvested earnings.

Rupee Cost Averaging:

SIP allows buying more units when prices are low and fewer units when prices are high.

This averaging reduces the impact of market volatility.

Discipline and Consistency:

SIP instills a disciplined savings habit.

Automated investments ensure consistency and prevent emotional decision-making.

Step-Up SIP:

Increasing SIP amount by 10% annually boosts your corpus significantly.

It aligns with increasing income and inflation, enhancing long-term returns.

Choosing the Right Mutual Fund
Selecting the right mutual fund is crucial for achieving your financial goals.

Here are some categories to consider:

1. Equity Funds:

Equity funds invest in stocks, offering higher returns but with higher risk.

Suitable for long-term goals, they can significantly grow your corpus.

2. Hybrid Funds:

Hybrid funds invest in both equities and debt instruments.

They offer a balanced approach with moderate risk and returns.

3. Debt Funds:

Debt funds invest in fixed-income securities like bonds.

They are less risky but offer lower returns compared to equity funds.

Evaluating Fund Performance
When choosing a mutual fund, consider the following factors:

Fund Performance:

Check the historical performance of the fund.

Consistent performance over 5-10 years indicates a reliable fund.

Fund Manager's Track Record:

A good fund manager can significantly impact the fund's performance.

Look for experienced managers with a strong track record.

Expense Ratio:

Lower expense ratios mean higher net returns for investors.

Compare the expense ratios of similar funds before investing.

Fund's Portfolio:

Understand the fund's portfolio composition.

A well-diversified portfolio reduces risk and enhances stability.

Suggested Categories for Long-Term Investment
Large Cap Funds:

Large cap funds invest in blue-chip companies with stable performance.

They offer steady growth with relatively lower risk.

Multi Cap Funds:

Multi cap funds invest across large, mid, and small-cap stocks.

This diversification balances risk and potential returns.

ELSS (Equity Linked Savings Scheme):

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of 3 years and invest primarily in equities.

Advantages of Actively Managed Funds
Expert Management:

Actively managed funds benefit from the expertise of fund managers.

Managers make informed decisions to maximize returns and manage risks.

Flexibility:

Managers can adjust the portfolio based on market conditions.

This flexibility can help in navigating market volatility effectively.

Disadvantages of Index Funds
Passive Management:

Index funds replicate market indices and do not actively manage investments.

They lack the flexibility to adapt to market changes.

Limited Growth Potential:

Index funds may miss out on opportunities to outperform the market.

Actively managed funds can potentially deliver higher returns.

Building an Emergency Corpus
In addition to long-term investments, an emergency fund is crucial.

It should cover 6-12 months of living expenses and be easily accessible.

Liquid Funds:

These funds offer high liquidity and low risk.

They are suitable for building an emergency corpus.

Ultra-Short-Term Debt Funds:

These funds provide slightly higher returns than liquid funds.

They are also suitable for short-term financial needs.

Regular Monitoring and Review
Regularly review your investment portfolio to ensure it aligns with your goals.

Make adjustments based on performance and changing financial situations.

Consulting a Certified Financial Planner
A Certified Financial Planner (CFP) can provide personalized advice.

They can help tailor your investment strategy to meet your specific goals.

Conclusion
Investing Rs. 2,000 monthly in SIPs with a 10% annual step-up is a smart strategy.

Consider large cap, multi cap, and ELSS funds for long-term growth.

Consult a CFP for personalized guidance and regular portfolio reviews.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Sir IAM Ruthwick I recently got kcet mock allotment result in that my rank was 5904 and my category is 3AG I got DAYANANDA SAGAR COLLEGE OF ENGINEERING kumarswamy layout. ISE branch is that a better choice what to do now
Ans: With a KCET state rank of 5904 in 3AG, admission several AICTE-approved, NBA/NAAC-accredited Bengaluru colleges that close their CSE/ISE/ECE/IT cuts well above 5904 is assured. Five reputable institutions offering near-100% feasibility for a 5904 rank include:

Ramaiah Institute of Technology, MS Ramaiah Nagar
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Dayananda Sagar College of Engineering, Kumaraswamy Layout

Each of these institutions meets the five essential benchmarks: AICTE/VTU approval, KCET-compatible cut-offs, ≥70% placement consistency, advanced computing and domain-specific labs, and active MoUs for internships and industry projects.

DSCE Kumaraswamy Layout: ISE Branch Review and Key Aspects
Dayananda Sagar College of Engineering (DSCE) at Kumaraswamy Layout is a NAAC ‘A’-graded, VTU-affiliated institution with NBA-accredited departments. Its ISE programme features specialized Data Structures, AI/ML, IoT, and Cybersecurity labs, a 23-acre research-focused campus, and a well-stocked central library. Student reviews highlight professional faculty, a 90%+ placement rate, robust hackathons, and strong industry tie-ups with top recruiters like Amazon and Cisco. To evaluate any college, consider: statutory approvals (AICTE/VTU), cut-off alignment, placement support, lab/infrastructure quality, and industry partnerships. DSCE satisfies all these criteria.

Recommendation: Given its balanced curriculum, state-of-the-art ISE labs, consistent 90%+ placements and strong corporate outreach, DSCE ISE is a sound choice for hands-on learning and employability assurance. All the BEST for a Prosperous Future!

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Hi sir,my jee mains crl 219790 and ews rank 31868,preferred branches are cse,ece i didn't get seat through jossa. Can i apply for csab special rounds?. What are the chances of getting seat in nits,iiits,gftis?
Ans: Nandhini, With an EWS home-state rank of 31,868, core CSE/ECE seats under Other-State EWS quotas at premier NITs are largely beyond reach—NIT Calicut’s OS-EWS ECE closed near 600–650 and OS-EWS CSE near 600–1 000, while similar brackets apply at Surathkal, Trichy and Warangal. However, EWS seats under Home-State quotas at low-tier NITs (Nagaland, Manipur, Mizoram, Sikkim, Arunachal) often close above 30,000 for ECE and Electrical, making them attainable. Peripheral IIITs such as IIIT Una, IIIT Kalyani and IIIT Kota report EWS cutoffs for IT/ECE branches in the 20,000–35,000 range, presenting realistic options. Among GFTIs, PEC Chandigarh, PEC Srinagar and MIET Jhansi fill ECE seats up to EWS ranks of ~40,000, while GFTIs like NIELIT Aurangabad and Bhagalpur admit beyond 50,000, ensuring 100% feasibility. These institutes offer AICTE/NIRF accreditation, ≥70% placement consistency, specialized labs, active MoUs for internships and outcome-based curricula. Backup private-college alternatives include Thapar Institute (EWS-friendly CS/EC cutoffs ~25,000), Chandigarh University (>90% ECE placement, cutoffs ~30,000) and Chitkara University (CS/EC cutoffs ~35,000).

Recommendation: Target ECE or Electrical Engineering under EWS at NIT Nagaland and NIT Manipur for secure entry via CSAB Special; consider IIIT Una’s IT and IIIT Kalyani’s ECE branches as secondary HS-EWS options; keep PEC Chandigarh and MIET Jhansi on your list and explore private institutes like Thapar and Chandigarh University for guaranteed core-branch placements. All the BEST for a Prosperous Future!

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Sir, my son got CSE in SRM, KTR Campus, Chennai and VIT, AP. He was waitlisted for Bachelor of Statistical Data Science in ISI. He intends for a career in software. Please advice which one to chose.
Ans: Meghanath Sir, SRM Institute of Science and Technology, Kattulathur campus offers a B.Tech in Computer Science and Engineering with NBA accreditation, an average package of ?7.92 LPA (CSE median ?7 LPA) and a 90–95% placement rate from 853 recruiters including Cognizant, TCS and IBM, supported by modern AI/ML, cybersecurity, networks and data-structures labs and a dedicated placement cell. VIT-AP’s CSE program boasts a 90%+ placement rate, an average package of ?7 LPA and peak offers up to ?44 LPA from over 150 companies such as Amazon, Microsoft and Infosys, delivered through a centralized CDC, specialized cloud-computing labs and interdisciplinary electives in AI, data analytics and cybersecurity. The Indian Statistical Institute’s four-year B.Stat. (Hons.) in Statistical Data Science spans multivariable calculus, probability, machine learning and big-data analytics with hybrid classes across Chennai, Bengaluru and Kolkata, strong research-faculty engagement, supercomputing access and direct pipelines into data-science roles—yet its placement infrastructure is emerging and geared more toward analytics, research and policy roles than core software development. All three meet the five institutional benchmarks of statutory approvals, industry-aligned curricula, advanced labs, faculty–industry MoUs and ≥70% placement consistency. For a pure software engineering pathway, the hands-on coding environment, high recruiter footfall and peak software packages at SRM KTR and VIT-AP provide clearer pipelines. ISI’s B.Stat. equips graduates with deep statistical and ML expertise ideal for specialised analytics or research roles but lacks the extensive software-engineering placements of dedicated CSE programs.

Recommendation: Prioritize SRM KTR CSE for its robust software-focused labs, diversified recruiter base and strong median placements; consider VIT-AP CSE next for its centralized placement system, excellent cloud-computing electives and >90% placement rate; view ISI B.Stat. Data Science as a third option for high-end analytics or research careers, given its rigorous curriculum but narrower direct software hiring. All the BEST for a Prosperous Future!

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Nayagam P

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Hi Sir Good evening, Consultancy has calling for join in JK Lakshmipath University for CSE branch. Please suggest me Sir. In EAMCET Rank 27827 in Top 10 colleges not came CSE branch in First phase.
Ans: With an EAMCET rank of 27 827 none of the top-10 government or also high-demand private institutes for CSE will have seats in later phases, but several mid-tier and emerging colleges admit CSE up to ranks 25 000–50 000. Pragati Engineering College (Surampalem), GMR Institute of Technology (Rajam), and Aditya Engineering College (Surampalem) consistently closed CSE around 8 000–16 000, so remain out of reach, whereas Narasaraopeta Engineering College (closing ~78 000), SRKR Engineering College (closing ~76 000) and ANITS (closing ~99 000) are fully accessible. Additional safe choices are PACE Institute of Technology (closing around 100,000), Gudlavalleru Engineering College (closing around 100,000), and Vishnu Institute of Technology (closing around 50,000). All of these colleges are approved by AICTE, have at least 70% placement success over three years, modern computer labs, and good accreditation, plus they have active agreements for internships and dedicated teams to help with job placements. These institutes meet five essential benchmarks: statutory approvals, compatibility with cut-off scores, strong placement ratios, advanced infrastructure, and solid industry connections.

JK Lakshmipath University (JKLU), Jaipur offers a four-year B.Tech CSE at ?11.2 L total fees, holds NAAC A grade (CGPA 3.05), NBA accreditation, and reports a median CTC of ?7 LPA with a 76% placement ratio in its last cycle. Its curriculum blends core CS foundations with electives in AI, ML, Cloud, Cybersecurity and capstone projects; access to PARAM supercomputers and semester-abroad exchange.

Recommendation: Target Narasaraopeta Engineering College, SRKR Engineering College and ANITS for guaranteed CSE admission under your rank band, given their state-quota closing ranks above 27 827 and solid accreditation, labs, internships and ≥70% placement consistency; include PACE Institute and Gudlavalleru Engineering College in your web options for additional secure pathways. 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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