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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 29, 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
NDDEVARAJ Question by NDDEVARAJ on Mar 21, 2024Hindi
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WHAT IS THE AMOUNT THAT SHOULD BE INVESTED IN SIP TO GET 2 CR WITH IN 2 YEARS

Ans: Equity SIP will deliver inflation-beating returns only in the long run ( 7+ years). 2 years is a short term. You can do SIP only in debt funds, Approximately by investing Rs 7.75 Lacs per month at 7% p.a rate of return, you will be able to accumulate 2 crores at the end of 2 years.
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  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

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My current portfolio is around 1 Cr. How much monthly SIP amount is required.to gain 5cr till 2035
Ans: As a Certified Financial Planner, my foremost goal is to assist you in formulating a structured plan to attain your financial aspirations. With a portfolio currently standing at ?1 Crore, envisioning a growth to ?5 Crore by 2035 necessitates a diligent investment strategy.

Understanding Your Financial Ambition
Congratulations on accumulating a significant portfolio of ?1 Crore. Your aspiration to quintuple this amount by 2035 reflects a commendable vision for your financial future. It's crucial to understand the timeline and the growth trajectory required to achieve this ambitious target.

Analyzing the Investment Horizon and Return Expectations
Given the target duration of 11 years till 2035, achieving a ?5 Crore portfolio requires consistent and substantial growth. With an average annual return expectation of around 12%, we can chart a strategic path towards realizing your financial goal.

Designing an Effective SIP Strategy
To embark on this journey, we'll leverage the power of Systematic Investment Plans (SIPs), a disciplined approach to investing that ensures regular contributions towards wealth accumulation. By systematically investing a fixed amount at regular intervals, we mitigate the impact of market fluctuations while benefiting from the power of compounding.

Determining the Monthly SIP Contribution
Calculating the monthly SIP amount involves striking a balance between your current portfolio size, the investment horizon, and the expected rate of return. Factoring in these parameters, we arrive at a monthly SIP contribution that aligns with your financial objective of reaching ?5 Crore by 2035.

Advocating for Actively Managed Funds
In pursuing this goal, it's imperative to opt for actively managed funds over index funds. While index funds offer low expense ratios, they lack the potential for outperformance and active risk management provided by skilled fund managers. Actively managed funds, through their dynamic strategies, strive to generate superior returns, thus better suited to achieving your ambitious target.

Emphasizing the Role of a Certified Financial Planner
As a Certified Financial Planner, my role extends beyond mere advice-giving. I serve as your financial ally, meticulously crafting and monitoring your investment plan, adapting it to changing market conditions, and ensuring it remains aligned with your evolving financial goals. By entrusting your financial journey to a CFP, you benefit from personalized guidance and a holistic approach to wealth management.

Conclusion: Charting a Course Towards Financial Success
In summary, achieving a ?5 Crore portfolio by 2035 requires a well-thought-out investment strategy centered around SIPs and actively managed funds. With a calculated monthly SIP contribution and the guidance of a Certified Financial Planner, you're poised to navigate the financial landscape with confidence, realizing your aspirations and securing your future prosperity.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

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Sir I am already investing in sip for an amount of 15000 ..it is almost a year ...my aim is 1cr in 6 years...how much should I addon.... kindly advice
Ans: It's great to hear about your commitment to SIP investments and your ambitious goal of reaching Rs. 1 crore in 6 years. Let's delve into a comprehensive strategy to help you achieve this milestone.

Evaluating Your Current Investment Strategy
SIP Performance and Goals
Your current SIP investment of Rs. 15,000 per month is a solid start towards your financial goal. To assess your progress and plan for future additions, it's crucial to consider the following aspects:

Investment Duration: You've been investing for nearly a year, which provides a foundational period to evaluate performance.

Target Amount: Aim for Rs. 1 crore in 6 years. This equates to a compounded annual growth rate (CAGR) target that needs careful planning.

Assessing Additional Investment Requirements
Calculating Required Monthly Additions
To estimate how much more you need to invest monthly to achieve Rs. 1 crore in 6 years, consider:

Target Return: Evaluate the expected annual return from your current SIPs. Typically, equity investments aim for higher returns but carry associated risks.

Compounding Benefits: Early and regular investments benefit from compounding, enhancing growth over time.

Strategic Adjustments for Goal Achievement
Increasing SIP Contributions
To bridge the gap towards your target:

Monthly Addition: Calculate the additional monthly SIP amount required based on your current investment's performance and target timeframe.

Risk Assessment: Assess your risk tolerance. If comfortable, consider increasing SIP contributions gradually to align with your goal.

Diversification and Risk Management
Portfolio Diversification
Diversifying your investments helps manage risk and optimize returns:

Asset Allocation: Balance investments across different types of mutual funds to mitigate volatility and enhance portfolio stability.

Regular Review: Periodically review and rebalance your portfolio to align with changing market conditions and financial goals.

Long-Term Wealth Creation Strategies
Planning Beyond SIPs
While SIPs form a core part of your wealth creation strategy, explore complementary avenues:

Systematic Transfer Plans (STP): Consider transferring funds from liquid investments to equity-oriented funds systematically to benefit from market opportunities.

Tax Planning: Optimize tax-saving opportunities through eligible investments like ELSS funds within the equity segment.

Final Insights
Achieving a target of Rs. 1 crore in 6 years requires disciplined investing, regular monitoring, and strategic adjustments. With continued dedication to SIPs and prudent financial planning, you're on track to realize your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

Asked by Anonymous - Oct 16, 2024Hindi
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Sir my age 40 years how much amount invest in sip after 20 years got 5 cr.
Ans: At the age of 40, you are in a great position to start planning for your financial future. Achieving Rs 5 crore in 20 years is definitely possible with disciplined investments. To achieve this goal, investing through SIPs (Systematic Investment Plans) in equity mutual funds can be your best option. Let’s dive into how much you need to invest and how to plan it right.

How Much Should You Invest?
To accumulate Rs 5 crore in 20 years, you need to invest regularly in equity mutual funds. Over long periods, these funds tend to offer higher returns, typically around 10-12% annually.

If we assume a return of 12% per year, you might need to invest around Rs 50,000 per month in SIPs to reach your goal of Rs 5 crore in 20 years.

Now, Rs 50,000 may seem high, but remember, you can start smaller and gradually increase your SIPs. Let’s look at how this can be done.

Start Small, Increase Over Time
If you cannot invest Rs 50,000 right away, don’t worry. You can start with a smaller amount, like Rs 20,000 or Rs 30,000 per month. Then, increase your SIPs every year by a certain percentage, like 10%. This approach is called SIP Top-up, and it allows you to invest more as your income grows. By doing this, you’ll eventually reach the required monthly investment over time.

Why Choose Actively Managed Mutual Funds?
You might wonder, “Why should I choose actively managed funds over index funds or direct mutual funds?”

Actively managed mutual funds are managed by professional fund managers who constantly monitor and adjust the fund’s portfolio. This allows them to perform better in volatile markets. Index funds, while cheaper, do not have this flexibility, which could limit your returns in the long run.

Investing through a Certified Financial Planner who can guide you with regular funds is also a safer option than going for direct mutual funds. The expertise of a CFP ensures your portfolio is well-diversified, managed effectively, and aligned with your financial goals.

Avoiding Direct Funds
Direct mutual funds may seem appealing due to lower costs, but they lack professional guidance. Without a CFP or professional manager, you might miss crucial market signals or fail to rebalance your portfolio at the right time. Investing in regular funds with the help of a Certified Financial Planner ensures that your investments are optimally managed.

Diversify Your Investments
While equity mutual funds should form the majority of your portfolio for growth, it’s essential to diversify your investments across different categories. This could include:

Equity Mutual Funds for long-term growth.

Debt Funds for stability and to reduce risk as you approach your target.

This diversification will protect your investments from market volatility and give you a more balanced portfolio.

Tax Implications of Mutual Funds
Understanding the tax rules is crucial to managing your investments efficiently.

Equity Mutual Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Mutual Funds: Both LTCG and STCG are taxed as per your income tax slab.

Knowing these tax rates can help you plan your withdrawals and avoid unnecessary tax burdens.

Key Points to Stay Focused On
Discipline: Make sure to invest every month without skipping your SIPs. Over time, your money will grow, and even small amounts will compound into a larger corpus.

Don’t Panic: Markets can be volatile. However, do not panic and withdraw during market corrections. Stay invested for the full 20 years to reap the benefits of compounding.

Review Regularly: Meet with your Certified Financial Planner at least once a year to review your portfolio. This ensures you stay on track and make adjustments as needed.

Final Insights
At the age of 40, investing Rs 50,000 per month in equity mutual funds through SIPs can help you accumulate Rs 5 crore in 20 years. If this amount seems high initially, start smaller and increase your SIPs each year. Avoid index funds and direct mutual funds to ensure you get the best professional advice and fund management.

Focus on disciplined investing, avoid panic during market fluctuations, and diversify your portfolio for stability.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 19, 2024

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Sir my age is 48,how much amount I have to invest in sip for 2 cr corpus in 8 year
Ans: SIP Required for Rs 2 Crore Corpus in 8 Years
At the age of 48, aiming to accumulate a corpus of Rs 2 crore in 8 years is a clear and achievable goal with disciplined SIP (Systematic Investment Plan) investments. Let's explore two methods to reach this target based on different investment strategies.

Option 1: Fixed SIP of Rs 1.25 Lakhs Per Month
SIP Amount: Rs 1.25 lakhs per month

Investment Tenure: 8 years

Expected CAGR: 12%

If you invest Rs 1.25 lakhs monthly in an equity mutual fund with a 12% annual growth rate, you will reach your goal of Rs 2 crore in 8 years.

This approach involves no changes to the monthly SIP amount throughout the investment period.

Option 2: SIP of Rs 92,000 with a 10% Step-Up
SIP Amount: Rs 92,000 per month

Investment Tenure: 8 years

Step-Up Rate: 10% annually

Expected CAGR: 12%

If you start with Rs 92,000 per month and increase your SIP by 10% each year, you can also achieve Rs 2 crore in 8 years with a 12% CAGR.

This method allows you to start with a smaller amount and gradually increase it, making it easier to manage in the initial years.

Which Option to Choose?
Fixed SIP: A fixed SIP of Rs 1.25 lakh per month is straightforward and works well if you have a steady cash flow.

Step-Up SIP: The Rs 92,000 SIP with a 10% annual increase is more flexible. It’s ideal if your income is expected to rise over time, allowing you to invest more progressively.

Factors to Consider
Risk Appetite: Since you're investing in equity funds with an expected 12% CAGR, keep in mind that these returns are based on historical market performance. Markets may be volatile in the short term but generally smooth out over the long run.

Discipline: Consistency is crucial. Whether you opt for a fixed SIP or a step-up, the key is to stick to the plan throughout the 8 years.

Emergency Fund: Ensure that your liquidity needs are taken care of with a separate emergency fund so you don't disrupt your SIPs.

Final Insights
Both methods can help you achieve your Rs 2 crore goal. The fixed SIP of Rs 1.25 lakhs gives you a straightforward, no-increase approach. The step-up SIP of Rs 92,000 per month allows more flexibility and is ideal if you expect a gradual rise in income.

Best Regards,

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

..Read more

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Nayagam P

Nayagam P P  |9418 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

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Bsc computer science Delhi University or VIT bhopal CSE cloud computing.....which is better
Ans: Poonam, Delhi University’s three-year B.Sc. (Hons Computer Science follows a Choice Based Credit System with 14 core papers—including Programming in C++, Java, Data Structures, Operating Systems, Computer Networks, Design and Analysis of Algorithms, Database Management Systems, Theory of Computation, Artificial Intelligence and Computer Graphics—supplemented by discipline-specific electives, generic electives and skill-enhancement courses totaling 140 credits under CBCS. The program enjoys AICTE approval, UGC recognition, NAAC ‘A+’ accreditation, a Central Placement Cell that achieved an 88.42% placement ratio in 2022-23 with 252 offers from 78 companies (highest-to-median packages undisclosed) and median UG packages of ?5.5 LPA (three-year) and ?8.5 LPA (four-year) as per NIRF 2024. DU benefits from a highly experienced, research-active faculty, extensive university clubs and industry tie-ups for internships, but admits only via DU-CET with limited seat flexibility and minimal specializations beyond core CS.

In contrast, VIT Bhopal’s four-year B.Tech CSE (Cloud Computing and Automation) is a 160-credit program featuring 55 credits of core CS (Data Structures, Algorithms, Operating Systems, Networks), 12 credits of cloud architecture and services, 15 elective credits (AI, ML, IoT, Cybersecurity, DevOps, Containerization, Blockchain), plus university and soft-skill courses under a Fully Flexible Credit System. Accredited by UGC, NAAC A++ (2021), NBA and ABET-aligned FFCS, it boasts 100% doctoral faculty, a 1:70–1:100 faculty-student ratio, dedicated cloud-computing labs, PARAM HPC access and a centralized VIT Career Development Centre recording over 90% placement for CSE branches with average packages near ?11 LPA and marquee recruiters across IT and core sectors. VIT offers semester-wise elective choice, lateral exit options and interdisciplinary projects, but commands higher fees (~?7.92 L) and admits via VIT-EEE or JEE Main rank.

While DU’s B.Sc. CS delivers rigorous theoretical grounding, diverse electives and cost-effective public-university benefits with strong placement support for core CS roles, VIT Bhopal’s CSE (Cloud Computing) provides specialized industry-aligned cloud curriculum, superior lab infrastructure, flexible credit system, higher placement percentages, and stronger corporate partnerships—albeit at greater cost and commitment.

Recommendation: For a student prioritizing a cost-effective, broad theoretical foundation with reputable public-university prestige and adequate placement infrastructure, B.Sc. (Hons.) CS at Delhi University is compelling. Conversely, for those seeking specialized cloud computing expertise, cutting-edge labs, flexible curriculum choices, higher placement rates and global industry tie-ups—even at higher fees—the B.Tech CSE (Cloud Computing and Automation) at VIT Bhopal is more aligned with emerging technology careers. All the BEST for a Prosperous Future!

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Dear Sir, My son has secured admission to Information Science Engineering (ISE) at Nitte Meenakshi Institute of Technology, Bangalore. He wanted to study at colleges like RVCE or PES, but based on his KCET/JEE rank, it is difficult to get admission to these colleges. Hence, I am exploring the option of a CSE management seat in these colleges. How are the future prospects of ISE at NMIT? Is it worth spending for a management seat? Your advice will greatly help us make a well-informed decision. Let me know if you need any further edits or have additional content to check!
Ans: Amit Sir, After carefully researching the fee structures for MQ seats at RVCE and PES—which can reach ?50–75 lakh including tuition, hostel, and related costs—it’s important to assess the return on such a significant investment. Spending more than ?25 lakh for an undergraduate engineering seat is rarely justifiable, regardless of affordability. A better approach is to pursue quality education at a Tier-2 college and supplement it with technical and soft-skills certifications; this combination can be highly effective for career growth. Success in any engineering branch depends on staying updated with evolving job market requirements. Regarding ISE at NMIT & the Scope of This Branch: The Information Science & Engineering (ISE) program at Nitte Meenakshi Institute of Technology blends robust academic foundations, accreditation, cuttingedge infrastructure, research engagement, and strong placement outcomes to prepare graduates for rapidly evolving technology roles. Established in 2001, the department holds NBA Tier-1 accreditation (Washington Accord) valid through 2026–27 and VTU affiliation, underscoring its adherence to global quality standards and rigorous outcome-based curriculum design. The syllabus spans core computing principles (data structures, algorithms), advanced domains (machine learning, cybersecurity, IoT, cloud computing), and hands-on capstone projects in state-of-the-art labs equipped with HPC clusters, specialized AI/DS workstations, embedded systems platforms, and dedicated research facilities for doctoral and postgraduate work. Faculty members actively engage in sponsored research projects from DST, SERB, AICTE and industry partners, fostering a culture of innovation and equipping students with problem-solving and analytical skills essential for complex system design. Industry tie-ups and MoUs with leading IT firms and technology providers enable structured internships, hackathons, and industrial training, bridging the academia–industry gap and ensuring graduates are workforce-ready. The dedicated placement cell records an 88.37% placement rate for ISE graduates in 2024, with recruiters including Infosys, Wipro, IBM, Dell and emerging startups, reflecting sustained demand for ISE skills across software development, data analytics, cybersecurity and network engineering wings. Broad IT industry projections anticipate over 30% growth by 2028 in areas such as AI/ML, big data, cloud services, and cybersecurity, driven by Digital India initiatives and global digital transformation. ISE graduates can pursue roles as software engineers, data scientists, cybersecurity analysts, cloud architects and IoT specialists, and also explore research, product management and entrepreneurial ventures in HealthTech, FinTech and Industry 4.0 domains. Backup pathways include specialized M.Tech and online certifications in data science/AI and emerging fields. With its accredited curriculum, modern labs, research orientation, industry collaborations and strong placement record, NMIT’s ISE program offers comprehensive preparation for future technology careers and leadership roles in a dynamic job market.

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Rvs College of engineering Jamshedpur how do u rate?
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RVS College’s strong AICTE/NAAC credentials, industry-aligned curriculum, specialized labs and consistent 60–87% placement rates make it a solid choice for core engineering streams. Prospective students should engage proactively in its corporate workshops and alumni network to maximize internships and research-project opportunities. 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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