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Ramalingam

Ramalingam Kalirajan  |8164 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 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
San Question by San on Apr 16, 2024Hindi
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What are the indicators of risk in a Mutual Fund Scheme

Ans: Ah, mutual funds! A great way to navigate the market, but like any good adventure, there's always a bit of risk involved. So, how do we gauge this risk? Well, imagine you're setting sail on a ship – wouldn't you want to know if it's built for calm seas or choppy waters?

Here's your captain's checklist for mutual fund risk:

The Portfolio's Compass: What kind of stocks or bonds does the fund invest in? Large, established companies are generally smoother sailing than smaller, high-growth ones.
The Market's Current: Different sectors can be more volatile than others. A fund heavily invested in technology might experience bumpier rides than one focused on consumer staples.
The Historical Charts: How has the fund performed in the past? Just because it's been smooth sailing recently doesn't guarantee calm seas ahead. Past performance isn't always a perfect indicator, but it can be a helpful clue.
These are just a few indicators, and remember, a good map (your investment plan) and a trusty advisor (a Certified Financial Planner) are crucial for a successful voyage!
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  |8164 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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How do Mutual Funds help manage risk
Ans: Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities such as stocks, bonds, or other assets. Here's how mutual funds help manage risk:
1. Diversification: Mutual funds invest in a diversified portfolio of securities across different asset classes, sectors, industries, and geographic regions. Diversification helps spread risk and reduces the impact of adverse events affecting a single security or sector on the overall portfolio.
2. Professional Management: Mutual funds are managed by experienced fund managers who conduct thorough research, analysis, and investment selection based on market conditions, economic outlook, and investment objectives. Fund managers make informed decisions to optimize returns while managing risks effectively.
3. Risk Assessment and Management: Fund managers assess various types of risks such as market risk, credit risk, liquidity risk, and interest rate risk associated with the securities in the portfolio. They employ risk management techniques such as asset allocation, security selection, and hedging strategies to mitigate risks and protect investors' capital.
4. Asset Allocation: Mutual funds allocate investments across different asset classes such as equities, fixed income securities, and cash equivalents based on the fund's investment objective and risk profile. Asset allocation helps balance risk and return potential, depending on investors' goals, time horizon, and risk tolerance.
5. Regulatory Oversight: Mutual funds are regulated by regulatory authorities such as the Securities and Exchange Board of India (SEBI) in India. Regulatory oversight ensures that mutual funds adhere to regulatory guidelines, disclose relevant information to investors, and operate in a transparent and accountable manner, enhancing investor protection and confidence.
6. Transparency and Liquidity: Mutual funds provide transparency regarding their portfolio holdings, investment strategy, and performance through regular disclosures and reports. Additionally, mutual funds offer liquidity, allowing investors to buy or sell fund units at prevailing net asset values (NAVs) based on the fund's liquidity terms and redemption process.
By offering diversification, professional management, risk assessment, regulatory oversight, and transparency, mutual funds help investors manage risk effectively while seeking to achieve their financial goals over the long term.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner
www.holisticinvestment.in

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |305 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 29, 2025

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What are the chances to get merit out in afcat for flying branch if you've cleared all stages till medical but with a slightly average written marks?
Ans: Hi Gaurav,
Greetings.
Whenever we decide to take an entrance exam, it’s important to review the guidelines thoroughly. Like other entrance exams, CDAC has provided details on their website regarding the examination process. Admission is based on the vacancies available in the respective areas, and candidates will be admitted after a proper evaluation.

As you mentioned, there are several stages that candidates must clear for admission, if a candidate achieves average marks (Point 8a. (v) In order to rationalise the marks scored by candidates appearing in different shifts in an objective manner through a statistical method, before declaration of result marks scored by candidates will be Normalised based on the formula ), it can be challenging to predict their likelihood of admission. The Air Force has the discretion to set qualifying marks for any or all subjects of the examination. Below are points extracted from CDAC to provide more clarity about the admission process.

Sometimes, they may even consider a second cut-off if necessary ( Based on organizational requirements, IAF may impose a second cut-off for particular branch and call additional eligible candidates for SSB testing. These candidates will be shortlisted purely based on order of merit for the particular branch. That particular branch should be one of the choices submitted by the candidate at the time of registration. The candidature of candidates thus shortlisted, will be valid for that particular branch only and not for any other branch. In the overall Order of Merit, they will be placed below the last candidate qualifying the First AFCAT cut off marks {Para 9(a) above}. If successful in the selection process, these candidates will be inducted into that particular branch only, subject to vacancies and order of merit. These candidates would be required to submit an undertaking to this effect).

So,If you've decided to pursue this path, then proceed with thorough preparation.

BEST OF LUCK.
POOCHO. LIFE CHANGE KARO!

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Nayagam P

Nayagam P P  |4401 Answers  |Ask -

Career Counsellor - Answered on Mar 29, 2025

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My daughter scored 94.62 percentile in IIT JEE mains exam 2025 session 1. She belongs to general category. Which colleges she have chances to get admission
Ans: Dr, Here is, How to Predict Your Daughter's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Daughter's Admission Chances Using JoSAA Data
Step 1: Collect Your Daughter's Key Details
Before starting, note down the following details:

Her JEE Main percentile
Her category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Her Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your daughter's admissions!

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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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