Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 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
Asked by Anonymous - Apr 12, 2024Hindi
Listen
Money

Which one is the best SIP as on date to invest

Ans: Determining the "best" SIP depends on various factors such as your financial goals, investment horizon, risk tolerance, and current market conditions. However, here are some general considerations to keep in mind when selecting a SIP:

Investment Objective: Choose a SIP that aligns with your investment goals. For example, if you're seeking long-term growth, you might consider equity-oriented funds. On the other hand, if you prioritize capital preservation, debt funds might be more suitable.

Risk Profile: Assess your risk tolerance before selecting a SIP. Equity funds typically carry higher risk but also offer the potential for higher returns over the long term. Debt funds, on the other hand, are generally lower risk but offer lower potential returns.

Fund Performance: Evaluate the historical performance of the SIPs you're considering. Look for consistent and competitive returns compared to their benchmark indices and peers. Keep in mind that past performance is not indicative of future results.

Fund Manager Track Record: Consider the track record and expertise of the fund manager managing the SIP. A skilled and experienced fund manager can play a crucial role in delivering consistent returns over time.

Expense Ratio: Pay attention to the expense ratio of the SIP, as it directly impacts your returns. Lower expense ratios can lead to higher net returns for investors.

Diversification: Ensure that your investment portfolio is well-diversified across different asset classes, sectors, and fund houses to mitigate risk.

Regular Review: Regularly review your SIPs to ensure they remain aligned with your financial goals and market conditions. Make adjustments as necessary based on changes in your circumstances or market outlook.

Ultimately, the "best" SIP for you will depend on your individual financial situation and investment objectives. Consider consulting with a financial advisor who can provide personalized advice based on your specific needs and goals.
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Listen
Money
Sir which SIP will be best for investment?
Ans: Choosing the best SIP (Systematic Investment Plan) involves evaluating several factors to ensure it aligns with your financial goals and risk tolerance.

Understanding SIP
SIP is a method of investing a fixed amount regularly in mutual funds. It offers the benefit of disciplined investing and rupee cost averaging.

Assessing Your Investment Goals
Before selecting an SIP, it's essential to define your investment goals.

Are you saving for retirement, a child's education, or buying a house?

Evaluating Risk Tolerance
Your risk tolerance determines the type of funds you should invest in.

Are you comfortable with high risk for potentially high returns, or do you prefer stability?

Time Horizon
Your investment horizon influences the type of mutual funds you should choose.

A longer time horizon allows for more aggressive investments.

Benefits of Actively Managed Funds
Actively managed funds are managed by professional fund managers who aim to outperform the market.

Advantages Over Index Funds
Higher Returns: Actively managed funds aim to beat the market index, potentially offering higher returns.

Flexibility: Fund managers can adjust the portfolio based on market conditions.

Diversification: These funds often have a diversified portfolio to mitigate risk.

Disadvantages of Index Funds
Limited Flexibility: Index funds strictly track an index, limiting flexibility.

No Outperformance: They aim to match, not outperform, the index.

Market Cap Bias: These funds are heavily weighted towards large-cap stocks, which might not always offer the best returns.

Types of Funds for SIP
Equity Funds
Equity funds invest primarily in stocks. They offer high growth potential and are suitable for long-term investments.

Large Cap Funds
These funds invest in large, well-established companies. They offer stability and moderate growth.

Mid Cap Funds
These funds invest in mid-sized companies. They have higher growth potential but come with increased risk.

Small Cap Funds
These funds focus on smaller companies. They can offer substantial returns but with higher volatility.

Debt Funds
Debt funds invest in fixed-income securities like bonds. They offer stability and regular income.

Short-Term Debt Funds
Suitable for conservative investors seeking stable returns in the short term.

Long-Term Debt Funds
Offer higher returns but with increased interest rate risk.

Hybrid Funds
Hybrid funds combine equity and debt investments. They offer a balanced approach, providing both growth potential and stability.

Balanced Advantage Funds
These funds dynamically manage the allocation between equity and debt based on market conditions.

Choosing the Right SIP
Factors to Consider
Fund Performance: Look at the fund's historical performance and compare it with benchmarks.

Expense Ratio: Lower expense ratios can improve net returns.

Fund Manager’s Track Record: A skilled and experienced fund manager can significantly impact the fund's performance.

Risk-Return Profile: Ensure the fund’s risk profile matches your risk tolerance.

Suggested Categories for SIP
Large Cap Equity Funds: For stability and moderate returns.

Mid Cap Equity Funds: For higher growth potential with moderate risk.

Small Cap Equity Funds: For aggressive growth with higher risk.

Balanced Advantage Funds: For a balanced approach between equity and debt.

Short-Term Debt Funds: For conservative investors seeking stable returns.

Consulting a Certified Financial Planner
Personalized Advice: A CFP provides tailored investment strategies based on your goals and risk profile.

Holistic Planning: They consider your entire financial situation and future needs.

Expert Guidance: Benefit from their market knowledge and experience in managing investments.

Conclusion
Choosing the best SIP depends on your financial goals, risk tolerance, and investment horizon. Consider a mix of large, mid, and small-cap funds, along with hybrid funds, for a balanced and diversified portfolio.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

Listen
Money
Can you please tell me the best sips for long term 12 yrs investment plan
Ans: A 12-year SIP investment plan is ideal for wealth creation. Long-term investing helps overcome market volatility and compound returns effectively. Let’s create a structured plan for you to achieve your financial goals.

Why SIPs for Long-Term Investments
Power of Compounding: SIPs maximise returns over the long term by compounding.

Rupee Cost Averaging: It reduces risk by spreading investments across market cycles.

Discipline: Regular investments cultivate financial discipline for goal achievement.

Flexibility: You can start, pause, or modify SIPs based on financial needs.

Focus on Actively Managed Funds
Superior Returns: Active funds outperform passive ones by focusing on high-growth opportunities.

Dynamic Strategy: Fund managers adjust portfolios to adapt to market conditions.

Expert Guidance: Professional fund managers ensure better diversification and performance.

Recommendation: Choose actively managed funds with a strong track record and experienced managers.

Suggested Mutual Fund Categories for 12-Year Horizon
Equity Funds
Large-Cap Funds

Invest in well-established companies with stable growth.
These are ideal for moderate-risk investors.
Mid-Cap Funds

Focus on mid-sized companies with high growth potential.
Suitable for investors willing to take moderate to high risk.
Flexi-Cap Funds

Invest across large, mid, and small-cap companies.
Offer diversification and balanced growth.
Sector or Thematic Funds

Invest in specific sectors like technology or healthcare.
Suitable only for investors who can take higher risks.
Hybrid Funds
Aggressive Hybrid Funds

Combine equity and debt for balanced risk and returns.
Ideal for cautious investors seeking equity exposure.
Balanced Advantage Funds

Dynamically allocate between equity and debt based on market conditions.
Provide stable returns during volatile periods.
Setting Realistic Expectations
Wealth Accumulation: SIPs generate significant wealth over 12 years if done consistently.

Investment Amount: A monthly SIP of Rs. 10,000 may accumulate Rs. 50-60 lakhs in 12 years.

Growth Potential: Larger SIPs or additional investments can help achieve higher corpus goals.

Tax Implications on Mutual Fund Investments
Equity Funds: LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Debt Components: Gains are taxed as per your income slab.

Tax Efficiency: Choose funds aligning with your tax bracket for better post-tax returns.

Importance of Diversification
Reduce Risk: Allocate investments across equity, hybrid, and debt funds.

Optimise Returns: Diversification balances high-growth and stable-income assets.

Avoid Concentration: Invest in 4-5 funds across different categories.

SIP Investment Strategies
Increase SIP Annually

Align SIPs with income growth to boost corpus.
Stay Invested

Avoid premature withdrawals to let compounding work.
Rebalance Periodically

Adjust portfolio based on market performance and life goals.
Final Insights
A 12-year SIP investment plan ensures disciplined wealth creation. Actively managed funds provide better growth opportunities than index funds. Focus on diversification, consistent investments, and regular reviews for optimal returns.

Your long-term commitment to SIPs can transform your financial future significantly.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10172 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi
Career
Good evening sir ,I am planning to join universal ai university mumbai is best for cse i got 98%i boards and 85%in mains
Ans: Universal AI University Mumbai, established as India’s first dedicated AI University, offers a specialized B.Tech in Computer Science focusing on Artificial Intelligence and Machine Learning. Accredited by AICTE and NBA, it features a curriculum designed with significant experiential learning (65%) and inputs from industry partner LTIMindtree, encompassing internships, research projects, and leadership development. The university boasts a modern, well-equipped campus with strong infrastructure, including AI labs, advanced facilities, and a peaceful, supportive learning environment. Placement records are impressive, with a 98% hiring rate reported in 2022, an average package over ?10 LPA, and top recruiters like Amazon, KPMG, Deloitte, and EY. Students benefit from exposure to multidisciplinary subjects and global collaborations. Existing student reviews praise faculty quality and campus life but sometimes note high fees and evolving placement processes. Given your excellent 98% board marks and 85% JEE main score, you are competitive for admission and likely to thrive in this tech-focused environment if cost aligns with your budget.

Recommendation: Universal AI University is a strong choice for CSE with AI focus, combining cutting-edge education, robust placements, and industry partnerships to support your career growth. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |10172 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
Good evening sir.WHICH ONE IS BEST Puducherry Technological University ECE OR RAJALAKSHMI ENGINEERING COLLEGE CHENNAI CSE
Ans: Nesal, Puducherry Technological University (PTU) offers a strong Electronics and Communication Engineering (ECE) program with well-qualified faculty, robust infrastructure, and an active placement cell. The university reported an impressive 88.75% placement rate for 2024, with a median salary of ?6 LPA. Major recruiters include TCS, Infosys, Cognizant, and Zoho, supported by comprehensive career development initiatives like workshops and communication skills training. Rajalakshmi Engineering College (REC) Chennai provides a reputed Computer Science and Engineering (CSE) program featuring a dedicated placement cell and consistent industry connections. REC’s recent placement rate is approximately 87%, with a median salary near ?5.4 LPA, attracting recruiters such as Cognizant, Infosys, IBM, and Accenture. Both institutions focus on academic rigour, faculty expertise, industry exposure, and student support, but PTU's ECE boasts a higher placement percentage and package median, while REC offers a strong CSE specialization with multiple recruiter engagement.

Recommendation: Choose Puducherry Technological University for its stronger placement outcomes and higher median salary in ECE if priority is on immediate job prospects. Opt for Rajalakshmi Engineering College for CSE specialization with solid industry ties and comprehensive skill development, aligning with career goals in software and computing. The final choice should reflect your preferred branch and long-term professional focus. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |10172 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi
Career
My son has got B.Tech core CSE in both VIT vellore (category 5) and PES university, Electronic City campus. We are based in Bangalore. Please suggest which is a better option?
Ans: VIT Vellore offers a well-established Computer Science and Engineering program with a broad campus, strong infrastructure, and consistent placement rates around 60-65%. The average package is approximately ?9.9 LPA, with top recruiters like Microsoft, Amazon, and Apple, reflecting its robust industry connections and global brand recognition. PES University, located in Bangalore’s Electronic City, benefits from proximity to major IT hubs and offers a competitive Computer Science program with a median placement package around ?8 to ?9 LPA and placement rates near 70-80%. PES has a modern campus, reputed faculty, and strong industry collaborations, especially valuable for local internships and networking opportunities.

Recommendation: Prioritize PES University for its Bangalore location, closer industry links, and higher placement rate, which favor practical exposure and career networking. Choose VIT Vellore for its brand prestige, larger campus, and internationally recognized curriculum. Your decision should balance local engagement advantages at PES with the extensive reputation and infrastructure strengths of VIT. This alignment will optimize your son's academic and career trajectory based on his personal preferences and future goals. My suggestion: Based on location & fees, prefer PES-EC-CSE. However, he should consistently maintain a strong CGPA and continuously enhance his skills through his fourth year to remain competitive with CSE peers both at the Electronic City campus and the RR (Banashankari) campus of PES for Campus Placement. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |10172 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
Sir I'm confused between Pillai New Panvel and Sies for electronics and computer science course that which is better actually I am interested in cs it but I don't have great percentage i have scored 87 in diploma so for dse which college should I prefer according to placement?
Ans: Sanjana, Pillai College of Engineering (PCE) New Panvel offers a robust Electronics & Computer Science program with specialized tracks in AI, ML, IoT, Robotics, and Cloud Computing. It has commendable infrastructure, a research focus, and around 70–80% placement rates, with median packages near ?4.4 LPA and top recruiters including Reliance and Capgemini. The curriculum integrates both electronics and computing fundamentals, preparing students for diverse tech roles. SIES Graduate School of Technology, Mumbai provides a similarly comprehensive Electronics and Computer Science course with strong infrastructure but a smaller intake. It reports a higher placement rate around 90%, average packages near ?8 LPA, and recruiters like TCS, Infosys, and Reliance. While SIES offers a slightly better placement performance and higher average packages, PCE balances good placement statistics with a broader specialization and research opportunities. Both colleges maintain qualified faculty and industry ties, but SIES's higher placement record may better suit students aiming for IT-centric careers.

Recommendation: Prefer SIES Graduate School of Technology for Electronics and Computer Science for stronger placement outcomes and average packages aligned with IT career goals. Consider Pillai College of Engineering for its diverse technical specializations and solid placements if broader tech exposure and research are priorities. Align the choice with your career focus between IT-intensive roles (SIES) and combined electronics-computer science expertise (PCE). All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x