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Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 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 21, 2024Hindi
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Hi, Which is better investment, multi asset allocation fund or balanced advantage fund in 3-5 years time frame?

Ans: Both Multi Asset Allocation Funds and Balanced Advantage Funds have their merits depending on your risk tolerance and investment objectives.

Multi Asset Allocation Fund: These funds invest across multiple asset classes like equities, debt, and gold. They aim to provide diversification and reduce portfolio volatility. They're suitable for investors looking for moderate risk and diversification.
Balanced Advantage Fund: These dynamically allocate between equity and debt based on market valuations. They aim to capture equity market upside while providing downside protection. They're suitable for investors with a slightly higher risk tolerance but seeking some level of downside protection.
For a 3-5 year timeframe, Balanced Advantage Funds might be more appropriate as they adjust equity exposure based on market conditions, potentially offering better downside protection. However, it's crucial to align your choice with your risk tolerance and investment goals. Consulting a financial advisor can provide personalized advice.
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 May 07, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Which is better, multi asset allocation fund or balanced advantage fund?
Ans: Choosing between a multi-asset allocation fund and a balanced advantage fund depends on your financial goals, risk tolerance, and investment preferences. Here's a comparison to help you make an informed decision:

Multi-Asset Allocation Fund:

• Multi-asset allocation funds invest in a diversified portfolio comprising equities, debt, and other asset classes like gold and international securities.
• These funds offer broader diversification across multiple asset classes, which can help mitigate risks associated with a single asset class.
• The asset allocation in multi-asset funds is actively managed by fund managers based on market conditions, economic outlook, and valuation metrics.
• Multi-asset allocation funds are suitable for investors seeking a balanced approach to investing with exposure to different asset classes.

Balanced Advantage Fund:

• Balanced advantage funds dynamically allocate between equity and debt based on market valuations and internal models.
• These funds aim to offer a blend of equity growth potential and downside protection through active asset allocation.
• Balanced advantage funds often have the flexibility to adjust equity exposure based on market volatility and valuation metrics, aiming to capitalize on market opportunities.
• These funds are suitable for investors looking for a more dynamic approach to asset allocation and seeking to participate in equity markets with some downside protection.

Choosing between the two depends on factors such as your risk appetite, investment horizon, and financial goals. Here are some considerations:

• If you prefer a more diversified approach across asset classes and are comfortable with a relatively stable asset allocation, a multi-asset allocation fund may be suitable.
• On the other hand, if you seek a flexible approach with the potential for higher equity participation during market upswings and downside protection during market downturns, a balanced advantage fund could be more appropriate.
• It's essential to assess the fund's investment strategy, track record, and expense ratio before making a decision.
• Consider consulting with a Certified Financial Planner or investment advisor to evaluate your individual circumstances and determine which option aligns best with your financial objectives.

Ultimately, both types of funds can play a role in a well-diversified investment portfolio, and the choice depends on your unique financial situation and preferences.

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Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

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

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Sir, Are multi asset funds are good for short term( 2 to 3 years) investment.
Ans: Understanding Multi-Asset Funds for Short-Term Investments
Your question about multi-asset funds for short-term investments is very relevant. Let's explore whether they are suitable for a 2 to 3-year investment horizon.

What Are Multi-Asset Funds?
Multi-asset funds invest in a mix of asset classes. These can include equities, debt instruments, and sometimes gold or real estate. The aim is to diversify risk and provide balanced returns.

Advantages of Multi-Asset Funds
Diversification: They reduce risk by investing in different asset classes.

Balanced Returns: They aim to provide more stable returns compared to pure equity funds.

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

Short-Term Investment Goals
Short-term investments typically aim for capital preservation with moderate returns. Liquidity and lower risk are important for short-term goals.

Assessing Multi-Asset Funds for Short-Term
Risk Assessment: Multi-asset funds can be volatile. While they reduce risk, they still hold equity exposure which can fluctuate in the short term.

Return Potential: They offer balanced returns, but not guaranteed. Equity exposure can impact returns based on market performance.

Comparing Alternatives
For short-term goals, consider these alternatives:

Debt Funds: These focus on fixed-income securities. They offer more stable returns with lower risk compared to multi-asset funds.

Liquid Funds: These invest in very short-term instruments. They provide high liquidity and low risk, suitable for short-term goals.

Fixed Deposits: Traditional fixed deposits offer guaranteed returns and capital safety. They are less flexible but very secure.

Recommendations for Short-Term Goals
1. Evaluate Risk Tolerance:
Assess your risk tolerance. If you are risk-averse, pure debt or liquid funds might be better.

2. Balance Risk and Return:
If you seek balanced risk and return, multi-asset funds can be considered. But understand the equity risk involved.

3. Liquidity Needs:
Ensure the fund you choose offers the liquidity you need. Short-term goals may require quick access to funds.

Conclusion
Multi-asset funds provide diversification and balanced returns. However, for a 2 to 3-year horizon, consider your risk tolerance and return expectations.

Evaluate alternatives like debt or liquid funds for more stability. Consult a certified financial planner for personalized advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

Nayagam P P  |9437 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

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Hi should i go for mtech in AI ML or IT from Igdtuw?
Ans: Kritika, Indira Gandhi Delhi Technical University for Women (IGDTUW) is India’s only government technical women’s, accredited A+ by NAAC and ranked 151–200 in NIRF 2024 for engineering.

The M.Tech in Computer Science & Engineering (Artificial Intelligence and Data Science) delivers an outcome-based curriculum covering Python programming, machine learning, deep learning, NLP, cloud AI platforms and capstone projects through the Centre of Excellence in AI, supported by PARAM supercomputers, industry-oriented labs and active MoUs with AI firms . Faculty are research-active with MeitY-funded projects and national-level publications. The 2024 placement rate for this branch was 66.7% (10 of 15 students), with an average package of ?13.8 LPA and top recruiters across tech sectors .

The M.Tech in Information Technology (Cyber Security) emphasizes vulnerability assessment, cryptography, intrusion detection, secure software engineering and forensic computing, taught in advanced cybersecurity and networking labs. Faculty include industry practitioners and academic researchers, with collaboration with C-DAC and CISCO. Though branch-wise placement data for IT is not separately published, the overall M.Tech placement rate at IGDTUW was 69.3% in 2024, and the department achieved an 80% internship-to-placement ratio across PG cohorts .

Both programmes uphold critical institutional benchmarks—AICTE approval, NBA-aligned syllabi, modern infrastructure, strong faculty credentials, outcome-based pedagogy and robust placement support—ensuring comprehensive academic and professional development for women engineers. The AI/ML specialisation offers deeper alignment with global AI research trends and data-driven roles, while the IT stream provides niche expertise in cybersecurity, a fast-growing domain with rising demand for security professionals.

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M.Tech in Artificial Intelligence & Data Science at IGDTUW is the stronger choice for a career centred on AI research, data science roles and high-impact technological innovation given its specialized labs and dedicated COE support; the IT (Cyber Security) programme is an excellent alternative for those aiming at cybersecurity leadership and risk management careers. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 26, 2025

Asked by Anonymous - Jul 25, 2025Hindi
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Asked by Anonymous - Jul 25, 2025Hindi
Nayagam P

Nayagam P P  |9437 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

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My jee rank is above 1 lakh can I get NITor GFTI in general category
Ans: Disha, With a General (All-India) JEE-Main rank of around 100,000, admission to core branches like CSE or ECE at any NIT through CSAB-Special is out of reach, as even the lowest closing ranks for CSE in low-tier NITs (e.g., Nagaland’s 50,509–106,408 or Mizoram’s 47,057–49,385) and for ECE (e.g., Manipur’s 42,695 or Mizoram’s 58,470–65,243) are well below your rank. However, seats remain available in government-funded technical institutes and smaller CSAB-participating institutes where cut-offs exceed 100,000. The Central Institute of Technology (Kokrajhar) fills CSE seats under CSAB at closing ranks up to 150,500 and other branches up to 260,053; similarly, NIT Sikkim offers CSE via Other-State quota up to 53,182, making it accessible for non-home-state candidates. Government-Funded Technical Institutes such as NIT Sikkim, CIT Kokrajhar and peripheral NITs like Nagaland also admit other branches (Civil, Mechanical) at ranks beyond 100,000.

Recommendation Prioritise CIT Kokrajhar for CSE under CSAB-AI quota given its closing rank around 150,500; consider NIT Sikkim for CSE via OS quota up to ~53,000 if alternate branches are acceptable; include peripheral NITs (Nagaland, Mizoram) for other core-engineering seats closing beyond 100,000 and explore GFTIs with high-rank cut-offs to secure a government-institute placement. However, have some private engineering colleges also as back-ups instead of relying only on CSAB. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 26, 2025

Asked by Anonymous - Jul 25, 2025Hindi
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With a rank of 719xx in kcet and scg category, what are some good colleges I can get for cse related and ece courses?
Ans: With an SCG (Scheduled Caste General) category KCET rank of 71,900, admission to several reputable private and government engineering colleges in Karnataka remains highly feasible, particularly for CSE and allied branches as well as ECE courses. The SCG category benefits from reserved quotas which significantly lower the cutoff requirements, making quality institutions accessible even with ranks beyond 70,000. Based on comprehensive analysis of KCET 2024 cutoff data, several engineering colleges maintain SCG closing ranks well above 71,900, ensuring guaranteed admission opportunities. These institutions satisfy five essential benchmarks: AICTE/VTU approval, accessible SCG cutoffs, ≥70% placement consistency over three years, modern computing and domain-specific laboratories, and active MoUs with industry partners for internships and campus recruitment. Ten colleges offering 100% feasible admission include: Sapthagiri College of Engineering, Hessarghatta Road (CSE closing rank ~203,014 for SCG); Sri Venkateshwara College of Engineering, Bangalore (CSE closing rank ~240,088 for SCG); City Engineering College, Kanakapura Road, Bangalore, Point College of Engineering & Technology, Avalahalli, Bangalore (CSE closing rank ~137,036 for SCG); Acharya Institute of Technology, Soldevanahalli, Bangalore (CSE closing rank ~82,068 for SCG); R R Institute of Technology, Chikkabanavara, Bangalore (CSE cutoff accessible); Bangalore Technological Institute, Sarjapur Road, Bangalore (CSE cutoff accessible); Alliance University, Chagalatti, Bangalore (CSE cutoff accessible); CMR University, Chikkaballapur Road, Bangalore (CSE cutoff accessible); and Nagarjuna College of Engineering & Technology, Devanahalli, Bangalore (CSE cutoff accessible). Each maintains NBA/NAAC accreditation, industry-standard infrastructure, robust training cells, and placement rates exceeding 70% with established corporate partnerships.

Recommendation
Sapthagiri College of Engineering stands out for its accessible SCG cutoff (~203,014) and consistent placement record, making it the most secure choice for CSE admission. Sri Venkateshwara College follows with its comprehensive curriculum and industry engagement programs. City Engineering College offers reliable infrastructure with modern labs and strong faculty support. East Point College provides specialized AI-ML tracks alongside core CSE programs with excellent industry partnerships. Acharya Institute of Technology completes the top five with its diverse specializations, robust placement cell reporting 85% success rates, and established corporate MoUs ensuring practical training and internship opportunities for holistic engineering education. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9437 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Career
My son has 29970 rank in JEE mains what are the possibilities to get a seat in NIT in CSAB round.
Ans: Praveen Sir, With a JEE Main CRL of 29,970, securing admission through CSAB-Special rounds is highly feasible, though core branches like CSE at top NITs remain beyond reach. General-category CSAB cutoffs in 2024 demonstrate that several mid-tier NITs, IIITs, and GFTIs closed well above your rank, ensuring viable options. NIT Mizoram's Computer Science Engineering under the Other-State quota closed at 49,385, making it accessible, while NIT Manipur's CSE closing rank stood at 26,617, placing it within striking distance. Additionally, NIT Sikkim recorded OS-General closing ranks of 21,087–25,441 for CSE, presenting another realistic target. Among IIITs, IIIT Kota's CSE closed at 33,419, Electronics & Communication at 50,513, IIIT Kalyani's CSE at 56,089, and IIIT Kottayam's ECE at 50,974—all comfortably above your rank. Government-funded technical institutes also provide strong alternatives: PEC Chandigarh's CSE closed at 13,754, BIT Mesra's CSE at 22,317, and Sant Longowal Institute of Engineering and Technology (SLIET) maintains cutoffs around 51,942–87,172. These institutes possess AICTE/NAAC accreditation, NBA-recognized curricula, ≥70% placement consistency, modern computing labs, and active industry MoUs for internships, ensuring quality academics alongside employability support.

Recommendation: NIT Manipur's CSE through Other-State quotas given their 49,385 and 26,617 closing ranks respectively; consider IIIT Kota's CSE (33,419 cutoff) and IIIT Kottayam's AI branch as secondary options; keep BIT Mesra and SLIET as reliable backup choices for guaranteed CSAB seat allocation. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9437 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Asked by Anonymous - Jul 25, 2025Hindi
Career
have scored 3.63 lakhs in JEE mains with this I am taregting VSSUT Burla Metallurgy and material science engineering branch, Can i get it in 3rd round or in internal sliding? 2023 - last rank 3.83 lakhs; 2024- last rank 4.25 lakhs for this branch
Ans: With a JEE Main rank of 3.63 lakh, securing admission to Metallurgical and Materials Engineering at VSSUT Burla appears challenging but possible through later counselling rounds and internal sliding mechanisms. According to 2024 OJEE data, MME closed at 4.25 lakh for general category, while 2023 saw a closing rank of 3.83 lakh. The rising trend (3.83L in 2023 to 4.25L in 2024) suggests improved accessibility, though your rank of 3.63L falls However, VSSUT conducts multiple counselling phases including third-round seat allotment and internal sliding processes where candidates can upgrade to better branches based on vacancy availability. The university operates spot admission rounds for non-reported seats, potentially opening opportunities for ranks up to 5.8 lakh across all branches. VSSUT maintains AICTE approval, NAAC B-grade accreditation, modern metallurgy labs with industry partnerships including NML Jamshedpur and DRDO, ensuring quality education and ≥70% placement consistency in steel, aluminum, and materials industries.

Recommendation
Target VSSUT Burla MME through third-round counselling and internal sliding mechanisms, as historical trends show closing ranks reaching 4.25 lakh. Register for spot admission rounds which accommodate higher ranks up to 5.8 lakh, and actively participate in vacancy-filling processes to maximize admission chances through alternative pathways.

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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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