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Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 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
Tejachari Question by Tejachari on May 06, 2024Hindi
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Which fund is best for long time for childrens

Ans: Investing for your children's future is a significant financial decision that requires careful consideration of various factors to ensure their long-term prosperity. As a Certified Financial Planner, I commend your foresight in planning for your children's financial well-being. Let's explore the key considerations and recommend suitable mutual funds for long-term wealth accumulation for your children.

Step 1: Define Your Objectives
Start by defining your objectives for investing on behalf of your children. Determine the purpose of the investment, such as funding their education, securing their future, or providing a financial nest egg for major life events. Clarifying your goals will guide your fund selection process and help you stay focused on your children's future needs.

Step 2: Assess Your Investment Horizon
Consider your children's ages and the time horizon for their financial goals. A longer investment horizon allows for a more aggressive investment strategy, including a higher allocation to equity funds for potential long-term growth. Younger children typically have a longer time frame, enabling you to weather market fluctuations and benefit from compounding returns over time.

Step 3: Choose Suitable Fund Categories
Select mutual fund categories that align with your investment objectives and risk tolerance. For long-term growth, equity funds, including diversified equity funds, large cap funds, and balanced funds, are well-suited to capture the potential upside of the stock market over time. These funds offer exposure to high-quality stocks and provide the opportunity for capital appreciation over the long term.

Step 4: Consider SIP Investments
Systematic Investment Plans (SIPs) are an excellent way to invest for your children's future, allowing you to contribute regularly and benefit from rupee cost averaging. Choose mutual funds that offer SIP options with flexible investment amounts and convenient online management. SIPs enable disciplined wealth accumulation and can help you achieve your investment goals systematically over time.

Step 5: Research Fund Performance and Fund Managers
Conduct thorough research on mutual funds within your chosen categories, evaluating factors such as historical performance, fund size, expense ratio, and the track record of the fund manager. Look for funds with consistent long-term performance and experienced fund managers who demonstrate expertise in navigating various market conditions.

Step 6: Review and Monitor Regularly
Regularly review your children's investment portfolio to ensure it remains aligned with their evolving needs and your long-term objectives. Monitor fund performance, reassess asset allocation, and make any necessary adjustments based on changing market conditions or shifts in your children's financial goals.

Conclusion
Investing for your children's future requires a strategic approach and a long-term perspective. By defining your objectives, assessing your investment horizon, choosing suitable fund categories, and conducting thorough research, you can build a well-diversified portfolio of mutual funds that maximizes the potential for long-term growth and secures a bright financial future for your children.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |9383 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Sir, l want to gift my grand child Gift& growth oriented fund. Please suggest the best fund.
Ans: Investing in a gift and growth-oriented fund for your grandchild is a thoughtful gesture that can provide long-term financial benefits. When selecting a fund, consider factors such as the investment horizon, risk tolerance, and the fund's track record. Here are some general guidelines to help you choose the best fund:

Equity-oriented Funds: Equity funds have the potential to offer higher returns over the long term but come with higher volatility. If you have a long investment horizon (typically 5 years or more) and are comfortable with market fluctuations, consider equity-oriented funds.
Diversified Funds: Opt for funds that provide diversification across sectors and market capitalizations. Diversified funds spread investments across various stocks, reducing concentration risk.
Consistent Performance: Look for funds with a track record of consistent performance over multiple market cycles. Check the fund's historical returns and compare them with relevant benchmarks to assess performance.
Fund Manager Expertise: Evaluate the expertise and experience of the fund manager managing the fund. A skilled and experienced fund manager can make a significant difference in fund performance.
Expense Ratio: Consider the expense ratio of the fund, which affects the overall returns. Lower expense ratios translate to higher net returns for investors.
Investment Philosophy: Understand the investment philosophy and strategy of the fund. Ensure it aligns with your investment objectives and risk appetite.
Risk Profile: Assess the risk profile of the fund and match it with your grandchild's risk tolerance. If you prefer lower risk, you may opt for balanced or hybrid funds, which invest in a mix of equities and debt securities.
Regular Monitoring: Regularly monitor the performance of the chosen fund and make adjustments as needed based on changing market conditions and investment goals.
Considering these factors, you can explore options such as diversified equity funds, large-cap funds, or balanced funds, depending on your preferences and requirements. It's advisable to consult with a financial advisor or Certified Financial Planner for personalized advice tailored to your specific situation and goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

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

Asked by Anonymous - May 16, 2024Hindi
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Firstly, thanks for patiently answering everyone's questions ????. Can you please suggest a suggest a MF which i wznt to invest in for next 10 years for my kids higher education. I see lot of children related mutual funds but unable to decide on one. I am ok to take high risk since ny inv would be for more than ten years.
Ans: Investing for your child's education is a thoughtful decision that requires careful consideration. I appreciate your dedication to securing their future. Let's delve into selecting the right mutual fund for this purpose.

Understanding Your Investment Horizon and Risk Appetite
Investing for your child's education over a ten-year period is a commendable strategy. Since you're comfortable with high risk, you have the potential for higher returns over the long term.

Evaluating Mutual Fund Options
When considering mutual funds for your child's education, it's essential to focus on funds with a proven track record of long-term growth. Look for funds managed by experienced professionals with a history of delivering consistent returns.

Active vs. Passive Management: Making the Right Choice
While index funds offer low fees and broad market exposure, they may not outperform actively managed funds, especially during volatile market conditions. Actively managed funds, overseen by skilled fund managers, have the flexibility to adapt to market changes and potentially outperform the market indices.

Emphasizing the Benefits of Active Management
Actively managed funds offer the advantage of professional oversight, where fund managers actively research and select investments to maximize returns and mitigate risks. This approach can be particularly beneficial in volatile markets, helping to navigate uncertainties and capitalize on emerging opportunities.

Disadvantages of Direct Funds and the Benefits of Regular Funds through a Certified Financial Planner
Direct investing requires significant time and expertise to research, select, and monitor investments effectively. By working with a Certified Financial Planner (CFP), you gain access to professional guidance and personalized investment strategies tailored to your financial goals and risk tolerance. Through a Mutual Fund Distributor (MFD) with a CFP credential, you can benefit from ongoing support and portfolio reviews, ensuring your investments remain aligned with your objectives.

Making an Informed Decision
Consider mutual funds with a focus on sectors or themes aligned with your child's educational aspirations. Diversification is key to managing risk, so opt for funds with a well-balanced portfolio across various asset classes.

Conclusion
Investing in mutual funds for your child's higher education requires a thoughtful approach that considers your investment horizon, risk tolerance, and the expertise of fund managers. By leveraging the benefits of active management and seeking guidance from a Certified Financial Planner, you can make informed decisions that lay the foundation for your child's bright future.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9383 Answers  |Ask -

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

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Dear sir which mutual fund children education suitable my children age 8years and 3years .my age 44.Give some mutual fund name Can i invest 01 years in sip?
Ans: Planning for Bright Futures: Choosing Mutual Funds for Your Children's Education
That's fantastic that you're thinking about your children's education so early! With your 8-year-old and 3-year-old, you have a good amount of time to invest and grow a corpus for their future studies. Let's explore some key points to consider:

Choosing the Right Investment:

Long-Term Goal: Your children's education needs are long term (8-15 years for the elder one and 13-18 years for the younger one).

Investment Horizon: Considering their ages, you have a long investment horizon, which allows for potentially higher growth options.

Actively Managed Funds for Growth:

Given your long-term perspective, actively managed funds can be a good option. Here's why:

Outperform the Market: These funds have fund managers who try to pick promising stocks and beat the market average. This has the potential for higher returns compared to passively managed options.
Matching Time Horizon with Risk:

Aggressive Balanced Actively Managed Funds: For your elder child (8 years old, longer time horizon), consider a more aggressive balanced actively managed fund. This offers a mix of equity and debt, with potentially higher growth but also more risk.

Balanced Actively Managed Funds: For your younger child (3 years old, even longer time horizon), a balanced actively managed fund might be suitable. This offers a good balance between growth and stability.

Remember, I can't recommend specific funds. A Certified Financial Planner (CFP) can suggest specific actively managed funds based on your risk tolerance and investment goals.

A Word on Investment Tenure:

While a 1-year SIP is possible, it's generally not recommended for long-term goals. SIP (Systematic Investment Plan) is a great way to invest regularly for long-term goals. Rupee-cost averaging helps you benefit from market ups and downs. Consider a longer SIP tenure to benefit from compounding (earning interest on your interest).

Benefits of a CFP:

A CFP can create a personalized plan for you. They can:

Analyze Your Risk Tolerance: Are you comfortable with potential market fluctuations? A higher risk tolerance allows for potentially higher returns through aggressive investments.

Recommend Investment Mix: A CFP can suggest a suitable mix of actively managed funds based on your risk tolerance and your children's age-specific needs.

Review and Rebalance: Your financial situation and goals might change over time. A CFP will monitor your progress and adjust your plan as needed.

Additional Considerations:

Review Existing Investments: Do you have any existing investments? A CFP can assess their suitability for your children's education goals.

Government Schemes: Explore government schemes like Sukanya Samriddhi Yojana for your daughter's education (if applicable).

Investing in Your Children's Future:

By starting early and planning strategically, you can ensure your children have the resources they need for a bright future. Actively managed funds within a diversified portfolio can be a powerful tool for growth, but remember, they also carry risk. Consulting a CFP can help you navigate your options and make informed investment decisions for your children's education.

Don't wait! Schedule a consultation with a CFP to get started on your child's education planning journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |7817 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Hello, sir please help me choose between Electrical and Computer Engineering in Manipal Jaipur or Bennet University CSE. My goal is to upskill myself in software and IT, also looking for a good peer, placement and exposure. It would be a great help for shaping my future. Waiting eagerly for your replies..
Ans: Shivam, Bennett University’s B.Tech CSE program, under a Times Group-backed deemed university, holds NAAC A++ accreditation and an IIRF overall rank of #26 among private universities in 2025. The School of CSET boasts 100% PhD faculty, 110+ state-of-the-art labs (NVIDIA AI CoE, Apple iMac, Dell EMC Analytics), and research output exceeding 900 publications and 74 patents. Its placement cell facilitated 232 recruiters in 2023, with CSE placements around 70–80% over three years, and top interns progressing from year two into full-time roles.

Given your goal to upskill in software and IT, a strong peer group, and robust placement and exposure, both offer modern infrastructure and industry linkages. However, MIS Jaipur’s ECE provides broader hardware-software integration with higher placement consistency, while Bennett delivers specialized computing facilities and research intensity, though its CSE placements are slightly lower.

Recommendation: Prioritise Manipal Jaipur ECE for consistent 93% placements, extensive recruiter network, and dual hardware-software labs enhancing employability in IT roles. Choose Bennett CSE if you seek cutting-edge AI/ML research labs, a PhD-leaning faculty cohort, and don’t mind slightly lower placement rates for deeper software exposure. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 04, 2025

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Sir please suggest me the better option between ssn integrated mtech cse core and shiv nadar university chennai ai and data science
Ans: Ganesh, Sri Sivasubramaniya Nadar College of Engineering’s five-year Integrated M.Tech in CSE is NBA-accredited and holds NAAC A++ status, led by over 90% PhD-qualified faculty and supported by dedicated Data Science, Machine Learning, and IoT labs. Its Career Development Centre reports a 100% placement rate for M.Tech CSE over the last two years and an average placement rate of 89% for the past three years, with recruiters such as Amazon, Google, and IBM. Shiv Nadar University Chennai’s two-year M.Tech in AI & Data Science is offered by an Institution of Eminence, accredited by UGC and NAAC A, featuring state-of-the-art AI/ML and Computer Vision labs, a high-performance GPU cluster, and industry collaborations through research centers in generative AI and big-data analytics; however, as a newly launched PG program (2023), dedicated placement data for M.Tech cohorts are not yet available, though its UG AI/DS program achieves 95% placements.

Recommendation: For proven placement consistency, established accreditation, and mature CSE infrastructure with near-universal campus hiring, prefer SSN’s Integrated M.Tech CSE. If cutting-edge AI/DS research facilities, IoE branding, and interdisciplinary innovation opportunities outweigh immediate placement certainty, consider SNU Chennai’s M.Tech AI & Data Science once its initial PG placement data matures. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 04, 2025

Asked by Anonymous - Jul 03, 2025Hindi
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IIITH CSE vs BITS PILANI MNC/ECE vs BITS GOA/HYD CSE How to choose betweem these? I have heard that placements are similar in these colleges. How to decide ? Kindly help me as many people said there are no extracurriculars in iiith
Ans: IIIT-Hyderabad CSE records a 99.27% overall placement rate with an average package of ?26.34 LPA and peak recruiter engagement from top product firms in AI, systems, and R&D, but its smaller campus and intense academics can limit extracurricular breadth. BITS Pilani’s Mathematics & Computing and ECE branches maintain ~90% first-degree placements with average packages of ?20–24 LPA, supported by legacy labs, a six-month Practice School internship program, and an expansive alumni network. BITS Goa CSE achieves ~91% UG placements with an average package of ?20.36 LPA, offering modern computing and AI labs across its three campuses, though its comparatively lower campus brand may affect recruiter depth slightly. All three boast PhD-qualified faculty, NBA/NAAC accreditations, and strong industry tie-ups, delivering similar placement consistency but differing in campus culture, research focus, and extracurricular opportunities.

Recommendation: For top-tier research, global product roles, and willingness to forgo extensive extracurriculars, choose IIIT-Hyderabad CSE. For a balanced interdisciplinary curriculum with robust internship pipelines and alumni mentorship, opt for BITS Pilani MnC/ECE. If you prefer modern multi-campus exposure and strong AI-lab infrastructure, select BITS Goa CSE. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 04, 2025

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Career Counsellor - Answered on Jul 04, 2025

Asked by Anonymous - Jul 03, 2025Hindi
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My daughter is getting CSE at RVCE as well as Mathematics and Computing at IIT Goa and Dharwad. Where does RVCE stand in comparison to these IITs and what would be the better choice?
Ans: RV College of Engineering’s CSE program, NAAC A+ and NBA accredited, benefits from a 1:13 faculty-student ratio with predominantly PhD holders, well-equipped programming, AI/ML, and networking labs, strong Bangalore-based industry tie-ups, and a three-year average placement rate of 88% (97% in 2022, 93% in 2023, 75% in 2024). IIT Goa’s BTech in Mathematics and Computing, NIRF-ranked and NBA/NAAC accredited, has specialized computational and applied mathematics labs, direct research collaborations with IIT Bombay, 96% of the 2024 batch placed in CSE/MnC roles, and a 90.7% overall placement rate over three years. IIT Dharwad’s MnC program, NIRF #101-150, offers interdisciplinary curriculum with high-performance computing and simulation facilities, PhD-active faculty, but records a 61.7% CSE/MnC placement in 2024. All three have robust career cells, but RVCE leads in placement consistency and Bangalore ecosystem, while IIT Goa excels in brand, research orientation, and high median placements, and IIT Dharwad offers strong lab infrastructure with improving industry outreach.

Final Recommendation:
For immediate placement strength and industry integration in Bangalore, recommendation is RVCE CSE. If long-term research scope, brand value, and higher median packages matter more, choose IIT Goa MnC. IIT Dharwad MnC is a solid alternative if you prioritise interdisciplinary computing labs and lower fees. All the BEST for the Admission & 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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