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Ramalingam Kalirajan |6804 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 20, 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

Question by krishnamoorthy on Jul 06, 2023Hindi

Money

Which is best for sip for 60 months

Ans: For a 60-month SIP, consider diversified equity funds or balanced funds that align with your risk tolerance and investment horizon. These funds offer potential for growth while spreading risk across sectors and market caps. Ensure the funds have a consistent track record and align with your financial goals. Regularly review the performance and adjust if needed to stay on track towards your investment objectives. Consulting a financial advisor can help you choose the right SIPs tailored to your needs and risk profile.

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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Vivek Lala |298 Answers |Ask -Follow

Tax, MF Expert - Answered on Sep 23, 2023

Question by Rabi - Jul 08, 2023Hindi

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Which SIP would be best for Long term.

Ans: Hello, depending on the age and duration of investment you can select the category of funds like small cap, mid cap, large and mid, multi cap, large cap, hybrid funds, thematic funds, etc.

Samraat Jadhav |2075 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 11, 2024

Asked by Anonymous - Apr 11, 2024Hindi

Money

Sir, I am 50 years old and start to invest in SIP, can do 10K per month, kindly suggest which SIP is better at this age

Ans: Go for Balanced fund SIP

Ramalingam Kalirajan |6804 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Apr 12, 2024Hindi

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.

Latest Questions

Pushpa R |21 Answers |Ask -Follow

Yoga, Mindfulness Expert - Answered on Oct 25, 2024

Asked by Anonymous - Oct 24, 2024Hindi

Health

Resected Madam, I am a 72 years male . I had undergone left hemicolectomy with diversion ileostomy ( open "Surgery" )for carcinoma descending colon on 23 March,2024 and the stoma closure was done on 17th July,2024. As per the consultant Oncologist the carcinoma was localized , did not spread to other parts of the body and I was not advised to undergone chemotherapy etc for the same reason. Kindly advise which Yoga postures I can practice now to ease constipation and also the yoga postures I must not / avoid now. With Kind Regards,

Ans: After your surgery, gentle yoga postures can help ease constipation and improve digestion. Start with simple poses like Pawanmuktasana (Wind-Relieving Pose), which can relieve gas and promote bowel movements. Lie on your back, hug one knee to your chest, and gently press it down to your abdomen, then switch legs. Practicing Supta Baddha Konasana (Reclining Bound Angle Pose) can also be very calming and helps stimulate digestion. Breathe deeply and allow your body to relax fully.

However, avoid intense twisting poses (like Ardha Matsyendrasana) and deep forward bends as these may strain your abdominal area. Also, postpone advanced poses or any practice that puts pressure on your core until you’ve fully regained strength and mobility.

Consulting a certified yoga coach is essential to ensure you perform these poses safely, especially after surgery. A coach can help you adapt postures to your current needs and gradually increase the intensity as you progress.

Warm Regards,
R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Sep 18, 2024Hindi

Career

I worked in construction in 6 different countries as a steel structure erection specialist. I am 60 years old. I am healthy and fit looking for same job @ abroad.

Ans: Dear Sir, Most recruiters tend to overlook candidates who are over the age of 50-55 when considering new hires for their companies. You can still consider applying via LinkedIn, or you might want to reach out directly to organizations in countries across the Middle East, Africa, and South East Asia. Alternatively, you may consider pursuing opportunities as a contractor in India. Consider reaching out to individuals you have collaborated with previously via the networks you engage with. All the BEST for Your Prosperous Future, Sir.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Question by Pramod - Oct 08, 2024Hindi

Career

Good evening sir, As I am working in cement company for many years but in recent I am working in JK super cement since last 5 years at the post of ASM and my age is 45 years can I switch to other cement company

Ans: Yes Promod Sir, you can. By seeking for a senior position, you can, indeed. The first and greatest place to apply for a new job is LinkedIn. Create a powerful and polished LinkedIn profile that showcases your accomplishments over the previous five years. You can either search for a suitable job or set up job alerts to receive notifications. The reputable Cement Industries even accepts direct applications by email from their websites. When applying for jobs, you should have a professionally polished and updated resume. Watch some of my resume-building and other helpful videos on YouTube at edujob360 if you have the time. And please continue with JK Cement till you get a confirmed better offer. All the BEST for Your Prosperous Future.

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Dr Chandrakant Lahariya |93 Answers |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 25, 2024

Question by Amol - Oct 20, 2024Hindi

Health

Dear Sir, I am at prediabetic stage and as reffered by doctor I am taking daily 1 tablet of metformin 500 mg. My PP sugar level is below 200 and averagely 140 to 170. Should I continue to take tablet.

Ans: Please let me know what are your fasting and Pp blood sugar levels? what is your HbA1c?
Going by current information, you might need atleast twice metformin 500 mg alongside life style modifications. 140 to 170 pp is high and need more medication.

Best,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Dr Chandrakant Lahariya |93 Answers |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 25, 2024

Question by Anil - Oct 20, 2024Hindi

Health

Hi Bikky Sir Will taking a remylin D helps in Hemoglobin? is there any relationship between hemoglobin and diabetes. What is the ideal hemoglobin percentage for men and women

Ans: Not sure if this question is for me (as I am not Bikki) but it appeared for me so I am answering this one.

Remylin D is a multivitamin with alpha lipoic acid etc. It is essentially useful supplement. In diabetes and specially those who are on treatment with Metformin etc, there is change in gut microbiota and deficiency of Vit B12 etc, so such supplements are needed. Specially those taking metformin should take such multi-vitamins.

So, Remylin D or any similar multivitamin is not a treatment of diabetes but helpful. This also helps in improving cell size of RBCs and thus treat anemia; it does not benefit in iron deficiency anemia but micro or macrocytic anemias where cell sizes are either big or small.

The other relationship between Hb and diabetes is that people who have low hameoglobin, the HbA1c, a marker for diabetes management is usually underestimated. Therefore, those who are anemic, HbA1c is not a good marker.
For male, haemoglobin should be above 13 gm% and for female above 12gm%

Best,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Nitin Narkhede |28 Answers |Ask -Follow

MF, PF Expert - Answered on Oct 25, 2024

Question by Vijay - Oct 18, 2024Hindi

Money

My name is Vijay,45 yrs with 3 kids.i have zero knowledge about sip and mf.i can invest 75000 per month and looking for long term.kindly suggest sir.

Ans: The first step in your investment journey is to define your goals clearly:
- Children's Education: With your eldest at 15, ensuring funds for higher education is crucial.
- Retirement: Aim for a comfortable retirement by age 60 to enjoy life without financial stress.
- Emergency Fund: Set aside funds for unforeseen expenses, targeting at least six months' living costs.
To make the most of your monthly investment of ?75,000, consider allocating your funds strategically:
- Emergency Fund (?15,000/month): This fund should be easily accessible. Use fixed deposits or liquid mutual funds to ensure your money is safe and available when needed.
- Children's Education (?30,000/month): Invest in a combination of equity and debt mutual funds. Large-cap mutual funds offer stability, while balanced funds provide growth potential. This mix can help your money grow over time while minimizing risk.
Retirement Fund (?30,000/month): Focus on equity mutual funds through Systematic Investment Plans (SIPs). These investments can yield significant growth over the long term, making them ideal for retirement savings.
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Oct 25, 2024Hindi

Career

Hello I have completed pcb but I'm interested in tech field. No one said or advice me to take maths or maths is needed for computer science in my school years so how can I persue my studies in technical field And i wanted to stay in my home state in gujrat only for 4 years and afterwards move abroad For masters which is better ms or MBA

Ans: I had already answered to the 1st part of your question i.e. pursuing computer science without Maths. As far as 2nd part of your question is concerned, prefer MS abroad later. All the BEST for Your Prosperous Future.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Oct 22, 2024Hindi

Career

I am a bams graduate currently stuck in a hurricane of multiple career choices suggest me what should I do should I go practice or abroad

Ans: If you prefer immediate hands-on experience and financial independence, starting your practice in India might be the better choice. If you’re passionate about making an impact in Ayurveda and possibly expanding its global reach, pursuing further studies abroad can be valuable. All the BEST for Your Prosperous Future.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Oct 22, 2024Hindi

Career

Avenues for BSc Honors Botany 3rd year

Ans: Lakshmi, Some of the options for you choose from:

Higher Education and Specialization:
• MSc in Botany or Plant Sciences: Deepens expertise in botany.
• MSc in Environmental Science or Ecology: Expands study to ecosystems, conservation, and biodiversity.
• MSc in Biotechnology or Microbiology: Opens up industrial, research, and healthcare opportunities.
• MBA in Agribusiness or Environmental Management: Combines botany with business skills.
• MSc in Horticulture or Forestry: Specialized programs focused on plant cultivation, forest conservation.

Government Jobs:
• Botanist or Environmental Scientist: Positions in government research bodies.
• Agriculture Officer or Horticulture Officer: Roles in the Department of Agriculture or Horticulture.

Research and Academia:
• Junior Research Fellowships (JRF): Offers stipends to work in research labs, universities, and government projects.
• Teaching in Schools or Colleges: With a Master’s degree, qualified for assistant professor roles or school teaching jobs.
• PhD in Botany or Related Fields: Essential for research-focused careers, teaching in universities, and leading scientific projects.

Industry and Corporate Jobs:
• Biotechnology and Pharmaceutical Companies: Roles in R&D, quality control, and product development.
• Agriculture and Agrochemicals: Roles in research, product development, and quality testing of seeds, pesticides, and fertilizers.
• Environmental Consulting Firms: Roles in environmental impact analysis, pollution control, and biodiversity assessments.

Certificates and Short Courses
• You can consider for Remote Sensing & GIS, Ethnobotany, Plant Tissue Culture, Agriculture Technology, or Bioinformatics.

All the BEST for Your Prosperous Future.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Question by Lakshmi - Oct 18, 2024Hindi

Career

what to do for completing ESG certified expert

Ans: Hope this information will be helpful to you.
• Choose an ESG Certification Program: GRI offers a Certified Sustainability Professional program.
• CFA Institute Certificate in ESG Investing: Focuses on ESG considerations for investors and financial professionals.
• SASB Fundamentals of Sustainability Accounting (FSA): Offers a certification to analyze ESG data based on industry standards.
• ESG Essentials Certificate by EFFAS: Provides a foundational course for ESG.
• Meet Eligibility Requirements: Most ESG certification programs don't have strict prerequisites, but some require a basic understanding of sustainability concepts.
• Complete Course Modules and Training: Covers core areas such as sustainable finance, ESG regulations, environmental impact assessments, CSR, and sustainable business practices.
• Pass the Exam: Certification exams test understanding of ESG principles, real-world application, and ability to analyze and implement ESG factors.
• Stay Updated with Continuing Education: Some certifications require ongoing education or recertification.
• Popular ESG Certifications with Details: CFA Certificate in ESG Investing, GRI Standards Certified Course, SASB’s FSA Credential, and University of Cambridge Institute for Sustainability Leadership. All the BEST for Your 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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