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Ramalingam Kalirajan |7466 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 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 Prasanna on Mar 01, 2023Hindi

Money

Dear Sir, which mutual funds are best suited to invest when markets are volatile?Does a SIP in Balanced Funds hold any edge over other schemes? What fundamental points should one keep in mind to create wealth using the SIP route in MFs?

Ans: During market volatility, opt for diversified equity and multi-cap funds to spread risk. Balance your portfolio with defensive options like large-cap or balanced funds for stability. Choose funds with consistent performance, stable management, and quality holdings. Maintain a balanced asset allocation aligned with your risk tolerance. Utilize SIPs to benefit from rupee-cost averaging, considering balanced funds for a middle-ground approach. Keep a long-term perspective and regularly review your investments. Remember, while investing involves risk, thorough research, diversification, and professional advice can help navigate volatile markets and achieve your financial 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.

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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 09, 2021

Question by Amit - Dec 09, 2021Hindi

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I'm Amit Pathak, 39 years old. I have invested in SIP as follows. L&T Emerging Business Opportunities Fund (Growth) -- Rs 3,000 monthly since January 2017. Current value Rs 3.52 lakhs UTI Flexi Cap Fund -- lump sum investment of Rs 50,000, six months ago L&T Nifty 50 Index Fund -- Rs 50,000 in NFO a few months ago Equities in the form of stocks -- Rs 2.5 lakhs I want to invest Rs 20,000 per month in SIP for 5-7 years. Kindly advise good funds with high returns and balanced risk profile. Thank you in advance for your advice.

Ans: These funds can be considered

Axis ESG Equity Fund (Growth)
SBI Magnum Global Fund (Growth)
DSP Focus Fund (Growth)
ICICI Prudential US Bluechip Equity Fund (Growth)

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 23, 2021

Question by Amit - Dec 23, 2021Hindi

Money

I'm Amit Pathak, 39 years old. I am investing via SIP in the following funds: 1. Rs 3,000 every month since January 2017 in L&T Emerging Business Opportunities Fund (Growth). The current value is Rs 3.52 lakhs. 2. A lumpsum investment of Rs 50,000 six months ago in UTI Flexi Cap Fund. 3. Rs 50,000 via NFO in L&T Nifty 50 Index Fund a few months ago. 4. Equities in form of stocks worth Rs 2.5 lakhs. I want to invest Rs 20,000 per month via SIP for a 5-7 year timeframe. Kindly advise good funds with high returns and balanced risk profile.

Ans: You may consider:

Mutual Funds	Plan type
DSP Top 100	Growth
Axis ESG Equity Fund	Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 17, 2022

Question by Mayandi - Nov 17, 2022Hindi

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Request you to advise me BEST MFs to start with new SIPs depending upon current market volatility.

Ans: A few schemes that you can consider are:

UTI Flexi Cap Fund – Growth

Axis ESG Equity Fund – Growth

HDFC Index Fund – Sensex Plan – Growth

Samco Flexi cap Fund - Growth

Ramalingam Kalirajan |7466 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Question by Suraj - Apr 20, 2024Hindi

Money

I am looking at investing 20,000 per month in SIP ,please suggest good mix of funds which will help generate good wealth with balanced risk. Also thinking of adding some US funds exposure (like Parag Parikh fund)

Ans: Investing ?20,000 per month in SIPs is a commendable step towards building wealth. Let's design a diversified portfolio that balances risk and growth potential while considering your interest in adding exposure to US funds like Parag Parikh Flexi Cap Fund.
Here's a suggested mix of funds:
1. Large Cap Fund: Invest ?5,000 in a reputable large-cap fund like ICICI Prudential Bluechip Fund or HDFC Top 100 Fund. These funds invest in well-established, large companies, providing stability to your portfolio.
2. Mid Cap Fund: Allocate ?4,000 to a mid-cap fund such as Axis Midcap Fund or Kotak Emerging Equity Fund. Mid-cap stocks have the potential for higher growth but come with increased volatility.
3. Small Cap Fund: Allocate ?3,000 to a small-cap fund like SBI Small Cap Fund or HDFC Small Cap Fund. Small-cap stocks offer significant growth potential but are riskier and more volatile.
4. International Fund: Invest ?3,000 in an international fund like Parag Parikh Flexi Cap Fund. This fund provides exposure to global markets, including the US, diversifying your portfolio geographically and offering growth opportunities beyond domestic markets.
5. Balanced Fund: Allocate ?5,000 to a balanced fund like Mirae Asset Hybrid Equity Fund or ICICI Prudential Equity & Debt Fund. Balanced funds invest in a mix of equity and debt instruments, offering stability and growth potential.
This diversified portfolio spreads your investments across different market segments and geographies, reducing overall risk while maximizing growth potential. Regularly review your portfolio's performance and rebalance as needed to ensure it remains aligned with your financial goals and risk tolerance.
Consider consulting with a Certified Financial Planner to tailor the portfolio to your specific needs and objectives, ensuring optimal asset allocation and risk management.

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

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Asked by Anonymous - Jan 08, 2025Hindi

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Hi , I want to invest in a long term equity stock market with a goal of 25% monthly return on the fund invested , Which are the stocks which will grow at this rate and where should i invest the amount

Ans: there are no stocks in the world which will give you 25% monthly returns. I am sorry but you need to keep your goal realistic.
if your goal is 25% monthly then I would suggest you to stay away from markets as you may end up putting your hard earned money in some ponzi scheme and loose it.
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Asked by Anonymous - Jan 08, 2025Hindi

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If someone isn’t satisfied with their CTET results, is there an option to apply for re-evaluation or rechecking? If yes, what’s the process and timeline for it?

Ans: Hello dear.
As far as I know, the Central Teacher Eligibility Test (CTET) does not provide for re-evaluation or rechecking exam results. Your current result will be treated as final result.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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The Fortinet FCP_FGT_AD-7.4 certification is a crucial credential for professionals in network security, particularly those working with FortiGate devices, as it validates the skills necessary for effectively managing and securing network infrastructures. The FCP - FortiGate 7.4 Administrator exam assesses candidates on various topics, including firewall policies, VPN configurations, and content inspection. This certification enhances individual career prospects by confirming expertise in FortiGate management and strengthens organizational cybersecurity by ensuring that skilled professionals are equipped to combat evolving cyber threats. To prepare effectively for the FCP_FGT_AD-7.4 exam, candidates should utilize a variety of study materials, including official training courses and high-quality FCP_FGT_AD-7.4 Dumps available on P2PExams, which provide realistic practice questions' and enhance understanding of the exam content. Overall, achieving this certification is a significant milestone contributing to personal development and improved security measures within organizations. For More Info Visit:p2pexams.com

Ans: What is your question? Please ask your question properly. Professor..........................:)

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Asked by Anonymous - Jan 08, 2025Hindi

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So currently I'm pursuing M.Tech in Robotics and AI from MS Ramaiah University. After this I would like to go to abroad and study further or get a job. So anyone suggest me regarding my thought on this?

Ans: Hello Varsha,

To begin with, thank you for contacting us. I am glad to see that you wish to further your career by going to study and work abroad. To answer your question, as an M.Tech student in Robotics and AI, you are well-positioned to either pursue further studies or seek employment abroad. If you’re considering continuing your education, many top universities in countries like the US, UK, Canada, and Germany offer specialized programs in AI, Robotics, and related fields at the PhD or post-Master’s level. To move forward, focus on building a strong academic profile, with research experience, relevant projects, and possibly even publications if possible.

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I have short term capital gains from shares of 4.92 lakhs and interest from savings account of 0.12 lakhs in my HUF account for FY 2023-2024. What will be my tax liability.

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Question by Aaryan - Jan 05, 2025Hindi

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I've completed my graduation (B.Sc) from Delhi University, however I've come to realise that my interest lies someplace else, I hold a passion and wish to persue masters in Psychology and be a clinical psychologist down the line, what should be my next steps? Am I eligible for a master's program in Psychology even though my undergrad is in Science? I'm really troubled and cannot find a definitive answer, Willing to put in the work to crack any exam to get into a master's program, but cannot afford private colleges, Ideally, I would like to put in the work, clear and entrance examination, get into a master's programmes, maintain a great score throughout my masters and be eligible to move to some western nation to do my PhD or psy.D, whatever is applicable, It so happens that I do not see a way forward, any guidance is very much appreciated and needed. I would like to hear your thoughts on this, thank you.

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First of all, thank you for reaching out to us. To answer your question, I can tell you that as an aspiring clinical psychologist, your B.Sc. background does not disqualify you from pursuing a Master's in Psychology, but you may need to meet specific prerequisites, such as having some foundational coursework in psychology.

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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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