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

Samraat Jadhav  |2437 Answers  |Ask -

Stock Market Expert - Answered on May 13, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Asked by Anonymous - May 07, 2024Hindi
Listen
Money

Dear sir, which option is better? Daily SIP in mutual funds or daily SIP in stocks ??? ,considering the fact bout inflation too..

Ans: mutual funds
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

Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on Feb 20, 2024

Asked by Anonymous - Feb 19, 2024Hindi
Listen
Money
What can give better returns in the long run? Investing in MF SIPs or investing in stock SIPs? I would like to invest Rs 60,000 each every month in stocks as well as MFs directly.
Ans: Deciding between investing in Mutual Fund Systematic Investment Plans (SIPs) and Stock Systematic Investment Plans depends on various factors including your risk tolerance, investment goals, time horizon, and knowledge of the stock market.

Here are some considerations for both options:

Mutual Fund SIPs:

• Diversification: Mutual funds offer diversification across a range of stocks or other assets, reducing the risk compared to investing in individual stocks.
• Professional Management: Mutual funds are managed by professional fund managers who make investment decisions on your behalf, based on their research and expertise.
• Accessibility: Mutual funds are accessible to investors with varying levels of knowledge and experience in the stock market.
• Lower Risk: Generally, mutual funds are considered lower risk compared to individual stocks due to diversification.

Stock SIPs:

• Potential for Higher Returns: Investing directly in stocks can offer higher returns if you pick the right stocks. Some individual stocks have the potential for significant growth over time.
• Control: With stock SIPs, you have more control over your investment decisions and can choose which stocks to invest in based on your own research and analysis.
• Higher Risk: Investing directly in stocks carries higher risk compared to mutual funds due to lack of diversification. If you choose poorly performing stocks, your portfolio may suffer.
• Requires Research and Monitoring: Investing in individual stocks requires a good understanding of the companies you're investing in and regular monitoring of their performance.

Decision:

Considering your investment amount of Rs 60,000 each per month in both stocks and mutual funds, you could consider a hybrid approach:

• Allocate a portion of your investment towards mutual fund SIPs for diversification and lower risk.
• Allocate the remaining portion towards stock SIPs if you're willing to take on higher risk for potentially higher returns and have the time and knowledge to research and monitor individual stocks.

It's also advisable to consult with a financial advisor who can assess your individual financial situation and help you create a personalised investment plan tailored to your goals and risk tolerance. Additionally, past performance of investments is not indicative of future results, so make sure to consider all factors before making your decision.

..Read more

Ramalingam

Ramalingam Kalirajan  |10375 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 04, 2024Hindi
Listen
Money
Hi , opting MF for one time investment (ex-for 5years) is better or investing every month as SIP is better? which one you suggest us to go for? Thanks in advance.
Ans: Choosing between a one-time investment and a monthly SIP depends on your financial goals, risk tolerance, and market conditions. Let's analyse both options.

One-Time Investment
Pros:

Lump Sum Growth: You invest a large amount at once. It grows over time, potentially benefiting from market upswings.

Immediate Exposure: Your entire amount is exposed to the market right away. This can be beneficial if the market rises soon after your investment.

No Monthly Commitment: Once invested, you don't need to remember to invest every month.

Cons:

Market Timing Risk: A single investment is subject to market volatility. If the market drops right after you invest, your portfolio can lose value quickly.

No Cost Averaging: You miss out on the benefits of rupee cost averaging. This can lead to higher risk during market fluctuations.

Systematic Investment Plan (SIP)
Pros:

Rupee Cost Averaging: By investing regularly, you buy more units when prices are low and fewer when prices are high. This averages out the cost of investment.

Reduced Risk: SIPs spread your investment over time. This reduces the impact of market volatility.

Discipline: SIPs instil a habit of regular saving and investing. It ensures consistent contribution towards your financial goals.

Cons:

Smaller Immediate Exposure: Your money enters the market gradually. This can be less beneficial during strong market upswings.

Monthly Commitment: Requires regular contributions, which need disciplined financial planning.

Recommendations
1. Combination of Both:

Initial Lump Sum: Invest a portion of your money as a one-time investment. This gives immediate exposure and growth potential.

Regular SIPs: Start a SIP with the remaining amount. This benefits from rupee cost averaging and reduces risk over time.

2. Portfolio Diversification:

Diversified Funds: Invest in a mix of large-cap, mid-cap, and small-cap funds. Add aggressive hybrid funds for balanced growth.

Avoid Index Funds: Actively managed funds can outperform index funds. They adapt to market changes, aiming for better returns.

Additional Strategies
1. Emergency Fund:

Safety Net: Keep an emergency fund to cover 6-12 months of expenses. This prevents dipping into your investments during emergencies.
2. Regular Review:

Periodic Assessment: Review your investments every six months. Adjust your portfolio based on performance and market conditions.
3. Tax Planning:

Tax-Saving Funds: Invest in tax-saving mutual funds. This helps reduce your tax liability and increase savings.
Disadvantages of Direct Funds
1. Lack of Guidance:

Professional Advice: Regular funds through a certified financial planner (CFP) offer expert guidance. They tailor investments to your goals.

Better Service: CFPs provide regular updates and reviews. This ensures your investments stay on track.

Final Insights
Opting for a combination of one-time investments and SIPs is a balanced approach. It maximises growth potential and reduces risk. Regularly review and adjust your portfolio to stay aligned with your financial goals. Consulting a Certified Financial Planner can help you achieve a well-rounded investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10375 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 29, 2024

Listen
Money
Sir is it better to invest in stocks or investing through mutual fund sip
Ans: Assessing Direct Stock Investment
Potential for High Returns

Investing directly in stocks can offer high returns.
Stocks can outperform mutual funds over the long term.
Requires Deep Knowledge

Stock investment needs good market knowledge.
You must research and analyse individual companies.
Higher Risk

Stocks can be highly volatile.
There’s a risk of significant losses.
Time-Consuming

Monitoring stock investments requires time and effort.
You need to stay updated with market trends and news.
Benefits of Mutual Fund SIPs
Professional Management

Mutual funds are managed by professional fund managers.
They make informed decisions based on market analysis.
Diversification

Mutual funds invest in a diversified portfolio.
This reduces the risk compared to investing in individual stocks.
Convenience and Discipline

SIPs (Systematic Investment Plans) offer convenience.
They instill financial discipline by regular investments.
Lower Risk

Mutual funds spread risk across multiple stocks.
They are less volatile compared to individual stocks.
Evaluating Your Investment Style
Risk Tolerance

Assess your risk tolerance before deciding.
Stocks are high-risk, high-reward; mutual funds offer balanced risk.
Time and Knowledge

Consider the time you can dedicate to investment research.
Mutual funds require less time and knowledge.
Investment Goals

Define your financial goals and time horizon.
Mutual funds can align better with long-term goals.
Disadvantages of Direct Funds
Lack of Professional Guidance

Direct funds lack professional advice.
DIY approach might not suit everyone.
Time-Consuming

Requires constant monitoring and knowledge.
Might not be feasible for busy professionals.
Risk of Suboptimal Choices

Higher risk of choosing inappropriate funds.
Can lead to lower returns.
Benefits of Regular Funds
Professional Advice

Investing through an MFD with CFP credentials offers professional guidance.
Better fund selection and portfolio management.
Time-Saving

CFP handles the research and monitoring.
Saves you time and effort.
Optimized Returns

Expert advice leads to better investment choices.
Potentially higher returns compared to direct funds.
Final Insights
Investing in stocks can offer high returns but comes with high risk and requires time and knowledge. Mutual fund SIPs, on the other hand, offer professional management, diversification, and convenience, making them a safer and more suitable option for most investors.

Consider your risk tolerance, time, and investment goals before deciding. Consulting a Certified Financial Planner can help tailor a strategy that suits your needs and maximizes returns.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Latest Questions
Shalini

Shalini Singh  |171 Answers  |Ask -

Dating Coach - Answered on Sep 02, 2025

Asked by Anonymous - Sep 02, 2025Hindi
Relationship
Hi, I am 32M. I never had any relationships in the past...One sided was there but I overcame it and focused on my work. One day in gym i came across a girl 23F, we connected on insta and started chatting. Eventually we fell in love, I know this doesn’t sound good due to the age gap. We dated, had good times and emotionally connected with each other a lot. Now while discussing something, she revealed that she is not a virgin. There was a guy in her society she met around 3 years back (when she was 19) and she was in one sided love with him. They never confessed their love to each other. And she is not in touch with him anymore it was long back. Also she said she had made out with another guy whom she met 1 month back during her classes, prior to meeting me. I was really hurt to listen all these. Like how all these things she is doing at this age. I accepted her and then we had good 2 months again. After 2 months, I got to know she was following the first guy on insta. When confronted she said she used to like to see him and his girlfriend together. She was really not in touch with the guy but she was just following him. It was hurtful to me. We had a big fight on this. They used to share intimate pics with each other too. After forcing her to tell everything about her past, she told that she used to flirt with lot of boys. First in junior college with best friend she shared intimate pics, then met with the guy she lost virginity with, then she met another friend she shared pics with. Then in last year, in classes she shared pics with friend, then again with someone and then she had a crush on some guy with whom she made out. She was connected with them on insta. Like no talks but she was following them and they followed her too. There were almost 6-7 guys she used to talk as friend and has shared intimate pics and she called it flirting. I was shocked to hear all these. I am still shocked. This is out of my mind. It is very difficult to accept that few boys have intimate pics of my girlfriend. She has been very very loyal to me since we are together. She never got this kind of love in her life. She is really super happy in this relationship. We are emotionally connected a lot. I have treated her like a child and I love her a lot. She comes from a good family. She says she has been in wrong circle and all her friends are like this only. She cried a lot and she regrets it deeply like what she has done and she wants to get out of all these. But if feel, a persons character never changes. There will be so cold moments in relationships In future, will she be able to manage herself and stay honest. I really doubt a lot. She is really good at heart like a family girl but her past is really really terrible I feel. I feel, even though I love her will I be able to accept her past. Do I deserve this ? Do my family deserve this ? But again I think of risking it all because she is really invested in this relationship and I feel very bad to break her heart. I come from a very traditional background and believe in sacred and pure form of love. But I feel I got trapped in something which I can’t leave and can’t have whole heartedly. I am not able to focus on my work and everything. It’s hurting me a lot. Should I accept her ac she is or moving on will be better for both of us, even though it might break her heart.
Ans: Why are you thinking about the past, doing so you are messing up your now.
If you trust the person then do so 100% - let it not be half-baked.
Wishing you the best.

...Read more

Nayagam P

Nayagam P P  |10720 Answers  |Ask -

Career Counsellor - Answered on Sep 02, 2025

Career
Hello sir.... I wanted to pursue ba/bsc psychology from a rci approved college but I don't have any clearity that what should be right. Since I have passed 12th in this year only I have given my cuet but my marks where not that good to get into any college I have filled the form of Calcutta University where I can get addmission through my 12th marks that is 72% overall but I didn't get into any as I'm from general category and cut offs are high.. mop up rounds are still yet to happen. But I talked there.. there are barely some colleges which are serious about teaching psychology and I don't think I can get into some good college that's why I'm thinking to take a drop I don't want to still and abhi bhi looking for some colleges which maybe have seat vacant so that I can try to get into that.. i don't have any clarity regarding which is good govt college because I can't afford private colleges whose fees is that high for pursuing psycology if I'm taking a gap year
Ans: Ayushi, With 72% in Class XII, you meet eligibility for most RCI-approved undergraduate psychology programs, which typically require 50–55% in PCM/Science or Humanities and English proficiency. The Rehabilitation Council of India (RCI) mandates that psychology graduates from approved institutions can register as professionals, so ensure the college holds RCI recognition or operates under a parent university with RCI-approved syllabi.

In West Bengal, government options are limited. The closely watched University of Calcutta offers a three-year BA Psychology through its morning shift at Ashutosh College and evening shift at Surendranath College with cutoffs often around 80% in general category. Vacancy rounds sometimes dip to 70–72%, so mop-up rounds could open seats. Rabindra Bharati University provides BA Psychology via merit; its cutoff hovers near 75%. Vidyasagar University in Midnapore and North Bengal University at Jalpaiguri offer BSc Psychology with lower cutoffs (65–70%), making them accessible.

Government colleges in Northern India include University of Delhi’s Cluster Innovation Centre and Gargi College, both offering BA Psychology admissions purely on Class XII marks. Their cutoffs range from 85–90%, so direct admission is unlikely at 72%, though invitation to waitlists in niche sections (e.g., evening courses) can occur. Banaras Hindu University’s BSc Psychology has a 70–75% cutoff in mop-up rounds. Panjab University (Chandigarh) and Punjab University (Patiala) allow 65–70% entries in BSc Psychology programs. University of Lucknow and Aligarh Muslim University also admit on board marks, often requiring 70–75%.

Affordable private institutions in West Bengal with RCI-approved curricula include St. Xavier’s College, Kolkata, which conducts its own merit list and lowers cutoffs to 72% in later rounds. Presidency University also admits psychology undergraduates through its merit list. In North India, Christ University (Bengaluru campus) and Amity University offer scholarships to board-mark entrants drops seats for those without CUET scores, but fees remain higher. DAV College, Chandigarh, and Maitreyi College, Delhi, provide BA Psychology at moderate fees (?30,000–40,000 per year) based on 12th marks.

Practical Roadmap and Solutions
Track Mop-Up Rounds and Merit Lists: Immediately monitor UC, Rabindra Bharati, Presidency, and St. Xavier’s websites daily for vacancies. Prepare scanned documents for swift online submission.

Apply to Multiple Institutes: Simultaneously apply to Vidyasagar University, North Bengal University, BHU, Panjab University, and Lucknow University in their ongoing merit-based admission windows. Their lower cutoffs increase chances.

Secure Waiting-List Positions: For high-demand colleges like Calcutta University and Delhi University, join all available waitlists, including evening programmes, which often have softer cutoffs.

Explore Evening/Shift Courses: Many reputed institutions offer evening or self-financed sections with relaxed cutoffs. Investigate Ashutosh College evening shift, DU evening courses, and PU self-financed sections.

Financial Planning for Private Colleges: Shortlist affordable options Inquire about scholarships or fee-installment plans at DAV College Chandigarh and Maitreyi College to help mitigate costs.

Bridge Courses and Summer Programs: As you finalize admissions, consider enrolling in online certificate courses in introductory psychology, research methods, and statistics from platforms like NPTEL or Coursera to enhance your portfolio.

Consider Gap-Year Strategy: If no suitable seat materializes by mid-October, plan a structured gap year focused on significantly improving CUET scores. Engage in disciplined self-study with coaching for CUET’s aptitude, English, and psychology modules.

CUET Preparation: Develop a timetable allocating two hours daily for CUET Psychology syllabus (foundations, developmental, abnormal, social, and research methods) and one hour for General English and Logical Reasoning. Use previous years’ CUET papers and take weekly mocks to track progress.

Alternate Entrance Exams: Some private universities conduct their own entrance tests (Christ University’s CUCET, Amity’s AUEET). Register for these supplementary exams to widen your admission avenues.

Mentorship and Counseling: Seek guidance from academic mentors or a career counselor to evaluate admission offers, financial implications, and long-term career trajectories in clinical, counseling, or research psychology.

By following this multipronged approach—pursuing merit-based vacancies, evening/self-financed programs, affordable private colleges, and preparing for CUET retake if required—you can maximize your chances of enrolling in an RCI-approved psychology UG programme without forfeiting a year.

Exhaust mop-up and merit-based admission options in government and reputed private colleges by mid-October, while preparing a robust CUET retake plan during a potential gap year to secure admission into top-tier psychology programs. 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