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Ramalingam

Ramalingam Kalirajan  |10894 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2025

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
Priya Question by Priya on May 30, 2025
Money

Dear Sir, I would like to know if there are any mutual fund options that can also give me regular returns ?

Ans: Yes, your query is very thoughtful.

There are mutual funds that offer regular income options.

Let us look at them in detail.

 
 

Monthly Income Through Mutual Funds
Some hybrid mutual funds aim to give regular cash flows.

 
 

These are ideal for retirees or those needing monthly income.

 
 

But these payouts are not guaranteed like bank FDs.

 
 

The amount and frequency can vary based on scheme performance.

 
 

These funds offer dividend payout options or Systematic Withdrawal Plan (SWP).

 
 

What is a Systematic Withdrawal Plan (SWP)?
SWP allows you to withdraw a fixed amount regularly.

 
 

You invest a lump sum, and take out fixed money monthly.

 
 

Your capital stays invested and continues to grow.

 
 

This is more tax-efficient than FD interest.

 
 

It gives you more control than choosing dividend option.

 
 

Why Regular Mutual Funds via CFP is Better
Always invest through regular plans with CFP guidance.

 
 

Avoid direct plans as they give no advisory support.

 
 

Also avoid index funds, as they don’t help in personal goal planning.

 
 

A CFP helps to select best performing active funds for regular cash flow.

 
 

He will also help you design SWP as per your monthly needs.

 
 

Points to Keep in Mind
SWP works best when capital stays for long-term.

 
 

Avoid withdrawing more than what your fund earns yearly.

 
 

Taxation depends on fund type and holding period.

 
 

For equity funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.

 
 

STCG is taxed at 20% for equity mutual funds.

 
 

For debt funds, all gains are taxed as per your income slab.

 
 

Sample Planning Approach
First, calculate your monthly cash flow need.

 
 

Choose a suitable hybrid or equity mutual fund.

 
 

Invest a lump sum or grow it through SIP.

 
 

Start SWP after 1–2 years, if needed.

 
 

Review SWP and portfolio yearly with your CFP.

 
 

Don’t withdraw in falling markets unless urgent.

 
 

This is a professional way to create passive income.

It also gives your capital a chance to grow.

 
 

Best Regards,
 
K. Ramalingam, MBA, CFP
 
Chief Financial Planner,
 
www.holisticinvestment.in
 
https://www.youtube.com/@HolisticInvestment
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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Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - May 06, 2024Hindi
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Hi could you please tell me in which mutual funds should i invest in and would give me good returns
Ans: Mutual fund selection depends on various factors such as your financial goals, risk tolerance, investment horizon, and asset allocation preferences. Here are some popular mutual fund categories you may consider for potentially good returns:

Large Cap Funds:
Large-cap funds invest in well-established companies with stable earnings and strong market presence.
These funds offer relatively lower risk compared to mid and small-cap funds and are suitable for investors with a conservative risk appetite.
Mid Cap and Small Cap Funds:
Mid and small-cap funds invest in companies with high growth potential but higher volatility.
These funds can generate higher returns over the long term but come with increased risk. They are suitable for investors with a higher risk tolerance and longer investment horizon.
Multi Cap or Flexi Cap Funds:
Multi-cap or flexi cap funds have the flexibility to invest across large, mid, and small-cap stocks based on market conditions.
These funds offer diversification benefits and can adapt to changing market dynamics, making them suitable for investors seeking balanced growth opportunities.
Sector Funds:
Sector funds focus on specific sectors or industries such as technology, healthcare, or banking.
These funds can provide opportunities for higher returns if the selected sector outperforms the broader market. However, they also carry higher sector-specific risks.
Index Funds and Exchange-Traded Funds (ETFs):
Index funds and ETFs replicate the performance of a specific market index such as the Nifty or Sensex.
These funds offer low expense ratios and are ideal for investors seeking passive investment options with diversified exposure to the equity market.
Debt Funds:
Debt funds invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments.
These funds provide stability and regular income, making them suitable for conservative investors or those with short-term investment goals.
Before investing, assess your financial goals, risk tolerance, and investment horizon. Consider consulting with a Certified Financial Planner or mutual fund advisor to create a personalized investment plan tailored to your needs and objectives. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial goals.

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Ramalingam Kalirajan  |10894 Answers  |Ask -

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

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Hi sir can you suggest the which mutual funds give high return
Ans: Choosing mutual funds solely based on past returns can be risky as past performance may not necessarily indicate future performance. Instead, it's essential to consider various factors such as investment objectives, risk tolerance, and investment horizon. Here are some tips to help you select mutual funds that may potentially offer higher returns:

Investment Goals: Determine your investment goals, whether it's wealth creation, retirement planning, or saving for a specific goal. Different goals may require different investment strategies and risk profiles.
Risk Tolerance: Assess your risk tolerance to determine how much volatility you can tolerate in your investment portfolio. Higher returns often come with higher risk, so it's crucial to align your investments with your risk tolerance.
Diversification: Invest in a diversified portfolio of mutual funds across various asset classes such as equity, debt, and international funds. Diversification can help reduce overall portfolio risk and enhance long-term returns.
Fund Manager's Track Record: Evaluate the track record and experience of the fund manager managing the mutual fund. A skilled and experienced fund manager can make a significant difference in fund performance over the long term.
Expense Ratio: Consider the expense ratio of the mutual fund, which represents the annual fees charged by the fund house for managing the fund. Lower expense ratios can translate to higher returns for investors over time.
Consistency of Performance: Look for mutual funds that have demonstrated consistent performance over different market cycles rather than just focusing on short-term returns. Consistency indicates the fund's ability to deliver returns across various market conditions.
Fund House Reputation: Choose mutual funds offered by reputable fund houses with a strong track record of managing investor funds responsibly and ethically.
Regular Monitoring: Regularly monitor the performance of your mutual fund investments and review your investment strategy periodically to ensure it remains aligned with your financial goals and risk tolerance.
Remember, there's no guarantee of high returns in mutual fund investments, and it's crucial to invest with a long-term perspective while diversifying your portfolio appropriately.

Best Regards,

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

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Ramalingam Kalirajan  |10894 Answers  |Ask -

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

Asked by Anonymous - Jul 15, 2024Hindi
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I am retired I want to invest my retirement amount for regular income.kindly advice best mutual fund
Ans: Assessing Your Needs
Investing your retirement corpus requires a strategic approach. The goal is to generate regular income while preserving your capital. As a retiree, it's crucial to strike a balance between safety and returns.

Understanding Your Financial Situation
Retirement Status: You are retired.
Income Requirement: Regular income from investments.
Risk Tolerance: Likely low to moderate.
Investment Strategy
To ensure regular income, you need a diversified portfolio. This portfolio should include a mix of equity and debt investments. Here's a breakdown:

Debt Mutual Funds
Debt mutual funds provide stable returns with lower risk. They are ideal for regular income.

Short-term Debt Funds: These funds are less volatile and provide steady income.
Long-term Debt Funds: These funds offer higher returns but come with slightly higher risk.
Hybrid Mutual Funds
Hybrid funds invest in both equity and debt. They balance growth and stability.

Balanced Advantage Funds: These funds adjust the equity-debt ratio based on market conditions.
Monthly Income Plans (MIPs): These funds focus on providing monthly income through a mix of debt and equity.
Equity Mutual Funds
Equity funds offer higher returns but come with higher risk. A small portion of your portfolio can be allocated here for growth.

Large-cap Funds: These funds invest in large, established companies with stable returns.
Dividend Yield Funds: These funds invest in companies that pay regular dividends.
Systematic Withdrawal Plan (SWP)
SWP allows you to withdraw a fixed amount from your mutual fund investments regularly. This ensures a steady cash flow.

Regular Income: Set up an SWP to withdraw monthly income.
Capital Preservation: Only a portion of your returns is withdrawn, preserving your capital.
Health Insurance
Ensure you have adequate health insurance coverage. Medical expenses can erode your retirement savings.

Adequate Coverage: Review and increase your health insurance coverage if needed.
Critical Illness Cover: Consider adding a critical illness cover for added protection.
Emergency Fund
Maintain an emergency fund to cover unexpected expenses. This fund should be easily accessible.

Liquid Assets: Keep 6-12 months' worth of expenses in a liquid fund or savings account.
Regular Review and Adjustments
Regularly review your investment portfolio. Adjust based on market conditions and changing needs.

Annual Review: Conduct an annual review of your investments.
Rebalance Portfolio: Adjust the equity-debt ratio based on performance and risk tolerance.
Final Insights
Investing for regular income in retirement requires careful planning. A diversified portfolio with debt, hybrid, and equity funds can provide steady income and capital preservation. Regular reviews and adjustments will ensure your investments align with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Career Counsellor - Answered on Dec 16, 2025

Asked by Anonymous - Dec 13, 2025Hindi
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Hello sir I have literally confused between which university to pick if not good marks in mht cet Like sit Pune or srm college or rvce or Bennett as I am planning to study here bachelors and masters in abroad so is it better to choose a government college which coep and them if I get them my home college which Kolhapur institute of technology what should I choose a good university? If yes than which
Ans: Based on my extensive research of official college websites, NIRF rankings, international recognition metrics, placement data, and masters abroad admission requirements, your choice between COEP Pune, RVCE Bangalore, SRM Chennai, Bennett University Delhi, and Kolhapur Institute of Technology (KIT) fundamentally depends on five critical institutional aspects essential for successful masters admission abroad: global research output and international collaborations, CGPA-based competitiveness (minimum 7.5-8.0 required for top international programs), faculty expertise in emerging technologies, international student exchange partnerships, and proven alumni track records at globally-ranked universities. COEP Pune ranks nationally at NIRF #90 Engineering with India Today #14 Government Category ranking, offering robust infrastructure and 11 academic departments with research centers in AI and renewable energy, though international research collaborations are moderate compared to IITs. RVCE Bangalore demonstrates strong national standing with consistent COMEDK admissions competitiveness, excellent placements averaging Rs.35 LPA with highest at Rs.92 LPA, and established international collaborations through Karnataka PGCET-based MTech programs, providing solid foundations for masters applications. SRM Chennai maintains extensive research partnerships with 100+ companies visiting campus, highest packages reaching Rs.65 LPA, and documented international research linkages through sponsored programs like Newton Bhaba funded projects, significantly strengthening masters abroad candidacy through diverse research exposure. Bennett University Delhi distinctly outperforms others in international institutional alignment, recording highest placements at Rs.137 LPA with average Rs.11.10 LPA, explicit academic collaborations with University of British Columbia Canada, Florida International University USA, University of Nebraska Omaha, University of Essex England, and King's University College Canada—these partnerships directly facilitate seamless masters transitions abroad and represent unparalleled institutional bridges to international graduate programs. KIT Kolhapur records respectable placements at Rs.41 LPA highest with average Rs.6.5 LPA, NAAC A+ accreditation, autonomous institutional status under Shivaji University, and 90%+ placement consistency across technical streams, though international research visibility and foreign university partnerships remain comparatively limited. For international masters admission success, universities globally prioritize bachelors institution reputation, minimum CGPA 7.5-8.0 (Bennett and SRM facilitate this through curriculum rigor), GRE/GATE scores (minimum 90 percentile), English proficiency (TOEFL ≥75 or IELTS ≥6.5), research output documentation, and faculty recommendation quality reflecting institution's research culture—criteria most strongly supported by Bennett's explicit international collaborations, SRM's documented research partnerships, and COEP's autonomous departmental research centers. Bennett simultaneously offers global pathway programs reducing masters abroad costs through articulation agreements and provides curriculum aligned internationally with partner institution standards, representing optimal intermediate bridge structure versus direct masters application. The cost-effectiveness and structured transition support through international partnerships, combined with demonstrated placement success and faculty research visibility, position these institutions distinctly above KIT Kolhapur for masters abroad aspirations. For your specific objective of pursuing masters abroad, prioritize Bennett University Delhi first—its explicit international university partnerships with Canadian, American, and European institutions, highest placement packages (Rs.137 LPA), and structured global pathway programs create seamless masters transitions with reduced costs. Second choice: SRM Chennai, offering extensive research collaborations, documented international linkages, and competitive placements (Rs.65 LPA highest) strengthening masters applications. Third: COEP Pune, delivering strong national standing and autonomous research infrastructure. Avoid RVCE and KIT due to limited international visibility and explicit foreign university partnerships compared to the above three institutions. All the BEST for 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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