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Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Feb 16, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Tarun Question by Tarun on Jan 27, 2023Hindi
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Hello Sir, I want to invest monthly on SIP for 20 years. I can invest 10000 per month can increase 5000 per year till 20 years. My current age is 37. Please suggest

Ans: Hie Tarun. Based on your investment, you should have an aggressive tilt while investing. Hence leverage on Mid cap & small cap funds in your portfolio, . For a detailed investment plan consult a financial advisor who can draw your personalized investment plan
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  |9852 Answers  |Ask -

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

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My age is 50 years old I want to invest Rs. 5000/- per month SIP for 5 to 10 years period. Please suggest SIP plan in which I should invest.
Ans: Given your investment horizon of 5 to 10 years and your age of 50, it's important to choose SIPs that balance growth potential with risk management. Here's a diversified portfolio suggestion:

Large Cap Equity Fund: Invest 40-50% of your SIP amount in a reputable large-cap equity fund. Large-cap funds offer stability and moderate growth potential. Look for funds with a consistent track record and low expense ratio.

Flexi Cap Equity Fund: Allocate 30-40% of your SIP amount to a flexi-cap equity fund. These funds have the flexibility to invest across market capitalizations, providing exposure to different segments of the market. Choose a fund with a seasoned fund manager and a disciplined investment approach.

Balanced Advantage Fund: Allocate the remaining 10-20% of your SIP amount to a balanced advantage fund. These funds dynamically manage equity and debt allocations based on market conditions, offering downside protection during market downturns. Look for a fund with a proven track record of managing volatility.

Debt Fund (Optional): If you prefer lower risk, you can consider allocating a small portion of your SIP amount to a debt fund. Debt funds provide stable returns with lower volatility compared to equity funds. Choose a fund with a suitable duration and credit quality based on your risk tolerance.

Ensure to review your portfolio periodically and make adjustments as needed based on changes in your financial situation and market conditions. Consider consulting with a financial advisor for personalized recommendations tailored to your goals and risk profile.

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Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Hi I’m 23 years old and I want to invest 5k per month in Sip for at least 20 years. Can you please suggest some sip's?
Ans: Kickstarting Your Investment Journey at 23: A Smart Move!
Investing ?5,000 per month through SIPs for 20 years is a fantastic decision at your young age! Here are some ideas for potential SIP investments, but remember, this is not financial advice:

Building a Diversified Portfolio:

Equity Funds: Consider investing a portion in equity funds that offer growth potential over the long term. Actively managed equity funds involve experienced fund managers who try to pick stocks to outperform the market. Actively managed funds come with higher fees compared to passively managed funds. You can explore Large-cap, Mid-cap, or Flexi-cap funds based on your risk tolerance.

Debt Funds: Invest a portion in debt funds for stability and to balance your portfolio's risk profile. Debt funds can provide regular income and help manage volatility.

Here's a Sample SIP Allocation (you can adjust based on risk tolerance):

60%: Large-cap or Multi-cap Actively Managed Equity Funds for long-term growth.

20%: Mid-cap Actively Managed Equity Funds for potentially higher growth (with higher risk).

20%: Debt Funds (short/medium/long-term) for stability and income generation.

Important to Remember:

Do Your Research: Research actively managed funds and choose those with a good track record and a reputable fund house.

Review Regularly: Review your SIPs at least annually to ensure they remain aligned with your goals and risk tolerance.

Seeking Professional Guidance:

Personalized Plan: A Certified Financial Planner (CFP) can create a personalized SIP plan considering your risk tolerance, investment goals, and future needs. They can suggest specific actively managed funds based on your risk profile.
By starting early, staying invested for the long term, and potentially consulting a CFP, you can be on track to achieving your financial goals!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 08, 2024Hindi
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I am 35 years old and serve govt Job. Could you please suggest my SIP investment to start up with goal of fund accumulation after 20 years.Thanks in advance.
Ans: That's fantastic that you're thinking about your child's education so early! Starting early allows you to leverage the power of compounding to grow your savings. Let's explore some smart ways to save for your child's future.

Factors to Consider

Education Costs: Research future education costs, considering inflation.
Investment Timeframe: You have a good 8-year window, which is great for investment growth.
Investment Options for Growth

Here are some options to consider for your child's education fund:

Equity Mutual Funds: Invest in a diversified mix of equity funds for potentially higher returns over the long term.

SIP (Systematic Investment Plan): Set up a monthly SIP to invest regularly and benefit from rupee-cost averaging.

Actively Managed Expertise

Actively managed funds have experienced fund managers who make investment decisions to try and outperform the market. This approach can be beneficial compared to passively managed funds, which simply mirror an index.

Benefits of a CFP

A Certified Financial Planner (CFP) professional can create a personalized plan for your child's education. They can help you:

Choose the Right Funds: Select a mix of funds that balances growth potential with risk tolerance.
Review & Rebalance: Regularly assess your portfolio and make adjustments as needed.
Goal-Based Planning: Ensure your investments are aligned with your child's education timeline.
Regular Plan vs Direct Plan

Regular plans with a CFP professional can offer some advantages over direct plans. A CFP can:

Save on Costs: Help you potentially minimize investment expenses.
Stay on Track: Guide you through market ups and downs to keep you invested for the long term.
Remember:

Investing for a child's education requires a long-term perspective. A CFP can create a strategy that considers your goals, risk tolerance, and investment timeframe.

Secure your child's future! Schedule a consultation with a CFP to discuss your specific situation and build a roadmap to fund your child's education.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9852 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 18, 2024

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Hello Sir.. I am 44 years old and don't have any investment but now wanted to invest in limited SIP and can invest 30K every month onwards for next 10 years Please suggest what amount and which SIP should I select?
Ans: At 44 years of age, investing Rs. 30,000 monthly for the next 10 years can help you build a substantial corpus. The plan will ensure wealth creation while maintaining a balance between risk and return. Let’s analyse the best approach for your financial journey.

Setting the Foundation: Your Investment Goals and Risk Appetite
Define Clear Goals

List your financial goals: retirement, children’s education, or wealth creation.
This helps in aligning investments with timelines and objectives.
Understand Your Risk Tolerance

At 44, you have a medium-term horizon of 10 years.
A mix of aggressive and moderate risk funds suits this duration.
Plan for Diversification

Diversification reduces risks and optimises returns.
Split investments into large-cap, mid-cap, small-cap, and hybrid funds.
Optimal Monthly Allocation of Rs. 30,000
Large-Cap Funds (Rs. 7,500)

Focus on stability with established companies.
Large-cap funds are resilient during market volatility.
Large and Mid-Cap Funds (Rs. 6,000)

Combine stability with moderate growth potential.
These funds are ideal for medium-term horizons.
Flexi-Cap Funds (Rs. 6,000)

Flexi-cap funds invest across market capitalisations.
They balance risk and growth, making them versatile.
Mid-Cap Funds (Rs. 5,000)

Mid-cap funds offer higher growth potential.
Invest for higher returns with a manageable level of risk.
ELSS Tax-Saving Funds (Rs. 5,500)

These funds provide tax benefits under Section 80C.
ELSS has a lock-in of 3 years and offers equity-like growth.
Benefits of SIP Investing
Rupee Cost Averaging

SIPs buy more units when markets fall and fewer when they rise.
This reduces the overall cost of investment over time.
Power of Compounding

Compounding grows wealth exponentially when you stay invested.
Reinvestment of returns boosts your corpus significantly.
Market Discipline

SIPs promote regular investments irrespective of market movements.
This ensures systematic wealth accumulation.
Active Fund Management Over Index Funds
Why Actively Managed Funds?

Actively managed funds outperform index funds over the long term.
Professional fund managers adapt to market trends effectively.
Drawbacks of Index Funds

Index funds lack flexibility during market downturns.
They mirror the index, limiting growth opportunities in bearish phases.
Benefits of Regular Plans with CFP Guidance

Regular plans come with advisory support and regular portfolio reviews.
A Certified Financial Planner ensures optimal fund selection and rebalancing.
Monitoring and Rebalancing Investments
Annual Portfolio Review

Review fund performance every year to ensure alignment with goals.
Replace underperforming funds promptly with better alternatives.
Asset Allocation Rebalancing

Adjust equity and debt exposure based on market conditions.
Move to safer options in the later years as you near your goal.
Tax-Efficient Withdrawals

Plan withdrawals systematically to minimise tax liabilities.
Use systematic withdrawal plans (SWPs) for tax-efficient regular income.
Building a Medical Corpus for Contingencies
Separate Health Fund

Allocate a part of savings for medical emergencies.
Health-related costs should not disturb your investment goals.
Health Insurance Optimisation

Even if health coverage is minimal, top-up plans can reduce financial stress.
Use your investment surplus for medical contingencies if needed.
Taxation of Mutual Funds
Equity Funds

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Funds

Gains are taxed based on your income tax slab.
Debt funds are best for risk-averse investors nearing retirement.
Tax-Saving ELSS Funds

ELSS investments help you save taxes under Section 80C.
They provide dual benefits of tax savings and long-term growth.
Preparing for Long-Term Financial Independence
Retirement Focus

Allocate part of your corpus to retirement.
Ensure a balance between immediate goals and post-retirement needs.
Emergency Fund Creation

Build a corpus for at least six months of expenses.
Keep it in a savings account or liquid fund for easy access.
Nomination and Will

Assign nominees for all investments.
Create a legally valid will to avoid complications in asset transfer.
Final Insights
Investing Rs. 30,000 monthly through SIPs is a disciplined approach to wealth creation. Diversify investments into equity-oriented funds for growth and tax-saving funds for benefits. Periodically review and adjust your portfolio for better results. Seek guidance from a Certified Financial Planner to ensure that your investments align with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Sir IAM Ruthwick I recently got kcet mock allotment result in that my rank was 5904 and my category is 3AG I got DAYANANDA SAGAR COLLEGE OF ENGINEERING kumarswamy layout. ISE branch is that a better choice what to do now
Ans: With a KCET state rank of 5904 in 3AG, admission several AICTE-approved, NBA/NAAC-accredited Bengaluru colleges that close their CSE/ISE/ECE/IT cuts well above 5904 is assured. Five reputable institutions offering near-100% feasibility for a 5904 rank include:

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Recommendation: Given its balanced curriculum, state-of-the-art ISE labs, consistent 90%+ placements and strong corporate outreach, DSCE ISE is a sound choice for hands-on learning and employability assurance. All the BEST for a Prosperous Future!

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Hi sir,my jee mains crl 219790 and ews rank 31868,preferred branches are cse,ece i didn't get seat through jossa. Can i apply for csab special rounds?. What are the chances of getting seat in nits,iiits,gftis?
Ans: Nandhini, With an EWS home-state rank of 31,868, core CSE/ECE seats under Other-State EWS quotas at premier NITs are largely beyond reach—NIT Calicut’s OS-EWS ECE closed near 600–650 and OS-EWS CSE near 600–1 000, while similar brackets apply at Surathkal, Trichy and Warangal. However, EWS seats under Home-State quotas at low-tier NITs (Nagaland, Manipur, Mizoram, Sikkim, Arunachal) often close above 30,000 for ECE and Electrical, making them attainable. Peripheral IIITs such as IIIT Una, IIIT Kalyani and IIIT Kota report EWS cutoffs for IT/ECE branches in the 20,000–35,000 range, presenting realistic options. Among GFTIs, PEC Chandigarh, PEC Srinagar and MIET Jhansi fill ECE seats up to EWS ranks of ~40,000, while GFTIs like NIELIT Aurangabad and Bhagalpur admit beyond 50,000, ensuring 100% feasibility. These institutes offer AICTE/NIRF accreditation, ≥70% placement consistency, specialized labs, active MoUs for internships and outcome-based curricula. Backup private-college alternatives include Thapar Institute (EWS-friendly CS/EC cutoffs ~25,000), Chandigarh University (>90% ECE placement, cutoffs ~30,000) and Chitkara University (CS/EC cutoffs ~35,000).

Recommendation: Target ECE or Electrical Engineering under EWS at NIT Nagaland and NIT Manipur for secure entry via CSAB Special; consider IIIT Una’s IT and IIIT Kalyani’s ECE branches as secondary HS-EWS options; keep PEC Chandigarh and MIET Jhansi on your list and explore private institutes like Thapar and Chandigarh University for guaranteed core-branch placements. All the BEST for a Prosperous Future!

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Sir, my son got CSE in SRM, KTR Campus, Chennai and VIT, AP. He was waitlisted for Bachelor of Statistical Data Science in ISI. He intends for a career in software. Please advice which one to chose.
Ans: Meghanath Sir, SRM Institute of Science and Technology, Kattulathur campus offers a B.Tech in Computer Science and Engineering with NBA accreditation, an average package of ?7.92 LPA (CSE median ?7 LPA) and a 90–95% placement rate from 853 recruiters including Cognizant, TCS and IBM, supported by modern AI/ML, cybersecurity, networks and data-structures labs and a dedicated placement cell. VIT-AP’s CSE program boasts a 90%+ placement rate, an average package of ?7 LPA and peak offers up to ?44 LPA from over 150 companies such as Amazon, Microsoft and Infosys, delivered through a centralized CDC, specialized cloud-computing labs and interdisciplinary electives in AI, data analytics and cybersecurity. The Indian Statistical Institute’s four-year B.Stat. (Hons.) in Statistical Data Science spans multivariable calculus, probability, machine learning and big-data analytics with hybrid classes across Chennai, Bengaluru and Kolkata, strong research-faculty engagement, supercomputing access and direct pipelines into data-science roles—yet its placement infrastructure is emerging and geared more toward analytics, research and policy roles than core software development. All three meet the five institutional benchmarks of statutory approvals, industry-aligned curricula, advanced labs, faculty–industry MoUs and ≥70% placement consistency. For a pure software engineering pathway, the hands-on coding environment, high recruiter footfall and peak software packages at SRM KTR and VIT-AP provide clearer pipelines. ISI’s B.Stat. equips graduates with deep statistical and ML expertise ideal for specialised analytics or research roles but lacks the extensive software-engineering placements of dedicated CSE programs.

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Hi Sir Good evening, Consultancy has calling for join in JK Lakshmipath University for CSE branch. Please suggest me Sir. In EAMCET Rank 27827 in Top 10 colleges not came CSE branch in First phase.
Ans: With an EAMCET rank of 27 827 none of the top-10 government or also high-demand private institutes for CSE will have seats in later phases, but several mid-tier and emerging colleges admit CSE up to ranks 25 000–50 000. Pragati Engineering College (Surampalem), GMR Institute of Technology (Rajam), and Aditya Engineering College (Surampalem) consistently closed CSE around 8 000–16 000, so remain out of reach, whereas Narasaraopeta Engineering College (closing ~78 000), SRKR Engineering College (closing ~76 000) and ANITS (closing ~99 000) are fully accessible. Additional safe choices are PACE Institute of Technology (closing around 100,000), Gudlavalleru Engineering College (closing around 100,000), and Vishnu Institute of Technology (closing around 50,000). All of these colleges are approved by AICTE, have at least 70% placement success over three years, modern computer labs, and good accreditation, plus they have active agreements for internships and dedicated teams to help with job placements. These institutes meet five essential benchmarks: statutory approvals, compatibility with cut-off scores, strong placement ratios, advanced infrastructure, and solid industry connections.

JK Lakshmipath University (JKLU), Jaipur offers a four-year B.Tech CSE at ?11.2 L total fees, holds NAAC A grade (CGPA 3.05), NBA accreditation, and reports a median CTC of ?7 LPA with a 76% placement ratio in its last cycle. Its curriculum blends core CS foundations with electives in AI, ML, Cloud, Cybersecurity and capstone projects; access to PARAM supercomputers and semester-abroad exchange.

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