Want to invest in following stocks. Aggressive risk profile. Thanks 1)Titan company 2)TCS 3)ICICI Bank 4)ICICI lombard general insurance 5)SBI ETF 6)Alkyl Amines 7)DIVIS laboratories 8)Fine Organics 9)Galaxy surfactants 10) GMM pfauldler 11)Grindwell Norton 12)Home First Finance 13)Relaxo footwear 14)Suprajeet Engineering

Ans: Given your investment goal and moderate risk appetite, diversification is key. For equity exposure, consider large-cap, mid-cap, and multicap funds with a consistent track record. To explore FAANG stocks, you can invest in international or tech-focused mutual funds. Broadening your debt exposure beyond PPF and VPF can provide stability; consider short-term debt or corporate bond funds. Consult a financial advisor for personalized recommendations.

Ans: Given your stable income and existing investments, both buying a house and starting a business are viable options. Consider your long-term goals, risk tolerance, and passion for the organic jaggery business. If you prioritize homeownership, allocate funds accordingly. Alternatively, if you're passionate about entrepreneurship, conduct thorough market research and create a solid business plan. Continue SIPs for long-term wealth creation and consult a financial advisor for personalized advice.

Ans: You can check the details in my profile please. https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137

Please search for "online financial planning & Retirement planning services with a Holistic Approach" in Google and then follow the below steps with the results.

Research: Start by researching reputable brokerage firms that offer mutual fund advisory services. Look for firms with a strong track record, experienced financial advisors, and a range of services tailored to your needs.

Consultation: Schedule a consultation with the brokerage firm to discuss your financial goals, risk tolerance, investment preferences, and other relevant factors. This initial meeting will help the advisor understand your needs and recommend suitable investment strategies.

Advisory Services: Once you've selected a brokerage firm, the advisor will work with you to develop a personalized mutual fund investment plan. They will recommend specific funds based on your financial objectives and provide ongoing guidance to help you navigate the market.

Regular Reviews: Schedule periodic reviews with your advisor to assess the performance of your mutual fund investments, review changes in your financial situation, and make any necessary adjustments to your investment strategy.


By following these steps, you can access the expertise of professional brokerages to assist you in financial planning and investment management.

Ans: Given your age and financial situation, focusing on retirement planning is crucial. With 30k-40k monthly investment capacity, consider a mix of equity mutual funds and debt instruments. Prioritize funds with a good track record and consider diversifying across asset classes. Increase your SIP amount as your income grows, and consult a financial advisor for personalized advice.

Ans: Considering your situation, investing in SIPs for your child's education is a thoughtful move. Look for diversified equity or balanced funds with a proven track record. Start with an SIP amount that comfortably fits your budget and gradually increase it as your financial situation improves. Focus on long-term growth and consider seeking advice from a financial advisor.

Ans: Hello EZHIL,

To begin with, thank you for contacting us. I am happy to hear that your son is studying Cardiothoracic and Vascular Surgery (CTVS) course. You would be glad to know that studying overseas can expose your son to other methods and viewpoints in the domain of cardiothoracic and vascular surgery (CTVS), in turn, providing him with a comprehensive education. Concerning your query, I would like to let you know that we only deal with overseas education and therefore, would only be able to suggest certain possibilities for higher education overseas.

Master of Science (MS) or Master of Surgery (MCh) programs in cardiothoracic and vascular surgery are offered by a number of foreign universities. Thorough instruction in both theoretical knowledge and practical abilities are offered by these programs. Next coming to fellowship programs, a number of prestigious medical institutions provide CTVS fellowship programs. Specialized training across a broad range of cardiothoracic and vascular surgery topics, including minimally invasive procedures, transplantation, and paediatric heart surgery are offered by these programs. Pursuing a Ph.D. in cardiothoracic and vascular surgery (CTVS) can be a desirable choice for individuals who are passionate about academics and research. With an emphasis on cutting-edge research approaches, these programs enable students to make innovative research contributions to the field. Electives or short-term observerships at prestigious medical facilities overseas can also be looked into by your son. These opportunities enable students to network with professionals in the area as well as provide practical exposure to cutting-edge surgical techniques. Coming to conferences and workshops, I would suggest that he participates in international seminars and conferences related to vascular and cardiothoracic surgery. These meetings provide chances to learn, hone skills, as well as connect with international experts.

I would recommend that your son conducts an extensive study taking into account variables viz., the syllabus, experience of the faculty members, possibilities for research, and opportunities for clinical exposure prior to selecting a university and program. Not just that, make sure the program you have chosen fulfills all accreditation requirements as well as resonates with your son's professional objectives.

For more information, you can visit our website.

Ans: Starting early is great! Given your age and income, it's wise to start investing. Look for diversified equity funds or balanced funds suitable for beginners. Prioritize funds with a good track record and reputable fund houses. Aim for consistent investment and gradually increase your SIP amount as your income grows.

Ans: Given your assets and goals, you're on a good path. To retire by 40-45 with the same lifestyle, you'll need a substantial corpus, likely multiple crores, depending on inflation and returns. Allocate 50L each for your children's education and weddings, which seems adequate. Ensure your investments align with your retirement and children's goals to achieve financial independence early.

Ans: Investing 80k per month, it's efficient to have a mix of both small and large SIPs. Diversifying with smaller SIPs allows flexibility and risk mitigation, while larger SIPs offer potential for higher returns and simplify portfolio management. Aim for a balanced approach with a mix of both for optimal results and easier long-term management.