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Hemant

Hemant Bokil  | Answer  |Ask -

Financial Planner - Answered on Mar 02, 2023

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more
Naz Question by Naz on Feb 27, 2023Hindi
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Sir, I am inesting in MF (Index Fund) on SIP basis. I am worried about NSE's inclision of Adani Group Companies in NSE Index since hitting lower circuit every day and fundamental is not strong. Please suggest should I stop investing in MF for now? What are basic criteria of inclusion of stock in different NSE Indexes?

Ans: You have no control on individual stock picking in mf, be it actively or passively managed fund instead of worrying about one or two stocks, leave it to fund manager or rule based models to deal with the stock you worry about, they are better equipped to handle it, you may choose Sensex index fund or low visibility 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.
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Ramalingam

Ramalingam Kalirajan  |8869 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Hello sir, I am 50 age and investing in the below funds by sip mode: Nippon india large cap - 2000 pm Nippon india multi cap - 2000 pm Nippon india small cap - 2000 pm ICICI prudential flexi cap - 2000 pm MO midcap fund - 2000 pm Mahindra ML large & midcap - 2000 pm Uti nifty 50 index - 1500 pm ICICI Pru nifty next 50 index - 1500 pm Nippon IT index - 1500 pm ICICI bse sensex index - 1500 pm ICICI Pru multi asset allocation - 5000 pm DSP multi asset allocation - 1000 pm SBI retirement aggressive - 1000 pm HDFC balanced advantage - 2500 pm Can I continue the above for the next 10 years OR is there a need for any changes to be made. My current MF investment stands at 20 L Looking forward to you advise please.
Ans: You are investing in a diverse set of funds across multiple categories. It is important to check if your portfolio is well-balanced, tax-efficient, and aligned with your risk appetite.

Fund Overlap and Diversification
You have too many funds in the same category.

Multiple large-cap, multi-cap, and index funds create unnecessary duplication.

A smaller, well-chosen portfolio will improve returns and reduce complexity.

Index Funds in Your Portfolio
You are investing in four index funds.

Index funds lack downside protection in market crashes.

Actively managed funds have better potential to beat the market.

Consider reducing index fund exposure to improve returns.

Sector and Thematic Funds
You have a technology sector fund.

Sector funds can be high-risk, as they depend on one industry’s performance.

A diversified portfolio is better than relying on a single sector.

If held, sector funds should be less than 10% of the total portfolio.

Multi-Asset and Hybrid Funds
Multi-asset funds help in balancing risk with exposure to equity, debt, and gold.

You have three multi-asset funds, which may be too many.

It is better to consolidate and hold only one or two of the best-performing funds.

Retirement Fund and Balanced Advantage Fund
SBI Retirement Aggressive Fund is designed for long-term wealth creation.

HDFC Balanced Advantage Fund helps in managing market volatility.

These funds are suitable for investors above 50, as they lower risk.

Recommended Changes
Reduce fund duplication by keeping only one multi-asset fund.

Exit some index funds and switch to actively managed funds.

Limit sector funds to a small portion of your portfolio.

Continue investing in flexi-cap and balanced advantage funds for long-term stability.

Final Insights
Your portfolio has good diversification but can be simplified.

Reducing overlapping funds will improve returns and ease tracking.

Shifting from index funds to actively managed funds may provide better growth.

Holding for 10 years is a good strategy, but regular rebalancing is needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Nayagam P

Nayagam P P  |5979 Answers  |Ask -

Career Counsellor - Answered on Jun 08, 2025

Nayagam P

Nayagam P P  |5979 Answers  |Ask -

Career Counsellor - Answered on Jun 08, 2025

Asked by Anonymous - Jun 06, 2025
Career
I cleared jee adv and am confused about taking ECM IIT Delhi or ECE IIT Roorkee/Guwahati/Kharagpur
Ans: Choosing between ECM (Electrical Engineering) at IIT Delhi and ECE at IIT Roorkee/Guwahati/Kharagpur hinges on priorities:

Placement Consistency: IIT Roorkee ECE leads with 85% placements (2024) and robust roles in embedded systems/AI, followed by IIT Guwahati (85% placements, Intel/Qualcomm roles) and IIT Kharagpur (87.05% placements, semiconductor focus). IIT Delhi’s ECM lags at 55% placements (2024), though its alumni network and Delhi’s tech ecosystem offer broader opportunities.

Curriculum: IIT Delhi’s ECM blends power systems and electronics with interdisciplinary projects, while Roorkee/Guwahati/Kharagpur ECE emphasize VLSI, telecommunications, and AI/ML with specialized labs.

Research: IIT Delhi’s Centre for Automotive Research (Hyundai EV collaboration) and 5G labs suit R&D aspirants. Kharagpur’s E&ECE excels in quantum technologies, and Guwahati integrates nanotechnology.

Infrastructure: IIT Delhi’s modern labs and Delhi’s industry access contrast with Roorkee/Kharagpur’s established campuses and Guwahati’s growing facilities.

Location: Delhi offers proximity to startups/MPCs, while Roorkee/Kharagpur provide quieter academic environments.

Higher Studies: IIT Delhi’s global reputation aids MS/PhD applications, whereas Kharagpur’s research output (NIRF #5) strengthens academia pathways.

Faculty: All institutes have seasoned faculty, but Delhi and Kharagpur lead in industry-funded projects.

Alumni Network: Delhi and Kharagpur alumni dominate core tech leadership roles; Roorkee/Guwahati networks favor PSUs and startups.

Internships: Delhi’s location ensures diverse internships, while Guwahati/Roorkee partner with regional industries (e.g., oil, energy).

Branch Flexibility: ECE at Roorkee/Guwahati/Kharagpur allows minors in CS/AI, whereas Delhi’s ECM focuses on power/electronics.

Prioritize IIT Roorkee ECE for placements and specialization, IIT Delhi ECM for research/global opportunities, or IIT Kharagpur E&ECE for balanced rigor and innovation. All the BEST for your Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |5979 Answers  |Ask -

Career Counsellor - Answered on Jun 08, 2025

Asked by Anonymous - Jun 06, 2025
Career
Namaste, my daughter got 410000 ranking in kcet, 86% in Pu board,her percentage in PCM is 85,she wants to join for CSE core pl. advice us
Ans: With a KCET rank of 410,000, securing CSE core through KCET counselling in Karnataka is highly unlikely, as top and mid-tier colleges (e.g., RVCE, PES, MSRIT) have cutoffs below 50,000 for CSE. However, lesser-known private colleges or newer institutes with vacancy-driven cutoffs in later rounds may offer limited opportunities. Below are 15 colleges (based on KCET seat matrices and vacancy trends) that might consider such ranks for CSE, though admission is not guaranteed and may require management quota or direct admission:

East-West College of Engineering, Bangalore

Cambridge Institute of Technology, Bangalore

SKSJT Institute of Engineering, Bangalore

Rajeev Institute of Technology, Hassan

Ghousia College of Engineering, Ramanagara

Bheemanna Khandre Institute of Technology, Bhalki

Anjuman Institute of Technology, Bhatkal

Srinivas University, Mangalore

Bearys Institute of Technology, Mangalore

HKBK College of Engineering, Bangalore

Global Academy of Technology, Bangalore

Sapthagiri College of Engineering, Bangalore

New Horizon College of Engineering, Bangalore

Acharya Institute of Technology, Bangalore (non-core branches may have vacancies)

SJB Institute of Technology, Bangalore

Key Considerations:

Management Quota: Explore direct admission via management quota in private colleges, though fees are higher.

Branch Flexibility: Consider related branches like IT, AI/ML, or Data Science if CSE is unavailable.

State-Level Alternatives: Apply for Karnataka state diploma lateral entry (after polytechnic) or reappear for KCET.

Institutional Reputation: Prioritize colleges with NBA/NAAC accreditation and placement records (e.g., MVJ College, CMRIT).

Final Recommendation:
Opt for direct admission via management quota in private colleges like Acharya IT or New Horizon, balancing affordability and infrastructure. If CSE is non-negotiable, reappearing for KCET or exploring diploma lateral entry pathways may yield better long-term outcomes.

Related
Given her academic profile and rank range:
She should consider applying to colleges where the cutoff is within her reach—primarily those accepting ranks up to about 1 lakh.
She can also explore government quota seats or management seats which sometimes have different criteria.
It’s advisable to focus on reputed private universities like Reva University or NMAM Nitte that offer good infrastructure and placement. All the BEST for your Daughter's Admission & 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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