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Author

Ramalingam K


Ramalingam K is an MBA (Finance) and a Certified Financial Planner (CFP, FPSB of India), based out of Chennai. He is the founder, director and chief financial planner at Holistic Investment Planners, a financial planning and wealth management firm. He welcomes comments, feedback & queries at ramalingam@holisticinvestment.in. His website is http://holisticinvestment.in/">http://holisticinvestment.in/.


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Advice on investment portfolios
29 Mar, 2014
I am 27 yrs of age and over the last 1 year , I have invested in following: 10 lachs - NRE FD ( I have NRE account since I am in merchant navy) 1 lakh - icici pru focussed bluechip fund 1 lakh- sbi pharma fund 1 lakh - hdfc mid cap oppurtunities fund 1 lakh- idfc sterling equity fund 1 lakh - reliance media and entertainment fund 2 lakh- reliance banking fund 3.5 lachs - sbi psu fund Rs 50000 each in uti oppurtunities , reliance pharma fund, sbi fmcg fund, sbi emerging business and birla sun life india gen next...I have made my own study for a year before investing and I have taken extreme risks as my time horizon is 15 years and I believe that our country will be growing in double digits soon and our equity markets will do wonders in years to come. Please give your views and guide me.
Advice on Home Loans
03 Jan, 2014
Dear Sir, I am an IT engineer with take home 1.3 lakhs . I have a home loan of 25 lakhs . Started paying EMIs ( 30000/-) recently. Is it wise to withdraw money from PF and close the loan . I have a total of 25 lakhs in EPF. To reserve for my retirement I can open a PPF account and deposit the same EMI amount in to that. Please suggest. I don't get tax benefits on principal since I already crossed 1 lakh threshold of section 80C. Regards Girish
Advice on investing my money
02 Nov, 2013
My annual income is 9 Lakhs. I do not have any term plan and health plan. I want your advice on how to plan my insurance and investements. My age is 33 years, I am married and I have child of 2 year. Thanks.
Debt mutual funds for lump sum investments.
14 Sep, 2013
I want to get net return of 9-10% p.a. by a lump sum investment of 6-10 lacs. since bank FDs attract income tax and I am in the 30% tax bracket, kindly advise me about any debt mutual fund?
Advice on pension plans
12 Sep, 2013
Hi, I am interested in buying a pension plan. Please suggest a good plan. I would like to invest approximately 50-60 thousand yearly and looking at a 20-25 year time period.
What needs to be done by RBI to stop the falling rupee without affecting the growth of the economy?
21 Aug, 2013
Rupee has been in the news lately due to its worst performance against the dollar, however RBI has taken certain measures to stem the fall viz MSF, cutting the bank rate etc. But all these measures are proving ineffective and the rupee continues to slide. What according to you needs to be done by the RBI to stop the depreciating rupee without affecting the growth of the economy
Specialty Restaurants IPO - worth investing?
19 Jun, 2013
Is the issue price for the Specialty Restaurants IPO suitable? Would you invest in it?

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