Ramalingam K

Ramalingam K is a Certified Financial Planner and an MBA (Finance). He is the Founder and Director of Holistic Investment Planners, a firm that offers Financial Planning and Wealth Management Services. He can be reached at ramalingam [AT] holisticinvestment.in.

Stock Market and Guaranteed NAV Never Go Together

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Whenever there is a statement about anything in this world, regardless of who has said it, do not believe it. But to analyse it and know the truth is wisdom - (Kural: 423): Thiruvalluvar, a celebrated Tamil poet. Sankaran, a 28-year old civil engineer working with a multinational company in Chennai had invested all his money in stocks, mutual funds and ULIPs. When the market was at 20,000 levels, his portfolio was showing huge profits. However, he lost heavily during the market crash. … [Read more...]

The Role of Short Term Sensations in Long Term Investments

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In the digital age, the current affairs reach our living room 24*7. The power of internet and social media makes the news and rumours spread like a wildfire. Because of this information overload we become so focused on details that we begin to ignore the overall situation. If we are unable to see the wood for the trees, then we need to take a step back from the situation, to regain a wider perspective. Many investors change their long term investments based on the short term sensational … [Read more...]

Why should you get Professional Financial Advice On your Investments

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We all need to review our investment portfolios on a regular basis and also take the help of professional financial planners. What does a Professional Financial Advice mean in portfolio management? Making a habit of rebalancing financial portfolios Most of us make smart financial plans that are based on the number of earning years, financial commitments and the level of risk we can take up at the time of planning. But it is found that our financial commitments and the level of risk we could … [Read more...]

Which is the Best Performing Mutual Fund now?

mutual funds

Best Performing Mutual Fund - A Frequently Asked Question During my TV interviews, in each and every show, either the anchor or one of the callers will ask this question. Which is the Best Performing Mutual Fund now? There is not a single show in which the question about Best Performing Mutual Fund is not asked. Also, as a guest speaker, whenever I deliver a speech in Rotary, Lions, Jaycees or Round Table, during the Q&A Session after the speech, definitely there will be a question … [Read more...]