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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Vivek Lala | Answer |Ask -Follow

Tax, MF Expert - Answered on Jun 04, 2023

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
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Question by S on Apr 14, 2023English

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मेरे निवेश के विरुद्ध, कृपया होल्ड करने या शिफ्ट करने का सुझाव दें1.एचडीएफसी टैक्स सेवर डायरेक्ट प्लान ग्रोथ विकल्प -रु.40000/- (निवेश की तिथि 9.3.20) 2. एचडीएफसी द्वारा विकसित वर्ल्ड इंडेक्सएनफंड ऑफ फंड प्रत्यक्ष वृद्धि -रु.50000/-(निवेश का दिनांक21.10.21) 3. एचडीएफसी इक्विटी सेविंग्स फंड डायरेक्ट प्लान ग्रोथ विकल्प -रु.70000/-(निवेश की तिथि 21.10.21) 4.एचडीएफसी निफ्टी नेक्स्ट50 इंडेक्स फंड डायरेक्ट गोथ-रु.50000/-(निवेश की तिथि 3.11.21)

Ans: नमस्कार, यदि आपका समय क्षितिज 7-10 वर्ष से अधिक है, तो आप इन फंडों को अपने पास मौजूद फंडों की श्रेणी की तुलना में मिड कैप, स्मॉल कैप और लार्ज और मिड कैप में समेकित कर सकते हैं।

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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Oct 06, 2022

Question by Garg - Oct 06, 2022English

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हेलो, मैं पुरूषोत्तम लाल और मधुबाला हूं, जो एमएफ स्कीम में पिछले 20 वर्षों से निवेशक हैं।<br /> मेरा संयुक्त निवेश निम्नलिखित एमएफएस:</p> <p>1.आदित्य बिड़ला सन लाइफ फोकस्ड इक्विटी फंड (सिप राशि 2000)/PM/21-01-2013 से 21-01-2025)<br /> LUM SUMP -25000/(जब बाजार गिर गया था)<br /> 2.एक्सिस ब्लू चिप फंड (सिप राशि 5000) 17/3/2020 से 17/3/2025 तक।<br /> LUM SUMP = 25000 @ 34.50 (18/9/2020)<br /> 3.एक्सिस मल्टी कैप फंड डायरेक्ट प्लान<br /> LUM SUMP- 20000@9.39 (निवेश की तारीख 4-12-2021/26-05-2022)<br /> 4.कैनरा रोबेको इक्विटी टैक्स सेवर फंड रेगुलर प्लान<br /> एसआईपी राशि 2000/ 7-07-2011 से 7-06-2030 तक<br /> 5. डीएसपी फ्लेक्सी कैप फंड (एसआईपी राशि 2500/पीएम) 25-08-2020 से 25-08-2030 तक)<br /> 6.डीएसपी टैक्स सेवर फंड डायरेक्ट प्लान (10 साल पूर्ण) एसआईपी राशि 2500/10-7-2022 को पूर्ण)<br /> कृपया मुझे बताएं डीएसपी टैक्स सेवर फंड इसे बेचें या होल्ड करें/अगले 5 साल<br /> 7. आईटीआई वैल्यू फंड लम सम्प -20000<br /> 8. आईसीआईसीआई पर्डेंशियल हेल्थकेयर ईईटीएफ फंड (लमसम्प 10000(1.5 साल पहले)<br /> 9. महिंद्रा मैन्युलाइफ बैलेंस्डएडवांटेज योग्ना लम सम्प 10000/23-12-2021<br /> 10.यूटीआई केंद्रित इक्विटी एफ यूएनडी--- ----LUMMP- SUMP-20000 (25-8-2021)</p> <p>कृपया मुझे बताएं 7 से 10 सीनियर कोई फंड नहीं है इसे बेचें या रखें या स्विच करें?</p>

Ans: नमस्ते गर्ग पंकज कुमार। मेरी सिफ़ारिश होगी कि आईसीआईसीआई और आईसीआईसीआई बैंक के लिए समान एएमसी की बेहतर योजनाओं पर स्विच किया जाए। यूटीआई.</p> <p>आईटीआई & महिंद्रा मैन्युलाइफ को विभिन्न एएमसी की बेहतर योजनाओं में भुनाया और पुनर्निवेश किया जाना चाहिए।</p>

Advait Arora |1264 Answers |Ask -Follow

Financial Planner - Answered on Jun 23, 2023

Question by Sushobhan - Jun 18, 2023English

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मेरा निवेश 1. क्वांट स्मॉल कैप फंड डायरेक्ट प्लान ग्रोथ, 2. एसबीआई मैग्नम मिड कैप डायरेक्ट प्लान ग्रोथ, 3. एसबीआई ब्लूचिप डायरेक्ट प्लान ग्रोथ, 4. आईसीआईसीआई प्रूडेंशियल ब्लूचिप फंड और 5. एक्सिस ब्लूचिप फंड में है। मेरा मासिक निवेश 2500 रुपये प्रति माह है, यदि कोई बदलाव की आवश्यकता हो तो कृपया सुझाव दें।

Ans: सभी अच्छे हैं। संख्या 3/4/5 वैसे तो बहुत समान हैं। आप इन्हें केवल 2 ऐसे ब्लूचिप फंड में मर्ज कर सकते हैं। हमेशा सीधी योजनाएँ ही बनाएँ

Vivek Lala | Answer |Ask -Follow

Tax, MF Expert - Answered on Sep 23, 2023

Question by S - Jun 25, 2023English

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मैंने निम्नलिखित फंडों में निवेश किया है और होल्डिंग या स्विचिंग पर आपकी सलाह की आवश्यकता है ----1) एसबीआई फोकस्ड इक्विटी फंड नियमित वृद्धि - 4 अगस्त 2022 को 227 रुपये पर खरीदी गई 645 इकाइयां,----2) एसबीआई ब्लू चिप फंड नियमित वृद्धि - 4.8.22 को रु.60.84 की दर से 822 इकाइयां खरीदी गईं, ----3) एसबीआई मल्टीकैप फंड नियमित योजना वृद्धि - 4.8.22 को रु.10.59 की दर से 34953 इकाइयां,----4) एचडीएफसी टैक्स सेवर डायरेक्ट प्लान ग्रोथ विकल्प - 9.3.20 को 40000/- रुपये का एकमुश्त निवेश,----5) एचडीएफसी डेवलप्ड वर्ल्ड इंडेक्स फंडऑफ फंड - 21.10.21 को 50000/- रुपये का एकमुश्त निवेश, ----6) एचडीएफसी इक्विटी सेविंग्स फंड डायरेक्ट प्लान ग्रोथ - 21.10.21 को 70000/- रुपये का एकमुश्त निवेश,----7) एचडीएफसी निफ्टी नेक्स्ट50इंडेक्स फंड डायरेक्ट ग्रोथ - 3.11.21 को 50000/- रुपये का एकमुश्त निवेश

Ans: नमस्ते, फंड के चयन के साथ एक लक्ष्य जुड़ा होना चाहिए। यह निवेश शैली अव्यवस्थित प्रतीत होती है और अपने लक्ष्यों के संदर्भ में बहुत निश्चित नहीं है। इसके लिए किसी सलाहकार/वितरक से व्यक्तिगत रूप से बात करें।

Ramalingam Kalirajan |8325 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 13, 2024

Question by Gambhir - Apr 13, 2024English

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नमस्ते सर, मैंने निम्नलिखित में निवेश किया है: 1. आदित्य बिड़ला फ्लेक्सी कैप 1 लाख। 2. आदित्य बिड़ला पीएसयू फंड- 1 लाख। 3. आईसीआईसीआई लार्ज एंड मिड कैप फंड - 1 लाख। 4. आईसीआईसीआई वैल्यू डिस्क- 1 लाख। 5. निप्पॉन ग्रोथ फंड - 3 लाख। 6. निप्पॉन लार्ज कैप -1 लाख। 7. निप्पॉन मल्टी कैप -1 लाख। 8. निप्पॉन फार्मा -1 लाख। 9. निप्पॉन पावर एंड इंफ्रा-1 लाख 10. क्वांट एक्टिव फंड -1 लाख। 11. क्वांट ईएलएसएस -1.5 लाख 12. क्वांट इंफ्रा -1 लाख 13 क्वांट मिड कैप -1 लाख 14 एसबीआई कॉन्ट्रा -1 लाख 15. एसबीआई लार्ज एंड मिडकैप 1 लाख (1 से 15 5 साल या उससे अधिक के लिए एकमुश्त निवेश हैं) 1. निप्पॉन स्मॉल कैप एसआईपी- 10000. 2. क्वांट स्मॉल कैप एसआईपी -10000 3. आईसीआईसीआई निफ्टी लार्ज मिड कैप एसआईपी - 10000. सभी निवेश मार्च और अप्रैल 2024 में किए गए हैं। कृपया सलाह दें।

Ans: आपने विभिन्न फंड श्रेणियों में एक विविध पोर्टफोलियो बनाया है, जो अच्छी बात है। हालाँकि, अपने निवेशों की नियमित रूप से निगरानी और समीक्षा करना भी महत्वपूर्ण है। आपके निवेश की हालियाता को देखते हुए, उन्हें बढ़ने के लिए समय देना आवश्यक है।

अतिरेक से बचने के लिए समान फंडों को समेकित करने पर विचार करें, जिससे ट्रैकिंग आसान हो सकती है और ओवरलैपिंग होल्डिंग्स कम हो सकती हैं। फंडों की संख्या को देखते हुए, योजनाओं में ओवरलैपिंग सेक्टर या स्टॉक हो सकते हैं।

प्रत्येक फंड के प्रदर्शन और अपने वित्तीय लक्ष्यों के साथ उसके संरेखण की नियमित रूप से समीक्षा करें। यदि कोई फंड अपने साथियों या आपके निवेश उद्देश्यों से काफी अलग है, तो पुनर्संतुलन पर विचार करें। अपने वित्तीय लक्ष्यों और जोखिम सहनशीलता के अनुरूप व्यक्तिगत सलाह के लिए वित्तीय सलाहकार से परामर्श करें।

नवीनतम प्रश्न

Dr Nagarajan J S K |375 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 08, 2025

Asked by Anonymous - May 03, 2025

Career

I am preparing for NEET UG. This is my second attempt. What alternatives I have if I am not able to score for GMCs. What are my options for bio tech I didn't apply for cuet. Which are best colleges for b tech in bio technology and how can I seek admission there without wasting any more of my time.

Ans: Hi,

I believe you might have completed the NEET for the second time on May 4, 2025, is that correct? What score are you aiming for? If you achieve a good score, you can aim for GMC; otherwise, consider any of the following courses:

- BAMS (Bachelor of Ayurvedic Medicine and Surgery)
- BSMS (Bachelor of Siddha Medicine and Surgery)
- BUMS (Bachelor of Unani Medicine and Surgery)
- BHMS (Bachelor of Homeopathic Medicine and Surgery)
- BDS (Bachelor of Dental Surgery)
- BNYS (Bachelor of Naturopathy and Yogic Sciences)

All of these courses are quite good.

Regarding your second query: Apart from NEET, you can pursue Pharmacy, Nursing, or Medical Lab Technology (MLT) instead of Biotechnology. Once you complete any of these programs, you are likely to find a job quickly. The order of preference I would recommend is Nursing, Pharmacy, and then MLT.

If you are still interested in Biotechnology, some private institutions offer the course. Before enrolling, it’s advisable to visit the campus and check the infrastructure as well as the syllabus. Many programs focus on botany-related aspects of biotechnology rather than human and animal applications. If you pursue Microbiology, you may have better job prospects.

In addition to health-related fields, you may also consider pursuing agriculture-related courses.

Since you did not provide information about your locality, I cannot comment on the best institutions available in your area.

BEST WISHES

POOCHO. LIFE CHANGE KARO.

Radheshyam Zanwar |1612 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 08, 2025

Asked by Anonymous - May 08, 2025

Career

I'm getting production,civil, metallurgy at pec Chandigarh and IT at uiet Chandigarh. I have interest in tech field but pec has strong alumni network so I'm confused what should I join. I am thinking to take core branches at pec and develop skills by side. Will it be safe for my future career ?

Ans: Hello dear.
PEC Chandigarh is a reputed institute. It is a good idea to take admission to one of the core branches and then develop the skills by joining either online/offline courses. Many aspirants have completed engineering in core branches with additional skills in the past. But among the three branches you mentioned, Production, Civil, and Metallurgy, in which branch/field you are interested is not clear. Choosing the branch at random will create frustration in the future. You also mentioned that you have an interest in the tech field and may get a seat in UIET Chandigarh. Now, if you have an interest in the tech field, then it would be better for you to prefer a computer-related branch. Focus more on your interests rather than thinking that PEC has a strong alumni network. It would be a wise decision to opt for IT, considering your strong interest in it.
Follow me if you like the reply. Thanks
Radheshyam

Radheshyam Zanwar |1612 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 08, 2025

Question by Jayesh - May 08, 2025

Career

Hi, My son got 18256 rank in JEE Mains 2025. His interest is in AI and machine learning. Based on last year's cutoff, we see that he may get admission in following colleges in either AI or CSE. 1. NIT Agartala, 2. BIT Mesra, Ranchi, 3. IIITDM, Kancheepuram, 4. IIIT, Naya Raipur In which order should we prefer these institutes? Do you suggest any other govt colleges? Thanks, Jayesh

Ans: Hello Jayesh.
Congratulations to you and your son. The options you put are all excellent. There is no need to search other options if he is getting admission to one the mentioned institutes.Yet to suggest, you can prefer either BIT Mesra or IIIT Raipur. Best of luck to your son for his bright future.
Follow me if you like the reply. Thanks
Radheshyam

Mayank Chandel |2259 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 08, 2025

Question by Puneet - May 08, 2025

Career

NIT Trichy - Mechanical or NSUT Delhi - ECE which one is better

Ans: Hi Puneet
Choose NIT Trichy – Mechanical Engineering if you're passionate about core mechanical fields, value a strong academic foundation, and are interested in industries like manufacturing, automotive, or energy.

Choose NSUT Delhi – ECE if you're inclined towards electronics, communication, or software roles, and wish to leverage the advantages. The average salary here is higher than Mech at Trichy.

If you want NIT tag then go for NIT Trichy.

Mayank Chandel |2259 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 08, 2025

Question by AMIT - May 08, 2025

Career

My Son resident of MUMBAI, has Secured 17K Rank in the VITEE ENTERANCE EXAM and 75% In His HSC (12th BOARD - PYSC 65 CHEM 71 MTHS 55). He wants to JOIN VIT - VELLORE for B.Tech. Computer Science and Engineering (Artificial Intelligence and Machine Learning). Will He be able to QUALIFY for the Above Course At VIT - VELLORE and What are Your Suggestion / Recommendation to Him. Also Which GOOD & REPUTED INSTITUTES CAN HE TARGET FOR THE SAME COURSE IN MUMBAI.

Ans: Hi Amit
at this rank, Vellore seems difficult. You may get Chennai or Bhopal. You can try BVP at Mumbai. As many colleges which are under Mumbai University don't have the upgraded course.

Milind Vadjikar |1210 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on May 08, 2025

Question by Badrinath - May 06, 2025

Money

HOW TO CHOOSE HEALTH INSURANCE

Ans: Hello;

You may shortlist health insurers based on following factors:

1. Incurred claims settlement ratio for 3 years atleast, preferable if available for 5 years.

2. List of network hospitals across the country and around the places that you generally operate. The more the better.

3. List of black listed hospitals so as to avoid them.

4. Low waiting period for pre-existing illnesses.

5. Claim settlement through TPA or directly the insurer(better). Also cashless claim settlement feature is desirable.

6. Reputation in the market.(Capital adequacy)

7. List of permanent exclusions

8. No sub limit on daily room rent.

9. Alternative therapies covered(Ayurveda, homeopathy etc).

10. Psychiatric treatments coverage.

Key is to disclose all existing conditions and conduct medical tests as requested by the insurer.

This way the chances of claim rejection are reduced.

You may also consult an insurance advisor if required, for further clarity.

Best wishes

Milind Vadjikar |1210 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on May 08, 2025

Asked by Anonymous - May 08, 2025

Money

Dear Guru's, I didn't renew my co-operate health insurance for my mom this year, thinking I'll get a private health insurance and my research kept on dragging till now to find one private health insurance..I did find...but suddenly now we have a situation for varicose vein treatment for my mom..now I'm without insurance in the hand....is there anything I can do...my co-operate insurance covers with no waiting period (can only purchase next year apr-2026)..but if I take a private health insurance now after 3 yr the treatment will be covered. I'm stuck now.. wether i should pay out of my own pocket or wait until next year...?

Ans: Hello;

It is entirely your mistake therefore no point in your Mother bearing brunt for the same by suffering with the disease till health cover is back.

Pay it from your pocket. If she is above 70 then Ayushman Bharat Yojana is applicable. If she is above 60 some state govt schemes are there but you need to check with state of her domicile.

Many charitable hospitals may offer treatment/surgery discount to senior citizens above 60 age.

And please do take adequate health care cover for you parents at the earliest.

Best wishes;

Prof Suvasish Mukhopadhyay |625 Answers |Ask -Follow

Career Counsellor - Answered on May 08, 2025

Question by Sujatha - May 08, 2025

Career

I have scored 82 percentile in jee mains 2025 and 96.9 percentage in IPE in which NIT'S,IIIT's and GFTI's Can I get ECE seat

Ans: In low ranked institutes you may get.

Asked on - May 08, 2025 | Answered on May 08, 2025

Can I know the names of the institutes please?

Ravi Mittal |583 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 08, 2025

Question by SAANVI - May 08, 2025

Relationship

My crush give me mixed signals till school time so what it means

Ans: Dear Saanvi,
I would suggest not to read too much into mixed signals- one thing, you might be reading them wrong. Second, it’s possible that they are confused and hence the mixed signals. Third, without verbal confirmation, it’s best not to get your hopes high. If you need further help understanding what the signals mean, please provide a little more details.
Hope this helps

Ravi Mittal |583 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 08, 2025

Question by Shan - May 06, 2025

Relationship

Hello Gurus, i am M 30 I called a girl in an AM setup. Parents are involved and they talk to each other as well. After 2-3 months of continuous talking to her over phn i am convince their family is good and even she is a very good person. So we decided to meet her in person and also parents are meeting. Even though everything seems to be positive i want to check with you since its my first meeting in person is there any advice or suggestion that can help me navigate myself ? What things are imp to discuss even though we have discuss things over phn like emotional intelligence, kids, where to live etc. Your advice would be helpful for sure.

Ans: Dear Shan,
That’s a really good question. Before going to her place, try to build a mindset of understanding her, without any preconceived notion or pressure to get married. In terms of discussion, to understand emotional compatibility you can observe her behaviour- how she deals with stress, or how she might deal with conflict. Discuss daily life expectations, like what you like to do on weekends, do you enjoy occasional drinking or partying, do you enjoy spending time with friends, family gatherings, disciplined lifestyle, etc. Discuss about each other’s work life balance, expectations from in-laws and any non-negotiables. You should also discuss kids- if they want them, if you want them, and also when. Get clarity on expected living arrangements to avoid any future conflicts. These should be more than enough for a first-time meeting.
Hope these help

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