Money - Rediff Gurus

Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Question by SUBODH - Jun 06, 2023

Subodh : Sir, your view on Avalon tech .

Ans: Good quarterly growth in the recent results
Growth in Net Profit with increasing Profit Margin (QoQ)
Company reducing Debt
Good Signs can hold for long term.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Question by Debasis - Jun 06, 2023

I have shares of Alembic Pharmaceuticals Ltd. What can I do now?

Ans: Declining Net Cash Flow : Companies not able to generate net cash
Annual net profit declining for last 2 years
2 negative things but some improvement through Growth in Net Profit with increasing Profit Margin (QoQ) so HOLD it for atleast 2 years.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Question by Sandeep - Jun 06, 2023

Which is good share to invest 5lakh for horizon for atleast 10 years. Regards Sandeep

Ans: this is not a platform to recommend shares.

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Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Question by Jayakumar - Jun 06, 2023

Sir - I am holding 2,000 shares of India Bull Real Estate, should I hold / Sell

Ans: Degrowth in Revenue and Profit
Decline in Net Profit with falling Profit Margin (QoQ)
Decline in Quarterly Net Profit with falling Profit Margin (YoY)
Declining Revenue every quarter for the past 2 quarters
Declining profits every quarter for the past 2 quarters
Companies with weak financials
Declining Net Cash Flow : Companies not able to generate net cash
Annual net profit declining for last 2 years
Fall in Quarterly Revenue and Net Profit (YoY)

with all the above data its a complete negative part in the company. Its a PURE SELL.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Question by Arun - Jun 06, 2023

Sir I have 600 share of yes Bank.What is future of this shares.

Ans: No Future at all. EXIT and buy quality banks.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Question by Banibrata - Jun 06, 2023

Sir, I am holding TCS @ 3407. Should I hold?

Ans: This company is a never SELL.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Sunil Lala |32 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Asked by Anonymous - May 18, 2023

Hi, I am 56, I would like to create sufficient corpus to retire by 62. I would like to have a monthly income of 2.5 L. My annual income currently is 36 L. Please suggest suitable investment options.

Ans: You need 5crs at the age of 62yrs if you need a monthly income of 2.5L per month
In order to get there in 6yrs , your sip amount has to be about 4.7L per month or a mix of lumpsum and sip since your monthly income is 3L per month so you cannot do a sip of 4.7L per month

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Sunil Lala |32 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Sandeep - Jun 05, 2023

I am a 36 year old working professional in IT Sector. i am currently investing in in the following mutual funds from past 1 year 1. Axis Bluechip Fund Growth - 2000 2. HDFC Flexicap fund - 4500 3. SBI Multicap Fund Regular Plan Growth - 2500 4. Parag Parikh Flexi Cap Fund Regular Plan Growth - 2500 5.Mirae Asset Large Cap Fund Regular Plan Growth - 5000 6. ICICI Prudential Balanced Advantage Fund Growth - 5000 7. TATA Digital India Fund Regular Plan Growth - 2000 8. HDFC Index Fund - 5000 also investing in Kotak ULIP 2,00,000/- per year from 3 years. Do i need to change or buy new. i wants to invest 20K more monthly.

Ans: Hello, as I can see the funds, I would like to suggest the category of funds you should select of your time horizon is 7-10yrs plus
Small cap - 20%
Mid cap -20%
Large and mid - 20%
Multicap -20%
Thematic fund - 10%
Funds of your choice- 10%
Ulip should be invested in by checking the cost of the ulip. If the cost is more than the mutual funds , you can avoid that

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Sunil Lala |32 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Abdul - May 26, 2023

Sir I have a savings of rs 15000 so where can I invest

Ans: Select any mid , small cap fund if your time horizon is 7yrs plus

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Asked by Anonymous - Jan 28, 2023

is jubilant Pharmova ltd good for 2-3 year ?

Ans: Jub Pharmova has delivered a poor sales growth of -3.53% over past five years & also has has a low return on equity of 7.03%. it is a SELL from my side

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Sushil - May 30, 2023

Having 41 ACC. Should I hold or exit?

Ans: HOLD ACC , it is a good long term bet

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Vijay - May 17, 2023

I have following shares: 1.Tata elaxi- 10 share@Rs 6560 2.Trent- 50 shares@Rs 1148 3.Delta corp 360 share@Rs 224 4.oil india 600 shares@ Rs 209 5.icici bank136 share@Rs866 6.Maruri 50 shares@Rs 8173 Should i sell or hold?

Ans: All are good stories except OIL india. i would sell oil india and move the money to icici bank or maybe Trent.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Santhanam - May 31, 2023

Sir can i hold the Reliance power (25 Shares) and UCO bank (50 Shares) or sell

Ans: SELL both and move to better stories.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Sushil - May 30, 2023

Having 151 Wochardt. Should I hold or exit?

Ans: EXIT and move to better stocks

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Sanjay - May 31, 2023

What's the future prospects of Piramal Pharma stock for long term horizon? Please suggest. Regards.

Ans: Piramal Pharma is a typical mystery for me. finally it has reported profits after a long time and i hope it is not a one off. keep track of results.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by KRITKA - May 31, 2023

I have sterling wilson solar @ 404 should i average or not & IEX @ 205.00

Ans: Sterling Wilson and IEX , but hold for sometime. wait for results and only add more if you see strong growth

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by balaji - May 31, 2023

I have MIRZAINT share 350 nos. bought at 58 rs. . Can i sell or hold Please advice

Ans: something FISHY going on in MIRZA. i am not comfortable with this stock. take a calculated call.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Suresh - May 31, 2023

I have 10000 shares of avance technologies, how long i can hold it

Ans: typical penny stock and prima facie looks like a very dodgy company to me. STAY AWAY !!

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Ram - May 30, 2023

I have 200 shares of Titagarh Wagons bought at Rs. 252 - should I hold?

Ans: HOLD for some time and track the results.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by senthilmurugan - May 30, 2023

bank of india buy at this level

Ans: on dips maybe yes. it is improving its results every time, which is a good sign

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Murtaza - May 28, 2023

Sir pls give your advise on olectra greentech..iam invested at current price ..pls advise on its future performance.

Ans: OLECTRA has shown good profit growth of 49.1% CAGR over last 5 years but is also trading at very high valuations. keep track of results very regularly.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by MANOJ - May 31, 2023

I have 500 shares of IDFC First Bank at a price of 68. What price should I expect after two years?

Ans: higher price after 2 years sure, but how much we cant say. The story of IDFC bank is looking very strong.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Vaman - May 31, 2023

I have nearly 2000 units of UTI mid cap fund. I want to transfer 300 units to UTI new NFO OFFER uTI BSE S&P HOUSING INDEX FUND. ISIT ADVISABLE?

Ans: I will stick to UTI mid cap fund.

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Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Asked by Anonymous - Jun 06, 2023

can I buy chennai petro at currrent level for a horizon of one year

Ans: NO

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by RK - Jun 01, 2023

I have 10 shares of Punjab Chemicals bought @1265/-. At a loss of about 48%. Please advice book Loss or Hold

Ans: what was the thesis behind buying PUNJAB Chem ?
I will suggest to wait for results and sell on rise if you can

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by K - May 31, 2023

I hv 1000 shares of Bharat Immunologicals & Biologicals Corporation Ltd (BIBCL) bought at Rs.98.50 two years before. Now it is at Rs.22.30. Should I hold or sell it?

Ans: SELL and move to better stories !!

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by S - May 31, 2023

WHAT SHOULD I DO WITH NAZARA TECHNOLOGY SHARE I HAVE 1000 PURCHASE PRICE @ 732 HOLD OR BOOK LOSS

Ans: HOLD for sometime and keep track of results. it is an interesting space.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Jayesh - May 30, 2023

Hi, i have hdfc ltd share @ 2300 200 share and hdfc bank share @ 1600 500 share, should i keep both share or sell... Regards jayesh joshi

Ans: keep both till merger happens.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Asked by Anonymous - Jun 01, 2023

What is your take on galaxy surfactant, clean science, asahi india glass, alkyl amine?

Ans: Galaxy, clean science and alkyl amines are excellent chemical stocks with strong RoCE. Can hold for long term. I believe ASAHI india has delivered a poor sales growth of 8.83% over past five years, co can be avoided .

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Mahesh Padmanabhan |118 Answers |Ask -Follow

Tax Expert - Answered on Jun 06, 2023

Question by Krishnamurti - May 27, 2023

Sirji I took VRS and in sanction I was a loser by what was described as statutory company rules allowed me retirement based on minimum 90 days letter of notice. It said I had requested for relief on 31st December and Notice period was short to disallow the short notice of less than a month. Sirji I'm not allowed even arguably any scope of lost settlement in settlement order and hence I have a desire to know your reputed comments for advice WhatsApp number SUBRAMANIAM.K

Ans: Hi Mr. Krishnamurti
I have not understood your query as it does not bring out the facts clearly. Regardless, i would state in broad terms how the VRS tax exemption works.

Section 10(10C) of the Income Tax Act and Rule 2BA of the Income Tax Rules define the exemption of amount received on VRS and the conditions to be met. If you meet the criteria as laid down therein then you would be eligible to consider the exemption.

I did not understand your point on min 90 day notice period. Is that applicable to all employees opting for VRS or limited to you? I state this because VRS rules have to be common for all and there cannot be variations to the policy and different implementation to different classes of employees.

I guess you may need to take the full set of documents either to your CA or a lawyer to evaluate if there is any legal flaw in the manner of implementation of the VRS scheme.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by HIMAVI - Jun 01, 2023

sir i am holding RVNL 100 shares should i hold or ell

Ans: Hold and ride the run for now.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Satish - May 31, 2023

recently i have purchased sterlite technology 200 share at average price Rs.160.65 should i hold or exit to book minor loss please advise sir

Ans: hold it and check results. it is a volatile counter

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Samraat Jadhav |371 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 06, 2023

Question by Ijaz - Jun 06, 2023

Hello sir, I am 33 years old & blessed with two daughters of age 6 yrs & 1yr. i am doing SIP of 2000 each in axis midcap direct plan and tata mutual fund , i would like to invest continuously for next fifteen years. my target corpus is 50 lakhs , pls tell me how can i achieve this. how much more i have to invest in sip to reach my target.? any other fund ? I have invested RS 132000 in adani power. and 109000 in adani wilmar. currently i have negative of 50000 in adani wilmar and -3000 in adani power. should i continue to hold ? or any other fund . my target is to convert this to corpus 50lakhs in 15-20 years

Ans: first thing is that if your goal is 20yrs then switch to small cap funds in SIP mode. So you need to do an SIP of around 30000 every year considering the mutual fund gives 18% CAGR for 20yrs to achieve your 50lakhs corpus, but you need to also understand that after 20yrs the value of 50lakhs will also be down due to inflation so if you are doing it for your daughters then would suggest to go for monthly SIP of 5k each in there name for 20yrs.
Adani's is a SELL.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by ANJANEYAN - Jun 03, 2023

I hold fiem industry @1950 and banco india@275 both200 quantity. What is your advice

Ans: both are very interesting auto anc companies. growth has picked up recently in BANCO which makes it very promising.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Asked by Anonymous - Jun 05, 2023

i have 100 shares of SAIL ,100 SHARES OF IOC and 100 shares of TATAPOWER

Ans: you have you said, but what you wish to do might be your question. I will suggest to hold TATA POWER for long term

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Sanjeev - Jun 01, 2023

i have DSP flexi cap fund regular plan 2862 units at 69.88 is now 68.02. plz advise.

Ans: hold for long term. it is a decent MF

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Ravi - May 18, 2023

Opinion on tanla platforms hold, buy or sell?

Ans: TANLE PLATFORMS : interesting story. HOLD for sometime if you have. keep tracking the results as it is a volatile stock.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Dorairauj - May 18, 2023

What is your view and recommendation on NMDC Steel, Neuland laboratory shares. Can we buy at this stage.

Ans: I will stay away from both.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Asked by Anonymous - Jan 26, 2023

can you suggest me some good shares under 100 for long term benfits

Ans: why under 100 rupees ? the question in itself is the incorrect way of looking at investing. a stock at 100 rs can also come to zero as much as a chance of a stock of rs. 400 has the chance. Also a rs. 100 stock can remain at rs. 100 for many years and a Rs. 5000 sstock can become 10,000 in 3 years.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Syed - May 26, 2023

Please let me know if it is advisable to purchase TATA STEEL share at current rate for 2 to 3 long term period.

Ans: it is a cyclical stock, but you can hold it for long term ! investing is a long term game, minimum holding is 2-3 years and good companies definitely show returns if invested for long time. TATA steel is one of the best steel stocks in INDIA

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Yellanki - May 27, 2023

Sir, My name is YVD Prasad and I am a retired bank employee. I would like to invest my retirement funds in STOCKS. I don't know the basics. Please advise. Regards. YVD PRASAD.

Ans: BUY a good diversified mutual fund and NIFTY ETF. invest for long term.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by hussain - May 27, 2023

Niit share buy or sell , next month waiting sir

Ans: can say about short term or next month hussain. investing is a long term game, minimum holding is 2-3 years and good companies definitely show returns if invested for long time.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by jivaji - May 27, 2023

every time loss in market, how sir, LIC status please

Ans: invest for long term in blue chips and profits will surely come. LONG term means 4-5 years.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by balaji - May 30, 2023

Sir, I Have 350 RVNL @ 65 Now Hold Or Sell???

Ans: Enjoy the run till it lasts. also dividend yield is very good

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by senthilmurugan - May 30, 2023

hbl power buy 100 shares @ 101 hold or sell

Ans: Solid company, fast growing in sunrise sector. HOLD for long term

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by komal - May 30, 2023

hi , adani power can we hold ?

Ans: yes hold it for long term ! investing is a long term game, minimum holding is 2-3 years and good companies definitely show returns if invested for long time.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by kamal - May 29, 2023

i hv 350000 shares of cals refineries

Ans: sell, and more to better stories

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Asked by Anonymous - May 30, 2023

I have Indus Tower 100 no. @ 224/- since last 3 yr. Can i average at present level?

Ans: Sell it !! it is a big big laggard. nearly NIL returns in last 7-8 years.

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by T - May 30, 2023

I have 10 shares of Oracle of Rs.3826. what to do now?

Ans: It is a slow mover but gives great dividend yield. ! investing is a long term game, minimum holding is 2-3 years and good companies definitely show returns if invested for long time. Oracle is a good MNC company

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Advait Arora |678 Answers |Ask -Follow

Financial Planner - Answered on Jun 06, 2023

Question by Rakesh - May 31, 2023

I have 1000 shares of Brightcom group (BCG) @ 84 rs per share. It is an investment. currently it is at 18.70/- rs. what is its future.

Ans: SELL this penny stock. it is a junk company

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