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Chandu Nair | Answer |Ask -Follow

VC, Angel Investing, Entrepreneurship Expert - Answered on Sep 23, 2023

Chandu Nair advises entrepreneurs and enterprises about creating and building their business.
He has direct experience in angel, venture capital and strategic investor funding. Over the last three decades, he has made a name for himself in industry, consultancy, media and information services.
Nair is on the advisory boards of the Chennai-based private equity firm Fulcrum and the social impact fund, Menterra. He's an independent director on the board of India's first retail building products company, Shankara Building Products Limited.
He was the co-founder of Scope e-Knowledge Center, a pioneering knowledge process outsourcing company, as well as the co-founder of a business-to-business e-commerce venture, both of which he successfully exited.... more

Question by Milan on Sep 23, 2023Hindi

Career

Should a retail investor with higher risk profile invest in start ups? How much percentage of his portfolio should it be and which platforms permits small amount investing in startups in India?

Ans: It depends on your risk appetite, time horizon, need for liquidity and mindset. Startup investing ideally requires a time horizon of 5+ years and building a portfolio of over 10+ companies in order to increase the probability of seeing returns. There are angel networks and online platforms each of whom have different eligibility criteria. One platform has cut its minimum ticket size to Rs 1 lakh per investment. It would be best for you to do your diligence before proceeding further.

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Tejas Chokshi | Answer |Ask -Follow

Tax Expert - Answered on Jun 14, 2023

Question by DK - Jun 13, 2023Hindi

Money

Tejasbhai, How and where can and individual investor like me put money in startups?

Ans: look for companies which are newly registered and whos' ideas looks innovative to you. Take help of an expert if you wish to analyse more on the data of this company. To invest in such companies, try to find who is their financial advisor or meet the company director directly.

Maxim Emmanuel |389 Answers |Ask -Follow

Soft Skills Trainer - Answered on Aug 28, 2024

Asked by Anonymous - Aug 26, 2024Hindi

Career

Hello Sir, I am interested in retail angel investing for startups. I have heard that there are platforms where retail investors can start investment with as less as 50K or 1 lakh. Is it true? And is it legal? If it is, can you kindly inform me of a few platforms where I can join and invest. Thanks.

Ans: It's important to do proper due diligence before zeroing on, investment opportunities .

Study the business model evaluate the risks, see the success percentage then decide.

f you do need further professional advice happy to assist
https://m.me/maxim.emmanuel.2024

Latest Questions

Nayagam P P |3796 Answers |Ask -Follow

Career Counsellor - Answered on Oct 03, 2024

Asked by Anonymous - Aug 16, 2024Hindi

Career

y son is admitted in Mahindra university having branch electrical and emobility so you say about branch and Mahindra university

Ans: (1) Following are some of the career options / companies your son can try after completing his course: Railways, Metro rail corporations, Hitachi, ABB, Schneider, GE and Siemens. 2/3 wheeler industries like Ather, Hero, TVS, Ola, Okinawa, Revolt motors, Honda, Vida, Rissala electric, Bajaj, Sunrun motors, Mahindra electric, Piaggio motors, etc.Electric car/bus companies such as MRV, Tata Motors, Mahindra & Mahindra, Hyundai, Ashok Leyland, Olectra, Eicher etc. EV feeder industries like Lucas-TVS, Bosch, Automotive axles, Hella, Lumax Auto, Schaeffler, Valeo, Shakti pumps, Electra EV, Dana TM4, etc.Companies manufacturing batteries like HBL, Panasonic, Amara Raja, Exide, Eveready, etc. Battery-charging industries such as Delta electric, Eaton, Statiq, etc. (2) He should create his LinkedIn Profile and keep updating it every 3-months (4) Also, he should keep upgrading his skills till his 4th year for Campus Recruitment or off-campus. (3) Putting job alerts in LinkedIn and knowing the Job Market Trends will further help him. All the BEST for Your Son's Prosperous Future.

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Nayagam P P |3796 Answers |Ask -Follow

Career Counsellor - Answered on Oct 03, 2024

Question by Vamsidhar - Sep 16, 2024Hindi

Career

Sir I am btech - industrial biotechnology (4 years ) student. Now I'm in 3 rd year . My family financial situations didn't ain't me study msc or mtech or going abroad. So.. I'm planning to work hard for an year to get government job in my biotech field. However, biotech in india is just in it's initial stages . I didn't find good jobs in biotech industry for graduates and I even google many times about this concern. Could you please guide me ? What are best rated - government and private jobs in biotechnology field for biotech graduates ? I want each of jobs list If not any other alternatives ? What are the entrance exams I can appear for mtech pursuing at free of cost in India ? Is there any entrance exams to get a govt job in biotech field for graduates ? I'm bothered with many quests???????? I'm so... Worried about my career . Hope I'll get my answers from your team as soon as possible Thank you ????

Ans: Vamsidhar, please check Job Vacancies on LinkedIn. I hope you have your LinkedIn profile already. Try to appear for CUET for your PG Program. Getting free education for your PG might be difficult. However, you can try for scholarships provided by the Govt. of India which is subject to certain conditions, like your parents' salary should be less than 8.00 lacs/year, etc. Some of the Govt. Organizations' Websites you can check for jobs: Council of Scientific and Industrial Research (CSIR)
Indian Council of Medical Research (ICMR)
Department of Biotechnology (DBT)
Indian Council of Agricultural Research (ICAR)
Defence Research and Development Organisation (DRDO)
Bharat Immunologicals & Biologicals Corporation Ltd. (BIBCOL)
Hindustan Antibiotics Limited (HAL)
Indian Drugs and Pharmaceuticals Ltd. (IDPL)
National Agri-Food Biotechnology Institute (NABI)
Biotech Consortium India Limited (BCIL)
CSIR-UGC NET
GATE for Some PSUs
DBT JRF &
ICMR JRF.

Hope the above information is enough for you. All the BEST for Your Prosperous Future.

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Milind Vadjikar |307 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 03, 2024

Asked by Anonymous - Sep 28, 2024Hindi

Money

Hi, I have got 7 years of experience and has worked in 2 companies. Recently applied for pension amount withdrawal Upon checking my last company has not updated the EPS JOIN & END dates in UAN, they have only updated EPF dates.now i shall receive only one company eps amount. How to get told one please suggest me

Ans: Take eps scheme certificates from your previous employer and submit it to epfo thru your current employer.

Always take eps scheme certificate from the employer whose services you have quit and furnish it to the new employer so that EPS contribution is intact and keeps growing through current employer contribution.

Nayagam P P |3796 Answers |Ask -Follow

Career Counsellor - Answered on Oct 03, 2024

Asked by Anonymous - Sep 14, 2024Hindi

Career

Hi My son persuing MCA final year & also preparing, practicing to crack aws cloud certification. Your valued advice pls?

Ans: Your son should take some significant actions from now and have some choices. Try to obtain as many certificates (from NPTEL, Coursera, Internshala etc. and/or advised by his College Faculties) to get himself ready for Campus Placement or Off-Campus (2) To create a Professional LinkedIn Profile (if not already created) and maintain updating it; (3) To put job alerts in LinkedIn, related to his domain/certifications to know the job market trends and prepare himself for either campus placement or off-campus,. He should also attempt an internship—even if it is a paid one. Should he decide on Abroad Education, it is advisable to do basic research about the countries and courses preferred, prepare for the Admission Tests whichever will be applicable, and then approach the Abroad Education Consultant with your preferred colleges/courses. All the BEST for Your Son's Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Milind Vadjikar |307 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 03, 2024

Asked by Anonymous - Oct 03, 2024Hindi

Money

Im around 30, working at a mnc earning around 60 k a month. My monthly expensiture is 25 k how much i should save for a happy retirement. Im a married women and current i dont have kids. There is no money to take from my husband side.

Ans: Hello;
You may invest 25K per month into NPS. It's an E-E-E type investment product.(Exempt)

Select active choice and allocate 75% to Equity, 15% to corporate bonds and 10% to Govt securities.

Select UTI as pension fund manager for Equity and HDFC for bonds & G-Secs. (Recommended based on past performance).

Assuming modest growth of 9% you may expect a corpus of 4.61 Cr at 60 years of age.(As per current rules 40% of the corpus should be utilised to buy annuity and 60% you can withdraw lumpsum and invest elsewhere)

This can generate fixed income more then enough to cover your expenses indexed to inflation.

PPF is another instrument for retirement planning but their is an investment limit(1.5 L per year) and returns are also lesser.

Mutual funds are another avenue which can yield superior returns for example if you invest 25 K per month in pure equity scheme for 30 years you may expect a corpus of 11 Cr but typically people utilise their mutual fund gains over 7-8 years for some other purpose. NPS has limited withdrawal allowed because it is meant for your retirement pension.

Happy Investing!!

Milind Vadjikar |307 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 03, 2024

Question by Mahir - Oct 01, 2024Hindi

Money

Hi Anil, I am 54. My investments are - 3 Cr in Real Estate (rented), 2.5 Cr in Bonds, 2 Cr in Equity, 2.5 Cr in Debt PMS Funds, 50 lakh in PF & 50 lakh liquid funds. Should I invest more in Equity to get higher retruns as I feel that my portfolio is conservative? This is also considering the fact that fantastic performance is given by the Equity market.

Ans: Hello;

Equity asset class gives fantastic returns over long-term is a proven fact.

However in short to medium term it is prone to wild fluctuations and high volatility which I feel is unsuitable for your age group.

However you may divert your direct equity holdings or do fresh investments into equity savings type mutual funds (which have low to moderate risk compared to highly risky pure equity funds) for 3 to 5 year horizon.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Milind Vadjikar |307 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 03, 2024

Asked by Anonymous - Oct 01, 2024Hindi

Money

I had worked in a Company before UAN came into force in 2008. I have the previous PF Number and the Old Salary Slip which mentions PF deducted. The Organisation that I used to work with is no more and the Firm has been closed. How and where can I get my previous contribution added to my new PF UAN account? Please guide process wise further.

Ans: Step 1: The first step in EPF Account Transfer without your employer’s approval is to activate your UAN by visiting the EPFO portal and entering your personal and employment details.

Step 2: You also need to link your Aadhaar and PAN with your UAN to verify your identity and streamline the transfer process.

Step 3: Next, you need to fill out Form 13 (Revised) and submit it to your current employer. In the form, you need to provide details such as your UAN, previous employer’s details, and the amount to be transferred.

Step 4: EPFO will verify the details provided in Form 13 and initiate the transfer process without requiring approval from your previous employer.

Step 5: Once the EPFO completes the verification process, the funds from your previous EPF account will be transferred to your new EPF account.

T S Khurana |125 Answers |Ask -Follow

Tax Expert - Answered on Oct 03, 2024

Asked by Anonymous - Oct 01, 2024Hindi

Money

Sir I was employed in a private firm in the year 1983-1987 for 4 years, PF was being deducted, but I have not claimed it till now. How do I go about to claim the PF DUES. PLEASE GUIDE THANK YOU.

Ans: You should visit/contact PF Commissioner's Office or your old employer to proceed in this matter. You may claim your fund even online by filing proper documents, along with your identity proof & bank account details etc.
Most welcome for any further clarifications. Thanks.

T S Khurana |125 Answers |Ask -Follow

Tax Expert - Answered on Oct 03, 2024

Question by Abhishek - Oct 03, 2024Hindi

Money

I am a 42 year old unmarried person living with my parents in Navi Mumbai. The house was brought 20 years back and is held jointly in the name of both my parents. Due to my parents old age they want to transfer the house in my name. Please advice what is the best suggestion whether they gift the property to me or should they register a joint will. My brother expired few years back and I am the only son left. I also own property brought by my own money so will owning two property lead to wealth tax. Please advice.

Ans: 01. Your parents may transfer the property in your favor, which shall be treated as a Gift from parents to their son.
02. Other way out is they execute a REGISTERED WILL, in your favor & you can get the property transferred in your favor, after them.
03. You may be having one or more properties at present, but this will not effect in the above transaction, in any way.
Most welcome to any further clarification. Thanks.

Milind Vadjikar |307 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 03, 2024

Asked by Anonymous - Oct 03, 2024Hindi

Money

I want to start SIP for my two minor children. I want to invest in MF schemes of different AMCs. Do I need to open Demat accounts for them? I am looking for some reliable platforms like Zerodha or Groww but not very confident about there future prospects so looking for some platform from established banks like ICICI or HDFC but which may let me invest in MFs of different AMCs. Please suggest. Thank you!

Ans: You don't need a demat account to buy mutual funds.

Coin by Zerodha is very popular platform apart from ET money, payTM money, Kuvera.

You may also use mycams, kfinkart apps or MFUonline, MFcentral websites for your MF investments.

Happy Investing!!

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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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