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Advait

Advait Arora  | Answer  |Ask -

Financial Planner - Answered on Aug 15, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more
Nitesh Question by Nitesh on Jun 23, 2023Hindi
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Money

I have 100 Shares of Kalyan Jewellers @ 77.51. Should I hold or sell?

Ans: Solid returns you must have got. the results are good too. keep holding it
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Image Coach, Soft Skills Trainer - Answered on Dec 10, 2024

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I am Commerce graduate in which areas can I make my future what are field open for me
Ans: Dear Shree!

Commerce graduates have many career options, I am listing some of them for you-
1.Company Secretary (CS)
A program that teaches corporate governance, company law, compliance, and secretarial practices
2.Chartered Accountant (CA)
A career that involves auditing, taxation, accounting, financial planning, and consulting
2.Investment banker
A career that involves developing financial assets for customers or organizations, and obtaining finance for corporate operations, acquisitions, and mergers
3.Cost Management Accountant (CMA)
A prestigious professional credential that is considered one of the highest-paying career options for commerce students
4.Chartered Financial Analyst (CFA)
A career that involves financial analysis, variant bonds and derivatives, types of portfolios, and investment management
5.Cost accountant
A career that involves assessing cost information, making and maintaining an expenses database, managing cost information, and preparing budget reports
6.Certified Public Accountant (CPA)
A career that involves managing the accounting, reporting, taxation, and auditing processes for businesses, clients, and the government

Some more options for you..
Financial Analyst, HR Manager, Economist, Financial Planner, Actuary, Market Research Analysts, Bank PO (Probationary Officer), Tax Consultant, Teaching students

Can you see the options and the opportunities that are available for you??
You can also focus on further studies too… amassing knowledge and skills can also be your goal.Focus on acquiring wisdom, spend time and energy on worthy tasks, become mentally and physically strong!


Hope this helps… all the very best!

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Relationships Expert, Mind Coach - Answered on Dec 10, 2024

Asked by Anonymous - Dec 07, 2024Hindi
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Hello Ma'am. Can you tell how can I forget my childhood memories. In my childhood everyone taunts me that I don't look like my mother. I don't look good. My mother has fair skin and I don't have fair skin like her. I have listened to this many times and from many people. So all this words is deeply rooted in my mind and I feel less confidence about myself. I am not confident in approaching someone to chat because at the back of my mind this thing's comes automatically. Due to this I have very low self-confidence. I always feel that I am not good looking. This thought automatically comes to my mind. How can I solve this. How can I increase my self-confidence about myself. Please show me ways
Ans: Dear Anonymous,
And by being fair, there's some great advantage that they all have, is it?
I know that it has been pretty unfair on you that you are not 'fair' and the obsession that some families have over skin color is pretty sickening.
Now, this part of your life is under your control. Either ruin it by bringing the past and 'color' it bad or make it 'colorful' by actually challenging what had happened to you. And how do you do that? By actually not reacting to the past labels; they were in your past. If you accept the way you look and flaunt it, then all these comparisons do not matter. But if you keep replaying the saem music from your past, this is going to continue and make it only worse.
So, accept yourself and every time you feel bad, make sure you tell yourself that your past does not define how your present is...again like any mindset change, this will take time to take effect BUT keep powering on...
Only you can be your best friend and hero, that's it...

All the best!
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Relationships Expert, Mind Coach - Answered on Dec 10, 2024

Asked by Anonymous - Dec 05, 2024Hindi
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Relationship
We had an Arranged Marriage, 6 Months ago with minimal period of Courtship before it. My Wife always wants to have her way with almost everything. Whenever there's any disagreement between us, she emotionally manipulates me & I give in. Sometimes, I get frustrated & argue with her. Whenever, I raise my voice at her, she gets upset. She doesn't talk to me, doesn't let me touch her, doesn't respond to any affectionate gestures like Hugs/Kisses & refuses to engage in any kind of Intimacy. Sometimes, she's in this Sulky Mood for days together & even weeks, if she wants to. For Patching up with her, I'd have to shell out a lot of Money. Her Heart melts only when I give her some Expensive Gifts or take her out & treat her lavishly, only then she would come around to make Love with me. I'd always give in to her demands as I want to lead a Peaceful Married Life with her.But now, she's got used to this Pampering & starts sulking quite often and this is draining me Mentally, Emotionally & Financially. I Love my Wife, Dearly & I'd do anything to see her Happy, but now I've begun to Doubt whether she too Loves me to the same extent or whether she's taking undue advantage of my Kind Nature. Please advise me, how to deal with her & sort out such issues, in the further course of our Married Life? I just want to lead a Happy Married Life along with my Wife & raise a Family in a Peaceful Home.
Ans: Dear Anonymous,
You seem to have married someone who refuses to leave her 'toddler' days behind.
She's stuck in a childish zone where she relents and gives in and patches up only when gifted something; reminds you of a toddler?
You have to break this loop that she has created perhaps without her knowledge. Healthy couples sort their differences by communicating, debating and coming to some sort of understanding. So, do not go down the path of whether she loves you or not but be aware that she is used to having her way through the loop.
It's going to start with you; the next time you face the same situation...what are you going to do differently that your wife does not act like a child? How are you going to bring it to a place where the two of you can discuss things rather than have her throw a childish tantrum like she is now?
Move in that direction from the pointers that I have given you and there's bound to be some change; but not overnight...it's going to take some time, so be patient!

All the best!
Anu Krishna
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Mutual Funds, Financial Planning Expert - Answered on Dec 10, 2024

Asked by Anonymous - Dec 10, 2024Hindi
Money
Iam retired state govt employee I will draw pension of Rs.58000 and will get lumsum of 5600000 beside I will get rent of 75000. Housing loan of 4000000 and 1500000 gold loan EMI is 61500 including Insurance. Suggest whether I should clear the entire loans or invest properly
Ans: You have a clear income and debt structure. A pension of Rs. 58,000, rental income of Rs. 75,000, and a lump sum of Rs. 56 lakhs provide robust cash inflow. On the other side, you have two significant loans—a housing loan of Rs. 40 lakhs and a gold loan of Rs. 15 lakhs. Your monthly EMI of Rs. 61,500, including insurance, impacts your cash flow.

The decision to clear loans or invest requires analyzing multiple angles. Let's evaluate step by step.

Evaluating Loan Repayment
1. Interest Rates Analysis

Housing loans usually have lower interest rates, especially for retired government employees.
Gold loans generally carry higher interest rates than housing loans.
2. Tax Benefits

Housing loans provide tax deductions under Section 80C and 24(b).
Repaying the housing loan entirely removes this tax advantage.
3. Financial Comfort

Continuing EMIs ensures liquidity for other goals.
Clearing loans offers peace of mind and reduces financial obligations.
Investing the Lump Sum
1. Diversification for Safety and Growth

Divide the Rs. 56 lakhs into debt and equity investments.
Debt investments ensure safety and regular income.
Equity investments can provide long-term growth potential.
2. Focus on Debt-Free Retirement

Allocate funds to secure essential expenses post-retirement.
Retaining liquidity helps manage unforeseen expenses.
3. Tax-Effective Planning

Tax-efficient investments can optimize post-tax returns.
Consider long-term capital gains taxation for equity mutual funds.
Calculating Cash Flow Balance
1. Income vs. Expenses

Post-retirement income: Rs. 1.33 lakhs (pension + rent).
EMI obligation: Rs. 61,500.
Net disposable income: Rs. 71,500 (excluding insurance).
2. Post-Loans Scenario

Clearing loans reduces your outflows.
A debt-free position increases monthly savings.
Suggested Action Plan
Step 1: Addressing High-Interest Loan
Clear the gold loan as it has higher interest rates.
Reducing this burden improves monthly cash flow.
Step 2: Partial Housing Loan Repayment
Consider a partial prepayment of the housing loan.
This will reduce EMIs and interest outgo.
Step 3: Allocate Remaining Funds to Investments
Create a balanced portfolio with equity and debt investments.
Ensure it aligns with your risk appetite and goals.
Step 4: Emergency Fund Creation
Keep 6–12 months’ expenses as an emergency fund.
Park this amount in a liquid or ultra-short-term debt fund.
Step 5: Insurance and Legacy Planning
Review your insurance coverage for adequacy.
Plan for wealth transfer to ensure family financial security.
Benefits of Investing Through Regular Funds with a Certified Financial Planner
Regular funds provide guided expertise for financial goals.
Certified Financial Planners ensure disciplined investment strategies.
They monitor your portfolio and make necessary adjustments.
Direct funds lack personalized advice, leading to uninformed decisions.

Insights on Index Funds
Index funds mimic market indices but lack active management.
They cannot outperform markets during corrections.
Actively managed funds adapt to market trends for better returns.
Final Insights
Combining debt repayment with smart investments creates financial stability. Clearing the gold loan reduces high-interest liabilities. Partly repaying the housing loan offers balance between liquidity and debt reduction. Investing the remaining lump sum ensures future growth and income stability.

Collaborating with a Certified Financial Planner ensures tailored financial strategies. Their expertise aligns your financial decisions with long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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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