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Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on May 18, 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

Asked by Anonymous - May 10, 2023Hindi

Money

I have 1000 ITC shares @242. Should I sell or hold?

Ans: hold it and enjoy the compounding !! also enjoy the dividend !!

Disclaimer: Views expressed here are for your understanding and analysis. pl speak to your financial advisor before taking any decision.

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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Career Counsellor - Answered on Dec 19, 2024

Question by Uma - Dec 13, 2024Hindi

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Hello sir, i completed my BE in civil at 2014 and worked for 2and a half years as gest lecturer and then am married n settled in mumbai. Now am interested to go for job ,in which area i should prefer like civil construction side, lecturing side r any admin jobs. Willing to work in mumbai. Plz reply sir.

Ans: Without at least M.Tech in teaching your future won't flourish. I won't suggest construction sites. So try for admin job and do an online MBA in your preferred branch. Improve your English. Best of luck. Just follow me. May God Bless You. Professor...............:)

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Asked by Anonymous - Nov 30, 2024Hindi

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Sir I am studying mechanical engineering at bvb hubli but I want to join mit usa for mechanical engineering.i took loan for my studies ...should I study for engineering and asat for mit or only concentrate on engineering...please help me sir , because my family financially very poor I don't want my parents to struggle for my wishes and goals....but I want to be a best mechanical engineering

Ans: MIT ( Boston) is having world ranking 1 and fees are very high and acceptance criteria is very very low. So drop this fantasy and try for other universities of USA. Now a days in 99% US universities there is no funding in the 1st semester. If your financial condition is very poor then drop the plan of MS from USA right now. Complete your Mechanical Engg, save substantial amount and then try. Even in India you can prove yourself as one of the best Mechanical Engineers. The formula for being the best is that if you are assigned 'X' amount of work just do slightly extra than 'X'. Best of luck. Just follow me. May God Bless You. Professor...............:)

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Question by Kajal - Dec 18, 2024Hindi

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Hello sir meea bal n padh rha h maine bahut sara tel lagaye pr kuchh n hua

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Asked by Anonymous - Dec 19, 2024Hindi

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Doctor, my younger sister, who is 14 years old, had an accident in the kitchen a few months ago and suffered second-degree burns on her arm and shoulder. While her wounds have healed, the scars are still very visible, and it’s starting to affect her confidence. She avoids wearing sleeveless clothes and feels conscious even around close family members. Can burn marks be fixed with cosmetic surgery? She is only 14 now. Will it completely remove the scars? Will it be a painful surgery?

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Asked by Anonymous - Dec 19, 2024Hindi

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I have a 7-year-old boy who thinks he’s a superhero (and honestly, he’s got the energy for it). The thing is, he’s constantly on the move—running, jumping, climbing—you name it. While I love his enthusiasm, his teachers have mentioned that he’s having trouble sitting still and focusing in class. I don’t want to stifle his energy, but I also don’t want him to struggle academically. Any practical advice would be great!

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Asked by Anonymous - Dec 19, 2024Hindi

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I have taken a group health insurance policy from a bank where I have a saving account five years ago without any medical checkup. I have not availed any claim and there was no preexisting disease. I am taking 5 mg of prednisolone daily for last five years for a skin disease. Will this affect my future claim if arises any? I am worried about this .

Ans: Hello;

Insurance is an understanding that works on mutual trust.

You need to make appropriate disclosures before signing up and also before renewal, if you were diagnosed with any major illness/medical condition.

Please inform the insurance company about this before next renewal.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Question by Rohan - Dec 19, 2024Hindi

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Dear Sir, i am 48 year old, kindly suggest some good plan to invest, i can invest roughly around 30000 for next 1 years with increase of 10% every year for next 7 years. I am looking for 1 crore to 3 crore saving. Till i reach 55 years, Would like to save for pension also suggest me good pension return plan

Ans: Hello;

An investment of 30 K with 10% top-up each year will be required to be continued for 10 years minimum to reach a corpus of 1 Cr(12% return considered from pure equity mutual funds).

You may invest in a combination of flexicap mutual fund and a Large and Midcap type mutual fund in proportion of 50:50.

For pension you may invest in NPS with active choice and maximum possible equity allocation. Contributions can continue upto 70 age.

Happy Investing;
X: @mars_invest

Asked on - Dec 19, 2024 | Answered on Dec 19, 2024

Sir, I am ok with a 10 Year time frame, Can u suggest choice of Felxicap / large and mid cap MF,

Ans: Hello;
You may choose any fund from the top quartile in these categories. We are forbidden to take names as per mandate of this forum.

Happy Investing

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Question by Sakshi - Dec 18, 2024Hindi

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what should i choose vit vellore or da iict gndhinagar for msc data science

Ans: HI Sakshi.
If you are financially sound, then you should prefer IICT Gandhinagar, which provides better career prospects and practical skills relevant to the field of Data Science than VIT Vellore. However, this does not mean that VIT is not a better choice. If VIT is nearer to your home town and easily accessible, then you may opt for it. But if distance, money are not issues., then preferably go with IICT Gandhinagar.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Question by srinivasarao - Dec 18, 2024Hindi

Money

I have paid 60% forNew Ipo I am unable to remaining 40% in sebi registration company. They r telling 100% should paid. What happened if not paid

Ans: Hello;

Nowadays payment for IPO allotment is through the process of ASBA(Application Supported by Blocked Amount) wherein funds needed to finance your IPO application are blocked.

If the funds are not enough the application will not go through.

Their no fine or penalty but it may affect your reputation with the bank/broker.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Dec 19, 2024

Asked by Anonymous - Dec 17, 2024Hindi

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Hello Milind Sir, On the EPF portal, my bank account is my salary account. This account is a joint account with my younger brother. I am a male too. Will this joint account be a problem when I try to withdraw my EPF corpus? I heard only joint account with spouse is allowed for withdrawal apart from single holder account. Should I convert this joint account to a single holder account immediately now or do it after I resign/retire when I want to withdraw the EPF corpus?

Ans: Hello;

It is advisable to convert the bank account to a single holder account as early as possible.

Best wishes;

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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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