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Samraat Jadhav |2083 Answers |Ask -Follow

Stock Market Expert - Answered on Jul 17, 2023

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Question by sujay on Jul 15, 2023Hindi

Money

i have 1100 shares of sw solar @478 so please suggest what will the future of share price

Ans: it can reach around 500 but you need to hold for 3yrs atleast. there is a growth in net profit but company is not able to generate net cash

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. 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.

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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Samraat Jadhav |2083 Answers |Ask -Follow

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Question by Sunil - Jun 16, 2023Hindi

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I hold quess corp shares 50 nos at 790 rs each value, what is the future in coming year

Ans: FII and MFs decreased their shareholding last quarter
Decline in Net Profit with falling Profit Margin (QoQ)
Decline in Quarterly Net Profit with falling Profit Margin (YoY)
The next quarter should be good for this company so hold as of now, but 790 is difficult price in next 2yrs also.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. 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.

Samraat Jadhav |2083 Answers |Ask -Follow

Stock Market Expert - Answered on Aug 07, 2023

Question by sumit - Aug 05, 2023Hindi

Money

I have 1000 shares of sequent scientific @Rs.115 per share, What is the future of this share ?

Ans: Poor cash generated from core business - Declining Cash Flow from Operations for last 2 years
Decline in Net Profit with falling Profit Margin (QoQ)
Decline in Quarterly Net Profit with falling Profit Margin (YoY)
Declining profits every quarter for the past 2 quarters
The above data has to be changed, not generating profits is not a good sign. 115 is a difficult number but nearby that please exit.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. 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.

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Nov 22, 2023

Question by Kunwar - Sep 11, 2023Hindi

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I have Tata steel 1000 shares@125/share, I can hold for 2 year, what is the future ?

Samraat Jadhav |2083 Answers |Ask -Follow

Stock Market Expert - Answered on Feb 10, 2024

Asked by Anonymous - Feb 09, 2024Hindi

Money

I have 550 shares of UPL at 465 qhat is the future prospects considering 2 years investment?

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 profits every quarter for the past 4 quarters
Total Chemical industry is in problem due to low margins and China dumping low prices products. Would suggest to exit and invest in some other upcoming sectors.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. 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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Milind Vadjikar |554 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Question by Sudhanshu - Oct 31, 2024Hindi

Money

I am an ex government employee aged 53working in private sector now .I have savings in mf of 1.25 cr .equity 80 lacs.epf of 30 lacs .Real estate of 90 lacs in Pune which I want to sell. Salary is 3 lacs per month .pension is 1 lac .i plan to buy a house in Delhi which would be 2.25cr.further expenses mba of son after two years and daughter education and marriage after 8 years Please advise

Ans: Hello;

Following can be earmarked towards house purchase in Delhi(2.25 Cr):

1. Sale of RE property worth 90 L.

2. EPF balance of 30 L.

3. Direct stocks worth 80 L.

4. Part of MF balance worth 25 L.

Balance 1 Cr corpus in MFs will grow 1.25 in 2 years time frame.

50 L maybe allocated for son's higher education.

Balance 75 L may remain in mutual funds for additional 5 years.

Also you may begin a monthly sip of 2 L into a combination of pure equity mutual funds for 7 years duration.

The 75 L lumpsum and 2 L monthly sip will grow into sums of 1.32 Cr & 2.64 Cr respectively.

Hence your total corpus would be 3.96 Cr

You may utilise ~ 1 Cr for daughter's education and marriage.

If you utilise the balance 3 Cr to buy an immediate annuity from a life insurance company, you may expect a monthly income of 1.10 L(post tax).

This alongwith your monthly pension of 1 L will lead to a comprehensive retirement monthly income of 2.1 L.

Happy Investing;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Asked by Anonymous - Oct 25, 2024Hindi

Money

Hi, I am 43y male. My wife is a homemaker. I currently have around 10Lacs saving. One own flat with current market value of Rs 1.3Cr A outstanding loan balance of Rs 30Lacs I have my own business and earn about 2Lacs per month and total monthly expenses are around 1.5-1.7Lacs including the bank EMIs. Kids (both girl) in 3rd and 1st standard. Saving around 20k per month for both kids in their sukanya account. What should be my financial strategy to retire in next 10 years

Ans: Hello;

Since you have less time available (10 yr) for building retirement corpus, monthly sip amount required will be high but that doesn't seem feasible with your current income and expenses.

What is the networth of your business as on today? Can you plan to sell it over the next 10 years to fund your retirement corpus?

If you make 30 K monthly sip you may expect to a build a corpus of 3 Cr in 20 years considering modest return of 12% from pure equity mutual funds.

Feel free to revert.

Happy Investing;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Question by ajaykumar - Nov 02, 2024Hindi

Money

I have taken parents health insurance in office coverage is 1 lack base and top up is 3lacks and premium is 38.5k. Since im paying more for less coverage planning to take outside. Taken care supreme with rider for mother which doesn't have waiting period. Father has gone through heart surgery no insurnace is willing to give the insurnace except care heart with the waiting period 2 years and co pay 20% and consumables will not be covered and heart related will not be covered. For both mother and father i need to pay 5k per month for care insurnace. Its like a burden paying office insurnace 38.5k and outside 60k . What should i do, I'm really confused to take outside health insurance or not. Cannot stop office insurnace since it does take have waiting period for parents. Please help me

Ans: Hello;

What is the current age of your mother and father?

Based on your reply I may be able to guide you suitably.

Best wishes;

Milind Vadjikar |554 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Asked by Anonymous - Oct 25, 2024Hindi

Money

If I become unemployed But I wanted to get a monthly income through swp or fixed . What will be my planning for future? Home many money need for 2 person in future?

Ans: Hello;

What is your current age and income?

Do you have any investments?

Are you eligible for statutory pension?

Kindly provide answers to these queries so that we can respond to you appropriately.

Best wishes;

Milind Vadjikar |554 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Asked by Anonymous - Oct 28, 2024Hindi

Money

I am a mba student specializing in finance. as part of my capstone project, i am supposed to identify the top pain points of investors as well as mutual fund distributors. Any help in giving out the top pain points will help me to research better. Thanks in advance !

Ans: Hello;

Abundant resources are available online which would serve as a starting point for your research work.

The mandate of this platform prohibits us to elaborate on matters other then investor queries.

Thank you for your kind understanding and best wishes for your project;

Milind Vadjikar |554 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Asked by Anonymous - Nov 01, 2024Hindi

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is debit fund or bank fixed amount safe for retired person

Ans: Hello;

For retired person, it would be better to opt for FDs of big government banks/time deposits of Post Deptt instead of debt mutual funds.

Happy Investing;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Question by KP - Nov 01, 2024Hindi

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Considering the global situation, including war, economic downturns, and job losses in various countries, is it advisable to exit from stock market investments now, or is it the right time to accumulate? I have invested in both Indian and foreign stocks, and I am a bit worried about my money. I had a long term plan in mind while investing. Please suggest.

Ans: Hello;

This is exactly the reason why we advocate investing through mutual funds and leave the headache of managing market volatility to the fund manager.

Most seasoned investors get damn scared of sudden black swan events and the massive erosion in wealth, albeit notional, takes a toll on their health which is worse the notional money loss.

Being disciplined, systematic and objective in your investments pays you highly.

Tactical asset allocation should be utilised only by skilled and experienced investors because most common people and even some experts find it difficult to predict future market movements.

If your horizon is long term then no need to get bogged down.

Alternatively start systematic investments in mutual funds through regular SIPs.

Happy Investing;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Asked by Anonymous - Oct 31, 2024Hindi

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is it wise to safeguard your money in debt fund or fixed deposit. I am retired 62 years

Ans: Hello;

Considering your age it would be better to opt for FDs of big government banks/time deposits of Post Deptt.

Happy Investing;

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Question by Pramod - Oct 31, 2024Hindi

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I'am 50 years old and have a total cash saving of 23 lakh out of which 6 lakh is in FD. Out of the remaining 17 lakh, how much should i put in PPF or NSC as a lumpsum?

Ans: Hello;

You may invest your corpus in NSC and expect it to grow into a sum of 24.63 L after 5 years, at current interest rate of 7.7%.

Happy Investing;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 02, 2024

Asked by Anonymous - Nov 02, 2024Hindi

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what will be the future of Standard Capital Market. Ltd? What will be the target price of this stock for next five years?

Ans: Hello;

Honestly I do not think this company has any bright future.

My advice would be to avoid such junk stocks.

Best wishes;

See more questions »

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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