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Ulhas Joshi |279 Answers |Ask -Follow

Mutual Fund Expert - Answered on Jan 10, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more

Question by Dharmendra on Jan 10, 2024Hindi

Money

16k in MF From 2022 Nippon Small cap 3k HDFC L&M 2K SBI Contra 2k SBI Focused 1k ICICI L&M 2K Kotak emerging 2k Kotak manufacturing 2k HDFC Flexi cap 2k Now give suggestions regarding correction and adding of 10 K extra pm

Ans: Hello Dharmendra and thanks for writing to me. You have created a diversified mix of equity funds to invest in and you can consider stepping up your investments in the same schemes, instead of adding newer schemes.

I am assuming that you are looking to invest for a long term horizon and are fine with taking the risks associated with equities.

If you share other details like your time horizon, your risk appetite and goals, I may recommend other schemes or changing your allocation mix to suit your own goals.

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 06, 2022

Question by P - Dec 06, 2022Hindi

Money

I have been investing in MF from last 5 years via SIP regularly with intermittent top ups. My portfolio consists of{ Mirae Asset Tax Saver Fund Direct-Growth Mirae Asset NYSE FANG+ ETF FoF Direct Nippon India Gilt Securities Fund Direct Tata India Pharma & HealthCare Fund Direct Growth Navi US Total Stock Market FOF Direct - Growth HDFC Mid-Cap Opportunities Direct Plan-Growth ICICI Prudential 50 Nifty Index Direct Plan-Growth Canara Robeco Emerging Equities Fund Direct-Growth Mirae Asset Emerging Bluechip Fund Direct-Growth SBI Banking & Financial Services Fund Direct-Growth IIFL Focused Equity Fund Direct - Growth Motilal Oswal S&P 500 Index Fund Direct-G. Please guide me whether my port2needs any correction.

Ans: Please continue

Hardik Parikh | Answer |Ask -Follow

Tax, Mutual Fund Expert - Answered on Apr 19, 2023

Question by Surya - Mar 21, 2023Hindi

Money

Hi, I am investing 24,000 as a SIP in following MF schemes since 2020. 1. HDFC Taxsaver - 5000 2. HDFC retirement saving - 2000 3. Mirae asset large cap fund - 3000 4. Axis small cap fund - 2000 5. Axis mid cap fund - 2000 6. Axis bluechip fund - 2000 7. Franklin india feeder - US Opp fund - 2000 8. Quant active fund - 3000 9. Parag Parikh flexi cap fund - 3000 Please advise if I need to make any adjustments. I want to make corpus of 1 CR by 2030.

Ans: Dear Surya,

It's great to see that you've been disciplined with your investments since 2020. Your portfolio comprises a mix of tax-saving, retirement, large-cap, mid-cap, small-cap, and international funds, which is a good sign of diversification.

Considering your goal of accumulating a corpus of â‚¹1 crore by 2030, let's look at your current investment approach and see if any adjustments are needed.

First, let's assume an average annual return of 12% on your investments, which is reasonable for equity-oriented mutual funds in the long term. With your current monthly SIP of â‚¹24,000, you will have invested â‚¹2,88,000 annually. By 2030, which is 7 years away, you would have invested â‚¹20,16,000 in total.

Using the assumed 12% annual return, the future value of your investment by 2030 would be approximately â‚¹33,38,000. This is significantly short of your â‚¹1 crore goal.

To achieve your target, you would need to increase your monthly SIP amount. Here's what you can do:

Review your financial situation and identify any areas where you can increase your monthly investments. You may need to invest around â‚¹50,000 per month to achieve â‚¹1 crore by 2030, assuming the same 12% annual return.
Reassess your portfolio and its asset allocation. While your current allocation seems well-diversified, it's important to ensure that it's aligned with your risk tolerance and investment horizon. You may need to make some changes to improve the potential for higher returns. Consider discussing this with a financial advisor to ensure your portfolio is optimized for your goals.
Regularly review your investments and their performance. It's essential to keep track of how your mutual funds are performing compared to their benchmark indices and peers. If you find any underperformers, consider replacing them with better-performing alternatives.
Remember that investing is a long-term journey and requires patience, discipline, and regular reviews. It's important to stay committed to your investment plan and make adjustments as needed to reach your financial goals.

Wishing you the best on your journey to â‚¹1 crore by 2030!

Warm regards,

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Pushpa R |21 Answers |Ask -Follow

Yoga, Mindfulness Expert - Answered on Oct 25, 2024

Asked by Anonymous - Oct 24, 2024Hindi

Health

Resected Madam, I am a 72 years male . I had undergone left hemicolectomy with diversion ileostomy ( open "Surgery" )for carcinoma descending colon on 23 March,2024 and the stoma closure was done on 17th July,2024. As per the consultant Oncologist the carcinoma was localized , did not spread to other parts of the body and I was not advised to undergone chemotherapy etc for the same reason. Kindly advise which Yoga postures I can practice now to ease constipation and also the yoga postures I must not / avoid now. With Kind Regards,

Ans: After your surgery, gentle yoga postures can help ease constipation and improve digestion. Start with simple poses like Pawanmuktasana (Wind-Relieving Pose), which can relieve gas and promote bowel movements. Lie on your back, hug one knee to your chest, and gently press it down to your abdomen, then switch legs. Practicing Supta Baddha Konasana (Reclining Bound Angle Pose) can also be very calming and helps stimulate digestion. Breathe deeply and allow your body to relax fully.

However, avoid intense twisting poses (like Ardha Matsyendrasana) and deep forward bends as these may strain your abdominal area. Also, postpone advanced poses or any practice that puts pressure on your core until you’ve fully regained strength and mobility.

Consulting a certified yoga coach is essential to ensure you perform these poses safely, especially after surgery. A coach can help you adapt postures to your current needs and gradually increase the intensity as you progress.

Warm Regards,
R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Sep 18, 2024Hindi

Career

I worked in construction in 6 different countries as a steel structure erection specialist. I am 60 years old. I am healthy and fit looking for same job @ abroad.

Ans: Dear Sir, Most recruiters tend to overlook candidates who are over the age of 50-55 when considering new hires for their companies. You can still consider applying via LinkedIn, or you might want to reach out directly to organizations in countries across the Middle East, Africa, and South East Asia. Alternatively, you may consider pursuing opportunities as a contractor in India. Consider reaching out to individuals you have collaborated with previously via the networks you engage with. All the BEST for Your Prosperous Future, Sir.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Question by Pramod - Oct 08, 2024Hindi

Career

Good evening sir, As I am working in cement company for many years but in recent I am working in JK super cement since last 5 years at the post of ASM and my age is 45 years can I switch to other cement company

Ans: Yes Promod Sir, you can. By seeking for a senior position, you can, indeed. The first and greatest place to apply for a new job is LinkedIn. Create a powerful and polished LinkedIn profile that showcases your accomplishments over the previous five years. You can either search for a suitable job or set up job alerts to receive notifications. The reputable Cement Industries even accepts direct applications by email from their websites. When applying for jobs, you should have a professionally polished and updated resume. Watch some of my resume-building and other helpful videos on YouTube at edujob360 if you have the time. And please continue with JK Cement till you get a confirmed better offer. All the BEST for Your Prosperous Future.

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Dr Chandrakant Lahariya |93 Answers |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 25, 2024

Question by Amol - Oct 20, 2024Hindi

Health

Dear Sir, I am at prediabetic stage and as reffered by doctor I am taking daily 1 tablet of metformin 500 mg. My PP sugar level is below 200 and averagely 140 to 170. Should I continue to take tablet.

Ans: Please let me know what are your fasting and Pp blood sugar levels? what is your HbA1c?
Going by current information, you might need atleast twice metformin 500 mg alongside life style modifications. 140 to 170 pp is high and need more medication.

Best,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

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Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 25, 2024

Question by Anil - Oct 20, 2024Hindi

Health

Hi Bikky Sir Will taking a remylin D helps in Hemoglobin? is there any relationship between hemoglobin and diabetes. What is the ideal hemoglobin percentage for men and women

Ans: Not sure if this question is for me (as I am not Bikki) but it appeared for me so I am answering this one.

Remylin D is a multivitamin with alpha lipoic acid etc. It is essentially useful supplement. In diabetes and specially those who are on treatment with Metformin etc, there is change in gut microbiota and deficiency of Vit B12 etc, so such supplements are needed. Specially those taking metformin should take such multi-vitamins.

So, Remylin D or any similar multivitamin is not a treatment of diabetes but helpful. This also helps in improving cell size of RBCs and thus treat anemia; it does not benefit in iron deficiency anemia but micro or macrocytic anemias where cell sizes are either big or small.

The other relationship between Hb and diabetes is that people who have low hameoglobin, the HbA1c, a marker for diabetes management is usually underestimated. Therefore, those who are anemic, HbA1c is not a good marker.
For male, haemoglobin should be above 13 gm% and for female above 12gm%

Best,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Nitin Narkhede |28 Answers |Ask -Follow

MF, PF Expert - Answered on Oct 25, 2024

Question by Vijay - Oct 18, 2024Hindi

Money

My name is Vijay,45 yrs with 3 kids.i have zero knowledge about sip and mf.i can invest 75000 per month and looking for long term.kindly suggest sir.

Ans: The first step in your investment journey is to define your goals clearly:
- Children's Education: With your eldest at 15, ensuring funds for higher education is crucial.
- Retirement: Aim for a comfortable retirement by age 60 to enjoy life without financial stress.
- Emergency Fund: Set aside funds for unforeseen expenses, targeting at least six months' living costs.
To make the most of your monthly investment of ?75,000, consider allocating your funds strategically:
- Emergency Fund (?15,000/month): This fund should be easily accessible. Use fixed deposits or liquid mutual funds to ensure your money is safe and available when needed.
- Children's Education (?30,000/month): Invest in a combination of equity and debt mutual funds. Large-cap mutual funds offer stability, while balanced funds provide growth potential. This mix can help your money grow over time while minimizing risk.
Retirement Fund (?30,000/month): Focus on equity mutual funds through Systematic Investment Plans (SIPs). These investments can yield significant growth over the long term, making them ideal for retirement savings.
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Free Webinar https://bit.ly/PLH-Webinar

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Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Oct 25, 2024Hindi

Career

Hello I have completed pcb but I'm interested in tech field. No one said or advice me to take maths or maths is needed for computer science in my school years so how can I persue my studies in technical field And i wanted to stay in my home state in gujrat only for 4 years and afterwards move abroad For masters which is better ms or MBA

Ans: I had already answered to the 1st part of your question i.e. pursuing computer science without Maths. As far as 2nd part of your question is concerned, prefer MS abroad later. All the BEST for Your Prosperous Future.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Oct 22, 2024Hindi

Career

I am a bams graduate currently stuck in a hurricane of multiple career choices suggest me what should I do should I go practice or abroad

Ans: If you prefer immediate hands-on experience and financial independence, starting your practice in India might be the better choice. If you’re passionate about making an impact in Ayurveda and possibly expanding its global reach, pursuing further studies abroad can be valuable. All the BEST for Your Prosperous Future.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Asked by Anonymous - Oct 22, 2024Hindi

Career

Avenues for BSc Honors Botany 3rd year

Ans: Lakshmi, Some of the options for you choose from:

Higher Education and Specialization:
• MSc in Botany or Plant Sciences: Deepens expertise in botany.
• MSc in Environmental Science or Ecology: Expands study to ecosystems, conservation, and biodiversity.
• MSc in Biotechnology or Microbiology: Opens up industrial, research, and healthcare opportunities.
• MBA in Agribusiness or Environmental Management: Combines botany with business skills.
• MSc in Horticulture or Forestry: Specialized programs focused on plant cultivation, forest conservation.

Government Jobs:
• Botanist or Environmental Scientist: Positions in government research bodies.
• Agriculture Officer or Horticulture Officer: Roles in the Department of Agriculture or Horticulture.

Research and Academia:
• Junior Research Fellowships (JRF): Offers stipends to work in research labs, universities, and government projects.
• Teaching in Schools or Colleges: With a Master’s degree, qualified for assistant professor roles or school teaching jobs.
• PhD in Botany or Related Fields: Essential for research-focused careers, teaching in universities, and leading scientific projects.

Industry and Corporate Jobs:
• Biotechnology and Pharmaceutical Companies: Roles in R&D, quality control, and product development.
• Agriculture and Agrochemicals: Roles in research, product development, and quality testing of seeds, pesticides, and fertilizers.
• Environmental Consulting Firms: Roles in environmental impact analysis, pollution control, and biodiversity assessments.

Certificates and Short Courses
• You can consider for Remote Sensing & GIS, Ethnobotany, Plant Tissue Culture, Agriculture Technology, or Bioinformatics.

All the BEST for Your Prosperous Future.

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Nayagam P P |3856 Answers |Ask -Follow

Career Counsellor - Answered on Oct 25, 2024

Question by Lakshmi - Oct 18, 2024Hindi

Career

what to do for completing ESG certified expert

Ans: Hope this information will be helpful to you.
• Choose an ESG Certification Program: GRI offers a Certified Sustainability Professional program.
• CFA Institute Certificate in ESG Investing: Focuses on ESG considerations for investors and financial professionals.
• SASB Fundamentals of Sustainability Accounting (FSA): Offers a certification to analyze ESG data based on industry standards.
• ESG Essentials Certificate by EFFAS: Provides a foundational course for ESG.
• Meet Eligibility Requirements: Most ESG certification programs don't have strict prerequisites, but some require a basic understanding of sustainability concepts.
• Complete Course Modules and Training: Covers core areas such as sustainable finance, ESG regulations, environmental impact assessments, CSR, and sustainable business practices.
• Pass the Exam: Certification exams test understanding of ESG principles, real-world application, and ability to analyze and implement ESG factors.
• Stay Updated with Continuing Education: Some certifications require ongoing education or recertification.
• Popular ESG Certifications with Details: CFA Certificate in ESG Investing, GRI Standards Certified Course, SASB’s FSA Credential, and University of Cambridge Institute for Sustainability Leadership. All the BEST for Your Prosperous Future.

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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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