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Samraat Jadhav |2104 Answers |Ask -Follow

Stock Market Expert - Answered on May 30, 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

Asked by Anonymous - May 30, 2023Hindi

Money

I have 20 Shae of Jublingrea of Rs.665. please advice

Ans: EXIT

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. 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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i have Yes bank 30,000 shared @ Rs. 15 what to do?

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i have 260 qnty of yes bank @35.11 i can wait for 2-3 years. Pls suggest

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Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Question by Sachin - Jul 17, 2024Hindi

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have mutual fund of 1cr and equity of 60 lacs Fd of 35 lacs,pf 18.5 lac income of amount 1lacs per month my age 40.At 50 age I need 5 cr.please suggest

Ans: Let’s evaluate your current financial situation and create a plan to achieve your goal of Rs 5 crore by age 50.

Current Financial Overview
Mutual Funds: Rs 1 crore

Equity: Rs 60 lakh

Fixed Deposits (FD): Rs 35 lakh

Provident Fund (PF): Rs 18.5 lakh

Monthly Income: Rs 1 lakh

Investment Goal
Target Amount: Rs 5 crore

Time Horizon: 10 years

Assessing Current Portfolio
1. Mutual Funds:

You have a substantial investment in mutual funds.

Ensure a mix of equity and debt funds for balanced growth.

2. Equity Investments:

Diversify across sectors and industries.

Invest in fundamentally strong companies.

3. Fixed Deposits:

Low-risk and stable returns.

Reinvest the interest for compounding benefits.

4. Provident Fund:

Provides safe and tax-efficient returns.
Recommendations to Achieve Rs 5 Crore
1. Enhance Equity Investments:

Increase your equity exposure for higher returns.

Focus on large-cap and mid-cap stocks.

Regularly review and adjust your portfolio.

2. SIP in Mutual Funds:

Invest in actively managed funds through SIPs.

Choose funds with a strong track record and experienced managers.

Regular SIPs can help in rupee cost averaging.

3. Diversify Mutual Funds:

Include a mix of large-cap, mid-cap, and sectoral funds.

Diversification reduces risk and enhances returns.

4. Reinvest Fixed Deposit Interest:

Reinvest the interest from FDs to maximize growth.

Consider breaking FDs into smaller amounts for better liquidity.

5. Monitor and Rebalance Portfolio:

Regularly review your investment performance.

Rebalance your portfolio to align with your goals.

6. Increase Monthly Investments:

Save and invest a portion of your monthly income.

Consider increasing your SIP amounts annually.

7. Avoid Direct Funds:

Direct funds lack professional guidance.

Regular funds through MFDs offer better insights and management.

8. Avoid Index Funds:

Index funds are passive and may not meet your growth targets.

Actively managed funds aim to outperform the market.

Risk Management
1. Insurance Coverage:

Ensure adequate life and health insurance.

Protects your family and financial goals.

2. Emergency Fund:

Maintain a separate emergency fund.

Covers unexpected expenses without disrupting investments.

Tax Planning
1. Utilize Tax Benefits:

Invest in tax-saving instruments like ELSS.

Maximize benefits under Section 80C and 80D.

2. Efficient Withdrawal Strategy:

Plan withdrawals from investments to minimize tax liability.
Final Insights
To reach Rs 5 crore in 10 years, enhance equity investments, diversify mutual funds, and increase SIP amounts. Regularly review and rebalance your portfolio. Avoid direct funds and index funds. Utilize tax-saving options and maintain adequate insurance coverage.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Please suggest the most demanding &scopeful undergraduate engineering course to join at NUS singapore ,sir

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My wife is diabetic since long. Currently she takes 12 units insulin inj, 3 GP2 pills and 1 Remo V every day. She now needs knee (cartilage) replacement. Can she benefit by taking collagen? How long will it take to repair? Will there be any side effects of collagen?

Ans: Collagen supplements might be beneficial for your wife's knee cartilage health. Collagen is a key component of cartilage, and studies suggest that taking collagen supplements can help improve joint pain and function. However, it's important to consult with her doctor before starting any new supplement, especially considering her diabetes and current medications. The benefits may vary from person to person. Collagen supplements are generally considered safe, but they can cause mild side effects such as digestive discomfort.

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Asked by Anonymous - Nov 27, 2024Hindi

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I am 35. I have recently recovered from dengue. My platelets had dropped to 20,000 last week. Now it is 1,50,000. I am still on medication. Should I consume papaya leaf juice to increase platelet count? What foods should I eat to increase platelets? What should I avoid? Please help.

Ans: I'm glad to hear that your platelet count has improved!. Papaya leaf juice stimulates the bone marrow to produce more platelets so you can try adding it to your diet, but it's always best to consult your doctor before starting any new remedy. To increase your platelet count add Vitamin B12-rich foods like eggs, salmon, and tuna; folate-rich foods like leafy greens like spinach, beans, and citrus fruits like oranges and lemons. Include iron-rich foods like beef, lentils, etc. Certain foods that can lower your platelet count include alcohol and cranberry juice.

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Dietician, Diabetes Expert - Answered on Dec 06, 2024

Asked by Anonymous - Nov 27, 2024Hindi

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I am 38, non-diabetic, no illnesses. I used to have beautiful, thick hair. However, I have noticed hair fall and dandruff issues in the last two years. I have switched to paraben-free shampoos but I am still losing hair every day. What changes can I make in my diet to reduce hair fall?

Ans: I'm sorry to hear about your hair concerns. You can make some dietary changes that might help reduce hair fall by including nutrient-rich foods rich in iron ,e.g. spinach, which is essential for healthy hair growth, omega-3 fatty acids that promote hair health, e.g. salmon, foods like eggs which are high in protein and biotin, nuts and seeds which provide essential fatty acids, vitamins, and minerals, Vit E and healthy fats from foods e.g. avocados and foods high in beta-carotene, which the body converts to vitamin A, promoting a healthy scalp.

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Question by Sumukh - Dec 02, 2024Hindi

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Hey Komal Good morning , is Monkfruit a better sweetener than Stevia? can Palm Sugar be used in tea/coffee ?

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Plastic-Aesthetic Surgeon, Emergency Care Consultant - Answered on Dec 05, 2024

Asked by Anonymous - Dec 05, 2024Hindi

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Dear Doctor, I work as a corporate lawyer in Delhi. I’ve been considering undergoing a cosmetic procedure for my skin for some time now, but I’m feeling a bit overwhelmed by the number of surgeons available. I want to ensure that I choose someone who is experienced, as this is a big decision for me. Could you advise what I should look for when selecting a plastic-aesthetic surgeon? Are there any specific red flags I should be aware of when researching potential surgeons? I want to make sure I’m in safe hands. I’m 40 years old.

Ans: This is a beautiful question.
Before I dwell on your question, there are a few points which are very important for the patient to know.
1. You should roughly know what result you wish to have.
2. Never think of a perfect result. There is no such result.
3. You must think in terms of improvement and if you are sble to achieve more than 90% approx, it can be considred good.
4. Dont compare your results with any celebrity's result. There body structure is different, they have probably taken better care till now and importantly, the result you see on a public platform is after make up and not the real result. Some times it may be a photoshopped image
5. Let your doctor know if you have any medical history and addictions.
6. Don't go with pre concieved notion (especially if you have researched a lot online). Discuss with the doctor, listen to his/ her views and raise your concerns if any
7. Try and see some results of the doctors work (Remember, too good a result may not be the true result). Realistic result is what you should want to look at and believe.
8. Don't fall for less budget! its obvious a meticulous job needs more surgical time. This means that the doctor may charge more. Seniority also adds to the cost.
What I mean, there is a price to be paid for a good job.(whether medical or anywhere).
Now coming to the Plastic surgeon's choice.
1. Research well, but dont fall prey to only advertisement. Small and big centers, both advertise,
2. Dont fall for glamour. You are going to a surgeon. A plastic surgeon's clinic is clean but not lavish generally. At least I believe that the person coming is not a client, but a patient. A patient - Doctor relationship is more pure than a client-Professional relationship.
3. Talk and discuss with the doctor. A too busy doctor may not always be the best doctor for you. Plastic surgery is about thinking, planning and execution. A doctor who thinks aloud about your problem ( especially if ut us face, nose, breast etc) is applying his/ her knowledge for your betterment, because every oerson is different.
4. Check the resilts? Look for genuinity.
5. Be wary of arrogant, loud and boisterous people. There is a difference between confidence and fambloyence.
6. Doctors who are attached to reputed hospitals are generally good in their work.
7. A doctor who can talk about probable complications is also a doctor worth trusting.
I hope I am able to do justice to this difficult question. All the best. You can write again if you need any other clarifications.
Dr. Anshuman Manaswi

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Asked by Anonymous - Dec 05, 2024Hindi

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My son who is now at 12 standardard want join NUS singapore for the upcoming 2025 Applications are now open We want to know the most demanded course at NUS singapore We are in confusion to choose computer science or Computer engineering Which is better for good scope in future.please suggest for choice filling

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Best wishes for your Son

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IIT-JEE, GATE Expert - Answered on Dec 05, 2024

Asked by Anonymous - Dec 05, 2024Hindi

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Hi, I am B.Tech ECE student working in IT as Automation Engineer for the past 4+ years. Currently my company is providing M.Tech in VLSI design and Microelectronics as an integrated program from BITS Pilani. Should I opt for it or should I upskill in other platforms which is related to my work profile?

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Pls join the course.
Best of luck

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Question by Suneetha - Dec 05, 2024Hindi

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What are the best integrated courses for Engineering in India, and what are the best recruiting jobs for future in 2030 for Engineering graduates?

Ans: There are more than ten institutes where integrated engineering degrees can be pursued. Some of them are even IITs. Just for detail search in net. For 2030 nothing can be predicted now. Best of luck. Just follow me. MAY GOD BLESS YOU. Professor.................................:)

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Mutual Funds, Financial Planning Expert - Answered on Dec 05, 2024

Question by Kevin - Dec 05, 2024Hindi

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If i am fresher i am earning up to 40 60k a month and I don’t have own house how to buy own first house

Ans: As a fresher earning ?40–60K per month, focus on building a financial foundation first. Prioritize savings and investments through mutual funds to grow wealth and achieve other essential goals. Avoid buying a house immediately, as taking a home loan at this stage could strain your finances. Once you've built a substantial corpus and ensured financial stability, you can plan for a house purchase without undue stress.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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