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Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on May 11, 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

Question by Satyanarayan on Mar 21, 2023Hindi

Money

I have 200 shares of LUPIN @ 1120, what should be the strategy?

Ans: Sell, and buy a growth oriented stock.

please note : Investing strategies depends on your risk appetitive, so Please consult your financial advisor and then take further 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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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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Sir I have 200 shares of Lupin on an average price of 850/= Per share.Can i hold this or exit now in loss and invest some other shares.

Ans: Lupin has not created wealth since many years. its a SELL.

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I’m 36 year old female, I have fallen in love with a friend, we are compatible on all levels. Physically as well as mentally attracted to each other. But he says he doesn’t have those feelings for me. What should I do ? Should I continue talking to him as a friend in hopes that his feelings will change in the future or should I break contact and move on with my life ? What should

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Hi, I am a 40 year old man. I had been freelancing for the past 8 years but now I hardly have any work as AI has rendered my skills redundant. To address this situation I took the decision to change my career and thus have enrolled in a data analytics certification course. While I am aware that I'll be considered as a fresher, I am worried how I would fare in the job market, especially when the other applicants would be half my age. Is it too late to make a change? Would I be able to secure a job in an entirely new but booming domain at this age?

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Dear Sir My last employer has shared me Certificate of Employment on my mail id after serving notice period and approval of resignation, and when I asked them if I should expect seperate document as experience and relieving letter they replied same document i.e certificate of employment will serve as both relieving and experience letter. so sir kindly confirm if it's correct or will I face any issues in future with this document? Note: this certificate of employment clearly says I worked from xyz date to abc date and it says I have been relieved from the services from close hours of abc date And in bottom it's mentioned : as per your contract of employment you will be bound by non- compete, solicition, non disclosure etc I am worried why my last employer have me certificate of employment instead of relieving letter and will it affect me in future?

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The document shared is good enough.

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Turning 29 soon. Done with my MA in Eonomics. Fustrated not getting a job.... applied in alot of places but finiding no success. Feeling lost at times. Dont know what direction to take. Pls advise!!

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Post MA Economics you have multiple path, either as a teacher or as a reseracher in organisation. However may sugget you take up some additional courses. In case you are interested in teaching go for B.Ed ... In case you are interested in research side then M.Phil or Phs would be better.

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Asked by Anonymous - Apr 19, 2024Hindi

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Im 49 years old i worked as a teacher in a private unaided school in Telangana Medchal Mandal for the past 24 years.I started my career in teaching in this school since 1998 -2024 March 15. I was asked to quit the school since the new management wanted to have teachers according to their whims and fancies. I worked for her parents when the parents died the property was divided among her daughters finally the elder one cornered it she didn't want the old staff to work and wanted to appoint new staff. When my old correspondent (her mother) when we asked for PF she assured i can't insure right now because i should have done right at the inception of the school so i promise to pay good will when you leave the school for the service rendered towards the school unfortunately she too died in 2021 then her daughter present correspondent didn't even do any favour Unfortunate thing i worked for such an institution there i had not facilities of PF . I served so loyally for this institution as a token of gratitude to my service.they didn't pay anything. Finding a job in other institution they doubt over long standing experience in one school and owing my age they are hesitant to offer a job i have attended few interviews in school . I'm running pillar to post to find a job to support myself. Im helpless and desperate don't know what to do. Please help mem

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I can understand what you must be feeling to go through this stage of life.

May I suggest you start with taking private tutions, given your rich experience in teaching I am sure you will make positive impact in the lives of students. Initially you may find it difficult ... but as you take steps...over the period a good path would be laid.

Believe in yourself...I am sure you will do it good.

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Asked by Anonymous - May 12, 2024Hindi

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From April 2024 I ve started a SIP of 4 lacs each in ICIC pru index, 4.5 L in Parag Parikh Flexicap & 1.5 L Nippon India small cap( all 3 growth plans) . My age is 46 & I want to build a solid corpus of over 25 crore over the next 9-10 yrs until I retire. Do u suggest any changes or addition in the number of funds.

Ans: Your commitment to SIPs reflects a proactive approach towards building wealth for your retirement, and your choice of funds demonstrates a well-diversified portfolio. Let's evaluate your current strategy and suggest potential adjustments to align with your ambitious goal of accumulating over 25 crores in the next 9-10 years.

Assessing Current Portfolio Allocation
Your current SIP allocation comprises investments in ICICI Pru Index, Parag Parikh Flexicap, and Nippon India Small Cap funds, each with varying risk profiles and growth potential. While index funds offer stability, flexicap funds provide diversification, and small-cap funds aim for higher growth.

Considering Risk and Return Profile
Given your age of 46 and the relatively short investment horizon until retirement, it's crucial to strike a balance between risk and return. As you approach retirement, preserving capital becomes paramount, necessitating a gradual shift towards more conservative investments.

Potential Adjustments and Additions
Diversification: Consider diversifying further by adding exposure to other asset classes like debt or balanced funds to mitigate overall portfolio risk. Debt funds provide stability, while balanced funds offer a mix of equity and debt, suitable for investors nearing retirement.

Focus on Consistency: Evaluate the historical performance and consistency of the funds in your portfolio. Ensure that they align with your long-term financial goals and risk tolerance.

Review Fund Selection: While your current funds have their merits, periodically review their performance and make adjustments if necessary. Funds experiencing consistent underperformance or significant changes in fund management may warrant reconsideration.

Professional Guidance: Engage with a Certified Financial Planner (CFP) to conduct a comprehensive review of your portfolio and provide personalized recommendations tailored to your financial objectives and risk appetite.

Conclusion
In pursuit of your ambitious goal of accumulating over 25 crores by retirement, it's essential to periodically review and adjust your investment strategy. By diversifying appropriately, focusing on consistency, and seeking professional guidance, you can optimize your SIP portfolio for long-term wealth creation and financial security in retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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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