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Samraat

Samraat Jadhav  |2174 Answers  |Ask -

Stock Market Expert - Answered on Feb 01, 2024

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
Veerasekaran Question by Veerasekaran on Aug 10, 2023Hindi
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I have 280 shares of easy trip planner @49 for a long time. What can I do

Ans: hold it for atleast 2yrs

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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Friends, My son is currently opting for Commerce with Computer group in Plus One and is considering the following courses: *B.Com.,* in 1. Business Process Services 2. ?Professional Accounting 3. ?Business Analytics 4. ?Business Process Management 5. ?Computer Applications 6. ?Fintech 7. ?International accounting(ACCA UK) 8. ?Self Finance 9. ?Strategic Finance (US CMA) 10. ?Cost & Accounting Mgmnt 11. ?E-Commerce 12. ?Financial System 13. ?Foreign Trade I seek your advice on the best course combination and future prospects. Could you please share your valuable suggestions and insights on the following: - Best course combinations for Commerce with Computer group - Career opportunities and growth prospects - Any additional courses or certifications that would enhance his career prospects
Ans: The Commerce with Computer group offers a wide range of courses for your son, based on his interests, strengths, and career goals. Some of the most promising options include a B.Com. in Business Analytics, which combines commerce and data analysis, and a B.Com. in Fintech, which focuses on technology-driven financial services. These courses offer career opportunities in sectors like e-commerce, IT, and financial services.

Additional certifications can enhance career prospects, such as ACCA UK certification, US CMA certification, and B.Com. in Computer Applications. These certifications will equip your Son with globally recognized accounting skills, allowing them to work in multinational corporations or abroad.

For a more tailored approach, your son can pursue certifications in accounting and finance, technology and business analytics, and management and strategy. Soft skills and global recognition can be achieved through IELTS or TOEFL courses.

To make an informed decision, you should discuss your son's interests, career goals, and job market, and focus on courses aligned with high-growth industries like analytics, fintech, or international finance.

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Nitin

Nitin Narkhede  |59 Answers  |Ask -

MF, PF Expert - Answered on Jan 23, 2025

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Hi Sir, I am retired and 63 years old. Having 50 lacs in equity.1.5 cr MF, 25 lacs in SCSS.expected landproperty sale of 4.5 cr also having own house and no education or marriage expenses of children. Medical insurance of 10 lack for me and wife. However intended to buy a residential property of 3 cr to get relax from capital gain post selling the land. And same will be given to daughter later. Need monthly expenses of 1.25 lack. Since market is too volatile. Kindly suggest way forward.
Ans: Dear Pralhad,
To manage your finances post-retirement and handle market volatility, allocate the ?4.5 crore from your land sale strategically. Use ?3 crore to purchase a residential property to save on capital gains tax and gift it to your daughter later. Allocate the remaining ?1.5 crore into ?50 lakh in SCSS for secure returns (~?16,000/month), ?50 lakh in RBI Floating Rate Bonds or POMIS (~?30,000/month), and ?50 lakh in balanced mutual funds for moderate growth. For your existing assets, keep ?25 lakh in SCSS and divide the ?1.5 crore mutual funds portfolio into 60% balanced advantage or hybrid funds for stability and 40% debt funds for steady income. Maintain 20-25% equity exposure (?50 lakh) in large-cap or dividend-yield funds for growth. Combined with a ?20-30 lakh emergency fund, this ensures a stable monthly income of ?1.25 lakh while safeguarding against market risks and providing for your family's future. Consult a certified financial advisor for personalized tax-efficient strategy
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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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