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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jul 07, 2022

Mutual Fund Expert... more

Question by REDDIPRADAD on Jul 07, 2022Hindi

Money

I am 29yrs old and salaried person. I want to invest in Mutual Funds. Till now I have taken Life coverage and some guaranteed plans and paying since 2020 for 8yrs. Now I want to invest in mutual funds. Please suggest me the Mutual funds, where I want to invest for 15+ yrs.

Ans: The funds that you may consider are:

- Samco Flexi Cap Fund -- Growth

- Axis Esg Equity Fund Regular Growth

- Uti Flexi Cap Fund – growth

- Hdfc Index Fund -- Sensex Plan -- Growth

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 Aug 03, 2022

Question by Binayak - Aug 03, 2022Hindi

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I am 38 years old and a salaried person. Following are my current mutual fund investments. 1. SBI Blue Chip fund- Direct Growth. Monthly SIP of Rs 3000 2. Sundaram Large and Mid Cap fund- Direct Growth. Monthly SIP of Rs 3000 3. PGIM India Midcap Opportunity fund Direct Growth. Monthly SIP of Rs 3000 4. NIMF Small Cap Fund Direct Growth. Monthly SIP of Rs 3000 5. UTI MNC Fund Direct Growth. Monthly SIP of RS 3000 Started in 2019 with annual step up of 10%. I want to invest for another 15 years. Kindly suggest about the funds.

Ans: Nice funds; please continue no change required.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 01, 2022

Question by Binayak - Jun 01, 2022Hindi

Money

I am 38 years old and a salaried person. Started in 2019 with annual step up of 10 per cent. I want to invest for another 15 years. Kindly suggest about the funds. Following are my current mutual fund investments: SBI Blue Chip fund- Direct Growth. Monthly SIP of Rs 3000 Sundaram Large and Mid Cap fund- Direct Growth. Monthly SIP of Rs 3000/- PGMI India value fund Direct Growth. Monthly SIP of Rs 3000/- NIMF Small Cap Fund Direct Growth. Monthly SIP of Rs 3000/- UTI MNC Fund Direct Growth. Monthly SIP of RS 3000/-

Ans: Funds are good; please continue

Ramalingam Kalirajan |7012 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2024

Asked by Anonymous - Jul 21, 2024Hindi

Money

Hello, i want to start investing in mutual funds for like 10-15 years time period. Can you suggest me which funds should i investment in and what should i do. I am planning to invest 1k per month because i don't have high salary and i have to pay home expenses. I will increase the amount by certain percentage every 10 months. Can you guide me in this. Thank you!!

Ans: Design a Proper Investment Plan
You intend to have a time horizon of 10-15 years of investment in mutual funds. You will start with a decent amount of Rs 1,000 per month. You will increase the amount every 10 months.

Selection of Correct Funds
Diversified Equity Fund:

Start your investment with a diversified equity fund.
These funds are invested in various sectors.
Balanced Fund:

Then, consider balanced funds.
Their investment is in equity and debt. A Mid-Cap and Small-Cap Funds
For better returns, add mid-cap and small-cap funds.
These funds invest in medium and small companies.
How to Increase Your SIP
Regular Increase:

Increase your SIP amount every 10 months.
Start with Rs 1,000 and gradually increase.
Percentage Increase:

Increase by a certain percentage each time.
This helps in building a substantial corpus.
Benefits of Long-Term Investment
Compounding Effect:

Longer investment periods yield better returns.
Compounding helps grow your money over time.
Market Fluctuations:

Long-term investments reduce market risk.
Short-term fluctuations have less impact.
Monitoring and Reviewing
Annual Review:

Review your portfolio annually.
Performance Adjustment:
Adjust based on performance
Stay Informed:
Stay informed about market trends
Read all financial news and reports
Other Tips
Emergency Fund:

Always maintain an emergency fund
Always keep 3-6 months expense in liquid form
Not Frequent Withdrawals:
Let it Grow
Avoid frequent withdrawals for maximum benefit
CFP
Always consult a CFP
They shall help you with personalised advice
Final Insights
You can start investing in mutual funds with as much as Rs 1,000 a month. Go for diversified equity, balanced, and mid-cap funds. Also, remember to increase the amount of money in the SIP from time to time along with changes in income. Be well-informed, but for all personalized guidance, do seek out a Certified Financial Planner.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

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Asked by Anonymous - Nov 12, 2024Hindi

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I want to which life insurance company may be given better benefit after 60yrs

Ans: Hello;

Request you to kindly rephrase your question.

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Career Counsellor - Answered on Nov 12, 2024

Question by Sandeep - Oct 27, 2024Hindi

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My Son has completed CS Cybersecurity undergrad from ASU Tempe, AZ USA this May, with 4.0 GPA in all 8 semesters, and also won the Moyer award. He is on OPT doing research, and looking for job. Does not want to do MS in tech, but is already studying AI ML online in USA. He wants to finally do MBA from one of the top 10 in USA. What will be the best route? Which field will be best for him? His plan is to finally not be in a job, and preferably return to India.

Ans: He must have an excellent GMAT score if he wants to do MBA from top 10 B-School of USA. Which field will be best for him that can't be told unless I talk to him. If he wants to return to India then why so much money is being spent for his education in USA? With a degree from USA he will not get any special treatment in Indian companies. I am always there to support him. Best of luck to your son. But take judicious decisions, because DECISION DECIDES DESTINY. GOD BLESS YOUR SON. Professor.........................:)

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Asked by Anonymous - Oct 22, 2024Hindi

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Hello, I am 40 Years Guy working in a Manufacturing Company abroad in Finance Dept, I had done B.E(IT) but went to Work in Family Business earlier... Which didn't work as per expectations, after that some how i managed to get Job in African Country.Now due to my Changed Profession it has difficult for me to get good job in India. Can you suggest me what can i do.

Ans: You are in finance and your complete experience is in finance. I would advise you to go for at least an online MBA in finance and try for the job in India. I am sure you will get it due to your huge experience. I am always there to support you. Best of luck. GOD BLESS YOU. Professor.........................:)

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Relationships Expert, Mind Coach - Answered on Nov 12, 2024

Asked by Anonymous - Nov 09, 2024Hindi

Relationship

I am a 30-year-old woman from an upper-middle-class business family. I've been in a relationship for the past four years with a man who holds a government job, while I recently completed my MBA and started working at a reputable company. He comes from a modest background, and we are from different castes. About a year and a half ago, I introduced him to my family as a potential partner, but they were strongly opposed to the idea. At the time, I decided to let it go, but now I feel compelled to try again. However, I’m uncertain about how to approach my parents, and with time passing, I find myself questioning the decision to marry someone from a different background. What should I do?

Ans: First, it might be helpful to reflect on your relationship itself. After four years, you likely know each other well, and it’s good to take stock of what you value in your partner. Think about whether you see a long-term future together, especially in terms of shared goals, values, and mutual support. These are the foundational elements that matter most, regardless of background or status. If you’re truly aligned, you can have confidence that you’re making a choice based on a solid partnership.

If you’re still sure about moving forward, you can prepare to approach your parents again. This time, try focusing on helping them see him as a person rather than through the lens of caste or financial background. Highlight his qualities—his character, values, work ethic, and the positive impact he has on your life. Family resistance often stems from fears about compatibility or security, so if you can show them that he’s a stable, dependable person who brings happiness and balance to your life, it may help ease their concerns.

At the same time, it’s natural to worry about how lifestyle differences might play out. You might consider having an open conversation with your partner about any potential challenges you foresee. Talking openly now about things like finances, family roles, and lifestyle expectations can give you both a clearer picture of what marriage will look like and whether you feel ready to commit.

If you’re still unsure, give yourself time to think it over without pressure. Marriage is a big commitment, and it’s okay to take your time. Make sure your decision reflects what’s truly right for you and the life you want to build, and trust yourself to make the choice that feels right in the end.

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Relationships Expert, Mind Coach - Answered on Nov 12, 2024

Asked by Anonymous - Nov 11, 2024Hindi

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hello, I'm a 49F married for 21years. It was an arranged match, and from day one my husband and sister have not gotten along. I've also been naive and under my sister's control for a long time, which has angered my husband a lot. In March they both had a verbal altercation and have not been on talking terms. Now my husband is not letting my 18y son meet my sister. My husband is demanding a sorry from my sister, post which only my son can meet her. I'm really sad as my sister dearly loves my son, also I don't feel its morally right to involve children in family politics. And my sister will not apologize to my husband. Need help to understand on how to get my innocent son out of this mess. My husband is very controlling, very angry, very interfering person, overall he has a very negative perspective on everything.

Ans: It might help to approach this from a place of calm and clarity, starting by recognizing that both your husband and your sister likely feel hurt in their own ways. Your husband’s demand for an apology may come from years of built-up tension and perhaps a feeling that he hasn’t been supported in the past. On the other hand, your sister may feel hurt or defensive, making her unwilling to apologize. While it would be ideal for them to resolve this between themselves, you’ve noticed that it’s now affecting your son, and you understandably want to protect him from being caught in the middle.

When talking with your husband, you could try sharing your perspective calmly, focusing on your son’s well-being. For instance, you could gently explain that keeping your son away from his aunt might make him feel confused or torn. Rather than asking your husband to change his mind outright, it could help to show him that your main concern is your son’s happiness, not taking sides. If he understands that this isn’t about undermining his feelings, he may be more open to a conversation.

With your sister, if you have a trusting relationship, consider sharing that her relationship with your son is important, but so is reducing tension in the family. Without asking her to apologize, you might just express that a little openness on her part could make a big difference in helping your son maintain his connections.

This might take time to work through, and that’s okay. In the meantime, keep reassuring your son that he’s loved by everyone. Explain to him that sometimes adults have disagreements, but it doesn’t change the fact that he’s cared for. Keeping those bonds strong now could help everyone come to a better place down the line.

This is a tough situation, but focusing on your values—family harmony and your son’s well-being—can help guide you through it.

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Career And Placement Consultant - Answered on Nov 12, 2024

Asked by Anonymous - Oct 29, 2024Hindi

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Pradeep, I am a professional with more than 17 years of experience in Operations, team management. Currently I have started working in a global MNC in a global position. Earlier I was working with the same organization for more than 10 years. Then during Covid, I lost my job. Finally, settled down with another company with almost 40% less salary. Though I loved the role and responsibilities there. I was a Senior Team Lead there. I liked the role where I was managing the team, working with the team. But due to some internal politics, I lost my job in that organization too in this year only. Why I am saying politics? Because just before they fired me, I got best performer award and best employee of the last quarter 2024 award. Then I rejoined my old organization with lots of hope. But now I am finiding it difficult to cope up in this global role. The top management expected me to know everything within 3 to 4 months and start delivering. One of the biggest hurdle that I am facing is that earlier when I was in this organization for more than 10 years, I was in another process. This time I got in a role where the process is completely different. Also no proper training is provided. I am not get a fulfiling satisfaction from this role. Also I am not able to get job satisfaction and now I am thinking of quitting and start something of my own. A business venture or a consultancy service. But not sure how to start and also afraid of the flow of income. I have a mother who is suffering from age related problems. Have a little kid of 12 years. My wife is not working. I tried to switch jobs. But it seems that no one is there to take someone who is almost at 45 years of age. I am loosing my hope and confidence day by day. Please help.

Ans: Dear... Request you to mention the question in precise way to understand what exactly you require from us. Big question normally indicates state of confusion somewhere hence difficult to repply which will satisfy you.

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Career And Placement Consultant - Answered on Nov 12, 2024

Asked by Anonymous - Nov 09, 2024Hindi

Career

Which is better masters in Pharmaceutics or MBA in pharmaceutical management?

Ans: Dear ...Considering the need of hour and Salary offered in different deptts of any pharma company , if you find MBA in Pharma Management from any reputed organisation , pl. go for it.

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Stock Market Expert - Answered on Nov 12, 2024

Question by Patel - Nov 12, 2024Hindi

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Hi, I'm 22. I have a 24lacks family debt and I want to clear my debt day by day, now I just my currier what to do.

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Question by Girish - Nov 12, 2024Hindi

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Hello sir Good afternoon My son is doing B.tech in CDS Computational and data science at NITK SURATHKAL KARNATAKA..He is in 2nd year now Just wanted to know about the placement options and wheather to go fo M.S. in USA

Ans: He will be definitely placed through his college. But if he wants to pursue MS from USA then the financial support required is 80 Lakh to 1 crore rupees. Apart from that he needs an excellent GRE score, good TOEFL score, Three good recommendations and one SOP ( Statement of Purpose). Best of luck to your son. GOD BLESS HIM. Professor......................:)

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Stock Market Expert - Answered on Nov 12, 2024

Question by Bhogu - Nov 12, 2024Hindi

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Dear Sirs, In the past, purchasing shares and debentures was relatively simple. Investors only needed to obtain an investment application form, either from a broker or directly from the company, fill it out, and submit it along with the required amount in a demand draft. Shares or debentures were then allocated based on the investment made. However, investing in shares has become more complex today due to numerous banking formalities, such as the ASBA (Applications Supported by Blocked Amount) process. What is the reason for this change? I would appreciate your thoughts on the matter.

Ans: OMG, today its simplest dear, globally investing in India is the most simple form.

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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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