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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Feb 06, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Rasheed on Aug 29, 2023Hindi

Money

i have 30 laks available please guide me for investment

Ans: To plan your investment of Rs. 30,00,000, your financial advisor would require many details from you including client age, risk profile, current asset allocation, investment time horizon, etc.

As you are investing your major corpus in the market, we recommend youto link all your financial goals (Child Education, House Purchase, etc.) with your investments and make the portfolio diversified into mutual funds, FDs, and Bonds to manage your risk level.

Please connect with your financial planner for proper goal-based planning and a detailed explanation of the same.

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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Question by Neeraj - Apr 20, 2023Hindi

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Dear Sir, I am Neeraj Gupta . I have to invest 30 Lakh for 3-5 years. Pl. advise me how and where to invest ?

Ans: kindly opt for STP route and you can do this in HDFC sensex fund and PPFAS flexi cap fund along with canara robeco hybrid equity fund

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

Question by Sanjeev - Jul 10, 2024Hindi

Money

Hi I have 15 lacs and need to invest which will give me steady monthly income

Ans: You have Rs. 15 lakh and seek steady monthly income. Let’s explore the best options for your needs.

Benefits of Systematic Withdrawal Plans (SWPs)
Regular Income: SWPs provide steady cash flow.
Capital Protection: Keeps your principal relatively safe.
Tax Efficiency: Better tax benefits compared to fixed deposits.
Advantages of Actively Managed Funds in SWPs
Expert Management: Funds managed by professionals.
Better Returns: Potential for higher returns compared to index funds.
Flexibility: Adjust investments based on market conditions.
Disadvantages of Direct Funds
No Guidance: Lack of professional advice.
Higher Risk: More risk due to lack of management.
Complexity: Requires significant time and knowledge.
Benefits of Investing Through MFD with CFP Credential
Expert Advice: Helps in making informed decisions.
Regular Monitoring: Keeps investments on track.
Customized Portfolio: Tailored to your goals and risk profile.
Investment Strategy for Steady Monthly Income
Step 1: Allocate Funds to a Balanced Portfolio
Equity Funds: For growth potential.
Debt Funds: For stability and lower risk.
Hybrid Funds: Combine equity and debt for balanced growth.
Step 2: Set Up Systematic Withdrawal Plan (SWP)
SWP Mechanism: Withdraw a fixed amount monthly.
Start with Small Amount: Ensure sustainability of the corpus.
Step 3: Regular Monitoring and Adjustments
Quarterly Review: Check fund performance.
Rebalance Annually: Adjust the portfolio to maintain balance.
Step 4: Tax Efficiency
Long-Term Capital Gains: Lower tax rate compared to short-term.
Tax-Free Withdrawals: Certain portions of withdrawals can be tax-free.
Estimated Monthly Income
Assuming a conservative return of 8%, you can withdraw a fixed monthly amount while keeping your principal relatively intact. This could provide a stable income stream while also potentially growing your investment.

Health and Emergency Fund
Maintain a Buffer
Emergency Fund: Keep at least 6 months of expenses.
Health Coverage: Ensure adequate insurance to cover unexpected medical expenses.
Final Insights
To achieve steady monthly income:

Invest Rs. 15 lakh in a balanced portfolio.
Use a Systematic Withdrawal Plan (SWP) for regular income.
Seek professional advice for customized planning.
Monitor and adjust your investments regularly.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Stock Market Expert - Answered on Jul 15, 2024

Asked by Anonymous - Jul 15, 2024Hindi

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I want to invest 20lac please advice

Ans: I would suggest you to visit a SEBI Registered Investment Advisor and seek advice from them. The following link will help you to find the nearest Adviser for you.
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

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Question by Ajay - Dec 19, 2024Hindi

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Dr Sir ,Good Evening, myself want to get trained in leadership to guide others. please guide me in systematic way. my knowledge which can explain in few words as (jack of all,expert of nun).

Ans: Please go for some Management Development Programme ( online certification course) and your wish will be fulfilled. Best of luck. Just follow me. May God Bless You. Professor........................................:)

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Dentist - Answered on Dec 19, 2024

Asked by Anonymous - Dec 12, 2024Hindi

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Doctor, I’ve recently noticed that my gums bleed a little when I brush, and they feel a little tender, especially around the back. I did some quick research online, and it sounds like it could be gingivitis, but I’m not really sure. I’ve always been pretty regular with brushing, but I might not be doing it thoroughly, and I don’t always floss. I am 38 and was wondering, is it possible for me to treat or even cure gingivitis by myself at home? Should I just start using a specific mouthwash or change my brushing routine? Or is this something I should see a dentist about right away? I’m hoping it’s something simple I can handle without needing a visit to the dentist.

Ans: Mild gingivitis can be treated and managed at home with good oral hygiene practices and some natural remedies. However, if the condition persists or worsens, it's essential to consult a dentist for professional treatment.

Home Treatment and Prevention:

1. *Brushing and Flossing*: Brush your teeth at least twice a day and floss once a day to remove plaque and food particles.
2. *Saltwater Rinse*: Rinse your mouth with warm saltwater several times a day to reduce inflammation and kill bacteria.
3. *Antibacterial Mouthwash*: Use a commercial hydrogen peroxide/chlorhexidine gluconate mouthwash to kill bacteria and reduce inflammation.
4. *Dietary Changes*: Eat a balanced diet rich in fruits, vegetables, and whole grains, and avoid sugary and processed foods.
5. *Vitamin C* plays a significant role in gingival health. So make sure you have fresh citrus fruits (preferably unrefrigerated) on a regular basis. The other option is to take Vitamin C supplements.

When to Consult a Dentist:

1. *Persistent Gingivitis*: If your gingivitis persists despite good oral hygiene practices and home remedies.
2. *Severe Symptoms*: If you experience severe symptoms like bleeding gums, pain, or swelling.
3. *Gum Recession*: If you notice gum recession or exposed roots.
4. *Loose Teeth*: If your teeth become loose or mobile.

Remember, while home treatment and natural remedies can help manage mild gingivitis, regular dental check-ups and professional cleanings are essential to prevent and treat gum disease.

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Edtech/Online Education Expert - Answered on Dec 19, 2024

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I'm studying in my first year of law school and I want to do extra certifications which will help with my career. I'm thinking of going into the corporate sector. I also have an interest in ADR, Legal Aid and Human Rights. Can you suggest some organisations to be a member of, some certifications to do and internship opportunities to try out?

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Edtech/Online Education Expert - Answered on Dec 19, 2024

Asked by Anonymous - Nov 30, 2024Hindi

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I'm a student of VIT Vellore, pursuing ECE. What are the current job trends and how should I equip myself for placements? What are the top companies and their requirements?

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Edtech/Online Education Expert - Answered on Dec 19, 2024

Question by Anchal - Nov 21, 2024Hindi

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Sir I am student of BCA in normal college. I request to what are the online course for skill development

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Tax Expert - Answered on Dec 19, 2024

Asked by Anonymous - Jun 17, 2024Hindi

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Hello Sir - My wife is homemaker and didn't do any job during last year. She invest in shares with "Streedhan" (money gifted from father) and earned 4 lakh last year as short term capital gain. She also earned 1 lakh as interest income from saving and FD accounts. Which ITR she should file and is there any exemption she can claim?

Ans: ITR 2 is applicable and last date for filing belated ITR for AY 2024-25 is 31.12.2024

Further, there is minimum exemption limit of 3 lacs and accordingly, only on 2 lacs tax of 15% will be levied.

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Dating, Relationships Expert - Answered on Dec 19, 2024

Asked by Anonymous - Dec 17, 2024

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There's a girl in my collage my classmate I am very obsessed with her and tried to talk to her always I proposed her very early and was rejected still instead of leaving her I always tried to talk to her and she's said multiple times she's not interested still I love her so much that I just can't let her go with each passing day our convos reduced and she ignored me a lot this is all a 2 month long story and this ignoring phase started 10-15 days ago what do I shall do now to get her back. Please help me I seriously want her back she's a great person.

Ans: Dear Anonymous,
I can't help you get her back, but I can help you understand boundaries. If she is saying she is not interested, the only clear conclusion from that statement is that "she is not interested." A no is a no. It does not mean "Convince me some more and I will change my mind." I am sure you are a great person and you will find someone amazing who is actually interested in you, but this woman is not the one. And what you are doing is not right. I would strongly urge you to move on and even if it hurts for a while, you should not be bothering her for that. Please respect her decision.

Best Wishes.

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Dating, Relationships Expert - Answered on Dec 19, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Relationship

I 32F have been dating my boyfriend for about a year now. He has a young daughter from his previous marriage, and they share custody. I’ve been trying to get along with his ex-wife, but it’s been really difficult. She often contacts him for things that aren’t urgent and it feels like she’s overstepping into our relationship, especially when it comes to decisions about their daughter. I understand that they need to co-parent, but I feel like I’m always left out or made to feel uncomfortable. My boyfriend says he tries to balance everything, but sometimes I feel like his ex-wife has more influence in his life than me. How can I set healthy boundaries with her without causing tension, and how can I talk to my boyfriend about how I’m feeling without sounding like I’m being controlling?

Ans: Dear Anonymous,
I understand that you are in a tricky spot but it is important to understand that when it comes to their child, they have the right to make decisions and ignore everyone else's, even yours. You should keep your relationship and their co-parenting situation separate. Having said that, if you think your BF's ex is overstepping, communicate that to your partner, while letting him know that it bothers you and might even create friction in your relationship. An open and honest discussion is the only way around it. If expressing your discomfort is causing tension or considered ‘controlling,’ then you need to rethink the relationship.

I am sure your partner is truly trying to balance things, but since he is dating you, he should be aware of the areas where that balance is lacking. Communication is the only way.

Hope this helps.

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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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