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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Feb 11, 2024

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more

Asked by Anonymous - Jan 26, 2024Hindi

Money

Hi sir I am 33 year old and following are my investment portfolio Parag Parikh flexi cab fung(G) 3000 Parag Parikh Tax saver fund(G) 5500 Mirae Asset tax saver fund(G) 5000 Axis Mid cap fund(G) 3000 SBI small cap fund (G) 3000 HDFC children gift fund 2000 Deactive funds SBI bluechip fund Axis tax saver fund UTI flexicap fund Nippon tax saver fund Please let me know if I have to make dny changes in above funds? Should I redeem from Deactive fund and purchase new scheme? I want to invest for long term period.

Ans: Redeem deactivate funds and invest in the schemes where you have already invested

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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Head, Rank MF - Answered on Apr 05, 2022

Question by Nava - Apr 05, 2022Hindi

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I am 49 years old and Govt. service holder. I am currently investing in the following funds through SIP and lump sum for last 4 years. Please review my portfolio and suggest if I should continue or change? 1. Sundaram Large and Midcap Fund - Rs. 1500/- SIP 2. Aditya Birla Sun Life Focused Equity Fund - Rs. 1500/- SIP 3. Axis Mid Cap Fund - Rs. 1500/- SIP 4. SBI Flexi Cap Fund - Rs. 1500/- SIP 5. Nippon India Small Cap Fund - Rs. 50,000/- Lump sum (in 2018) 6. Tata Digital India Fund - Rs. 50,000/- Lump sum (in 2019) 7. Axis Small Cap Fund - Rs. 1,00,000/- Lump sum (in 2020) 8. DSP Small Cap Fund - Rs. 50,000/- Lump sum (in 2020) 9. DSP Natural Resources and New Energy Fund- Rs. 1,00,000/- Lump sum (in 2019)

Ans: Please continue

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Mutual Funds Expert - Answered on Nov 30, 2022

Question by Madan - Nov 30, 2022Hindi

Money

Hi Sir, I am 38 years old and the following are my investment portfolio: Kotak Mulitcap Fund (G) 1000/- UTI -nifty 50 index Fund (G) 2000/- AXIS Midcap Dund (G)3000/- HDFC Top 100 Fund (G) 3000/- Kotak Flexi cap fund (G) 2500/- DSP Equity & Bond Fund (G) 3000/- SBI Focused Equity Fund (G) 3000/- AXIS Bluechip Fund (G) 2500/- Please let me know if I need to change anything in the above list, I am investing in these Mutual funds for longer term and gains.

Ans: Hello Madan Rao. Looking at your portfolio. I would advice reconsider your schemes of AXIS Bluechip Fund, HDFC Top 100 Fund & Kotak Flexi cap Fund to better alternative peer schemes.

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Financial Planner - Answered on Jun 07, 2023

Question by Shanky - Jun 06, 2023Hindi

Money

Sir i am 34, i have investment in invesco india contra fund,kotak emerging equity fund,mirae asset emerging bluechip fund,nippon india multicap fund,tata equity p/e fund.Would like to ask are there any changes required

Ans: Dear Shanky
My recommendation only on the past performance and anticipated future outlook of your funds is as below:-
1. Invesco India Contra fund - Poor performance. Switch
2. Kotak Emerging Equity fund - Good fund. Continue.
3. Mirae Asset Emerging Bluechip fund - Good fund. Continue.
4. Nippon India Multicap fund - Good fund. Continue.
5. Tata Equity P/E fund - Poor performance. Switch

However, do note that you are taking a very high risk in your portfolio with 2 midcap and 3 small cap funds. Do consult a financial advisor to rebalance your portfolio.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

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Insurance, Stocks, MF, PF Expert - Answered on Sep 16, 2024

Asked by Anonymous - Sep 15, 2024Hindi

Money

Sir, I m 65 yrs having following funds. ABSL nifty next 50 index fund..G HSBC value fund..G Edelweiss liquid fund. G Motilal oswal liquid fund G Motilal Oswal Tax saver..G Mirae tax saver .G Kotak tax saver .G ICICI flexi cap. G ICICI BAF. G SBI multicap..G SBI innovative opportunities..G Kindly advise for any changes. Thank u.

Ans: Considering your age I would recommend you to avoid pure equity and thematic funds due to volatility & high risk and shift to following fund types(one example of each type is mentioned based on 5 year returns):

Arbitrage fund: Kotak Equity Arbitrage Fund
Conservative hybrid debt fund: SBI Conservative hybrid fund
Equity Savings fund: Mirae Asset Equity Savings fund
Liquid Fund: ICICI Pru Liquid fund(6M return criteria)
Gilt fund: DSP Gilt Fund

The risks in these funds range from Low to moderately high.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

You may follow us on X at @mars_invest for updates

Happy Investing!!

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Asked by Anonymous - Jan 18, 2025Hindi

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Hello, I'm about to finish my third year in b.a. in economics, I want to earn money with a settled job for my parents. I'm confused rn, I want to prepare for SSC CGL, and earn good, but I fear of taking a gap after my graduation, since my college is very strict towards attendance and load is too much thus I don't want to go there again for my pg, idk if I should do private MBA or ma in economics or any other diploma in computer related or finance related course while simultaneously doing my preparation since I don't want to do nothing while sitting at home.(Btw I'm from Agra and it's getting hard for me to find good college where I can do my Master's in economics non-regular mode in reasonable fee)

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Asked by Anonymous - Dec 22, 2024Hindi

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Asked by Anonymous - Jan 30, 2025Hindi

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I am a 45 year old man. My problem is that I can't look people in the eye and talk. My strict upbringing may have made me an unnecessarily polite and timid person. I cannot exercise my authority at work when necessary. How do I get out of this personality?

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Asked by Anonymous - Dec 05, 2024Hindi

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Hi Sir, My Son is studying in 11th std with PCMCs and preparing both for NATA and CET. He was an average student in tenth scoring 55%, we are hoping for better performance in his 12th board. Currently we are staying in Bangalore. We need your suggestion in choosing between BArch or BE (Civil/Mech/Electrical). Which one will be better for him in difficulty level, fee structure, future job prospects and if he wants to Masters, whether he can continue in India or abroad. If abroad which countries or university are good for him for masters. Thank you

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Career Counsellor - Answered on Jan 30, 2025

Asked by Anonymous - Nov 06, 2024Hindi

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What to say if my boyfriend asks who is more important to you , me or your friends? When I say everyone has some importance in life, he gets offended. What should I say

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Asked by Anonymous - Nov 08, 2024Hindi

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I am having 10 years of experience and due to my health I had to left my job in between and without any offer in hand. Now, Despite applied indefinitely I am not getting much response. I have started my own website and working on the same providing some insights on it. As I am market research professional. So, What should I do to tackle this situation and let me tell you I have done Bcom(H) & MBA. How to approach in a new way for interview or how should I upskill despite taking change needs of job due to AI.

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Question by Unnikrishnan - Jan 30, 2025Hindi

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Dear Sir My son is studying EEE , and taken electrical major. He would like pursue his career in LEED or QAQC can you please advise what extra courses he need to undertake

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Dating, Relationships Expert - Answered on Jan 30, 2025

Asked by Anonymous - Jan 29, 2025Hindi

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Im afarid to express my love to a women. She is very good looking and much more than that she had a good character. But the main problem arises is she is 171cm and I'm 165cm. I'm afraid may be I will get rejected. I love her so much. Should i I leave her and move on. And one thing also i don't even talk to her, I'm afraid to talk. Can you give some tips to talking also

Ans: Dear Anonymous,
I understand your concern but how will you know whether height is an issue for her until you go ahead and speak to her? If you are worried about confessing your feelings for her directly, it's best you take things slow. Anyways, people are more likely to take such confessions on a positive note if they know the person.

You can start with a Hi, followed by letting her know that you have seen her around quite a few times. You can ask her what she does, and other general questions. Don't do it all in a single day; try building rapport slowly. This way you won't be putting too much pressure on yourself or on her.

Best Wishes.

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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