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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Mutual Fund Expert... more

Question by Binayak on Aug 03, 2022Hindi

Money

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.

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 Jun 01, 2022

Question by Binayak - Jun 01, 2022Hindi

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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

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jul 08, 2022

Question by Siddhant - Jul 08, 2022Hindi

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I am 31 years old and a salaried person. Started in 2022 with annual step up of 25 per cent. I want to invest for another 25-30 years. Kindly suggest about the funds. Following are my current mutual fund investments: PGIM India Midcap Opportunities Fund Direct-Growth - 2000 Quant Active Fund Direct-Growth - 2000 ICICI Prudential Technology Direct Plan-Growth - 2000 Canara Robeco Bluechip Equity Fund Direct-Growth - 2000 Kotak Small Cap Fund Direct-Growth - 2000 Canara Robeco Small Cap Fund Direct - Growth - 5000 UTI Nifty Index Fund Direct-Growth - 5000 Mirae Asset Tax Saver Fund Direct-Growth - 2000

Ans: These are good funds, please continue

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by Binayak - Aug 03, 2022Hindi

Money

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 Aug 03, 2022

Question by Binayak - Aug 03, 2022Hindi

Money

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.

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Question by Cm - Jan 01, 2025Hindi

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What happens if UAN is not activated due to name mismatch?

Ans: Hello;

You will have to resolve the name mismatch by following the due process.

Else your UAN will remain inactive and you may not be able to use online services offered by EPFO.

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Asked by Anonymous - Dec 21, 2024Hindi

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I am having about 2 lakh in my PF out of which, ,I am allowed to borrow 1.5 lakh for housing purpose. After borrowing 1.5 lakh I am willing to pay the amount back to PF in small installments every month other than employee contribution. But my employer never entertain the voluntary contribution. Is there any other way to return back the amount borrowed from Provident Fund.

Ans: Hello;

You may consider it as partial withdrawal from EPF for house purchase.

No need to repay it. It's your own money which you are allowed to partially withdraw subject to certain conditions.

However your PF kitty will need to be replenished through regular contributions.

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Ans: Hello;

It is fundamentally a good stock however my view is that in the short to medium term (2-5 yrs) it may test your patience with not much movement anticipated however for a long term horizon(5 yr+) outlook is quite positive.

You may consult a sebi registered research analyst for more appropriate feedback.

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Asked by Anonymous - Dec 30, 2024Hindi

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I am 57 years old, have 3 cr in stocks and mutual funds, and I intend to invest another 2 cr because I make 1 cr a year. After reiteration, my monthly expenses would be 2.0 lacs. Could you please tell me if this is enough money to retire?

Ans: Hello;

You will need a minimum corpus of 6 Cr to generate post-tax monthly income of 2.1 L+ through annuity.(6% annuity rate considered)

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Hi, My age is 42, salaried 1.5 lakhs per month in chennai, 2 school going kids. Own appartment worth 50 lakhs-- 8 yrs to complete the loan. also own Ancestor property 2 houses in same city. Wife working as teacher in small school. Regarding expenses, home loan 45k, house hold expense 50k, gold -7K, Mutual funds-- 15K, Shares--10K, NPS--- 5K. Till date my total savings is equity portfolio 21lakhs, Mutual fund-6 lakhs, EPF - around 23 lakhs i plan to retire in next 10-12 years, expecting my corpus atleast 3 to 5 crores, can you suggest best way to realign my portfolio Tnx in advance

Ans: Hello;

What is the current value of your share in the ancestral property?

Are you in a position to sell it whenever you want or it depends on concurrence of other people?

Please clarify.

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Hello sir,I am recent graduate from ECE and it's already been 6 months and I am not able to get a job and now I am confused what to do next please guide me

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Ans: Follow the website of the exam authority. Professor

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Hello, planning to appear for the CUET PG exam this year. I am 24, working full time in Mumbai. I am not clear about the frequency of the exam. Is CUET PG conducted only once a year, or I can choose the date? Are there any changes in the exam that I should be aware of?

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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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