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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Aug 06, 2023

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

Question by LouMal on Jul 20, 2023Hindi

Money

I am 45 years, single, female. I have no loans or liabilities.My annual expenses are around 6-7 lakhs. I am currently investing 31k per month since 8 months in Mutual funds . I have 10 lakhs in Liquid Funds, and around 20 lakhs in other investments like PPF, NPS and FDs. I currently earn around 1 lakh/month. I would like to have around 2 crore in the next 10-15 years in investments. What can I do better? I have mentioned my current MF portfolio below: PARAG PARIKH FLEXI CAP FUND - DIRECT PLAN ICICI Prudential Technology Fund Mirae Asset Emerging Bluechip Fund NIPPON INDIA FOCUSED EQUITY FUND NIPPON INDIA SMALL CAP FUND Nippon India Nifty Next 50 Junior BeES FoF SBI Small Cap Fund SBI NIFTY Small Cap 250 Index Fund

Ans: Since you have kept 10 Lakh in liquid funds it's really not important to keep FD. You can continue with NPS. You can change Nippon FOF to Nippon small cap Fund. With the current investment you can make 1.5 crore in 15 years of investment also whenever your income goes up you can increase your investment in equity mutual funds and achieve your goal of 2 Crore

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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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Sep 04, 2023

Asked by Anonymous - Aug 10, 2023Hindi

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Hello Sir, I am 44 years old IT professional. I have loan of Rs. 29 Lakhs. I am currently Monthly Investing 40K in MF, 10K in Nifty 50, 18K IBM Stocks and Large cap and Mid Cap Stocks 50K (IT- Infosys, TCS, Wipro, Tata Elxie), Bank - (ICICI, IDFC, SBI), Auto - Tata Motors, Ashok Leyland, Jewellery - Titan, Metal - Tata Steel, Vedanta), Paint - Asian Paint, Oil - IOC). MF 1. Edelweiss Large and Mid cap - 5000 2. ICICI Prudential Thematic adv fund - 5000 3. Kotak equity opportunity fund - 5000 4. Canara Robbeco Emerging Equities - Regular - 5000 5. Mahindra Manulife Multi Cap fund Regular Growth - 5000 6. Parag and Parikh flexi Cap fund Regular Plan - 5000 7. SBI Blue Chip fund Regular Growth - 5000 8. HSBC Small Cap fund Regular Growth - 5000 9. Nippon nifty 50 NIFBEE - 10000 10.IBM stock - 18000 I have 8 lakhs as emergency fund in FD ROI - 7.1, NPS - 12 lakhs, PF 22 lakhs, Stocks 24 lakhs, MF 5 lakhs I would like to have around 10+ crore's in the next 10-12 years in investments. What can I do better?

Ans: Your investment is too diversified, you should invest in stocks directly if you have expertise and time. Please share exact details of your lumpsum investment

Ramalingam Kalirajan |11135 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Apr 03, 2024Hindi

Money

I am 50 working professional. Below is my MF portfolio . 1. Parag Parikh Flexi Cap Fund 2.6 lakhs + 10K SIP 2. PGIM India Midcap Opportunities Fund 1.85 L Value + 5K SIP 3. Quant ELSS Tax Saver Fund 80K 4. Axis Small Cap Fund 1.85 Lakhs Value + 5K SIP 5. Axis Gold Fund 75K Value + 5K SIP 6. Canara Robeco Bluechip Equity Fund 70K 7. Quant Multi Asset Fund 50K 8. SBI Magnum Income Fund 50K 9. ICICI Prudential Equity & Debt Fund 50K 10. Quant Active Fund 50K 11. ICICI Prudential Bluechip Fund 25K I want to build a retirement corpus of 2 crore in 10 years. I am planning to invest around 50K every month. Plus i have. surplus of 4Lakks which i want to invest in few of the MFs above. Planning to exit Canara Robeco bluechip and Axis Small cap soon. Please suggest if any changes you want me to do.

Ans: Given your goal of building a retirement corpus of 2 crores in 10 years and your current portfolio, here are some suggestions:

Increase SIP Contributions: Consider increasing your SIP amounts in high-performing funds like Parag Parikh Flexi Cap and PGIM India Midcap Opportunities Fund, which have shown good potential for long-term growth.

Review and Consolidate: Evaluate the performance of all your funds and consider consolidating your portfolio to fewer, well-performing funds to simplify management and potentially enhance returns.

Focus on Quality: Prioritize funds with strong track records, consistent performance, and experienced fund management teams. Consider adding large-cap and diversified equity funds for stability and balanced growth.

Asset Allocation: Ensure a balanced asset allocation across equity, debt, and gold funds based on your risk tolerance and investment horizon. Reallocate surplus funds strategically to maintain a diversified portfolio.

Regular Review: Monitor your portfolio regularly and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.

Consider consulting with a financial advisor for personalized advice tailored to your specific circumstances and goals.

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Sir I am from Nepal, but currently I am staying in India. I want to continue my studies. If I complete 10th grade from NIOS, will I be able to go back to Nepal and take admission in 11th grade?”

Ans: HI,
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Yes, it is possible. NIOS is similar to CBSE or ICSE, so there shouldn't be any issues when applying for 11th grade in Nepal. However, you will need to submit an equivalence certificate from the Higher Secondary Education Board (HSEB) or the National Examination Board (NEB) in Nepal. This certificate should confirm that the NIOS 10th grade is equivalent to the Nepali SEE (Secondary Education Examination). Additionally, you will need to provide your original marksheet and migration certificate.

Before seeking admission, it's advisable to contact the specific school or college in Nepal to confirm their acceptance of the NIOS certificate. This will help ensure a smooth admission process.

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“I am from Nepal, but currently I am staying in India. I want to continue my studies. If I complete 10th grade from NIOS, will I be able to go back to Nepal and take admission in 11th grade?”

Ans: HI,
GREETINGS FROM THE REDIFFGURUS!
Yes, it is possible. NIOS is similar to CBSE or ICSE, so there shouldn't be any issues when applying for 11th grade in Nepal. However, you will need to submit an equivalence certificate from the Higher Secondary Education Board (HSEB) or the National Examination Board (NEB) in Nepal. This certificate should confirm that the NIOS 10th grade is equivalent to the Nepali SEE (Secondary Education Examination). Additionally, you will need to provide your original marksheet and migration certificate.

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By mistaken I haven't wrote my surname (complete name) in neet application form2026, just wrote my only name, if I make an affidavit will it solve this problem during counseling? will they accept it?

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Yes, they will consider your application since all the other credentials match. It’s important to read the instructions in the prospectus carefully when submitting the form online. Many applicants overlook this and end up struggling later on.

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Hi sir if I am unable to produce ews certificate during josaa counselling and I will produce declaration also to change to general. Will I get any seat allocated to my rank as general after the declaration?

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My wife doesn't like my choice of gifts. If I buy a sari she doesn't like the colour. If I take her out on a lunch or dinner she will complain about the food. We have been married for 20 years and till date I don't know what makes her happy. If I ask she will say I don't love her. What is this? How will I know if she doesn't say what she wants. Im tired and confused what to buy for our anniversary next week

Ans: Dear Anonymous,
I understand that this can be frustrating but how about sit her down and have an open conversation? Let her know that you are not accusing her but you really want to understand what is the matter. Tell her how her constant unhappiness makes you feel. Communication can help a lot more than we imagine.
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Question by Tapas - Apr 12, 2026Hindi

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Dear Sir, My son has scored in 97 percentile in JEE architecture. Where he may get admission .What is the prospect in this line?

Ans: Hello Tapas
mid-tier NITs may be possible.
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Asked by Anonymous - Apr 11, 2026Hindi

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Hello Mihir, I had transferred my flat (owned by me and my spouse) as gift to my daughter when she was 17yo. This was done by a lawyer with payment of relevant stamp duty/taxes to registration office. I have below queries: 1) Do I need to take up any other documentation once she turns 18? 2) can I sell the flat, will there be any implications? 3) Do I or my daughter need to pay LTCG after the sale and if yes how much %? The flat was purchased in 2008 at 33 Lakhs and the ongoing rate is around 1.2Cr. I plan to purchase another residential property in India as well as overseas after the sale materializes

Ans: For income tax purpose, gift deed and registration of property in the name of daughter would be sufficient.

When your daughter sell that flat she need to pay LTCG if gain amount (1.2cr minus 33 lacs) is not invested in the new property is not purchased within 2 years or not constructed new property within 3 years of sell of flat.

Property purchased outside India will not be considered for LTCG exemption purpose.

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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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