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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Jan 22, 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 MANOJ on Jan 11, 2024Hindi

Money

I am 45 years old and work in Private sector. I am currently investing in the following funds through SIP and lump sum for last 2 years Please advoice me that I have continue or change- 1-DSP Multi Asset Allocation Fund Regular plan -100000/ 2-SIP 5000/ Mahindra Manulife Large & Mid Cap Fund Regular 3-SIP 2500/ SBI Flexicap Fund Growth Regular

Ans: The data provided by you is not sufficient for rendering any kind of suggestion or conduct any analysis. Suggestion can be given out after knowing goal requirement in diverse staggered manner time frame. Risk profiling also plays a crucial role in deciding the choice of investment solutions.

Although the fund held by you are good in fundamentals and have delivered favourable and decent returns as per the market scenario, I highly recommend consulting a certified financial advisor who can provide personalized advice based on your risk tolerance, financial goals, and specific circumstances.

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 Apr 05, 2022

Question by Nava - Apr 05, 2022Hindi

Money

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

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 10, 2022

Question by Pranabananda - Jun 10, 2022Hindi

Money

I am 48. Sir I have SIP in the following funds. Please let me know if I should continue or need to do any change in my investment. 1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH Rs.1000 13.06.2016 (date) 2) DSP MID CAP FUND--GROWTH Rs.3000 12.06.2017 3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH Rs.2000 20.12.2016 4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH Rs.1000 14.06.2016 5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH Rs.1000 14.06.2016 6) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.2000 19.12.2016 7) HDFC CHILDRENS GIFT FUND-GROWTH Rs.1000 13.06.2016 8) AXIS FLEXI CAP FUND-GROWTH Rs.3000 02.06.2021 9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH Rs.1500 02.06.2021 10) MIRAE ASSET MIDCAP FUND-GROWTH Rs.3000 05.07.2021 11) NIPPON INDIA SMALL CAP FUND -GROWTH Rs.1000 26.12.2017 Sir I have invested lump sum amount in the following funds. Please suggest whether to continue or exit. 1) ADITYA BIRLA SUN LIFE BANKING AND FINANCIAL Rs.50,000 22.08.2016 (date) Rs.79,647 (present value) SERVICES FUND-GROWTH 2) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY Rs.50,000 22.08.2016 Rs.87,455 FUND-GROWTH 3) ADITYA BIRLA SUN LIFE SMALL CAP FUND-GROWTH Rs.100,000 29.06.2017 Rs.132,490 4) HDFC HYBRID EQUITY FUND-GROWTH Rs.120,273 01.06.2018 Rs.178,746 5) ICICI PRUDENTIAL BLUECHIP FUND-RETAIL-GROWTH Rs.20,042 22.02.2018 Rs.31,422 6) L&T INDIA VALUE FUND-GROWTH Rs.25,000 22.08.2016 Rs.48,505 7) L&T INDIA VALUE FUND-GROWTH Rs.150,000 17.04.2017 Rs.245,565 8) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.25,000 22.08.2016 Rs.61,878 9) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.105,000 28.04.2017 Rs.216,372 10) ADITYA BIRLA SUN LIFE PURE VALUE FUND-GROWTH Rs.50,000 06.11.2018 Rs.65,281 11) ADITYA BIRLA SUN LIFE TAX RELIEF 96-GROWTH Rs.100,000 06.11.2018 Rs.128,895 12) L&T EMERGING BUSINESS FUND-GROWTH Rs.100,000 13.12.2017 Rs.155,097 13) MIRAE ASSET BANKING & FINANCIAL Rs.264,987 16.12.2020(STP) Rs.273,346 SERVICES FUND-GROWTH 14) MIRAE ASSET BANKING & FINANCIAL Rs.50,000 23.11.2021 Rs.44,129 SERVICES FUND-GROWTH 15) MIRAE ASSET GREAT CONSUMER FUND-GROWTH Rs.180,000 13.12.2017 Rs.284,600 16) MIRAE HEALTHCARE FUND-GROWTH Rs.200,000 09.11.2018 Rs.401,429 17) MIRAE ASSET MIDCAP FUND-GROWTH Rs.235,462 9.12.2020(STP) Rs.280,601 18) NIPPON INDIA SMALL CAP FUND-GROWTH Rs.100,000 12.12.2017 Rs.178,693 19) TATA FLEXI CAP FUND-GROWTH Rs.100,000 09.11.2018 Rs.149,127 20) TATA INDIA CONSUMER FUND-PLAN A-GROWTH Rs.100,000 09.11.2018 Rs.141,382 21) UTI SMALL CAP FUND-GROWTH Rs.100,523 22.12.2020(STP) Rs.137,025

Ans: Too many funds, please consolidate it in 4 to 5 funds

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 08, 2022

Question by Parminder - Aug 08, 2022Hindi

Money

I am 30 year old and currently investing 17k sip monthly in following fund and apart from this I put lump sum in this fund 15k 25k total whenever market corrects. Investment horizon 20 - 25 years. Planning for retirement @55 age. 1) Parag Parikh Flexi cap Rs 3k sip 2) HDFC corporate bond fund Rs 2k sip 3) ICICI pru saving fund Rs 2k sip 4) Axis mid cap Rs 2k sip 5) Axis bluechip Rs 1k sip 6) Quant absolute fund Rs 2k sip 7) Mirae asset emerging bluechip Rs 1k sip 8) Sbi small cap Rs 1k sip 9) Nippon India gold saving Rs 1k sip 10) Nippon India tax saver Rs 1k sip 11) Parag Parikh tax saver 1k sip Please suggest if I should make any changes or continue with same strategy.

Ans: Continue but with lesser funds; four to six funds are adequate for diversification purpose, after that it drags down the returns of the portfolio.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 14, 2020

Question by Sivakumar - Sep 14, 2020Hindi

Money

I have invested in the below funds via SIP. Need guidance if I can continue or should I switch LumpsumSBI Magnum Global Fund (D)HDFC Midcap Opportunities - Regular plan (G)SBI Gold fund - Regular planSBI Focussed Equity Fund - Regular plan (G)Franklin India Equity Fund (G)SIPICICI Prudential Bluechip Fund (G)HDFC Capital Builder Value fund - Regular plan (G)Principal Multi cap Growth fund - Regular planHDFC Capital Builder value fund (G)HDFC Midcap opportunities - Regular plan (G)SBI Magnum Gilt Fund regular growthL&T Midcap fund cumulativeICICI Prudential Regular Savings fund (G)MIRAE Asset Emerging Blue chip fund – Regular plan (G)Axis Bluechip Fund – Regular plan (G)

Name of the Fund	Category	Recommendations
Sivakumar
SBI Magnum Global Fund (D)	Equity - Thematic Fund - MNC	Continue
HDFC Midcap Opportunities - Regular plan (G)	Equity - Mid Cap Fund	Continue
SBI Gold fund - Regular plan	FoFs (Domestic / Overseas ) - Gold	Continue
SBI Focussed Equity Fund - Regular plan (G)	Equity - Focused Fund	Continue
Franklin India Equity Fund (G)	Equity - Multi Cap Fund	SmartSwitch to UTI Equity Fund - Growth
ICICI Prudential Bluechip Fund (G)	Equity - Large Cap Fund	SmartSwitch to Axis Bluechip fund -Growth
HDFC Capital Builder Value fund - Regular plan (G)	Equity - Value Fund	SmartSwitch to UTI Value Fund
Principal Multi cap Growth fund - Regular plan	Equity - Multi Cap Fund	SmartSwitch to UTI Equity Fund - Growth
HDFC Capital Builder value fund (G)	Equity - Value Fund	SmartSwitch to UTI Value Fund
HDFC Midcap opportunities - Regular plan (G)	Equity - Mid Cap Fund	Continue
SBI Magnum Gilt Fund regular growth	Debt - Gilt Fund	Continue
L&T Midcap fund cumulative	Equity - Mid Cap Fund	SmartSwitch to DSP Mid Cap
ICICI Prudential Regular Savings fund (G)	Hybrid - Conservative Hybrid Fund	Continue
MIRAE Asset Emerging Blue chip fund – Regular plan (G)	Equity - Large & Mid Cap Fund	Continue
Axis Bluechip Fund – Regular plan (G)	Equity - Large Cap Fund	Continue

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Archana Deshpande |103 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 05, 2025

Asked by Anonymous - Dec 17, 2024Hindi

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I am Priya from Varanasi, and I work from home as a project manager. I want some help to improve my digital body language, especially during video calls. I always try to stay focused and look engaged during meetings, but sometimes I feel like I might be missing out on some important non-verbal cues. How can I improve my online presence during video meetings and discussions with clients?

Ans: Hi Priya!

Wonderful to know that you are project manager and you want to improve your digital presence.

Body language is like learning any other language. It requires proper teaching, learning and then practicing the same to master it.

After the start of the work from home culture, taking care to present yourself well digitally has become very important.

It is important that you take care of your clothes, hair, make up, how much of you is visible, your backdrop, the angle of your camera, the use of your hands, the facial expressions, the voice modulation( so that ppl listen when you speak), you developing listening skills..... there is so much to learn.

I really cannot write here and teach you... this is all about showing you how to create your aura digitally.

This is my website..https://transformme.co.in/
Do get in touch to learn to create you amazing presence digitally.

Best wishes!!

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Image Coach, Soft Skills Trainer - Answered on Mar 04, 2025

Question by Sunil - Sep 10, 2024Hindi

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Hi Mam, Hope you are doing well. I am very worried about my son who is now 12.5 years old and studying in 7th standard in a very reputed school. Since childhood, he has no interest in studies, unless we doesn't seat in front of him, he doesn't study. Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class and the result is he doesn't get good marks in the exam. When we scold him for studies, he does it for that particular time only and then get back to his non-interest mode again and start to run from studies. He will play video games, goes to play around with his friends, he will find some or the other reason for not doing studies or homework. The irony is that he is not interested in any sports or any other kind of activities. In every summer holidays, we make him to join some sports or music classes, but there also he doesn't show interest and do things just for the sake of showing. From last year, we have started sending him to tuitions also, but no change in attitude. This year we have found a teacher of his reputed school who is retired and taking tuitions, we are sending him to her and she is charging a big amount for tuitions. please guide how can we change his attitude and make him more serious in any activity he does as he doesn't have interest in anything (we have observed doing everything we can).

Ans: Hello Sunil!!

I am doing great, thank you for asking, God bless you!

I can totally understand when you say you are worried.

Your son is 12.5, he will soon be a teenager. There will be different challenges, I want you to read up on parenting a teenager and be ready to handle him well.

The problem as I see it is that everyone of you, his teachers included have made studies like a burden for him.... and subjected the young child to a lot of anxiety, he just wants to run away form it....
"Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class".... this statement of yours... it is the teacher's duty to ensure the child listens to him/her, how can she start labeling a child like this. From a young age your son has been conditioned to believe that he is not not good in studies, he doesn't focus and he doesn't sit in one place. All my sympathies are with your son...every child comes with immense potential and it's our duty as parents and teachers to nurture the child.

The following is what I propose so that we bring him back to loving to learn ( not score marks, that should never be the barometer)-
1. Love your child the way he is now
2. Give him lot of positive strokes
3. Have one on one sessions for any activity you plan for him... let him choose the activity, empower him
4. choose a teacher, who can get along with him and help him develop a positive attitude towards studies and life in general
5. look for a school where they nurture him... not just a reputed one...less number of students and a teacher who is invested in her/ his students,

If you can connect with me, I can help him. Have had many a students in this kind situation.
This is my website..
https://transformme.co.in/

Loads of best wishes to the whole family..

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Hello mam, I am a BSc IT graduate. I have applied for a job at Credit Suisse that I aspire to crack and learn from. I have cleared the test and technical rounds and will soon be appearing for a personal interview at the Mumbai office. What kind of questions should I be prepared for? I only have 3 months of internship experience.

Ans: Hey, first of all congratulations on clearing so many rounds and reaching the personal interview round!!

Now regarding the preparations...

1. Be impeccably dressed for the interview, this shows you care. Also you need to appear professional and confident
2. Enter the interview room with confidence
3. Enjoy the whole process of being interviewed, it's about you, that's why it is called the personal interview
4. Prepare the questions that are relevant to your role and the company you will be working for. Know a little about the company's competitors
5. Prepare for the usual questions, tell us a little about yourself or introduce yourself, what are your strengths and weaknesses, why should we select you, etc .... these questions are for you to showcase the real you...in a positive light. This is where you show your authenticity
6. Prepare for the Q and A with someone asking you the questions and you replying

Have the confidence, you have come so far, I am sure you'll clear this round too!!

All the very best!

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Dear sir, my son has scored 99.614 in JEE Mains 1st session 2025. If he attempts 2nd attempt of 2025 & score below first session,which score does NTA consider. Is it averaging both scores? Please help.

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My daughter got 94.9 percentile in jee mains session 1 2025. Her domicile state is Assam and her category is general. Will she get nit silchar any branch

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Which is the best engineering college from cuet with strong alumni network and good placement?

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Asked by Anonymous - Feb 28, 2025Hindi

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Sir I scored 88 percentile in mains 1 session and belong to obc catagory . Which college I get to btech CSE or NIT with lower branch

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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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