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Jinal Mehta |94 Answers |Ask -Follow

Financial Planner - Answered on May 20, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
... more

Asked by Anonymous - May 18, 2024Hindi

Money

Hi Sir, I am 48 yrs old and I have invested in the following funds.. I have one sip of RS. 2000 in Mirage asset emerging bluechip fund since 2020 March. According to market position at present I frequently invest in these following funds 1. Quant active fund 2. Quant flexicap fund 3. Quant small cap fund 4. Canara robeco bluechip fund I have another funds in which I am not ivesting now but it gives me thrice returns. These funds are also in my portfolio * DSP small cap fund * HDFC midcap opportunities fund * ICICi pru value discovery fund

Ans: Dear investor, I need alot more information to evaluate your portfolio. I suggest you can reach me at www.beyondlearningfinance.com to get detailed evaluation of your portfolio

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 Jan 17, 2020

Question by Shailesh - Jan 17, 2020Hindi

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I am 39 years old. I am investing in following mutual funds: Name of the Fund Category RankMF Star Rating 1) HDFC Small Cap Fund Equity - Small cap Fund 2 2) Axis Bluechip Fund. Equity - Large Cap Fund 4 1) Tata Digital India Fund Equity - Thematic Fund - Other 5 2) Axis Bluechip Fund Equity - Large Cap Fund 4

Ans: 4 and 5 star funds can be continued; better small cap options are as under:

Small Cap:

Kotak Small Cap fund – growth
Axis Small Cap fund -growth

Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Apr 27, 2023

Question by chittanand - Mar 28, 2023Hindi

Money

DEAR MR.BOKIL I AM INVESTING MUTUAL FUNDS FRANKLIN PRIMA GROWTH -4000 PGIM INDIA GLOBAL EQUITY -2000 SBI BALANCED ADVANTAGE FUND 1000 KOTAK SMALL CAPS -GROWTH 1000 ICICI PRUDENTIAL -EQUITY GROWTH -1000 HDFC MUTUAL FUND GROWTH 2000 KOTAK MUTUAL FUND-MI CAP 3000 LAST 10YEARS HOLDING SBI -165 SHARE TATA MOTORS -50 TATAPOWER 75 CANARA BANK -75 ADANI PORT-25 COAL INDIA -25 KINDLY ADVICE MY AGE

Ans: Hello Mr Chittanand , Glad to see you are already into investing. Kindly reduce number of schemes and same nature schemes. As far as shares are concerned portfolio looks good but do book profits when you get them.
Kindly let me know what advice you need as your question does not say so

Ramalingam Kalirajan |6986 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Question by Anand - Jan 28, 2024Hindi

Money

Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.

Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

Milind Vadjikar |591 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 30, 2024

Question by Sanjeev - Oct 04, 2024Hindi

Money

Hi Myself Sanjeev Kumar from Himachal Pradesh, I am in mutual funds from last 3 years on below mutual funds 1. Aditya birla multicap fund (regular growth) ---- Rs 1000 monthly 2. Invesco India flexi Cap fund (Plan growth) ------ Rs 1000 monthly 3. Invesco India Multicap fund (regular growth) ---- Rs 1000 monthly 4. Kotak multicap fund (regular) ------------------------- Rs 1000 monthly 5. Kotak emerging equity fund (growth) --------------- Rs 1000 monthly 6. Kotak ELSS tax saver fund ------------------------------- Rs 500 monthly 7. Union tax saver fund (ELSS) ---------------------------- Rs 1500 monthly 8. Bandhan Nifty 200 momentum 30 index fund (regular plan) --- Rs 1000 monthly (started a month ago) Apart from above, I am investing in below also 1. PPF ---------------- 1.5 lac annually 2. NPD ---------------- 0.5 lac annually 3. LIC ----------------- 0.5 lac annually Si/mam i want to ask is my portifoilio good enough to produce at least 60- 70 lakhs in next 10-12 years returns or some reshuffling is required. If yes kindly suggest some good funds. Hoping to hear from you soon Thanks

Ans: Hello;

Your mutual fund monthly sip of 8 K need to be increased to 10 K ( maybe you can add 2 K additional investment in Kotak ELSS tax saver fund).

PPF and other investment should continue as planned.

This will ensure your MF corpus + PPF will reach 60 L+ in value over 12 years.

LIC policy maturity sum and NPD will be bonus.

Funds are good. No need to change.

Happy Investing;

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Milind Vadjikar |591 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 07, 2024

Question by Samar - Nov 06, 2024Hindi

Money

I have EPF contribution with Patni software now acquired by Capgemini.. my EPF of 2004 doesn't have UN number how can I withdraw the EPF.. send reply

Ans: Hello;

You may Log in to the EPFO website and navigate to the Inoperative Helpdesk.

There enter all of the data of the inactive EPF account and provide KYC information such as your Aadhaar number, PAN number, bank account number, and IFSC code.

The application will then be reviewed and handled by EPFO authorities.

Best wishes;

Anu Krishna |1281 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Nov 04, 2024

Relationship

My age is 47 male and my partner age is 41 we have a child of 12 years old i didn't had sex for more than 3 years and my partner is not interested in sex what is the solution ?

Ans: Dear Anonymous,
Did physical intimacy stop all of a sudden? Like, what could have led to your partner not wanting sex?
Usual causes:
- Hormonal changes in your partner causing disinterest
- Boredom of the usual routine in the bedroom
- Lack of intimacy and closeness outside the bedroom scene
- Loaded with housework that leaves your partner tired
- Sense of non-accomplishment if she is used to working earlier and is not doing that anymore
- Need to do something different other than taking care of the house in case she is a full time homemaker

I guess the only way to find out is to find out from her...focusing on her needs may help you ease on your needs...Start with her first and LISTEN to what could be going on in her mind.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1281 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Nov 01, 2024Hindi

Relationship

Im 54 married my wife 44 since our marriage 22 years all is fine even in my trouble time my wife supported me fully but last 2 years we are no contact situation even we shaare same house we have 2 kids 18 and 12. Last 2 year back she met her school friend from there she is ignoring me don't know how to fix it i Dought she has a affair with him. But m not getting clue. Hiw to find it

Ans: Dear Anonymous,
It's a wonder as to why she would suddenly be different from what you have been used to. It's also natural to pinpoint it to her reconnecting with her school friend if there is no other recent changes or events that might have caused her to act very different. The best is to ASK...she may not even be aware of her behavior change or the impact certain things are having on you.
While you have that chat, it will give you a fair understanding of what is going on with that friend of hers.
Communication is better than Assumption and in your case, it's best to talk things through...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1281 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Oct 07, 2024

Relationship

Hi, I am a 48 year old unmarried woman. I stay with my parents and we 3 enjoy our life in our own way. I have 2 married elder sisters and share a loving relation with them. In short I am blessed with a loving and supportive family. But at times I miss having a man in my life. We have tried so hard but nothing materialised on the marriage front.All men in my age group either married or divorced with kids. Do u think its ok to get married if I find someone whom I like. Sometimes I feel i should atleast date someone and if marriage is to happen it will. I am single for a very long time. I am grateful to God for all the good things I have in my life. How to find someone no clue. Have tried thru matrimony no success. Not interested in any dating app. Nor interested in casual dating with a younger guy. I need someone of my age or elder. Pls advise. Thanks..

Ans: Dear Anonymous,
Of course, you must date someone if that's what you want and it's possible by entering the right social circles. Something that interests you can be a point of meeting; gym, sports, music groups, dance groups, theater groups...the list is long...
It just takes that little effort to join one of these and meet a few like-minded people who are not just into casual dating but are interested in pursuing a connection with you...So, give it a shot!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1281 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Sep 28, 2024

Relationship

I had lost my virginity before marriage, at the age of 18 and now I'm 26 years old but now I Going to marry someone else.did my future husband know that I have lost my virginity when I have intercourse with my ex, we had 7 to 9 years of relationship till now but that relationship did not worked so we broke up recently. Now I'm going to marry next year ending. What should I do? Its a arrange marriage if he knows all that shits then my family reputation is also harm. What should I do to this situation. I can't tell anyone about this and what is the solution that he never know about my past life..i want to hide from him that I'm not virgin.

Ans: Dear Anonymous,
You have lost your virginity, so be it!
And what are you making a big noise about it, family reputation etc...are you serious that the boy's side is going to do a medical examination or send some elderly aunt to inspect you? Which age are you living in?
Oh and by the way, how do know the boy is a virgin? Or is this great responsibility only that of a girl?

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1281 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Question by harsh - Sep 16, 2024Hindi

Relationship

Help me!!! 1.I'm starting new "work" on my own(challenging for me) but my mind says quit it, be quite & do nothing. I myself don't know that wether the result of work will be +ive or uncompleted like alws. 2. My mind has become like order seeker type, when someone orders me, I do those things with dedicated(but sad from inside) manner. But when myself will try something different(which i fear, but necessary) then. "I QUITS IT" & sometimes I don't even start. 3. I'm like stuck no clue what/whom I want to do in life, I'm in cllg(1 yr) doing (CSE) ,. 4. I want to do/try (sports,talking girls,study,stocks,coding..) many things, but myself, my thoughts(overthinker), R like just be in the place where u are[confused,po*n,think about past/future(being billio..re,olympics..), girl (that u liked & never talked), abusive/beating self,.. sometimes feels like end life, but don't hv courage for that also.. 5. I tried self help books, spirituality, god, self affirmation, writing... & thay affected me(sometimes) but for only some time, then again that devil me comes up &these things never get completed. As no one in my family knows about all these, so that's Y ,I hv to fight/loose/try again, the battles with myself.

Ans: Dear Harsh,
If in the past you have had the urge to QUIT, how is this time going to be different? This is not to discourage you from taking up 'new work' but pointing out that there is some amount of work that you need to put to clear the mind out of blockages.
-What is limiting you?
- What is the reason for putting off things?
- What comes first to the mind when you start something new?
Also, focus on one thing at a time; study and go deep into it...what's this thing with work? I don't understand. When the mind is unsettled, take one thing/activity, pursue it and finish it. It could simply be studying for Year 1 of your college...just only do that...once your mind is trained in completing an activity, you can add another one the next year along with studying and then pursue both...it could be some sport and studying...then the next year, you could add a third activity. This is called 'training the mind in discipline'. Discipline will make sure that you start and finish things...So, go slow and do one thing at a time.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Dr Pananjay K Tiwari |95 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 07, 2024

Question by Krishan - Aug 27, 2024Hindi

Career

Hello Sir, Greetings. What will be the expenditure for MD abroad, after doing MBBS in India.? Also please let me know which country is the best.? Kind regards Krishan

Ans: Hi Krishnan
The cost of pursuing an MD abroad after completing MBBS in India varies by country. In the USA, expenses can range from $200,000 to $300,000, including tuition and living costs. Germany offers affordable MD options with minimal tuition fees, though learning German is required. The UK has high tuition costs but offers globally respected programs; both the UK and Germany are popular due to their structured pathways for international graduates.

Dr Pananjay K Tiwari |95 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 07, 2024

Asked by Anonymous - Aug 27, 2024Hindi

Career

Sir,my daughter is in third year BTech in Bioengineering.She wants to pursue Masters in Bioinformatics but I am confused which country like USA ,Canada , Germany or Ireland should I opt for looking from job prospects.Kindpy suggest suitable country

Ans: Hi...For job prospects in bioinformatics, the USA and Canada are excellent choices due to their strong biotech industries and demand for bioinformatics professionals. Germany is also ideal, especially for affordable education and a growing job market in biotech. Ireland is a good option with its vibrant pharmaceutical sector, though job opportunities may be more limited than in North America.
You can visit us at www.shreeoverseaseducation.com

Dr Pananjay K Tiwari |95 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 07, 2024

Question by JABEZ - Oct 07, 2024Hindi

Career

Sir I'm studying my MBBS in Kyrgyzstan which country can I dom my PG

Ans: Hi Jabez
After completing your MBBS in Kyrgyzstan, popular options for pursuing a postgraduate (PG) degree include Germany, the United States, and the United Kingdom, each offering high-quality training with different entry requirements. Germany is affordable and has a strong medical education system, though learning German is essential. The U.S. requires passing the USMLE for residency, while the UK requires the PLAB exam and offers recognized, globally respected programs.
You can visit us at www.shreeoverseaseducation.com

Dr Pananjay K Tiwari |95 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 07, 2024

Asked by Anonymous - Oct 30, 2024Hindi

Career

Hello sir, I am a student from Mumbai pursuing Bachelors of Commerce Specialised in Accounting and Finance I will graduate in May 2025 also I am currently doing US CMA which I'll clear by October 2025. I only have 12+3 years of education and I want to go abroad just to have 12+4 years of education what additional course should I pursue that will be of 1 year in accounting and finance because I am planning to go abroad in September 2026

Ans: Hi....Given her immigration timeline, pursuing premedical studies in the USA might be a smoother path. Medical colleges in India generally don’t allow extended breaks, and taking a mid-course hiatus could disrupt her MBBS studies. In the U.S., she could complete a premedical program, keeping her eligible for U.S. medical schools, which aligns well with her eventual move. Alternatively, if she begins MBBS in India, she’d need to carefully coordinate her timeline, potentially transferring to a U.S. medical program if feasible.

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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