sir, i have 50 paras defence at RS 626 and 50 thyrocare at RS 516, please advise to hold or to sell

Ans: for short term it can go down to 2215 due to following reasons:
Promoter decreasing their shareholding
PE higher than Industry PE
Degrowth in Revenue, Profits and Operating Profit Margin in recent results (QoQ)
Increasing Trend in Non-Core Income

if you are considering it for 10yrs then its a good company but buy in tranches which will help you in cost averaging.

Ans: its overvalued in terms of price

Ans: I think I answered the same question asked to me anonymously. Yes, he is correct. Only certificate course can help him. Best of luck. Just follow me. May God Bless You. Professor..............................................:)

Ans: Hello
Since your daughter is 13 years old and just started getting periods that is menarche, she is in her puberty. She is undergoing lots of hormonal changes which is very common in this age group from 10 to 12 to 14 to 16 years of age group.
She will be having physical, cognitive and psychosocial changes. She is bound to have mood swings, irritation, change in behavior. During this phase they are in establishment of own identity, autonomy, sexuality. Not going to school can happen cause if awkwardness in periods, scare of staining clothes, not able to perform activities as routine due to pain or bleeding.
All these are common behavioral changes in most teenagers.
1) We as a parent we need to make ourselves available for open communication. With our children without hesitation.
2) We should be more like friends to them than parents.
3) Openly speak to them regarding periods, all emotional and behavioral changes to them and reassure them that these are normal changes to happen and accept them with grace and understanding.
4) Engage the kids in other activities likes their hobbies and physical exercises to control adverse behavior.
5) Talk openly about sex to your children so that they know about self-care.

Ans: I feel you should consult your previous employer or even present employer & they should readily help you to settle your problem.
Most welcome for any further clarifications. Thanks.

Ans: flat to negative

Ans: You’re considering investing in build-up property in Delhi NCR. Your plan is to hold the property for 2-5 years. While real estate has traditionally been a popular investment, let’s carefully assess if it aligns with your financial goals.

Instead of recommending a specific location, we’ll focus on the broader aspects of this decision.

Real Estate: Key Considerations
Liquidity Issues: Real estate is a long-term asset. Selling within 2-5 years can be challenging.

High Transaction Costs: Stamp duty, registration fees, and brokerage charges reduce your effective returns.

Market Volatility: Property prices in Delhi NCR can fluctuate, affecting your investment value.

Holding Costs: Maintenance charges, property tax, and potential loan EMIs are ongoing expenses.

Regulatory Challenges: Delays in possession or approval issues are common in some areas.

Why Real Estate May Not Be Ideal
Lower Returns in the Short Term: Real estate often yields moderate growth over 2-5 years.

Limited Diversification: A significant amount of money gets locked in one asset.

Economic Dependency: Property prices depend on economic cycles, interest rates, and government policies.

Legal Risks: Title disputes and litigation are common risks in real estate.

Given these challenges, let’s explore alternative investment options for better flexibility and growth.

Mutual Funds: A Better Alternative
Investing in mutual funds offers liquidity, flexibility, and long-term growth potential. Here’s why you should consider this:

Benefits of Actively Managed Funds
Professional Management: Certified fund managers handle your investments.

Diversification: Your money is spread across sectors, reducing risk.

High Growth Potential: Actively managed funds aim to outperform the market.

Ease of Monitoring: Tracking fund performance is easier than managing property.

Why Avoid Index Funds and ETFs?
Underperformance in Specific Markets: Index funds follow the market but can’t outperform it.

No Flexibility: They lack active decision-making during market volatility.

Tax Inefficiency: Gains may not match actively managed funds' post-tax returns.

Suggested Investment Strategy
Start with Goal-Based Planning: Clearly define your investment purpose.

Allocate to Mutual Funds: Divide your corpus into equity, debt, and hybrid funds.

Opt for Regular Funds Through a CFP: Avoid direct funds to benefit from expert guidance.

Focus on Long-Term Growth: Hold investments for over 5 years for compounding benefits.

Diversify Across Sectors: Invest in large-cap, mid-cap, and small-cap funds.

Avoid High-Risk Real Estate: Shift funds to mutual funds for flexibility and steady growth.

Tax Considerations
Equity Funds: Gains above Rs. 1.25 lakh taxed at 12.5%.

Debt Funds: Gains taxed as per your income slab.

Real Estate: Capital gains taxes reduce effective returns.

Mutual funds offer better post-tax returns than real estate over similar periods.

Building Wealth with Flexibility
Emergency Liquidity: Mutual funds can be liquidated quickly during emergencies.

No Holding Costs: Unlike real estate, funds have minimal ongoing charges.

Scalability: Increase investments gradually through SIPs or lump sums.

Additional Suggestions
Insurance Check: Ensure you have adequate health and term insurance coverage.

Emergency Fund: Maintain 6-12 months of expenses in a liquid fund.

Retirement Planning: Channel savings into funds aligned with your retirement goals.

Avoid ULIPs and Annuities: These are costly and less flexible than mutual funds.

Final Insights
Real estate investments come with risks and low liquidity, especially over short durations. Mutual funds offer flexibility, diversification, and growth for your financial goals. Partner with a Certified Financial Planner for expert guidance. This ensures your investments align with your objectives.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: At 29, you’re focused on creating a strong financial foundation. You wish to invest Rs. 1 crore in a Systematic Withdrawal Plan (SWP) for passive income and another Rs. 1 crore as a lump sum for long-term growth. Let’s analyse your requirements and recommend a strategy.

We will focus on mutual funds that align with your goals.

Why Choose Mutual Funds?
Mutual funds provide diversification across multiple asset classes.
Actively managed funds have the potential to outperform market indices.
Professional fund managers bring expertise to maximize returns.
They offer flexibility for both long-term and short-term goals.
SWP Investment: Generating Passive Income
An SWP allows you to withdraw a fixed amount periodically. This strategy ensures a steady cash flow while your principal continues to grow. Here's how to plan:

Choose Debt-Oriented Hybrid Funds: These funds are less volatile and provide stable returns. They suit your need for regular income.

Focus on Balanced Allocation: A balanced mix of equity and debt ensures steady growth with moderate risk.

Keep Tax Efficiency in Mind: Long-term capital gains from equity funds up to Rs. 1.25 lakh are tax-free annually. Beyond that, gains are taxed at 12.5%. Choose tax-efficient funds to minimize tax outflows.

Set Realistic Withdrawal Rates: Aim to withdraw 4%-6% annually to sustain your investment for 15-20 years.

Avoid Annuities: Annuities lack flexibility and have higher tax implications.

Lump Sum Investment: Building Long-Term Wealth
Lump sum investments allow your money to compound over the long term. Here’s the strategy:

Invest in Actively Managed Equity Funds: These funds outperform index funds by leveraging market opportunities.

Opt for Diversified Portfolios: Choose funds that invest in large-cap, mid-cap, and small-cap companies. This ensures stability and growth.

Avoid Direct Funds: Regular plans through a Certified Financial Planner (CFP) provide better guidance and monitoring.

Include Sectoral and Thematic Funds Sparingly: These funds are riskier but can add value if chosen wisely. Limit exposure to 10%-15% of your portfolio.

Focus on Fund Performance: Select funds with a proven track record of consistent performance over 7-10 years.

Factors to Evaluate Before Investing
Risk Tolerance: Equity funds are ideal for long-term goals but come with market risks. Understand your comfort with fluctuations.

Liquidity Needs: While your SWP ensures passive income, ensure your lump sum investments align with your liquidity needs.

Taxation Rules:

Equity Fund Gains: LTCG above Rs. 1.25 lakh taxed at 12.5%.
Debt Fund Gains: Taxed as per your income slab.
Rebalance Regularly: Monitor and rebalance your portfolio annually. This ensures alignment with your financial goals.

Additional Suggestions
Emergency Fund: Maintain 6-12 months of expenses in a liquid fund. This ensures financial stability.

Health and Term Insurance: Secure adequate insurance coverage before investing. This safeguards your family in emergencies.

Diversify Beyond Equity: Allocate a small portion to gold funds for diversification.

Monitor Expense Ratios: Choose funds with lower expense ratios to maximize returns.

Avoid Real Estate and ULIPs: Real estate lacks liquidity, and ULIPs have high charges. Reinvest any ULIP funds into mutual funds.

Insights on SWP and Lump Sum Investments
SWP Growth Potential: Even with periodic withdrawals, your remaining corpus can grow over time.

Lump Sum Advantage: Long-term investments benefit from compounding, making them ideal for wealth creation.

Active Management Matters: Professional fund management ensures that your investments adapt to market changes.

Final Investment Plan
SWP Portfolio (Rs. 1 Crore):
60%-70% in debt-oriented hybrid funds.
30%-40% in balanced advantage or equity-oriented hybrid funds.
Lump Sum Portfolio (Rs. 1 Crore):
70%-80% in actively managed diversified equity funds.
10%-15% in sectoral or thematic funds.
5%-10% in gold funds or international equity funds.
Finally
A disciplined and diversified approach is essential. Partner with a Certified Financial Planner for professional advice. This ensures your portfolio aligns with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: MSc in Math unless you do it from some top college, may not have much scope. MBA could give you more options in your career.