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Samraat Jadhav |2088 Answers |Ask -Follow

Stock Market Expert - Answered on Jul 17, 2023

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Question by Naveen on Jul 11, 2023Hindi

Money

I have 600 shares of Balaji amines ,900 shares of JSW steel,100 shares of Indian Hotels and 200 shares of JTEKT so shall i hold them or churn my portfolio i am a long time investor please suggest.

Ans: Churn it, JSW steel and Indian Hotels are good to hold.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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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I have below mentioned shares in my portfolio kindly suggest me what should i do...hold or sell. BINANI INDUSTRIES EQ BRANDHOUSE EQ COAL INDIA LTD-EQ GMR INFRA - EQ RE 1 GUJARAT NRE COKE-EQ JAIPRAKASH-EQ RS 2/- JAYPEE INFRATECH- EQ JET AIRWAYS(I) LTD RELIANCE INDUS-EQ TV18 BROA-EQ RS 2

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Question by K - May 17, 2023Hindi

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Good afternoon sir, I am a long term investor and have a following shares in my portfolio and I seek your advise whether to hold or sell these shares? ADITYA BIRLA SUN LIFE AMC LTD 20 AVENUE SUPERMARTS LTD DMART 18 AXIS BANK LIMITED 50 BAJAJ FINANCE LIMITED 10 BHARAT FORGE LIMITED 50 CIPLA LIMITED 30 FINE ORGANIC INDUSTRIES LTD 19 GLOBAL HEALTH LIMITED 44 HDFC LIFE INSURANCE COM LTD 100 HINDUSTAN AERONAUTICS LIMITED 24 ICICI LOMBARD GEN INSURANCE CO 39 VODAFONE IDEA LIMITED 2000 INDIAN ENERGY EXCHANGE LIMITED 210 INDIAN OIL CORPORATION LIMITED 150 INFOSYS LTD 48 ITC LIMITED 300 KARUR VYSYA BANK LTD 770 KOLAR BIOTECH LTD. 1000 LIFE INSURANCE CORP OF IND LIC 20 MANKIND PHARMA LIMITED 26 METROPOLIS HEALTHCARE LIMITED 17 NUVOCO VISTAS CORPORATION LTD 52 PNB HOUSING FINANCE LIMITED 31 SBI LIFE INSURANCE COMPANY LTD 30 STATE BANK OF INDIA 100 SUNIL HITECH ENGINEERS LIMITED 2000 SYRMA SGS TECHNOLOGY LIMITE 68 TATA CONSUMER PRODUCTS LIMITED 83 UJJIVAN FINANCIAL SERVICES LTD 130 UNIPARTS INDIA LIMITED 25 WHIRLPOOL OF INDIA LTD 22 YES BANK LIMITED 1150 Thanking you sir in advance.

Ans: too too many shares and very low quantity. build conviction and buy less stocks but more allocation. i like the following 8 stocks the most, and will suggest to add more on dips:

1. axis bank, 2. bajaj fin, 3. infosys, 4. ITC, 5. HDFC life, 6. SBI, 7. Tata consumer, 8. Syrma SGS

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Question by K - May 23, 2023Hindi

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Dear Sir, My Portfolio is SBI, Adani Ent, Adani Green, IDFC and TVS Motors. Should I hold all or sell few. Pl suggest. Regards

Ans: Good portfolio. i would like if you add to SBI for now, it is good value. rest of stocks are also good.

please note : Investing strategies depends on your risk appetitive, so Please consult your financial advisor and then take further decision.

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Hello, I am holding following shares in my portfolio Qty . Avg cost Indo rama Synthetics 250 10, Ritesh Industries & properties 2000 10 Grasim Industries 450 10 , Ultra Tech 25 100 Please advice whether to hold or sell the above shares

Ans: Not the best of holdings. I like Ultratech for long term.

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My daughter is studying BAMS like to know her carrier prospects

Ans: Hi Joy,

Congratulations on choosing BAMS as your career path!

Since the pandemic, many candidates have been increasingly drawn to the Indian system of medicine. It's important for her to learn about VPK principles. Without a solid understanding of VPK principles, it can be challenging to practice effectively in this field. Additionally, many herbal and Ayurvedic drugs are not widely recognized; if she conducts research on these, she could truly excel in her career.

**Opportunities include:**

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To enter the AYUSH department or pharmaceutical companies, she should develop competency and knowledge of herbs as they relate to clinical trials and manufacturing.

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Ans: Hi Harmit,

It's great to hear that your son has completed his medicine course. Please convey my greetings to him! Since he has studied medicine abroad, he will need to pass the licensure exam in India (FMGE). After clearing this exam, he must undergo an internship. Once he finishes the internship, he will be eligible to pursue higher education, such as an MD or MS.

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Asked by Anonymous - Nov 10, 2024Hindi

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Hi, I am 32 and want to invest 50K per month, planning to have 25 crore for my retirement planning. Can you pls help to create a portfolio? Also advise me apart from SIP's what more could give similar or potential returns .. Thanks in advance!

Ans: Hello;

You may begin a monthly sip of 50 K in a combination of pure equity & hybrid mutual funds and do a top-up of 8% each year for 28 years so as to achieve your target of 25 Cr.

Allocation could be as follows;
1. Multicap Fund: 25%
2. Flexicap Fund: 25%
3. Large and Midcap fund: 25%
4. Multi Asset Allocation fund: 10%
5. Small cap fund: 10%
6. Gold fund: 5%

Apart from MFs, NPS, ULIPs, ULPPs, real estate are other investments that could help build a retirement corpus.

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Question by anna - Nov 09, 2024Hindi

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my name is aanya. im in my 3rd year of bsc biotechnology hons and soon about to complete my degree. In my 3 year degree, i hated labs and research. I have realized that i don't want to pursue research further. Please help me figure out what career would best suit me as im very indecisive and unclear about my career. I am planning to prpare for GMAT as my last option.

Ans: One thing is clear that you couldn't accept Biotechnology hons as your career. You told GMAT is your last option. Why you are saying so? Before opting for a course of three years students don't even ask them for only three hours. Without any decision they accept a subject and that is the major mistake. First ask yourself what is your choice. You can Give GMAT, but in management also there are more than twenty streams e.g. HR, Marketing, Finance, Operation, IT, Hospital Management, FINTECH etc.etc. So first be clear about your choice, Just follow me here and join me in LINKEDIN for getting future counselling. All the best. GOD BLESS YOU..............................:)

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During younh age 3 credit carf payment were delayed and settled bu bank. My cibil score now is 765 this is due to past faults 20yrs back. How can i rectify iy?

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Insurance, Stocks, MF, PF Expert - Answered on Nov 09, 2024

Asked by Anonymous - Nov 09, 2024Hindi

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Hello All . Looking for some advice I am 36 yr old and working class with Sal of 32 lakhs per annum Current savings are 33 lakhs in PPF / PF and Gratuity 3 lakhs in Shares and Mutual Fund 10 lakhs in Physical Gold 20 lakhs in Cash Liabilities Home loan outstanding 30 lakhs I wish to retire with corpus of 5cr and at age of 50 What do you think should change in my current portfolio

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

Asked on - Nov 10, 2024 | Answered on Nov 10, 2024

Thank you for detailed analysis Does my current investment show some stable corpus ? Forgot to mention the Home that I own the current is 1.60 Cr with outstanding loan of 30 lakhs

Ans: Hello;

Your investment is quite stable since it comprises mostly of debt(PF), gold and liquid cash. (Self occupied property is reckoned as nil value investment in financial planning).

But you need exposure to equity through some way (NPS, MFs, not direct stocks) for growth.

However if you are a risk averse investor then you may do corpus building through the assets other then equity but you may have to put large sums since returns from these asset classes are relatively lesser compared to equity.

Equity asset class is volatile in the short to medium term but over long-term (7 year+) it is comparatively less volatile and yields relatively better returns.

Prepay the home loan as early as possible.

Happy Investing;

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Asked by Anonymous - Oct 10, 2024Hindi

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I am 6 weeks pregnant. Only the gestational sac is visible. There is no heartbeat. I am worried and sad. What could be the possibility? Please help.

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Career Counsellor - Answered on Nov 09, 2024

Question by chandini - Apr 29, 2024Hindi

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Hi iam 32 year old mechanical engineering graduate. Iam a home maker since I completed my graduation. Now I want to do something in my life, learn different things, earn along with taking care of my family(husband and children). Iwas a very good student till engineering 2nd year then I lost interest because of stagnant studies in our college and no practicality. No one was there to guide us in our college. Now iam getting from my deep with in I should do something, I should learn and grow daily. I should earn and be financially independent and free financially till the age of 42. Can you please suggest me what are my opportunities, how can I grow ? Iam also interested in mathematics and history, these days I have a liking towards computer sciences too. What will you suggest?

Ans: Great question. Why 42. You will start earning from 2025 only. Just go for some certification course of DATA SCIENCE which will include AI cum Machine Learning. Since you are an engineer this course won't be a problem for you. Just before joining the course for 1-2 months see the YOU TUBE videos about coding. Never it is too late. It is good your self motivation is ignited yoir mind to do something. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

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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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