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Advait

Advait Arora  |1263 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more
Lakshminarayanan Question by Lakshminarayanan on Jul 04, 2023Hindi
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Sir, Please advise best shares in Adani Group for short and medium term investment

Ans: Cant say short term, but adani ports is a great long term pick
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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Vivek

Vivek Shah  |60 Answers  |Ask -

Financial Planner - Answered on Feb 23, 2023

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Sir what is your advice to buy shares of Adani group companies? which company equity shares you will advise to buy from Adani group.
Ans: First of all we need to understand the questions being asked by Hindenberg and try to evaluate whether the allegation made by them makes any sense. If anyone goes through the Hindenberg report than the allegations and questions asked can be bifurcated into below broad categories:

1) Violations of Exchange and listed rules
2) Dubious Intra- Party Transactions
3) Use of Shell companies outside india ( Mauritius) to manuipulate the stock price
4) Money laundering through private Adani companies in listed companies of Adani inorder to look Balance sheet good.
5) Inexperienced Chartered accountants to audit the companies.
6) Using stocks as collateral for debt.

Looking at this points and also the allegations done by Hindenberg, i am fine to believe that there are few acts which they taken for granted and manipulate the exchange and listing rules but calling Adani company as CON or Fraud is not what i would call this company. Companies margin are very low as compared to their cost of capital but being an infrastructure led company its takes long gestation period to realise the cash flows.

Adani is playing important role in building infrasturcture in India with ports, power, airports etc and even though company is highly levered to build the assets and cash flow, the company has good physical assets in the balance sheet. Even though it may not a investible company for a retail invstor with the sort of volatility and margins they are earning.

Valuations are very much stretch with last 2 years price going to the roof. As a retail investor, one should avoid this company due to many uncertainties going forward.

Out of all Adani Companies, Adani Ports have the most comfortable position.

Disclaimer: This is just for educational purpose and this should not be taken as advise for buy or sell.

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Milind

Milind Vadjikar  |161 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 19, 2024

Asked by Anonymous - Sep 17, 2024Hindi
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Dear Sir, I have another question: I have been investing in the Bajaj Allianz Life Goal Assurance Plan for the past five years, which is a combination of insurance and investment. The total premium payment duration is 10 years, with a SIP of ?10,000 per month, followed by a lock-in period of an additional 5 years So far, my monthly contributions of ?10,000 have grown to ?9.40 lakhs, with an approximate CAGR of 16%, although the insurance coverage remains at ?12 lakhs. Initially, I did not have much knowledge but continued investing due to the plan’s market-linked structure. For the first five years, my funds were allocated to Pure Stock II and Equity Growth funds basically large-cap. Recently, mid-cap and small-cap index funds were also added to their portfolio. Now that I’ve completed 5 years of investing in large-cap components, I am considering allocating the remaining 5 years to mid-cap and small-cap funds, without increasing the SIP. This would be done through a fund switch from large-cap to mid-cap and small-cap or by dividing the allocation equally—25% each across pure-stock, equity growth, mid-cap, and small-cap funds. Would you recommend this strategy while allowing the large-cap corpurs from the first 5 years to grow at their own pace and remaining 5 years switched into mid-cap/small-cap. Since the policy will mature in 2034, this gives me ample time for the investment to grow, allowing the corpus to build significantly over the remaining years
Ans: Since you are looking for 10 year time horizon, I recommend you divide the allocation equally(25%) across pure stock, equity growth, midcap index and small cap quality index funds.

Happy Investing!!

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Radheshyam

Radheshyam Zanwar  |892 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 19, 2024

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I am bsc cbz(chemistry botany zoology) 2nd semester student in bikaner rajasthan and my age is 22 and general category and want to pursue research msc than phd but confused about the scope in india in research field i am from middle class family . I dont want to become a school/ coaching teacher but can look for assistant professor and i am not interested in doing msc in chemistry or physics want to do in biotechnology microbiology etc. please help me ????????
Ans: Hello APRK.
You can pursue an M.Sc. and aim to go for P.Hd. There is a lot of scope for research field in India. To become an assistant professor, you must have a minimum qualification of M.Sc. If you are not interested in M.Sc. Chemistry / Physics, then you can go with Biotechnology Microbiology. This is also a good option for you.
In my opinion, there is no point in diversifying yourself without any reason. The correct path is B.Sc. then M.Sc. and then P.Hd. Join as an assistant professor in any college and even though you don't want to join any school/college, you can join any big coaching center or start your coaching. Without any confusion at this stage, just focus on your B.Sc. and try to excel In it with a high %tile for a better future in PG and P.Hd. While pursuing a B.Sc., if possible join some computer courses related to AI, Website development, Mastering Excel, Business Automation, etc. to have an added advantage from a job placement point of view.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

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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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