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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 01, 2022

Mutual Fund Expert... more

Question by Karthik on Sep 01, 2022Hindi

Money

Please advise. I am investing in the following MF SIPs:

Axis Flexi cap fund 6000/- from April 2022

Axis Bluechip 5000/- from Nov 2021

Canara Robeco Blue chip 5000/- from Feb 2022

Canara Robeco Emerging Equities 5000/- from Jan 2022

Icici value discovery 5000/- from May 2022

Mirae Asset Emerging Equities 2500 /-From Jan 2022

Franklin India Focussed Eq Fund 2500/- from Sep 2016

Sbi flexicap fund 2500/- from Sep 2016

Mirae Focussed fund 5000/- from Sep 2019

Ans: These are good funds, please continue.

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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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Oct 06, 2022

Question by Garg - Oct 06, 2022Hindi

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HALLO I AM PURSHOTTAM LAL AND MADHUBALAINVESTOR LAST 20 YEARS IN MF SCHEME. MY COMBINED INVEST FOLLOWING MFS: 1.ADITYA BIRLA SUN LIFE FOCUSED EQUITY FUND ( SIP AMOUNT 2000)/PM/21-01-2013 TO 21-01- 2025) LUM SUMP -25000/( WHEN MARKET WAS FALLEN ) 2.AXIS BLUE CHIP FUND ( SIP AMOUNT 5000) 17/3/2020 TO 17/3/2025. LUM SUMP = 25000 @ 34.50 ( 18/9/2020) 3.AXIS MULTI CAP FUND DIRECT PLAN LUM SUMP- 20000@9.39 ( DATE OF INVESTMENT 4-12-2021/26-05-2022) 4.CANRA ROBECO EQUITY TAX SAVER FUND REGULAR PLAN SIP AMOUNT 2000/ FROM 7-07-2011 TO 7-06-2030 5. DSP FLEXI CAP FUND (SIP AMOUNT 2500/PM) FROM 25-08-2020 TO 25-08-2030) 6.DSP TAX SAVER FUND DIRECT PLAN ( 10 YEAR COMPLETE) SIP AMOUNT 2500/COMPLETE ON 10-7-2022) PLESE TELL ME DSP TAX SAVER FUND SELL IT OR HOLD/NEXT 5 YEARS 7. ITI VALUE FUND LUM SUMP -20000 8. ICICI PURDENTIAL HEALTHCARE EETF FUND ( LUMSUMP 10000( 1.5 YEARS AGO) 9. MAHINDRA MANULIFE BALANCEDADVVANTAGE YOGNA LUM SUMP 10000/23-12-2021 10.UTI FOCUSED EQUAITY FUND-------LUMMP- SUMP-20000 ( 25-8-2021) PLEASE TELL ME 7 TO 10 Sr No FUNDS SELL IT OR HOLD IT OR SWITCH IT?

Ans: Hello Garg pankaj kumar. My recommendation would be to switch to better schemes of the same AMC for ICICI & UTI.

ITI & MAHINDRA MANULIFE should be redeemed and reinvested in better schemes of different AMCs.

Hardik Parikh | Answer |Ask -Follow

Tax, Mutual Fund Expert - Answered on Apr 07, 2023

Question by Manoj - Mar 29, 2023Hindi

Money

Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj

Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

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Mutual Fund Expert - Answered on Jun 22, 2023

Question by Sushanta - Jun 05, 2023Hindi

Money

I am a retired Bank of Baroda executive of 65 yrs old drawing pension, started mf investments late since Nov,2021 and presently having investement in following mf. Pl give yr suggestion . Bal adv fund of Rs 5.00 lakhs on Aditya Birla SL with swp amount of Rs 3000/ Bal adv fund of Tata MF for Rs 5.00 lacs with swp amount of Rs 3000/ Monthly SIP of Rs 2000/ on Axis bluechip fund( lumpsum investment of Rs 50000) Monthly SIP of Rs 2000/ of Baroda BNP Paribas large & mid cap fund ( lumpsum investment of Rs 50000) Monthly SIP of Rs 4000/ of Canara rebeco flexi cap fund. Lumpsum investment of Rs 1.60 lacs of Nippon India flexi cap fund. Lumpsum investment of Rs 0.60 lacs of Kotak manufacturing fund. Monthly sip of Rs 2000/ of nippon india small cap fund from January,2023. Monthly sip of Rs 2000/ of SBI magnum midcap fund ( lumsum invested Rs 40000)

Ans: Hello Sushanta and thanks for writing to me. Please elaborate on your objectives and risk appetities to understand your needs and requirements better.

As a general rule, balanced advantage funds can be good schemes to begin SWP's.

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Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Question by Vaman - Jun 22, 2023Hindi

Money

I have following MF investments all regular growth all purchases on initial offer of ten rupees. 1) Aditya Birla Sun Life focused equity fund -1200 units 2)Dsp world gold fund -500units 3)Hdfc banking financial services fund 1200. Units 4) Hdfc defence fund 1000units 5)Hdfc flexi cap fund 50 units 6)Hdfc mid cap opportunity fund 260 units. 7) Hdfc flexi cap fund 30 units 8)Hsbc value fund 450 units 9)Hsbc elss fund 500 units 10) Kotak global innovation fund 1200units 11)Kotak international REIT fund 500 units 12) Kotak flexi cap fund 260 units 13)Nippon India low duration fund 10 14)Sbi blue chip fund 1000 units 15) Sundaram focused fund 1300 units 16)Tata mid cap growth fund 350 units 17)Uti nifty 500 value 50 index fund 18100 units (Units transfered form Uti focused equity fund) 18)Uti mid cap fund 700 Units 19)Uti flexi cap fund 1000 Units 20)Uti Master Share Units 21)Uti nifty 50 equal weight index fund (Latest offer) Sbi infrastructure fund 500 units Following funds are all regular growth from Icici prudential fund. 1) Pharma health care & diagnostic fund 800 Units 2) Manufacturing fund 4300 units 3)India opportunities fund 2200 units 4) Flexi cap fund 5000 Units 5) Housing opportunities fund 2500 units 6) Balanced advantage fund 550 units 7)Psu equity fund 2800 units Sir I want to invest in Uti S&Phousing fund and Icici transaction & logistics fund 1000 units each.. Should I make some fresh investments or invest by transferring from existing Uti fund & Icici fund I am 75 years old. No urgent need of funds. Advise how-to proceed. Redy for taking risk.

Ans: Firstly, let me commend you for your disciplined approach towards investments. Your diversified portfolio reflects a well-thought-out strategy, which is commendable at any age, let alone at 75. It's heartening to see your willingness to adapt and continue investing even at this stage of life.

Given your age and risk appetite, while you're ready to take risks, it's crucial to balance it with the need for stability and liquidity. When considering adding new funds like Uti S&P Housing Fund and ICICI Transaction & Logistics Fund, you have two options: fresh investments or transferring from existing funds.

Transferring from existing holdings might streamline your portfolio, reducing the number of funds to manage. However, this could also entail exit loads or tax implications. On the other hand, fresh investments allow you to diversify further without disturbing your existing investments.

Considering no urgent need for funds, you might explore transferring from funds that might have underperformed or align less with your current investment strategy. Still, I'd strongly recommend consulting with a Certified Financial Planner to ensure a balanced approach that caters to your evolving needs while optimizing returns. After all, life is a journey, and managing your finances is a part of that journey, requiring both wisdom and adaptability.

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Hello Doctor. My daughter is 16+ and has irregular periods. She missed her last two period cycles. What should i do now do i need to consult a gyno or GP. Pls suggest.

Ans: A girl's body may not follow an exact schedule. It's common, especially in the first 2 years after a girl starts getting her period, to skip periods or to have irregular periods.
Irregular periods happen because of hormonal changes, weight gain, or rapid weight loss, illness, stress, sedentary life or gynecological issues.
But if periods become very frequently irregular
Please visit your gynecologist
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Asked by Anonymous - Nov 27, 2024Hindi

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Hello Anu, I want to talk about my something that has been bothering for a long time now. I am 28 years old now. I had immense body image problem as a child because I was often made fun of because of my obesity. With time I became active in school, participating in various events and was good at studies. When I was about 15 years old I started to experience hair loss as well but not too noticeable at the time. After the 1st semester in college I was able to shed excess weight and I started to feel good about how I looked, but the hair loss also continued and my confidence took a massive hit. I also found it quite difficult to commit to a relationship because I was afraid how others would perceive me and I would not be able to handle it. I was not able to keep myself happy so how could I keep someone else happy. Over the years I have kept myself occupied with my job and tried to be as social as I can be, but there has never been a moment where I could just switch off the feeling of being bothered by my hair loss, I did not let go of what I wanted to be, I just wanted to have a time where I would not be made fun of. I was quite sensitive emotionally and this aggravated after hair loss. I always feel that I could not enjoy my teenage life the way I wanted because of something that I don't know how it started. It's frustrating. I feel this huge gap between how am I supposed to be at my current age and what I actually feel as a person right now. Although I have tried to introspect even more this year and tried to accept that I will just have to find a match with what I have, I just don't understand how should I approach this. Sometimes I simulate it as business deal. My hair loss is not really something that a partner may be looking forward to. I still feel like I am not 28 years old. I am not supposed to be like this at 28. I know that there are others out there in the world in my age group who have also experience this, but I feel so isolated here just like how I used to feel as a child when someone would make fun of my weight among a group of kids. What should I do?

Ans: Dear Anonymous,
It's misshapen identity...Ultimately the only person who can accept you for who you are, is YOU. People are always going to have something to say about the way you look, what you eat, how you speak...
So, building your identity has to come from you, within you.
- how do I see myself in the mirror?
- what words do I use when I describe myself?
- what happens when I meet people?

A few questions that will give you a reality check. Self-talk is so undermined and we are the first ones to put down ourselves. Obviously, there are parts of your personality that you have overlooked as you have only focused on hair loss. Maybe you have a beautiful smile or you can hold conversations at length.

Actually do this:
Make a questionnaire that will help you figure out what people think of you. Ask these to at least 15 people. You will see the gap between how you see yourself and how others see you. This will help you when you are actively seeking a life partner as you will approach the same thing with confidence and assurance.
And maybe you can see a doctor who can help you with regaining the lost hair. Yeah?
You feel isolated because of your self-talk; so, be kind to yourself.

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

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Question by Akshay - Nov 26, 2024Hindi

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Hi, ma'am my GF told her parents last 4 months but still not agreeing for our marriage and 2 days ago she was beaten a lot by her mother and father..and they sent her to the village to her relatives and they also took her mobile phone and now we are not getting in touch so what should we do now?

Ans: Dear Akshay,
Clearly her side of the family isn't going to value your relationship and it is also harming the lady. What can you do? When you don't know where she is, even if you find her, again this is going to put her at risk.
Take a Pause and let things settle down a bit please, so that her parents' anger settles a bit. By the way, how old are you and how old is your girlfriend? Beating up a grown woman? What else is going on there?

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Relationships Expert, Mind Coach - Answered on Dec 04, 2024

Question by Vasuki - Nov 27, 2024Hindi

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Hi Ma'am, I am in a relationship with my colleague, and I told my mother about it. She wanted to meet him, and our parents met each other. Initially, they all agreed to our marriage. However, suddenly my mother changed her mind and said she doesn't agree with our marriage because he is not from our caste. She also said she is afraid to give her daughter to him and mentioned that our other relatives will not accept this marriage. Now, she wants me to marry her brother's son, but I really love my partner and cannot imagine living without him. We are deeply in love, and I cannot marry someone else. My mother fights with me about this every day. What should I do now?

Ans: Dear Vasuki,
Did something happen just before you mother reacted this way? I guess there's something missing...Otherwise what could be the reason to agree and then refuse? Did your mother's brother put pressure on your mother to come to this decision?
Reasoning out isn't going to work out that well; so first try and figure out what went on for your mother to change her mind and that could be a start point towards working with her so that she sees your point of view as well.

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Drop in: www.unfear.io
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HI Sir , I am NRE rented a house to bank employee. Now bank started deducting 30% TDS from my rent and paying the balance. What are certificate I have to get from the bank for claiming the TDS in my ITR. Thank you

Ans: 01 Bank shall provide you Form 16 of your TDS deductions. Moreover, data regarding TDS Deducted would also be available on site (Form 26AS, AIS, TIS). You are entitled to claim this TDS in your ITRs filed for the period.
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I am contiune work more then 12 year in a contractory firm. But break only one month due to my ill health. They cut my name and very next month they added me and say it was happed due to misunderstanding. Is that efected my pension.

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Most welcome for any further clarifications. Thanks.

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Relationships Expert, Mind Coach - Answered on Dec 04, 2024

Asked by Anonymous - Nov 26, 2024Hindi

Relationship

Whenever I have a fight with my in-laws, my husband always takes their side and not talks with me for a 15 days or a week, tells me that he is bearing me all this years and I should go back to my mothers house, anyway he is hardly talking with me, he just answers my question, he is always busy with his office work, and he shoe me away if I try to romance by saying our daughter (13yr old) will see us, will do it afterwards, that comes only ones in a month. He is really unhappy with me, they all want to send me to my mother house, I deeply love him ....this all things makes me anxious, what should I do??? Ours is arranged marriage 15yrs. gone. He feels like he is trapped with me and now I am also feeling unhappy in our marriage..what should I do please suggest.

Ans: Dear Anonymous,
Clearly none of them seem to be happy with you and seem to want to get you away from them.
What exactly are you holding onto? Evaluate what you are getting by staying in the marriage and what you can do to manage life without the marriage if you of course make that choice.
I would also suggest one last attempt at putting things together. Will your husband be willing to talk to a third person like a therapist or even a family member? Try to set things right and even after this, they seem to make your life miserable, you really need to create options for yourself.

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

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 04, 2024

Question by baqir - Dec 03, 2024Hindi

Career

sir i am going to give my pcb board examinations cbse in 2025 and i will also be writing neet in 2025 . here are some questions :- 1. if i take a drop and start preparing for jee mains instead of neet by adding maths to my subjects , which will be a better option among these ? a) writing the on demand exam for maths from nios and if i do so what should information has to be given in jee mains form because i have previously given neet through nta b) writing the public exams for all five subjects pcm from nios.then what should be written in jee main form c) giving a maths exam from cbse as aprivate candidate . and will two marksheets one including maths and one including pcb affect my jee form and counseling do 2 marksheets make a propblem in counselling or filling form and if not what should be entered in form for marksheets of 2 different years or boards 2. if i have maths from nios which board do i have to enter in jee mains form ? i am very confused , please help

Ans: Hello Baqir.
It seems that you are very confused. As you said, you have already appeared for NEET i.e. this is your drop year. Yet you are not confident about NEET 2025. If you have taken NEET previously, then how again you are appearing for the board exam is also not clear. If you have already given NEET and are preparing for NEET again, then why you are thinking about JEE without any reason is also unclear. You have created a lot of problems in your mind without any reason. This is because you are not focussing on the syllabus and studies but rather thinking in an irrelevant direction. The question arises, why not you are appearing with mathematics on the CBSE board? It is suggested that you appear to NEET 2025 with full preparation. If you score less also, then there are many courses in the medical field in which you can get admission. Leave all worries, thoughts, and no mark sheets, JEE issues and focus only on NEET 2025. It is also suggested that you please meet face to face a counselor to understand you more and guide you properly.
If satisfied with my reply, pl like and follow me.
Thanks
Radheshyam

Anu Krishna |1355 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2024

Asked by Anonymous - Nov 26, 2024Hindi

Relationship

Dear Anu, How do i recognise narcissists? How do we deal with them? 20 years ago i was let doen by a friend who was a narcissists. Somestimes i can forgive him, but i cannot forgive myself not to recognise those traits in him? Can you also tell me how to understand a person s character during the initial meeting itself? What qualities should i be looking so as to not be deceived.

Ans: Dear Anonymous,
There's enough and more reading material on this topic on the Internet. You may read those to actually educate yourself.
So, if you are still unsure who narcissists are, how are you sure that your friend was a narcissist?
Also, what makes you hold on to something that happened 20 years back. We are surrounded by all kinds of people; when you know somewhere you are being taken for granted, your personality has begun to change to suit the other person, you seem to go overboard to please them, watch out...you could very well be under their control.
Having said that, be kind to yourself and what happened is done...just start to become more aware when you are around people.

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

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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