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Samraat Jadhav |2014 Answers |Ask -Follow

Stock Market Expert - Answered on Feb 08, 2024

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 K on May 17, 2023Hindi

Money

Good Afternoon sir, I have following shares in my portfolio. Please advise me whether to hold or sell? 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 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 YESBAN 1150

Ans: all good companies and good portfolio, hold for long term

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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Question by Nilanjan - Sep 21, 2020Hindi

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I am sharing with you my present portfolio along with the purchase price. Please advise whether should I hold, sell or buy these stocks. 1. Bajaj Finance 23 stocks @2850.00 each 2. Bata 2 stocks@1409.07 each 3. BPCL 20stocks@338.55 each 4. Eicher motors 2 stocks@17670.09each 5. Gail 50 stocks@77.76 each 6. HDFC Bank 40 stocks@1083.86each 7. ICICI Bank 20 stocks@ 374.14 each 8. L&T 50 stocks@1110.73 each 9. Relience 25 stocks @ 1183.36 each 10. SBI card 20 stocks@ 744.83 each 11. SBI 45 stocks@ 223.98 each 12. Tata motors 20 stocks@ 87.08 each 13. Tata Steel 30 stocks@274.18 each 14. Titan 25 stocks@ 974.51 each

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Question by Rakesh - Sep 22, 2020Hindi

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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 Ajinkya - May 10, 2023Hindi

Money

I have the following shares in my portfolio, please suggest whether to hold or exit? Happstmnds 200 @956 Adani Enterprises 12 @1898 Adani Total Gas 73 @837 Mirza International 300 @61 Tata Motors 125@457 Vedl 205 @162. Thanks in advance

Ans: other than Adani's all are good to hold for atleast 5 years.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. 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.

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Financial Planner - Answered on May 17, 2023

Question by K - May 17, 2023Hindi

Money

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 atul - Jun 19, 2023Hindi

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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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Asked by Anonymous - Sep 09, 2024Hindi

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My brother is doing B. Pharma from kiit. What are career opportunities for B pharma graduates?

Ans: Hi,

After completing B.Pharm, there are relatively few opportunities compared to pursuing a postgraduate degree in pharmacy. I don't have an idea about your financial background, but if you are good at interacting with people, you can consider a career in marketing and sales, which offers many advantages.

The advantages of choosing marketing and sales include:
1. Good earning potential (more than INR 6.0 LPA)
2. After 3 years, you can pursue an MBA through distance education.
3. After 3 years, you can transition from field work to the product department (usually as a product executive), where you can guide the sales representatives.
4. After 5 years of experience in marketing, you can start your own third-party marketing company.

On the other hand, if you join another field, you may receive lower pay due to having only an undergraduate degree.

So, I strongly recommend considering a career in marketing and sales.

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Tax, MF Expert - Answered on Sep 11, 2024

Question by Piyush - Aug 31, 2024Hindi

Money

Dear sir, i have got the shares in oct 23 after death of my brother as a i was nominee in dmat account . Now if i sell the shares and do charity, do i have to pay tax ? How to calculate cap gain tax as i do not know his purchase details

Ans: First the shares have to be transferred to your name and then you can sell the shares and pay tax
Yes tax has to be paid if any

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Asked by Anonymous - Aug 31, 2024Hindi

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Sir, Assessess own commercial property rentals income from customersrs for functional hall rs:30 lacs f.y.23-24 Question: Assessess sec 44ad opt presumptive scheme eligibility or not

Ans: For any rental income, it has to be considered under rent and not professional income

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Asked by Anonymous - Sep 10, 2024Hindi

Money

I am a student and I'm planning to take an educational loan of 20 lacs and then invest 12 lac in mutual funds to clear the loan amount after 5 years so is it fine to have that decision?

Ans: Hello, that can be a good idea on paper, provided you know that you will get a job after 2 years of studying and you can start with your EMI immediately. Just to put it in numbers :
Loan amount after 2 yrs at 9% - Rs.2376200
EMI will start after 2 yrs , lets assume you select 5 yrs, so the total interest cost will be - Rs.583360
Total Interest = 959560
Value of 12L after 7yrs at 13% cagr = Rs.2823126

VS the second option of taking a loan of 8L and having the same scenario , the interest cost will be = 150480 + 233409 = 383889

Hence by taking a loan of 20L and investing 12L in equity MF for 7 yrs total is a much more beneficial option

Do let me know your views on this on my LinkedIn profile, attaching my profile :
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Radheshyam Zanwar | Answer |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 11, 2024

Question by Sakshi - Sep 11, 2024Hindi

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Iam an electronics and communication engineering student who has dream of being an ias officer..now in this engineering field i got to know about gate exam..so wanted to give an attempt to it..so is there any similarities between gate and upsc examination...plz let know

Ans: Hi Sakshi

You are pursuing ETC. The purposes of GATE and UPSE exams are different. There are no similarities between the GATE and UPSE examinations. GATE is for pursuing PG in engineering and UPSE is conducted for civil services.

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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Asked by Anonymous - Sep 11, 2024Hindi

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My daughter 12th science passed with PCB got average percentage we decide for B.pharm .please advise me is this xorrect decision and with this which courses can do in running time for best earnings

Ans: Hello
Even though your daughter scored an average %tage, she can join to B.Pharma course. This is one of the best choices for female candidates. Your decision is correct. Right now, it is not possible to earn based on any course in the running time. She can join any office as a part-time assistant for a few months till she completes any additional certificate course from an earning point of view. There are many certificate courses available in the market. Based on her interest, pl choose one of them of short duration and with minimum fees. Once it is completed, she can get a part-time job to start earning. But it is advisable that, instead of looking for short-term gain, tell her to focus more on her studies and excel in the subjects. Otherwise, if a candidate starts earning at an early age, lose concentration and focus on their studies.

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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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 10, 2024Hindi

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Sir, I am currently in 12th and have taken PCM. I am interested in NDA, but I am unable to find alternate career options. Please suggest some career options in case I am unable to get through NDA.

Ans: Hello

You are in 12th and have taken PCM. One of the aims is to go for NDA but you are in a dilemma whether you will get it or not.
It would be suggestible for you that, please focus on the engineering entrance tests (either state or national level). Try to crack it. If not successful, then you try other options. To think of other options, you have ample time. Many career options can be easily explored after the 12th board + CET + JEE examinations. Please contact me after the exam is over. Based on the score (either good or bad) better options can be suggested to you. Best of luck with your upcoming examinations.

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

Radheshyam

Nitin Narkhede |5 Answers |Ask -Follow

MF, PF Guru - Answered on Sep 11, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Money

I have 10 lakh rupees which I want invest in MF. Please suggest some fund for lump sum amount to invest for 1 and half years.

Ans: Dear Friend,
Thank you for your query. 1.5 Years is a very short time for getting high returns. Investing Rs 10 lakhs in mutual funds for a short-term horizon of 1.5 years requires a cautious approach. For such small period, you should look for low to moderate-risk funds that offer stability with reasonable returns, as investing in high-risk equity funds might be too volatile for a short time frame. Since your investment horizon is just 1.5 years, avoid high-risk equity mutual funds as they can be volatile in the short term. Check for exit loads and tax implications before investing. Most short-term capital gains (if you withdraw before 3 years) from debt funds are taxed according to your income tax slab.
You have to evaluate your risk Appetite , Short-Term Debt Funds are invested in government securities, corporate bonds, and other debt instruments with short maturities, offering stability and moderate returns. For a 1.5-year investment, these are ideal as they are less volatile. you can expect 5-7% per annum Returns. You can think of
• ICICI Prudential Short Term Fund
• HDFC Short Term Debt Fund
• Axis Short Term Fund
• ICICI Prudential Corporate Bond Fund
• HDFC Corporate Bond Fund
• Aditya Birla Sun Life Corporate Bond Fund.
Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Radheshyam Zanwar | Answer |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 11, 2024Hindi

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WHICH OONE WOULD BE BEST FOR DOING B.TECH CSE , MAHARAJA AGARSEN INSTITUTE OF TECHNOLOGY (IPU) OR G L BAJAJ NOIDA

Ans: Hello

If possible, prefer G.L. Bajaj Noida

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Mutual Funds, Financial Planning Expert - Answered on Sep 11, 2024

Question by Hanumantharao - Sep 10, 2024Hindi

Money

I have demat account in my name. Is it possible to make joint account with my son?

Ans: You cannot add a second holder to an existing demat account. Regulatory guidelines do not allow converting a single-holder demat account into a joint account.

However, you can open a new joint demat account with your son as a co-holder. A joint demat account allows multiple holders and can be an ideal option for family members wanting to invest together.

Options for Joint Investment
Opening a New Joint Demat Account:
You can open a new demat account where both you and your son will be joint holders.

Both holders can access and manage the account.
This is useful if you want to manage investments together.
Existing Account:
Since your current demat account is in your name only, you can:

Keep using it for your investments.
Add your son as a nominee to this account.
Alternatively, you can give your son Power of Attorney (POA) to manage the account on your behalf.

Joint demat accounts can be opened with two or more holders, but you cannot convert an existing single-holder account.
Opening a new joint account with your son is the best solution for combined investments.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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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