Should I Invest in Unitech for the Long Term?

Ans:

Ans:

1.TECHMAHENDRA 25NOS - Hold

2.MARICO 10 NOS - Hold

3.INDRAPRASTHA GAS 10NOS - Hold

4.INFY 10NOS - Hold

5.EXIDE 25NOS - Hold

6.GRANUELS 25NOS - Hold

7.ADANI GREEN 25 NOS- Exit

8.ITC 25 NOS - Hold

9.IRCTC 5NOS - Hold

10.AVENUE MARKET 3NOS - Hold

11.VODAFONE IDEA 100NOS - Exit

12.SOUTH INDIAN BANK 200NOS - Exit

13.TATA CHEMICALS 20NOS - Hold

14.SHOBHA 25NOS - Exit

PL ADVICE YOUR VIEWS

Ans: Sell it, no future ahead. No profits, high shares pledged by promoter, high interest payments. Buy quality company

Ans: Unrated funds, like SBI Balanced Advantage and ICICI Pru Opportunities, lack official ratings from agencies. This doesn't necessarily mean they are bad options. It simply means they haven't been evaluated by rating agencies yet. This could be due to the funds being relatively new or less popular.

Risks and Considerations
Higher Risk
Unrated funds come with higher uncertainty. They do not have a track record to assess their performance and risk profile. This makes it challenging to predict their future performance.

Potential Rewards
Despite the higher risk, unrated funds can offer potential rewards. New funds often aim to attract investors by performing well initially. However, this is not guaranteed and requires careful consideration.

Investing in Funds with Better Track Records
Proven Performance
It is advisable to invest in funds with a proven track record. These funds have historical data showing how they perform in different market conditions. This provides more confidence in their future performance.

Stability and Reliability
Funds with better track records have demonstrated their ability to manage market volatility. They offer more stability and reliability, which is crucial for long-term investment goals.

Active vs. Index Funds
Benefits of Actively Managed Funds
Actively managed funds can outperform the market. Skilled fund managers make strategic decisions based on market conditions. This can lead to higher returns, especially in volatile markets.

Regular vs. Direct Funds
Advantages of Regular Funds
Investing through a Certified Financial Planner (CFP) provides professional guidance. CFPs help with fund selection and portfolio management. This ensures your investments align with your financial goals.

Final Insights
Investing in unrated funds like SBI Balanced Advantage and ICICI Pru Opportunities carries higher risk due to the lack of track record. It is generally safer to invest in funds with proven performance and a stable track record. Consulting with a Certified Financial Planner can help you make informed decisions and build a diversified portfolio.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in