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Vivek

Vivek Shah  |60 Answers  |Ask -

Financial Planner - Answered on Mar 08, 2023

Vivek Shah is a SEBI registered investment advisor and certified financial planner from FPSB India. He has over 18 years of experience in financial planning.
Shah founded Finrise, a financial planning and wealth management firm, in 2011. He believes that equity investment is the only way to generate long term wealth.
He has an MBA in finance, a degree in chartered accountancy and is a registered life planner from Kinder Institute of Life Planning, USA.... more
vasudev Question by vasudev on Mar 08, 2023Hindi
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i have BEL Shares 600 purchased @ 101/- should i hold

Ans: Hello Vasudev,

BEL has a strong business model and hold this company for long term with long term appreciation.

You can note following points:

1) Order inflow guidance intact.
2) Revenue growth likely to be boosted from new facilities.

Revenue growth for FY23 likely at 15% and 15-20% thereafter. Gross margin for FY23 is expected to remain at similar level to that in 9MFY23 i.e. at ~42%. Expect a turnover of Rs170bn in FY23.

Capex: To incur Rs6bn of capex in FY23 and Rs6bn-8bn in FY24.

Expect an order inflow of Rs155bn in Q4FY23 as discussions are almost concluded for Rs120bn worth of orders – while an additional Rs35bn is in various stages of approval. The inflow of Rs155bn assumes ordering of: 1)
Himshakti programme of Rs33bn, ii) Atulya medium-power radar of ~Rs20bn-30bn, iii) ~Rs100bn expected from naval shipyards for radars and SONAR.

New facilities to take care of growth: Company is pursuing new facilities at: 1) Nagpur, for ammunition at capex of Rs2bn; 2) Ibrahimpatnam, for land-based EW systems; 3) Nimmaluru, for advanced night vision equipment; 4) Hyderabad, for super components at an investment of Rs1bn; and 5) Anantapur, for manufacturing and integration of big systems for defence and paramilitary segments. These facilities will be commissioned in next 2-3 years.

Export orderbook is at Rs20bn.

Please hold this company for long term for decent wealth creation.

I hope this will help you. Happy Investing...

Disclaimer: This information is only for educational purpose and it should not be taken as buy or sell recommendation. I may or may not have any position in this business while answering this question.
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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Meri umar 46 sal hai 60ke bad 2lak rs mahine ka inkam chahta hun sip me ktane investment karu
Ans: Planning for Post-Retirement Income
You are 46 years old and want a monthly income of Rs 2 lakh after 60. Let's create a strategy to achieve this goal through SIP investments.

Assessing Your Current Situation
Current Age: 46 years
Retirement Age: 60 years
Target Monthly Income Post-Retirement: Rs 2 lakh
Time Horizon: 14 years
Estimating Required Corpus
To generate a monthly income of Rs 2 lakh, you need a substantial retirement corpus. Let's estimate the corpus required using a safe withdrawal rate of 4%.

Annual Income Required: Rs 2 lakh x 12 = Rs 24 lakh
Corpus Needed: Rs 24 lakh / 4% = Rs 6 crore
SIP Investment Strategy
To accumulate Rs 6 crore in 14 years, consistent SIP investments are crucial. Let's determine the monthly SIP amount needed.

Calculate Monthly SIP Amount
The calculation involves assumptions about expected returns. Assume an annual return of 12% from equity mutual funds.

Using an online SIP calculator:

Corpus Required: Rs 6 crore
Time Horizon: 14 years
Expected Annual Return: 12%
The estimated monthly SIP amount needed is around Rs 1 lakh.

Recommendations for SIP Investments
Diversify Your Portfolio
Equity Funds: Focus on diversified equity funds for higher growth.
Balanced Funds: Include balanced funds for stability and moderate returns.
Debt Funds: Allocate a portion to debt funds for lower risk.
Regularly Review and Adjust
Monitor Performance: Regularly review your portfolio's performance.
Adjust Allocations: Adjust allocations based on market conditions and goals.
Gradually Increase SIP Amount
Step-Up SIP: Increase your SIP amount annually to boost corpus growth.
Bonus or Increment: Use bonuses or salary increments to increase investments.
Final Insights
To achieve a post-retirement income of Rs 2 lakh per month, you need to accumulate around Rs 6 crore.

Start with a monthly SIP of around Rs 1 lakh.
Diversify your investments across equity, balanced, and debt funds.
Regularly review and adjust your portfolio.
Gradually increase your SIP amount over time.
By following this strategy, you can achieve your retirement income goal. Consult a Certified Financial Planner to tailor the plan to your specific needs and circumstances.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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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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