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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 16, 2022

Mutual Fund Expert... more

Question by Alok on Nov 16, 2022Hindi

Money

Below is my MF portfolio. I am planning to invest for the next 13-15 years for retirement and as well as my son's higher education who is 4.5 years old. I am 36 years old.

Please let me know if I can consolidate my investments. Apart from this I have investments in PPF, NPS as well.

Fund Name Category Amount/Month

Quant Tax Plan - Direct Plan ELSS 4000

Mirae Asset Tax Saver Fund - Direct Growth ELSS 6000

Axis Long Term Equity Fund - Direct Growth ELSS 2000

Kotak Flexicap Fund - Direct Growth Flexi Cap 2500

PGIM India Flexi Cap Fund - Direct Plan - Growth Flexi Cap 4000

Quant Active Fund Flexi Cap 2500

Nippon India Index Fund S&P BSE Index Fund 4000

Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth Large and Mid Cap 2000

Axis Bluechip Fund - Direct Growth Large Cap 2000

PGIM India Midcap Opportunities Fund - Direct Plan -G Mid Cap 4000

Quant Multi Asset Fund Multi Asset 3000

Bank of India Small Cap Small Cap 2000

Canara Robeco Small Cap Fund - Direct Growth Small Cap 4500

Axis Small Cap Small Cap 2000

Quant Small Cap Small Cap 2000

Total 46500

Ans: There are too many funds and consolidation can be done by having only 1 scheme in each category.

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 08, 2021

Question by KK - Sep 08, 2021Hindi

Money

Please provide your guidance to consolidate my portfolio to achieve goal of retirement corpus of Rs 2 cr. I am currently investing a SIP of Rs 64,000 per month in the following funds from June 2020. My age is 46 years. I plan to work for another 9 years. 1. Axis Bluechip Direct G Rs 3,000 2. Axis Focused 25 Direct Growth Rs 3,000 3. Axis Midcap Direct G Rs 2,000 4. AXIS Small Cap Direct fund G Rs 2,000 5. HDFC Gold Fund Direct Growth Rs 5,000 6. ICICI Pru Discovery Direct Growth Rs 5,000 7. ICICI Pru US Bluchip Direct Growth Rs 5,000 8. Kotak Emerging Equity Direct Growth Rs 3,000 9. Kotak Flexicap Direct Growth Rs 3,000 10. Kotak NASDAQ 100 FOF Direct G Rs 3,000 11. Kotak Small Cap Direct Growth Rs 2,000 12. L&T Hybrid Equity Direct Growth Rs 3,000 13. L&T MidCap Fund Direct Growth Rs 2,000 14. L&T Nifty Next 50 Index Fund Direct G Rs 5,000 15. L&T Value Fund Direct Growth Rs 3,000 16. Mirae Asset Emerging Bluechip Direct G Rs 2,500 17. Mirae Asset Large Cap Direct G Rs 2,500 18. SBI Equity Hybrid Regular Growth Rs 5,000 19. SBI Focused Direct Plan Rs 3,000 20 SBI Multi Asset Fund Direct Growth Rs 2,000

Ans: You may continue with 1, 2, 3, 4, 7, 16 and 20.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 17, 2022

Question by Vivek - Oct 17, 2022Hindi

Money

I am 43 years old and ventured into MF and equity space a little later in life. Have been investing diligently for the last 6+ years. Please find below my existing portfolio for MFs. I feel I should reduce the number of funds or at least consolidate some of them as there is an overlap between the bluechip ones. Would like your thoughts/advice on the same. Response is much appreciated. Thank you. SIPs in progress Axis Bluechip Fund - Direct Plan (G) - 5000 ICICI Prudential Bluechip Fund (G) - 5000 ICICI Prudential US Bluechip Equity Fund - Direct Plan (G) - 5000 Mirae Asset Emerging Bluechip Fund - Direct Plan (G) - 6000 Navi Nifty 50 Index Fund - Direct Plan (G) - 5000 Navi Nifty Next 50 Index Fund - Direct Plan (G) - 5000 Parag Parikh Flexi Cap Fund - Direct Plan (G) - 5000 SBI Blue Chip Fund (G) - 5000 Axis Mid Cap Fund - Direct Plan (G) - 5000 DSP Mid Cap Fund - Direct Plan (G) - 5000 L&T Midcap Fund (G) - 5000 SBI Small Cap Fund - Regular Plan - (G) - 5000 SIP Discontinued HDFC Mid-Cap Opportunities Fund (G) HDFC Childrens Gift Fund - Investment Plan HDFC Top 100 Fund (G)

Ans: In bluechips, please continue with ICICI Pru Bluechip fund growth

Most of the funds are decent!

Ramalingam Kalirajan |6986 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Apr 03, 2024Hindi

Money

I am 50 working professional. Below is my MF portfolio . 1. Parag Parikh Flexi Cap Fund 2.6 lakhs + 10K SIP 2. PGIM India Midcap Opportunities Fund 1.85 L Value + 5K SIP 3. Quant ELSS Tax Saver Fund 80K 4. Axis Small Cap Fund 1.85 Lakhs Value + 5K SIP 5. Axis Gold Fund 75K Value + 5K SIP 6. Canara Robeco Bluechip Equity Fund 70K 7. Quant Multi Asset Fund 50K 8. SBI Magnum Income Fund 50K 9. ICICI Prudential Equity & Debt Fund 50K 10. Quant Active Fund 50K 11. ICICI Prudential Bluechip Fund 25K I want to build a retirement corpus of 2 crore in 10 years. I am planning to invest around 50K every month. Plus i have. surplus of 4Lakks which i want to invest in few of the MFs above. Planning to exit Canara Robeco bluechip and Axis Small cap soon. Please suggest if any changes you want me to do.

Ans: Given your goal of building a retirement corpus of 2 crores in 10 years and your current portfolio, here are some suggestions:

Increase SIP Contributions: Consider increasing your SIP amounts in high-performing funds like Parag Parikh Flexi Cap and PGIM India Midcap Opportunities Fund, which have shown good potential for long-term growth.

Review and Consolidate: Evaluate the performance of all your funds and consider consolidating your portfolio to fewer, well-performing funds to simplify management and potentially enhance returns.

Focus on Quality: Prioritize funds with strong track records, consistent performance, and experienced fund management teams. Consider adding large-cap and diversified equity funds for stability and balanced growth.

Asset Allocation: Ensure a balanced asset allocation across equity, debt, and gold funds based on your risk tolerance and investment horizon. Reallocate surplus funds strategically to maintain a diversified portfolio.

Regular Review: Monitor your portfolio regularly and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.

Consider consulting with a financial advisor for personalized advice tailored to your specific circumstances and goals.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 07, 2024

Question by Samar - Nov 06, 2024Hindi

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I have EPF contribution with Patni software now acquired by Capgemini.. my EPF of 2004 doesn't have UN number how can I withdraw the EPF.. send reply

Ans: Hello;

You may Log in to the EPFO website and navigate to the Inoperative Helpdesk.

There enter all of the data of the inactive EPF account and provide KYC information such as your Aadhaar number, PAN number, bank account number, and IFSC code.

The application will then be reviewed and handled by EPFO authorities.

Best wishes;

Anu Krishna |1281 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Nov 04, 2024

Relationship

My age is 47 male and my partner age is 41 we have a child of 12 years old i didn't had sex for more than 3 years and my partner is not interested in sex what is the solution ?

Ans: Dear Anonymous,
Did physical intimacy stop all of a sudden? Like, what could have led to your partner not wanting sex?
Usual causes:
- Hormonal changes in your partner causing disinterest
- Boredom of the usual routine in the bedroom
- Lack of intimacy and closeness outside the bedroom scene
- Loaded with housework that leaves your partner tired
- Sense of non-accomplishment if she is used to working earlier and is not doing that anymore
- Need to do something different other than taking care of the house in case she is a full time homemaker

I guess the only way to find out is to find out from her...focusing on her needs may help you ease on your needs...Start with her first and LISTEN to what could be going on in her mind.

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Nov 01, 2024Hindi

Relationship

Im 54 married my wife 44 since our marriage 22 years all is fine even in my trouble time my wife supported me fully but last 2 years we are no contact situation even we shaare same house we have 2 kids 18 and 12. Last 2 year back she met her school friend from there she is ignoring me don't know how to fix it i Dought she has a affair with him. But m not getting clue. Hiw to find it

Ans: Dear Anonymous,
It's a wonder as to why she would suddenly be different from what you have been used to. It's also natural to pinpoint it to her reconnecting with her school friend if there is no other recent changes or events that might have caused her to act very different. The best is to ASK...she may not even be aware of her behavior change or the impact certain things are having on you.
While you have that chat, it will give you a fair understanding of what is going on with that friend of hers.
Communication is better than Assumption and in your case, it's best to talk things through...

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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Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Oct 07, 2024

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Hi, I am a 48 year old unmarried woman. I stay with my parents and we 3 enjoy our life in our own way. I have 2 married elder sisters and share a loving relation with them. In short I am blessed with a loving and supportive family. But at times I miss having a man in my life. We have tried so hard but nothing materialised on the marriage front.All men in my age group either married or divorced with kids. Do u think its ok to get married if I find someone whom I like. Sometimes I feel i should atleast date someone and if marriage is to happen it will. I am single for a very long time. I am grateful to God for all the good things I have in my life. How to find someone no clue. Have tried thru matrimony no success. Not interested in any dating app. Nor interested in casual dating with a younger guy. I need someone of my age or elder. Pls advise. Thanks..

Ans: Dear Anonymous,
Of course, you must date someone if that's what you want and it's possible by entering the right social circles. Something that interests you can be a point of meeting; gym, sports, music groups, dance groups, theater groups...the list is long...
It just takes that little effort to join one of these and meet a few like-minded people who are not just into casual dating but are interested in pursuing a connection with you...So, give it a shot!

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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Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Asked by Anonymous - Sep 28, 2024

Relationship

I had lost my virginity before marriage, at the age of 18 and now I'm 26 years old but now I Going to marry someone else.did my future husband know that I have lost my virginity when I have intercourse with my ex, we had 7 to 9 years of relationship till now but that relationship did not worked so we broke up recently. Now I'm going to marry next year ending. What should I do? Its a arrange marriage if he knows all that shits then my family reputation is also harm. What should I do to this situation. I can't tell anyone about this and what is the solution that he never know about my past life..i want to hide from him that I'm not virgin.

Ans: Dear Anonymous,
You have lost your virginity, so be it!
And what are you making a big noise about it, family reputation etc...are you serious that the boy's side is going to do a medical examination or send some elderly aunt to inspect you? Which age are you living in?
Oh and by the way, how do know the boy is a virgin? Or is this great responsibility only that of a girl?

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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Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Question by harsh - Sep 16, 2024Hindi

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Help me!!! 1.I'm starting new "work" on my own(challenging for me) but my mind says quit it, be quite & do nothing. I myself don't know that wether the result of work will be +ive or uncompleted like alws. 2. My mind has become like order seeker type, when someone orders me, I do those things with dedicated(but sad from inside) manner. But when myself will try something different(which i fear, but necessary) then. "I QUITS IT" & sometimes I don't even start. 3. I'm like stuck no clue what/whom I want to do in life, I'm in cllg(1 yr) doing (CSE) ,. 4. I want to do/try (sports,talking girls,study,stocks,coding..) many things, but myself, my thoughts(overthinker), R like just be in the place where u are[confused,po*n,think about past/future(being billio..re,olympics..), girl (that u liked & never talked), abusive/beating self,.. sometimes feels like end life, but don't hv courage for that also.. 5. I tried self help books, spirituality, god, self affirmation, writing... & thay affected me(sometimes) but for only some time, then again that devil me comes up &these things never get completed. As no one in my family knows about all these, so that's Y ,I hv to fight/loose/try again, the battles with myself.

Ans: Dear Harsh,
If in the past you have had the urge to QUIT, how is this time going to be different? This is not to discourage you from taking up 'new work' but pointing out that there is some amount of work that you need to put to clear the mind out of blockages.
-What is limiting you?
- What is the reason for putting off things?
- What comes first to the mind when you start something new?
Also, focus on one thing at a time; study and go deep into it...what's this thing with work? I don't understand. When the mind is unsettled, take one thing/activity, pursue it and finish it. It could simply be studying for Year 1 of your college...just only do that...once your mind is trained in completing an activity, you can add another one the next year along with studying and then pursue both...it could be some sport and studying...then the next year, you could add a third activity. This is called 'training the mind in discipline'. Discipline will make sure that you start and finish things...So, go slow and do one thing at a time.

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

Dr Pananjay K Tiwari |95 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 07, 2024

Question by Krishan - Aug 27, 2024Hindi

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Hello Sir, Greetings. What will be the expenditure for MD abroad, after doing MBBS in India.? Also please let me know which country is the best.? Kind regards Krishan

Ans: Hi Krishnan
The cost of pursuing an MD abroad after completing MBBS in India varies by country. In the USA, expenses can range from $200,000 to $300,000, including tuition and living costs. Germany offers affordable MD options with minimal tuition fees, though learning German is required. The UK has high tuition costs but offers globally respected programs; both the UK and Germany are popular due to their structured pathways for international graduates.

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Study Abroad Expert - Answered on Nov 07, 2024

Asked by Anonymous - Aug 27, 2024Hindi

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Sir,my daughter is in third year BTech in Bioengineering.She wants to pursue Masters in Bioinformatics but I am confused which country like USA ,Canada , Germany or Ireland should I opt for looking from job prospects.Kindpy suggest suitable country

Ans: Hi...For job prospects in bioinformatics, the USA and Canada are excellent choices due to their strong biotech industries and demand for bioinformatics professionals. Germany is also ideal, especially for affordable education and a growing job market in biotech. Ireland is a good option with its vibrant pharmaceutical sector, though job opportunities may be more limited than in North America.
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Study Abroad Expert - Answered on Nov 07, 2024

Question by JABEZ - Oct 07, 2024Hindi

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Sir I'm studying my MBBS in Kyrgyzstan which country can I dom my PG

Ans: Hi Jabez
After completing your MBBS in Kyrgyzstan, popular options for pursuing a postgraduate (PG) degree include Germany, the United States, and the United Kingdom, each offering high-quality training with different entry requirements. Germany is affordable and has a strong medical education system, though learning German is essential. The U.S. requires passing the USMLE for residency, while the UK requires the PLAB exam and offers recognized, globally respected programs.
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Study Abroad Expert - Answered on Nov 07, 2024

Asked by Anonymous - Oct 30, 2024Hindi

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Hello sir, I am a student from Mumbai pursuing Bachelors of Commerce Specialised in Accounting and Finance I will graduate in May 2025 also I am currently doing US CMA which I'll clear by October 2025. I only have 12+3 years of education and I want to go abroad just to have 12+4 years of education what additional course should I pursue that will be of 1 year in accounting and finance because I am planning to go abroad in September 2026

Ans: Hi....Given her immigration timeline, pursuing premedical studies in the USA might be a smoother path. Medical colleges in India generally don’t allow extended breaks, and taking a mid-course hiatus could disrupt her MBBS studies. In the U.S., she could complete a premedical program, keeping her eligible for U.S. medical schools, which aligns well with her eventual move. Alternatively, if she begins MBBS in India, she’d need to carefully coordinate her timeline, potentially transferring to a U.S. medical program if feasible.

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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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