i have bought 285 HAL @ 3900. hold or sell ?? target price please....

Ans: Velavan Sir, to get admission into Engineering Physics in any one of the top 4-5 IITs, your son should score below AIR-4500 in JEE Advanced though the Closing Rank for Engineering Physics for other IITs is around AIR-17-18000. After completing his UG in Physics or Engineering Physics, he can try for his PG/PhD in Astrophysics with Indian Institute of Astrophyics, Tata Institute of Fundamental Research, Inter-University Centre for Astronomy and Astrophysics (IUCAA) & Raman Research Institute. Abroad universities offer undergraduate and postgraduate programs in Astrophysics with entrance exams like SAT, bypassing JEE.
All the Best for your Son's Prosperous Future, Sir.

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Ans: Dear Anonymous,
There's obviously an issue when it comes to sexual intimacy. But when you are very strictly focused on something not happening, it becomes stress and sexual intimacy in stress never happens.
If there is no medical issue, then it's purely about indulging in a lot of foreplay, a lot emotional bonding and most importantly learn to laugh a lot together. This releases a lot of strain and stress if any from both of you as a couple which in turn will help in intimacy.
If this still doesn't work, do get a medical opinion on any possible reasons that maybe preventing either of you from enjoying the process.

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

Ans: I am not the right person to answer this, its better you connect with Zerodha customer care

Ans: The Indian Rupee has been depreciating due to several factors, including global economic uncertainties, trade imbalances, and monetary policy decisions. Some of the key reasons include:
Global Economic Uncertainties: Geopolitical tensions and fluctuating oil prices have created instability in international markets.
Trade Imbalances: India's trade deficit, where imports exceed exports, puts pressure on the Rupee.

As for when the Rupee might reverse and start appreciating, it's challenging to predict exact timelines due to the dynamic nature of these factors. However, some forecasts suggest that the Rupee might stabilize and potentially appreciate later in 2025, depending on global economic conditions and RBI's interventions.

Ans: if you continue with your SIP of Rs 1,50,000 per month for 4 years considering an annual return of 12%, the future value of your investment would be approximately Rs 91,22,773.32. Happy investing!

Ans: Aditi, If you scored 58.75% in Class 12 and are concerned about the 60% requirement for some companies, repeating Class 12 may not be necessary. Many engineering colleges (NOT all) prioritize entrance exam scores over Class 12 marks for admission. However, note that some engineering entrance exams, like JEE, require a minimum of 75% in Class 12.

While some companies set a 60% minimum for placements, most focus more on skills and performance during your engineering studies. If you're determined to improve your marks, repeating Class 12 is an option. However, excelling in entrance exams and your engineering course might be a more effective way to achieve success. All the Best for your Prosperous Future.

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Ans: It's natural to feel low, but the key is to stay positive and focused. Many students improve in the second attempt with the right approach. Your son should identify weak areas from the January attempt and work on them. Focus on high-weightage topics, revise concepts, and practice previous year papers. He should take regular mock tests in exam-like conditions. He can use online lectures, crash courses, or coaching if needed. He should also ensure proper sleep, short breaks, and a stress-free mindset.With determination and a structured approach, he can achieve a much better score in April! One important suggestion: Please have Plan B & Plan C as back-ups instead of relying only on JEE by appearing for other (5-7) Entrance Exams and / or participating in counselling process of the colleges accepting JEE Score in your State. All the Best for your Son's Prosperous Future.

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Ans: Since you have a stable monthly saving of Rs 20,000 after all expenses, your focus should be on long-term wealth creation.

Your daughter’s education and marriage expenses are long-term goals, so you need growth-oriented investments.

Review of Your Current Financial Position
Home Loan EMI: Rs 18,000 per month.
LIC Premium: Rs 5,600 per month.
Term Life Insurance: Rs 2,700 per month.
NPS Deduction: Rs 5,300 per month.
Health Insurance: Already covered.
Savings Available for Investment: Rs 20,000 per month.
Daughter’s Age: 6 months.
Since your daughter’s higher education is at least 15-18 years away, you can take advantage of long-term compounding.

Comparison: Sukanya Samriddhi Yojana vs. Mutual Funds
1. Sukanya Samriddhi Yojana (SSY)
Provides tax-free returns but with a fixed interest rate.
Lock-in until your daughter turns 21 years old.
Interest rates fluctuate yearly and may not beat inflation.
Best for stable returns but not high growth.
2. Equity Mutual Funds
Offers higher returns over long periods.
You can start SIP of Rs 20,000 per month in a diversified mix.
Highly liquid compared to SSY.
Flexibility to withdraw partially if needed.
Best Strategy for Investing Rs 20,000 Per Month
A balanced approach between mutual funds and Sukanya Samriddhi Yojana is ideal.

1. Equity Mutual Funds (70%) – Rs 14,000 per month
Invest for long-term wealth creation.
Actively managed funds perform better than index funds in India.
Split into large-cap, flexi-cap, and mid-cap funds.
Investing through MFD with CFP credentials ensures proper selection.
2. Sukanya Samriddhi Yojana (20%) – Rs 4,000 per month
This ensures safe and tax-free returns.
Ideal for conservative investment portion.
SSY deposits can be made until your daughter turns 15.
3. Gold & International Funds (10%) – Rs 2,000 per month
Gold protects against inflation and currency fluctuations.
International funds add global diversification to your portfolio.
Helps balance risks in an unpredictable market.
Final Insights
Avoid investing all your money in SSY since returns are low.
Mutual funds provide higher growth for long-term needs.
Diversify into gold and international funds for additional security.
Review and rebalance your portfolio every 6 months.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Since real estate is already a part of your portfolio, you should focus on a diversified investment plan.

Review of Your Current Position
You sold your house for Rs 60 lakh.

After clearing Rs 24 lakh home loan, you reinvested Rs 36 lakh in a residential plot.

Your home loan EMI of Rs 25,000 is now free, but the post-tax benefit amount is Rs 20,000 per month.

You want investment exposure to real estate, but diversification is key.

Challenges with Further Real Estate Investment
Real estate is illiquid. Selling property takes time.

Rental yields in India are low, around 2-3% annually.

It requires high capital investment and additional maintenance costs.

Regulatory and legal issues may impact investment returns.

Alternative Investment Plan
A better approach is to invest in financial assets with a well-structured allocation.

1. Equity Mutual Funds (60%)
Rs 12,000 per month in equity funds for long-term growth.

Flexi-cap, mid-cap, and large-cap funds can provide strong returns.

Actively managed funds outperform index funds in volatile markets.

Investing via an MFD with CFP credentials ensures professional fund selection.

2. Debt Mutual Funds (20%)
Rs 4,000 per month in debt funds for stability.

Debt funds provide better liquidity than real estate.

Returns are higher than fixed deposits over the long term.

Taxation is as per your income slab, so it should be monitored.

3. Gold and International Funds (10%)
Rs 2,000 per month in gold or international funds.

Gold protects against inflation and economic uncertainty.

International funds give exposure to global markets for additional growth.

4. Emergency Fund & Liquidity (10%)
Rs 2,000 per month into liquid funds or short-term debt funds.

This will act as a safety net for unforeseen expenses.

Having a buffer prevents the need to sell long-term investments during emergencies.

Final Insights
Avoid further real estate investments due to liquidity issues.

A structured SIP approach in mutual funds will generate better returns.

Ensure diversification across equity, debt, and gold.

Review your portfolio every 6 months and rebalance if needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment