Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 13, 2022

Mutual Fund Expert... more

Question by Sagar on Jun 13, 2022Hindi

Money

I have currently started SIP from July 2021. I am 25 years old. My investment horizon is 20 years.

I am investing Rs 5000 monthly in UTI Nifty Index fund and Rs 5000 in UTI Nifty Next 50 Index fund. Please guide me whether I should continue with the same or should there be some changes?

Ans: Please continue

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.

MoneyReply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jun 01, 2022

Question by Netra - Jun 01, 2022Hindi

Money

I have SIPs in following funds: Axis long term equity 2000 ABSL focused equity fund 2000 ABSL low duration fund 7000 Axis blue chip fund direct growth 7000 Hdfc index sensex direct growtg fund 5000 Hdfc top 100 fund 1000 Invesco india contra fund growrh 1000 Invesco india growth opportunities direct growth 500 Nippon india growth fund 1000 Nipppon india large cap fund 500 Nippon india liquid fund 500 Nippon small cap fund direct 100 Nippon india tax saver elss 2000 Sbi blue chip fund growth 5000 Sbi flexi fund direct 2000 Sbi focused equity fund direct 2000 Sbi small cap fund direct 6000 Parag parikh flexi cap fund 5000 Should I continue for next 10 years above funds. Please suggest

Ans: Reduce it by consolidating all these into 3-5 schemes.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jul 07, 2022

Question by Amit - Jul 07, 2022Hindi

Money

I am 27 years. I have started my sip in 2017 in following schemes. Should I continue for these schemes or require any changes? I am long term investor. 1. Mirae Asset Bluechip fund -- 4500 2. L& T midcap Fund -- 1500 3. Nippon india small cap fund -- 1500 4. Kotak standard multicap fund -- 1500 5. Parag Parikh flexicap fund -- 1000

Ans: No Change is required, please continue

Ramalingam Kalirajan |8077 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Question by Debopriyo - Apr 28, 2024Hindi

Money

I am investing in SIP for the last 5 years in axis long term equity 2000, uti nifty index fund 2000, sbi small cap fund 1000, quant active fund 2000, uti flexicap fund 2000. I have a timeline of 15years. Shall I continue or change some

Ans: It's commendable that you've been investing systematically for the past 5 years. Let's review your SIP portfolio and evaluate whether adjustments are needed to align with your long-term goals.

Analyzing Fund Selection:

Your SIP portfolio comprises a mix of equity funds, including Axis Long Term Equity, UTI Nifty Index Fund, SBI Small Cap Fund, Quant Active Fund, and UTI FlexiCap Fund. Each fund has its unique investment objective and risk profile.

Reviewing Performance:

Evaluate the performance of each fund relative to its benchmark index and peers over the past 5 years. Look for consistency in returns and assess whether the funds have met your expectations.

Assessing Fund Suitability:

Consider whether the selected funds align with your risk tolerance, investment horizon, and financial goals. Ensure that the portfolio is diversified across different market segments to mitigate risk.

Considering Market Conditions:

Review the current market conditions and economic outlook to assess potential opportunities and risks. Adjust your portfolio strategy accordingly to capitalize on emerging trends or mitigate downside risks.

Exploring Alternative Options:

If any of the funds in your portfolio consistently underperform or no longer align with your investment objectives, consider replacing them with better-performing alternatives. Consult with a Certified Financial Planner (CFP) for personalized advice.

Consultation with a Certified Financial Planner:

Engage with a Certified Financial Planner (CFP) to conduct a comprehensive review of your SIP portfolio. A CFP can provide insights into potential adjustments based on your financial goals, risk tolerance, and market outlook.

Conclusion:

In conclusion, periodic review and adjustments to your SIP portfolio are essential for optimizing returns and achieving your long-term investment goals. By staying informed, evaluating performance, and consulting with a Certified Financial Planner, you can make informed decisions to ensure the success of your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Archana Deshpande |103 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 05, 2025

Asked by Anonymous - Dec 17, 2024Hindi

Career

I am Priya from Varanasi, and I work from home as a project manager. I want some help to improve my digital body language, especially during video calls. I always try to stay focused and look engaged during meetings, but sometimes I feel like I might be missing out on some important non-verbal cues. How can I improve my online presence during video meetings and discussions with clients?

Ans: Hi Priya!

Wonderful to know that you are project manager and you want to improve your digital presence.

Body language is like learning any other language. It requires proper teaching, learning and then practicing the same to master it.

After the start of the work from home culture, taking care to present yourself well digitally has become very important.

It is important that you take care of your clothes, hair, make up, how much of you is visible, your backdrop, the angle of your camera, the use of your hands, the facial expressions, the voice modulation( so that ppl listen when you speak), you developing listening skills..... there is so much to learn.

I really cannot write here and teach you... this is all about showing you how to create your aura digitally.

This is my website..https://transformme.co.in/
Do get in touch to learn to create you amazing presence digitally.

Best wishes!!

Archana Deshpande |103 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 04, 2025

Question by Sunil - Sep 10, 2024Hindi

Career

Hi Mam, Hope you are doing well. I am very worried about my son who is now 12.5 years old and studying in 7th standard in a very reputed school. Since childhood, he has no interest in studies, unless we doesn't seat in front of him, he doesn't study. Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class and the result is he doesn't get good marks in the exam. When we scold him for studies, he does it for that particular time only and then get back to his non-interest mode again and start to run from studies. He will play video games, goes to play around with his friends, he will find some or the other reason for not doing studies or homework. The irony is that he is not interested in any sports or any other kind of activities. In every summer holidays, we make him to join some sports or music classes, but there also he doesn't show interest and do things just for the sake of showing. From last year, we have started sending him to tuitions also, but no change in attitude. This year we have found a teacher of his reputed school who is retired and taking tuitions, we are sending him to her and she is charging a big amount for tuitions. please guide how can we change his attitude and make him more serious in any activity he does as he doesn't have interest in anything (we have observed doing everything we can).

Ans: Hello Sunil!!

I am doing great, thank you for asking, God bless you!

I can totally understand when you say you are worried.

Your son is 12.5, he will soon be a teenager. There will be different challenges, I want you to read up on parenting a teenager and be ready to handle him well.

The problem as I see it is that everyone of you, his teachers included have made studies like a burden for him.... and subjected the young child to a lot of anxiety, he just wants to run away form it....
"Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class".... this statement of yours... it is the teacher's duty to ensure the child listens to him/her, how can she start labeling a child like this. From a young age your son has been conditioned to believe that he is not not good in studies, he doesn't focus and he doesn't sit in one place. All my sympathies are with your son...every child comes with immense potential and it's our duty as parents and teachers to nurture the child.

The following is what I propose so that we bring him back to loving to learn ( not score marks, that should never be the barometer)-
1. Love your child the way he is now
2. Give him lot of positive strokes
3. Have one on one sessions for any activity you plan for him... let him choose the activity, empower him
4. choose a teacher, who can get along with him and help him develop a positive attitude towards studies and life in general
5. look for a school where they nurture him... not just a reputed one...less number of students and a teacher who is invested in her/ his students,

If you can connect with me, I can help him. Have had many a students in this kind situation.
This is my website..
https://transformme.co.in/

Loads of best wishes to the whole family..

Archana Deshpande |103 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 04, 2025

Asked by Anonymous - Feb 12, 2025Hindi

Career

Hello mam, I am a BSc IT graduate. I have applied for a job at Credit Suisse that I aspire to crack and learn from. I have cleared the test and technical rounds and will soon be appearing for a personal interview at the Mumbai office. What kind of questions should I be prepared for? I only have 3 months of internship experience.

Ans: Hey, first of all congratulations on clearing so many rounds and reaching the personal interview round!!

Now regarding the preparations...

1. Be impeccably dressed for the interview, this shows you care. Also you need to appear professional and confident
2. Enter the interview room with confidence
3. Enjoy the whole process of being interviewed, it's about you, that's why it is called the personal interview
4. Prepare the questions that are relevant to your role and the company you will be working for. Know a little about the company's competitors
5. Prepare for the usual questions, tell us a little about yourself or introduce yourself, what are your strengths and weaknesses, why should we select you, etc .... these questions are for you to showcase the real you...in a positive light. This is where you show your authenticity
6. Prepare for the Q and A with someone asking you the questions and you replying

Have the confidence, you have come so far, I am sure you'll clear this round too!!

All the very best!

Dr Dipankar Dutta |909 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 22, 2025Hindi

Career

Dear sir, my son has scored 99.614 in JEE Mains 1st session 2025. If he attempts 2nd attempt of 2025 & score below first session,which score does NTA consider. Is it averaging both scores? Please help.

Ans: No, NTA considers the best score out of both attempts, not the average.

Dr Dipankar Dutta |909 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Career

As my daughter scored jee mains 98.75 obc (ncl) can we csc in niit

Ans: Your daughter has a strong chance of getting CSE in mid-tier NITs and might get lower-ranked NITs in initial rounds. If she prefers top NITs, she can consider branches like CSE (specializations), IT.

Dr Dipankar Dutta |909 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Career

Category: General Percentile:99.741 Can I get CS at tire 1 Nit and Tier 1 IIIT

Ans: You have a very strong chance of getting CSE at top-tier NITs like Warangal, Surathkal, and Calicut and also at IIIT Allahabad, IIIT Delhi. See previous years' cut off

Dr Dipankar Dutta |909 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Question by Bagmita - Feb 26, 2025Hindi

Career

My daughter got 94.9 percentile in jee mains session 1 2025. Her domicile state is Assam and her category is general. Will she get nit silchar any branch

Ans: Yes, your daughter has a fair chance of getting admission in some branches. See previous years' cut off

Dr Dipankar Dutta |909 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 04, 2025Hindi

Career

I got 93.78 percentile. I belong to general can I still qualify for jee adavance

Prof Suvasish Mukhopadhyay |458 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Question by Poonam - Feb 28, 2025Hindi

Career

Which is the best engineering college from cuet with strong alumni network and good placement?

Ans: I can't comment,because if I comment it will be considered as a biased comment.

Prof Suvasish Mukhopadhyay |458 Answers |Ask -Follow

Career Counsellor - Answered on Mar 04, 2025

Asked by Anonymous - Feb 28, 2025Hindi

Career

Sir I scored 88 percentile in mains 1 session and belong to obc catagory . Which college I get to btech CSE or NIT with lower branch

Ans: In low ranked NITs and State Government Engineering Colleges you will have good chance.

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x