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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Mutual Fund Expert... more

Question by VIJAY on Aug 03, 2022Hindi

Money

My Goals are given below:

Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr.

Child Marriage -- 80 Lakh

Retirement -- 2.5 CR

My age is 38 Yrs. I still can work for another 15 to 20 yrs.

Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below:

Quantum India ESG Equity Fund Sep-19 2000

Quantum Long term Equity Value Fund Sep-19 2000

HDFC SMALL CAP FUND - Sep-19 2500

BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000

Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000

Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500

Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000

Axis Mid Cap Growth Direct Plan Nov-19 2500

Axis Focused 25 Growth Direct Plan Nov-19 3000

Axis Flexi Cap Growth Direct Plan Nov-19 2500

Kotak Flexicap Growth Direct Plan Nov-19 2500

Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500

ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500

29500

Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

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 May 13, 2022

Question by Harish - May 13, 2022Hindi

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Ans: Too many funds, keep 1 fund in same / similar category. No further addition please!

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by VIJAY - Aug 03, 2022Hindi

Money

My Goals are given below: Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr. Child Marriage -- 80 Lakh Retirement -- 2.5 CR My age is 38 Yrs. I still can work for another 15 to 20 yrs. Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below: Quantum India ESG Equity Fund Sep-19 2000 Quantum Long term Equity Value Fund Sep-19 2000 HDFC SMALL CAP FUND - Sep-19 2500 BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000 Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000 Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500 Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000 Axis Mid Cap Growth Direct Plan Nov-19 2500 Axis Focused 25 Growth Direct Plan Nov-19 3000 Axis Flexi Cap Growth Direct Plan Nov-19 2500 Kotak Flexicap Growth Direct Plan Nov-19 2500 Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500 ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500 29500 Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 03, 2022

Question by VIJAY - Aug 03, 2022Hindi

Money

My Goals are given below: Child Education -- child-01 -- 45 Lakh (AFter 12Yrs) Child -02 - 65 Lakh (17 Yrs) -- Total -1.1 Cr. Child Marriage -- 80 Lakh Retirement -- 2.5 CR My age is 38 Yrs. I still can work for another 15 to 20 yrs. Current value of the Mutual fund is 10.5 lakh for the below given funds. My invested funds are given below: Quantum India ESG Equity Fund Sep-19 2000 Quantum Long term Equity Value Fund Sep-19 2000 HDFC SMALL CAP FUND - Sep-19 2500 BNP Paribas Substantial Equity Hybrid Growth Direct Plan Nov-19 3000 Mirae Asset Emerging Bluechip Growth Direct Plan Nov-19 3000 Motilal Oswal Nasdaq 100 Fund Of Fund Growth Direct Plan Nov-19 1500 Motilal Oswal Nifty 50 Index Growth Direct Plan Nov-19 1000 Axis Mid Cap Growth Direct Plan Nov-19 2500 Axis Focused 25 Growth Direct Plan Nov-19 3000 Axis Flexi Cap Growth Direct Plan Nov-19 2500 Kotak Flexicap Growth Direct Plan Nov-19 2500 Kotak Emerging Equity Scheme Growth Direct Plan Nov-19 2500 ICICI Prudential US Bluechip Equity Growth Direct Plan Nov-19 1500 29500 Also My EPF is around 15 K each month. I am ready to put in 10 to 15 thousand. Please suggest if these funds are good to meet my target or need to make any changes.

Ans: Too many funds, however most are good funds.

Do a goal based planning and attach schemes to goals, that way there will be discipline.

One set of investment with multiple goals is not advisable.

Hemant Bokil | Answer |Ask -Follow

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Ans: Hello Mr Chittanand , Glad to see you are already into investing. Kindly reduce number of schemes and same nature schemes. As far as shares are concerned portfolio looks good but do book profits when you get them.
Kindly let me know what advice you need as your question does not say so

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Ans: Hello;

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I was in a relationship with a boy(he is 35 yrs old man, and a lawyer but not practising in a court, he had a lot of relationship during our relationship and after break up , He had changed 4, 5 women or used them physically) for 3 years. It has been three-four months. We are not in a relationship. We have broken up. I told him to delete our personal pics and videos. He is not deleting them and is not blackmailing me either. I told him that since we don't want to be together, we don't have a future together, then delete them. He is not deleting them and is not blackmailing me either and I want him to delete them. Who knows what will come to his mind in the future and what will happen. If we don't continue, he has no right to Keep the pics in your mobile, whatever video is personal to us, don't delete it and don't blackmail me either. I am not able to understand what should I tell him, although I have requested him a lot to delete it but he is not doing it either, He told me that I have kept ur pics and videos So that I cannot complain against him in future. so what should I do, please guide me. I know I had made a huge mistake to love him and gave him right to keep personal pics or videos..

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Hello Team, Hi Dev Sir, I am 43 years old employed. Here are my financial stats: Loan - 35 lacs Saving- 27 lacs 1 house bought in 2009 at rent (14000/month) and valued at 60 lacs Another house which I live is valued at 90 lacs Monthly income after tax - 2.5 lac Monthly expenses- 1 lac PF/gratuity - 16 lacs MF - 2 lacs NPS - 4 lacs What are my options to retire after 5 yrs with good corpus?

Ans: Hello;

What is your monthly contribution to EPF, NPS and MFs?

Please clarify so as to advise you suitably.

Thanks;

Asked on - Nov 24, 2024 | Answered on Nov 24, 2024

Hello, As requested, monthly contributions as below: EPF : 11000 NPS: 9000 MF : 5000 Thanks.

Ans: Hello;

The value of your investments {EPF, MF, Savings & real estate(2009 flat)} after 5 years is expected to be around 1.48 Cr.

It is presumed that loan is fully repayed after 5 years.

Your current expenses of 1 L will be 1.34 L after 5 years and 1.79 L after 10 years. (6% inflation considered)

Corpus of 1.48 Cr may yield you a monthly annuity income of around 66.6 K (post-tax).(6% annuity rate considered)

Also NPS will have a sum of 13 L after 5 years out of which 10.4 L(80%) will be annuitized and yield you a monthly income 5.2 K and balance 2.6 L available to you.

So your passive monthly income 5 years hence may be 66.6+5.2=71.8 K

71.8-134=-(62.2) K gap in monthly income and expenses after 5 year hence indicated with negative sign!

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Happy Investing;
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Question by Zikra - Nov 23, 2024Hindi

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I'm 18 yrs old student & I want invest 1000 rupees per month from my pocket money for next 3 yrs so where I can invest to get good returns?

Ans: Hello;

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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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