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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 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 May 13, 2022

Question by Harish - May 13, 2022Hindi

Money

I am 37 years old. I have been investing in Mutual Funds since June 2017. I am an aggressive investor ready to take risks. My investment horizon is long term. I am investing for my Son's higher education which is 13 years away and also for my retirement which is 23 years away. My portfolio comprises of the following mutual funds. 1) HDFC Midcap Opportunities fund Regular growth - ₹4100/- per month with top up of 10% every year. 2) L&T hybrid equity fund Regular growth - ₹5000/- per month with top up of ₹500/- every year. 3) Aditya Birla Sun Life pure value fund Regular growth - ₹4500/- per month with top up of ₹500/- every year. 4) L&T Midcap Fund Regular growth -₹6000/- per month with top up of ₹500/- every year. 5) L&T Emerging Businesses Fund Regular growth -₹6000/- per month with top up of ₹500/- every year. 6) L&T Tax Advantage fund Regular growth -₹4500/- per month with top up of₹500/- every year. 7) Aditya Birla Sun Life Tax Relief '96 fund Regular growth - ₹5000/- per month with top up of ₹500/- every year. 8) UTI Flexi Cap fund Direct growth - ₹1000/- per month. 9) DSP Midcap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 10) DSP Equity Opportunities fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 11) DSP Flexi Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 12) Aditya Birla Sun Life Equity Advantage fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 13) Aditya Birla Sun Life Flexi Cap fund - Direct growth - ₹1000/- per month with top up of ₹1000/- every year. 14) ICICI Prudential Technology Plan Direct growth - ₹1000/- per month. 15) Nippon India Small Cap fund Direct growth - ₹1000/- per month with top up of ₹500/- every year. 16) Kotak Emerging Equity fund Direct growth plan - ₹1000/- per month with top up of ₹500/- every year. 17) L&T Flexi Cap fund Direct Growth plan - ₹1000/- per month. Am I on the right track/path of investing? Please suggest necessary changes in the above portfolio if any or should I continue with the above mutual funds.Also suggest which funds should I Add/Remove from the above portfolio.

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.

Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Apr 27, 2023

Question by chittanand - Mar 28, 2023Hindi

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DEAR MR.BOKIL I AM INVESTING MUTUAL FUNDS FRANKLIN PRIMA GROWTH -4000 PGIM INDIA GLOBAL EQUITY -2000 SBI BALANCED ADVANTAGE FUND 1000 KOTAK SMALL CAPS -GROWTH 1000 ICICI PRUDENTIAL -EQUITY GROWTH -1000 HDFC MUTUAL FUND GROWTH 2000 KOTAK MUTUAL FUND-MI CAP 3000 LAST 10YEARS HOLDING SBI -165 SHARE TATA MOTORS -50 TATAPOWER 75 CANARA BANK -75 ADANI PORT-25 COAL INDIA -25 KINDLY ADVICE MY AGE

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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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/
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Question by Sunil - Sep 10, 2024Hindi

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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....
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If you can connect with me, I can help him. Have had many a students in this kind situation.
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Loads of best wishes to the whole family..

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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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