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Ajit Mishra | Answer |Ask -Follow

Answered on Aug 25, 2020

Question by Jayesh on Aug 25, 2020Hindi

Money

Please can you guide me on my current holding. I have invested these with long term view of 3 to 5 years. Please suggest new stock or suggestion on my current holding. I need to invest total of 7 lakh for 5 years in equity.

Ans:

1.sbi bank-350 @152 - Hold

2.bhel - 1000 shares at 28 – Exit, Buy L&T

3.idea vodaphone-5000 @ 5.65 – Exit. Buy Bharti Airtel

4.bank of baroda -1000@44 - Hold

5.canara bank - 1000@100 – Exit, Buy ICICI Bank

6.yes bank -1000@12 – Hold

7.jaypee infratech - 10000@1.50 - Exit

8. Sail - 1000@28 - Exit

9.indian bank- 1000@49 – Exit, Buy Axis Bank

10.gujrat heavy chemical -900@105 - Hold

11.suven life science -300@40 - Exit

12. National fertiliser ltd-100@35 - Exit

14. ongc-1000@80 – Hold

One can buy stocks like Reliance Industries, Whirlpool of India and HDFC bank for long term.

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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Ajit Mishra | Answer |Ask -Follow

Answered on Apr 01, 2020

Question by Jay - Apr 01, 2020Hindi

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I have following holding, kindly advise should I continue to Hold or Exit. Also suggest some good stocks with 3 to 5 years horizon. I have plans to invest about 25,000/month going forward. Sir, kindly guide me as I want to build a good portfolio for my retirement in next 10 years, my current age is 41 years.

BOB holding 115 shares @ Rs.164.85 -- Hold
Bharat 22 ETF holding 417 shares @ Rs.35.97 Hold
Cipla holding 30 shares @ Rs.570.29 -- Hold
GMR Infra holding 100 shares @ Rs.26.84 -- Exit
HDFC Life Insurance holding 50 shares @ Rs.443.37 -- Hold
IOCL holding 70 shares @ Rs.188.40 -- Hold
ICICI Securities holding 66 shares @ Rs.497.31 -- Hold for atleast 2-3 years
Infosys holding 15 shares @ Rs.652.24 -- Hold
Ircon International holding 30 shares @ Rs.475 -- Hold
LIC HFL holding 50 shares @ Rs.503.12 -- Hold
L&T holding 25 shares @ Rs.1301.06 -- Hold
ONGC holding 70 shares @ Rs.207.20 -- Exit
Sterlite Tech holding 35 shares @ Rs.329.56 -- Exit
Tata Motors holding 50 shares @ Rs.274.64 -- Hold for 3-4 years
Wipro holding 33 shares @ RS.208.44 -- Hold
Yes Bank holding 100 @ Rs.197.78 -- Hold, don't average
Zee Entertainment holding 60 shares @ Rs.277.45 -- Exit

Some of the good stocks one can include are HDFC Bank, ICICI bank, Britannia Industries, Dabur, Reliance Industries, and Maruti Suzuki

Ajit Mishra | Answer |Ask -Follow

Answered on Aug 25, 2020

Question by R - Aug 25, 2020Hindi

Money

Please advise on below stocks, presently invested

Ans: BHARTI AIRTEL LTD - Hold
ICICI PRUDENTIAL GOLD ETF - Hold
ICICI PRUDENTIAL NIFTY ETF - Hold
INDIAN RAIL CAT AND TOUR IRCTC - Hold
IRB INFRASTRUCTURE DEVELOPERS - Exit
NTPC LIMITED - Hold
RATTANINDIA POWER LIMITED 1.90 +2.70 190.00 100 0 0 Buy Sell   - Exit
NIPPON IND ETF NIF MIDCAP - Hold
RELIANCE COMMUNICATIONS LIMITE - Exit
NIPPON INDIA ETF LONG TERM GIL - Hold
RELIANCE INDUSTRIES - Hold
RELIANCE POWER LIMITED - Exit
ADANI GREEN ENERGY LTD - Exit
ADITYA BIRLA CAPITAL LIMITED – Hold for atleast 2-3 years or else EXIT
GLENMARK PHARMACEUTICALS LTD - Hold
ICICI SECURITIES LTD ISEC - Hold
JSW STEEL LIMITED - Hold
SIEMENS LTD - Hold

Ajit Mishra | Answer |Ask -Follow

Answered on Sep 25, 2020

Question by Balbir - Sep 25, 2020Hindi

Money

Following stock holding pl advise. NEXT WHICH TO PURCHASE, WHERE TO ADD, WHERE TO REDUCE, WHERE TO EXIT?

HERO MOTOR	Hold
MARUTI	Hold
ASIAN PAINT	Hold
ACC	Hold
ULTRATECH	Hold
TCS	Hold
INFOSYS	Hold
TECHM	Add
HCL TECH	Hold
BHARATARTL	Add
RIL	Hold
SUNPHARMA	Hold
AUROBINDO	Hold
TITAN	Hold
HAL	Add
BEL	Hold
ASTRAMICRO	Exit
BDL	Add
ICICI	Hold
INDUSIND	Exit
SBI	Add
PIDILLITE	Hold
IRCTC	Hold

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My wife is retired Her income from STCG from debt funds in this FY is 61000 Her income from LTCG from debt funds is 499000 If she invests Rs 61000 in ELSS will IT DEPT allow rebate of 61000 under section 80c and if so, her taxable income being 499000, will she get rebate under section 87A under the old tax regime

Ans: 01. Kindly note that Tax Rebate u/s 87A is not available if your taxable income exceeds Rs.5,00,000.00, in old tax regime also. I feel in this case taxable income would be more under different heads like Pension & Interest Income etc.
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Question by lavan - Feb 26, 2025Hindi

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Hi, I'm Lavan Kumar, i'm 34 year old married, one daughter of 6yr old. my current take home salary is 80k. my current PF balance as on Jan'25 is 8.5L Holding 1Cr term insurance with a premium of 18K per annum medical premium of 40k per annum for my family ( including parents). PPF Balance is 1.18L, investing around 20K per year investing in NPS from Dec'22 onwards and currently holding 2L and investing 50K every year and also investing 4500 monthly through employer from my salary( above mentioned sal is excluding this amt) Investing 9k per month in 5 mutual funds 1.Kotak infrastructure and Economic reform fund - 2k 2.Quant infrastructure fund -2k 3.Bandhan sterling value fund - 1k 4.SBI long term equity fund - 2k 5.Quant Multi Asset fund - 2k Paying LIC of 27K per year for 10L sum assured. currently holding a personal loan with an EMI of 27k per month, same will be closed by Dec'25. Please guide me on how to achieve 1Cr in next 10 years and where to invest to achieve my target.

Ans: Hello;

You may be able to achieve 1 Cr corpus in the following manner;

1. Do a flat monthly SIP of 50 K for 10 years.

2. Begin with a monthly sip of 15 K and step it up every year by 30% minimum.

Other option is to do a flat monthly sip of 20 K for 17 years to achieve 1 Cr.

A modest return of 10% is considered.

Also your funds need a complete rejig for which you may get in touch with a MFD.

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I have sold a flat on 12th Feb2025 for Rs.65 lacs. I have bought this for Rs.11 lacs on 5th April 2005. I do not wish to buy another property . I wish to invest in Capital Gains Tax Saving Bonds. I am 72 years old. How much is the LTCG ? How much do I need to invest in the CG Tax Saving Bonds to minimise the tax ? What will the tax amount payable ? Thanks and regards

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.30.00 lakh. It may reduce your tax payment significantly.
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sir, I want to check how much money i have in my IT file . i want to purchase land, so want to make confirm is their sufficient amount in file. For this which amount i have to check. Please advice.

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Asked by Anonymous - Feb 26, 2025Hindi

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I sold a property for Rs130 lacs in this month. I bought it for Rs.18 lacs in August 2005. I bought in joint name of self and spouse. I got the sales payment equally in both names. We do not wish to buy another property as I am over 70 years of age and my wife over 67 years. How much should we each invest in CG Tax saving bonds to get exemption ? Both of us are filing returns separately.

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.35.00 lakh each. It may reduce your tax payment significantly.
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Question by Raj - Mar 04, 2025Hindi

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Hi My father purchase ist and barsati floor in 1986 @ 2 lac... He made 3rd floor construction... We dont have construction expenses bills Now he want to sell@ 10 lac each floor to 3 indiviual buyers, means total 30 lac sale considration ., how it can be shown in income tax... Will 2 lac buy value is divide in 3 floor?

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Question by K - Feb 19, 2025Hindi

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I bought a flat in 2000 for 15 lakhs. Recently my wife got a share of land from her dad through settlement deed. We want to construct a house in few months time. Im planning to transfer my flat to her name through a settlement and then sell it for 1.5 crores so as to fund the new house. Will it still attract CG tax for me or for my wife?

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Question by shraddha - Feb 22, 2025Hindi

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Hello Sir, I am 35 year old working women & having SIP of 51K for 15 years. I started it 2 years before.(Current amount is 14L) My salary is 85K per month. I have 10 years daughter. I have currently purchased 2BHK home having home loan of 50L for 15years.My target is close the loan in next 5 years. Rent is coming 15K. EMI is 70K.(35K husband pays the EMI).NPS is 50K yearly. LIC 35K yearly. I want to retire by 2036 with amount of 2cr.Please suggest.

Ans: Hello;

With your current sip of 51 K you may be able to achieve a corpus of 2.13 Cr in 15 years time frame. (Assuming modest return of 10%).

You may use partial withdrawal from NPS/EPF, if any, and LIC policy proceeds to prepay the home loan.

Best wishes;

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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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