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Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on Aug 29, 2023

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more

Question by Rajkumar on Aug 18, 2023Hindi

Money

I AM HAVING PORTFOLIO OF NIPPON INDIA TAX SAVER IDCW REGULAR9000 HDFC TOP 100 IDCW 3000 AND HDFC TAX SAVER 3000 PER MONTH PL REVIEW MY PORTFOLIO

Ans: Tax saver funds are the schemes that helps investor save tax under Section 80C of the Income Tax Act, 1961, but have a lock-in period of 3 years. Hence, you can reduce your contributions to tax savings fund to the extent you need the deduction. It is also suggested to change the option from IDCW to Growth from a taxation standpoint. You can continue to invest in HDFC TOP 100 Fund and it is also suggested to change the option from IDCW to Growth module. Further, you can evaluate adding a midcap fund if you have the risk appetite.

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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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Jun 07, 2023

Question by Rahul - Jun 07, 2023Hindi

Money

Please review my portfolio sir my age is 32- Parag Parikh flexicap,mirae asset mid cap fund & axis small cap fund each with 3000 rs per month for 30 year's for retirement and 1 lakh rs lumsum investment in Canara robeco small ,quant small cap & pgim mid cap fund ðŸ”¥

Ans: Dear Rahul
I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down. Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.

My recommendation only on the past performance and anticipated future outlook of your funds is as below:-
1. Parag Parikh flexicap - Good fund. Continue.
2. Mirae Asset mid cap fund - Good fund. Continue.
3. Axis small cap fund - As below
4. Canara robeco small cap – Too many small cap funds. Retain this one. Switch out others unless ready to take very high risk in portfolio.
5. Quant small cap – As above
6. PGIM mid cap fund - Good fund. Continue.

However, do note that you are taking a very high risk in your portfolio with 2 midcap and 3 small cap funds. Do consult a financial advisor to rebalance your portfolio.

Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Jul 23, 2023

Question by Rahul - Jul 17, 2023Hindi

Money

Please review my portfolio parag Parikh flexicap,Sbi mid cap, axis small cap & Canara robeco small cap fund each with 4000 rs per month sip for 25 year's ..my age is 32

Ans: We think that the funds are well-positioned for future growth. Having exposure to mid-cap and small-cap funds is appropriate as per your age and horizon and we have assumed that you have a high risk profile.

We recommend you to stop the contribution in Axis Small Cap only because of over-diversification purpose and re-start it in Mirae Asset Large Cap Fund and to keep track the performance of your portfolio.

Also, we recommend you to maintain emergency fund with you for uncertain events.
We advise you to speak with a financial expert for individualised advice.
Good luck with your financial endeavours!

Samraat Jadhav |2220 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 25, 2024

Asked by Anonymous - Jun 24, 2024Hindi

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I am 50 yr old I am investing 5000rs each in half flexi cap , ICICI prudential equity and debt fund and Nippon India small cap since Six month kindly review my portfolio thankyou

Ans: looks good, plz continue and mutual fund portfolio review has to be done after 3yrs atleast or when you chnage your objective. Let the child grow.

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Financial Planner - Answered on Jun 24, 2024

Question by Narendra - Jun 24, 2024Hindi

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I am investing 5000rs each in HDFC flexi cap ,ICICI prudential equity and debt fund and Nippon India small cap please review my portfolio

Ans: Dear Narendra,
I cannot review your portfolio with this limited information. I need to know the tenure, current investment values, goals, risk profile to evaluate the portfolio.

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Question by Arvinder - Mar 06, 2025Hindi

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Sir can you guide about abroad institute for neuropsychology after mbbs.Or road map from MBBS to neuropsychology

Ans: Hello Arvinder,

Firstly, thank you for reaching out to us. To answer your question, if you're an MBBS graduate looking to pursue neuropsychology abroad, the typical roadmap would involve first gaining a solid foundation in psychology or neuroscience, often through a master's or post-graduate diploma. Many institutes offer specialized courses or programs in neuropsychology, such as those at universities in the UK, US, or Canada. You'd want to look for programs that bridge the gap between medicine and psychology, like MSc in Neuropsychology or Clinical Neuroscience. After completing your postgraduate degree, you might consider further research or clinical training opportunities, often leading to a PhD or professional certifications. You’ll be combining your medical background with psychological expertise to understand brain-behavior relationships, which is a fascinating field!

For more information you visit our website: edwiseinternational.com
You can follow us Instagram: @edwiseint

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Ans: Hello Sanjay Kannan.
With your score and category, there are chances to get admission to mid-tier NITs to core branches. But if you are ready to take the risk, it is possible to get a CSE branch at the newly formed NIT-Mizoram or Meghalaya.

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Hello sir, my name is Priya I got 77.81%ile (OBC NCL) in jee mains 2025. Can I get seat in any nit or iiit with any branch, home state Telangana. Also also sir any suggestions to increase my percentile in April attempt?

Ans: Hello Priya
as per last year's cutoff you are not eligible for JOSAA counselling. You can improve your score and get admissions in your dream college. Control negatives, don't give into the temptation of marking the option if you are not sure, options are designed that way, you commit a mistake and you will get a wrong answer there waiting to be marked.
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I got 96.5 percentile SC cat, Male, 12thie. I'll try harder in 2nd attempt. But can I get NIT Rourkela EIE with this... I'm interested in electronics related branches and checked the syllabus and stuff and found it good.

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Sir I am a dropper and I got 82.2036193 percentile in jee mains 2025 . Sir can I clear the cutoff for jee advanced . My category is general ews and how I can improve my score in April jee mains

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Asked by Anonymous - Mar 06, 2025Hindi

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Question by Sanyukta. - Mar 06, 2025Hindi

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i got 94.4 percentile in jee mains (jan 2025 )(general, female from west bengal) , can i get any government college with CSE or ECE?

Ans: Hello Sanyukta
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Question by Dr - Feb 23, 2025Hindi

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My daughter OBC NCL category got 94.62 percentile in IIT JEE mains exam 2025 session 1 is there any chances for NIT IIIT admission chances

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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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