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Ajit Mishra | Answer |Ask -Follow

Answered on Dec 08, 2020

Question by Cityinfocommhsr on Dec 08, 2020Hindi

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Money

Am having following shares since long time.please suggest me to further action.am novice investor. Thanking You.

Ans:

DLF 180 - Exit

Suzlon 100- Exit

Rel Power 50- Exit

NHPC 1426- Hold

SBI Cards 38- Hold

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 Dec 03, 2020

Question by swapnil - Dec 03, 2020Hindi

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Hi Sir, I have following shares holding. PL advise.

1) Indusind Bank - 500@434 Rs each – Prefer ICICI Bank
2) Axis Bank - 300 @ 440 Rs each - Hold
3) Yes Bank -15000@Rs 17 each – Prefer HDFC, ICICI, Kotak

Ajit Mishra | Answer |Ask -Follow

Answered on Nov 19, 2020

Question by Rajendra - Nov 19, 2020Hindi

Money

I own the following shares kindly suggest the course of action.

Ashok Leyland(2117) @ Rs 85.76,	Hold
Canfinhome(415) @ Rs 382,	Exit
Delta corp(732) @ Rs 253,	Exit
Future consumer(1855) @ Rs56,	Exit
Granules(150) @ RS 120,	Exit
HDFC Std life(25) @ RS 290,	Hold
Heritage food(100) @ Rs755,	Exit
ICICI Bank(150) @ Rs190,	Hold
ITC(400)@ Rs237,	Exit
Jindal stainless(2000) @ Rs54,	Hold
Quick heal(300) @ Rs190,	Exit
Rico auto(1050) @ Rs59.75,	Exit
Union bank(645) @ Rs125,	Exit
Yes bank(3488) @ Rs50,	Hold
Meghmani organic(1020) @ Rs94.58,	Hold
Morepen(10730) @ Rs26.61,	Exit
REC(840) @Rs130	Exit
Bank of Baroda(400) @ Rs101,	Exit
Axis bank(107) @ 424.16,	Hold
Bajaj Finance(8)@2088.00,	Hold
L & T(93)@ 1095,	Hold
REC(1513)@118.51,	Hold
SBI Cards(24)@747,	Hold
State Bank(745)@243,	Hold
Tata Steel(357) @344	Hold

Ajit Mishra | Answer |Ask -Follow

Answered on Sep 25, 2020

Question by swapnil - Sep 25, 2020Hindi

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Money

Hi Sir, I have following shares holding. PL advise.

1) Indusind Bank - 500@434 Rs each - Exit
2) Axis Bank - 300 @ 440 Rs each - Hold
3) Yes Bank -15000@Rs 17 each - Hold

Jigar Patel | Answer |Ask -Follow

Stock Market Expert - Answered on May 30, 2023

Question by Bhagavati - Apr 30, 2023Hindi

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Money

I am holding below shares Infosys 20@1537 Aarati industries 61@752 Lic 15@679 Plz let me know what to do with these shares

Ans: keep holding infy, lic and exit from aarti

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Dating, Relationships Expert - Answered on Apr 15, 2025

Asked by Anonymous - Apr 15, 2025Hindi

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Relationship

Hello, I was in a relationship for nearly 5 months, but my boyfriend ended things because he felt insecure about my friendship with my best friend. He never told me that at that time, but two months after the breakup, he messaged me saying that his insecurity about my best friend was the real reason we parted ways. After we broke up I ended up with a rebound with my best friend because I was heartbroken and things started off physical between us. Now I'm confused what's right or wrong or what should I do next?

Ans: Dear Anonymous,
I understand that it must be difficult to lose a long-term relationship. Also, when you had a rebound, you were in an emotionally vulnerable place. Your friend could have politely rejected any advances because you might not have been in the right head space to think- then again, I do not want to jump to conclusions and place the blame on someone. Now, about your confusion- if you think that continuing this with your best friend can ruin your friendship, you might want to rethink it. If you think there are feelings involved, you should talk clearly about it and start by mentioning that whether they feel the same way about you or not will not affect your friendship. Once you get clarity on what page you both are on, you can start thinking about what's the next step.

Hope this helps

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Insurance, Stocks, MF, PF Expert - Answered on Apr 15, 2025

Asked by Anonymous - Apr 12, 2025Hindi

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I'm 40 years old with 20 lakh in savings and the ability to invest 25,000 per month. My primary goal is long-term wealth creation, possibly targeting financial freedom or building a substantial corpus for retirement, my child's education, or other future needs. I'd like to understand how I can best structure my investments to maximize returns while balancing risk. Should I focus on mutual funds, stocks, fixed income instruments, or a combination of these? What asset allocation would be ideal for someone my age, and how should I adjust it over time? Also, are there any tax-saving strategies I should consider along the way?

Ans: Hello;

You may start a monthly sip of 12.5 K each into a flexicap type mutual fund and a multi asset allocation type mutual fund.

You may select any fund from the top performance quartile in the respective categories.

Assuming modest return of 10% it may grow into a sum of around 1.91 Cr after 20 years.

These funds will manage the asset allocation for you depending on market scenario so no tweaking required to be done at your end.

As you reach closer to your goal the gains made should be transferred to safe heaven to avoid market volatility impact.

Happy Investing;

Mayank Chandel |2200 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 15, 2025

Asked by Anonymous - Mar 17, 2025Hindi

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Can i get admission in nit at 95.66 percentile?(EWS)

Ans: Hi
You may get Civil Engineering, Chemical Engineering, Metallurgical Engineering, Production Engineering etc in lower or newer NITs

Biotechnology, etc.

Mayank Chandel |2200 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 15, 2025

Asked by Anonymous - Apr 14, 2025Hindi

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Mujhe 12th m 46 percentage aaya hai to mai kon sa course choose karu jisse mai padh skti hu(course medical m hona chahiy) .....please suggest me and guide me)

Ans: Hi, these can be your options
1. Diploma in Medical Laboratory Technology (DMLT)
Duration: 2 years

Scope: Hospital labs, diagnostic centers

Eligibility: 10+2 pass (Science stream preferred)

2. Diploma in Radiology / X-Ray Technician
Duration: 1-2 years

Scope: Radiology labs, diagnostic centers

Eligibility: 10+2 pass with Science

3. Diploma in Operation Theatre (OT) Technician
Duration: 1-2 years

Scope: OT assistant in hospitals

Eligibility: 10+2 pass

4. Diploma in Nursing Assistant / General Duty Assistant
Duration: 6 months – 1 year

Scope: Hospitals, old-age homes, clinics

Eligibility: 10+2 pass

5. Diploma in Physiotherapy
Duration: 2 years

Eligibility: 10+2 pass (Science preferred)

6. Diploma in Pharmacy (D.Pharm)
Duration: 2 years

Scope: Medical stores, hospitals, pharma companies

Eligibility: 10+2 with Science (PCB/PCM)

Note: Some colleges allow admission with lower percentage also.

Other Allied Health Science Courses (Some may require entrance)
Bachelor of Hospital Administration (BHA)

B.Sc. in Medical Imaging Technology

B.Sc. in Medical Laboratory Technology

B.Sc. in Dialysis Therapy

B.Sc. in Optometry

B.Sc. in Nursing (Kahi jagah pe thoda high percentage chahiye hota hai)

Mayank Chandel |2200 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 15, 2025

Asked by Anonymous - Apr 14, 2025Hindi

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Namaste sir me 12th boards me 1st time appear me fail hui thi phir 2025 me reappear kiya and 75% up kar liya and me 2024 and 2025 dono me mains me hi qualify ni hu to me jee advanced 2026 ke liye eligible hu?and mains 2024 and 2025 dono diya tha but dono me qualify tak ni hu please give me right guidence

Ans: Hello
Aap 12th board exam pehli baar 2024 me di thi (even if fail ho gayi thi), toh aapka pehla attempt 2024 maana jaayega.
JEE Advanced ke rules ke mutabik, aap 12th ke baad sirf 2 consecutive years tak JEE Advanced de sakte ho.
Iska matlab:
2024 (1st chance)
2025 (2nd and last chance)

Toh 2026 me aap JEE Advanced ke liye eligible nahi hongi, chahe aapne 2025 me 12th improve karke 75% le liya ho.

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 15, 2025

Asked by Anonymous - Apr 15, 2025Hindi

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My daughter is preparing for her IIM entrance and also pursuing 2nd year graduation in B.Com. (Hons.). Can you please guide regarding the timelines of her preparation like by when should her course be complete and then how many times she should do the course revision. Her exam will fall due around November 2025. Thanks.

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Ideally syllabus should complete by June end. And then strengthening of weak concepts till August.

September to October 2025- Mock & Revision Phase
Target: Intense mocks and revision
Mocks: 2–3 full-length mocks per week
Revise shortcuts, formulas, and key strategies
Analyze all mocks in depth – learn from errors.

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Insurance, Stocks, MF, PF Expert - Answered on Apr 15, 2025

Question by Prashanth - Apr 15, 2025Hindi

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Money

Sir namaste, Invested in bajaj Allianz Life ace plan 600000 last year received 240000 .PPT 10YRS will receive 240000 till 49 yrs and maturity at 50th year 17623300 , with 6600000 life cover. Is this a good plan as guaranteed or should I split 2L /2L/2L each into stocks /MF /and guaranteed.by cancelling my 2 nd premium I will loose 360000 as I am terminating this policy.8 % returns is good for long-term? Sir ur valuable advise how to invest for retirement?

Ans: Hello;

Request you to elaborate policy term, payback(regular and final), annual premium and your age.

Traditional insurance policies never provide return higher then 5.5-6% and you seem to be claiming 8% return.

Any which way coupling insurance with investment is a blunder of mammoth proportions.

People get carried away with words like guaranteed, profit sharing, bonus rather then rationally trying to estimate the rate of return from such undesirable investments.

I reserve my final comment on this until you furnish me with the above requested details.

Thanks;

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 15, 2025

Question by Hemali - Apr 14, 2025Hindi

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Namaste sir me 12th boards me 1st time appear me fail hui thi phir 2025 me reappear kiya and 75% up kar liya and me 2024 and 2025 dono me mains me hi qualify ni hu to me jee advanced 2026 ke liye eligible hu?

Ans: Hello Hemali
Aap 12th board exam pehli baar 2024 me di thi (even if fail ho gayi thi), toh aapka pehla attempt 2024 maana jaayega.
JEE Advanced ke rules ke mutabik, aap 12th ke baad sirf 2 consecutive years tak JEE Advanced de sakte ho.
Iska matlab:
2024 (1st chance)
2025 (2nd and last chance)

Toh 2026 me aap JEE Advanced ke liye eligible nahi hongi, chahe aapne 2025 me 12th improve karke 75% le liya ho.

Dr Anshuman Manaswi |36 Answers |Ask -Follow

Plastic-Aesthetic Surgeon, Emergency Care Consultant - Answered on Apr 15, 2025

Asked by Anonymous - Mar 20, 2025Hindi

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I have read about people undergoing mini facelifts after the age of 50. I want to know more about eye bag reduction surgery for myself. Is it safe? What are the complications? I want to understand before consulting a surgeon. Can surgery help reduce wrinkles and face lines too? What would be the approximate cost of this procedure in India?

Ans: Eyebags reduction surgeries are safe. In good hands the results are satisfying and hardly any complication.
Yes, surgeries ( Facelift, brow lift, forehead lift neck lift etc do significantly reduce the wrinkles.

Cost will depend upon the surgeon's experience.

Milind Vadjikar |1175 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 15, 2025

Question by Parag - Apr 15, 2025Hindi

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Money

at the age of 50, i have 1 cr in mutual funds and stocks, I want to retire after 5 years. I want SWP of 1.5 lac rupees per month for 20 years till my age of 75, will this possible? for next 5 years I will do SIP of 75k per month

Ans: Hello;

You will need a minimum corpus of 5.5 Cr so as to generate post-tax monthly income of 1.5 L+ at a sustainable SWP rate of 4%.

With your current corpus and additional sip for 5 years you are expected to achieve a corpus of ~2.2 Cr.

This highlights a gap of 3.3 Cr which you may fund through other resources.

A modest return of 10% is considered from MF investment.

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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