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Samraat

Samraat Jadhav  |2374 Answers  |Ask -

Stock Market Expert - Answered on Mar 06, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Jai Question by Jai on Mar 01, 2024Hindi
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Hello sir, I have earned profit around 100% in various MF through SIP, now shall I book this profit or shall I keep the fund as it please suggest

Ans: this depends on what was your vision behind investing in these MF, if it was for profit booking then book, if it was for long term then why are you even looking at the profits?
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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Vivek

Vivek Shah  | Answer  |Ask -

Financial Planner - Answered on Apr 19, 2024

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Hello sir, I have started SIP in motilal oswal Nasdaq 100 of 100 fund since last 6 months. Should I continue with this?
Ans: Hello Vaibhav,

Firstly, it's essential to assess your investment goals, risk tolerance, and the suitability of the investment in your portfolio. The Motilal Oswal Nasdaq 100 Fund offers exposure to some of the largest and most innovative companies listed on the Nasdaq Stock Market, providing an opportunity for diversification and potential growth.

Considering you've been investing in the fund for the past six months, it's a good start to evaluate its performance against your expectations and the broader market trends. While short-term fluctuations are common in the stock market, analyzing the fund's performance relative to its benchmark index and peers can offer valuable insights.

Additionally, review the fund's investment strategy, portfolio composition, and expense ratio to ensure they align with your investment objectives and risk profile. Regular monitoring of your investments is crucial to adapt to changing market conditions and make necessary adjustments to your portfolio.

Ultimately, the decision to continue with your SIP in the Motilal Oswal Nasdaq 100 Fund should be based on your long-term financial goals, investment horizon, and comfort level with market volatility. If the fund continues to meet your expectations and remains in line with your investment strategy, it may be prudent to stay invested.

However, if you have concerns about the fund's performance, changes in your financial situation, or shifts in your investment objectives, it's advisable to reassess your investment strategy and consult with a qualified financial advisor to explore alternative options.

Remember, investing is a journey that requires careful planning, patience, and periodic review. I encourage you to stay informed, stay focused on your goals, and make decisions that align with your financial aspirations.

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Ramalingam

Ramalingam Kalirajan  |9441 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 20, 2025

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Hi Gurus , Finally last month I have started my investment in MF thru sip in following funds *Hdfc mid cap direct 4k* *tata small direct 4k* *Sbi bluechip direct4k* *Paragh flexi direct 4k* I did all sip through grow app I will wait next 15- 20years is this good any suggestions
Ans: Investing in mutual funds is a step in the right direction. Your portfolio showcases diversity and long-term focus. A 15–20-year horizon is excellent for wealth creation. Let’s review and refine your strategy.

Portfolio Review
Mid-Cap Funds
Mid-cap funds offer a mix of growth and risk. They outperform large-caps over the long term.

Small-Cap Funds
Small-cap funds are ideal for aggressive growth. However, they are more volatile.

Large-Cap Funds
Large-cap funds provide stability in your portfolio. They act as a cushion during downturns.

Flexi-Cap Funds
Flexi-cap funds are versatile. They allocate dynamically across market capitalisations.

Disadvantages of Direct Funds
While direct funds save commission costs, they require constant monitoring.

Professional Expertise Lacking
A Certified Financial Planner (CFP) ensures a well-structured portfolio.

Market Timing Risk
Direct investors may make emotional decisions during volatility.

Portfolio Review
Regular funds offer continuous reviews by professionals.

Holistic Financial Guidance
An MFD with CFP certification provides personalised investment advice.

Suggestions for Improvement
Your portfolio is good but can be fine-tuned for better results.

Diversification Across Categories
Add a hybrid or balanced fund to reduce risk.

Sectoral Funds
If confident, allocate a small portion to sectoral funds.

Avoid Overlapping Funds
Check for duplication of holdings in existing funds.

Taxation Impact
New taxation rules make tax-efficient investing important.

Equity Funds
Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.

Short-Term Capital Gains
Gains from investments held for less than one year are taxed at 20%.

Plan Tax-Efficient Withdrawals
Use these rules for optimal tax management at redemption.

Benefits of Staying Invested
Compounding Benefits
Long-term investing amplifies wealth through compounding.

Mitigates Volatility
Staying invested reduces the impact of market fluctuations.

Goal-Oriented Investing
A 15–20-year horizon aligns with long-term goals.

Actionable Steps
Consolidate Portfolio
Avoid too many funds. Stick to 4–5 well-performing ones.

Periodic Reviews
Review your portfolio every year with a CFP for alignment with goals.

Reinvest in Underperformers
Switch funds only if underperformance persists for 2–3 years.

Consider Professional Advice
Switch from direct to regular funds for expert guidance.

Final Insights
Your SIP strategy is on the right track. Small adjustments can optimise it further. Focus on professional advice and consistent reviews to maximise returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Nayagam P

Nayagam P P  |8155 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Career
Hi Shoul I take college through comedk or wbjee??
Ans: COMEDK UGET opens doors to over 190 private engineering colleges in Karnataka, featuring NBA-aligned curricula, modern AI/ML and software labs, PhD-qualified faculty, robust industry tie-ups and 80–95% placement consistency across campuses. Its all-India eligibility permits candidates nationwide and offers diverse specializations beyond traditional streams, yet fees tend to be higher and government quotas unavailable. WBJEE grants access to 106 state-level institutions—including Jadavpur University (NIRF #12)—with nominal tuition (?25 K–?4.6 L), extensive reservation benefits and multidisciplinary labs under NAAC/NBA accreditation. However, WBJEE seats are restricted to West Bengal domiciles, specialization options are narrower and average placement rates vary between 75% and 90% depending on the institute.

Pros & Cons
COMEDK delivers broader college choices and specialization tracks with strong private-sector engagement but at higher cost and limited government seats. WBJEE offers affordable education, high-prestige government colleges and reserved seats, while domicile restrictions and fewer private-sector tie-ups may constrain options.

If you seek nationwide access to a wide array of private institutes with diverse specializations and can manage higher fees, recommendation is to pursue COMEDK UGET. If affordability, government quotas, strong regional options like Jadavpur University and robust reservation benefits matter more, recommendation is WBJEE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8155 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Career
Hi sir, My sister is getting iit patna economics, IIT kharagpur chemistry . Which one to choose. Or amrita cse?
Ans: IIT Patna’s four-year B.Tech in Economics is NBA-aligned and NAAC-accredited, delivered by PhD-qualified faculty with strong foundations in micro/macro, econometrics and data analysis, supported by modern computational labs, mandatory internships and a 77.92% placement rate over the last three years with an average package of ?17 LPA. IIT Kharagpur’s B.Sc. Chemistry offers AICTE-approved curricula taught by renowned researchers in advanced organic, inorganic and physical chemistry, featuring specialized synthesis, spectroscopy and materials-characterization labs, robust research funding and active student involvement in faculty-led projects, achieving a 63.64% placement consistency for chemistry graduates. Amrita University’s B.Tech CSE is NAAC A++-accredited, with NBA-aligned specializations in AI/ML, cybersecurity and software engineering, ten specialized labs including an NVIDIA DGX supercomputer, mandatory capstone projects and internships, and a 92% placement rate with 200+ recruiters over the past three years.

For the strongest technical and industry-aligned curriculum, cutting-edge CSE infrastructure and highest placement consistency, recommendation is Amrita University CSE. Next in line is IIT Patna Economics for its data-driven analytics focus and assured internships. Lastly, choose IIT Kharagpur Chemistry for deep research immersion and specialized labs. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8155 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Career
Sir, I am getting NIT Delhi electrical and nsut delhi instrumentation and control engineering which should I prefer?
Ans: NIT Delhi’s B.Tech in Electrical Engineering is NBA-aligned and NIRF-ranked #45, delivered by PhD-qualified faculty across advanced power-electronics, renewable-energy, control-systems and signal-processing labs, with a curriculum updated under NEP2020 and mandatory one-year capstone projects. It admits 60 students annually, features 160 credit requirements with major/minor options, industry-sponsored internships and an average package of ?15.59 LPA over the last three years. NSUT’s B.Tech in Instrumentation & Control Engineering, NIRF-ranked #57, enrolls 120 students, combines interdisciplinary courses in sensors, automation and process control with state-of-the-art pilot-plant and embedded-systems laboratories, PhD-faculty mentorship and strong MoUs for industrial training; its average package stands at ?12 LPA with 98% placement consistency. Both programmes ensure accredited curricula, robust research centres, disciplined pedagogy and integrated internship pathways.

For a broader electrical-systems foundation, higher average compensation and nationally higher ranking, recommendation is NIT Delhi Electrical Engineering. If interdisciplinary instrumentation expertise with larger cohort and exceptional placement consistency appeals more, choose NSUT Delhi Instrumentation & Control Engineering. All the BEST for Admission & a Prosperous Future!

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Asked by Anonymous - Jul 07, 2025Hindi
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Respected Sir, I got admission into Nxtwave Institute of Advanced Technology in Jaipur affiliated with Vivekananda Global University. I don't really have much options as I was prepared for taking drop but I was suggested to try once for universities. I did get Newton School of Technology as well but it is slightly out of budget. There are direct admissions available too but again affordability is a problem here. I wanted the NIAT Banglore or Hyderabad campus but my father does not find it safe there. Please tell me is my decision right? I will work hard to get a good placement anywhere I am, but do skills really matter over degree. Please reply soon Sir
Ans: NxtWave Institute offers a four-year AICTE-approved B.Tech in Computer Science & Engineering (Data Science) through VGU’s NAAC A+–accredited platform, featuring a real-time adaptive curriculum co-designed with feedback from 3,000+ companies, world-class mentors from Microsoft, Google and IITs, hands-on capstone projects and early paid internships . Pros include an industry-aligned syllabus with semester-wise updates, dedicated placement support, specialization in AI/ML & Data Science, personalized mentorship via NxtWave Admission Test tracking, and strong global MOUs through VGU . Cons are its status as a new standalone institute without its own degree-granting powers (degree awarded by VGU), high fee of ?8 L, limited campus alumni network, emerging infrastructure at Jaipur, and uncertain long-term brand recognition .

Given the blend of adaptive curriculum, elite mentorship and robust internship pathways, recommendation is to join NxtWave Institute NIAT Jaipur for a tech-focused upskilling journey. If you prioritise an established campus ecosystem and broader academic autonomy, consider VGU’s in-house B.Tech programs at established engineering colleges instead. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8155 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
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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