Hello, I am having below shares with me, if let me know if I should hold or exit. I am looking for a very long term investment, may be 10-15 years. wipro - Qty - 100 @ 185.5 Icici bank - Qty - 50 @ 322.4 Tata Steel - Qty - 180 @ 34.05 IRCTC - Qty - 230 @ 325.6 SBI Card - Qty 50 @ 557.7 LIC - Qty 50 @ 904.1 IRFC - Qty 500 @ 25.2 TCS - Qty 10 @ 3051.3 Yes bank - Qty 500 @ 16.7 Tata motors - Qty 100 @ 76.6

Ans: Hello Prasanth
she has a decent percentile but getting CSE or IT at this percentile will be difficult. If she can improve around 3-4 percentile more then the probability of getting these branches in a good NIT or IIIT will be there. Let 2nd phase finish and then we will discuss the private & govt college of the south. Let her focus on boards & session 2 for now. All the best.

Ans: Waaleikum assalam!
At this percentile some GFTI is possible in CSAB round, we have to see what she can get in the MP state counselling. If she can improve around 4 percentile there will be great opportunities through JOSAA.

Ans: Hello Mr. Ijaz . Riding a bike daily for long distances can put stress on your back, so maintaining proper posture is essential. Ensure that your seat height and handlebar position are adjusted to keep your spine in a neutral position, preventing unnecessary strain. Strengthening your core and back muscles with exercises like planks, bridges, and superman stretches will provide better spinal support. Additionally, regular stretching of your hamstrings, hip flexors, and lower back can help maintain flexibility and prevent stiffness. Wearing a helmet is crucial for safety, and using a cushioned seat or lumbar support belt can help absorb vibrations from the road. It’s also important to avoid sudden jerks while riding and to engage your core muscles for better stability. Staying hydrated, maintaining a balanced diet, and taking short breaks on longer rides will further support your spine and overall well-being.

Ans: 4 years is the perfect age to introduce yoga to your child. You can start with basic poses/asanas and more importantly you can also introduce some breath work and mediation to help him calm down. Some poses to help him focus are the Vrishasana (Tree Pose) , Padmasana (Lotus Pose) and Garudasana (Eagle pose). Sitting in silence together for 5 mins daily can also be a great way to help him focus and calm down.

Ans: Hi,
The expenses made for daughter wedding is personal nature expense which is exempt in nature from tax.
only accounting entry in capital account will be passed to give the effect of expense & same will reduce your capital contribution of assessee in the business.
Happy to help.
Thanks.

Ans: Yes shubhankar,
if you have 50% marks you are eligible.

Ans: Hi Pranita
Apply for Central Format and upload the receipt. That will help.

Ans: Debt funds and equity mutual funds serve different purposes in an investor's portfolio. Debt funds offer stability and lower risk, while equity mutual funds focus on high growth with higher risk.

Below are the key reasons why debt funds provide lower returns than equity funds.

1. Nature of Underlying Investments
Debt funds invest in bonds, government securities, corporate debt, and fixed-income instruments.

These instruments provide fixed interest, leading to predictable but lower returns.

Equity mutual funds invest in company stocks, which have the potential for higher capital appreciation over time.

2. Risk-Return Tradeoff
Lower risk means lower return potential in debt funds.

Debt investments focus on preserving capital rather than aggressive growth.

Equities are volatile, but over the long term, they tend to generate higher returns.

3. Interest Rate Sensitivity
Debt fund returns depend on interest rate movements in the economy.

Rising interest rates reduce bond prices, lowering returns in debt funds.

Equity funds are less impacted by interest rate changes and benefit from economic growth.

4. Inflation-Adjusted Returns
Debt funds often fail to beat inflation in the long run.

Equity investments provide inflation-adjusted growth due to rising corporate earnings.

Holding equities for longer durations results in compounding benefits.

5. Growth Potential
Equities represent ownership in businesses that expand over time.

Business growth translates to higher share prices and higher returns.

Debt instruments provide fixed interest, which limits potential upside.

6. Tax Efficiency
Equity mutual funds enjoy lower long-term capital gains (LTCG) tax rates compared to debt funds.

Debt fund gains are taxed as per the investor’s income tax slab, reducing post-tax returns.

This tax treatment makes equities more attractive for long-term wealth creation.

7. Market Performance
During economic growth, companies generate higher profits, leading to higher equity returns.

Debt fund returns depend on interest rate cycles, making them less rewarding in growth periods.

Equities have historically outperformed debt over longer durations.

Finally
Debt funds provide safety and stability but offer lower returns.

Equity mutual funds outperform over time due to business expansion and compounding.

A well-balanced portfolio should include both debt and equity, based on financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: Hello Sabu
You have not mentioned your motivation to look for career change at this juncture of your life.
Is it out of passion, money or something else?
Idly, if one can afford, a parallel switch is most advisable & least disruptive. Means you should parallelly start small steps in new area & gradually switch over rather an abrupt one shot change.
As mentioned, deeper details of your thought process/circumstances will help a more precise revert.
All the Best !
Major Inderpaul
HR Expert, Career & Relationship Coach