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Samraat

Samraat Jadhav  |1874 Answers  |Ask -

Stock Market Expert - Answered on Jun 12, 2023

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
DK Question by DK on Jun 12, 2023Hindi
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Hello Mr Jadhav, What is future of Paradeep Phosphates Ltd.?

Ans: Paradeep Phosphates Limited (PPL) is India’s second largest private sector phosphatic company with a capacity of 3.0 MMTPA (finished fertilizers NPK ,DA Pand Urea). Well-diversified customer market across India covering 15 states with 21 regional offices, 450 stock points and 6,500 dealers.
FII/FPI have increased holdings from 4.74% to 5.11% in Mar 2023 qtr.
Mutual Funds have increased holdings from 16.38% to 17.48% in Mar 2023 qtr
Inefficient use of capital to generate profits - RoCE declining in the last 2 years
Inefficient use of assets to generate profits - ROA declining in the last 2 years
Decline in Net Profit with falling Profit Margin (QoQ)
Decline in Quarterly Net Profit with falling Profit Margin (YoY)
Its a fertilizer company so the price movement will be more on rainfall, govt policies and overall agriculture. Please allocate funds accordingly and always be updated on the company performance. So its a Invest Cautiously advice.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
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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Ramalingam

Ramalingam Kalirajan  |5163 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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I am 42 and want to retire by 60, I have 10 lacs in MF, 10lac in equity, 50 lac in FD, 4cr in real estate land shops etc. I don't own a house. What should be my strategy from here my monthly expenditure is close to 2 lac.
Ans: Current Financial Overview
You are 42 years old. You want to retire by 60. You have Rs. 10 lakhs in mutual funds. You have Rs. 10 lakhs in equities. You have Rs. 50 lakhs in fixed deposits. Your real estate investments are worth Rs. 4 crores. You don't own a house. Your monthly expenditure is Rs. 2 lakhs.

Assessing Your Financial Position
Mutual Funds:

Rs. 10 lakhs in mutual funds.
This provides potential for growth.
Equities:

Rs. 10 lakhs in equities.
This is good for long-term growth.
Fixed Deposits:

Rs. 50 lakhs in fixed deposits.
Safe but with low returns.
Real Estate:

Rs. 4 crores in land and shops.
Significant value but not liquid.
Monthly Expenditure:

Rs. 2 lakhs per month.
High living expenses.
Investment Strategy
Emergency Fund:

Keep at least 6 months of expenses.
This means Rs. 12 lakhs.
Diversify Investments:

Increase mutual fund investments.
Focus on large-cap and balanced funds.
Fixed Deposits:

Consider reducing FD amounts.
Reinvest in mutual funds for better returns.
Equities:

Continue with equity investments.
Diversify within sectors.
Real Estate:

Real estate is illiquid.
Consider selling some assets.
Reinvest proceeds in diversified mutual funds.
Retirement Planning
Calculate Retirement Corpus:

Aim for a substantial corpus.
This should cover post-retirement expenses.
Systematic Investment Plan (SIP):

Start SIPs in actively managed mutual funds.
This ensures disciplined investing.
Regular Review:

Review your portfolio every six months.
Adjust based on market conditions.
Benefits of Actively Managed Funds
Expert Management:

Professionals manage actively managed funds.
They aim to outperform the market.
Better Returns:

Actively managed funds often give higher returns.
They adapt quickly to market changes.
Disadvantages of Index Funds
No Outperformance:

Index funds mirror the market.
They can't outperform during good market phases.
Lack of Flexibility:

Index funds lack flexibility in volatile markets.
Disadvantages of Direct Funds
Complex Management:

Direct funds need more personal management.
Regular funds offer professional oversight.
Regular Funds Benefits:

Investing through MFD with CFP credential is beneficial.
They provide expert advice and management.
Owning a House
Consider Buying a House:

Owning a house gives stability.
It reduces future rent expenses.
Use Existing Assets:

Use some FD or real estate proceeds.
Fund the house purchase without heavy loans.
Tax Planning
Utilise Tax Benefits:

Invest in tax-saving instruments.
Reduce taxable income and save more.
Final Insights
To retire by 60, focus on diversified investments. Ensure an emergency fund. Increase mutual fund investments. Consider selling some real estate. Reinvest proceeds wisely. Buy a house for stability. Review your portfolio regularly. Consult a Certified Financial Planner for personalized advice. Stay disciplined and focused on your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

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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