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Samraat Jadhav |2095 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 20, 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

Question by anit on Apr 19, 2023Hindi

Money

HII I AM 40 YEARS OLD AND I AM INVESTING IN BELOW FUNDS SCINCE LAST 6 YEARS 1) FRANKLIN INDIA FLEXI CAP FUND GROWTH, 2) ICICI PRUDENTIAL VALUE DISCOVER FUND 3) HSBC MID CAP FUND TOTAL INVESTMENT 6K PER MONTH PLEASE ADVICE SHOUID I CHANGE OR CONTINUE 0

Ans: CHANGE

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Mar 17, 2020

Question by H - Mar 17, 2020Hindi

Money

Kindly advise me regarding following funds in which I am investing Rs. 8000/- per month. Should I continue or switch over to other funds? Fund name Catgory Star Rating H K Dikshit 1. Aditya Birla Sun Life Banking And Financial Services Fund - Regular Gr Equity - Sectoral Fund - Banks & Financial Services 4 2. HDFC Small Cap Fund - Gr Equity - Small cap Fund 1 3. SBI Banking & Financial Services Fund - Gr Equity - Sectoral Fund - Banks & Financial Services 5 4. SBI Focused Equity Fund - Regular Plan – Gr Equity - Focused Funds: 4

Ans: You may continue with the 5 & 4 rated funds; however for Small cap better alternative is available

Equity - Small cap Fund: Axis Small Cap Fund - Regular Plan - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 30, 2020

Question by Anoop - Jan 30, 2020Hindi

Money

I do a regular investment per month of Rs 8000 as SIP in mutual funds. The fund currently I am holding are: 1. HDFC Top 100 Fund -Rs 2000 2. ICICI prudential value discovery fund -Rs 1000 3. ICICI prudential blue chip fund - Rs 1000 4. HDFC Hybrid equity fund - Rs 1000 5. SBI blue chip fund - Rs 1000 6. SBI Small cap fund - Rs 1000 7. Mirae asset large cap fund - Rs 1000 I have invested Rs 214,372 till now and my market value is Rs 230,213 which means my annual return is 8.8 per cent. Shall I continue to invest in the above fund or shall I switch to some other better fund as per your advice and what will be my capital if I continue to invest for next 7 years as my current age is 43 years and I wish to invest till my age reach 50. Name of the Fund Category RankMF Star Rating Anoop Adhikari 1. Hdfc Top 100 Fund -Rs 2000 Equity - Large Cap Fund 4 2. Icici prudential value discovery fund -Rs 1000 Equity - Value Fund 3 3. Icici prudential blue chip fund- Rs 1000 Equity - Large Cap Fund 3 4. Hdfc Hybrid equity fund - Rs 1000 Hybrid - Aggressive Hybrid Fund 5 5. SBI blue chip fund - Rs 1000 Equity - Large Cap Fund 3 6. SBI Small cap fund - Rs 1000 Equity - Small cap Fund 3 7. Mirae asset large cap fund - Rs 1000 Equity - Large Cap Fund 4

Ans: You may please continue with 4 and 5 star schemes; for the rest you can consider these:

Equity - Large Cap Funds:

LIC MF Large Cap Fund-Growth
Axis Bluechip Fund-growth

Equity - Small cap Fund:

Kotak Small Cap Fund – Growth
Axis Small Cap Fund – Growth

Equity - Value Fund:

Tata Equity P/E Fund (Growth Option)
UTI Value Opportunities Fund- Growth Option
L&T India Value Fund Growth Option

Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on May 25, 2023

Question by Mukesh - May 25, 2023Hindi

Money

I am investing 4000 per month each in: ICICI Pru Blue Chip Kotak Flexi Cap Mirae Asset Emerging Blue Chip Axis Blue Chip ICICI Pru MultiCap Fund Axis Multi Cap Franklin India Focused Equity Mirae Asset Focused ICICI Pru Multi Asset Kotak Emerging Equity Axis Mid Cap Nippon India Small Cap Kotak Small Cap Fund HDFC Index Sensex Plan (G) Tata Digital India Fund Kotak Small Cap ICICI Pru Value Discovery Fund Nippon Large Cap Please advise : SHould I continue or change?

Ans: so many schemes will not help you achieve any diversification
kindly stop and redeem some funds and the schemes that you can continue are mirae emerging kotak emerging axis mid and nippon small hdfc index fund and icici bluechip

Ramalingam Kalirajan |7097 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Question by Ram - May 17, 2024Hindi

Money

Sir good morning. I am 27 years old. I have been investing Rs 10000/- each in SBI Mid cap fund, Small cap Fund and Rs 10000 in ABSL Flexi cap fund and Rs 5000/- in HDFC Midcap funds. I may please be guided whether to continue or to switch to other funds. Thank you sir.

Ans: At 27, you're making proactive investment decisions, which is commendable. Let's review your current investment strategy and explore potential adjustments:

Assessing Your Current Portfolio
SBI Mid Cap Fund and Small Cap Fund: Mid-cap and small-cap funds offer growth potential but come with higher volatility. Consider your risk tolerance and investment horizon when evaluating these funds.

ABSL Flexi Cap Fund: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. They offer diversification and potential for growth.

HDFC Midcap Fund: Similar to SBI Mid Cap and Small Cap funds, HDFC Midcap Fund focuses on mid-cap stocks. Assess whether the overlap in mid-cap exposure across funds aligns with your diversification goals.

Considerations for Continuation or Switch
Performance: Evaluate the performance of your current funds relative to their benchmarks and peers. Consistent underperformance may warrant a review.

Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistency in performance and adherence to investment objectives are key considerations.

Fund Objectives and Strategy: Ensure that the investment objectives and strategies of your funds align with your financial goals and risk profile.

Potential Actions
Review Fund Performance: Conduct a detailed analysis of the performance of each fund in your portfolio over different time periods.

Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner (CFP) to review your investment strategy and explore alternative fund options based on your goals and risk tolerance.

Consider Diversification: Evaluate the need for diversification across asset classes and investment styles to mitigate risk and enhance long-term returns.

Conclusion
While your current investment strategy demonstrates a focus on growth-oriented funds, it's essential to periodically review your portfolio and make adjustments as needed. Assess the performance, objectives, and risk profile of your funds, and consider consulting with a financial advisor for personalized guidance.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Latest Questions

Milind Vadjikar |671 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 21, 2024

Question by Varinder - Nov 17, 2024Hindi

Money

With starting salary ?12000 CTC. At 5% increase in contribution annually. What will be way ahead at the time of pension with 15 years of career. and how much pension monthly will I get???

Ans: Hello;

Request you to kindly rephrase your question.

Thanks;

Milind Vadjikar |671 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 21, 2024

Question by kiran - Nov 19, 2024Hindi

Money

I am 41 years old, having FD of 15 lacks , my package is 12L/Annum . Other than this i have polices and no savings. Can anyone suggest retirement plans and savings plan further

Ans: Hello;

You can invest in NPS for your retirement planning.

For your other goals you may invest in different type of mutual funds based on your risk appetite and time horizon.

Never mix insurance (pure protection)with investment.

Happy Investing;
X: @mars_invest

Milind Vadjikar |671 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi

Money

I am 39 years working women my current salary is 25k due to multiple unsecured loan trap my emi is reached to 55k per month . Most of the loan 75% emi repayment done but 2 loans emi is very high and remining tenure is almost 1.5 year total outstsnding appx 4.5 lacs really dont know how can i get over from this . Please advice

Ans: Hello;

Sell any gold which you may have and repay the loan. Once the loan burden is over you can buy gold again later.

Check if you can port the loan to another lender with lesser rate of interest.

Borrow from your close relatives/employer, if possible, to get you over the loan and repay it later.

If the recovery agents are harassing you beyond due follow-up then report it to the Police/RBI.

Please be firm and positive to get over this difficult phase.

However if you feel depressed kindly consult a psychiatrist.

Best wishes;

Nayagam P P |3916 Answers |Ask -Follow

Career Counsellor - Answered on Nov 21, 2024

Question by yakub - Nov 21, 2024Hindi

Career

My daughter is in class 12th and preparing for her Jee. What course she should take up which will have great opportunities in future

Ans: Yakub Sir, It would be beneficial to have a conversation with your daughter regarding her interests, strengths, and career aspirations—whether she plans to continue her studies after her BTech or gain experience before pursuing her Masters, either in India or abroad. Certain fields have historically drawn a higher number of female students in India, influenced by societal views, considerations of work-life balance, and available career prospects. Here are a few suggestions: (1) Computer Science Engineering (Core) (2) Computer Science Engineering (Artificial Intelligence & Machine Learning) (3) Computer Science Engineering (Artificial Intelligence & Data Science) (4) Information Technology (5) Electronics and Communication Engineering & (6) Biotechnology / Bioinformatics. Please also make sure that she joins a Colleg where the placements records have been good during the last 3 years. All the BEST for Your Daughter's Prosperous Future, Sir.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Milind Vadjikar |671 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 21, 2024

Asked by Anonymous - Oct 10, 2024Hindi

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Hello Mr Shah How worth / meaningful will it be for a 55 yrs person to start investing in NPS. Yearly capability of investment around 3L, with investment horizon of 6-7 yrs. This option I’m weighing against couple of guaranteed return (yearly certain amount of fxd return till life) tax free insurance linked investments. Also let me know what is the minimum number of yrs one has to invest prior to withdrawal and how much max (%) can be withdrawn lump sum. Best! Regards

Ans: Hello;

6-7 year time horizon for NPS may not be optimal.

Also after 60, you may withdraw maximum of 60% of your investment value while the rest 40% has to compulsorily be utilised to buy an annuity.

Happy Investing;

Radheshyam Zanwar |1054 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi

Career

Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...

Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Samraat Jadhav |2095 Answers |Ask -Follow

Stock Market Expert - Answered on Nov 21, 2024

Question by RAGUL - Nov 17, 2024Hindi

Money

I am a new and first time investor (not a trader) right now I see market correction as a good entry for me and I got fet questions, 1.how long do we foresee this correction to happen (in weeks or months)? 2. Should I take entry in small steps across potential stocks so that I can average out? 3. I think this is the right time for this question - what potential stocks can give me 40 to 50% returns in next 12 to 15 months and 70 to 80% in next 24 months (this is a very optimistic number as I already see some good stocks had come down by 20 to 30%)

Ans: 1) Corrections are always temporary, and the growth is real for long term so now the downside is limited.
2) Yes, if you have Rs. 100 start investing Rs.25 and keep adding 25 in every fall.
3) All Blue Chips and then Mid Cap Companies. (Choose quality always)

Milind Vadjikar |671 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 20, 2024Hindi

Money

Hello Sir, I am 55 and plan to retire. I will get 85 lakhs after retirement from provident fund and will get 45k monthly pension which will increase twice with increase of Dearness Allowance as per Central Govt rules. I will also get 9k as rentals. I have no loans and have own house to live. Can I survive with family of three(myself, wife and mother aged 74years)

Ans: Hello;

What is the approx monthly household expenses as on today?

What kind of healthcare benefit will you and your wife get from your employer after retirement?

Do you have a separate healthcare insurance policy for both of you as well as your Mother?

Kindly provide response on the above points so as to recommend suitably.

Thanks;

Pradeep Pramanik |186 Answers |Ask -Follow

Career And Placement Consultant - Answered on Nov 21, 2024

Asked by Anonymous - Aug 14, 2024Hindi

Career

My Director interviewed me for 3 times in 6 months and then took me after cautious decision. When i joined five months ago i kept working dedicatedly but after 4 months he suddenly asked me to resign on intercom and by calling me to his room without any reason of non performance or integrity or behaviour or anything No allegations were there and allegation was shared as well Finally i had to quit as he threatened of sacking if i dont quit Hence i had to first send several e mails of request and then when he didn't agree i sent a 2 line resignation While i had already assured him of improvise the performance of his loss making organization to break even in at least 50% operations but he didn't budge. My ctc in my organization was highest and i am not sharing my contact number because he may try to harm me in my finding a job 1. How do i remain in touch with this Expert Advice always 2. How can i personally talk one to one 3. How do i know what to do next as such unthoughtful appointments leave is in lurch and very very painful Regards

Ans: Dear Once you have resigned under pressure , It is not advisable to request for any consideration. Better to move on if you are capable.

Pradeep Pramanik |186 Answers |Ask -Follow

Career And Placement Consultant - Answered on Nov 21, 2024

Question by KESHAVA - Oct 16, 2024Hindi

Career

I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.

Ans: Dear Mr. Keshava ,

There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

See more questions »

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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