Hi sir. I have HINDCOPPER 2362 shares @ 119. Please advise if I should hold or sell

Ans: Since your son has completed his BBA from Bangalore, it is important to align the startup idea with his interests and skills. Start by discussing whether he is interested in pursuing business or further studies. If he is excited to start a venture, his BBA background puts him in a good position for management roles, while Cochin offers opportunities in growing sectors like IT, tourism, and sustainability. Here are some startup ideas that focus on future growth and revenue potential:

First: IT Services or Digital Marketing Agency
If your son is tech-savvy and he is interested in the IT sector, so starting a digital marketing agency or IT services company could be a great choice. Because Cochin has a growing market of small enterprises and medium businesses seeking online visibility through media. You can offer services like social media management, branding, website development and paid marketing. With minimal infrastructure costs and the potential to scale, this business can deliver steady revenue growth.

Second: Eco-Friendly Product Store
With growing awareness about sustainability, a business focused on eco-friendly products such as biodegradable tableware, reusable bags or organic skincare products can be profitable. Cochin residents and tourists alike show a growing preference for sustainable options. This business combines ethical impact with financial potential.

Third: Tourism and Hospitality Services
Given Cochin's appeal as a tourist destination, tourism businesses offering curated travel experiences such as heritage tours, houseboat rentals or adventure packages could flourish even more. This industry has strong revenue potential and scope for expansion, especially with creative offerings.

Fourth: Franchise Business
Investing in a franchise in sectors such as food and beverage, education institutions or wholesale/retail offers the benefit of an established business model. For example, partnering with a recognised brand in education technology or quick-service restaurants can lead to steady growth with low risk.

Fifth: Co-Working Space
If your son is interested in real estate and the workspace sector, starting a co-working space could be a promising venture. With Cochin becoming a startup hub, demand for flexible office spaces is on the rise. This business can provide consistent revenue through memberships.

Before finalizing any idea, conduct a market analysis to identify gaps in the local market. Your son’s active involvement will not only ensure the business aligns with his passion but will also help in building a sustainable venture for long-term growth and success.

Ans: Kindly get it confirmed that income is below threshold limit to make sure that he was not required to file ITR. Last date to file belated ITR for FY 23-24 is 31.12.2024

With reference to interest amount, as per my experience amount is usually reported by post office/Bank on accrual basis and not on receipt basis. Check correctness of interest appearing in AIS and provide feedback that whether information is incorrect/pertaining to other year etc

Ans: for short term it can go down to 2215 due to following reasons:
Promoter decreasing their shareholding
PE higher than Industry PE
Degrowth in Revenue, Profits and Operating Profit Margin in recent results (QoQ)
Increasing Trend in Non-Core Income

if you are considering it for 10yrs then its a good company but buy in tranches which will help you in cost averaging.

Ans: its overvalued in terms of price

Ans: I think I answered the same question asked to me anonymously. Yes, he is correct. Only certificate course can help him. Best of luck. Just follow me. May God Bless You. Professor..............................................:)

Ans: Hello
Since your daughter is 13 years old and just started getting periods that is menarche, she is in her puberty. She is undergoing lots of hormonal changes which is very common in this age group from 10 to 12 to 14 to 16 years of age group.
She will be having physical, cognitive and psychosocial changes. She is bound to have mood swings, irritation, change in behavior. During this phase they are in establishment of own identity, autonomy, sexuality. Not going to school can happen cause if awkwardness in periods, scare of staining clothes, not able to perform activities as routine due to pain or bleeding.
All these are common behavioral changes in most teenagers.
1) We as a parent we need to make ourselves available for open communication. With our children without hesitation.
2) We should be more like friends to them than parents.
3) Openly speak to them regarding periods, all emotional and behavioral changes to them and reassure them that these are normal changes to happen and accept them with grace and understanding.
4) Engage the kids in other activities likes their hobbies and physical exercises to control adverse behavior.
5) Talk openly about sex to your children so that they know about self-care.

Ans: I feel you should consult your previous employer or even present employer & they should readily help you to settle your problem.
Most welcome for any further clarifications. Thanks.

Ans: flat to negative

Ans: You’re considering investing in build-up property in Delhi NCR. Your plan is to hold the property for 2-5 years. While real estate has traditionally been a popular investment, let’s carefully assess if it aligns with your financial goals.

Instead of recommending a specific location, we’ll focus on the broader aspects of this decision.

Real Estate: Key Considerations
Liquidity Issues: Real estate is a long-term asset. Selling within 2-5 years can be challenging.

High Transaction Costs: Stamp duty, registration fees, and brokerage charges reduce your effective returns.

Market Volatility: Property prices in Delhi NCR can fluctuate, affecting your investment value.

Holding Costs: Maintenance charges, property tax, and potential loan EMIs are ongoing expenses.

Regulatory Challenges: Delays in possession or approval issues are common in some areas.

Why Real Estate May Not Be Ideal
Lower Returns in the Short Term: Real estate often yields moderate growth over 2-5 years.

Limited Diversification: A significant amount of money gets locked in one asset.

Economic Dependency: Property prices depend on economic cycles, interest rates, and government policies.

Legal Risks: Title disputes and litigation are common risks in real estate.

Given these challenges, let’s explore alternative investment options for better flexibility and growth.

Mutual Funds: A Better Alternative
Investing in mutual funds offers liquidity, flexibility, and long-term growth potential. Here’s why you should consider this:

Benefits of Actively Managed Funds
Professional Management: Certified fund managers handle your investments.

Diversification: Your money is spread across sectors, reducing risk.

High Growth Potential: Actively managed funds aim to outperform the market.

Ease of Monitoring: Tracking fund performance is easier than managing property.

Why Avoid Index Funds and ETFs?
Underperformance in Specific Markets: Index funds follow the market but can’t outperform it.

No Flexibility: They lack active decision-making during market volatility.

Tax Inefficiency: Gains may not match actively managed funds' post-tax returns.

Suggested Investment Strategy
Start with Goal-Based Planning: Clearly define your investment purpose.

Allocate to Mutual Funds: Divide your corpus into equity, debt, and hybrid funds.

Opt for Regular Funds Through a CFP: Avoid direct funds to benefit from expert guidance.

Focus on Long-Term Growth: Hold investments for over 5 years for compounding benefits.

Diversify Across Sectors: Invest in large-cap, mid-cap, and small-cap funds.

Avoid High-Risk Real Estate: Shift funds to mutual funds for flexibility and steady growth.

Tax Considerations
Equity Funds: Gains above Rs. 1.25 lakh taxed at 12.5%.

Debt Funds: Gains taxed as per your income slab.

Real Estate: Capital gains taxes reduce effective returns.

Mutual funds offer better post-tax returns than real estate over similar periods.

Building Wealth with Flexibility
Emergency Liquidity: Mutual funds can be liquidated quickly during emergencies.

No Holding Costs: Unlike real estate, funds have minimal ongoing charges.

Scalability: Increase investments gradually through SIPs or lump sums.

Additional Suggestions
Insurance Check: Ensure you have adequate health and term insurance coverage.

Emergency Fund: Maintain 6-12 months of expenses in a liquid fund.

Retirement Planning: Channel savings into funds aligned with your retirement goals.

Avoid ULIPs and Annuities: These are costly and less flexible than mutual funds.

Final Insights
Real estate investments come with risks and low liquidity, especially over short durations. Mutual funds offer flexibility, diversification, and growth for your financial goals. Partner with a Certified Financial Planner for expert guidance. This ensures your investments align with your objectives.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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