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Ajit Mishra | Answer |Ask -Follow

Answered on Sep 21, 2020

Question by Rithesh on Sep 21, 2020Hindi

Money

I hold below Shares at following prices. Please let me know to hold or exit

Kiri Industries 1,400 Shares @ 274

Gallantt Ispat 20,000 Shares @ 23

Vodafone Idea,1000 Shares @ 118

Yes Bank 1,000 Shares @ 12

Icici Bank 850 Shares @ 225

Ugar Sugar 1,000 Shares @ 27

Vrl Logistics 550 Shares @ 297

Ans: Hold ICICI bank, Idea, Yes Bank and VRL logistics and Exit all the other stocks.

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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Asked by Anonymous - Feb 02, 2025Hindi

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I am 48 years old. Have one child studying in 12th grade and the younger one in 6th. They both want to study abroad. But I have no seperate investments done for their education or marriage. My current household monthly expenses are around 5L. In terms of my investments i have the following Equity PMS = 1cr Mutual Funds = 2cr Debt Funds = 1cr Physical Gold = 25L EPF = 2.5cr Cash = 50L Real Estate = 6cr in 4 apartments including my residence I earn 1.5L p.m. in rental income and I have no outstanding loans on my property. Do I have enough assets so that I retire by end of this year and have sufficient funds for my childrens education (1cr each) and monthly income from investment and rent of 5L , inflation adjusted over time , so I don't see a drop. - Sam

Ans: Sam, you have built a strong financial foundation. Your assets are diversified across equity, debt, gold, and real estate. Your rental income provides a steady cash flow. However, your goal requires careful planning. You need to ensure your portfolio can sustain Rs. 5 lakh per month and fund your children's education.

Children's Education Fund
You need Rs. 2 crore for both children’s education.

You have no separate investments for this.

The funds should be parked in safe, liquid, and high-growth instruments.

Consider moving Rs. 2 crore from your portfolio into safer investment options.

Use a mix of debt funds and fixed deposits for stability.

Monthly Expense Requirement
You need Rs. 5 lakh per month, inflation-adjusted.

Your rental income covers Rs. 1.5 lakh per month.

You need Rs. 3.5 lakh per month from investments.

Your total financial assets, excluding real estate, are around Rs. 7.25 crore.

You need an income-generating strategy from these investments.

Optimising Your Investments for Regular Income
Keep Rs. 50 lakh as an emergency fund in FD and liquid mutual funds.

Your equity exposure is Rs. 3 crore (PMS + Mutual Funds).

A portion should be shifted to balanced hybrid funds.

Use SWP (Systematic Withdrawal Plan) from mutual funds for monthly cash flow.

Debt funds and EPF interest can contribute to stable returns.

Consider allocating Rs. 1.5 crore to debt and hybrid funds for stable cash flow.

Ensure a mix of equity and debt to combat inflation.

Managing Inflation Over Time
Inflation will erode purchasing power.

Your corpus should last 35-40 years post-retirement.

Keep 50-60% of investments in equity for long-term growth.

Use a dynamic withdrawal strategy, increasing withdrawals gradually.

Role of Real Estate in Your Plan
You own four apartments, including your residence.

Rental income is Rs. 1.5 lakh per month.

Real estate may not provide liquidity during emergencies.

Selling a property in the future may be needed for major expenses.

Keep one property ready for liquidation if needed.

EPF and Retirement Planning
Your EPF corpus is Rs. 2.5 crore.

This provides safety and stability.

Keep withdrawing strategically to manage taxation.

Avoid premature withdrawal unless necessary.

Health and Insurance Planning
Ensure adequate health coverage for you and your family.

Medical inflation is rising, so an enhanced health cover is necessary.

Consider a super top-up health insurance plan.

Ensure you have term insurance if any dependents require financial security.

Final Insights
You are in a strong financial position for retirement.

Your rental and investment income should support your lifestyle.

A well-structured withdrawal plan is necessary.

Prioritise securing the children's education fund separately.

Regular review and rebalancing of your portfolio are essential.

Your focus should be on liquidity, stability, and growth.

Avoid locking up funds in real estate or low-return instruments.

Work with a Certified Financial Planner to execute a structured plan.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Asked by Anonymous - Nov 13, 2024Hindi

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Sir/mam,My son aged 27 yrs is working as a app developer in a startup company for megre salary. What should he do to goto a higher position?

Ans: Hello!!

Going to a higher position is only possible by your contribution to the company by sheer hard work, giving your 100%.

The only way to a higher salary is to demand your worth. If he feels he is underpaid he must ask for more... only the person knows his worth. He has to prove by his work ethics and the results he has given to the company in terms of revenue and communicate respectfully that he deserves more. If they listen to him then great otherwise he has to look for another place where he is valued.

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Asked by Anonymous - Jan 07, 2025Hindi

I have been jobless since 2 years. During COVID, I was undergoing tremendous amount of stress due to the lockdowns & WFH. It had telling effect on me & I realized am going through depression when I joined a job which required me to work from office. I quit job a month after I joined the company where the toxic work culture had a big toll on me to the extent of instilling a fear of formal office environs in me, which continues to this day. I have become a recluse. Now I feel I should have sought professional intervention much earlier, rather than just 6 months back. I lost all confidence of turning up for interviews, leave alone joining some job. I fear & hate admitting that infront of my wife who is very temperamental & nags me consistently about job search, as much as she tries to figure out things in my life. Every day I apply to jobs but every time I fail an interview I console myself thinking that I am saved of botheration of the rigors of a job which I can't face. I don't admit to my wife so as not to infuriate her & don't trust her that she will empathise with my situation in life. Hence try to keep up with good facade. But the results never improve- I failed every interview (calls though are hard to come by) which I fully know that its because I could not give my 100 % energy. Now the reluctance is due to many factors- IT is very fast changing field; I have reached a senior level where there are many expectations on that role which I never got to nurture/grow on myself. So every interview gives me shivers: 1) About my performance 2) (provided am selected somehow) About whether I would be able to fulfill my role to my satisfaction (previous professional experience haunts me to this date). As a result of all this I very often mentally exhaust myself (worrying/ wishful)thinking of things rather than bringing myself to earn money for the family. I feel I am just doing things to fill up my day, languishing by doing things that do not bring any value- rather than positively, pro-actively doing something of my career. Due to the gap of 2 years I do not get favorable response from companies I apply to. That is a very big gap to fill & I can't talk my way into saying things like I was in depression or that I did nothing for those 2 years. That further increases my anxiety, I have grown aversion to this entire goings on. I feel direction-less & drained out all the time. Please help.

Ans: Hello!!

Let's only look at the forward path here pls.

Forget about all the failings so far... Be kind to yourself, whatever happened to you, whatever is happening now, the period of COVID did it to many.

The only way to get out of this is -
1. your willingness to see a beautiful future ahead of you
2. you have already taken the first step by seeking counselling
3. leave the habit of revisiting the past again, like you just said that I should have gone to the counselor earlier, don't do this, be happy you are seeing him/her now
4. you have come so far in life, give yourself some credit, you have not reached the senior position just like that, right? You have reached here with your efforts, you have done it before, you'll do it again, have faith in yourself
5. your wife is your life partner, sit across and talk to her, take her to the counselor make her understand that this a phase where you need her on your side. A facade with your wife is a NO NO, it will come out some day, it is extra strain on you and your relationship, come clean , be truthful and honest with her.
6. make self care a priority ..get your routine in order, it's your life, just don't fill your day with mindless activities, like I said one step in the future, start taking actions now.....get up early, expose yourself to the sun and nature( they are great healers), exercise, have good meals throughout the day, learn something new , join a course which will be job oriented, how about adding an MBA or any other course which will help you in your career or job search?
7. make being joyful a habit... spend time volunteering, go teach underprivileged children or where ever you feel like lending a helping hand
8. value yourself....you were not put here to suffer, take action now.

Forget the past, jo beet gayi so baat gayi( meaningless to talk about the past)... stop blaming, complaining....look into the future with energy and enthusiasm, it's your life man , take one step towards it every day.

Bless you to life your life well..

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Asked by Anonymous - Jan 15, 2025Hindi

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Mam, how to cope with immense blame culture anxiety at work?

Ans: Hey!!

The solution for this is to learn to stand up to the bullies, learn to say "NO", protect yourself and communicate assertively. Assertive communication is communicating respectfully in a clam and collected voice, taking care of your needs as well as others and creating a WIN-WIN. Believe me... it is a learnable skill and comes with practice.

If this works , then congratulations, else start looking for other jobs and quit, no one deserves to work in a toxic environment.
Give utmost importance to your inner peace and happiness, stand guard, let this not be disturbed by anything or anyone.

Practice yoga and meditation, this will give you immense strength and clarity of thought.

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Dear MAM , I am writing to express some concerns and seek your advice regarding my son who is currently working in the USA after completing his Master's degree. While I am proud of his achievements, I find myself feeling a bit confused about my role as a father during this phase of his life. As he focuses on his career and plans for the future, I wonder if I should expect some support from him for our family's needs, especially considering the financial burden I have undertaken for his education, which amounts to about 1 crore. Additionally, I have responsibilities towards my 90+ year-old mother and my other son, who is also in need of educational support. My son seems to be making all his life decisions independently, including matters relating to his future marriage, without seeking our input. This leaves me feeling sidelined in his life choices. Can you please share your thoughts on how I should navigate this situation? Your guidance would be invaluable as I try to understand my place and expectations in this new dynamic. Thank you for your consideration. I look forward to your response.

Ans: Dear Sir,

He is your son and your blood. You have brought him up ....your values and culture is in him. You have supported him wholeheartedly and you have always been there for him, I am sure he will be there for you too. Just sit down with your son and have a heart to heart talk with him, have the faith that you have brought up your son well, he will listen to your genuine concerns and help you out.

It is just that he is too eager to fly high, the education, the US culture, the freedom is a heady combination right now. Participate in his plans wholeheartedly and with full josh when he shares his plans with you. Don't come in his way, don't demand but ask him to help you out. Please remember that when your child stays away from you, the bonds require efforts to rebuild and make them strong again. Since he is no longer staying with you, he may not have the clear picture of what is happening in your lives here. So please " TALK " to him face to face.

You must be happy that your son has grown up enough to make his life decisions on his own, this is a good sign, he is no longer dependent on you, like you said just be proud of him and be supportive. Love him unconditionally. I know as a parent you feel left out..... what can you do, but to see your little one soar high, trust me I totally understand how you feel. You have given him the wings by funding his education, you can't demand he return the money or pay you back. What you can do is this... give him a proper picture of your financial condition, your younger son's aspirations, he is your eldest, elder children are always responsible, he will come to your rescue and help you out I am very sure of that. Let the language of love and togetherness between the son and father create the magic. Communicate with your child dear father, that's the key, that's the solution.

All the very best!!

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Question by Rishi - Jan 19, 2025Hindi

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Hello sir Mere bate ne 12 th Bosses se clear kiya h abhi usko college mai off line admission nahi mil raha tho kya wo online BCA kar sakta h..aage usko online ki wajhe se koi pareshshni tho nahi aayeghi aur usko BCA karne ke baad USA jaana ho ya india mai koi job karni ho tho online degree vailed hogi plz kahe

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Question by Narayana - Jan 03, 2025Hindi

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I am Narayana from mumbai. My daughter is studing in 11th commerce, she is take maths in 11th commerce. My question is after12 th how to do BSC IT. Please sudjest me for her career. Thanks

Ans: Hello Narayana
BSC IT requires physics & chemistry as well in 11-12th. You need to check with few universities if they allow this. Or else you can change the board & move to PCM in 12th standard.

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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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