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Samraat Jadhav |2126 Answers |Ask -Follow

Stock Market Expert - Answered on Jul 05, 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 N on Jul 04, 2023Hindi

Money

Sir should i hold these shares got from IPO but it is down from from day of listing LIC 35 shares , one 97 Communication ( PayTM) 06 shares, shri ram properties 125 shares , star health 16 shares

Ans: I am not confident on LIC as there is no innovation in product and there market share is also declining. Others please add more and hold for atleast 5 yrs.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. 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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Question by Bibhuti - Sep 18, 2020Hindi

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I have hold 11200@36 NHPC share as employee quota IPO since 2007. Should i sell or hold these? Please advise

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Question by Bibhuti - Aug 26, 2020Hindi

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I have hold 11200@36 NHPC share as an employee quota IPO since 2007. Should I sell or hold these please advise.

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Samraat Jadhav |2126 Answers |Ask -Follow

Stock Market Expert - Answered on May 05, 2023

Question by Amol - May 05, 2023Hindi

Money

Last year i had invested in LIC IPO 15 shares @13560. Should I hold or sell the shares, please guide me

Ans: from the financial numbers perspective, they are good but Decline in Net Profit with falling Profit Margin (QoQ) is a concern. the biggest problem is declining market share and with the new govt policy of tax of Rs. 5lakh premium created more problems for LIC. As the stock is at 52 weeks low and if you believe that LIC may do something to cover up (which i don't believe as innovation is lacking) you can hold for a year. If you agree on the above data then exiting will be a great option and investing that surplus in a good profit-making company.

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.

Samraat Jadhav |2126 Answers |Ask -Follow

Stock Market Expert - Answered on Sep 11, 2023

Question by Sanjay - Sep 11, 2023Hindi

Money

Hi Samraat, I have LIC 15 shares @ 889...IPO lot...what should I do, please advise

Ans: EXIT as there is no product innovation and loosing market share.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. 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.

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Ans: Hi,

You need to apply for a new community certificate and submit it when applying for the NDA exam.

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Ans: Hi,

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Ans: Hi Anonymous,
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Asked by Anonymous - Dec 24, 2024Hindi

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Hello i am almost 30 now I have invested around 40 lakhs in Market (mutual funds plus equity) 6 lakhs ppf maybe 2 lakhs pf I have parental property of combining around 2.5cr I have my parents helath insurance from a private insurance company, also covered by cghs health scheme,so no major worries about health expenses, for me i have 10lakhs health insurance Apart from this we have family pension also. As of now overall i have a monthly income of around 2-2.25 lakhs. I have a car a bike a scooty all valid for next 8-10 years What should be my goal amount for the retirement, i want it as early as possible As per the current scenario i am assuming i will live max till 75 years age. As of now i can invest 80-90k per month Yet to be married i assume i need atleast Lakhs per month as of now What should be the ideal amount with which i can retire

Ans: Hello;

Hope you have adequate term life insurance for yourself.

You may start a monthly sip of 90 K in a combination of pure equity mutual funds.

After 10 years your sip and lumpsum investment will grow into sums of 2.09 and 1.24 Cr respectively.

This adds upto 3.33 Cr. If you add your ppf and EPF corpus then this should add upto a sum of around 4 Cr.

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As you get married your expenses will rise as also the need to plan for various other goals.

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Sir mere best friend ka jo ex boyfriend tha uski shadi fixed ho gayi hai. Aur woh meri friend se last time meet karne ke liye bula raha hai. Meri friend mujhse suggestion mang rahi hai infact sath chal ne ke liye bol rahi hai. Please suggest me usse kaise aur kya samjhaun.

Ans: Dear Sonalee,
I am not sure if it's such a good idea to go and meet her ex, but if that's what she needs to do for closure, then other than supporting her, there isn't much you can do. I know it sucks to see our loved ones in pain and making choices that will cause them more pain, but in some cases, we have to let them make their own decisions. Go with her since she is asking you to; look out for any kind of tricky situation and be there for her because it won't be easy.

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Asked by Anonymous - Dec 07, 2024Hindi

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Hi sir, 52 yrs old Government servant Have savings of 2 crore, have two houses presently 06 yrs to retire No debt Liabilities are higher education of two daughters Will get total 4 crore as retirement corpus and will have savings of about 01 crore after doing all expenses Pension will be around 1.75 lakhs monthly Is it sufficient?

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If your current regular monthly expenses are 1 Lac or below then it looks okay.

Do take some good health insurance apart from coverage in government healthcare scheme for pensioners.

Best wishes;

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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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