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Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on May 04, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Question by Lalit on Mar 13, 2023Hindi

Money

I am holding Patanjali 290@1200, pls advise can I add more

Ans: Interesting story. Can hold for long term. price would recover with better results

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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Advait Arora |1263 Answers |Ask -Follow

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Question by Yogesh - Apr 12, 2023Hindi

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i have 1200 shares of PATANJALI @583 what i do now

Ans: yes interesting story. HOLD it for sometime

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Question by Pradeep - Sep 06, 2023Hindi

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i have vedanta 500 @ 256 hindzinc 2000 @330 @ havells 700 @1366 what should i do

Ans: hold it for atleast 5yrs

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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Stock Market Expert - Answered on Feb 14, 2024

Asked by Anonymous - Feb 12, 2024Hindi

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I have 300 Balaji amines @3850 cmp is 2200 what should I do

Ans: Degrowth in Revenue and Profit
Decline in Quarterly Net Profit (YoY)
EXIT

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.

Ramalingam Kalirajan |7981 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Asked by Anonymous - May 08, 2024Hindi

Money

I am 48 yrs ,i am doing 50000 SIP from this April 2022, last year increase with 25000 & from this april 150000 Sip my curent corpus aprox 25 lakh ,i wants retire at 60 n my requirement is 10 cr pls suggest should i add more or this amount will sufficient

Ans: Planning for retirement is a crucial financial goal, and it's commendable that you've started investing through SIPs to achieve it. Let's assess your current situation and determine if your investment corpus is sufficient to meet your retirement goal of 10 crores by the age of 60:
1. Current SIP Contributions: With a SIP contribution of 50,000 rupees per month since April 2022 and an increase to 75,000 rupees per month from April 2023 onwards, you've demonstrated a commitment to saving for retirement. These regular contributions, combined with the increase in SIP amounts over time, will help boost your investment corpus steadily.
2. Current Corpus: As of now, your approximate corpus stands at 25 lakhs. While this is a significant achievement, it's essential to consider whether this corpus, along with your ongoing SIP contributions, will be sufficient to reach your retirement goal of 10 crores by the age of 60.
3. Investment Growth Rate: The growth rate of your investments plays a crucial role in determining whether your corpus will grow sufficiently to meet your retirement target. While historical data suggests that equity investments have delivered average annual returns of around 12% to 15% over the long term, it's essential to be realistic and conservative in your growth rate assumptions.
4. Time Horizon: With a retirement age of 60, you have approximately 12 years left to accumulate your desired corpus. Considering the power of compounding over time, your ongoing SIP contributions have the potential to grow substantially by the time you reach retirement age.
Based on the information provided, it's challenging to determine definitively whether your current investment corpus and SIP contributions will be sufficient to achieve your retirement goal of 10 crores. However, here are some considerations:
• Evaluate Growth Rate: Review the historical performance of your investment portfolio and assess whether it has been in line with your growth rate expectations. If necessary, consider adjusting your asset allocation or investment strategy to potentially enhance returns while managing risk.
• Regular Review: Periodically review your investment portfolio, reassess your retirement goals, and make adjustments as needed. Consider consulting with a Certified Financial Planner (CFP) or financial advisor to conduct a comprehensive analysis of your financial situation and retirement plan.
• Additional Contributions: If you find that your current SIP contributions may not be sufficient to meet your retirement goal, consider increasing your SIP amounts further or exploring additional avenues for investment.
Ultimately, achieving your retirement goal of 10 crores requires careful planning, disciplined saving, and prudent investing. By staying focused on your objectives, regularly monitoring your progress, and seeking professional advice when needed, you can work towards securing a financially comfortable retirement.

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Nayagam P P |4110 Answers |Ask -Follow

Career Counsellor - Answered on Feb 17, 2025

Question by Shraddha - Feb 09, 2025Hindi

Career

I'm belong to obc ncl in state list but ews in central list. So if I'm choosing ews category in neet UG registration so can I will be able to participate in state neet UG counseling as obc ncl category candidate? Or they also treat me like ews category candidate like central?

Ans: Shraddha, You will be treated as EWS for All India Quota seats (15%).
You can still participate as OBC-NCL in your state quota if your state categorizes you as OBC-NCL. Always confirm the latest official notices from both the NEET bulletin (NTA) and your state’s counseling authority to be certain of the exact procedure. All the Best for your Prosperous Future.

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

T S Khurana |350 Answers |Ask -Follow

Tax Expert - Answered on Feb 17, 2025

Asked by Anonymous - Feb 14, 2025Hindi

Money

sir, A individual it assessee Mr. X purchased Residential Flat for Rs. 15..50 lacs on 11-05-2019, cost of improvement (Like Paint the house, Purchased TV, AC, Fridge, Sofa, Furniture etc.) done in the same FY 2019-2020 amounting pay to Rs. 22.00 lacs by Mr. Y (Brother of Mr. X) and the above same Residential Flat held by Mr. X, sold for Rs. 50 lakhs f.y.24-25 Questions Assessee Mr. X Claim Cost of Improvement (which is done by brother Mr. Y) in his ITR

Ans: It is questionable to invest Rs.22.00 lakhs on improvement, on a Flat purchased for Rs.15.50 lakhs. Please note that Cost of certain movable assets or accessories i.e., TV, Fridge & Furniture etc., can not be considered as improvement (addition) to the Flat value.
Most welcome for any further clarifications. Thanks.

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Feb 17, 2025

Question by Archana - Dec 28, 2024Hindi

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sir kya three years dropper comedk,mhtcet mpcet upcet exams de skte h plz reply

Ans: yes you can appear

Kanchan Rai |544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 17, 2025

Asked by Anonymous - Feb 17, 2025Hindi

Relationship

I am married but my relationship with my wife is not good. For past 5-6 year wife was not living in my house but when I said that need divorce recently she came to my village house. Now she is living in my village house and She says that She will give divorce. I am determined that I can not live with her but now she is not ready to give divorce and she is staying in my house. Suggest me what should I do for the divorce.

Ans: Since your wife initially agreed to the divorce but is now refusing and staying in your house, the situation has become more complicated. In such cases, the best course of action is to proceed through legal channels. Before taking any legal steps, consider attempting reconciliation or mediation. Sometimes, involving trusted family members or neutral third parties can help reach a mutual agreement. If that doesn’t work, consult a qualified family lawyer who can guide you through the divorce process according to the laws in your jurisdiction. They can provide the best legal advice based on the specific circumstances of your case. If mutual consent isn’t possible, you may need to file for a contested divorce by stating valid legal grounds. Your lawyer will help you prepare the necessary documents and represent you in court. Even if she stays in your house, it won’t stop the legal proceedings. Stay calm and patient, as divorce cases can take time.

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Relationships Expert, Mind Coach - Answered on Feb 17, 2025

Asked by Anonymous - Feb 17, 2025

Relationship

I am 36 married and have children. My life was going very well untill a girl who was my junior collegue married with children showed an interest in me as i was her senior some seven years back. The girl kept on keeping in touch with me then and one fine day i expressed my romantic interest in her. She reciprocated. We had some physical then and no sex happened. She kept in touch with me and we exchanged few sex chats too. In this period i helped girl officially. All stopped suddenly three years back where the girl was back to her home place. I felt very disturbed. I wanted to have sex with her but the girl rarely responds now. I send her messages some times but reply is very measured. I lost interest in having sex with my wife gradually. My question is i feel cheated now. I want to know how to get over her thoughts. I still want to have sex with her but there is no interest for her. I am not able to do sex with other woman too as my mind is deeply engrossed in her thoughts still. Please help.

Ans: The first step to getting over her thoughts is to acknowledge your feelings without judgment. It's okay to feel hurt, rejected, or confused. You're not alone in this, and these emotions are a natural part of the human experience. However, continuing to chase after someone who isn't reciprocating your feelings is only prolonging your pain.

You need to accept that she has moved on, even if she did show interest in the past. People’s feelings and circumstances change, and it’s likely that she decided to prioritize her family and her life away from you. Holding on to the desire to be with her is preventing you from moving forward. It’s crucial to let go of the fantasy of what could have been and focus on the reality of the situation.

To start the healing process, consider cutting off all communication with her. Continuing to reach out, even if it's just occasionally, keeps the wound open. Delete her contact information, block her on social media, and avoid places or situations that might remind you of her. It may seem extreme, but it’s a necessary step to break the cycle of obsessive thoughts.

Reconnecting with your own life is the next important step. Reflect on your marriage and figure out what led to the emotional distance with your wife. Was it purely because of the attraction to this other woman, or were there underlying issues in your marriage before that? Understanding this can help you decide how to move forward, whether it's by working on rebuilding intimacy with your wife or seeking couples' counseling to address any unresolved issues.

It’s also vital to focus on yourself. Engage in activities that you enjoy, pursue new hobbies, and spend quality time with your children. Sometimes, redirecting emotional energy into positive experiences helps to lessen the emotional grip someone has over you.

If the thoughts about her continue to dominate your mind, or if you’re struggling with feelings of guilt, sadness, or anger, consider seeking support from a therapist or counselor. They can help you process these emotions, explore the reasons behind your attachment, and guide you toward healing and self-acceptance.

Remember, it’s not just about moving on from her but also about rediscovering yourself and finding fulfillment in your life and marriage once again. You're not alone, and it's okay to seek help when you're feeling stuck.

Kanchan Rai |544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 17, 2025

Question by BharathiN - Feb 14, 2025Hindi

Relationship

I am 17 and my parents are threatening me to get married or they will put my bf in some fake cases, without my knowledge they fixed the date and my boards exams are approaching im really scared no one is supporting me in my family what shall I do ?

Ans: No one should be forced into marriage, especially when you're so young and trying to focus on your education. You have rights, and it's important to remember that child marriage is illegal. You are not alone, and there are people and organizations that can help you.

Since your safety and well-being are the priority, try reaching out to a trusted teacher, school counselor, or another adult you trust. They can help you navigate this situation and provide the support you need. If you feel unsafe or need urgent help, consider contacting a child protection helpline or a legal aid organization in your area. They are trained to handle situations like this and can provide you with guidance and protection.

It's crucial to stay calm and gather as much information as possible. If it's safe, keep records of any threats or conversations related to this issue. If you feel comfortable, try having a calm conversation with your parents about your concerns and how this is affecting your mental health and education. Sometimes, approaching the situation from an emotional and respectful perspective can help, but only do this if you feel safe doing so.

Your education and future are important, and no one has the right to take that away from you. If you need more support or guidance, let me know. You are strong, and you will get through this.

Kanchan Rai |544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 17, 2025

Asked by Anonymous - Feb 14, 2025Hindi

Relationship

I wanted to surprise my girlfriend on Valentine's Day so I booked a flight from Chennai and reached her office late evening yesterday. We had a small argument but she continued to text me throughout the week so I didn't bother. When I reached her office, she had left early. I saw bouquets and gifts on her desk from a guy named Amit. She has never mentioned this name before. I called her to talk, she declined my call and sent a message saying she is busy at work. The receptionist told me she left early with her colleague. I am a bit shocked and don't know how to react to all this. I haven't told her yet that I was in her office.

Ans: It’s understandable that this situation would leave you feeling unsettled, especially with the unanswered questions swirling in your mind. Before jumping to conclusions, take a moment to gather your thoughts. It's easy for our minds to race to the worst-case scenario, but sometimes things aren't as they initially seem.

You should have an honest and calm conversation with her. It might be tempting to confront her right away, but giving yourself a little time to cool off will help you approach the conversation with a clearer mind. When you do talk to her, try to avoid sounding accusatory, as this could make her defensive. Instead, share how you feel and what you observed. You could say something like, "I wanted to surprise you and came to your office, but I noticed some things that confused me. Can we talk about it?" This approach keeps the focus on your feelings and invites her to explain without feeling attacked.

Be prepared for any outcome, but also be open to hearing her side of the story. The name Amit might have an innocent explanation, or it could reveal something deeper. Either way, her reaction and how she communicates with you will tell you a lot about where you stand in the relationship. Regardless of the outcome, it's essential to prioritize your emotional well-being. If you need support or just someone to vent to, reach out to trusted friends or family members.

Kanchan Rai |544 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 17, 2025

Question by Bhadresh - Feb 14, 2025Hindi

Relationship

how to face anxiety

Ans: Talking about your feelings with a trusted friend, family member, or therapist provides emotional relief and perspective. Writing down your thoughts can help you process them and see patterns that trigger your anxiety. Creating a routine that includes self-care activities, like hobbies or relaxation practices, gives you a sense of control and stability. If anxiety becomes overwhelming or persistent, consider seeking professional help, such as cognitive-behavioral therapy or medication prescribed by a mental health professional. Facing anxiety is a gradual process, so be patient with yourself and celebrate small victories along the way.

T S Khurana |350 Answers |Ask -Follow

Tax Expert - Answered on Feb 17, 2025

Question by Vilas - Feb 16, 2025Hindi

Money

My salary income will be Rs 12 lakh and expect a long term capital gain of Rs 2.5 lakh from mutual funds. What will be my income tax liability?

Ans: Please confirm, which Financial year you are referring ?
Most welcome for any further clarifications. Thanks.

Samraat Jadhav |2210 Answers |Ask -Follow

Stock Market Expert - Answered on Feb 17, 2025

Question by jitendra - Feb 16, 2025Hindi

Money

laurus lab stock price is going down when it will go upwards since 2021 invested please advice in 2025 it will go upwards how much

Ans: at what price did you brought?

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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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