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Jinal

Jinal Mehta  | Answer  |Ask -

Financial Planner - Answered on May 20, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
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ASHWANI Question by ASHWANI on May 18, 2024Hindi
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HOW GOOD IS INVESTING IN MIRAE ASSET AGGRESSIVE HYBRID FUND?

Ans: If it matches your investment style and your investment objectives then you can invest.
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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Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Feb 01, 2024Hindi
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Please advise about SBI EQUITY HYBRID FUND REGULAR GROWTH
Ans: SBI Equity Hybrid Fund - Regular Growth is a hybrid mutual fund offered by SBI Mutual Fund. As a hybrid fund, it invests in a mix of equity and debt instruments to provide investors with a balanced exposure to both asset classes. Here are some key points to consider:

Investment Objective: The fund aims to provide long-term capital appreciation by investing predominantly in a diversified portfolio of equity and equity-related securities. It also aims to generate reasonable income through investments in debt and money market instruments.

Asset Allocation: The fund typically maintains a mix of equity (at least 65%) and debt instruments to achieve its investment objectives. The allocation between equity and debt may vary based on market conditions and the fund manager's outlook.

Risk Profile: As a hybrid fund, SBI Equity Hybrid Fund carries moderate to moderately high risk due to its exposure to equity markets. Investors should be prepared for fluctuations in NAV (Net Asset Value) based on market movements.

Performance: Evaluate the fund's historical performance relative to its benchmark and peer group to assess its consistency and ability to generate returns over the long term.

Expense Ratio: Consider the expense ratio of the fund, which represents the annual operating expenses deducted from the fund's assets. A lower expense ratio can contribute to higher returns for investors.

Fund Manager: Understand the expertise and track record of the fund manager managing SBI Equity Hybrid Fund. The fund manager's investment decisions play a crucial role in achieving the fund's objectives.

Before investing in SBI Equity Hybrid Fund, assess whether it aligns with your investment goals, risk tolerance, and investment horizon. It's advisable to consult with a financial advisor who can provide personalized advice based on your financial situation and objectives. Additionally, review the fund's scheme information document (SID) and other relevant disclosures for detailed information about its investment strategy, risk factors, and past performance.

Best regards,
Ramalingam, MBA, CFP
Chief Financial Planner

..Read more

Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 26, 2024Hindi
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Should I continue to invest in Mirae asset large and mid cap fund?it's 40% of my corpus .
Ans: Portfolio Review
Current Allocation: Mirae Asset Large and Mid Cap Fund is 40% of your corpus.

Performance: Review the fund's historical performance. Check its returns, consistency, and risk profile.

Diversification: A single fund making up 40% of your portfolio is a concentration risk. Diversification can help manage this risk.

Diversification and Risk Management
Reduce Concentration Risk: Invest in other funds or asset classes. This can help spread the risk and potentially increase returns.

Active Management: Actively managed funds can provide better returns. Ensure your investments align with your risk tolerance and financial goals.

Alternatives to Index Funds
Actively Managed Funds: These funds often outperform index funds. They offer better growth potential and professional management.

Disadvantages of Index Funds: Index funds track the market and lack flexibility. Actively managed funds can adjust to market changes.

Regular Fund Investments
Benefits of Regular Funds: Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) provides expert guidance. They offer better fund selection and management.

Disadvantages of Direct Funds: Direct funds require more time and knowledge. Regular funds provide professional advice and management.

Investment Strategy
Review and Adjust: Periodically review your investments. Rebalance to maintain your desired asset allocation.

Investment Goals: Align your investments with your long-term goals. Ensure your portfolio is diversified and well-managed.

Final Insights
Reducing the concentration in a single fund can help manage risk and potentially increase returns. Consider diversifying into other actively managed funds. This will align with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |224 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Feb 01, 2025

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I have completed my msc in biochemistry n now doing internship but I am confusing about my future because I see this field don't pay me inuff for life even for future... N don't have more jobs in Maharashtra. I don't like production jobs but in Pharma only production pay much so what can I do .. Can u suggest me which job is high payable after Msc biochemistry
Ans: Hi Nandu,

Greetings!

Could you please let me know which year you completed your course and whether you are currently doing an internship or apprenticeship? An internship is part of the curriculum, where students gain practical training, sometimes with a stipend and sometimes without. After completing your course, you can opt for an apprenticeship, which typically lasts one to one and a half years and includes a stipend, usually split 50%-50% between the industry and government.

If you are in the internship phase, please inform me about the specific field you are working in. Initially, you may not expect a high salary, but after gaining expertise in your field, your compensation will improve. Typically, this takes about three years, so it’s important to focus on skill acquisition for a better future.

If your internship aligns with your field of study, I encourage you to continue and consider starting a medical lab or exploring opportunities in medical devices related to biochemistry. However, pursuing a career in pharmaceutical production may not be suitable for you, as it is a different field, and you may find it challenging to grasp the processes involved since you are currently inexperienced in that area.

Please share the specific field of your internship, and I would be happy to provide more tailored advice.
with regards

Poocho. Life Change Karo!

...Read more

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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