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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Sep 20, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
ASHWANI Question by ASHWANI on Aug 30, 2023Hindi
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IS IT GOOD TIME TO INVEST IN MF WHICH INVEST IN ARTIFICIAL INTELLIGENCE

Ans: We know that the artificial intelligence is amongst futuristic new age investment themes. These large transformative tech ideas are very exciting and these sectors will shape the future of the world in the coming years. However, we should keep in mind the risks associated with it since they are sectoral, concentrated in nature and they are still at very initial stage.

One of the main risks is that AI technology is constantly evolving, and it is possible that new technologies will emerge that make existing AI technologies obsolete. Additionally, there are regulatory risks associated with AI, as governments are still developing policies and regulations to govern its use.

If you are considering investing in a mutual fund that invests in AI, it is important to do your research and understand the risks involved. You should also make sure that the fund's investment strategy aligns with your own investment goals and risk tolerance.
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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Vivek

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Financial Planner - Answered on Feb 13, 2023

Asked by Anonymous - Feb 13, 2023Hindi
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Sir Is it right time to invest in Mutual funds as the stock prices are falling due to Adani Problem
Ans: First of all as an investor and also managing your family finances, you need to answer following questions before deciding on which instrument you want to invest

1) Goal or financial goal or purpose of doing investment.
This will matter a lot as a goal of child education and retirement needs to see with different perspective and also should have asset allocation and market cap exposure accordingly.

2) Time Horizon of your goals- this is very important as it will help you to select the asset class and it's allocation based on your time period of financial goals. This is where investor makes biggest mistake of misalignment of asset time cycle and goals time period. If you allign this properly, your journey will be quite smooth.

3) Optimum Return expectations on your capital invested-
If you are saving and investing for some better future to fulfill your goals offcourse you will ask something in return which should be respectable higher returns than inflation for long term period( more than 7 years). If you are investing in India than equity return assumptions and calculations should be based on 12% return expectations and debt it should be 6.5%. Remember that you should assume practical return assumptions ( not the highest or what your friend says) as you can put any number in the excel sheet for your mental satisfaction😃

4) Risk taken on your capital-
Risk is a very negative word being taken in india but actually it's the risk appetite and risk acceptance of an investor which makes his outcome/ returns favourable. Understand one thing that if you want high returns you have to assume high risk and there is no option for it or an investor has to be happy with sub optimal returns if he is not ready to take risk.

Risk according to me is the capacity of a person until where and when he will not have any palpation in his stomach and he can absorb the downside easily( both realised and majority of time unrealised).

You should remember one thing that after deciding on above parameters, TIME IN THE MARKET IS MORE IMPORTANT RATHER THAN TIMING THE MARKET. As an investor, wealth is created over a period of decade and have your allocation to equity accordingly and enjoy the journey of markets which is going to be up and down.

After looking at all these parameters you can think of taking allocations to equity mutual funds and decide how much allocation to equity mutual funds is comfortable to you. If you dont have any prior expertise in investing in mutual funds or equity markets, its better to hire an advisor to help you do that or start with allocation in Equity Diversified mutual funds which will help you to take exposure in stocks.

And after all that, i would say it's your behaviour and emotions management which will help you create wealth in the equity market.

I hope this helps. Happy investing

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Asked by Anonymous - Jun 15, 2025
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Hello sir. I am getting eee in amrita coimbatore campus, eee in manipal main campus, eee in BIT mesra-jaipur campus and ece in srm kattankaluthur campus. Please suggest which college i should pick
Ans: Amrita Coimbatore's EEE department achieves 86.67% placement rates with 30 enrolled students and strong industry collaborations, while maintaining NIRF 7th university ranking nationally and 23rd in engineering. Manipal Institute of Technology's EEE program records 77% placement consistency with over 230 recruiters participating annually, supported by MAHE's 4th NIRF university ranking and 14th overall position. BIT Mesra Jaipur campus EEE shows 69% placement rates with the main campus achieving NIRF 48th engineering ranking and 82nd university position, though specific Jaipur campus data remains limited. SRM Kattankulathur's ECE department maintains 80-95% placement rates across 2021-23 with 447 out of 557 students placed in 2022-23, backed by NIRF 13th engineering ranking and 21st overall position. All institutions engage top recruiters including Microsoft, Amazon, TCS, and Wipro, with Manipal and SRM offering broader recruiter diversity exceeding 230-980 companies annually. Recommendation: Choose Manipal MIT EEE for its consistently strong 77% placement rate, superior NIRF 4th university ranking, extensive recruiter network, and Institution of Eminence status, offering optimal career prospects and academic excellence. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jun 15, 2025
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Hello Sir, Good Afternoon, My son scored KCET 100520 ranks SC category, and scored AIR 344195 for JEE Main having 76.80 percentile and he want to take admission in CSE, ECE, EE or Mechanical, but he want to take admission in good TIER1 or TIER2 colleges in Karnataka under top 100-150 NFIR, which college is best for him for placement and packages in future...please suggest, as per his rankings MSRIT Industrial Engineering & Management available & in some of TIER3 college CSE, Electronics also there, which is best one for his future, please suggest. considering NIT, IIIT's & Top GFTI and state good colleges
Ans: With SC?category KCET rank beyond typical CSE/ECE/EE/ME cutoffs at top state institutes and a JEE Main AIR of 344,195, NIT and IIIT seats are out of reach under general or reserved quotas. Among Tier-2 Karnataka colleges ranked 100–150 by NIRF, MS Ramaiah Institute of Technology (NIRF 75) offers Industrial Engineering & Management with a 95% placement rate and 239 recruiters visiting annually. RV College of Engineering (NIRF 99) admits SC candidates in ECE/Mechanical up to ~9,135 and ~15,919 KCET ranks, posting 88%–92% placements over three years. PES University (NIRF 100) closes CSE around KCET 1,247 and ECE near 6,000 with 93% average placements and strong industry collaborations. Dayananda Sagar College of Engineering accepts SC KCET ranks up to ~12,000 for ECE/ME, sustaining 90%–95% placement consistency. For broader core-engineering roles, RVCE ECE/Mechanical and MSRIT IEM ensure robust placements, while PES CSE offers better software recruitment.

Recommendation: Opt for RVCE ECE or Mechanical for balanced core and IT placements, with MSRIT IEM as a strong alternative for multidisciplinary industry ties and top?tier recruiter access. All the BEST for the Admission & a Prosperous Future!

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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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