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Samraat

Samraat Jadhav  |2098 Answers  |Ask -

Stock Market Expert - Answered on Jun 11, 2024

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
Asked by Anonymous - Jun 05, 2024Hindi
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Money

Hi is this good time to invest in stock market for long term, I am 23 and planning to invest in stocks for long term. Kindly share me some recommendations thanks. I can invest 1.3 lakh now

Ans: if you have a vision of long term then every time is a good time, you can buy any bluechip companies
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 Apr 19, 2024

Asked by Anonymous - Apr 18, 2024Hindi
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I am 25 years old and investing 2k in quant small cap, 2k in Nippon small cap, 1k in parag Parikh flexi, 1k in Motilal Oswal midcap, 1k in HDFC mid cap. Is it good for long term like 30 years. Plz advice me
Ans: Hello,

Your portfolio seems to be well-diversified across different sectors and market caps, which is generally a good approach for long-term investing. Here are a few things to consider:

Performance History: Look at the historical performance of each mutual fund scheme over various time frames (1 year, 3 years, 5 years, and since inception). Compare it with relevant benchmarks and peer group averages to assess how well the fund has performed.

Fund Manager Experience: Evaluate the experience and track record of the fund manager. A skilled and experienced fund manager can significantly impact the performance of the fund.

Expense Ratio: Consider the expense ratio of each mutual fund scheme. Lower expense ratios mean more of your investment returns stay with you rather than being eaten up by fees.

Investment Strategy: Understand the investment strategy of each mutual fund scheme. Make sure it aligns with your risk tolerance, investment goals, and time horizon. For example, small-cap funds tend to be riskier but offer higher growth potential, while flexi-cap funds offer more flexibility in asset allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, sectors, and market caps. Avoid overconcentration in any single fund or sector.

Risk Management: Assess the risk management practices of each mutual fund scheme. Look for funds with a disciplined approach to risk management and a focus on preserving capital during market downturns.
Fund House Reputation: Consider the reputation and credibility of the mutual fund house managing the scheme. A well-established and reputable fund house is more likely to have robust investment processes and governance standards.

Regular Review: Regularly review the performance and portfolio composition of each mutual fund scheme. Make adjustments to your portfolio as needed based on changes in your investment objectives, market conditions, and fund performance.
It's also a good idea to consult with a SEBI registered investment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

It's also a good idea to consult with a SEBI registeredinvestment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

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Nayagam P

Nayagam P P  |3924 Answers  |Ask -

Career Counsellor - Answered on Nov 26, 2024

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My Daughter is in 10th standard and is studious. We arranged her counselling through a professional team and came to know that she can do good in Science, Computer, Maths and Journalism. They advised her to choose PCM, Computer alongwith Economic as subjects for 11th. Kindly guide us further and what are the carrier prospects with this combination. Regards
Ans: Neeraj Sir, I trust that your daughter has had the opportunity to participate in the 'Psychometric Test' administered by the Counselling Team you mentioned. The results of the test have led to recommendations for the fields of Science, Computer, Maths, and Journalism. You have not specified from which Board she will continue her 11th-grade studies. Kindly be informed that, in addition to PCM, your daughter has the option to select either Computer Science or Economics, provided she is a CBSE student. The combination of Physics, Chemistry, Mathematics (PCM), Computer Science, and Economics (CSE) offers a versatile career path. It can lead to careers in Engineering, Research and Science, Architecture, Computer Science, and Economics. Emerging fields include CSE, Artificial Intelligence and Data Science, Financial Technology, Journalism with Data, and Environmental Technology. Higher education options in India include IITs, NITs, state universities, private colleges, and liberal arts. Your daughter should select a preferred career path from those suggested by the Counselling Team before completing her 10th Grade. This will enable her to begin preparation for relevant Entrance Exams, including JEE, IAT, CUET, and/or those conducted by Private Colleges for admission into UG Programs. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

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Anu

Anu Krishna  |1329 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 26, 2024

Asked by Anonymous - Nov 15, 2024Hindi
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Relationship
Hi. How to be more respectful towards to MIL and FIL. ??? They dont like me as a DIL bcz they feel that I am trying to steal their son which is absolutely wrong. I tried to improve my relation with them but with the passage of time , its getting worst. My husband is on their side too. I have a baby girl and they threaten me to send me to my hometown with my child if I speak againt any type of dicrimination happening with me. My MIL believes in keeping Nirjala fast, eating after husband, eating left over food. I dont feel good with them so I spend time alone whenever they are home but they dont like my behaviour of getting my own time. Whenver i talk with them, they just humiliate me and my family.
Ans: Dear Anonymous,
Do you all live together? If YES, maybe it's time to actually live separately where there is a healthy space between both families. This may not go well with a lot of families where joint family system have ruled for a long time BUT what's the point spoiling relationships and living under one roof. Of course, your husband also needs to be in alignment with this thought.
If not and this is not going to be possible, then do approach your side of the family to intervene...now, either things may get set right OR things may get worse. It's sad that your husband is unable to see your side of things.
One things I want to ask: What makes them feel that you are trying to steal their son? Is it some behavior of yours that they are misreading? Then it's possible to set things right if this can be identified...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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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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