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Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Mar 21, 2023

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more

Question by Girish on Mar 19, 2023Hindi

Money

Hi, I am investing 25,500 as a SIP in following MF schemes since 2017. 1. Franklin India Focused Fund - 5000 2. HDFC Hybrid Eqt Dir-G - 4000 3. ICICI Pru Eqt & Debt Dir-G - 4000 4. Kotak Flexicap Dir-G - 2500 5. Mirae Asset Emrgng Bluechip Dir - 7500 6. Mirae Asset Large Cap Dir-G - 2500 Please advise if I need to make any adjustments. I want to increase investments by around 50,000, should I increase SIP on these schemes?

Ans: Hi too many funds will not serve purpose of diversification. My suggestion is remove Franklin hdfc hybrid kotak flexi cap and add parag parikh flexi cap and and uti nifty 59 index fund

Disclaimer - its suggested portfolio and I and my clients can have holdings in them

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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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Apr 11, 2022

Question by Venkata - Apr 11, 2022Hindi

Money

I am 49 years old. I have started investing in MF for a couple of years. Below is my portfolio. I can invest some more in SIPs. Please check and advise. Fund Plan SIP Status UTI FLEXICAP GROWTH Active MOTILAL OSWAL FOCUSED 25 FUND GROWTH Active ICICI PRUDENTIAL BLUECHIP FUND GROWTH Active AXIS ESG EQUITY FUND REGULAR GROWTH Active LNT INDIA VALUE FUND REGULAR PLAN-GROWTH OPTION Paused KOTAK FLEXICAP FUND GROWTH OPTION Stopped ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND GROWTH Stopped

Ans: Please continue with the active ones

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 04, 2020

Question by Ramesh - Aug 04, 2020Hindi

Money

SIP Details ongoing since last 4 years, should I continue with the same schemes or request your kind suggestion / advice. SIP amount of Rs.3000 per month in each of the MF. 1) Birla Sun Life Pure Value Fund - Growth 2) Canara Robeco Emerging Equities - Growth 3) DSP Black Rock Income Opportunities Fund - Growth 4) DSP Black Rock Small And Mid Cap Fund - Growth 5) Franklin India Prima Fund - Growth 6) Kotak Emerging Equity Scheme - Regular Plan - Growth 7) L&T Emerging Businesses Fund - Regular Plan - Growth 8) L&T India Value Fund - Regular Plan - Growth 9) SBI Magnum Midcap Fund - Growth 10) Sundaram Select Midcap – Growth

Name of the Fund	Category	RankMF Star Rating	Recommendations
Ramesh Koti
1) Birla Sun Life Pure Value Fund – Growth	Equity - Value Fund	1	switch to Axis ESG Fund - Growth
2) Canara Robeco Emerging Equities – Growth	Equity - Large & Mid Cap Fund	4	continue
3) DSP Black Rock Income Opportunities Fund - Growth (Dsp Credit Risk Fund - Regular Plan)	Debt - Credit Risk Fund	2	Credit Risk funds to be avoided , instead Corporate Bond or Banking and PSU funds to be considered
4) DSP Black Rock Small And Mid Cap Fund - Growth
Dsp Small Cap Fund - Regular Plan – Growth	Equity - Small cap Fund	2	switch to Axis ESG Fund - Growth
Dsp Midcap Fund - Growth	Equity - Mid cap Fund	4	continue
5) Franklin India Prima Fund - Growth	Equity - Mid Cap Fund	2	Switch to - Dsp Midcap Fund - Growth
6) Kotak Emerging Equity Scheme - Regular Plan - Growth	Equity - Mid Cap Fund	3	Switch to - Dsp Midcap Fund - Growth
7) L&T Emerging Businesses Fund - Regular Plan - Growth	Equity - Small cap Fund	2	switch to Axis ESG Fund - Growth
8) L&T India Value Fund - Regular Plan – Growth	Equity - Value Fund	2	switch to Axis ESG Fund - Growth
9) SBI Magnum Midcap Fund - Growth	Equity - Mid Cap Fund	2	Switch to - Dsp Midcap Fund - Growth
10) Sundaram Select Midcap – Growth	Equity - Focused Fund	2	switch to Axis Focused 25 Fund - Growth

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Sep 26, 2022

Question by Ashwani - Sep 26, 2022Hindi

Money

Good morning sir, I am investing since 4 years in MFs. Sir, I am investing 12000 /month and have a plan to invest next 5 years. May I continue these SIPs? Or is there any requirement to change? 1. Franklin india smaller cap fund-1000 2. HDFC hybrid equity fund -1000 3. HDFC mid cap opportunity fund -1000 4. ICICI prudential long term -1000 5. Invasco india Contra fund-1000 6. Kotak flexi cap regular growthfund -1000 7. Nippon india small cap fund growth -1500 8. SBI blue chip fund-2500 9. SBI megnum children benifit fund -2100

Ans: Hello Ashwani, I can see over diversification with your current investments with 12k sip amount. I would suggest you to consolidate your mf investments and reshuffle the portfolio.

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Tax, Mutual Fund Expert - Answered on Apr 19, 2023

Question by Surya - Mar 21, 2023Hindi

Money

Hi, I am investing 24,000 as a SIP in following MF schemes since 2020. 1. HDFC Taxsaver - 5000 2. HDFC retirement saving - 2000 3. Mirae asset large cap fund - 3000 4. Axis small cap fund - 2000 5. Axis mid cap fund - 2000 6. Axis bluechip fund - 2000 7. Franklin india feeder - US Opp fund - 2000 8. Quant active fund - 3000 9. Parag Parikh flexi cap fund - 3000 Please advise if I need to make any adjustments. I want to make corpus of 1 CR by 2030.

Ans: Dear Surya,

It's great to see that you've been disciplined with your investments since 2020. Your portfolio comprises a mix of tax-saving, retirement, large-cap, mid-cap, small-cap, and international funds, which is a good sign of diversification.

Considering your goal of accumulating a corpus of â‚¹1 crore by 2030, let's look at your current investment approach and see if any adjustments are needed.

First, let's assume an average annual return of 12% on your investments, which is reasonable for equity-oriented mutual funds in the long term. With your current monthly SIP of â‚¹24,000, you will have invested â‚¹2,88,000 annually. By 2030, which is 7 years away, you would have invested â‚¹20,16,000 in total.

Using the assumed 12% annual return, the future value of your investment by 2030 would be approximately â‚¹33,38,000. This is significantly short of your â‚¹1 crore goal.

To achieve your target, you would need to increase your monthly SIP amount. Here's what you can do:

Review your financial situation and identify any areas where you can increase your monthly investments. You may need to invest around â‚¹50,000 per month to achieve â‚¹1 crore by 2030, assuming the same 12% annual return.
Reassess your portfolio and its asset allocation. While your current allocation seems well-diversified, it's important to ensure that it's aligned with your risk tolerance and investment horizon. You may need to make some changes to improve the potential for higher returns. Consider discussing this with a financial advisor to ensure your portfolio is optimized for your goals.
Regularly review your investments and their performance. It's essential to keep track of how your mutual funds are performing compared to their benchmark indices and peers. If you find any underperformers, consider replacing them with better-performing alternatives.
Remember that investing is a long-term journey and requires patience, discipline, and regular reviews. It's important to stay committed to your investment plan and make adjustments as needed to reach your financial goals.

Wishing you the best on your journey to â‚¹1 crore by 2030!

Warm regards,

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Image Coach, Soft Skills Trainer - Answered on Mar 05, 2025

Asked by Anonymous - Dec 17, 2024Hindi

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I am Priya from Varanasi, and I work from home as a project manager. I want some help to improve my digital body language, especially during video calls. I always try to stay focused and look engaged during meetings, but sometimes I feel like I might be missing out on some important non-verbal cues. How can I improve my online presence during video meetings and discussions with clients?

Ans: Hi Priya!

Wonderful to know that you are project manager and you want to improve your digital presence.

Body language is like learning any other language. It requires proper teaching, learning and then practicing the same to master it.

After the start of the work from home culture, taking care to present yourself well digitally has become very important.

It is important that you take care of your clothes, hair, make up, how much of you is visible, your backdrop, the angle of your camera, the use of your hands, the facial expressions, the voice modulation( so that ppl listen when you speak), you developing listening skills..... there is so much to learn.

I really cannot write here and teach you... this is all about showing you how to create your aura digitally.

This is my website..https://transformme.co.in/
Do get in touch to learn to create you amazing presence digitally.

Best wishes!!

Archana Deshpande |103 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 04, 2025

Question by Sunil - Sep 10, 2024Hindi

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Hi Mam, Hope you are doing well. I am very worried about my son who is now 12.5 years old and studying in 7th standard in a very reputed school. Since childhood, he has no interest in studies, unless we doesn't seat in front of him, he doesn't study. Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class and the result is he doesn't get good marks in the exam. When we scold him for studies, he does it for that particular time only and then get back to his non-interest mode again and start to run from studies. He will play video games, goes to play around with his friends, he will find some or the other reason for not doing studies or homework. The irony is that he is not interested in any sports or any other kind of activities. In every summer holidays, we make him to join some sports or music classes, but there also he doesn't show interest and do things just for the sake of showing. From last year, we have started sending him to tuitions also, but no change in attitude. This year we have found a teacher of his reputed school who is retired and taking tuitions, we are sending him to her and she is charging a big amount for tuitions. please guide how can we change his attitude and make him more serious in any activity he does as he doesn't have interest in anything (we have observed doing everything we can).

Ans: Hello Sunil!!

I am doing great, thank you for asking, God bless you!

I can totally understand when you say you are worried.

Your son is 12.5, he will soon be a teenager. There will be different challenges, I want you to read up on parenting a teenager and be ready to handle him well.

The problem as I see it is that everyone of you, his teachers included have made studies like a burden for him.... and subjected the young child to a lot of anxiety, he just wants to run away form it....
"Every teacher from his kindergarten days upto now has the same complaint that he is doesn't pay attention in class".... this statement of yours... it is the teacher's duty to ensure the child listens to him/her, how can she start labeling a child like this. From a young age your son has been conditioned to believe that he is not not good in studies, he doesn't focus and he doesn't sit in one place. All my sympathies are with your son...every child comes with immense potential and it's our duty as parents and teachers to nurture the child.

The following is what I propose so that we bring him back to loving to learn ( not score marks, that should never be the barometer)-
1. Love your child the way he is now
2. Give him lot of positive strokes
3. Have one on one sessions for any activity you plan for him... let him choose the activity, empower him
4. choose a teacher, who can get along with him and help him develop a positive attitude towards studies and life in general
5. look for a school where they nurture him... not just a reputed one...less number of students and a teacher who is invested in her/ his students,

If you can connect with me, I can help him. Have had many a students in this kind situation.
This is my website..
https://transformme.co.in/

Loads of best wishes to the whole family..

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Image Coach, Soft Skills Trainer - Answered on Mar 04, 2025

Asked by Anonymous - Feb 12, 2025Hindi

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Hello mam, I am a BSc IT graduate. I have applied for a job at Credit Suisse that I aspire to crack and learn from. I have cleared the test and technical rounds and will soon be appearing for a personal interview at the Mumbai office. What kind of questions should I be prepared for? I only have 3 months of internship experience.

Ans: Hey, first of all congratulations on clearing so many rounds and reaching the personal interview round!!

Now regarding the preparations...

1. Be impeccably dressed for the interview, this shows you care. Also you need to appear professional and confident
2. Enter the interview room with confidence
3. Enjoy the whole process of being interviewed, it's about you, that's why it is called the personal interview
4. Prepare the questions that are relevant to your role and the company you will be working for. Know a little about the company's competitors
5. Prepare for the usual questions, tell us a little about yourself or introduce yourself, what are your strengths and weaknesses, why should we select you, etc .... these questions are for you to showcase the real you...in a positive light. This is where you show your authenticity
6. Prepare for the Q and A with someone asking you the questions and you replying

Have the confidence, you have come so far, I am sure you'll clear this round too!!

All the very best!

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Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 22, 2025Hindi

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Dear sir, my son has scored 99.614 in JEE Mains 1st session 2025. If he attempts 2nd attempt of 2025 & score below first session,which score does NTA consider. Is it averaging both scores? Please help.

Ans: No, NTA considers the best score out of both attempts, not the average.

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Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

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As my daughter scored jee mains 98.75 obc (ncl) can we csc in niit

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Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Question by Bagmita - Feb 26, 2025Hindi

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My daughter got 94.9 percentile in jee mains session 1 2025. Her domicile state is Assam and her category is general. Will she get nit silchar any branch

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Which is the best engineering college from cuet with strong alumni network and good placement?

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Asked by Anonymous - Feb 28, 2025Hindi

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Sir I scored 88 percentile in mains 1 session and belong to obc catagory . Which college I get to btech CSE or NIT with lower branch

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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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