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Ulhas

Ulhas Joshi  |255 Answers  |Ask -

Mutual Fund Expert - Answered on Jun 12, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
narendra Question by narendra on Jun 06, 2023Hindi
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I am investing in the following funds please guide whether i can continue these funds ICICI Prudential Equity & Debt Fund Growth 4250 Quant Small Cap Fund Growth 5000 Axis Midcap Fund Growth 2000) Small Cap Fund Growth 7000) ICICI Prudential Bluechip Fund Growth 5000 PGIM India Midcap opportunties direct Growt| 5000 Quant Midcap Fund Growth 5000 Quant Large & Midcap Fund Direct Growth. 5000

Ans: Hello Narendra and thanks for writing to me. The funds you invest in are good funds and you can continue to invest 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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Ramalingam

Ramalingam Kalirajan  |2273 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ₹2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ₹2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ₹2,00,000 SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ₹5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ₹5,000, (6) Aditya Birla SL Focused Equity Fund(G) - ₹5,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ₹5,000, (8) ICICI Pru Bluechip Fund(G) - ₹5,000, (9) Axis Small Cap Fund - Regular Plan - ₹5,000, (10) ICICI Prudential Technology Fund - Growth - ₹5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ₹5,000, (12) ICIPRU Multi-Asset Fund - Growth - ₹5,000, (13) ICIPRU Value Discovery Fund - Growth - ₹5,000
Ans: making decisions about investments can be overwhelming, especially when considering the future. It's commendable that you're taking an active interest in managing your portfolio. Remember, investing is a journey, and it's okay to seek guidance along the way. As a Certified Financial Planner, my goal is to help you navigate this journey with confidence and peace of mind.

Reflecting on your current investments and considering adjustments is a wise move. It's essential to evaluate each fund's performance, alignment with your goals, and overall portfolio diversification. While past performance is not a guarantee of future results, it can provide valuable insights into fund management and strategy.

As you explore potential adjustments, keep in mind the importance of staying diversified and monitoring your investments regularly. Don't hesitate to reach out for support or advice as needed. Remember, the journey to financial security is about making informed choices that align with your aspirations and values.

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Ramalingam

Ramalingam Kalirajan  |2273 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hello Madam, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - Rs.2,50,000, (2) ICICI/ Value Discovery Fund - Growth - Rs.2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - Rs.2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - Rs.5,000, (5) Canara Robeco Emerging Equities - Regular Plan - Rs.5,000, (6) Aditya Birla SL Focused Equity Fund(G) - Rs.15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - Rs.5,000, (8) ICICI Pru Bluechip Fund(G) - Rs.5,000, (9) Axis Small Cap Fund - Regular Plan - Rs.5,000, (10) ICICI Prudential Technology Fund - Growth - Rs.5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - Rs.5,000, (12) ICIPRU Multi-Asset Fund - Growth - Rs.5,000, (13) ICIPRU Value Discovery Fund - Growth - Rs.5,000. Thank You.
Ans: It's great to see your diversified portfolio. While your current investments seem well-distributed across various sectors and fund types, it's always a good idea to periodically review and reassess your holdings.

For one-time investments, consider evaluating the performance and future prospects of each fund. Are they aligned with your investment goals and risk tolerance? You might want to assess if any fund's objectives no longer match your investment strategy.

Regarding SIPs, you have a mix of large-cap, mid-cap, small-cap, and sectoral funds, which is commendable for diversification. However, keep an eye on the performance of each SIP and consider rebalancing if necessary.

As for new investments, consider funds that complement your existing portfolio while providing exposure to sectors with growth potential. Research and consult with a financial advisor to identify funds with strong track records and promising outlooks.

Remember, regular review and adjustment are key to maintaining a healthy and optimized investment portfolio.

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Anu

Anu Krishna  |868 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Asked by Anonymous - May 13, 2024Hindi
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Relationship
Dear Anu, Me and my brother always wanted to buy a 2bhk. I got married a couple of years back & my younger brother is unmarried. We both have been looking for properties for years now but nothing would fit our budget. This is something my wife knew before marriage as well. Now she wants me to abandon the plans of buying a house with my brother and to plan with her. I am of the view we all can come together to buy the house but she is not ok with my brother contributing. As she believes it will create issues later on and during inheritance. I am in a dilemma about how to navigate this. As we all live in rented flat along with my parents?
Ans: Dear Anonymous,
You are taking an emotional stance on this and your wife is on a fear-ridden path...both of you are not wrong BUT is it possible to agree to what your wife is saying and yet not lose your brother's favor. Then you will have nothing to lose and everything to gain.
Separate finances keeps relationships healthy and we have enough evidence where mixing financial matters and personal stuff can get messy...
There is nothing emotional about it, so think of the future...it's better to be safe and he's your brother...I am sure that he will understand...I have a question for you though: Why is it so important for you to have your brother's presence in buying the house? What will happen if you go ahead by yourself just like he can go ahead himself?
There are other things that you can share like going on holidays together, family gatherings, doing some charitable work together...
Prioritize relationships over finding what ties them...and your brother is not married...his future bride may not like the arrangement as well and then it will be one big mess to separate things...
Better keep things separate now than later...mending scars is more difficult than making a sane decision now...

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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Anu

Anu Krishna  |868 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Anu

Anu Krishna  |868 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Asked by Anonymous - May 13, 2024Hindi
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I am 38yr old working women .I have 3year old daughter. 2.5 years back my father in law expired . After which my MIL started staying with us as my husband is a single child. She started creating lot of trouble in our family because of which my husband left me and my child.since then my husband is not staying with us neither helping me or my child emotionally and financially even after speaking to him.We took couple therapy also. Nothing changed. Now as I to put my child for school, I am feeling burdened emotionally, physically and financially which I don't want to show at my kid. kindly guide me to come out of the situation and give the best safe environment for my daughter.
Ans: Dear Anonymous,
Why should you bear the responsibilities all by yourself?
Legal separation has not happened and he is still responsible towards your daughter who is his daughter as well. If nothing has come out of therapy, then the responsibility to change and work on the marriage has not been a strong need.
Have an honest conversation with your husband on this; leaving home with no clarity for anyone is not a very nice thing to do...
Let him state his side of the story as to what he intends to do in the future with the marriage and maintenance of the child. If he refuses to offer support, legal recourse might be your only option.
But before doing anything, a frank chat with him is necessary. Know what's on his mind and do understand that your daughter is eligible to support financially from her father. So, don't go through with all this alone.
Do make an attempt to put things back together and then opt for other choices...

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

...Read more

Patrick

Patrick Dsouza  |242 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on May 15, 2024

Asked by Anonymous - May 14, 2024Hindi
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Which is beneficial out of 1.Certficate programes by MBA colleges . 2 Distance MBA 3. Executive MBA 4. Regular MBA in India? Context: I have 12 year of experience in total in the IT sector. I am a solution architect earning around 50LPA CTC. I am exploring the options of doing an MBA and not sure which one is more suitable. I am in middle management and want to get into the senior leadership role. Objective: This MBA/certificate for me is a ladder to scale up. So I am looking only for top 5 management schools in India. Mostly from IIM's or ISB only. Expectation: Looking for alumni status Looking for network connections for better outreach for a job switch. Impression on Resume/profile to get a job in a higher designation. I am more concerned with designation although in the IT sector only. (Is impression is enough to scale up the ladder , with comm and tech skills. Not sure ) Constraints: I need remote education, and can't relocate to different cities. cant go beyond 6-8lakh fees. Options: Certificate Program (IIM, ISB, XLRI) Executive MBA(1 year)(Too expensive though) General MBA(2 year remote) From these options, which is the best alternative? and what is the difference between these? Does it hold any value on paper?
Ans: It is always preferable to do an Executive MBA considering what you require from an MBA course. But you have other constraints in which case look at distance MBA Certificate course. There are foreign universities like Wharton, Kellogg, etc offering Distance Certificate course, but if you plan to continue working in India, course from top IIMs or ISB or XLRI could be better.

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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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