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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 23, 2021

Mutual Fund Expert... more

Question by Nitesh on Dec 23, 2021Hindi

Money

I am investing Rs 23,000 per month via SIP in the below funds.

I have invested in the liquid funds to meet some short term uncertain requirements. Could you please review if any changes are required?

Mutual Funds Amount

1. MIRAE ASSET EMERGING BLUECHIP (LARGE AND MID) Rs 5,000

2. MIRAE ASSET LARGE CAP (LARGE) Rs 3,000

3.MIRAE TAX SAVER (ELSS) Rs 3,000

4.PARAG PAREK FLEXI CAP FUND (FLEXI) Rs 5,000

5. AXIS LONG TERM EQUITY (ELSS) Rs 3,000

6.NIPPON INDIA SMALL CAP (SMALL) Rs 3,000

7. NIPPON INDIA LIQUID FUND (LIQUID) Rs 1,000

Ans: Nice portfolio, please continue.

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 Dec 20, 2019

Question by Mahendra - Dec 20, 2019Hindi

Money

My SIP is running in following mutual fund. Please advise if I should continue above investments or need any change. Name of the Fund Category RankMF Star Rating 1. Aditay Birla Sun Life Frontline Equity Growth Direct – Rs5000 Equity - Large Cap Fund 4 2 Aditay Birla sun Life Equity Growth Direct-Rs 5000 Equity - Multi Cap Fund 4 3. Axis Blue Chip Growth Direct - Rs 4000 Equity - Large Cap Fund 4 4. Motilal Oswal Multicap 35 Direct - Rs 4000 Equity - Multi Cap Fund 5 5. Axis Midcap Growth Direct - Rs 3000 Equity - Midcap Fund 4 6. Mirae Asset Emerging Blue Chip Growth Direct Equity - Large & Midcap Fund 4 7. Axis Long Term Equity Growth D - Rs 8000 Equity - ELSS 5 8. ICICI Pru Multi Asset Growth D - Rs 5000 Hybrid - Multi Asset Allocation 4 Lump sum investment ICICI PRU Banking Growth D - Rs 25000 @ NAV 38.49 Equity - Sectoral Fund - Banks & Financial Services 2 Nippon Pharma Fund Growth D- Rs 71000@ NAV 140.34 Equity - Sectoral Fund - Pharma & Health Care 3 UTI Midcap Growth D accumulated by SIP- Rs 110,000 @ NAV 110.24 Equity - Midcap Fund 3 Aditya Birla Liquid Plus Growth D- Rs 455,000 Debt - Liquid Fund 5

Ans: You may continue with 4 & 5-Star rated ones and rest can be relooked. Avoid Equity - Sectoral Funds

Midcaps: Suitable options considering quality and value for money are:

Motilal Oswal Midcap 30
DSP Midcap
Kotak Emerging Equity Fund

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Mutual Fund Expert - Answered on Nov 21, 2023

Asked by Anonymous - Nov 19, 2023Hindi

Money

Hello Sir. I am investing via SIP in Parag Parikh Flexi Cap Fund (15k), PGIM Flexi Cap (5k), UTI Nifty50 (10k), Kotak Emerging Equity (5k), Motilal oswal Midcap (6k), Tata Small Cap (4k) all in Direct growth. Please review my funds.

Ans: Hello and thanks for writing to me. I am assuming that you are investing for the long term for wealth creation and are fine with taking risks.

For that goal, the fund selection is fine, but you can consider reducing the investment in the NIFTY 50 passive to Rs.5,000 and start an SIP of Rs.5,000 in a multi cap fund.

Do note that periodic rebalancing is essential to ensure that you are on the right track. Stepping up your SIP's every year will help you create a larger corpus.

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Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2024

Question by RAHUL - Apr 16, 2024Hindi

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Hello Sir I have Sip's in below funds. I am investing in these funds since 6 years Axis Small cap 2k Axis Multicap 1k Mirae large and mid cap 3k Sbi small cap 3.5k PGIM mid cap 2k Quant Flexi Cap 1k will start in May24 All these funds are direct investment Request you to please evaluate and provide your valuable advise for any change/addition Thanks and Regards

Ans: Your SIP portfolio consists of a mix of small-cap, mid-cap, and multicap funds, which is diversified and well-suited for growth-oriented investors. Here's a brief evaluation and advice:

Axis Small Cap: Small-cap funds can be volatile but offer high growth potential. It's good for diversification but keep an eye on its performance and risk.

Axis Multicap: Multicap funds provide diversification across market caps. It's a balanced choice for steady growth with lower volatility.

Mirae Large and Mid Cap: This fund offers exposure to both large and mid-cap stocks, providing a balanced approach. Monitor its performance regularly.

SBI Small Cap: Small-cap funds are high risk, high reward. Ensure it aligns with your risk tolerance and keep an eye on its performance.

PGIM Mid Cap: Another mid-cap fund adds more exposure to mid-cap segment. Check if there's any overlap with Mirae fund.

Quant Flexi Cap: Flexi-cap funds offer flexibility to invest across market caps. It's a versatile choice but review its performance and fund manager's strategy.

Advice:

Review Performance: Regularly review the performance of each fund to ensure they align with your investment goals.

Risk Tolerance: Ensure your portfolio matches your risk tolerance. Small-cap funds are riskier, while multicap and large-cap funds are more stable.

Diversification: Consider adding a debt fund or international fund for further diversification and to mitigate risks.

New SIP: For the new SIP starting in May24, consider adding a balanced fund or debt fund based on market conditions and your investment goals.

Consult a Financial Advisor: Given the complexity of fund selection and changing market conditions, consulting a financial advisor can provide personalized advice tailored to your needs.

Overall, your SIP portfolio is diversified, but regular monitoring and periodic adjustments are essential to ensure it remains aligned with your financial goals and risk tolerance.

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Question by Donna - Jun 25, 2024Hindi

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Dr. Shyam, I had my teeth cleaned 6 months ago and after that was done I saw discoloration on certain teeth that wasn't there before. Years ago I had my teeth cleaned and one particular tooth after the cleaning was sensitive to touch. I had a crown put in from two different dental offices. The first one did the crown right, but was trying to charge me $3,500 more than the agreement they made with Medicare. Medicare corrected that. I other dentist did a crown and it didn't go all the way up to my gums and is sensitive to especially cold things. I'm not having very good experiences with dentist by and large. Can't find an honest one or one that can actually do the job right. I feel being on Medicare your a target to bring in money. Not sure what to do next. Supposed to go back and have them redo the crown that didn't go to my gums, but it also was ttd place to didn't clean my teeth right and discolored some of them. Any suggestions on how to trust there is actually an capable and honest dentist out there who can perform properly?

Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

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I have gum inflammation from teenage years now am in 30s it bleeds rarely but swelling doesn't reduce though from many years am waiting for it to come to normal...

Ans: Hello
You have not mentioned whether you have consulted a dentist for your gum inflammation and were treated in the past for the same.
The most common cause for gum inflammation is poor oral hygiene. Inadequate or improper brushing can lead to accumulation of tartar or calculus which in turn leads to gum inflammation. This tartar or calculus has to be cleaned (the process is called scaling) periodically by a qualified dentist in order to maintain gum health. The recommended frequency can be determined by your dentist after periodic check ups.
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Certain medicines which need to be taken on a regular basis are known to cause swelling of the gums. Hormonal imbalances can also affect the gums. To rule out these extra-oral factors, your medical history and medication will have to evaluated and adjusted by a General Physician.

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I've completed my BSc in Chemistry and Biotechnology and am now contemplating my master's degree options. I'm torn between MCA (Master of Computer Applications) and MSc Bioinformatics. Considering my life science background, I'm unsure if pursuing MCA would limit my job prospects and i don't know much about Msc bioinformatics So what to do now?

Ans: Go for MCA or Msc bioinformatics. Take prper decision. Ask yourself whether you want to be in the core line or you want to shift to IT side. If IT side then even MCA will not be enough. It's an age of AI. So you need to go for a good certificate course which is having collaboration with some reputed IIT. So please decide with a calm and cool mind then proceed. In your country before going for a three years course we don't even think for three hours. DECISION DECIDES DESTINY. So take proper decision. I am always there for you. Best of luck. MAY GOD BLESS YOU. Professor..............:)

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I am 45 year's old high school physics teacher with M.Sc in Physics and having M.Tech degree in safety, also having 18yrs teaching and four year of industry experience, now if I complete online B.Sc in AI and DS from IIT Guwahati, and try to do research in AI or quantum computing ,can I switch over in this age or I can get research opportunities

Ans: Frankly speaking research work means pursuing Ph.D or joining some company of AI, ML and DS in their R&D division. Along with job Ph.D you can't do, but certainly after the certificate course of IIT Guwahati you will have access to the R&D of the companies who deal with DS, AI and ML. Only your huge teaching experience is a negative factor. Still I would suggest you to go for the certificate course and try for R&D job. Best of Luck. MAY GOD BLESS YOU. Professor.....................:)

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Asked by Anonymous - Nov 03, 2024Hindi

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Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out

Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

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Question by Salman - Nov 14, 2024Hindi

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Hi, I got married to my ex gf in an arranged setup. I had a 7 year of relationship with her before breakup. My career switch try from private to govt job was the reason. When I failed I returned back to corporate. 3 years after the breakup her father who is a good friend of my father sent proposal which led to our marriage. No one knew that we dated. We never had a word between the acceptance and marriage. None of us initiated the conversation. When she came after marriage her behavior towards me in private is totally strange. We never had an emotional conversation. Neither we discuss romance nor intimacy. In private we hardly have any intellect discussions which was an eternal part before our breakup. But when she is in public she behaves like she cares for me a lot. She is a darling of everyone in the house whether my parents or siblings. Most of the time she remains with my mother and she has good bond. In front of her she cares for me a lot. She had this double faced attitude from the first day. Our intimacy is limited to my ask she could agree or disagree but she never initiated it. She was pretty passionate before our breakup which I never saw after our marriage. I tried everything but nothing has happened she never opened up. She disconnected with almost all our mutual friends after marriage. Whenever I tried through some of her friends she says to them I overthink a lot. Marriages and relationships differs. All useless and weird reasons. Everyone blames my teenage short temper issue. Which I have completely overcame when I started working. After marriage we had a boy. She says no for a next child for which I am fine. But the problem is now my child is growing and she has started understanding her hypocrisy. Now she blames me for teaching him wrong things. We hardly had fights as she walks out or I won't say word usually after she didn't answer for anything. I am unable to see the light in this relationship. She had 3 relationships in between but I never had one which I never discussed. Now I hardly ask for anything. Day by day we are becoming only room partners or fake couples in public. Everyone sees her as an ideal daughter in law or wife due to her public hypocrisy. Please guide.

Ans: Dear Salman,
I understand that marital issues take a huge toll on people. Whatever you are feeling, it is very normal. I strongly suggest you seek professional help- you can either opt for personal counseling sessions to manage the distress caused by your partner's indifference, or the best approach is to convince your wife to go for marriage counseling with you. It would be good to get to the root of the matter; why is she behaving a certain way, where is this coming from, are there unresolved issues from when you dated? These questions will finally get an answer and you can work on them together. If she does not agree to go, tell her to do it for your child. No child should have to see their parents unhappy with each other.

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Question by Bhalchandra - Oct 19, 2024Hindi

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I want to give NEET exam but my 12th in Maharashtra Board marks are less than 150 in PCB (general), so I am not eligible. can I give retest of 12th to get better marks so that I can give NEET.

Ans: Hi, Being a retest candidate is considered a second attempt in +2. I think the medical council will not allow admission to medicine. Instead, you can consider B.Pharm / Pharm D.

To join, the following are the requirements:

For pharm D: Minimum qualification for admission to. – a) Pharm.D. Part-I Course – A pass in any of the following examinations - (1) 10+2 examination with Physics and Chemistry as compulsory subjects along with one of the following subjects: Mathematics or Biology. (2) A pass in D.Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act. (3) Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course.

FOR B.PHARM:
Minimum qualification for admission to – A. First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time.

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Career Counsellor - Answered on Nov 14, 2024

Question by Prasad - Nov 14, 2024Hindi

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Hi, my son is currently studying B.E CSE 3rd year at a private college in Bangalore. What should he do primarily to land in a good company ? Please help us

Ans: First thing is that now-a-days both the parents and the students are too much preoccupied with placement. It became a disease. First let her complete the course and learn the interview techniques. Let him go through different websites and YOU TUBE videos from which he will learn how to give interviews. Let the teeth grow, then the question of smile will come. Let him complete his studies carefully. It seems to be always you people are discussing about the placement. Please mind one thing wrong placement is a permanent misplacement. Just ask him in which line he wants to go. Best of luck to your son. MAY GOD BLESS HIM.Professor............:)

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Career Counsellor - Answered on Nov 14, 2024

Question by Yashwantha - Nov 14, 2024Hindi

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Sir I got admission in btech biotechnology and in bhms , which has more salary potential and which course should I take

Ans: Please don't think of salary potential. First you think out of the two which one do you like more. If you take the choice of your preference then automatically you can earn more, but for salary potential if you take wrong stream then whole life you will be frustrated and even you won't be able to earn. Best of luck. Professor...........:)

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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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