Is it worth to buy devyani international

Ans: IRFC is a good buy on dips. good dividend play.

thanks

please note : Investing strategies depends on your risk appetitive, so Please consult your financial advisor and then take further decision.

Advait Arora @wealthenrich

Ans: Declining Net Cash Flow and Cash from Operating Activity for last 2 years
Annual net profit declining for last 2 years
High promoter stock pledges
Highest increase in pledges by promoters
Avoid

Ans: what would be your holding period 3yrs-5yrs or 7 yrs ?

Ans: Investing in HDFC Nifty Realty Index Fund may not be the most prudent decision for several reasons. While sectoral funds offer targeted exposure to specific industries like real estate, they come with inherent disadvantages compared to diversified funds. Additionally, index funds, including sectoral ones, have their drawbacks when compared to actively managed funds.

Disadvantages of Sectoral Funds
Concentrated Risk
Sectoral funds focus on a specific industry, such as real estate in the case of HDFC Nifty Realty Index Fund. This concentration increases the risk because the performance of the fund is closely tied to the performance of that sector. Any adverse developments in the real estate sector can significantly impact the fund's returns.

Cyclical Nature
Real estate is a cyclical industry prone to fluctuations based on economic conditions, government policies, and market sentiments. Investing solely in a real estate index fund exposes you to the cyclicality of the sector without the benefit of diversification across other industries.

Lack of Diversification
Diversification is a key principle of sound investing. Sectoral funds lack the diversification benefits offered by multi-cap or diversified equity funds, which spread investments across various sectors and companies. This diversification helps mitigate risks associated with a single sector's performance.

Disadvantages of Index Funds
Limited Flexibility
Index funds passively track a specific index, such as the Nifty Realty Index in this case. They lack the flexibility of actively managed funds to respond to changing market conditions or exploit investment opportunities. As a result, they may underperform during certain market phases.

Inability to Outperform
Since index funds aim to replicate the performance of their underlying index, they cannot outperform the market. In contrast, actively managed funds have the potential to generate alpha by selecting high-performing stocks or sectors, thereby outperforming the benchmark index.

Sectoral Risks Amplified
While index funds provide exposure to a specific sector, such as real estate, they magnify the risks associated with that sector. In the case of HDFC Nifty Realty Index Fund, any downturn in the real estate sector would directly impact the fund's performance without the cushion of diversification.

Conclusion
In summary, while HDFC Nifty Realty Index Fund provides exposure to the real estate sector, it comes with inherent risks due to its sectoral focus and passive management approach. Investing in diversified equity funds offers better risk-adjusted returns by spreading investments across multiple sectors and adopting an active management strategy. Before making any investment decision, it's advisable to consult with a Certified Financial Planner who can assess your financial goals, risk tolerance, and recommend suitable investment options tailored to your needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in