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Samraat Jadhav |2098 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 21, 2023

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

Question by Abhijit on Apr 17, 2023Hindi

Money

Hi Jigar, I am a long term investor. Would want your advice on below mentioned investment which is negative as of now. NGIL 210 Shares @ 288 MOTHERSUMI 250 Shares @ 189 SRPL 500 Shares @ 114

Ans: please confirm your meaning of Long Term in Years

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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Samraat Jadhav |2098 Answers |Ask -Follow

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Question by Abhijit - Apr 13, 2023Hindi

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Hi Jigar , I am a long term investor, would want your advice for some of my investment which is at a loss currently. 1. 500 shares of SRPL @ 113 2. 210 NGIL @ 289 3. 375 Motherson @ 189

Ans: exit all an invest in bluechips

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Samraat Jadhav |2098 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 24, 2023

Question by Abhijit - Apr 24, 2023Hindi

Money

I have NGIL 210 Shares @ 288 MOTHERSUMI 250 Shares @ 189 SRPL 500 Shares @ 114. Please suggest .

Ans: Not tracking mentioned companies.

Ramalingam Kalirajan |7122 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Question by RSUBRAMANIAN - May 02, 2023Hindi

Money

I am investing SIP Rs41000 per month.I am not having a proper guidance on this investments.Please go thru & give your suggestion to improve on this investments Investments: GFGPG - HDFC Large and Mid Cap Fund - Regular Plan - Growth EDWRG - ICICI Prudential Balanced Advantage Fund - Growth 3349 - ICICI Prudential Bharat Consumption Fund Growth EDWRG - ICICI Prudential Balanced Advantage Fund - Growth 1191 - ICICI Prudential Bluechip Fund - Growth 3251 - ICICI Prudential India Opportunities Fund Growth 121 - ICICI Prudential Multicap Fund - Growth 71 - ICICI Prudential Technology Fund - Growth 3443 - ICICI Prudential Flexicap Fund Growth 8019 - ICICI Prudential Technology Fund - Direct Plan - Growth 8034 - ICICI Prudential Smallcap Fund - Direct Plan - Growth 1191 - ICICI Prudential Bluechip Fund - Growth SCAG - NIPPON INDIA SMALL CAP FUND - DIRECT GROWTH PLAN GROWTH OPTION OFDG - Quant Mid Cap Fund - Growth INF966L01887 51010091 075/0 DIRECT 103.033 139.1977 14,000.00 14,341.96 0 .5 0 DIFGZ - Tata Digital India Fund Direct Plan Growth

Ans: investing Rs. 41,000 monthly is a great sign of discipline! It seems you're investing in several mutual funds, but let's see how we can optimize your portfolio.

Current Portfolio Analysis:

Number of Funds: Having 11 funds might be too many to manage effectively. It can be difficult to track performance and make adjustments.

Overlap: There might be overlap between some funds in terms of the stocks they invest in. This reduces diversification benefits.

Investment Strategy: Your portfolio has a mix of fund categories (Large & Mid Cap, Balanced Advantage, Sectoral, etc.). It's good, but we can improve it for your goals.

Here's why I can't give specific advice on your funds:

Performance: Past performance isn't a guarantee of future results. What did well yesterday might not do well tomorrow.

Your Goals: I don't know your investment goals (retirement, child's education, etc.) These influence the best investment choices.

Here are some suggestions to improve your portfolio:

Reduce the number of funds: Aim for 4-5 well-diversified funds across different market capitalizations (Large, Mid, and Small Cap).

Consider Asset Allocation: Decide on a strategic asset allocation based on your risk tolerance and goals. This helps you pick the right mix of asset classes (equity, debt).

Actively Managed Funds: Actively managed funds, where experienced professionals make investment decisions, can potentially outperform the market. Consider consulting a Certified Financial Planner (CFP) to help you choose these funds.

Benefits of a Regular Plan with a CFP:

Guidance: A CFP can analyze your financial situation and recommend a suitable investment strategy.

Portfolio Monitoring: They can help you track your investments and make adjustments as needed.

Goal Planning: They can help you set realistic financial goals and choose investments to achieve them.

Regular plans with a CFP might have slightly higher fees than direct plans, but the guidance can be valuable, especially for new investors.

Here are some additional thoughts:

Review Regularly: Meet with your CFP periodically to review your portfolio and adjust it as your life and goals evolve.

Stay Invested: Don't panic and redeem your investments during market downturns. A long-term view is important for building wealth.

By streamlining your portfolio, seeking professional help, and staying invested, you can increase your chances of achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Samraat Jadhav |2098 Answers |Ask -Follow

Stock Market Expert - Answered on Sep 23, 2024

Question by M - Sep 23, 2024Hindi

Money

Investment in ashokleyland at 259 dmart 5023, BEL 313, COAL 525, OLA 147, TATAMOT 1085 BOUGHT ON 19.8.24 FOR LONG TERM. ANY ADVICE REQUESTED

Ans: exit dmart all others good for long term

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last 7 out of 10 years i was NRI. 23-24 NRI 24-25 R 25-26 aagain NRI will my NRE deposit be taxed for 24-25

Ans: In our opinion, it should remain tax free.
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Asked by Anonymous - Nov 26, 2024Hindi

Money

I took home loan from HDFC of 10 years duration in May 2023. I told them that i will be able repay the loan in few months as i was planning to sell one plot of mine. Bank employee offered insurance on home loan with return of premium scheme telling me that as soon as you repay the loan all of the premium will be returned. I was old customer so i trusted her and took insurance. Later i came to know that no refund on that policy if you surrender in one year and 60 percent deduction after 02 years. My mistake that i overlooked freelook peroid and rate of return of premium in the documents. I have repaid my whole loan and woll be completing my policy tenure of 02 years in Apr 2025. What should i do to get maximum return of the premium and should i appeal to the higher authorities about the lie told by the employee or i accept the return and sit and regret my decision? Need your valuable advice

Ans: Hello;

You may register a grievance with ombudsman of the lender stating the facts of the matter clearly.

It is upto the discretion of lender's grievance management leadership to take appropriate view of this matter and decide suitably.

Because legally it will always boil down to, you have signed up for the policy after going through all the terms and conditions and also didn't reckon that anything is wrong during the free look up period so no discussion unless you manage to get a video clip of your conversation with the bank employee, which I believe is almost impossible.

Best wishes;

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Question by Gaurav - Nov 18, 2024Hindi

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My 14 year old som like to start his own startip please guide how he can proceed

Ans: Please elaborate what is his Idea? where are you from? how much funds you have to support him with his business Idea? since he is too your who is going to support him?

Thanks

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Oct 30, 2024Hindi

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Hi Madam, I am 47 year old woman and my husband is 50 year old. We have a son who is 16 year old. I am a housewife. My husband is busy with his startup work and my son is independent and good in his studies. At this point of my life, I feel lonely and keep thinking of adopting a child. Can I still think of adoption of a child. Please advice.

Ans: Noted
Wife 47 yrs and husband 50 years having son 16 yrs old, having a startup business
Can adopt a child but not of same gender which you have from the marriage
The minimum age difference between the child and the prospective adoptive parent must at least 25 years
Composite age of husband and wife is 97 years (if composite age between 90 to 100 years. Can adopt child above 2 years and upto 4 years)

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Oct 22, 2024Hindi

Health

Sir, i am 42 and if i marry a 46 years old lady can we have kids of our own ? Both of us are never married and worried about this -

Ans: Noted
Husband 42 yrs
Wants to marry a woman 46 yrs and concerned about conception
Firstly, ita important to understand that as age advances the egg forming capacity of women diminishes and same with males, the sperm quality, quantity, motility also gets affected.
We need to evaluate the AMH LEVEL in woman to detect the ovarian function and other hormonal test also.
We need to do semen analysis in males after 3 to 4 days of abstinence
Chances of conception above 40 is 3 to 5 percent
But it's not impossible and can happen with assisted reproductive techniques.
Ivf Icsi techniques

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Question by paresh - Nov 24, 2024Hindi

Health

I am 43 years old, my periods come for 1-2 days, I have been having acidity for 5-6 months, I have gained weight, hair fall occurs, water comes out from the breasts, is this a symbol of menopause, if yes then what medicine should I take?

Ans: At age of 43, there is a hormonal imbalance which can result in weight gain, scanty menses, hair fall, discharge from nipple.
It can be due to stress, diet changes or lifestyle changes
Watery discharge from nipple can be due to impaired, raised prolactin level which can and treated with medicine under supervision of your doctor
To check for hormones
TSH, prolactin, LH, FSH, estradiol level, and correct accordingly
Weight gain can be taken care by correcting hormonal imbalance, dietary changes (including proteins less carbs, less oily and fatty food), exercises (Zumba, cardio, daily walks)
Hair fall can be taken care of by improving nutrition, including vitamin A, C, D, iron, biotin, zinc, protein, essential fatty acids and taking supplements under doctor supervision

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Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 21, 2024Hindi

Health

Sir/Ma'am, my wife aged 36 years old suffering from constipation as well as TSH 9.7. we are blessed with two children girl 12 yrs and 6 yrs old boy. She is undergoing treatment under a good Consultant Physician (Ex Resident AIIMS New Delhi) Dr Kamal Bandhu at Samastipur Bihar. She was treated for low Hb and Calcium by single dose Encicarb IV and medicine. Lal path lab report for Hb -9.5 and HB1ac -5.7, Vitamin B12- 135 and vitamin D- 45. Recently she missed the period after last period was on 18 Oct 24 but till now no period came. Urine pregnancy test was also carried out twice with the help of two different UPT strip and result was negative twice. We are not in physical contact since 19 Sep 24 due to job location. Kindly suggest in case she missed her period

Ans: History noted
Since she missed her periods, tsh higher side
Urine pregnancy test twice negative
I would advise
1) to get one usg pelvis done to rule out any cyst
2) hormonal test
Tsh , prolactin
Since TSH is high, advisable to start thyroid medications tab thyronorm to bring down the tsh level to within normal limits
If usg pelvis is normal
Can give withdrawal bleed in form of progesterone pills to get periods.
Keep a watch on further cycles
If still irregular, then to keep on cyclic oral contraceptive pills to regularize periods
To maintain menstrual diary
To control TSH LEVEL

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 22, 2024Hindi

Health

Hi doctor, I am 44 years old, and my menstrual cycle is currently 20 days. I got my period on September 30, 2024, and then I took an emergency contraceptive pill (i-pill) on October 9. I had my regular period on October 21. Now, I have missed my second period; today is October 22, and I still have not started. How long should I wait for my period to arrive, or should I take a pregnancy test? This was my first time using an i-pill, so I would like some advice. Is it normal to have a delay after taking an I-pill? How many days could it be delayed? Please suggest what I should do.

Ans: Hey, since you are 44 years, you are in your peri menopausal phase which causes hormonal imbalance
But since have consumed IPILL, which is an emergency contraception, periods can be up to a week late and sometimes even later. If your period is more than a week late, we recommend taking a pregnancy test. You may have some irregular bleeding after you take the Ipill, and before your next period. This can range from spotting to heavy bleeding.
So please do home pregnancy test once to rule out pregnancy. If its negative, then await normal regular periods.

Dr Nandita Palshetkar |13 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 26, 2024

Question by Twisha - Nov 19, 2024Hindi

Health

Hello mam, I am a girl 18years old I had pcod since my period started I got my period when I was 13years that time everything was ok but after few months I was bleeding heavy getting menses 2-3in a month so my mom got very worried and she takes me to a gynaecologist and she prescription and tablets like "novelon"and then I am ok but after that I didn't get my periods for few months and also that time lockdown happened so we can't go to a gynaecologist and then after everything got normal and hospitals we go to the doctor and she asked from how many time you don't get your menses and then I replied from past 6months and she shouted on me and immediately told me to have ultrasound and after seeing the reports she said you have pcod then the rest of the story you know I am still suffering from this disease I don't get my periods if I don't take the tablets now I can't understand what to do even I changed a lot of gynaecologists but nothing happened and they this is a incurable disease you have to take tablets for lifetime and also I am not even financially strong

Ans: Polycystic ovary syndrome (PCOS) is a hormonal condition that can cause irregular or absent menstrual periods.
Higher amounts of androgens in PCOS can interfere with egg development and ovulation, leading to skipped or absent periods.
One of the best ways to cope with PCOS is to maintain a healthy bodyweight, eat nutritious foods and exercise regularly.
LIFESTYLE CHANGES:
Eating healthy foods, exercising regularly, and maintaining a healthy weight can help regulate your menstrual cycle
BIRTH CONTROL PILLS:
Combination oral contraceptives (COCs) can help regulate menstrual periods and treat acne and hirsutism. It can take up to six months to see if birth control is effective.
ANTIESTROGENS:
These medicines can help with skin and hair growth problems
METFORMIN
This diabetes medicine can help control ovulation and androgen levels, which can make menstrual cycles more regular
Supplements containing
Myo ionositol, chirositol, vitamin D, chromium also helps in maintaining pco

Radheshyam Zanwar |1070 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 26, 2024

Question by Vikas - Nov 25, 2024Hindi

Career

Neet Wale jee de sakte hai

Ans: Hello Vikas.
NEET aspirants can give the JEE (Mains) without any hurdle. But the JEE is based on PCM. Hence, to be admitted to the engineering branch, the aspirant must have cleared mathematics as an optional subject.
Best of luck for your upcoming NEET and JEE exams.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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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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