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Samraat Jadhav |2126 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 13, 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 Girinath on Jun 13, 2023Hindi

Money

Sir, i am K.Girinath, below are equity fund I brought and qty and average price per unit, please advise which one hold or sell Symbol HATHWAY- QTY 5000 - PRICE 18 IOC- QTY 4551- PRICE 70 MANAPPURAM- QTY 5059 - PRICE 115 MOTHERSON- QTY 5547 - PRICE 94 OIL- QTY 1000 - PRICE 189 TATASTEEL- QTY 5001 - PRICE 104 WIPRO- QTY 100 - PRICE 404.5 RVNL-QTY 1470 - PRICE 114.80 HEROMOTOCO - QTY 50 - PRICE 2894.8 TATAMOTORS - QTY 1000 - PRICE 418.15

Ans: Hatway - SELL
IOC - HOLD
Mannapuram - SELL
Motherson - HOLD
OIL - SELL
Tata Steel - HOLD
Wipro - HOLD
RVNL - HOLD
Heromoto - HOLD
Tata Motors - HOLD
All above recommendation of HOLD is for atleast 3-5yrs, please consult your appointed/paid financial adviser before taking the decision.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. 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.

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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Question by Mrinal - Nov 29, 2019Hindi

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Dear Sir, I have following mutual funds: Please comment whether I shall sell or retain. ABSL Equity fund growth HDFC Equity fund growth ICICI Pru Nifly Index Growth ICICI Pru Infrastructure Growth SBI Focused Equity Fund Growth UTI Master Share UTI MNC Fund Magnum Taxgain Sundaram Infrastructure ABSLMidcap Growth Name of the Fund Name of the Fund RankMF Star Rating ABSL Equity fund growth Equity - Multi Cap Fund 4 HDFC Equity fund growth Equity - Multi Cap Fund 4 ICICI PruNifly Index Growth Index Funds - Nifty 4 ICICI Pru Infrastructure Growth Equity - Sectoral Fund - Infrastructure 2 SBI Focused Equity Fund Growth Equity - Focused Fund 4 UTI Master Share Equity - Large Cap Fund 5 UTI MNC Fund Equity - Thematic Fund - MNC 3 Magnum Taxgain Equity - ELSS 3 Sundaram Infrastructure Equity - Sectoral Fund - Infrastructure 2 ABSLMidcap Growth Equity - Mid Cap Fund 2

Ans: You may continue with funds with 4 and 5 star rated, sector funds to be avoided and good funds in Multicap , Focused and Mid cap should be invested in.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

ELSS: Suitable options considering quality and value for money at present levels are Motilal Oswal Long Term Equity – Growth

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Question by Pradip - Mar 29, 2023Hindi

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Hello Sir, we have following mutual fund , kindly suggest which ones to exit, continue or hold from the following : (1)KOTAK EQUITY HYBRID FUND - REGULAR PLAN - IDCW Rs 30845.13 (2) NIPPON INDIA TAX SAVER ELSS FUND - IDCW PLAN Rs 50000 (3) IDFC Banking and PSU Debt Fund Regular Plan Growth Rs 49997.5 (4) SBI SMALL CAP FUND REGULAR GROWTH Rs 289985.58 (5) ICICI PRUDENTIAL VALUE DISCOVERY FUND - IDCW Rs 65000 Thank You !!

Ans: Evaluate each mutual fund based on its performance, expense ratios, fund manager's track record, and alignment with your investment goals and risk tolerance. Consider exiting funds with consistently poor performance or high expenses. Continue holding funds that have shown consistent returns and align with your investment strategy. Review the portfolio regularly to ensure it remains diversified and in line with your financial objectives. Consult with a financial advisor for personalized guidance tailored to your specific needs and goals. Regularly monitor market conditions and fund performance to make informed decisions regarding your investments.

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Question by Paresh - Mar 29, 2023Hindi

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Sir I am hlding following shares, kindly please guide which to hold and which to sell. 1 Vikas Ecotech holding 2000 shares @5.13 2. FCS Software holding 700 shares @4.20

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Question by SHIV - Apr 18, 2023Hindi

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I have following shares, Pl. suggest I hold or sell the same:- Name of company Share Cost Total per Investment share 1. Century Enka 5 250 1250 2. Finolex Industries 375 10 3750 3. Gagan Gases 100 10 1000 4. HDFC Bank limited 70 10 700 5. LIC 19 904 17176 6. Reliance Industries 4 10 40 7. Rolex Rings 16 900 14400 8. Sigachi Industries 90 163 14670 9. Timken India 19 10 190

Ans: some very interesting names, but on quality front i would stick to hdfc bank, reliance, rolex and timken. Rest of them may not be extraordinary going forward.

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Ans: Hi,

You need to apply for a new community certificate and submit it when applying for the NDA exam.

Why is this necessary? The certificate you uploaded was obtained in 2018, and since the current year is 2024, it is now outdated. According to state government regulations (which can vary from state to state), the validity of a community certificate is typically a maximum of 5 years, and in some cases, just 1 year. Therefore, your community certificate is no longer valid.

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Asked by Anonymous - Dec 24, 2024Hindi

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Hello i am almost 30 now I have invested around 40 lakhs in Market (mutual funds plus equity) 6 lakhs ppf maybe 2 lakhs pf I have parental property of combining around 2.5cr I have my parents helath insurance from a private insurance company, also covered by cghs health scheme,so no major worries about health expenses, for me i have 10lakhs health insurance Apart from this we have family pension also. As of now overall i have a monthly income of around 2-2.25 lakhs. I have a car a bike a scooty all valid for next 8-10 years What should be my goal amount for the retirement, i want it as early as possible As per the current scenario i am assuming i will live max till 75 years age. As of now i can invest 80-90k per month Yet to be married i assume i need atleast Lakhs per month as of now What should be the ideal amount with which i can retire

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Hope you have adequate term life insurance for yourself.

You may start a monthly sip of 90 K in a combination of pure equity mutual funds.

After 10 years your sip and lumpsum investment will grow into sums of 2.09 and 1.24 Cr respectively.

This adds upto 3.33 Cr. If you add your ppf and EPF corpus then this should add upto a sum of around 4 Cr.

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1 L+.

As you get married your expenses will rise as also the need to plan for various other goals.

Therefore the decision to retire from regular 9-6 job should be backed up with alternate business plan or such other plan to monetize your hobbies that may yield income over atleast next 10-15 years.

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

Radheshyam

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Question by Singh - Dec 23, 2024Hindi

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Sir mere best friend ka jo ex boyfriend tha uski shadi fixed ho gayi hai. Aur woh meri friend se last time meet karne ke liye bula raha hai. Meri friend mujhse suggestion mang rahi hai infact sath chal ne ke liye bol rahi hai. Please suggest me usse kaise aur kya samjhaun.

Ans: Dear Sonalee,
I am not sure if it's such a good idea to go and meet her ex, but if that's what she needs to do for closure, then other than supporting her, there isn't much you can do. I know it sucks to see our loved ones in pain and making choices that will cause them more pain, but in some cases, we have to let them make their own decisions. Go with her since she is asking you to; look out for any kind of tricky situation and be there for her because it won't be easy.

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Asked by Anonymous - Dec 07, 2024Hindi

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Hi sir, 52 yrs old Government servant Have savings of 2 crore, have two houses presently 06 yrs to retire No debt Liabilities are higher education of two daughters Will get total 4 crore as retirement corpus and will have savings of about 01 crore after doing all expenses Pension will be around 1.75 lakhs monthly Is it sufficient?

Ans: Hello;

If your current regular monthly expenses are 1 Lac or below then it looks okay.

Do take some good health insurance apart from coverage in government healthcare scheme for pensioners.

Best wishes;

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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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