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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Jan 06, 2021

Mutual Fund Expert... more

Question by abhishek on Jan 06, 2021Hindi

Money

I am looking for the longer horizon, may be 10 to 15 years from now. I am already investing in below SIPs request your view on it. Also, if you can suggest some good options to buy looking at my horizon. My Age as on date is 39 years. Risk appetite is medium.

1) HDFC MID CAP OPPORTUNITIES FUND GROWTH PLAN - Rs. 1000 monthly
2)ICICI PRUDENTIAL VALUE DISCOVERY FUND GROWTH PLAN - Rs. 1000 Monthly
3) SBI SMALL CAP FUND GROWTH PLAN - Rs. 2000 monthly
4) FRANKLIN INDIA FOCUSED EQUITY FUND GROWTH PLAN - Rs. 2000 monthly
5) Aditya Birla SunLife Pure Value-G Rs. 4000 Monthly
6) L&T Emerging Businesses-G Rs. 3000 monthly

Ans: Continue with SBI Small Cap and for others kindly consolidate your portfolio as under:

Instead of focused: Uti Equity Fund-growth Plan-growth

Instead of L&T Emerging Business: Canara Robeco Emerging Equities – Growth

In Mid Cap: Axis Mid Cap fund – Growth

Thematic instead of Value Funds: DSP Quant Fund - Growth

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 02, 2021

Question by Kishore - Dec 02, 2021Hindi

Money

I am looking for longer horizon of 15/20 years from now with an objective of creating a large corpus for my retirement. I am already investing Rs 10,000 in the below SIPs and request your expert guidance/views whether I should continue investing in such funds or make any change in the strategy. My age as on date is 40 years. Risk appetite is medium. Mutual Funds 1. Quantum Long Term Equity Value Fund -- Direct (G) 2. L&T Emerging Businesses Fund -- Regular Plan (G) 3. Kotak Bluechip Fund -- Direct Plan (G) 4. IDFC Tax Advantage (ELSS) Fund -- Direct Plan (G) 5. SBI Small Cap Fund (G) 6. Canara Robeco Blue Chip Equity Fund -- Regular Plan (G) 7. Kotak Standard Multicap Fund -- Regular Plan (G) 8. Mirae Asset Emerging Bluechip Fund -- Direct Plan (G) 9. DSP World Energy Fund -- Regular Plan (G) 10. DSP Equity Opportunities Fund -- Regular Plan (G) 11. Motilal Oswal Focused 25 Fund -- Regular Plan (G) 12. SBI Focused Equity Fund (G) Request you to please guide with your valuable inputs in relation to the above.

Ans: Funds are good but too many funds are there. Try to restrict to four to six funds, that is sufficient to provide adequate diversification.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Feb 16, 2022

Question by Kishore - Feb 16, 2022Hindi

Money

I am looking for longer horizon of 15/20 years from now with an objective of creating a large corpus for my retirement. I am already investing INR 10000 in below SIPs and request your expert guidance / views whether I should continue investing in such funds or make any change in the strategy. My age as on date is 40 years. Risk appetite is medium. Request you to please guide with your valuable inputs. Quantum Long Term Equity Value Fund - Direct (G) L&T Emerging Businesses Fund - Regular Plan (G) Kotak Bluechip Fund - Direct Plan (G) IDFC Tax Advantage (ELSS) Fund - Direct Plan (G) SBI Small Cap Fund (G) Canara Robeco Blue Chip Equity Fund - Regular Plan (G) Kotak Standard Multicap Fund - Regular Plan (G) Mirae Asset Emerging Bluechip Fund - Direct Plan (G) DSP World Energy Fund - Regular Plan (G) DSP Equity Opportunities Fund - Regular Plan (G) Motilal Oswal Focused 25 Fund - Regular Plan (G) SBI Focused Equity Fund (G)

Ans: Please continue; although there are too many funds

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 21, 2021

Question by Kishore - Dec 21, 2021Hindi

Money

I am looking for a longer horizon of 15-20 years with an objective of creating a large corpus for my retirement. I am already investing Rs 10,000 in the below SIPs and request your expert guidance/views on whether I should continue investing in these funds or make any change in my strategy. I am 40 year old and my risk appetite is medium. Mutual Funds Plan type 1. Quantum Long Term Equity Value Fund Direct Growth 2. L&T Emerging Businesses Fund Regular Plan Growth 3. Kotak Bluechip Fund Direct Plan Growth 4. IDFC Tax Advantage (ELSS) Fund Direct Plan Growth 5. SBI Small Cap Fund Growth 6. Canara Robeco Blue Chip Equity Fund Regular Plan Growth 7. Kotak Standard Multicap Fund Regular Plan Growth 8. Mirae Asset Emerging Bluechip Fund Direct Plan Growth 9. DSP World Energy Fund Regular Plan Growth 10. DSP Equity Opportunities Fund Regular Plan Growth 11. Motilal Oswal Focused 25 Fund Regular Plan Growth 12. SBI Focused Equity Fund Growth

Ans: The funds are decent. However, there are too many funds. Please restrict your portfolio to 4-6 schemes.

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Jul 23, 2023

Asked by Anonymous - Jun 03, 2023Hindi

Money

Hi , I am 44 years old , Currently I have invested in following SIPs , 1. SBI Multicap Fund - 5K , 2. SBI Small Cap Fund Direct Growth-5K , 3. SBI Focused Equity Fund Direct Growth- 5K , 4. Parag Parikh Flexi Cap -2K 5. PGIM India Midcap Opportunities Fund Direct-Growth - 1.5K 6. ICICI Prudential Bluechip Fund Direct-Growth-1.5K 7. Quant Flexi Cap Fund Direct-Growth-2K . Are these SIPs good to continue ? I want to invest another 5K in SIP, please suggest me some good options.

Ans: Your current SIPs are a good mix of equity funds. They provide you with exposure to a variety of asset classes and investment styles but we suggest you also maintain your asset allocation according to your age, risk profile, and goals.

Your current asset allocation is 100% in equity funds, and you don’t have any debt investments. So, we suggest you to change your asset allocation and add some hybrid/debt funds in your portfolio.
For the additional Rs. 5,000 SIP, we suggest investing in the Aggressive Hybrid category or Balanced Advantage category for the purpose of diversification and asset allocation.

Here are a few suggestion for aggressive hybrid and balanced advantage category:

Aggressive Hybrid - Mirae Asset Hybrid Equity Fund
Balanced Advantage – Edelweiss Balanced Advantage Fund

The best SIP for you will depend on your investment goal and risk tolerance.

Samraat Jadhav |2498 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 18, 2024

Question by Nagendra - Jun 15, 2024Hindi

Money

Sir . I have started few sips. Please suggest is it good to go for next 10 to 15 years 1 quant mid cap direct growth 8000 2 quant small cap direct growth 4000 3 parag parikh flexi cap fund 5000 4 dsp nifty next 50 index direct growth 5000 5 icici prudential flexi cap direct growt 5000 6 aditya birla sun life PSU equity fund 2000

Ans: if your vision is for 15yrs plz convert your dsp nifty next 50 index fund to a large and midcap fund, all others are good

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Question by Murari - Dec 05, 2025Hindi

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Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
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Dentist - Answered on Dec 05, 2025

Question by Visu - Aug 01, 2025Hindi

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I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

Ans: Hello

Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

Implants have some definite advantages over removable dentures. They provide a stable and secure fit, improved chewing and speech.
And with proper care may last for 10-15 years or more.
On the negative side, upfront cost of implants can be higher, surgery cannot be avoided and healing can take 3-6 months.

Cost-wise, Implants can be more cost-effective in the long run.
"All-on-4" implants might be cheaper than individual implants, but waiting might lead to deterioration of bone health, making the process more complex.

Consult your dentist about:
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- Bone density scan (to check if you have enough bone for implants)
- Cost estimates and financing options
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Asked by Anonymous - Aug 21, 2025Hindi

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My 12 year old son has 2 parallel lines of teeth. One front and the other behind. So far in the behind only 2 teeths are there one in each side. Will this cause any serious issues for him? He has speech problem. Could this be the reason? Does he need to take any immediate corrective procedure?

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This situation of "2 parallel lines of teeth" arises when permanent teeth erupt BEFORE the deciduous teeth (or milk teeth) have been shed. This indicates a mis-alignment of the permanent teeth. The shedding of milk teeth is dependent on the permanent teeth exerting pressure on them as they grow.
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Asked by Anonymous - Jun 17, 2025Hindi

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My front teeth is broken I fell down from my bike while dog is chasing me . I went to dentist i got broken teeth cemented . dentist advised me not to chew anything with cemented teeth it's a life time instruction. It is very discomfort to me .Is there any treatment such that I can chew even with repaired tooth

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Sorry to hear about your fall and the resultant damage to your teeth.
Honestly, it's best to follow your dentist's advice, but I understand your problem. Eating can be a challenge.
Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

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Question by Ganesh - Dec 03, 2025Hindi

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Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

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Question by Thamizh - Dec 04, 2025Hindi

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Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

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My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

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Asked by Anonymous - Dec 02, 2025Hindi

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Hi Anu, My husband doesn't do house chores. We both work full-time, but I still end up cooking, cleaning, and doing laundry. When I ask for help, my partner will say, ‘Just tell me what to do,’ but then he conveniently forgets. Maybe he doesn't like it or he is genuinely forgetful. I have tried many ways to make him explain. Once I only did my share of laundry to make him realise but he simply ignored. Every week this pattern repeats. Is this normal? How can married couples divide responsibilities fairly to avoid fights?

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Question by Santosh - Oct 20, 2025Hindi

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Feeling alone in the world and iam not having any close friends everybody is busy with their works and family, help me what to do

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Everybody has a life and so do you; build your life the way that you want...
Start attending weekend events or any social gathering in the city/town that you live in; even a smile or a hi, hello can be start to a good association when you can further discuss and chat on mutual interests and hobbies.
A humble effort in this direction can change the state that you are in.

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Drop in: www.unfear.io
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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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