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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on May 06, 2022

Mutual Fund Expert... more

Question by Thomas on May 06, 2022Hindi

Money

Dear Sir,

1. I have invested Rs 3 lakhs in Kotak Global Innovation Fund of Fund, regular growth plan. Since the beginning of this fund, it is showing a downward trend. Should I stay in this fund or exit?

2. I have invested Rs 1 lakh SBI Balance Advantage Fund, regular plan growth. Since the beginning this fund, it is showing slight upward trend. Should I stay in this fund or exit?

Please advise on the above.

Ans:

Exit
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 Jun 10, 2022

Question by Pranabananda - Jun 10, 2022Hindi

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I am 48. Sir I have SIP in the following funds. Please let me know if I should continue or need to do any change in my investment. 1) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND-GROWTH Rs.1000 13.06.2016 (date) 2) DSP MID CAP FUND--GROWTH Rs.3000 12.06.2017 3) HDFC MID CAP OPPORTUNITIES FUND-GROWTH Rs.2000 20.12.2016 4) ICICI PRUDENTIAL VALUE DISCOVERY FUND-GROWTH Rs.1000 14.06.2016 5) MIRAE ASSET EMERGING BLUECHIP FUND-GROWTH Rs.1000 14.06.2016 6) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.2000 19.12.2016 7) HDFC CHILDRENS GIFT FUND-GROWTH Rs.1000 13.06.2016 8) AXIS FLEXI CAP FUND-GROWTH Rs.3000 02.06.2021 9) MIRAE ASSET HYBRID-EQUITY FUND-GROWTH Rs.1500 02.06.2021 10) MIRAE ASSET MIDCAP FUND-GROWTH Rs.3000 05.07.2021 11) NIPPON INDIA SMALL CAP FUND -GROWTH Rs.1000 26.12.2017 Sir I have invested lump sum amount in the following funds. Please suggest whether to continue or exit. 1) ADITYA BIRLA SUN LIFE BANKING AND FINANCIAL Rs.50,000 22.08.2016 (date) Rs.79,647 (present value) SERVICES FUND-GROWTH 2) ADITYA BIRLA SUN LIFE FRONTLINE EQUITY Rs.50,000 22.08.2016 Rs.87,455 FUND-GROWTH 3) ADITYA BIRLA SUN LIFE SMALL CAP FUND-GROWTH Rs.100,000 29.06.2017 Rs.132,490 4) HDFC HYBRID EQUITY FUND-GROWTH Rs.120,273 01.06.2018 Rs.178,746 5) ICICI PRUDENTIAL BLUECHIP FUND-RETAIL-GROWTH Rs.20,042 22.02.2018 Rs.31,422 6) L&T INDIA VALUE FUND-GROWTH Rs.25,000 22.08.2016 Rs.48,505 7) L&T INDIA VALUE FUND-GROWTH Rs.150,000 17.04.2017 Rs.245,565 8) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.25,000 22.08.2016 Rs.61,878 9) MIRAE ASSET TAX SAVER FUND-GROWTH Rs.105,000 28.04.2017 Rs.216,372 10) ADITYA BIRLA SUN LIFE PURE VALUE FUND-GROWTH Rs.50,000 06.11.2018 Rs.65,281 11) ADITYA BIRLA SUN LIFE TAX RELIEF 96-GROWTH Rs.100,000 06.11.2018 Rs.128,895 12) L&T EMERGING BUSINESS FUND-GROWTH Rs.100,000 13.12.2017 Rs.155,097 13) MIRAE ASSET BANKING & FINANCIAL Rs.264,987 16.12.2020(STP) Rs.273,346 SERVICES FUND-GROWTH 14) MIRAE ASSET BANKING & FINANCIAL Rs.50,000 23.11.2021 Rs.44,129 SERVICES FUND-GROWTH 15) MIRAE ASSET GREAT CONSUMER FUND-GROWTH Rs.180,000 13.12.2017 Rs.284,600 16) MIRAE HEALTHCARE FUND-GROWTH Rs.200,000 09.11.2018 Rs.401,429 17) MIRAE ASSET MIDCAP FUND-GROWTH Rs.235,462 9.12.2020(STP) Rs.280,601 18) NIPPON INDIA SMALL CAP FUND-GROWTH Rs.100,000 12.12.2017 Rs.178,693 19) TATA FLEXI CAP FUND-GROWTH Rs.100,000 09.11.2018 Rs.149,127 20) TATA INDIA CONSUMER FUND-PLAN A-GROWTH Rs.100,000 09.11.2018 Rs.141,382 21) UTI SMALL CAP FUND-GROWTH Rs.100,523 22.12.2020(STP) Rs.137,025

Ans: Too many funds, please consolidate it in 4 to 5 funds

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Mutual Fund Expert - Answered on Jul 11, 2023

Question by vimal - Mar 21, 2023Hindi

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sir, pl. advise me whether to continue or wait with this fund. I have invested in these funds sip / lumpsum. (1) Aditya Birla Sun Life Small Cap Fund (2) Aditya Birla sun Life frontline equity fund (3) Aidtya Birla sun life liquid fund (4) Aditya Birla sun life tax relief '96 SIP (5) ICICI Prudential Equity & Debt Fund â€ Growth (5) Hdfc Balanced advantage fund-Direct Plan-Growth Option (6) ICICI prudential value discovery fund_direct plan- Growth (7) Nippon India Focused Equity Fund â€Growth Plan (8) Nippon India Large Cap Fundâ€ Growth Plan â€Growth Option :– I have invested lumpsum amount in all above scheme. (1) Axis Small Cap Fund â€ Regular Plan â€ Growth SIP Canara Robeco Emerging Equities â€ Regular Plan Growth (2) HDFC Multi Cap Fund â€ Growth Option (3) ICICI Prudential Flexicap Fund â€ Growth (4) ICICI Prudential Transportation And Logistics Fund (5) SBI Magnum Midcap Fund - Regular Plan – Growth :- I am investing SIP of Rs. 1500-00 per month since Nov. 202.

Ans: Hello Vimal and thanks for writing to me. The funds you are investing in are good funds and you can continue to invest in them.

If you elaborate your goals and risk appetite, I may recommend other schemes.

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Question by S - Jun 25, 2023Hindi

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I have invested in the following funds and require your advice on holding or Switching ----1) SBI Focused Equity fund Regular growth - 645 units @ Rs.227 purchased on 4th aug 2022,----2) SBI Blue Chip Fund Regular Growth - 822 units @ Rs.60.84 purchased on 4.8.22, ----3) SBI Multicap Fund Regular Plan Growth - 34953 units @ Rs.10.59 on 4.8.22,----4) HDFC Tax Saver Direct Plan Growth Option - One time Investment of Rs.40000/-on 9.3.20,----5) HDFC Developed World Indexes FundOf Fund - One time investment of RS.50000/- ON 21.10.21, ----6)HDFC Equity Savings Fund Direct Plan Growth--One time investment of Rs.70000/- on 21.10.21,----7) HDFC Nifty Next50Index Fund direct growth - One time investment of Rs.50000/- on 3.11.21

Ans: Hello, the selection of funds should have a goal attached to it. This investment style seems to be cluttered and not very definitive in terms of the goals it has. Do speak to an advisor / distributor in person for the same.

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Question by Arkajyoti - Nov 07, 2024Hindi

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My age is 34 and I invest in SIP for around 30000 monthly. My current corpus is around 30Lakhs in MF, 10Lakhs in PF and another 10Lakhs in savings. I step up my SIPs every year by 2-3K, but I do not have much room to increase my SIP amount as my salary is very low. I want to retire with a monthly income of around 80K-1Lakh. What age can I retire?

Ans: Hello;

With your current investment levels, you may need 15 years to accumulate a corpus of around 3.46 Cr, which if annuitized may yield you a post-tax monthly income of 1.2 L assuming 6% annuity rate.

Returns from pure equity mutual funds are considered to be 12% and PF interest assumed to be 8%.

So you may consider about retirement, 15 years here onwards.

Happy Investing;

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I have EPF contribution with Patni software now acquired by Capgemini.. my EPF of 2004 doesn't have UN number how can I withdraw the EPF.. send reply

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You may Log in to the EPFO website and navigate to the Inoperative Helpdesk.

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My age is 47 male and my partner age is 41 we have a child of 12 years old i didn't had sex for more than 3 years and my partner is not interested in sex what is the solution ?

Ans: Dear Anonymous,
Did physical intimacy stop all of a sudden? Like, what could have led to your partner not wanting sex?
Usual causes:
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- Lack of intimacy and closeness outside the bedroom scene
- Loaded with housework that leaves your partner tired
- Sense of non-accomplishment if she is used to working earlier and is not doing that anymore
- Need to do something different other than taking care of the house in case she is a full time homemaker

I guess the only way to find out is to find out from her...focusing on her needs may help you ease on your needs...Start with her first and LISTEN to what could be going on in her mind.

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Relationships Expert, Mind Coach - Answered on Nov 07, 2024

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Im 54 married my wife 44 since our marriage 22 years all is fine even in my trouble time my wife supported me fully but last 2 years we are no contact situation even we shaare same house we have 2 kids 18 and 12. Last 2 year back she met her school friend from there she is ignoring me don't know how to fix it i Dought she has a affair with him. But m not getting clue. Hiw to find it

Ans: Dear Anonymous,
It's a wonder as to why she would suddenly be different from what you have been used to. It's also natural to pinpoint it to her reconnecting with her school friend if there is no other recent changes or events that might have caused her to act very different. The best is to ASK...she may not even be aware of her behavior change or the impact certain things are having on you.
While you have that chat, it will give you a fair understanding of what is going on with that friend of hers.
Communication is better than Assumption and in your case, it's best to talk things through...

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Relationships Expert, Mind Coach - Answered on Nov 07, 2024

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Hi, I am a 48 year old unmarried woman. I stay with my parents and we 3 enjoy our life in our own way. I have 2 married elder sisters and share a loving relation with them. In short I am blessed with a loving and supportive family. But at times I miss having a man in my life. We have tried so hard but nothing materialised on the marriage front.All men in my age group either married or divorced with kids. Do u think its ok to get married if I find someone whom I like. Sometimes I feel i should atleast date someone and if marriage is to happen it will. I am single for a very long time. I am grateful to God for all the good things I have in my life. How to find someone no clue. Have tried thru matrimony no success. Not interested in any dating app. Nor interested in casual dating with a younger guy. I need someone of my age or elder. Pls advise. Thanks..

Ans: Dear Anonymous,
Of course, you must date someone if that's what you want and it's possible by entering the right social circles. Something that interests you can be a point of meeting; gym, sports, music groups, dance groups, theater groups...the list is long...
It just takes that little effort to join one of these and meet a few like-minded people who are not just into casual dating but are interested in pursuing a connection with you...So, give it a shot!

All the best!
Anu Krishna
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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 Nov 07, 2024

Asked by Anonymous - Sep 28, 2024

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I had lost my virginity before marriage, at the age of 18 and now I'm 26 years old but now I Going to marry someone else.did my future husband know that I have lost my virginity when I have intercourse with my ex, we had 7 to 9 years of relationship till now but that relationship did not worked so we broke up recently. Now I'm going to marry next year ending. What should I do? Its a arrange marriage if he knows all that shits then my family reputation is also harm. What should I do to this situation. I can't tell anyone about this and what is the solution that he never know about my past life..i want to hide from him that I'm not virgin.

Ans: Dear Anonymous,
You have lost your virginity, so be it!
And what are you making a big noise about it, family reputation etc...are you serious that the boy's side is going to do a medical examination or send some elderly aunt to inspect you? Which age are you living in?
Oh and by the way, how do know the boy is a virgin? Or is this great responsibility only that of a girl?

All the best!
Anu Krishna
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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 Nov 07, 2024

Question by harsh - Sep 16, 2024Hindi

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Help me!!! 1.I'm starting new "work" on my own(challenging for me) but my mind says quit it, be quite & do nothing. I myself don't know that wether the result of work will be +ive or uncompleted like alws. 2. My mind has become like order seeker type, when someone orders me, I do those things with dedicated(but sad from inside) manner. But when myself will try something different(which i fear, but necessary) then. "I QUITS IT" & sometimes I don't even start. 3. I'm like stuck no clue what/whom I want to do in life, I'm in cllg(1 yr) doing (CSE) ,. 4. I want to do/try (sports,talking girls,study,stocks,coding..) many things, but myself, my thoughts(overthinker), R like just be in the place where u are[confused,po*n,think about past/future(being billio..re,olympics..), girl (that u liked & never talked), abusive/beating self,.. sometimes feels like end life, but don't hv courage for that also.. 5. I tried self help books, spirituality, god, self affirmation, writing... & thay affected me(sometimes) but for only some time, then again that devil me comes up &these things never get completed. As no one in my family knows about all these, so that's Y ,I hv to fight/loose/try again, the battles with myself.

Ans: Dear Harsh,
If in the past you have had the urge to QUIT, how is this time going to be different? This is not to discourage you from taking up 'new work' but pointing out that there is some amount of work that you need to put to clear the mind out of blockages.
-What is limiting you?
- What is the reason for putting off things?
- What comes first to the mind when you start something new?
Also, focus on one thing at a time; study and go deep into it...what's this thing with work? I don't understand. When the mind is unsettled, take one thing/activity, pursue it and finish it. It could simply be studying for Year 1 of your college...just only do that...once your mind is trained in completing an activity, you can add another one the next year along with studying and then pursue both...it could be some sport and studying...then the next year, you could add a third activity. This is called 'training the mind in discipline'. Discipline will make sure that you start and finish things...So, go slow and do one thing at a time.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Hello Sir, Greetings. What will be the expenditure for MD abroad, after doing MBBS in India.? Also please let me know which country is the best.? Kind regards Krishan

Ans: Hi Krishnan
The cost of pursuing an MD abroad after completing MBBS in India varies by country. In the USA, expenses can range from $200,000 to $300,000, including tuition and living costs. Germany offers affordable MD options with minimal tuition fees, though learning German is required. The UK has high tuition costs but offers globally respected programs; both the UK and Germany are popular due to their structured pathways for international graduates.

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Study Abroad Expert - Answered on Nov 07, 2024

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Sir,my daughter is in third year BTech in Bioengineering.She wants to pursue Masters in Bioinformatics but I am confused which country like USA ,Canada , Germany or Ireland should I opt for looking from job prospects.Kindpy suggest suitable country

Ans: Hi...For job prospects in bioinformatics, the USA and Canada are excellent choices due to their strong biotech industries and demand for bioinformatics professionals. Germany is also ideal, especially for affordable education and a growing job market in biotech. Ireland is a good option with its vibrant pharmaceutical sector, though job opportunities may be more limited than in North America.
You can visit us at www.shreeoverseaseducation.com

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Question by JABEZ - Oct 07, 2024Hindi

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Sir I'm studying my MBBS in Kyrgyzstan which country can I dom my PG

Ans: Hi Jabez
After completing your MBBS in Kyrgyzstan, popular options for pursuing a postgraduate (PG) degree include Germany, the United States, and the United Kingdom, each offering high-quality training with different entry requirements. Germany is affordable and has a strong medical education system, though learning German is essential. The U.S. requires passing the USMLE for residency, while the UK requires the PLAB exam and offers recognized, globally respected programs.
You can visit us at www.shreeoverseaseducation.com

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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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