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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 15, 2022

Mutual Fund Expert... more
Bidisha Question by Bidisha on Feb 15, 2022Hindi
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Money

I'm a 40 year old professional. I've shortlisted below mentioned funds for investment. My target is to build a corpus of 2 crores in next 20 years. How much should be my monthly SIP amount?

  • ICICI Prudential Thematic Advantage Fund (FOF) - Growth
  • ICICI Prudential US Bluechip equity fund growth 
  • MIRAE ASSET EMERGING BLUECHIP FUND - REGULAR PLAN GROWTH OPTION
  • UTI FLEXICAP-GROWTH
  • AXIS FOCUSED 25 FUND - GROWTH
  • HDFC Retrmnt Savings Equity Reg

Ans: Rs. 18000 per month @13% should be sufficient to achieve the Rs. 2 crs target in 20 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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Hello Sir, I am a 42 year old businessman. I want to accumulate an amount of 12 crore in the next 20 years. I am investing an amount of 70,000 every month through SIP for the past 6 months. Following are the SIPs 1. Kotak Emerging Equity Fund- 10,000 2.ICICI Pru Blue Chip Fund- 10,000 3. ICICI Pru Value Discovery Fund- 10,000 4. Axis Small Cap Fund- 10,000 5. HDFC Retirement Savings Fund- 10,000 6.Nippon India Small Cap Fund- 10,000 7.Mirae Asset Emerging Blue Chip Fund-10,000 Kindly advise whether my fund selections are good enough to generate the desired corpus of 12 crore in the next 20 years. Also advise the monthly investment amount to generate the said corpus. Name- Mr. D.Kashyap.
Ans: Hello, you can plan to achieve 12crs in 20yrs with an sip 1.2L assuming the average returns of your portfolio is 12%.
The funds selected are as per your research.
Since the money is to be invested for 20 years i would like to give the following suggestion :
30% mid cap
30% small cap
10% value fund
15% large and mid
15% thematic ( can be consumption , IT , etc )

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.
Remember that past performance is not a guarantee for future returns, and it's always important to review your investments periodically to ensure they remain aligned with your financial objectives.

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Marriage counsellor - Answered on Feb 26, 2025

Asked by Anonymous - Jan 18, 2025Hindi
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I am in a relationship from past 2 yrs with a guy from the same caste. Initially when we just talked he asked me directly for marriage but only if our kundali matches. He asked me if I trust on kundali. I answered yes bcz I wasn't in love with him then. He told he too trusts on kundali. Months passed and once he proposed me I too accepted bcz till then we really liked each other. After 1.5 yrs his mother contacted my mother for marriage proposal. Our mothers didn't know anything about our relationship, they both know each other. I asked him that we should tell our parents about us. He said let them do as per they want when time comes we will tell them. I agreed upon this but our kundali didn't match so I told him that we should tell now. But now he is saying that the kundali isn't matching we can't marry. He's been very caring, understanding towards me. Also he tells me that the kundali is not matching something bad can happen so this marriage can't happen. Otherwise why would he reject a girl he loves. I really cannot cope with this. I'm crying day n night but he tells me that there's no use of crying breakup happens in everyone's life, we can keep the relationship till any of us get married after that we'll stay friends. I'm with u always. These lines of him are tearing me apart bcz I haven't seen him being this much practical, or he really doesn't care about me, about our relationship.
Ans: Hello mam,
I am sorry that you have to go through all this stuff. I do understand that in India, it is difficult to go along with auch kind of stuff. If the person whom you want to marry is not ready to take stand for you and go against the kundali system, then there is no fun in crying for him or waiting for him. Love relationships are always two sided. Now if he feela that break up is a normal thing for him, then I would suggest you that you should also move on. There is no compulsion that you think of marriage right now but rather you should go ahead with your studies and carrer. At the right time, you will find your right partner.
I hope this helps. Plz write to me regarding your education and what do you want to pursue further?
Waiting for your reply.
Take care
Regards
Dr Upneet kaur
Reach me: https://www.instagram.com/dr_upneet

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I am 46 years old male married for the fast 17 years. I have one son. My wife loves me very much. She is highly posessive about me since our marriage. I fell in love with my collegue who is a widower and 25 years of age with a daughter. She only started communicating and talking to me a lot. I was not having any kind of feelings towards her as I was overloaded with work. I got transferred to other place. There work pressure is not there. Now, I am in love with that widower. I told this to my wife also. She was shocked. After hue and cry, now my wife is back to normal and warned me to stay away from that girl.But I am not able to forget that girl. I called her over phone four to five times for a couple of times. It seems, now that girl is not interested in me. When I was with her, I never confessed that I love her. Now when I got transferred, i am keeping whats app messages which are visible only to her. I dont know whether she is not understanding this one, she is not responding. I dont want to cheat my wife and at the same time not able to forget that girl also. Please suggest me what to do.
Ans: Hello sir,
This is actually mid life crisis that you are going through, because of which you think you are having feelings for your colleague. Now that you have been transferred to a new place wirh new surroundings, take this as an opportunity to build new healthy relationships around you. You should start giving more quality time to your wife. She has given you a second chance. You should take it well and forget about your past as your colleague has also moved on now. I hope this will help you with your problem.
Take care
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https://www.instagram.com/dr_upneet

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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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