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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Mar 28, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Raghu Question by Raghu on Mar 05, 2024Hindi
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Hi, I'm starting my investment in below MFs, I'm 36 years old. Can you provide inputs for the below funds. I can invest upto 125000/-. My goal is to accumulate 5cr corpus in 10years. Tata Small Cap - 14000/- Canara Robeco Small Cap - 12500/- Edelweiss Small Cap - 12500/- Mirae Asset Midcap Fund - 12500/- Motilal Oswal Midcap Fund- 12500/- Quant Active Fund - 25000/- Parikh Flexi Cap - 25000/- Mirae Asset Global X Artificial ETF - 11000/-

Ans: Knowing that you are making plans to reach your objective is constructive. After analyzing your current investment, you will have approx Rs 2.87 Cr in 10 years considering your monthly investment (SIPs) of Rs 1.25 Lakhs over 10 years.

While calculating above computation, we have taken the rate of return @12% p.a.
Your portfolio is more aligned towards small cap category. We suggest you to take some exposure towards Large Cap & Hybrid Fund categories too. Proper diversification helps the portfolio to generate & preserve the wealth in the long-term investment horizon.

For achieving the goal of Rs 5 Cr, we suggest you to increase your SIPs by Rs 95,000/- or invest the bulk (one time) Rs 70 Lakhs/-. You could also have a combination of the same and aim to increase your SIPs over the years as you get more financial ability to do so.

Note: We have assumed the monthly investment of Rs 1.25 Lakhs, while providing our recommendation.
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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SIR, I am investing 12000/-pm from April 23 , in following MFs. 1.Nippon India small cap @2000/- 2.Axis small cap fund direct growth @1000/- 3.SBI Magnum Mid cap@2000/- 4.Nippon india growth direct fund @1000/- 5.HDFC index S&P BSE sensex direct @2000/- 6.SBI Bluechip direct plan growth @2000/- 7.ICICI prudential bluechip @2000/- Plan for investment is 5 Yrs for a required wealth of 25 Lacs, please advice whether I am on right track.
Ans: Your investment plan seems diversified with allocations across different types of mutual funds, including small-cap, mid-cap, index funds, and large-cap funds. Here are some key points to consider:

Diversification: You have spread your investments across various categories, which can help reduce risk and enhance potential returns over the long term.

Investment Horizon: Investing for a period of 5 years is a good approach, but ensure that your investment horizon aligns with your financial goals. Since equity investments can be volatile in the short term, it's essential to stay invested for the long term to ride out market fluctuations.

Risk Assessment: Small-cap and mid-cap funds tend to be riskier than large-cap and index funds due to their higher volatility. Make sure you are comfortable with the risk level associated with these investments based on your risk tolerance and investment objectives.

Review and Adjust: Regularly review your portfolio's performance and make adjustments if needed. Consider rebalancing your portfolio periodically to maintain your desired asset allocation and risk level.

Professional Advice: If you're uncertain about your investment strategy or need personalized guidance, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Overall, your investment plan appears to be on the right track, but it's crucial to monitor your investments regularly and stay informed about market developments. Adjust your strategy as needed to stay on course towards achieving your wealth accumulation goal of 25 lakhs in 5 years.

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Nayagam P

Nayagam P P  |392 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

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Sir my son secured 2492 crl in jee advanced earlier he secured 99.6 percentile in mains what are the best options he should pursue
Ans: Manoj Sir, as he is Rank is good both in Main / Advanced, he can get in to any one of the top NITs or IITs depending upon his preferences for streams. However, please note, it will be slightly difficult to get high-in-demand streams like CSE, ECE, Mechanical (Core & Specialization for these Streams) with Top NITs / IITs. still he can try ECE / Mechanical etc. (or) CSE with 6th to 10th Top NITs/IITs. Please take into consideration Location & your Son's interest also. Whatever Institute / University & Branch your Son chooses, he should keep upgrading his skills from his 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Son’s Bright Future.

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Career Counsellor - Answered on Jun 17, 2024

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Sir, pls advise between 1. NIEIT, Aurangabad in Electronic system engineering Or 2. SMVD univ. Katra in Eand C OR 3. NIE Mysore in CSE?
Ans: Amit, decide on these factors (1) ECE is slightly difficult than CSE. If you decide for ECE, number of recruiters will be comparatively lesser than CSE. And if you still want to switch over to Software by your 3rd & 4th year (with additional Certifications in Software), some software companies prefer even ECE Students and you can get campus placement (2) Location preference (3) Prefer either CSE or ECE over Electronic System Engineering. Whatever Institute / University & Branch you choose, you should keep upgrading your skills from his 1st year itself till your Campus Placement during your last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students.

All The BEST for your Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Nayagam P

Nayagam P P  |392 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
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Hi sir, my son got 9323 rank in comedk and 23350 rank in KCET. As per last year cutoff he may get Mechanical seat in BMS or MSRIT. Please suggest which one is good for Mechanical engineering
Ans: Both are equally good for Mechanical. Some factors to keep in mind before choosing either college for your Son: (1) Location Preference (2) Will stay in Hostel (or) study as Day Scholar (3) Your affordability for fees (if there is a major difference in fees between these 2 colleges & (4) Availability of transport from your home to college. Whatever Institute / University & Branch your Son chooses, he should keep upgrading his skills from his 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Son’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
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I'm a girl from Jharkhand, I got 91.87%ile in jee mains, crl 1.22 lakh, category rank 40k. In which counselling program should I apply for and what colleges can I get at this rank? Is there any chance to get colleges through board %age as I got 95% in CBSE class XII
Ans: With your CBSE marks and Category Rank, you can try with any one of the top Private Colleges. And, try NIT Tier 2 Institutes. However, you have to compromise on the Stream or NIT Location you prefer. Whatever Institute / University / Branch / Domain you choose, keep upgrading your skills from 1st year itself till your Campus Placement during your last year, from LinkedIn, NPTEL, Coursera, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students, for jobs.

All The BEST for your Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad)’, please FOLLOW me in RediffGURU here.

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Asked by Anonymous - Jun 16, 2024Hindi
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My daughter scored 251 in BITSAT, and 25k in jee mains. She is getting mechanical and chemical in warangal nit. What should we do?
Ans: Order of Preference , keeping in view his Score / Ranks, for online counselling (1) BITS-Pilani for Mechanical | MSc (if she prefers) (2) NIT-Mechanical with Warrangal (2) BITS-Hyderabad (Electrical & Electronics | Electronics & Instrumentation | MSc Courses (3) BITS-Goa - (Mechanical | Electrical & Electronics | Electronics & Communication | Electronics & Instrumentation | MSc Courses). (4) NIT-Chemical with Warrangal. Before taking final decision to the most suitable option, please consider some important factors such as (1) Her interest for Stream & (2) Location Preference. Whatever Institute / University & Branch your Son chooses, she should keep upgrading her skills from his 1st year itself till his Campus Placement during her last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by her College Faculties, to be COMPETENT among other Students.

All The BEST for your Daughter’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Career Counsellor - Answered on Jun 17, 2024

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Hi,My son got sandip University nashik cse (AIMl) is it good college to go for his studies or else need to try another colleges in Bangalore??
Ans: Raju Sir, you have asked the need for Bengaluru Colleges. If your son has appeared for COMEDK or any other Private Colleges' its own entrance exams, better he tries through them. It depends upon your son's Rank / Score & the streams he prefers. Recommended before your son goes for Sandip University (if he has no other option, as time is very less now). Whatever Institute / University & Branch your Son chooses, he should keep upgrading his skills from his 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Son’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

Nayagam PP |
EduJob360 |
CERTIFIED Career Coach | Career Guru |
https://www.linkedin.com/in/edujob360/

...Read more

Nayagam P

Nayagam P P  |392 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

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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