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Gaurav

Gaurav Garg  | Answer  |Ask -

Answered on Dec 15, 2020

R Question by R on Dec 15, 2020Hindi
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Motilal Oswal has a plan under which Rs. 5L is to be deposited with them in demat and they will trade IN BLUECHIP FUNDS only and give the returns.

Is it a good investment?

Ans: Bluechip might be a good investment option for long term time horizon. However, I will suggest looking at the portfolio constituents in order to track its performance and be aware of where your money is going to be invested.

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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Ramalingam

Ramalingam Kalirajan  |7201 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

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Sir I hv invested 50k in icici bluechip fund 50k in Motilal oswal midcap fund and 50k in Quant small cap fund and I will keep investing 1.5 laks in these 3 funds for the next 12 years. Kindly review my investment and give suggestions if I need to make any changes.
Ans: Your investment approach demonstrates a diversified strategy across large-cap, mid-cap, and small-cap funds, which is commendable. However, it's crucial to assess the suitability of each fund in alignment with your risk tolerance, investment horizon, and financial goals.

Reviewing Your Portfolio:
ICICI Bluechip Fund:
Provides exposure to well-established, large-cap companies.
Offers stability and consistent returns over the long term.
Suitable for investors seeking capital preservation and moderate growth potential.
Motilal Oswal Midcap Fund:
Focuses on mid-sized companies with high growth potential.
May exhibit higher volatility but offers the opportunity for significant returns.
Ideal for investors with a higher risk appetite and a longer investment horizon.
Quant Small Cap Fund:
Targets investments in small-cap companies with growth potential.
Prone to higher volatility due to the nature of small-cap stocks.
Suitable for aggressive investors seeking potential high returns over the long term.
Suggestions for Consideration:
Portfolio Diversification:
Evaluate the overall risk exposure of your portfolio and consider rebalancing if needed.
Ensure adequate diversification across sectors and market caps to mitigate specific risks.
Regular Monitoring:
Stay informed about the performance of each fund and monitor their consistency in delivering returns.
Assess the fund manager's strategy and any changes in the fund's objectives or investment approach.
Consideration of Financial Goals:
Review your investment horizon and financial objectives periodically.
Ensure that your investment strategy aligns with your long-term goals and risk tolerance.
Seeking Professional Advice:
Consider consulting with a Certified Financial Planner for personalized guidance.
A CFP can assess your financial situation, evaluate your investment portfolio, and provide recommendations tailored to your specific needs and aspirations.
Conclusion:
Overall, your investment strategy demonstrates a thoughtful approach to wealth accumulation. However, it's essential to periodically review and adjust your portfolio to ensure alignment with your evolving financial goals and risk preferences.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Prof Suvasish

Prof Suvasish Mukhopadhyay  |227 Answers  |Ask -

Career Counsellor - Answered on Dec 04, 2024

Asked by Anonymous - Nov 24, 2024Hindi
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Career
My daughter Passed out 9.5gpa and was offered job with TCS and Tech Mahindra almost few weeks apart from each other in the month of July end 2024 and offer was given for TCS in July first week and Tch Mahendra in end July,but tech Mahindra followed up with Joining letter immediately,but my daughter choosed TCS it has been three months since but no Joining letter received,2weeks back was asked to attend an exam which she undertook ,why so much delay by TCS? Was it a wrong decision to let go off Tech Mahindra?Pls reply also suggest what to do now? should we wait or look out elsewhere?
Ans: Yes. Certainly it was a wrong decision. A bird in hand is worth than two birds in bush. She must have accepted the offer of Tech Mahindra, After selection why TCS is again taking test? This is not ethical. But now if she approaches Tech Mahindra probably she won't get a response. So try elsewhere. Mind that DECISION DECIDES DESTINY. If your decision is wrong you are bound to fail. So no more lamenting over the spilt milk. In future take correct decision. Secondly her GPA is too high. Many times organizations don't select very high GPA candidates, because their stability becomes a question mark. Due to very high GPA they never become satisfied with any job. They always think they are underpaid and deserve more. Please keep one thing in mind once you join a job your GPA becomes dead, then your performance will decide your future prospects. Just follow me. Best of luck to her. GOD BLESS HER. Professor................:)

...Read more

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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