Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on Nov 06, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Asked by Anonymous - Nov 01, 2023Hindi

Money

Namaste! I am 49 years old. Would wish to invest in a good profit bearing SIP. Request please suggest few names with High and Medium risk.

Ans: 15 SIP #stocks for 10 to 15 year horizon:

Bank: Kotak
Home Fin: HDFC Ltd
InfoTech : TCS
NBFC: Bajaj Fin
FMCG: Nestle
Paints: Asian Paints
Retail: D-Mart
Chem: SRF
Engg: Honeywell
Jewellery: Titan
Pharma: Divis
Hospitals : HCG
Agrochem: PI Ind
Motors: Tata Mot
Biofuel : Praj Ind

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.

MoneyReply

You may like to see similar questions and answers below

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Mar 06, 2023

Question by Debanshu - Mar 06, 2023Hindi

Money

Sir I am 47 Years old and want to invest in SIP for next 10 years. Current investment in SIPS 21000/m. (largecap 11000,Midcap 3000,smallcap 3000 , hybrid 4000). Want to add rs 5000/- more.Kindly suggest some good SIPs .

Ans: Hello Debanshu. You may consider midcap, small cap and flexicap categories for your sip additions/increase based on your age and investment time horizon.

Jinal Mehta |60 Answers |Ask -Follow

Financial Planner - Answered on Feb 10, 2024

Question by veer - Jul 20, 2023Hindi

Money

which are best SIP to invest for decent returns and calculated risk

Ans: You can start sip in large caps or mid caps for decent returns and calculated risk

Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on Jan 18, 2024

Question by Deepak - Dec 12, 2023Hindi

Money

I am 45, I want to commit Rs.15,000 per month for SIPs. Please suggest the ones that gives better returns presuming I can invest until the age of 60.

Ans: do a good large cap mutual fund SIP. keep adding to the value if you have more funds

Ramalingam Kalirajan |1840 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Question by Manoj - Mar 04, 2024Hindi

Money

I am willing to invest INR 12500 in SIP for next 10 to 15 years. Kindly advise for best SIP for good return.

Ans: investing in SIPs (Systematic Investment Plans) is a smart way to build wealth over the long term. With a time horizon of 10 to 15 years, you have the opportunity to benefit from the power of compounding and potentially higher returns from equity investments. Here's a suggestion for a diversified SIP portfolio:

Large Cap Fund: Allocate a significant portion of your SIP amount to a large-cap fund. These funds invest in established companies with a proven track record and offer stability to your portfolio.
Flexi Cap Fund: Opt for a flexi-cap fund that provides the flexibility to invest across companies of various market capitalizations based on market conditions. This offers exposure to both large, mid, and small-cap segments, enhancing diversification.
Mid Cap Fund: Allocate a portion of your SIP to a mid-cap fund, focusing on companies with medium market capitalization. Mid-cap companies have the potential for significant growth, providing an opportunity for higher returns over the long term.
Small Cap Fund (Optional): Depending on your risk appetite, you may consider including a small-cap fund in your portfolio. These funds invest in smaller companies with the potential for rapid growth, albeit with higher volatility.
By focusing on large-cap, flexi-cap, and mid-cap funds, you create a well-diversified SIP portfolio that balances stability with growth potential. Before finalizing your investment decisions, assess your risk tolerance and consult with a Certified Financial Planner to ensure your portfolio aligns with your long-term financial goals. Remember to stay disciplined and review your portfolio periodically to make any necessary adjustments.

Latest Questions

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by Babita - Apr 25, 2024Hindi

Career

Hello Sir I am name is Babita Garg.I am 38 yrs old .I am MBA with finance and marketing.I was a senior branch manger in HDFC Bank .I have banking experience of 15 yr with salary of Rs 1 lac .But due to death of my mother in law ,I have left my job before 7 months for take care of my kids and family. Now I want to do some online business flexible which I can manage as per my time availability.Can you help me some online business,so that I can earn handsome amount?

Ans: I suggest that you look at the option of getting back Banking industry to best use your experience. And engage one or more helping hands to look after children, handle kitchen etc. Online business with casual working hours at home are not likey to bring the same results as working in an office.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by Upendra - Apr 25, 2024Hindi

Career

Sir i am working in construction compony as supervisor i want switch my job in desinging field in mechanical

Ans: Looking for opportunities Mechanical Engineering Design field is a good idea. Do pursue with commitment, passion and single minded focus. And success will come your way. Also look at acquiring project management skills to explore a range of opportunities.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by Sharique - Apr 25, 2024Hindi

Career

Sir , i have completed my Mechanical engineering in 2012 and working in different domain since long back but i am interested in Mechanical Engineering design and lecturer. Its huge gap in my education is it possible that what my dream can be true ?

Ans: Mechanical Engineering is a foundational engineering discipline that lends itself to use of new tools and technologies through use of software in manufacturing. Looking for design and other aspects is a good idea for you to pursue. Also look at acquiring project management skills and explore opportunities with optimism and passion.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by Akshay - Apr 26, 2024Hindi

Career

I am a 2018 Mechanical Engineer. I was employed as a design engineer till Jan 2023. Then I took a gap to prepare for Gov exams due to less salary. After taking conscious decision that I could not crack the competition, I am now looking forward for jobs in mechanical or otherwise. Also, I am preparing for Java fullstack developer course. Kindly suggest what should I do further ? my current age is 29

Ans: Am glad that your are now focused on Mechanical Engineering as this a foundational engineering discipline and lends itself to use of new tools and technologies through use of software in manufacturing. Look at acquiring project management skills and explore opportunities with optimism and passion.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Asked by Anonymous - Apr 14, 2024Hindi

Career

hello sir, i am a civil engineer and passed out in 2019, i was preparing for ssc je and not able to clear the exam yet , i dont want to do private job due to more then 12 hours working and no sunday off in construction line, and very harsh condition, i am having a great gap after my engineering, i am very confused what should i do, should i continue my preparation with more dedication and hard work or should i join those private job which i really hated. i am really depressed right now, my parents are also very concern about my career, i really dont know what to do.

Ans: I can understand the peculiar situation that you are going through. My advice is to get over all the negativity and adopt positivity as a way of work and life. As a young man don't shy away from hard work, private jobs offer great challenges and rewards. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look at acquiring project management skills and explore opportunities with optimism and passion.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Asked by Anonymous - Apr 27, 2024Hindi

Career

Hi i completed my btech in civil engineering in 2012 and masters in2014 initially I was working in teaching field upto 2017 every thing went on well due to delay in salary ishifted job to site engineer till now I'm facing lot of problems in my job weither be my mistake of pressure from superiors I'married and have a kid im willing to change job but couldn't change because of job unavailability I m will to go software filed what should I do im not able to understand pls help

Ans: it is easy natural for many of us to get disheartened but the success comes to those who keep trying optimistically at life as a glass half full. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look that gaining software skills used in Civil Engg field to add value to your current job. Look at acquiring project management skills and explore opportunities with optimism and passion.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by Kamble - Apr 27, 2024Hindi

Career

Sir i am a civil engineer graduate 2023 i did my graduation in civil engineering from a tire 2 -3 college from mumbai university . I didn’t get any job its not like that i am dum student or else i was not good at studies u definitely found partility that in civil they took all diploma + degree holders with less knowledge also in companies such a worley , godrej , technimont etc mnc companies with salary of 6-7 lpa but sir i was scattered because i lost my dad in covid my mom is working but her salary is just 50k and now after trying out for jobs as fresher i found a job in IIT bombay as project technical assistant which gives me 30k but its in ocean department. Now i want to learn further i am seeing people doing masters from priavte university like nicmar adani symbiosis etc in construction or infrastructure management. I am stuck jn life what to do im trying for government but i know government junior engineers job wont pay me much to buy home for my mom . In such case what will be best please help

Ans: I fully empathize with your situation. Do focus on the positive of having completed BTech in Civil Engineering. Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Use your current Tech Asstt job to learn about Oceanography as an added skills. Look at acquiring project management skills and explore opportunities with optimism and passion.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by raajiv - May 08, 2024Hindi

Career

Hello Sir, My Son did his M.Tech in civil engineering in 2021 with the hope that its scope is very good in the market but when joined some highway construction company, he found that Salaries are very fewer in comparison to what other sectors are paying.He is just getting 5.75 L p.a. after 3.5 years experience. Because of this he is very upset and want to move in some other sector so that he can earn some salary. can you please suggest something in line what he is expecting ? Raajiv Garg

Ans: Civil Engineering is the foundational engineering discipline and lends itself to use of new tools and technologies through use of of software to build structures using design elements that use newer materials to build infrastructure, homes, industrial townships that further sustainability. Look at acquiring project management skills and explore opportunities with optimism and passion.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Question by Suguna - Apr 29, 2024Hindi

Career

Hi,am Suguna Athivaram 36 yrs old as house wife I done my Postgraduate (M.TECH) in 2016 ...can you please suggest me can i get job in IT industry .. Thanks in advance

Ans: Sugana, IT companies are happy to bring on their rolls qualified women. Am assuming your M Tech degree is in IT areas. Brush up your knowledge and pick up new skills so that you can add value to the company and achieve job satisfaction.

Chocko Valliappa |215 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on May 09, 2024

Asked by Anonymous - May 08, 2024Hindi

Career

I am a B.A(Bachelors of arts ) Students but I have interested in cyber security now I'm doing diploma in cyber security. it is good for opportunitiesin future.

Ans: Of course Cybersecurity is gaining significant importance at individual, corporate, government all over the global. This presents opportunities for individuals like you. Put in your best effort, work hard with sincerity and success would come your way.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x