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Abhishek

Abhishek Dev  | Answer  |Ask -

Financial Planner - Answered on Aug 04, 2023

Abhishek Dev is the co-founder and CEO of the financial planning company, Epsilon Money Mart.
A management graduate, he has over 21 years of experience in asset and wealth management.
He has been associated with reputed companies like HSBC GAM (India, south east Asia), PGIM, AMC, AMEX Bank, HDFC AMC and UTI in various roles, including leading business management, sales, marketing, product development and as a board member.... more
Neeraj Question by Neeraj on Jun 08, 2023Hindi
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Dear Sir, I am Neeraj gupta. I do request you to please guide about Samco Active Momentum Fund NFO ( comming from June 15 -29, 2023. Shall I invest Lumpsum 5 Lakh in this NFO ? I learnt that SAMCO is not allowing any investment or SIP after closing on June 29,2023.

Ans: We are in a structural bull market today with strong economic cues. At such times, price is the king, hence momentum investing is the talk of the town. What we would ask you to analyze before investing is whether this fund suits your risk profile and help you reach your goals. This is the first fund wherein momentum investing will be followed actively, therefore, the idea certainly is new. However, fresh investments are not allowed because the fund manager himself accepts that deploying a lot of money in few investible ideas can be a problem.
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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Hi Gurus , Finally last month I have started my investment in MF thru sip in following funds *Hdfc mid cap direct 4k* *tata small direct 4k* *Sbi bluechip direct4k* *Paragh flexi direct 4k* I did all sip through grow app I will wait next 15- 20years is this good any suggestions
Ans: Investing in mutual funds is a step in the right direction. Your portfolio showcases diversity and long-term focus. A 15–20-year horizon is excellent for wealth creation. Let’s review and refine your strategy.

Portfolio Review
Mid-Cap Funds
Mid-cap funds offer a mix of growth and risk. They outperform large-caps over the long term.

Small-Cap Funds
Small-cap funds are ideal for aggressive growth. However, they are more volatile.

Large-Cap Funds
Large-cap funds provide stability in your portfolio. They act as a cushion during downturns.

Flexi-Cap Funds
Flexi-cap funds are versatile. They allocate dynamically across market capitalisations.

Disadvantages of Direct Funds
While direct funds save commission costs, they require constant monitoring.

Professional Expertise Lacking
A Certified Financial Planner (CFP) ensures a well-structured portfolio.

Market Timing Risk
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Portfolio Review
Regular funds offer continuous reviews by professionals.

Holistic Financial Guidance
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Suggestions for Improvement
Your portfolio is good but can be fine-tuned for better results.

Diversification Across Categories
Add a hybrid or balanced fund to reduce risk.

Sectoral Funds
If confident, allocate a small portion to sectoral funds.

Avoid Overlapping Funds
Check for duplication of holdings in existing funds.

Taxation Impact
New taxation rules make tax-efficient investing important.

Equity Funds
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Staying invested reduces the impact of market fluctuations.

Goal-Oriented Investing
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Actionable Steps
Consolidate Portfolio
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Reinvest in Underperformers
Switch funds only if underperformance persists for 2–3 years.

Consider Professional Advice
Switch from direct to regular funds for expert guidance.

Final Insights
Your SIP strategy is on the right track. Small adjustments can optimise it further. Focus on professional advice and consistent reviews to maximise returns.

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NEET, Medical, Pharmacy Careers - Answered on Feb 05, 2025

Asked by Anonymous - Jan 31, 2025Hindi
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My child will be appearing for NEET UG 2025 for the fourth time. Each time his performance has been abysmal, which, I know, is going to be repeated this year too. We have already asked him to move ahead but he is adamant on appearing in NEET which is beyond his calibre. He doesn't have any idea what to do next, has never thought of a Plan B,C or D. Kindly guide as to how plan a career ahead for him. Is there any sort of psychoanalysis to know what is the right study option for him and where to get it done. I can't afford crores of rupees in pvt. medical colleges/abroad .I can take professional assisstance . Kindly give me contact number/ email ID. Thanks.
Ans: Hi Sir,

Don't worry. First, it's important to counsel him.

The health sector is a promising field, which is why I believe your son is so determined to appear for the NEET exam, even though this will be his fourth attempt. It’s natural for him to feel a bit worried. I think he needs to reflect on why he hasn't been able to succeed so far. It's crucial for him to analyze where the problems lie. For example, if he's struggling with chemistry, he should focus more on that subject, as well as the others he finds challenging.

He has a lot of homework to do, including taking mock tests and learning effective strategies rather than just simple ideas.

I have one question: Has he enrolled in any study or coaching center for NEET preparation? If so, it would be beneficial to discuss ways to improve his performance.
If he has prepared himself, kindly approach the best coaching center near your area. For more information about us, you can contact the admin.

Poocho. Life Change Karo!

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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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