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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Aug 08, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by P on Jun 12, 2023Hindi

Money

Pl tell whether I will continue my SIP of Rs 5000/- pm in Mirae Asset Focused Fund for 10 years.

Ans: Hello Value Investor. It is generally suggested to have well diversified portfolio. In regards to your concern, to continue SIP of Rs 5000/- pm in Mirae Asset Focused Fund for 10 years. Do reconsider your investment.

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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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Apr 19, 2023

Question by rahul - Mar 06, 2023Hindi

Money

i have sip of Rs 5000/-in icici technology fund. do I continue the same for next 10 years?

Ans: Hello Rahul .ICICI Technology Fund is a sectoral IT Fund. This category has an 8-year time horizon and an aggressive risk appetite. Since the IT market has been extremely volatile over the last 1.5 years, it has had a direct impact on your investments. To answer your question, should the scheme be kept to continue? It entirely depends on your risk appetite.

Hold the scheme if your time horizon is > 10 years
Ideally, your sectoral fund exposure should not be more than 10-15% of your total portfolio.

Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on May 23, 2023

Question by DEBASISH - May 02, 2023Hindi

Money

I am investing Rs 2500 everymonth in SIP of SBI MF like Bluechip, Banking and financial, gold fund and sbi equity savings with a target for 20 years . Completed 4 years. Shall I continue?

Ans: Hello Debasish. Your portfolio report sounds good. I can see that 100% of the investments are in SBI AMC. Hence, will suggest AMC-wise bifurcation for future investment. You can reshuffle the current SIPs or start investing in AMCs like ICICI Pru, Nippon, Parag Parikh, etc. AMC diversification is also required in your portfolio.

Samraat Jadhav |2126 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 22, 2024

Asked by Anonymous - Apr 17, 2024Hindi

Money

GE I am having SIP Rs.2000/- on MOTILAL OSWAL Mid cap funfd growth 5 yrs invested till date is it good to continue

Ans: for next 10yrs its good

Vivek Shah | Answer |Ask -Follow

Financial Planner - Answered on Apr 19, 2024

Question by Vaibhav - Apr 19, 2024Hindi

Money

Hello sir, I have started SIP in motilal oswal Nasdaq 100 of 100 fund since last 6 months. Should I continue with this?

Ans: Hello Vaibhav,

Firstly, it's essential to assess your investment goals, risk tolerance, and the suitability of the investment in your portfolio. The Motilal Oswal Nasdaq 100 Fund offers exposure to some of the largest and most innovative companies listed on the Nasdaq Stock Market, providing an opportunity for diversification and potential growth.

Considering you've been investing in the fund for the past six months, it's a good start to evaluate its performance against your expectations and the broader market trends. While short-term fluctuations are common in the stock market, analyzing the fund's performance relative to its benchmark index and peers can offer valuable insights.

Additionally, review the fund's investment strategy, portfolio composition, and expense ratio to ensure they align with your investment objectives and risk profile. Regular monitoring of your investments is crucial to adapt to changing market conditions and make necessary adjustments to your portfolio.

Ultimately, the decision to continue with your SIP in the Motilal Oswal Nasdaq 100 Fund should be based on your long-term financial goals, investment horizon, and comfort level with market volatility. If the fund continues to meet your expectations and remains in line with your investment strategy, it may be prudent to stay invested.

However, if you have concerns about the fund's performance, changes in your financial situation, or shifts in your investment objectives, it's advisable to reassess your investment strategy and consult with a qualified financial advisor to explore alternative options.

Remember, investing is a journey that requires careful planning, patience, and periodic review. I encourage you to stay informed, stay focused on your goals, and make decisions that align with your financial aspirations.

Latest Questions

Harsh Bharwani |67 Answers |Ask -Follow

Entrepreneurship Expert - Answered on Dec 20, 2024

Question by Gudipati - Oct 04, 2024Hindi

Career

Guideand roadmap of AI career for beginners

Ans: Pursuing a career in Artificial Intelligence (AI) is a great decision, as the field has immense growth potential and can transform various industries. AI is reshaping sectors like healthcare, finance, automotive and retail, making it an extremely sought-after skill in today's job market. According to industry reports, the global AI market is projected to grow at a compound annual growth rate (CAGR) of over 30%, with the demand for AI professionals expected to grow by more than 40% in the next decade.

With AI expanding rapidly, the demand for skilled professionals is growing faster than the supply. Roles like AI engineer, machine learning engineer, data scientist and NLP specialist are not only in high demand across industries, they are also offering competitive salaries and advancement opportunities. These roles are crucial for building intelligent systems that improve business efficiency, enhance user experience and solve complex problems.

As an AI professional, you'll have the chance to work on cutting-edge technologies such as natural language processing (for creating chatbots and virtual assistants), computer vision (for image recognition and autonomous vehicles), and deep learning models (for voice recognition and predictive analytics). The skills you develop in this field will enable you to contribute to groundbreaking innovations and have a positive impact on society.

The career path typically begins with building a strong foundation in programming, especially Python, and mathematics, including linear algebra and statistics. Once you've mastered these basics, you can explore specializations such as machine learning, deep learning, and computer vision or NLP. Continuous learning is essential because AI is constantly evolving, so you'll need to stay updated on the latest research and techniques.

The future scope of AI is vast, covering sectors such as healthcare (personalised medicine, predictive diagnostics), finance (fraud detection, algorithmic trading) and manufacturing (automation, smart systems). Additionally, if you are interested in developing an AI-powered product or startup, AI offers ample opportunities for entrepreneurship.

Job growth in AI is fueled by the increasing adoption of AI technologies in small and large business operations and everyday applications. Companies are leveraging AI for automation, predictive analytics, customer insights, and intelligent systems. Key industries such as healthcare use AI for predictive diagnostics and personalized treatment plans, while finance relies on AI for fraud detection and algorithmic trading. In manufacturing, AI drives automation and smart systems, significantly enhancing efficiency and productivity.

Ultimately, a career in AI not only offers future-secure employment but also the chance to contribute to the transformational technologies that define the modern world. It is a field where constant innovation means there is always something new to learn and create, providing long-term growth and satisfaction.

Ravi Mittal |472 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 20, 2024

Asked by Anonymous - Dec 20, 2024Hindi

Relationship

I am in a serious relationship with a gujarati man, I’m non Indian, slightly younger than him but I have a kid (toddler), and I’m divorced. He keeps saying that his parents will understand but we have been together for more than a year (1 year and 2 months) and he still hasn’t shared to his parents anything about me at all. While my parents knowing and have even talked with him. He also sometimes says things like “ I don’t want any of this to change (our relationship)” or “I want to be with you”, but also says “whatever happens to us in the future whether we end up together or not, I’ll always be your friend” or “whatever the future looks like with us, I’ll never stop talking with you”, which makes me think he is insecure about our future... I want a serious relationship but I absolutely understand why it’s hard for me to find someone due to my circumstances. I get it. I have been depressed just thinking about it (divorced, with a kid, feeling no man will like me). I earn pretty well so I am very independent financially and I’m not struggling at all (just adding a bit more context), and I’m doing well in my career but I have fallen in love with this guy and I feel my heart will break once he dumps me after telling his parents (his family means a lot to him, something I truly respect).

Ans: Dear Anonymous,
I understand your concerns and they are absolutely valid. Have you communicated these worries with your partner? I mean, does he know how much this is bothering you? If not, I would suggest you start there. Open up to him. Let him know that his not telling his parents about you raises a lot of questions in your mind. He should understand that you are a person with dreams and desires and also a mom with responsibilities. If his intentions are to continue dating you, and that is not what you want, he should clear it out right now, before it's too late. It's important for couples to be on the same page when it comes to relationship goals.

Talk to him. I am sure you will get a lot of clarity.

Best Wishes.

Harsh Bharwani |67 Answers |Ask -Follow

Entrepreneurship Expert - Answered on Dec 20, 2024

Question by Life - Sep 10, 2024Hindi

Career

how to set up diabetes clinic

Ans: Setting up a diabetes clinic is a profitable initiative that meets the growing need for specialized healthcare and also offers sustainable business prospects. The process begins with clearly defining the clinic's focus. The clinic should offer a range of services such as blood sugar level monitoring, HbA1c testing, nutrition and lifestyle counselling, diabetes education, and insulin therapy. These services ensure comprehensive care and attract patients looking for specialized diabetes management.

Choosing the right location is equally important. The clinic should be located in an easily accessible area that is easy for patients to find, such as a residential neighbourhood, a busy market or near a hospital. The premises should have enough space for a consulting room, a diagnostic lab equipped with a glucometer, an HbA1c analyzer, a pharmacy and a comfortable waiting area.

It is important to obtain the necessary licenses and approvals from a legal and regulatory point of view. These include clinic registration with the local municipal body, a business license, and compliance with the Clinical Establishment Act (if applicable in your state). Additional certifications are mandatory for staff such as doctors, lab technicians, and dieticians. Tax registrations such as PAN and GST are also required for the clinic's financial operations.

Building a skilled team is the backbone of a successful diabetes clinic. Hire experienced diabetes specialists or endocrinologists to lead medical services. Certified nutritionists, diabetes educators, laboratory technicians and nurses can support care delivery.
Investing in infrastructure and equipment is a crucial step. The clinic should have diagnostic equipment for glucose monitoring, lipid profile tests, and HbA1c testing. Additionally, setting up a small pharmacy to provide diabetes-related supplies such as insulin, glucose strips, and medicines can add convenience to patients without the need to go out to the pharmacy to buy medicines. The total investment usually ranges from ?10 to ?15 lakh, depending on the size of the clinic.

Collaborating with local diagnostic labs, pharmacies, and hospitals can help you expand your range of services. Marketing is equally important; health camps, social media awareness campaigns, and educational workshops on managing diabetes can help build your clinic's reputation. For example, offering free blood sugar tests in local areas or hosting diet-focused workshops can attract beginners and create awareness about the clinic's services near your locations.

Finally, ensure compliance with ethical and medical guidelines by maintaining a detailed database of patient records and regularly auditing services. Adopting a patient-centric approach and continuously improving the quality of care will help establish trust and ensure the long-term success of the clinic. By focusing on these aspects, you can create a clinic that not only meets an essential healthcare need but also generates steady revenue growth.

Kanchan Rai |443 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 20, 2024

Asked by Anonymous - Dec 20, 2024Hindi

Relationship

Being 21 and living in Jaipur, I’ve faced my share of challenges, but recently, things have been hitting harder than usual. I was born with a physical disability that affects my mobility, and I’ve learned to adapt to life in my own way. But the comments from some of my neighbors have been getting to me—they call me names, make jokes about my condition, and talk about how I’ll never be ‘normal.’ I try to ignore them, but it’s hard not to feel the weight of their words. It’s affecting my confidence and making me question if I’ll ever be seen as more than my disability. My parents tell me to just stay strong and focus on my studies, but it’s easier said than done. How do I handle these negative comments and not let them affect my mental health? And how can I build resilience to face such judgment without losing hope in myself?

Ans: Building resilience in the face of such negativity begins with nurturing your sense of self. You are not defined by the labels or judgments others place on you. You are defined by your courage, your determination, and the unique qualities that make you who you are. When others make hurtful comments, it often says more about them than it does about you. Their inability to see your humanity reflects their own insecurities and lack of understanding, not your value.

When their words weigh heavily on you, try to create a mental space where you remind yourself of the truth about who you are. Think about the strengths and accomplishments that make you proud, no matter how small they may seem. Surround yourself, even mentally, with people and experiences that uplift you. It could be friends, family, or even inspirational stories of people who have faced challenges and risen above them.

Processing these emotions is just as important as building strength. When you feel overwhelmed, give yourself permission to feel the sadness or anger. Journaling, talking to someone you trust, or even finding a quiet moment to breathe deeply can help you release these emotions. Remember, you don’t have to suppress your feelings to be strong—you build strength by confronting and honoring them.

To preserve your mental health, find activities that bring you joy and fulfillment. Whether it’s pursuing a hobby, excelling in your studies, or connecting with like-minded individuals, doing things that matter to you can reinforce your sense of purpose and identity beyond the limitations others might try to impose on you.

Most importantly, recognize that your journey is unique and valuable. Everyone faces struggles, but you are navigating yours with a spirit that many could never match. Over time, you will find that your resilience becomes a quiet strength, one that can’t be shaken by outside negativity.

Hold onto hope, because your life is full of possibilities. You deserve to be loved, respected, and celebrated for the person you are. When people don’t see that, it’s not your responsibility to change them—but you can protect your inner light and let it shine brighter than their darkness. You are enough, just as you are.

Harsh Bharwani |67 Answers |Ask -Follow

Entrepreneurship Expert - Answered on Dec 20, 2024

Question by Ramakant - Oct 20, 2024Hindi

Career

my son has completed bba from Bangalore. I can invest around 15 lakhs and iam based in cochin . could u suggest some start up idea ramakant garg

Ans: Since your son has completed his BBA from Bangalore, it is important to align the startup idea with his interests and skills. Start by discussing whether he is interested in pursuing business or further studies. If he is excited to start a venture, his BBA background puts him in a good position for management roles, while Cochin offers opportunities in growing sectors like IT, tourism, and sustainability. Here are some startup ideas that focus on future growth and revenue potential:

First: IT Services or Digital Marketing Agency
If your son is tech-savvy and he is interested in the IT sector, so starting a digital marketing agency or IT services company could be a great choice. Because Cochin has a growing market of small enterprises and medium businesses seeking online visibility through media. You can offer services like social media management, branding, website development and paid marketing. With minimal infrastructure costs and the potential to scale, this business can deliver steady revenue growth.

Second: Eco-Friendly Product Store
With growing awareness about sustainability, a business focused on eco-friendly products such as biodegradable tableware, reusable bags or organic skincare products can be profitable. Cochin residents and tourists alike show a growing preference for sustainable options. This business combines ethical impact with financial potential.

Third: Tourism and Hospitality Services
Given Cochin's appeal as a tourist destination, tourism businesses offering curated travel experiences such as heritage tours, houseboat rentals or adventure packages could flourish even more. This industry has strong revenue potential and scope for expansion, especially with creative offerings.

Fourth: Franchise Business
Investing in a franchise in sectors such as food and beverage, education institutions or wholesale/retail offers the benefit of an established business model. For example, partnering with a recognised brand in education technology or quick-service restaurants can lead to steady growth with low risk.

Fifth: Co-Working Space
If your son is interested in real estate and the workspace sector, starting a co-working space could be a promising venture. With Cochin becoming a startup hub, demand for flexible office spaces is on the rise. This business can provide consistent revenue through memberships.

Before finalizing any idea, conduct a market analysis to identify gaps in the local market. Your son’s active involvement will not only ensure the business aligns with his passion but will also help in building a sustainable venture for long-term growth and success.

Mihir Tanna |977 Answers |Ask -Follow

Tax Expert - Answered on Dec 20, 2024

Question by Prabha - Dec 19, 2024Hindi

Money

Hi Sir, I'm Prabha. Recently my father received mesage from IT dept stating that you have high value transaction made during thr year. When we checked the AIS, it is showing interest amount for 73 lines which we donot have that account number. But in FY 23-24 we received maturity amount proceeds from KVP and NSC. KVP tenure was 10 years and NSC is 5 years. I assume the interest showing is cumulative for the past years. We have not filed return till previous year since my Father's income is under threshold including interest. Should we pay tax now for the entire amount which comes big value for us. We invested senior citizen scheme and This interest is the only source of income for us. Now they are asking for half of the interest we earn per year. Please advise sir

Ans: Kindly get it confirmed that income is below threshold limit to make sure that he was not required to file ITR. Last date to file belated ITR for FY 23-24 is 31.12.2024

With reference to interest amount, as per my experience amount is usually reported by post office/Bank on accrual basis and not on receipt basis. Check correctness of interest appearing in AIS and provide feedback that whether information is incorrect/pertaining to other year etc

Samraat Jadhav |2126 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 20, 2024

Question by VEDANTAM - Dec 20, 2024Hindi

Money

What is the outlook for Pidilite Ind in both short & long terms, as many stock their shares?

Ans: for short term it can go down to 2215 due to following reasons:
Promoter decreasing their shareholding
PE higher than Industry PE
Degrowth in Revenue, Profits and Operating Profit Margin in recent results (QoQ)
Increasing Trend in Non-Core Income

if you are considering it for 10yrs then its a good company but buy in tranches which will help you in cost averaging.

Samraat Jadhav |2126 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 20, 2024

Question by VEDANTAM - Dec 20, 2024Hindi

Money

When other Car manufacturers like Maruti is doing well, why noy Hyundai not faring that good in Stock Mkt?

Ans: its overvalued in terms of price

Prof Suvasish Mukhopadhyay |258 Answers |Ask -Follow

Career Counsellor - Answered on Dec 20, 2024

Question by Raju - Dec 20, 2024Hindi

Career

Sir,My son is in last year BSc chemistry, now he wants to change his stream to IT, Certificate course in minor computer science at IIT mandi and then certificate course in cloud computing at IIT will going to help him to get the good job in IT sector or is there any other way to enter into IT sector from non IT background.. Please advice sir

Ans: I think I answered the same question asked to me anonymously. Yes, he is correct. Only certificate course can help him. Best of luck. Just follow me. May God Bless You. Professor..............................................:)

Dr Nandita Palshetkar |32 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 20, 2024

Asked by Anonymous - Dec 13, 2024Hindi

Health

Dr Aarti Bakshi Ji, Good Afternoon. I have daughter aged 13yrs 2month. First periods started in the month of September 2024. After that her behaviour changed and became arrogant. She is not going to school on periods days. Kindly help,How to counsel her??,

Ans: Hello
Since your daughter is 13 years old and just started getting periods that is menarche, she is in her puberty. She is undergoing lots of hormonal changes which is very common in this age group from 10 to 12 to 14 to 16 years of age group.
She will be having physical, cognitive and psychosocial changes. She is bound to have mood swings, irritation, change in behavior. During this phase they are in establishment of own identity, autonomy, sexuality. Not going to school can happen cause if awkwardness in periods, scare of staining clothes, not able to perform activities as routine due to pain or bleeding.
All these are common behavioral changes in most teenagers.
1) We as a parent we need to make ourselves available for open communication. With our children without hesitation.
2) We should be more like friends to them than parents.
3) Openly speak to them regarding periods, all emotional and behavioral changes to them and reassure them that these are normal changes to happen and accept them with grace and understanding.
4) Engage the kids in other activities likes their hobbies and physical exercises to control adverse behavior.
5) Talk openly about sex to your children so that they know about self-care.

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.

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