Home > Money > Question
Need Expert Advice?Our Gurus Can Help

Should I continue working for Praj Industries, SG Mart, and Network People Technologies?

Samraat

Samraat Jadhav  |2344 Answers  |Ask -

Stock Market Expert - Answered on Nov 07, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
solomon Question by solomon on Nov 01, 2024Hindi
Listen
Money

have praj industries, SG mart and Network people technologies.. is it ok to continue

Ans: exit
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8933 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 30, 2024

Money
I am in invest in SIP axis small cap 2.5k ,tata small cap 2.5k,parag parikh flexi cap 2.5k,tata digital cap 2.5k ..it is ok to continue
Ans: Investing in SIPs (Systematic Investment Plans) is a smart way to build wealth over time. Your commitment to disciplined investing is admirable. Let's assess whether your current SIPs align with your financial goals.

Portfolio Diversification
Your portfolio includes investments in different types of funds. This diversification is beneficial as it reduces risk.

Small-Cap Funds: Investing in small-cap funds can offer high growth potential. However, they are more volatile than large-cap or flexi-cap funds.

Flexi-Cap Funds: Flexi-cap funds provide a balance between risk and reward. They invest across large, mid, and small-cap stocks, offering diversification within the fund itself.

Sector-Specific Funds: Investing in sector-specific funds can offer high returns when the sector performs well. However, they come with higher risk due to their concentration in one sector.

Evaluating Risk and Return
Your current investments include both high-risk and moderately risky funds. It's essential to ensure that your risk tolerance aligns with your portfolio's risk level.

Risk Tolerance: If you have a high-risk tolerance and a long investment horizon, your current portfolio may be suitable. Small-cap and sector-specific funds can provide higher returns but also come with greater volatility.

Investment Horizon: For goals that are 7-10 years away, small-cap and flexi-cap funds can be appropriate. However, for shorter-term goals, consider adding more stability to your portfolio.

Performance Consistency
Assessing the performance consistency of your funds is crucial. While past performance is not a guarantee of future results, it does provide insight into how the fund has managed various market conditions.

Small-Cap Funds: These funds can have high returns in bullish markets but may underperform during downturns. Regularly monitor their performance to ensure they continue to meet your expectations.

Flexi-Cap Funds: These funds offer more stability than small-cap funds. They can balance your portfolio by cushioning the impact of market volatility.

Sector-Specific Funds: These funds can perform exceptionally well in favorable market conditions but may suffer during downturns in their specific sector. Regular monitoring is essential.

Portfolio Overlap
Another aspect to consider is the overlap between the funds in your portfolio.

Overlap in Holdings: If multiple funds in your portfolio hold the same stocks, it reduces the benefit of diversification. Check for overlap and consider whether each fund adds unique value to your portfolio.

Diversification Across Asset Classes: Ensure your portfolio is diversified across different asset classes, not just equity. This can include debt funds, gold, or other alternatives to reduce overall risk.

Active Management Over Index Funds
Since you are investing in actively managed funds, it's important to understand the benefits over index funds.

Actively Managed Funds: These funds have the potential to outperform the market. Fund managers actively select stocks to maximize returns, which can provide an edge over passive investments like index funds.

Disadvantages of Index Funds: Index funds merely replicate the market and may not provide the same potential for outperformance as actively managed funds. Additionally, they may not protect as well against market downturns.

Benefits of Regular Funds Through a Certified Financial Planner
Investing through a Certified Financial Planner (CFP) ensures you receive personalized advice tailored to your financial goals.

Guidance and Expertise: A CFP can provide insights into fund performance, market conditions, and portfolio adjustments. This expertise can help optimize your investments.

Regular Funds vs. Direct Funds: While direct funds have lower expenses, regular funds offer access to professional advice. This can be especially valuable in managing complex portfolios.

Investment Strategy
Given your current portfolio, consider a few strategic adjustments to ensure it continues to meet your financial objectives.

Rebalance Regularly: Periodically rebalance your portfolio to align with your goals and risk tolerance. This involves adjusting the allocation between different funds to maintain your desired risk level.

Focus on Long-Term Goals: Keep your long-term financial goals in mind. If your goals or risk tolerance change, adjust your portfolio accordingly.

Monitor and Adjust: Regularly monitor the performance of your investments. If a fund consistently underperforms, consider replacing it with one that aligns better with your objectives.

Final Insights
Your commitment to SIPs is a positive step toward achieving your financial goals. Continue to assess your risk tolerance, investment horizon, and portfolio diversification. Consider the benefits of active management and professional guidance through a Certified Financial Planner to optimize your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Harsh

Harsh Bharwani  | Answer  |Ask -

Entrepreneurship Expert - Answered on Mar 20, 2025

Listen
Career
I am based in chennai. I am running a ultra capacitor. Not much business should i close down?
Ans: Dear Srinivasan,
Hope you are doing well.

Running an ultracapacitor business in Chennai can be challenging, but don’t rush to close it down. With the right plan, any startup can grow. Many businesses start slow, but small changes can make a big difference. Instead of shutting down, analyze your business and explore ways to improve first.

Start by checking your finances—compare your income and expenses. If you're losing money, figure out how long you can sustain it and what changes can help. Also, look at the market. Ultracapacitors are becoming popular in electric vehicles (EVs), solar energy, and industrial machines. Finding the right customers is key.

To grow, identify industries that need ultracapacitors, such as EV companies, solar energy firms, and industrial equipment manufacturers. Instead of waiting for customers, reach out to them directly. You can also partner with battery makers, government projects, or research labs. Look for government grants and incentives that support energy storage businesses.

Marketing is important too. If you haven’t already, create a simple website and use LinkedIn to connect with potential customers. Share information about how ultracapacitors help businesses save energy and improve efficiency. You may also find opportunities to sell in international markets.

Cutting costs can also help. Find ways to reduce expenses while maintaining quality. If sales are slow, you can offer additional services like consulting, training, or research in ultracapacitor technology.

Closing should be the last option. If nothing works, you can sell the business or shift to a related field like battery technology or renewable energy. But before making that decision, try every possible way to grow. With the right strategy and effort, your business can still succeed.

..Read more

Latest Questions
Dr Dipankar

Dr Dipankar Dutta  |1593 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Jun 17, 2025

Asked by Anonymous - Jun 14, 2025
Dr Dipankar

Dr Dipankar Dutta  |1593 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Jun 17, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x