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Ajit Mishra | Answer |Ask -Follow

Answered on Dec 08, 2020

Question by prrithvirajjagtap on Dec 08, 2020Hindi

Money

Hi Sir I am Prithvvi Hope u doing well. I am holding following share plz guide me what should I do?

Ans:

1)Aarti Drugs 168 @2902.44 - Hold

2) Adani Green 1500 @425.56 - Exit

3)AjantaPharma 330 @1586.11 - Hold

4)Bandhan Bank 1020 @286 - Hold

5)Dr Reddys Lab 43 @4793 - Hold

6)Hindusthan liver 51 @2127 - Hold

7)RELIANCE IND 139 @2101 - Hold

8)Yes Bank 9600 @14.95 - Exit

9)SBI 3801 @188 - Hold

10)Vishal Fabrics 1156 @305.05 - Exit

11) TCS 150 @2260.57 - Hold

12) IDFC FIRST Bank 3562 @32.20 - Exit

Plz suggest me sir

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 Sir, I have following shares holding. PL advise.

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Answered on Sep 25, 2020

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Hi Sir, I have following shares holding. PL advise.

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I am holding below shares Infosys 20@1537 Aarati industries 61@752 Lic 15@679 Plz let me know what to do with these shares

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I am holding 2000 shares @5.218 of Vikas Ecotech Ltd. on Dt. 09.03.2022 now please what to do ?

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Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

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Question by Prahlad - Jan 22, 2025Hindi

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Hi Sir, I am retired and 63 years old. Having 50 lacs in equity.1.5 cr MF, 25 lacs in SCSS.expected landproperty sale of 4.5 cr also having own house and no education or marriage expenses of children. Medical insurance of 10 lack for me and wife. However intended to buy a residential property of 3 cr to get relax from capital gain post selling the land. And same will be given to daughter later. Need monthly expenses of 1.25 lack. Since market is too volatile. Kindly suggest way forward.

Ans: Dear Pralhad,
To manage your finances post-retirement and handle market volatility, allocate the ?4.5 crore from your land sale strategically. Use ?3 crore to purchase a residential property to save on capital gains tax and gift it to your daughter later. Allocate the remaining ?1.5 crore into ?50 lakh in SCSS for secure returns (~?16,000/month), ?50 lakh in RBI Floating Rate Bonds or POMIS (~?30,000/month), and ?50 lakh in balanced mutual funds for moderate growth. For your existing assets, keep ?25 lakh in SCSS and divide the ?1.5 crore mutual funds portfolio into 60% balanced advantage or hybrid funds for stability and 40% debt funds for steady income. Maintain 20-25% equity exposure (?50 lakh) in large-cap or dividend-yield funds for growth. Combined with a ?20-30 lakh emergency fund, this ensures a stable monthly income of ?1.25 lakh while safeguarding against market risks and providing for your family's future. Consult a certified financial advisor for personalized tax-efficient strategy
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I am 40 year old have 1 daughter aged 8 years current monthly expenses 60 thousand. I have 30 lakh in PF, 25 lakh in stocks, 40 lakh in fd,50 lakh cash, 35 lakh gold, own apartment no loan, 4 crore in real-estate. Please suggest what should I do if I want to retire in the next 2 years.

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To retire in 2 years, you’ll need a corpus of approximately ?2 crore to sustain your current monthly expenses of ?60,000, adjusted for inflation and assuming 30 years of retirement. Allocate ?2.5 crore to fixed-income instruments like SCSS, RBI Bonds, or debt mutual funds to generate a stable annual income (~?10 lakh). Retain ?50 lakh in stocks and equity mutual funds for growth and ?30 lakh in balanced mutual funds for stability. Keep ?20-30 lakh in liquid funds or FDs for emergencies.

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Sir iam rayulu 47 years old. Iam invest in mutual fund s axis small cap 5000 ,quant small cap 5000, motilal oswal midcap 5000, nippond india growth fund 5000 and my wife account Nippon small cap 5000 and sbi contra 5000 paragpark flex cap 5000,HDFC flex cap 5000 how to create 1 crore in tem years pls suggest

Ans: Dear Rayulu,
To create ?1 crore in 10 years with your current mutual fund SIPs of ?40,000/month, you need a consistent 12% CAGR. At this rate, your corpus will grow to approximately ?92.7 lakhs. To bridge the gap, consider increasing your SIPs by ?2,000-?3,000/month or adding a 10% annual top-up.

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What is the future of Lic jeevan saral?I am paying premium since March 12.I will incur a loss of Rs 3 lacs approximately if I surrender the policy today as suggested by my agent.Please suggest what should I do? I am 54 years old and policy term is 28 years.

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My suggestion to you would be to surrender it as early as possible.

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Sir i have telangana state sc caste certificate but I am in Maharashtra so for neet councelling do I have make central caste certificate from Telangana state sc certificate,and if we want to convert the state to central then how's the process

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Asked by Anonymous - Jan 23, 2025Hindi

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I am male,29, not yet married. Earn 80k, invest 28k in mf sip, 8k in emergency fund. Family pension 40k. My personal medical cover 3 lac and same amount cover from office. Term plan 50lac. In unforseen circumstances withdraw money from pension. We had medical benefit of cashless hospital treatment, but the same got withdrawn from long time now. Now we need to pay and claim reimbursement as per CGHS rate. My mother is 65. We don't have her medical cover as she has panel benefit but now it is not cashless. I want to cover for her hospitalisation. If I start medical cover now it is costing 1.5 lac to 1.8 lac for 50 lac cover. What should I do ?

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Then you may buy a super top up health cover for your Mom(~25 L).
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Dear Sir My son is currently in 9th - CBSE board. His ultimate aim is getting into IIT. He wants to focus exclusively in national Olympiads Maths and science in Class 10th . He wants to know if there are some good dummy school for Class X - CBSE , which will enable his objective. If yes, will there be any eligibility issue for the same once he appears for JEE Mains after clearing 12th. I support his decision that in scenario if he doesn't clears JEE in 1st attempt, instead of then wasting 1 year at home, and again preparing for JEE, why don't he get the preparations underway from Class 10th onwards, sincerely prepare for olympiads thereby getting an edge in JEE preparation once he enters class 11th. Request your advise regarding availibility of 10th Dummy school and whether there will be some eligibility issue afterwards. Thanks and Regards Ashish

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it is not good and advisable for me to write this in detail on a public platform, I will help you with this if you can specify your city. In case of any queries & professional help, you can DM me through insta handle CAREERSTREETS.

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Question by ATUL - Jan 10, 2025Hindi

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Sir mene 11th dubara Kari hai matalab 10th ke baad 1 year gap hai to ise mujhe jee mains aur advanced ya kisi aur job me problem to nahi aayegi

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Asked by Anonymous - Jan 14, 2025Hindi

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My son is working in an multinational energy company. Work culture is very good, salary also good. He did his B.Tech in CSE in the year 2023. He is working as a Software Eng. in the ERP section. My son is interested more coding related job. He has a GATE (2023) score of 581 (Gen cat). My questions are 1) Is it advisable to do M.Tech in CSE using his GATE score? If yes, then which top Colleges can be preferred? 2) Or, will he continue his present job for few more years to gain experience ++ 3) Or, to switch to a new company? Thanks in advance.

Ans: Hello Sir,
In my view, M.S. is more beneficial & rewarding than doing M.Tech. If Pursuing M.Tech then top colleges are IITs & NITs. If he is happy with the work culture & perks he is receiving then I would suggest continue for 2-3 years to gain a good experience and then decide M.S/M. Tech or MBA.

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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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