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Samraat

Samraat Jadhav  |1810 Answers  |Ask -

Stock Market Expert - Answered on Jun 30, 2023

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
ANKUR Question by ANKUR on Jun 26, 2023Hindi
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I purchase stock daily of 2 -3 good companies...just like sip types ...whenever i receive more than 2% price i sell it...and start purchasing again and so on.. Is it a good stratergy

Ans: 2% is very less you should shift this to 5%
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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Ramalingam

Ramalingam Kalirajan  |3754 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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Hi, Every month i invest Rs.6000 (i.e 1000 in each SIP as below 1) Aditya Birla Sun Life Small Cap Fund - GROWTH, 2) Axis Flexi Cap Fund - Regular Plan - Growth ,3)Canara Robeco Emerging Equities - Regular Plan - GROWTH ,4)HDFC Large and Mid Cap Fund - Regular Growth Plan ,5)ICICI Prudential Flexicap Fund - Growth ,6)Nippon India ELSS Tax Saver Fund-Growth Option and RS.50,000/- in Liquiloans is it good ? should i continue with the same stock..
Ans: It's great to see your disciplined approach towards investing through SIPs and also diversifying across various mutual fund categories. Let's review your current investments and provide some insights:

Diversification: You've done a good job diversifying across different mutual fund categories like Small Cap, Flexi Cap, Emerging Equities, Large and Mid Cap, Flexicap, and ELSS. This approach can help spread the risk and potentially enhance returns.
Performance Review: It's essential to periodically review the performance of your funds. While past performance is not indicative of future results, checking the fund's performance relative to its benchmark and peers can give you insights into its consistency and potential.
Liquiloans: Investing in platforms like Liquiloans involves lending money to borrowers, which carries a higher level of risk compared to traditional investment avenues. The risk associated with such platforms is higher due to factors like borrower defaults and platform-specific risks. Given the higher risk involved, it's crucial to evaluate whether this aligns with your risk tolerance and overall investment strategy. Considering your other diversified mutual fund investments, you might want to reconsider allocating a significant portion to such platforms and explore more stable and regulated investment options to safeguard your investment capital.
Professional Advice: Consider consulting a Certified Financial Planner to get a comprehensive review of your portfolio. They can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can also guide you on whether to continue with your current SIPs or make any necessary adjustments.
Stay Invested: Investing is a long-term journey, and it's essential to stay invested and not get swayed by short-term market fluctuations.
Remember, while your current investment strategy seems well-diversified, it's crucial to review and adjust periodically to align with your financial goals and market conditions. Best wishes on your investment journey!

..Read more

Ramalingam

Ramalingam Kalirajan  |3754 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Asked by Anonymous - May 29, 2024Hindi
Money
I have invested rs 20 l (2 lakhs each) in these 10 stocks Hul jiofinancial syngene hdfc idfc Britannia hcl titan Asian paints nestle I have also invested rs 10 lakhs in quant elss fund. Is this a viable strategy for the long term or should i reduce my exposure to some stocks? I understand that there might be overlap between the 10stocks and the stocks in the quant fund. Thanks
Ans: Assessing Your Current Investment Strategy

Your current investment strategy includes Rs 20 lakh in 10 stocks and Rs 10 lakh in an ELSS mutual fund. This shows a proactive approach towards wealth creation. Let’s analyze your strategy and see if any adjustments are necessary.

Evaluating Your Stock Portfolio

Investing Rs 2 lakh each in 10 stocks provides diversification across different sectors. Here’s a brief assessment of your stock choices:

HUL: A strong player in the FMCG sector. Consistent performer with a stable market presence.

Jio Financial: A relatively new entity but backed by a strong parent company. Potential for growth in the financial services sector.

Syngene: A leading contract research organization. Strong growth prospects in the biotech and pharma sectors.

HDFC: A leading financial institution. Stable performance with potential for growth in the banking and financial services sector.

IDFC: Involved in infrastructure financing. Growth potential but subject to sectoral risks.

Britannia: Another strong FMCG player. Consistent performance with a strong market presence.

HCL: A major IT services company. Growth potential in the global IT services market.

Titan: Leading player in the jewelry and watch segments. Strong brand presence and growth potential.

Asian Paints: Market leader in the paints sector. Consistent performance with strong market presence.

Nestle: A global FMCG giant. Stable performer with a strong market presence.

Analyzing Overlap with Quant ELSS Fund

The Quant ELSS fund also invests in a diversified portfolio of stocks. There might be an overlap between the stocks you hold and the fund’s portfolio. Overlap can increase your exposure to certain stocks, reducing diversification benefits.

Benefits of Diversification

Diversification reduces risk by spreading investments across different sectors. Your current stock portfolio covers various sectors, which is good for managing risk. However, excessive overlap with your ELSS fund can increase concentration risk.

Considerations for Adjusting Your Portfolio

Review Overlap: Check the portfolio of the Quant ELSS fund. Identify any significant overlaps with your stock portfolio. Too much overlap can increase risk.

Sector Diversification: Ensure that your investments cover diverse sectors. Avoid overexposure to any single sector to manage risk better.

Performance Review: Regularly review the performance of your stocks. Make adjustments if certain stocks underperform consistently.

Risk Tolerance: Assess your risk tolerance. If you prefer lower risk, consider reducing exposure to high-volatility stocks.

Exploring Additional Investment Options

Balanced Funds: Consider balanced or hybrid funds. They invest in both equity and debt, offering growth with reduced risk.

Debt Mutual Funds: For safer investments, consider debt mutual funds. They provide steady returns with lower risk compared to equities.

Systematic Investment Plan (SIP): Invest in mutual funds through SIPs. It provides disciplined investing and benefits from rupee cost averaging.

The Risks of Investing in Direct Stocks

Investing in direct stocks can be rewarding, but it also comes with significant risks. Understanding these risks is crucial for making informed investment decisions.

Market Volatility: Individual stocks can be highly volatile. Market fluctuations can lead to significant losses, especially if you are not well-versed in stock analysis.

Concentration Risk: Holding a limited number of stocks increases concentration risk. Poor performance in a few stocks can drastically affect your overall portfolio.

Lack of Diversification: Unlike mutual funds, which spread investments across numerous securities, individual stock investments may lack diversification, increasing exposure to specific risks.

Time and Expertise Required: Successful stock investing requires extensive research, continuous monitoring, and expertise. Not everyone has the time or skills to manage this effectively.

Company-Specific Risks: Individual stocks are subject to company-specific risks such as management changes, regulatory issues, and business performance. These factors can significantly impact stock prices.

Advantages of Investing in Mutual Funds

Investing in mutual funds can mitigate many of the risks associated with direct stock investments. Here are some benefits:

Professional Management: Mutual funds are managed by professional fund managers who have the expertise and resources to analyze and select stocks.

Diversification: Mutual funds invest in a wide range of securities, reducing the impact of poor performance by any single stock.

Reduced Risk: Diversification and professional management help in reducing overall investment risk.

Convenience: Investing in mutual funds is more convenient. It requires less time and effort compared to managing individual stocks.

Systematic Investment Options: Mutual funds offer options like SIPs, which promote disciplined investing and can benefit from market volatility through rupee cost averaging.

Reinvesting in Mutual Funds

Given the risks associated with direct stock investments and the benefits of mutual funds, it might be wise to consider reinvesting in mutual funds. Here’s how you can approach this:

Diversified Equity Funds: Consider investing in diversified equity funds. These funds invest across various sectors and market capitalizations, providing balanced exposure to different segments of the market.

Balanced or Hybrid Funds: As mentioned earlier, balanced or hybrid funds offer a mix of equity and debt, providing growth potential with reduced risk.

Debt Funds for Stability: To ensure capital preservation and steady income, allocate a portion of your investments to debt funds. They provide stability and can act as a buffer against equity market volatility.

ELSS for Tax Benefits: Continue investing in ELSS funds for tax-saving benefits under Section 80C. ELSS funds also have a three-year lock-in period, encouraging long-term investing.

Consulting a Certified Financial Planner

A Certified Financial Planner (CFP) can provide personalized advice based on your financial goals and risk tolerance. They can help you evaluate your current portfolio and suggest adjustments. A CFP can also assist in creating a diversified investment strategy tailored to your needs.

Regular Portfolio Review

Performance Monitoring: Regularly monitor the performance of your investments. Adjust your portfolio based on market conditions and personal goals.

Rebalancing: Periodically rebalance your portfolio to maintain the desired asset allocation. This helps in managing risk and optimizing returns.

Goal Alignment: Ensure your investments align with your financial goals. Adjust your strategy if there are changes in your goals or financial situation.

Conclusion

Your current investment strategy shows a good understanding of diversification and growth potential. However, it’s important to manage overlap with your ELSS fund to maintain diversification benefits. Consider additional investment options like balanced or debt mutual funds for a safer approach. Consulting a Certified Financial Planner can provide personalized guidance to optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |390 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
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Hi sir, my son got 9323 rank in comedk and 23350 rank in KCET. As per last year cutoff he may get Mechanical seat in BMS or MSRIT. Please suggest which one is good for Mechanical engineering
Ans: Both are equally good for Mechanical. Some factors to keep in mind before choosing either college for your Son: (1) Location Preference (2) Will stay in Hostel (or) study as Day Scholar (3) Your affordability for fees (if there is a major difference in fees between these 2 colleges & (4) Availability of transport from your home to college. Whatever Institute / University & Branch your Son chooses, he should keep upgrading his skills from his 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Son’s Bright Future.

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I'm a girl from Jharkhand, I got 91.87%ile in jee mains, crl 1.22 lakh, category rank 40k. In which counselling program should I apply for and what colleges can I get at this rank? Is there any chance to get colleges through board %age as I got 95% in CBSE class XII
Ans: With your CBSE marks and Category Rank, you can try with any one of the top Private Colleges. And, try NIT Tier 2 Institutes. However, you have to compromise on the Stream or NIT Location you prefer. Whatever Institute / University / Branch / Domain you choose, keep upgrading your skills from 1st year itself till your Campus Placement during your last year, from LinkedIn, NPTEL, Coursera, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students, for jobs.

All The BEST for your Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad)’, please FOLLOW me in RediffGURU here.

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Nayagam P

Nayagam P P  |390 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi
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My daughter scored 251 in BITSAT, and 25k in jee mains. She is getting mechanical and chemical in warangal nit. What should we do?
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All The BEST for your Daughter’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Career Counsellor - Answered on Jun 17, 2024

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Hi,My son got sandip University nashik cse (AIMl) is it good college to go for his studies or else need to try another colleges in Bangalore??
Ans: Raju Sir, you have asked the need for Bengaluru Colleges. If your son has appeared for COMEDK or any other Private Colleges' its own entrance exams, better he tries through them. It depends upon your son's Rank / Score & the streams he prefers. Recommended before your son goes for Sandip University (if he has no other option, as time is very less now). Whatever Institute / University & Branch your Son chooses, he should keep upgrading his skills from his 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by his College Faculties, to be COMPETENT among other Students.

All The BEST for your Son’s Bright Future.

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Nayagam P

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Career Counsellor - Answered on Jun 17, 2024

Ramalingam

Ramalingam Kalirajan  |3754 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 17, 2024

Asked by Anonymous - Jun 17, 2024Hindi
Money
I want to invest in 10 L lumpsum for 3-5 years. What is the best strategy for getting good returns (at least 12-15 %)? I want to use this money further for my own business.
Ans: Understanding the Investment Landscape
Investing a lump sum of Rs 10 lakh with the goal of achieving good returns requires a thorough understanding of the investment landscape. Given your objective to use this money for your own business in 3-5 years, it's important to choose a strategy that balances potential returns with acceptable levels of risk.

The Importance of Time Horizon
Your investment time horizon significantly impacts the type of investment strategy you should adopt. While you are considering a 3-5 year period, achieving a 12-15% return may require a slightly longer horizon.

Investing for at least 7 years could better align with your return expectations and allow your investment to ride out market volatility.

Embracing Market Volatility
Investing in the market inherently involves dealing with volatility. Market fluctuations are natural and can impact short-term investment performance.

However, historically, equity markets have shown growth over longer periods, offering potential for substantial returns. Embracing this volatility is crucial to achieving your financial goals.

Benefits of Mutual Funds
Mutual funds offer a diversified investment option that can help mitigate risks while providing exposure to growth opportunities. Actively managed funds, in particular, are managed by professional fund managers who aim to outperform the market by making strategic investment decisions.

Advantages of Actively Managed Funds
Professional Management: Skilled fund managers actively monitor and adjust the portfolio, aiming for higher returns.

Diversification: Mutual funds invest in a variety of assets, reducing the risk associated with individual investments.

Liquidity: Mutual funds offer liquidity, allowing you to redeem your investment when needed.

Transparency: Regular updates and reports keep investors informed about their investments.

Disadvantages of Index Funds
Market Mimicry: Index funds aim to replicate the performance of a specific index, limiting their potential to outperform.

No Active Management: Lack of professional management can lead to missed opportunities in dynamic market conditions.

Limited Flexibility: Index funds follow a predetermined strategy, offering little flexibility in response to market changes.

Benefits of Investing Through Certified Financial Planners
Investing through a Certified Financial Planner (CFP) ensures that your investments are aligned with your financial goals.

CFPs offer personalised advice and can help navigate the complexities of the financial markets.

Advantages of Regular Funds
Expert Guidance: MFDs with CFP credentials provide valuable insights and strategic advice.

Tailored Solutions: Regular funds offer customised investment strategies based on individual goals and risk tolerance.

Support and Service: Professional support for investment decisions and portfolio management.

Holistic Planning: CFPs consider your overall financial situation, ensuring comprehensive financial planning.

Understanding Investment Risks
Every investment carries a certain level of risk. It's crucial to understand and accept these risks when aiming for higher returns.

Types of Risks
Market Risk: The risk of investments declining due to market fluctuations.

Interest Rate Risk: The risk of interest rate changes affecting investment values.

Inflation Risk: The risk of inflation eroding purchasing power over time.

Importance of Staying the Course
Investing with a long-term perspective requires patience and discipline. Market volatility can be unsettling, but staying the course is essential for achieving your investment goals.

Strategies for Staying the Course
Avoid Emotional Decisions: Base your investment decisions on facts and long-term goals, not short-term market movements.

Regular Reviews: Periodically review your investment portfolio to ensure it aligns with your goals and risk tolerance.

Rebalancing: Adjust your portfolio to maintain your desired asset allocation.

Reinvestment Strategies
If you hold LIC, ULIP, or investment-cum-insurance policies, consider evaluating their performance.

Surrendering underperforming policies and reinvesting in mutual funds can potentially yield better returns.

Benefits of Reinvestment
Higher Returns: Mutual funds typically offer higher returns compared to traditional insurance policies.

Flexibility: Reinvestment in mutual funds provides more flexibility and control over your investments.

Cost Efficiency: Mutual funds often have lower costs and fees compared to insurance policies.

Strategic Asset Allocation
Asset allocation is crucial for managing risk and achieving your desired returns. A well-balanced portfolio should include a mix of equity, debt, and other instruments.

Suggested Allocation
Equity Funds: Allocate a significant portion to equity funds for growth potential.

Debt Funds: Include debt funds for stability and regular income.

Hybrid Funds: Consider hybrid funds for a balanced approach to risk and return.

Regular Monitoring and Adjustments
Continuous monitoring and adjustments to your portfolio are necessary to ensure it remains aligned with your financial goals.

Benefits of Regular Monitoring
Performance Tracking: Monitor the performance of your investments regularly.

Timely Adjustments: Make necessary adjustments to optimise returns and manage risks.

Goal Alignment: Ensure your investments remain aligned with your evolving financial goals.

Final Insights
Investing a lump sum of Rs 10 lakh requires careful planning and a strategic approach.

Understanding the investment landscape, embracing market volatility, and opting for actively managed mutual funds are key steps towards achieving your financial goals.

Staying the course, regularly reviewing your portfolio, and seeking professional guidance from a Certified Financial Planner can enhance your investment experience and outcomes. By focusing on a balanced and diversified investment strategy, you can work towards achieving your desired returns while preparing for your business ventures.

Invest wisely, stay informed, and be patient to see your investments grow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Nayagam P

Nayagam P P  |390 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 17, 2024Hindi
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Career
Please include one more choice in the selection criteria 1. Vit Vellore CSE in 4th category 2. Pes ec campus CS 3. MIT BANGALORE CSE We are staying in Bangalore, which choice is better and please help with reasoning?
Ans: You have not mentioned in which-all Entrance Exams you appeared (COMEDK \ KCET etc.)? However, order of Preference (1) PES (Electronic City) (2) MIT-Bengaluru (here, however, please note, for some students this is not suitable due to its culture (non-academic / psychological factors). (3) VIT-Vellore (check the fee structure of all 4-years for affordability). If you have appeared in COMEDK & KCET also, find out 1-2 options even the colleges belong to Tier 2 category. Whatever Institute / University / Branch / Domain you choose, keep upgrading your skills from 1st year itself till your Campus Placement during your last year, from LinkedIn, NPTEL, Coursera, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students, for jobs.

All The BEST for your Bright Future.
To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

Nayagam PP |
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