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Advait Arora |1263 Answers |Ask -Follow

Financial Planner - Answered on May 11, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Question by sg on Mar 20, 2023Hindi

Money

I Have purchased 100 LIC share in IPO, now it's 35% down from purchased prices. What to do? Hold or sell ?

Ans: it is losing market share to private players, move to better stories.

please note : Investing strategies depends on your risk appetitive, so Please consult your financial advisor and then take further decision.

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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I have 140 LIC shares through IPO @889/-. What should I do

Ans: from the financial numbers perspective, they are good but Decline in Net Profit with falling Profit Margin (QoQ) is a concern. the biggest problem is declining market share and with the new govt policy of tax of Rs. 5lakh premium created more problems for LIC. As the stock is at 52 weeks low and if you believe that LIC may do something to cover up (which i don't believe as innovation is lacking) you can hold for a year. If you agree on the above data then exiting will be a great option and investing that surplus in a good profit-making company.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. 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 Amol - May 05, 2023Hindi

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Last year i had invested in LIC IPO 15 shares @13560. Should I hold or sell the shares, please guide me

Ans: from the financial numbers perspective, they are good but Decline in Net Profit with falling Profit Margin (QoQ) is a concern. the biggest problem is declining market share and with the new govt policy of tax of Rs. 5lakh premium created more problems for LIC. As the stock is at 52 weeks low and if you believe that LIC may do something to cover up (which i don't believe as innovation is lacking) you can hold for a year. If you agree on the above data then exiting will be a great option and investing that surplus in a good profit-making company.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. 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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I had taken LIC IPO at approximate Rs. 13500/- when it was in market first time. Now the price is upto Rs. 8500/-. Should I keep or sale it outright? PRASHANT KULKARNI, PUNE.

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Sir , i am 57yrs old. within 1 yr i am retired. So pls guide me , how i invest 30 laks in swp system and how many return from here . Also request you suggest the mf name where i invest.

Ans: You can invest 30 Lac as lumpsum in conservative hybrid(debt oriented) fund. Based on 5 year return yardstick Kotak hybrid debt fund and SBI Conservative hybrid fund are the 2 recommendations.

It will be better if you stay invested in this fund for 5 year and let the corpus grow. After 5 years you can expect a corpus of around 50 Lacs(10%+ return assumed)

Then you can start your SWP at the rate of say 5% per year which will translate into monthly payout of around 21K.

However if you need immediate pension then you can invest in PO monthly income scheme(7.4% rate;5yr tenure) upto 9 L in your name and another 9 L in the name of your spouse or other family member. It is a safe scheme since backed by GOI. For the balance 12 L you can do 3 FDs of 4 L each in reputed banks.

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Ans: If your employer has not made the statutory EPF contributions then you can file a legal case.

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Hey!! I got admission in KJ somaiya college...Electronics in VLSI and technology....is it a good branch and a good choice?

Ans: Hello Jyoti.
Congratulations on your admission to KJ, one of the best colleges in Mumbai.
Electronics in VLSI and technology is an emerging branch with a bright future.
Your choice is good.
Best of luck for your future.

If you are dissatisfied with the reply, please ask again without hesitation.
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Thanks.

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sir, i am in class 12th (pcb) rn and i am preparing for NEET but i don't have that much interest in it. I have interest in forensic science and i want to pursue it. i am ready to give any exam that i can for good college. I also want a good job with good money after everything (college...etc). I am a decent student, more than average i can say. But we have some financial problem for college only (personal family matter) so i am rely on scholarship. please guide me what should i do and how?........Thank you very much

Ans: You should prepare and appear for CUET for getting admission into UG Forensic Science with any one of the State / Central Universities providing this course. You should be aware that economically weak girls are eligible for scholarships provided by Govt. which you can apply for, after getting confirmed admission into any UG program (but should have been approved by AICTE). Also please note, your family income should be less than 8.00 lacs to be eligible for Scholarships. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

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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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