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Samraat Jadhav |1746 Answers |Ask -Follow

Stock Market Expert - Answered on Jul 03, 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

Question by Sanjeev on Jun 20, 2023Hindi

Money

This question is addressed to an expert of stock market - I want to invest 70-80k in three to four stocks of NIFTY 50 in the range of 25K in each share. Please advice me which shares are good to invest for long term.

Ans: This platform does not help you with new stock recommendation. I would suggest you to please visit a SEBI registered investment adviser and get your advice drafted. You can find one of your local area from the following link. https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

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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Question by ASHWANI - Dec 08, 2020Hindi

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Pls advise on following shares . Investing on long term basis.

Name of Share	Qty	Average Cost Price
HDFC Bank Ltd	100	915.9	Hold
Indian Hotels Company Ltd	100	142.91	Hold for atleast 2-3 years
Indian Oil Corporation	200	77.59	Hold
Infosys Ltd	100	647.42	Hold
Yes Bank	5000	14.52	Exit
Havells	100	644.68	Hold
Indian Oil Corporation	1510	165.97	Hold

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Question by Santosh - Dec 15, 2020Hindi

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Sir i love for long term investment. sir i will be very much obliged if you suggest me 4-5 names of long term shares which give me some gain of profit.

Ans: Following stocks might give good returns if held for long term:

Berger Paints
BSE
CDSL
UPL
MGL

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Question by vivek - Oct 23, 2020Hindi

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Greetings of the day, Am Vivek, Am a fresher to Indian stock market, I have started stock market investment from April 2020, I have invested 10 Lac as of now, and am planning to invest 50,000 every month for 15 to 20 years, Please tell me which stocks I have to concentrate on long term perspective.

Ans: Large Caps – Reliance Industries, ICICI bank, M&M, Bharti Airtel, HUL, Britannia Industries, Dabur, HDFC AMC, Infosys, HDFC Life, Cipla

Midcaps – Havells, Titan, Crompton Greaves Consumer, Whirlpool of India.

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Question by JasInde - Nov 23, 2020Hindi

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I'm holding a few clusters of shares and in most, I'm kind of facing loss. I'm planning to be a long-term investor but also want to have expert advice on it. If you possibly have some time on my query kindly suggest some shares where I can invest in the long term?

Federal Bank - 106	Exit
Minda Industries Ltd– 316	Hold
SBI Cards – 755	Hold
SBIN – 370	Hold
GAIL – 157	Hold
IndusInd Bank – 1510	Exit
Karnataka Bank – 94.50	Exit
PNB – 86	Exit
Indiamart – 1270	Hold
UPL – 641	Hold
LT – 1597	Hold
COFORGE (NIIT TECH) – 1351	Hold
Parag Milk – 271	Exit
Varun Beverages – 652	Hold
HFCL – 22	Exit
India Bulls Housing – 718	Exit
Cox & Kings – 42	Exit
KSE Ltd - 1242	Exit

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Question by Priyadarshi - Dec 09, 2023Hindi

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Sir,I would like to invest Rs 60000 for long term at least.Please advice me which share & how much price ,I can invest.

Ans: It's important to note that investing in individual stocks carries higher risk compared to diversified investment options like mutual funds. However, if you're determined to invest in stocks, here's a general approach you could consider:

Diversification: Rather than putting all your funds into a single stock, consider diversifying across multiple stocks from different sectors. This helps spread risk.

Research: Conduct thorough research on the companies you're interested in investing in. Look at their financial health, growth prospects, competitive advantage, management quality, and industry trends.

Investment Horizon: Since you mentioned a long-term investment horizon, focus on companies with strong fundamentals and growth potential over the coming years.

Risk Management: Be prepared for volatility in the stock market. Invest only the amount you can afford to lose, and consider setting stop-loss orders to limit potential losses.

Consider Professional Advice: If you're unsure about which stocks to pick, consider seeking advice from a financial advisor or stock market expert.

Without specific details about your risk tolerance, investment goals, or market conditions, it's challenging to provide specific stock recommendations. Additionally, stock prices fluctuate regularly, so it's essential to conduct your research and make informed decisions based on your financial situation and investment objectives.

Lastly, remember that investing in individual stocks requires careful consideration and carries inherent risks. If you're not comfortable picking stocks or managing the associated risks, you may want to consider investing in diversified mutual funds instead.

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Hi, I am a 40 year old man. I had been freelancing for the past 8 years but now I hardly have any work as AI has rendered my skills redundant. To address this situation I took the decision to change my career and thus have enrolled in a data analytics certification course. While I am aware that I'll be considered as a fresher, I am worried how I would fare in the job market, especially when the other applicants would be half my age. Is it too late to make a change? Would I be able to secure a job in an entirely new but booming domain at this age?

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My I suggest you understand the use cases of using AI in your original area, combining AI skills to your original domain would enhance your skills and will be muh needed.

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I have been laid off by the company in January 2018. I have the PF account & till date the PF balance amount around 16 lacs, till now I have not withdraw the PF amount. & Till now I was unemployed. Pl. Suggest weather I should withdraw the PF amount or not. or u should continue. Pl advise

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It depends upon upon whether you need that money or not whether you can deploy the money where it will give you better returns than interest what you are getting. If answer to any of the question is affirmative then you should but if it is not then you may continue keeping it.

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Question by Tanmaya - Apr 26, 2024Hindi

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I haven't received my salary yet what should i do?

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Dear Sir My last employer has shared me Certificate of Employment on my mail id after serving notice period and approval of resignation, and when I asked them if I should expect seperate document as experience and relieving letter they replied same document i.e certificate of employment will serve as both relieving and experience letter. so sir kindly confirm if it's correct or will I face any issues in future with this document? Note: this certificate of employment clearly says I worked from xyz date to abc date and it says I have been relieved from the services from close hours of abc date And in bottom it's mentioned : as per your contract of employment you will be bound by non- compete, solicition, non disclosure etc I am worried why my last employer have me certificate of employment instead of relieving letter and will it affect me in future?

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The document shared is good enough.

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Turning 29 soon. Done with my MA in Eonomics. Fustrated not getting a job.... applied in alot of places but finiding no success. Feeling lost at times. Dont know what direction to take. Pls advise!!

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Post MA Economics you have multiple path, either as a teacher or as a reseracher in organisation. However may sugget you take up some additional courses. In case you are interested in teaching go for B.Ed ... In case you are interested in research side then M.Phil or Phs would be better.

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Im 49 years old i worked as a teacher in a private unaided school in Telangana Medchal Mandal for the past 24 years.I started my career in teaching in this school since 1998 -2024 March 15. I was asked to quit the school since the new management wanted to have teachers according to their whims and fancies. I worked for her parents when the parents died the property was divided among her daughters finally the elder one cornered it she didn't want the old staff to work and wanted to appoint new staff. When my old correspondent (her mother) when we asked for PF she assured i can't insure right now because i should have done right at the inception of the school so i promise to pay good will when you leave the school for the service rendered towards the school unfortunately she too died in 2021 then her daughter present correspondent didn't even do any favour Unfortunate thing i worked for such an institution there i had not facilities of PF . I served so loyally for this institution as a token of gratitude to my service.they didn't pay anything. Finding a job in other institution they doubt over long standing experience in one school and owing my age they are hesitant to offer a job i have attended few interviews in school . I'm running pillar to post to find a job to support myself. Im helpless and desperate don't know what to do. Please help mem

Ans: Hello

I can understand what you must be feeling to go through this stage of life.

May I suggest you start with taking private tutions, given your rich experience in teaching I am sure you will make positive impact in the lives of students. Initially you may find it difficult ... but as you take steps...over the period a good path would be laid.

Believe in yourself...I am sure you will do it good.

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Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

Asked by Anonymous - May 12, 2024Hindi

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From April 2024 I ve started a SIP of 4 lacs each in ICIC pru index, 4.5 L in Parag Parikh Flexicap & 1.5 L Nippon India small cap( all 3 growth plans) . My age is 46 & I want to build a solid corpus of over 25 crore over the next 9-10 yrs until I retire. Do u suggest any changes or addition in the number of funds.

Ans: Your commitment to SIPs reflects a proactive approach towards building wealth for your retirement, and your choice of funds demonstrates a well-diversified portfolio. Let's evaluate your current strategy and suggest potential adjustments to align with your ambitious goal of accumulating over 25 crores in the next 9-10 years.

Assessing Current Portfolio Allocation
Your current SIP allocation comprises investments in ICICI Pru Index, Parag Parikh Flexicap, and Nippon India Small Cap funds, each with varying risk profiles and growth potential. While index funds offer stability, flexicap funds provide diversification, and small-cap funds aim for higher growth.

Considering Risk and Return Profile
Given your age of 46 and the relatively short investment horizon until retirement, it's crucial to strike a balance between risk and return. As you approach retirement, preserving capital becomes paramount, necessitating a gradual shift towards more conservative investments.

Potential Adjustments and Additions
Diversification: Consider diversifying further by adding exposure to other asset classes like debt or balanced funds to mitigate overall portfolio risk. Debt funds provide stability, while balanced funds offer a mix of equity and debt, suitable for investors nearing retirement.

Focus on Consistency: Evaluate the historical performance and consistency of the funds in your portfolio. Ensure that they align with your long-term financial goals and risk tolerance.

Review Fund Selection: While your current funds have their merits, periodically review their performance and make adjustments if necessary. Funds experiencing consistent underperformance or significant changes in fund management may warrant reconsideration.

Professional Guidance: Engage with a Certified Financial Planner (CFP) to conduct a comprehensive review of your portfolio and provide personalized recommendations tailored to your financial objectives and risk appetite.

Conclusion
In pursuit of your ambitious goal of accumulating over 25 crores by retirement, it's essential to periodically review and adjust your investment strategy. By diversifying appropriately, focusing on consistency, and seeking professional guidance, you can optimize your SIP portfolio for long-term wealth creation and financial security in retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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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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