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Vivek Lala |301 Answers |Ask -Follow

Tax, MF Expert - Answered on Jan 24, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Question by Venkatraman on Jan 04, 2024Hindi

Money

I am regularly investing in HDFC Top100, HDFC Flexicap and HDFC Hybrid Mutual Funds. Are these good MFs to continue for a longer time.

Ans: Hello,
As per me you should diversify amongst AMC's as well and you can select top 2-3 AMC's and select the funds accordingly

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 Anirudh - Dec 09, 2021Hindi

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I have invested in following MFs for the last six months. The details are as follows: Canara Robeco Mutual Fund (monthly SIP, Rs 5,000) Parag Parikh Flexi Cap Fund (monthly SIP, Rs 5,000) Kindly advise if these funds are good for the long term, around 12 to 15 years horizon. Kindly suggest other funds too.

Ans: Please continue.

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Question by Prince - Dec 27, 2023Hindi

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Hello Sir, I have started MFs investment recently from last year have low budget. I have started with 1. Quant ELSS Tax saver direct growth (Rs500) 2. SBI small cap fund direct growth (Rs600) 3. ICICI Prudential commodities Fund direct growth (Rs500) 4. Nippon india small cap fund direct growth (Rs500) 5. Quant Small cap fund direct plan growth (Rs1000) I would like to know whether its good to invest in these MFs for longer period 15-20 years. I'll add another 3-4K in the future but for now it'll be the same. Please guide me as I have low budget

Ans: It's commendable that you've started investing in MFs with a limited budget. For a longer investment horizon of 15-20 years, it's important to focus on funds with strong potential for growth. While your current selection includes some good choices, consider diversifying across different categories such as large-cap, mid-cap, and multi-cap funds for better risk management. Additionally, prioritize funds with consistent track records and reputable fund management teams. As your budget increases in the future, you can gradually add more funds to further diversify your portfolio. Regularly review your investments and consult with a financial advisor for personalized guidance.

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Financial Planner - Answered on Mar 18, 2024

Question by Prince - Feb 06, 2024Hindi

Money

Hello Sir, I have started MFs investment recently from last year have low budget. I have started with 1. Quant ELSS Tax saver direct growth (Rs500) 2. SBI small cap fund direct growth (Rs600) 3. ICICI Prudential commodities Fund direct growth (Rs500) 4. Nippon india small cap fund direct growth (Rs500) 5. Quant Small cap fund direct plan growth (Rs1000) I would like to know whether its good to invest in these MFs for longer period 15-20 years. I'll add another 3-4K in the future but for now it'll be the same. Please guide me as I have low budget

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

Latest Questions

T S Khurana |228 Answers |Ask -Follow

Tax Expert - Answered on Nov 30, 2024

Asked by Anonymous - Oct 20, 2024Hindi

Money

Sir, I am having a flat purchased in 2012 in joint name with my spouse and I am having first name. If I sell this flat and pur hase another flat where my spouse will be first holder and myself as joint holder then what will be tax liability . Kindly guide With regards

Ans: LTCG generated by Selling the Flat would be admissible for exemption u/s 54, if you purchase another Residential Property in joint names of both of you (irrespective of first or second holder), with in time limits.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Nov 30, 2024

Question by Mathew - Oct 19, 2024Hindi

Money

Hi sir my father had purchased a property for 2 lack in year 1993 now he is planing to sell it for around 8 crore how much tax he must pay where to invest the amount, he might get some 2 cr in black also what to do with that amount and we want to generate a monthly income of 2 lack with this amount

Ans: 01. This transaction would generate LTCG of big amount. You may calculate your LTCG with 12.50% without Indexation or 20.00% with Indexation. You can choose the better option.
02. The best way seems to Invest this amount in House Property, in which case your both Cash & Bank amounts will be absorbed. Besides Regular Income from this property (like Rental income etc.), Capital appreciation would give you substantial push. Another justification of this Investment would be to save big on LTCG tax.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Nov 30, 2024

Asked by Anonymous - Oct 15, 2024Hindi

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Sir, My annual income expected to be like Income from FD,ncd, post office etc - 185000.00 Dividend income - 15000.00 Short time capital gain - 125000.00 Total income - 325000.00 Can you please calculate my income tax liability for the next assessment year. Thanks

Ans: Based on the data provided above, there shall be no Income Tax payable.
Most welcome for any further clarifications. Thanks.

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Asked by Anonymous - Nov 25, 2024Hindi

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Can u brief me about new indexation rule for capital gains

Ans: Under present provisions of Income Tax Act, you may opt any of the options (in case of Long Term Capital Gains), as under :
(01). Tax Rate 12.50% without indexation or
(02). Tax Rate of 20% with Indexation.
You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
This is subject to the condition that the property is sold after 23.07.2024 & purchased before 23.07.2024 only. This is applicable to Resident citizens only.
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Tax Expert - Answered on Nov 30, 2024

Asked by Anonymous - Nov 25, 2024Hindi

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I have property in parts One part acquired on 2018 another in 2024 And now sold Capital gain is Indexed

Ans: Please make your question clear to be replied properly.
Sorry for inconvenience.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Nov 30, 2024

Asked by Anonymous - Sep 09, 2024Hindi

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For capital gains. Can I book a flat now to get possession in 3 years.

Ans: I hope you are asking for exemption u/s 54/54F only.
To avail exemption you need to purchase a Residential property with in 2 years from date of Sale of asset/property. It would be better, if you can Register this Flat in your favor with in 2 years.
Most welcome for any further clarifications. Thanks.

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Asked by Anonymous - Jul 21, 2024Hindi

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My daughter is staying abroad and housewife. She sold her plot for 14 lacs for her son's education. This amount was sent to her husband a/c abroad from her brother's local indian a/c. Should she submit IT? Plz clarify.

Ans: 01. Since she has sold plot in India, there must be some Capital Gains, which are subject to Income Tax. So she needs to file her ITR in India.
Most welcome for any further clarifications. Thanks.

Radheshyam Zanwar |1076 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 30, 2024

Question by Anmol - Nov 28, 2024Hindi

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Sir ,maine class 12th 2024 me complete kiya with pcb aur mujhe b.tech me admission chahiye.Toh isilye maine as a cbse private candidate maths as an additional opt kiya h 2025 ke liye.kya mai jee ke liye eligible hu ya nahi ??

Ans: Hello Anmol
No, you are not eligible for JEE. You have to clear the PCB and maths as an additional subject in the same year i.e. 2025.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Radheshyam Zanwar |1076 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 30, 2024

Asked by Anonymous - Nov 29, 2024Hindi

Career

Hello sir, I am a 11th grade student. Now iam very confused amd depressed that what should i study now. Let me tell my goals. 1st thing is i want to get top 3 rank in my school examination and 2nd is to prepare for JEE MAIN examination and 3rd is to complete 12th std portions before May month 2025 to score a very good mark in my 12th board examination at 2026. And i also need to complete my JEE MAINS portions before november month for my Jee mains examination which is at Jan month and i need to crack it with 99 percentile at my first attempt and get into any one of the prestigious colleges. But iam very confused that what engineering should i choose. According to me I love all the engineering fields but i need to choose a field which will give the highest salary.These are the things that are revolving in my mind. Can you please give me perfect solution for my 5 confusions..

Ans: Hello dear.
Without taking an examination, without any score in hand, without any college in hand, without any course in hand, you are thinking and thinking and thinking for no reason. The goals/targets set by you are appreciable. But to convert them into reality, you have to work hard and excel in all the examinations. The highest salary is not only based on your degree or only on the college name. There are a lot of other parameters. Your journey is very long. Please keep your eyes only on your studies. Crack JEE (Mains + Adv) with a high score, get admission to a top IIT college, and choose the best course of your liking. Excel in the engineering then test the flavour of success. Best of luck for your upcoming bright future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Pushpa R |36 Answers |Ask -Follow

Yoga, Mindfulness Expert - Answered on Nov 30, 2024

Question by Pandugala - Apr 15, 2024Hindi

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I am 93 kgs , after my c section i have gained 23 kgs of weight,,I'm trying hard to reduce my weight but I'm not able to get my result, please help me

Ans: I understand how challenging it can feel to lose weight, especially after a C-section. It’s important to approach weight loss with patience and consistency.

Here are some tips to help you:

Start slow: Begin with gentle yoga poses like Cat-Cow, Bridge Pose, and Child’s Pose. These are safe for post-C-section recovery and help strengthen your core and back.
Focus on breathing: Pranayama (breathing exercises) like Kapalbhati and Nadi Shodhana can boost metabolism and calm your mind.
Avoid overexertion: Your body has undergone changes after childbirth. Avoid intense exercises initially, as they can cause strain.
Healthy eating: Focus on smaller, balanced meals with fresh fruits, vegetables, whole grains, and lean proteins. Avoid sugary and processed foods.
Consistency matters: Even 20–30 minutes of yoga daily can make a big difference over time.
Why seek guidance? Practicing with a yoga coach ensures safety, especially with your C-section recovery. A coach can guide you on suitable poses, breathing techniques, and relaxation methods to achieve your goals without injury.

Take it one day at a time. You’ve got this, and I’m here to help!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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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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