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Ajit Mishra | Answer |Ask -Follow

Answered on Aug 26, 2020

Question by Manish on Aug 26, 2020Hindi

Money

I have following share with long term perspective of 10 years to hold:

Ans:

Tata Motors – Hold for atleast 2-3 year

General Insurance Corporation - Exit

HDFC Bank - Hold

HDFC Insurance- Hold

ICICI Bank- Hold

ICICI Prudential Ins - Hold

Reliance Nippon Asset Mgt - Hold

SBI Cards - Hold

State Bank of India - Hold

Yes Bank – Risky Bet, Exit below Rs. 10

Coffee Day - Exit

Hindustan Unilever - Hold

ITC- Hold

Reliance Industries- Hold

Glenmark Pharma- Hold

Sun Pharma- Hold

NHPC- Hold

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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Ajit Mishra | Answer |Ask -Follow

Answered on Dec 04, 2020

Question by Pramod - Dec 04, 2020Hindi

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I am holding following share with long term view. Kindly let me know your view on this

Ans:

1) Abbott @ 16199/- per share - Hold
2) gmm pfaudler @ 5040 per share - Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Sep 21, 2020

Question by Manish - Sep 21, 2020Hindi

Money

I have following share with long term perspective of 10 years to hold.

Tata Motors	Hold
General Insurance Corporation	Exit
HDFC Bank	Hold
HDFC Insurance	Hold
ICICI Bank	Hold
ICICI Prudential Ins	Hold
Reliance Nippon Asset Mgt	Hold
SBI Cards	Hold
State Bank of India	Hold
Yes Bank	Hold
Coffee Day	Exit
Hindustan Unilever	Hold
ITC	Hold
Reliance Industries	Hold
Glenmark Pharma	Hold
Sun Pharma	Hold
NHPC	Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Sep 21, 2020

Question by Kumar, - Sep 21, 2020Hindi

Money

Please advice on the following share for short and mid term

Ashok Leyland – 100 @ 102- Hold with SL at 60
Aksh optifiber – 1000 @ 16 - Better to Exit
Blackrose Industry – 20 @ 133 - Better to Exit
Granuels India – 50 @ 316- Hold with SL at 335
IGL - 10 @ 305- Book profit at cmp (390.65)
Kirloskar Ferrous – 50 @ 90- Hold with SL at 80
Mahindra CIE Auto – 35 @ 185- Better to Exit or hold with SL at 114
NIIT - 50 @ 129- Book profit at cmp (162.90)
Phillips carbon – 55 @ 165 – hold with SL at 110
Take Solutions – 70 @ 52- Better to Exit
Vakrangee – 15 @ 27- Exit

Ajit Mishra | Answer |Ask -Follow

Answered on Sep 21, 2020

Question by Sarita - Sep 21, 2020Hindi

Money

Please review my holdings; I have long term view of 5-10 years

BSOFT: 100 shares ( bought in 2007)	Hold
KPIT TECH: 100 shares ( bought in 2007)	Hold
VEDL: 42 shares ( bought in 2007)	Exit
Tata motors Ltd-50 shares (@800/- per share bought in 2007)	Exit
Ashok Leyland=180 shares ( bought in 2007)	Hold (Atleast for more 2-3 years)
Rcom- 40 shares ( very old shares bought by my Dad- may be bought in '90s)	Exit
Rel Capital- 2 shares ( very old shares bought by my Dad- may be bought in '90s)	Exit
RHFL-2 shares ( very old shares bought by my Dad- may be bought in '90s)	Exit
Reliance Infra-3 shares ( very old shares bought by my Dad- may be bought in '90s)	Exit
Rpower- 10 shares ( very old shares bought by my Dad- may be bought in '90s)	Exit

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Financial Planner - Answered on Jan 18, 2024

Question by Rajeev - Jun 24, 2023Hindi

Money

Which share to buy for 10 years perspective

Ans: Buy good nifty stocks which are delivering good numbers.

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Question by Murari - Dec 05, 2025Hindi

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Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

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Question by Visu - Aug 01, 2025Hindi

Health

I am 61. I have a partial removable denture(upper). I also have bridges in both upper and lower. I was suggested to go for implants. Will it be okay to go for implants at a later part of the life. Is it safe both health and moneywise ? Will it be cheaper if we go for full implant with 4 in one ; if so it may need to wait for few more year let other teeth will also fall.. Please guide and advise on implants

Ans: Hello

Please be assured, AGE isn't a barrier for implants. But overall health is a factor. Your dentist will assess your bone density, gum health, and general medical history before he places your implants.

Implants have some definite advantages over removable dentures. They provide a stable and secure fit, improved chewing and speech.
And with proper care may last for 10-15 years or more.
On the negative side, upfront cost of implants can be higher, surgery cannot be avoided and healing can take 3-6 months.

Cost-wise, Implants can be more cost-effective in the long run.
"All-on-4" implants might be cheaper than individual implants, but waiting might lead to deterioration of bone health, making the process more complex.

Consult your dentist about:
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Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Aug 21, 2025Hindi

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My 12 year old son has 2 parallel lines of teeth. One front and the other behind. So far in the behind only 2 teeths are there one in each side. Will this cause any serious issues for him? He has speech problem. Could this be the reason? Does he need to take any immediate corrective procedure?

Ans: Hello
This situation of "2 parallel lines of teeth" arises when permanent teeth erupt BEFORE the deciduous teeth (or milk teeth) have been shed. This indicates a mis-alignment of the permanent teeth. The shedding of milk teeth is dependent on the permanent teeth exerting pressure on them as they grow.
This mis-alignment, indeed, could be the cause of his speech problem.
My advice to you is to consult a competent pediatric dentist or an orthodontist (a dentist who realigns crooked teeth) soon so that corrective measures can be taken.

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Dentist - Answered on Dec 05, 2025

Asked by Anonymous - Jun 17, 2025Hindi

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My front teeth is broken I fell down from my bike while dog is chasing me . I went to dentist i got broken teeth cemented . dentist advised me not to chew anything with cemented teeth it's a life time instruction. It is very discomfort to me .Is there any treatment such that I can chew even with repaired tooth

Ans: Hi.,
Sorry to hear about your fall and the resultant damage to your teeth.
Honestly, it's best to follow your dentist's advice, but I understand your problem. Eating can be a challenge.
Please ask your dentist about sturdier alternatives like dental crowns or bridges. These can provide extra protection and might let you chew more comfortably.

In the meantime, stick to soft foods which do not put pressure on your compromised teeth, or soups. You can also try cutting your food into smaller pieces to reduce pressure on the tooth.

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Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Pramod - Dec 05, 2025Hindi

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Student of 1st yr ECE BIT Mesra,should apply for branch change to CSE,IT,AI&ML considering future job security etc.

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Question by Ganesh - Dec 03, 2025Hindi

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Hello Sir/Mam, Currently I'm investing in SIP as per below for the last 3 years, my goal is to achieve 2 crores by the next 10 years. Please suggest me if these MFs are good or any rebalancing is required. I'm planning to increase the SIP by 10% each year. Parag Parikh Flexi Cap - 5K Aditya Birla SF BAF - 2K SBI Large & Midcap - 5K Quant Small Cap - 3K SBI Gold Fund - Growth - 5K Canara Robeco Large cap - 5K Thanks.

Ans: Hello & thanks for writing to me.

Your portfolio is well-allocated across flexicap, large & midcap, small cap, BAF and gold, offering a balanced mix of growth, stability and diversification.

Given your 10-year horizon, keeping a higher allocation towards flexicap and large & midcap funds is appropriate, as these categories help manage volatility while still capturing long-term growth. The small-cap exposure adds additional long-term growth potential, while the Balanced Advantage Fund (BAF) provides stability through its dynamic asset allocation. Your gold allocation further supports diversification and can cushion the portfolio during equity market stress.

At this stage, no major rebalancing is needed. Since you plan to increase your SIPs by 10% every year, directing this additional amount mainly towards your flexicap or large & midcap fund will further strengthen the core of your portfolio over time.

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Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

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My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.

Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

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Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi

Relationship

Hi Anu, My husband doesn't do house chores. We both work full-time, but I still end up cooking, cleaning, and doing laundry. When I ask for help, my partner will say, ‘Just tell me what to do,’ but then he conveniently forgets. Maybe he doesn't like it or he is genuinely forgetful. I have tried many ways to make him explain. Once I only did my share of laundry to make him realise but he simply ignored. Every week this pattern repeats. Is this normal? How can married couples divide responsibilities fairly to avoid fights?

Ans: Dear Anonymous,
Every home has a different routine and share of responsibilities. So, there's no standard norm to challenge it as normal or not!
So, if you want your husband to pitch in, then say it in clear terms, especially since he has told you to tell him what to do.
Once you have told him, do make sure to ask him: Will you find it convenient to do it now or later? If later, when?
This will ensure that he makes a statement of commitment, so there's no question of forgetting it, right? Play it smart...it's better than feeling bad about the situation or mulling over why something does not work.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Relationships Expert, Mind Coach - Answered on Dec 04, 2025

Question by Santosh - Oct 20, 2025Hindi

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Feeling alone in the world and iam not having any close friends everybody is busy with their works and family, help me what to do

Ans: Dear Santosh,
Everybody has a life and so do you; build your life the way that you want...
Start attending weekend events or any social gathering in the city/town that you live in; even a smile or a hi, hello can be start to a good association when you can further discuss and chat on mutual interests and hobbies.
A humble effort in this direction can change the state that you are in.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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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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