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Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Jun 06, 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 Vijay on May 17, 2023Hindi

Money

I have following shares: 1.Tata elaxi- 10 share@Rs 6560 2.Trent- 50 shares@Rs 1148 3.Delta corp 360 share@Rs 224 4.oil india 600 shares@ Rs 209 5.icici bank136 share@Rs866 6.Maruri 50 shares@Rs 8173 Should i sell or hold?

Ans: All are good stories except OIL india. i would sell oil india and move the money to icici bank or maybe Trent.

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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Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Apr 22, 2023

Question by SHIV - Apr 18, 2023Hindi

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I have following shares, Pl. suggest I hold or sell the same:- Name of company Share Cost Total per Investment share 1. Century Enka 5 250 1250 2. Finolex Industries 375 10 3750 3. Gagan Gases 100 10 1000 4. HDFC Bank limited 70 10 700 5. LIC 19 904 17176 6. Reliance Industries 4 10 40 7. Rolex Rings 16 900 14400 8. Sigachi Industries 90 163 14670 9. Timken India 19 10 190

Ans: some very interesting names, but on quality front i would stick to hdfc bank, reliance, rolex and timken. Rest of them may not be extraordinary going forward.

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Stock Market Expert - Answered on May 24, 2023

Question by PIYUSH - May 24, 2023Hindi

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I have 500 shares itc, 2000 rvnl, 6000 irfc, 2000 repco, 5000 international conveyor, 200 lincon pharma,500 gspl, 1000 20 micron, 100 fusion micro, 50 uniparts, 300 rites, 2000 shriram properties, 400 mahalaxmi rubtech, need ur advice should i hold or sell

Ans: ITC, RVNL, IRFC, REPCO, GSPL, RITES - Book Profits. Not tracking others.

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 khagen - Jun 04, 2023Hindi

Money

I am having following shares: 1) Infibeam avenue 600 @23.10 , MMTC 600 @54.00 & Piramal enterprise 50 @1033. should i hold or sell these.

Ans: Sell all and please invest in quality companies.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. 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.

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Aug 28, 2023

Asked by Anonymous - Jun 07, 2023Hindi

Money

I have tata elxsi 30 shares at 190 Rs and AshokLeyland 200 shares at 18 Rs and TVS motors 70 shares at 39 Rs. Should I sell or hold

Ans: Hold all of them and enjoy the compouding !! I belive they are very old buy !!

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NEET, Medical, Pharmacy Careers - Answered on Dec 24, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Career

In nda form 2025 it is not accepting caste certificate issued date made in 2018 what to do

Ans: Hi,

You need to apply for a new community certificate and submit it when applying for the NDA exam.

Why is this necessary? The certificate you uploaded was obtained in 2018, and since the current year is 2024, it is now outdated. According to state government regulations (which can vary from state to state), the validity of a community certificate is typically a maximum of 5 years, and in some cases, just 1 year. Therefore, your community certificate is no longer valid.

Additionally, there is no reservation in the army. However, having a valid community certificate is important because it allows candidates belonging to Scheduled Castes/Scheduled Tribes to be exempt from paying fees. To receive this fee waiver, you must present a valid certificate.

It's also important to note that financial statuses can change every 5 years. Therefore, it is advisable to apply for the new certificate as soon as possible and complete the process by December 31, 2024.

ALL THE BEST.

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Asked by Anonymous - Dec 23, 2024Hindi

Career

In Nda form 2025 it is accepting date of caste certificate of 2018 what to do ?

Ans: Hi,

You need to apply for a new community certificate and submit it when applying for the NDA exam.

Why is this necessary? The certificate you uploaded was obtained in 2018, and since the current year is 2024, it is now outdated. According to state government regulations (which can vary from state to state), the validity of a community certificate is typically a maximum of 5 years, and in some cases, just 1 year. Therefore, your community certificate is no longer valid.

Additionally, there is no reservation in the army. However, having a valid community certificate is important because it allows candidates belonging to Scheduled Castes/Scheduled Tribes to be exempt from paying fees. To receive this fee waiver, you must present a valid certificate.

It's also important to note that financial statuses can change every 5 years. Therefore, it is advisable to apply for the new certificate as soon as possible and complete the process by December 31, 2024.

ALL THE BEST.

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Career Management, Skills Development Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 24, 2024Hindi

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I am a junior engineer in Railway, although the job is well paid and somewhat secure, but I don't feel belonged to this job. I have lost all interest in the work. I don't like office work pressure. I am working only because of family pressure. I have plan to be freelance teacher for 12th class physics in which I have interest. My parents are not dependent on me. My father is a retired teacher and have his own pension and savings. Is it a wise decision to quit the government job for my happiness?

Ans: Hi Anonymous,
I would suggest not leaving your job immediately. Instead, consider experimenting with your freelance physics classes from class 9 to class 12, this could be quite lucrative if you are a good teacher and have a strong knowledge of physics. Once you receive positive feedback on your teaching style from the market, you can think about leaving your job and pursuing this full-time. Please feel free to connect with me and message me on LinkedIn—I’d be happy to provide further insights.
https://www.linkedin.com/in/onkarcsrandsustainability/

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Asked by Anonymous - Nov 22, 2024Hindi

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B.Tech in ENTC engineer isme software job ya hardware job hota hai, software job mein intrest hai, to acha package ka job milsakta hai kya? Yah main mere son ke liye enquiry kar raha hoon. Please guide me...

Ans: B Tech ELECTRONICS & Telecommunication covers mostly hardware. Computer science focusses on Both. Coding will help for software job

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Question by Arkajyoti - Oct 13, 2024Hindi

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My son want to try again for cracking iit but his cbsc board is not cross 75percent so he already admits btech ist now i want some hopeful advice by which he can fullfil his dream.

Ans: What is his dream?

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 24, 2024Hindi

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Hey sir, I just checked and got to know I have entered wrong dob in my jee mains application form and since now correction time is over, am too worried what should I do now,

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Insurance, Stocks, MF, PF Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 24, 2024Hindi

Money

Hello i am almost 30 now I have invested around 40 lakhs in Market (mutual funds plus equity) 6 lakhs ppf maybe 2 lakhs pf I have parental property of combining around 2.5cr I have my parents helath insurance from a private insurance company, also covered by cghs health scheme,so no major worries about health expenses, for me i have 10lakhs health insurance Apart from this we have family pension also. As of now overall i have a monthly income of around 2-2.25 lakhs. I have a car a bike a scooty all valid for next 8-10 years What should be my goal amount for the retirement, i want it as early as possible As per the current scenario i am assuming i will live max till 75 years age. As of now i can invest 80-90k per month Yet to be married i assume i need atleast Lakhs per month as of now What should be the ideal amount with which i can retire

Ans: Hello;

Hope you have adequate term life insurance for yourself.

You may start a monthly sip of 90 K in a combination of pure equity mutual funds.

After 10 years your sip and lumpsum investment will grow into sums of 2.09 and 1.24 Cr respectively.

This adds upto 3.33 Cr. If you add your ppf and EPF corpus then this should add upto a sum of around 4 Cr.

If you invest this corpus in a conservative hybrid debt fund and do a SWP at the rate of 3.5%, you may expect a post tax monthly income of
1 L+.

As you get married your expenses will rise as also the need to plan for various other goals.

Therefore the decision to retire from regular 9-6 job should be backed up with alternate business plan or such other plan to monetize your hobbies that may yield income over atleast next 10-15 years.

Best wishes;

Radheshyam Zanwar |1112 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 24, 2024Hindi

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My cousin got 60 marks in neet ug and 70% marks in 12th.Can he take admission foreign university with this score.Will he be able to cope up with mbbs syllabus.

Ans: Hello dear.
You did not mention his NEET passing year. Yet if it is assumed that he appeared for NEET in 2024, it might be too late to take admission to any foreign university. Please consult with the consulting firms that deal in the admission process to foreign universities. Now related to your query about whether he will cope with the syllabus, will depend upon the ability of the student to do hard work. Even though a student scores less in 12th grade or NEET, if he puts a lot of effort into MBBS, then it is possible for him to excel in the subjects. There is no relation between the subjects of 12th grade and the MBBS syllabus. If your cousin is comfortable with Biology, then he can easily cope with the syllabus.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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Question by Singh - Dec 23, 2024Hindi

Relationship

Sir mere best friend ka jo ex boyfriend tha uski shadi fixed ho gayi hai. Aur woh meri friend se last time meet karne ke liye bula raha hai. Meri friend mujhse suggestion mang rahi hai infact sath chal ne ke liye bol rahi hai. Please suggest me usse kaise aur kya samjhaun.

Ans: Dear Sonalee,
I am not sure if it's such a good idea to go and meet her ex, but if that's what she needs to do for closure, then other than supporting her, there isn't much you can do. I know it sucks to see our loved ones in pain and making choices that will cause them more pain, but in some cases, we have to let them make their own decisions. Go with her since she is asking you to; look out for any kind of tricky situation and be there for her because it won't be easy.

Best Wishes.

Milind Vadjikar |795 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 24, 2024

Asked by Anonymous - Dec 07, 2024Hindi

Money

Hi sir, 52 yrs old Government servant Have savings of 2 crore, have two houses presently 06 yrs to retire No debt Liabilities are higher education of two daughters Will get total 4 crore as retirement corpus and will have savings of about 01 crore after doing all expenses Pension will be around 1.75 lakhs monthly Is it sufficient?

Ans: Hello;

If your current regular monthly expenses are 1 Lac or below then it looks okay.

Do take some good health insurance apart from coverage in government healthcare scheme for pensioners.

Best wishes;

See more questions »

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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