SIP Details ongoing since last 4 years, should I continue with the same schemes or request your kind suggestion / advice. SIP amount of Rs.3000 per month in each of the MF.

1) Birla Sun Life Pure Value Fund - Growth
2) Canara Robeco Emerging Equities - Growth
3) DSP Black Rock Income Opportunities Fund - Growth
4) DSP Black Rock Small And Mid Cap Fund - Growth
5) Franklin India Prima Fund - Growth
6) Kotak Emerging Equity Scheme - Regular Plan - Growth
7) L&T Emerging Businesses Fund - Regular Plan - Growth
8) L&T India Value Fund - Regular Plan - Growth
9) SBI Magnum Midcap Fund - Growth
10) Sundaram Select Midcap – Growth

Ans: Certainly Mechanical Engineering, because it is having a very wide scope. Best of luck to him. Just follow me. GOD BLESS HIM. Professor....................................:)

Ans: Johnson & Johnson
Pfizer
Biocon
Astrazeneca
Novartis
Sun Pharmaceutical Industries
Genmab
Ionis Pharmaceuticals Inc.
Alkermes PLC
Biomarin Pharmaceutical Inc.
Panacea Biotec
Cipla
Ranbaxy
Dr Reddy's
Bharat Biotech
Serum Institute of India

Best of luck to your daughter. Just follow me. GOD BLESS HER. Professor.....................................:)

Ans: I am not entitled or empowered to give any comment about the reputation and placement opportunity of any college or institution or university. It is not ethical. If you want directly contact the Training and Placement Cell of the Manipal University Jaipur. Just follow me. GOD BLESS YOUR SON. Professor.............................................:)

Ans: Online course in AI and Machine Learning from a reputed organization which is having collaboration with some reputed IIT. Best of luck to her. Just follow me. GOD BLESS HER. Regards. Professor...............................:)

Ans: Hello;

If a mutual fund company gets sold or fails, the process is prescribed by SEBI:

In case MF company is Sold,
The new fund house may:
1. Continue the scheme with a new name and management.

2. Merge the scheme with similar funds and offer investors the option to exit without any exit load.

In case MF company shuts down,
The fund house will:
1. Pay out investors based on the fund's last recorded Net Asset Value (NAV) and the number of units the investor holds, after deducting expenses.

2. If the company is not in a position to do so then SEBI may liquidate the funds assets and distribute the proceeds to unit holders.

It is also pertinent to note that mutual fund regulation in India is one of the most stringent and hence best, from investor's point of view, globally.

This is not just in theory. We have seen how the Franklin Templeton abrupt closure of debt funds was handled with surgical precision, by SEBI, with no loss to unitholders.


Skin in the game regulation mandates that 20% salary of key mutual fund personnel and fund managers is paid in terms of units of their funds with a 3 year lock-in.

The stocks and bonds purchased by the AMC for the fund are held by a custodian, appointed by the trust that administers the fund.

The trust engages into a investment management agreement with the AMC for managing the fund as per their mandate and within regulatory guidelines.

Registrar and Transfer Agents handle the investor registration,kyc, maintaining records, providing account and tax statements etc.

Happy Investing;
X: @mars_invest

Ans: OMG Mr Manoj...please take external help, take him to a doctor and get your beautiful son back into the family fold. He needs help and a father/family needs to stand with him like a rock to get him back to living a good life. See where he goes, what he does and then talk to him!! Don't blame, don't criticize...your son needs you... Just be there for him, he is yours ...nobody can do what you can do. Love him , cherish him... get him back!!Pls take action in the best interest of your son. All the best..

Ans: Hello;

Depends on the terms and conditions of the policy but generally if you don't pay the premium for the policy then it may be converted into paid up policy by the insurance company.

You may get coverage for a reduced sum assured for the balance term of the policy and maturity payment inline with the terms of paid up policy.

But if you surrender your policy then the surrender value, as applicable, is the refund you will get in this case but the life insurance cover will come to an end.

Best wishes;

Ans: Hello;

What is your time horizon for this investment?

We can ensure a balanced asset allocation and adequate risk mitigation.

Regulation prohibits us from making future performance prediction regarding stocks or mutual funds.

However if you feel dynamic asset allocation fund(also called balanced advantage fund) is the appropriate category of mutual fund for you, then you may split your lumpsum investment equally in top funds in this category.

Happy Investing;
X :@mars_invest

Ans: Dear Anonymous,
It is very nice of you to be so considerate and sensitive while handling these cultural nuances. Let's discuss the kneeling tradition. It's a sign of respect and it's deeply rooted in Ugandan culture. While I understand your point of view, you also have to remember that it can have significant meaning to her and her family. I suggest you politely express your feelings and let her know why it is uncomfortable for you to see her family kneel. When you explain, mention how much her culture means to you as well. I am sure both of you can communicate and come to a compromise that makes you both happy. Just in case, they persist in following the ritual, just look at it as a gesture of love and respect and not submission.

About the moving in together part, in certain parts of the world, couples living together before the traditional wedding is not considered respectful. But since you are already married, you can try explaining to your wife how the living situation does not go against her cultural expectations. But if it is a really big deal for her and her family, consider seeing it from her perspective.

Communication is everything here. Look at every problem as a team; it's not your problem vs her problem. It's both of you vs the problems.

I hope this helps