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Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Jan 09, 2024

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

Asked by Anonymous - Dec 27, 2023Hindi

Money

i am new to stock market wants to invest in SIP, what are the good stocks to start with for long term?

Ans: If you are new to the markets, start a SIP for the long term.

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

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Question by Dinesh - May 01, 2023Hindi

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I interested to invest by SIP in high divedend paying stock. wich are the best ?

Ans: rather buy a high dividend yield mutual fund. do a SIP and enjoy good dividends

Disclaimer: Views expressed here are for your understanding and analysis. pl speak to your financial advisor before taking any decision.

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Feb 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi

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Which is the best SIP currently where i should invest

Ans: pick a good large cap mutual fund if you like, and a mid and small cap mutual fund. invest regularly in both. do it on a monthly basis

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Stock Market Expert - Answered on Mar 06, 2024

Asked by Anonymous - Mar 05, 2024Hindi

Money

Sir, Im planning to start SIP of 50k (Apart from MF SIP) in stocks as investment for period of 10 - 15 years. Plz suggest the best stocks

Ans: As per regulatory compliance no new stock recommendation can be mentioned, I would suggest you to visit a SEBI Registered Investment Advisor and seek advice from them. The following link will help you to find the nearest Adviser for you.
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Ramalingam Kalirajan |7367 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Money

Hello sir, I am just new in sip. I wanted to what will be the best way to start? Which ones to choose to get good returns in long term? My risk appetite is medium or above. Thank you

Ans: Starting Your SIP Journey: A Guide for New Investors
Welcome to the world of SIPs! Starting your SIP journey is an exciting step towards building wealth for the future. Let's explore the best way for you to begin and identify suitable investment options for achieving good returns over the long term.

Congratulations on taking the initiative to start your SIP journey! Your decision to invest in SIPs demonstrates a proactive approach towards securing your financial future.

Understanding Your Investment Goals and Risk Appetite
Investment Goals:
Define your financial goals and objectives, considering factors such as retirement planning, wealth creation, or education funding.
Establishing clear investment goals will help you select SIPs that align with your objectives.
Risk Appetite:
Assess your risk tolerance to determine your comfort level with market volatility.
Since you indicate a medium to high risk appetite, you may consider equity-oriented SIPs for potentially higher returns.
Choosing SIPs for Long-Term Growth
Equity Mutual Funds:
Equity mutual funds have historically delivered higher returns over the long term compared to other asset classes.
Consider diversified equity funds, large-cap funds, multi-cap funds, or thematic funds based on your risk appetite and investment horizon.
Balanced Funds:
Balanced funds, also known as hybrid funds, offer a mix of equity and debt investments, providing a balanced approach to risk and return.
These funds can be suitable for investors seeking moderate risk exposure with relatively stable returns.
Thematic Funds:
Thematic funds invest in specific sectors or themes, offering exposure to emerging trends or industries.
While thematic funds can potentially generate higher returns, they also carry higher risk due to concentrated exposure.
Constructing Your SIP Portfolio
Diversification:
Maintain a well-diversified SIP portfolio across different asset classes, sectors, and fund categories to reduce risk.
Avoid concentration in any single investment or sector to mitigate the impact of market fluctuations.
Regular Review and Rebalancing:
Periodically review your SIP portfolio to assess performance and ensure alignment with your financial goals.
Consider rebalancing your portfolio if necessary to maintain the desired asset allocation.
Getting Started with SIPs
Selecting SIPs:
Research and shortlist mutual funds based on their track record, fund manager expertise, investment philosophy, and risk-adjusted returns.
Consult with a Certified Financial Planner to identify SIPs that align with your financial goals and risk profile.
Systematic Investing:
Start your SIPs with an amount you are comfortable investing regularly, considering your cash flow and financial obligations.
Set up SIPs for a fixed amount at regular intervals (e.g., monthly or quarterly) to benefit from rupee cost averaging.
Conclusion: Embarking on Your SIP Journey
Starting your SIP journey requires careful consideration of your investment goals, risk appetite, and fund selection. By choosing suitable SIPs aligned with your long-term financial goals and regularly monitoring your portfolio's performance, you can lay a solid foundation for wealth creation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Career Counsellor - Answered on Dec 29, 2024

Question by khansamreen - Dec 28, 2024Hindi

Career

i want to do graduation i did my 12 in 2017 from cbse board and i want to do my 12 from.nios again

Ans: Khansamreen,

• Understand Who Can Apply: NIOS allows re-enrollment for students who finished 10th or 12th grade in 2017.
• Visit the NIOS website or student page at sdmis.nios.ac.in.
• Sign up online: Click on the "Register" or "Admission" tab and select Senior Secondary (12th) from the list.
• Choose your stream and subjects: Stream 1 is for new students only. Stream 2 is for those who want to improve their performance. Streams 3 and 4 are for exams that can be taken anytime.
• Send online files: Digital copies of 10th and 12th grade report cards, proof of address, and a passport size picture.
• Pay fines: Online payment is accepted for admission and test fees.
• Provide proof of identity: Confirmation email or text message with admission number and other information.
• Receive class materials and study guides: NIOS sends study tools to registered students.
• Prepare for tests: Tests are given twice a year in April/May and October/November.
• Get an admit card from the NIOS site and go to the assigned exam center.
• Keep in mind: NIOS certification is valid for college and government work.
• Tests can be taken separately and completed in five years. All The BEST for Your Prosperous Future, Ayush.

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Insurance, Stocks, MF, PF Expert - Answered on Dec 29, 2024

Question by Shobha - Dec 28, 2024Hindi

Money

My Brother-in-law was deceased and my Sister is the second wife to him, he told he was divorced and married her and he mentioned her name as nominee in his policy, after my brother-in-law deceased, his first wife came with two children claiming that they were not divorced, and she got the FMC, the policy company was asking for legal heir certificate to approve the amount, please advice

Ans: Hello;

This is a peculiar case.

Hence I recommend you to seek advice of a lawyer.

Best wishes;

Nayagam P P |4006 Answers |Ask -Follow

Career Counsellor - Answered on Dec 29, 2024

Question by Yash - Sep 09, 2024Hindi

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Which fitjee branch is best in delhi based on current faculty

Ans: Yash, to save time and prevent travel, it is quite preferable to join NEARBY Centre to your residence. For instance, if you live near Moti Bagh/RK Puram/Munirka/Katwaria Sarai etc., choose South Delhi Branch. All The BEST for Your Prosperous Future, Ayush.

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Career Counsellor - Answered on Dec 29, 2024

Asked by Anonymous - Oct 13, 2024Hindi

Career

Sir, my name is ayush Chaudhary. I am from uttar pradesh. I am pursuing my graduation degree BA in hours from Lucknow University teer 3 college reason. I can understand english almost and I can speak english little bit. Now, what are career options that I can pursue.

Ans: Ayush, Here are some Career Options Following a Bachelor of Arts (BA) (Hons) for you, based on your Commitment (financial / non-financial) Interest, Aptitude, Attitude, Interest, Orientation Style & Personality Traits:

• Civil Services (UPSC or State PSCs): Prepare for UPSC or Uttar Pradesh PSC exams while pursuing graduation.
• Teaching or Academia: Pursue a B.Ed post-BA to qualify for teaching positions in schools.
• Content Writing and Journalism: Start with freelance writing jobs or internships. Consider a postgraduate diploma in Journalism or Mass Communication.
• Sales and Marketing: Apply for jobs in FMCG, real estate, or insurance sectors and improve communication skills.
• Customer Service and BPO Jobs: Apply to companies with customer support operations and gain initial experience.
• Digital Marketing: Take online courses on platforms like Coursera or Udemy and start working as a freelancer.
• Government Jobs: SSC CGL, CHSL, Railways, Banking (IBPS, SBI PO/Clerk), and Uttar Pradesh government jobs.
• Law (LLB): Pursue a 3-year LLB after BA and become a lawyer.
• Social Work: Pursue a Master’s in Social Work (MSW) or join NGOs for on-ground experience.
• Entrepreneurship: Take small courses in business or entrepreneurship and seek guidance from mentors or incubators.
• Skill Development: Improve English Communication, Computer Skills, and Certifications.
• Steps to Take Right Now: Evaluate Interests, Start Learning, Network, Apply for Internships, and Prepare for Competitive Exams.
All The BEST for Your Prosperous Future, Ayush.

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Nayagam P P |4006 Answers |Ask -Follow

Career Counsellor - Answered on Dec 29, 2024

Question by Kishore - Dec 02, 2024Hindi

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What should a person expect his salary from other company base on his 5+ years of experience in service sector companies. (Ex. Position as SPE, Present salary is 4.5 lac) Please advice.

Ans: Kishore Sir, Before addressing your questions, if time allows, I kindly suggest attending the complimentary webinars offered by Vikram Anand, Sakshi Chandrasekar, and Sawan Kapoor, who possess specialized expertise in Resume Building, Salary Negotiation Skills, and LinkedIn Profile Building. They offer a wealth of insights during their complimentary webinars, which can be extremely beneficial for refining your Resume/LinkedIn Profile and enhancing your Interview/Salary Negotiation Skills. You have the choice to decide whether to opt for their paid services.
Now coming to your question. Compensation expectations for individuals with five years of service sector experience are influenced by industry norms, location, talents, and firm. Industry norms suggest that mid-level jobs with five years of experience typically pay 30-50% of the current wage. Higher offers may be available for specific skills, certifications, or higher-paying industries. Location also plays a role, with higher salaries in urban areas and high-growth industries. Researching salary benchmarks and focusing on non-financial advantages can help negotiate better offers. The typical pay range is between 6-7 LPA for those with five years of experience.
All The BEST for Your Prosperous Future.

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Nayagam P P |4006 Answers |Ask -Follow

Career Counsellor - Answered on Dec 29, 2024

Question by Jivraj - Dec 06, 2024Hindi

Career

which is the best LAW institute in PUNE for LLB for retired PERSON ?

Ans: Jivraj Sir, Starting an LLB degree for a retired person is a desirable goal in Pune, where there is no upper age restriction for registering in a three-year LLB program. Some prestigious Pune law schools include Symbiosis Law School Auditorium, ILS Law College, Vidyapeeth Deemed University Bharati Academic Building of New Law College, Law School Navalmal Firodia Law College, and Sinhgad Law College. Factors influencing enrollment include having a bachelor's degree from a reputable university, admission tests like MH CET Law, and a curriculum covering constitutional, criminal, and corporate law. To apply, research colleges' websites, prepare for entry tests, apply to selected universities, and engage with admissions staff. Pursuing an LLB can be rewarding with intellectual stimulation and opportunities to help the legal sector. All The BEST for Your Prosperous Future, Sir.

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Nayagam P P |4006 Answers |Ask -Follow

Career Counsellor - Answered on Dec 29, 2024

Question by SANJAY - Dec 20, 2024Hindi

Career

AGE 57, M, GRADUATE, WITH SPOUSE AGE 53, EARLY RETIRE FROM PRIVATE JOB DUE TO FACTORY CLOSED, HAVE ONE FEMALE CHILD 24, SHE IS DOING JOB. FINANCIAL STABLE, HAVING GOOD AMOUNT FOR ON GOING LIFE OR LIKE RETIRE LIFE, NOW A DAYS I AM AT HOME WITH NO WORK, WHAT TO BE DONE FOR FULL DAY TIME PASSING.

Ans: Sanjay Sir, Financial stability and meaningful activities can lead to happiness and fulfillment. To maximize daily time, consider re-discovering interests, participating in social events, and sharing knowledge with future generations. Stay physically active through exercise, travel, reading, writing, and participating in local events. Support family by planning family events and providing guidance. Consider consulting or light work in your field, or start a low-stress entrepreneurial venture. Work on reflective or spiritual practices like yoga and meditation. A daily schedule should include morning walks, yoga, writing, light work, volunteer work, socializing, and spending time with family. This will help you find happiness and direction in your life. All The BEST for The Prosperous Future of All of Your Family Members, Sir.

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Nayagam P P |4006 Answers |Ask -Follow

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Question by Jadu - Nov 29, 2024Hindi

Career

I currently have package of 18 lac per annum in Ahmedabad . I have an offer of 1 Lac per annum in Rincon, Georgia USA . What should i do in this case ?,Please advice

Ans: The decision to move to the United States or Ahmedabad depends on several factors, including financial stability, career development opportunities, individual considerations, immigration and visa policies, and revenue consequences. The current salary in Ahmedabad is nearly $22,000 annually, while in Rincon, Georgia, it is $100,000 annually. The cost of living in the US is higher, but the cost of living in small American towns is reasonable compared to urban areas. The after-tax compensation in the US can range from $70,000 to $75,000. The American way of life offers opportunities for travel, improved infrastructure, and cultural differences. The decision should also consider long-term plans, immigration and visa policies, and the potential for dual-taxation concerns. If money and career progress are priorities, moving to the US can provide greater income, fresh experiences, and better opportunities for professional development. All The BEST for Your Prosperous Future.

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Nayagam P P |4006 Answers |Ask -Follow

Career Counsellor - Answered on Dec 29, 2024

Asked by Anonymous - Nov 21, 2024Hindi

Career

I am feeling stuck in your IT job and desperately want to make leave my IT job, but unsure about what to do next. Please advise.

Ans: Getting stuck in your current job can be a chance for professional reevaluation and significant development. To do this, evaluate yourself, identify areas of discontent, analyze your strengths, and consider your values. Explore employment alternatives based on your hobbies and aptitudes, such as reskilling or uplifting in fields like computing, artificial intelligence, or digital marketing. Consider new sectors like EdTech, HR, or public policy. Schedule a changeover with at least six months' worth of savings, explore side gigs, network, and seek guidance from successful transitioning professionals. Act now by looking for positions related to your hobbies, negotiating internal moves, remaining receptive to possibilities, and prioritizing remote or flexible employment. Seek help if stress becomes intolerable. All The BEST for Your Prosperous Future.

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Ramalingam Kalirajan |7367 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Question by jitendra - Dec 28, 2024Hindi

Money

Requesting you, to help me, regarding midcap 150 etf of mirae asset midcap 150 etf for longterm through SIP

Ans: Let us review the suitability of investing in a mid-cap 150 ETF for the long term via SIP.

Understanding ETFs and Their Characteristics
Passive Management: Midcap ETFs replicate an index like the Nifty Midcap 150.

Cost Efficiency: They offer lower expense ratios compared to actively managed funds.

No Active Decision Making: They do not try to outperform the market but track the index.

Volatility Concerns: Midcap indices are more volatile than large-cap indices.

Returns Depend on Index: The ETF's performance mirrors the performance of its benchmark.

Disadvantages of Investing in Midcap ETFs
Lack of Active Management
Mid-cap stocks are highly volatile.

Active fund managers can adjust portfolios to limit risks during downturns.

ETFs lack this flexibility, as they strictly follow the index composition.

Limited Flexibility in Rebalancing
Market conditions often demand sector rotation or stock-specific decisions.

Actively managed funds adapt to such conditions, but ETFs cannot.

Tracking Errors
ETFs may not perfectly replicate the index due to tracking errors.

This can affect returns, especially over the long term.

Why Actively Managed Funds May Be Better
Fund Manager Expertise
Skilled managers can outperform the index by selecting high-growth stocks.

They can mitigate risks in falling markets through tactical decisions.

Flexibility in Stock Selection
Active funds are not limited to a predefined basket of stocks.

Managers can select fundamentally strong stocks beyond the index.

Potential for Higher Returns
Actively managed funds have historically outperformed midcap indices over long periods.

This makes them a better choice for wealth creation in the mid-cap segment.

Recommendations for Long-Term Mid-Cap Investments
Diversify: Include actively managed mid-cap funds instead of relying solely on an ETF.

Professional Guidance: Invest in regular plans via a Certified Financial Planner.

Monitor Performance: Review fund performance every 6–12 months.

Manage Risk: Avoid overexposure to mid-cap investments due to their volatility.

Final Insights
While Mirae Asset Midcap 150 ETF is a low-cost option, it has limitations.

Active mid-cap funds can better navigate market volatility.

They provide the flexibility and expertise required for wealth creation.

For long-term SIPs, consider balanced exposure to actively managed funds. This ensures both growth and risk management over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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