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Ajit

Ajit Mishra  | Answer  |Ask -

Answered on Apr 01, 2020

APURVA Question by APURVA on Apr 01, 2020Hindi
Money

Please suggest for below mentioned share for long term hold or exit? 

Ans:
  • RELIANCE INDUSTRIES -- Hold
  • ICICI BANK -- Hold
  • L & T FIN -- Hold
  • ICICI LOMBARD -- Hold
  • GODREJ AGRO -- Hold
  • SBI LIFE -- Hold
  • HDFC STD LIFE -- Hold
  • AMBER -- Hold
  • BANDHAN -- Exit
  • RVNL -- Exit
  • DBL -- Exit if its Dalmia Bharat
  • L & T INFO -- Hold
  • UNITED SPIRIT (MAC D) -- Hold
  • ICICI PRU -- Hold
  • ASIAN PAINTS -- Hold
  • VARUN -- Hold
  • HEXAWARE -- Hold
  • HPCL -- Hold
  • SOV. GOLD BOND -- Hold
  • EXIDE -- Hold
  • PFC -- Exit
  • NIPPON ETF GOLD BEES -- Hold
  • RITES -- Exit
  • R SYSTEM -- The company has decent fundamentals, however the amarket cap is too low. So exit
  • BOROSIL -- Exit
  • BHARTI INFRA -- Exit
  • MASTEK -- Exit
  • ALKEM LAB -- Hold
  • STAR (STRIDES) -- Exit
  • CASTROL -- Hold
  • RBL BAK -- Exit
  • AUROPHARMA -- HOld
  • INFIBEAM -- Exit
  • MOTHERSON -- Exit
  • MAN INDUSTRIES -- Exit
  • TATA ELXI -- Hold
  • VIP IND -- Hold
  • REC -- Exit
  • IOC -- Hold
  • GRANULES -- Hold
  • CDSL -- Hold
  • MEGHMANI -- Exit
  • SBI -- Hold
  • GHCL -- Exit
  • HDIL -- Exit
  • POWER GRID -- Hold
  • DLF -- Exit
  • APOLLO MICRO SYSTEMS -- Exit
  • RAT IND POWER -- Exit
  • IFCI -- Exit
  • NTPC -- Exit
  • RIL POWER -- Exit
  • SAIL -- Exit
  • SUZLON -- Exit
  • VEDANTA- Hold
  • JM FIN -- Exit
  • COAL INDIA -- Exit
  • MOIL -- Hold
  • ARVIND -- Exit
  • KARUR -- Exit
  • GPPL -- Exit
  • MBL -- Exit
  • TATA MOTORS -- Hold only if having 3-4 years view
  • ESL STEEL (DELISTED) -- Exit
  • PARAG MILK -- Exit
  • I BULLS NCD -- Can look to exit.
  • CG POWER & I -- Hold
  • GIC -- Exit
  • BHARAT DYNEMIC -- Hold
  • HAL -- Hold
  • KARDA -- Exit
  • PETRONET LNG -- Hold
  • NOCIL -- Exit
  • UFO -- Exit
  • JKIL -- Exit
  • TFCI -- Exit
  • IRCON -- Hold
  • COCHSH -- Hold
  • ARIES -- Exit
  • HG INFRA -- Exit
  • PRECISION WIRE -- Exit
  • SANDHAR -- Exit
  • BEL -- Hold if having 3-4 year view
  • ASHOK LEYLAND -- Hold for at least 2-3 years
  • DHFL -- Exit
  • NALCO -- Hold
  • TATA POWER -- Exit
  • ENG IND -- Exit
  • IND HUME PIPE -- Exit
  • YES -- Hold
  • EMAMI -- Hold
  • GATI -- Exit
  • EQUITAS -- Exit
  • PTC FINANCE -- Exit
  • BSE -- Exit
  • GRAPHITE INDIA -- Exit
  • SREI INFRA -- Exit
  • NLC -- Exit
  • APOLLO TYRES -- Hold for atleast 2-3 years
  • SKIPPER -- Exit
  • GAIL -- Hold
  • VAKRANGEE -- Exit
  • I BULLS FIN -- Exit
  • UNITECH -- Exit
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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Sir My Age is 38 Now. Running Business In Pune city. Below are the My Assets & Liabilities. Current Values - Assets. Own Industrial Plot - Rs. 2.0 Cr Business Income Yearly Rs. 24.00 Lack Own Company Investment ( Machinery, Debtors Etc ) - Rs 2.40 Cr Mutual Fund & Share Market Investment Rs. 2.10 Cr Bank FD - Rs. 50.00 Lack Own 3 Flats in Pune - Rs. 75 lack, 50 Lack & 35 Lack ( Current Values ) Golds - Rs. 25.00 Lack Land - Agriculture - Rs. 50.00 Lack Term Insurances - Rs. 20.00 Lack ( Till Date Premium Paid ) Labilities. House Loan - Rs. 30.00 Lack ( EMI 26500.00 PM ) Loan will close after 17 years. Car Loan - Rs. 6.35 lack ( EMI 12500.00 PM ) Loan will close after 5 years. This Assets & investment sufficient for maintain 7 family members Expenses after retirement ? ( 4 Adult + 3 Children (Below 5 Years) ). I will retire at the age of 45.
Ans: Hello;

What is the expected monthly rental from industrial plot and machinery?

Are you currently occupying one of the flats mentioned here or are all of them given on rent?

Also your term life insurance is very low. You should have minimum term insurance cover of 2.4 Cr.

You have good assets in agri land, industrial land, gold, real estate but they are relatively illiquid when need arises hence term insurance cover with riders for critical care and accident benefit are an absolute must!

Considering the home loan tenure of 17 years and 3 small kids in the family to be supported for education and decent lifestyle, I am not sure if you can retire in 7 years timeframe from now.

However I would appreciate your reply to my queries above, before I give my firm view about your retirement in 7 years timeframe.

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I have around 1 crore to invest. I am 61 years old retired defence officer and pension amounting to around ?1,50,000/- per month and medically covered. Need some sound investment plan for 1 crore. Don't have any liabilities?
Ans: Hello;

You may invest your corpus into following two funds in proportion of 50:50,

1. Kotak Arbitrage fund (low risk)
You may consider modest return of 6% from this scheme.

2. ICICI Pru equity savings fund (low to moderate risk). You may consider modest return of 8% from this scheme.

Theses investments will retain purchasing power of your corpus aginst inflation and deliver some real returns too with low to moderate risk.

This is in accordance with your age and commensurate risk appetite.

Happy Investing;

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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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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