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Samraat Jadhav |2136 Answers |Ask -Follow

Stock Market Expert - Answered on Jul 20, 2023

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Question by Dharam on Jul 14, 2023Hindi

Money

Is good to do trading in option on NIfty 50 I have lost very heavy. Advice please

Ans: NOT AT ALL. Its a Casino, please understand that derivative instruments are made for hedge and not to do naked trading. Dont fall prey for all the gimmicks going around. In my 18yrs of stock market career I have never seen a single person making wealth from trading. Use stock market only for Investing purposes, identify good company and stay invested.

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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Samraat Jadhav |2136 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 30, 2023

Question by Jaideep - Jun 29, 2023Hindi

Money

I have lost 16 to 20k in options ,plan to recover them but understood crazily tryi g to do so will incur more losses ,have joined some groups whose free tips accuracy is 60 percent . Any advise how to recover the losses,m patient enough .should I try on their advises due to loss my risk taking appetite has wastly reduced i leave even sure short trade many times

Ans: Hi Jaideep, Making money through options is same like Casino and I have never seen any person earning from casino in longer period hence stop doing revenge trading and focus on investing, buy quality stocks, be with the journey of the growth for the company and you will also make good money.

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.

Samraat Jadhav |2136 Answers |Ask -Follow

Stock Market Expert - Answered on Aug 16, 2024

Question by SUNIL - Nov 28, 2023Hindi

Money

I M 47 YEAR OLD AND I HAVE LOST MY WHOLE LIFE SAVING IN OPTION TRADING FROM LAST 3 YEARS. DUE TO COVID THERE WAS NO WORK AND JUST I GOT THIS PLATFORM WHICH HAS CHANGE MY GOOD GOING LIFE IN WORST CONDITION.

Ans: trading in equities or in option is not a part of stock market, stay away from all these

Samraat Jadhav |2136 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 01, 2024

Asked by Anonymous - Mar 17, 2024Hindi

Money

Hi sir. I lost almost 45 Lakhs in options. How can I recover that please help me

Ans: there is no concept of recovery in stock markets specially in trading. Invest in a discipline way and keep compounding your money.

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Milind Vadjikar |826 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by Cm - Jan 01, 2025Hindi

Money

What happens if UAN is not activated due to name mismatch?

Ans: Hello;

You will have to resolve the name mismatch by following the due process.

Else your UAN will remain inactive and you may not be able to use online services offered by EPFO.

Best wishes;

Milind Vadjikar |826 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 21, 2024Hindi

Money

I am having about 2 lakh in my PF out of which, ,I am allowed to borrow 1.5 lakh for housing purpose. After borrowing 1.5 lakh I am willing to pay the amount back to PF in small installments every month other than employee contribution. But my employer never entertain the voluntary contribution. Is there any other way to return back the amount borrowed from Provident Fund.

Ans: Hello;

You may consider it as partial withdrawal from EPF for house purchase.

No need to repay it. It's your own money which you are allowed to partially withdraw subject to certain conditions.

However your PF kitty will need to be replenished through regular contributions.

Best wishes;

Milind Vadjikar |826 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by VEDANTAM - Jan 02, 2025Hindi

Money

Hdfc Std Life always lags it's peers, particularly not doing well at all of late. Returns have dwindled. Recommendation?

Ans: Hello;

It is fundamentally a good stock however my view is that in the short to medium term (2-5 yrs) it may test your patience with not much movement anticipated however for a long term horizon(5 yr+) outlook is quite positive.

You may consult a sebi registered research analyst for more appropriate feedback.

Best wishes;

Milind Vadjikar |826 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Asked by Anonymous - Dec 30, 2024Hindi

Money

I am 57 years old, have 3 cr in stocks and mutual funds, and I intend to invest another 2 cr because I make 1 cr a year. After reiteration, my monthly expenses would be 2.0 lacs. Could you please tell me if this is enough money to retire?

Ans: Hello;

You will need a minimum corpus of 6 Cr to generate post-tax monthly income of 2.1 L+ through annuity.(6% annuity rate considered)

After fulfilling monthly expenses you may do a monthly sip of around 10-15 K in a relatively low risk hybrid fund.

This can grow into a corpus of 40-60 L in 15 years which may be used to enhance annuity income for inflation.(9% returns considered)

Best wishes;

Milind Vadjikar |826 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by Rajesh - Dec 19, 2024

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Hi, My age is 42, salaried 1.5 lakhs per month in chennai, 2 school going kids. Own appartment worth 50 lakhs-- 8 yrs to complete the loan. also own Ancestor property 2 houses in same city. Wife working as teacher in small school. Regarding expenses, home loan 45k, house hold expense 50k, gold -7K, Mutual funds-- 15K, Shares--10K, NPS--- 5K. Till date my total savings is equity portfolio 21lakhs, Mutual fund-6 lakhs, EPF - around 23 lakhs i plan to retire in next 10-12 years, expecting my corpus atleast 3 to 5 crores, can you suggest best way to realign my portfolio Tnx in advance

Ans: Hello;

What is the current value of your share in the ancestral property?

Are you in a position to sell it whenever you want or it depends on concurrence of other people?

Please clarify.

Thanks;

Prof Suvasish Mukhopadhyay |271 Answers |Ask -Follow

Career Counsellor - Answered on Jan 03, 2025

Asked by Anonymous - Dec 28, 2024Hindi

Career

Hello sir,I am recent graduate from ECE and it's already been 6 months and I am not able to get a job and now I am confused what to do next please guide me

Ans: Go for an online MBA. At least there will be no gap in your Bio-Data. Parallelly search for job. Always keep your Bio-Data updated and there should not be time gap in your Bio-Data. Best of luck. Just follow me. May God Bless You. Professor..................................:)

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Career Counsellor - Answered on Jan 03, 2025

Question by Ashu - Jan 02, 2025Hindi

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?? ??? Central institute of perto camical and technology CIPET lucknow ??? lateral entry ?? ????? (plastic) 2nd year 2022 ??? ?????? ???? ?? 3rd ?? 4th semester ?? ???? ???? ??? ??? 2023 ??? 5th ?? 6th semester ?? ???? ???? ?? ???? ???? ?? ???? ?? ??? B.tech final ???? ???

Ans: Follow the website of the exam authority. Professor

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Career Counsellor - Answered on Jan 03, 2025

Asked by Anonymous - Jan 03, 2025Hindi

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Hello, planning to appear for the CUET PG exam this year. I am 24, working full time in Mumbai. I am not clear about the frequency of the exam. Is CUET PG conducted only once a year, or I can choose the date? Are there any changes in the exam that I should be aware of?

Ans: Please search in net. I am not the right person to guide you about exam date. Be in touch with the exam authority. Best of luck. Just follow me. May God Bless You. Professor..................................:)

Milind Vadjikar |826 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 03, 2025

Question by LetsExplore - Dec 29, 2024

Money

Which bank should I invest for Fixed deposit with higher interest rates and lower risks?

Ans: Hello;

Higher interest rates are always associated with higher risks.

Return of Capital is more important than return on Capital.

Make your FDs with big Govt banks or large private banks of repute.

Best wishes;

Mihir Tanna |982 Answers |Ask -Follow

Tax Expert - Answered on Jan 03, 2025

Question by Chandravijay - Jan 03, 2025Hindi

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UAE nowadays does not issue TRC. Is it true?

Ans: Yes after introduction of corporate tax, for future period they will not provide TRC. In case of our client, we have received TRC in March 2024.

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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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