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Samraat Jadhav  |1487 Answers  |Ask -

Stock Market Expert - Answered on Jun 08, 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
Anil Question by Anil on Jun 08, 2023Translate

I have following unlisted shares. Should i Sell OR Hold. API Qty 5100 @ ₹ 97 Sterlite Tech 380 @ ₹1295 Tata Tech 430 @ ₹595 Care Health 1220 @ ₹213 Studds 200 @ ₹1498

Ans: We don't recommend unlisted shares as very limited information is available, also data authentication is a problem.
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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Financial Planner - Answered on Feb 23, 2024

Asked by Anonymous - Feb 22, 2024Translate
My partner and I, both under 35, have a combined monthly income of Rs 4.5 lakhs. We aspire to accumulate Rs 15 crores for retirement over the next 25 years. How can we optimize our financial planning to achieve this goal while also preparing for the costs associated with raising a family?
Ans: Aiming for a Rs 15 crore retirement corpus by the age of 60 is a commendable goal, and with careful planning and disciplined saving, it's definitely achievable. Here are some steps you can take to optimise your financial planning:

1. Estimate your retirement needs:

• Inflation: Consider a 7-8% inflation rate to adjust the Rs 15 crore to its future value at your retirement age.
• Lifestyle: Determine your desired retirement lifestyle and estimate monthly expenses.
• Healthcare: Factor in potential medical costs that may increase with age.

2. Analyse your current expenses:

• Track your monthly income and expenses to identify areas where you can save.
• Create a budget that allocates funds for essential needs, savings, and investments.

3. Maximise your savings:

• Increase your SIP contributions: Aim for a monthly investment of at least 50% of your surplus income after expenses.
• Explore various investment options: Diversify your portfolio across equity mutual funds (for long-term growth), debt funds (for stability), and PPF (for tax benefits and guaranteed returns).
• Employer-sponsored plans: Contribute the maximum to your Employee Provident Fund (EPF) and explore voluntary contributions.

4. Optimise your investments:

• Seek professional advice: Consult a certified financial planner for personalised investment recommendations based on your risk tolerance and goals.
• Rebalance your portfolio regularly: Maintain your desired asset allocation to manage risk and optimise returns.

5. Address family planning costs:

• Child planning: Start an SIP in a child plan to accumulate funds for education and other needs.
• Health insurance: Ensure adequate health insurance coverage for yourself, your partner, and any future children. Consider critical illness riders for additional protection.


• Early start: Starting early gives your investments more time to grow through compounding.
• Discipline: Consistent saving and investing are crucial for achieving your goals.
• Review and adapt: Regularly review your plan and adjust your investments and savings as your income, expenses, and goals evolve.

Additional tips:

• Explore government schemes like Sukanya Samriddhi Yojana for girl child education and Atal Pension Yojana for retirement income.
• Consider freelancing or side hustles to increase your income.
• Reduce unnecessary expenses and adopt a mindful spending approach.
• Remember, this is a general framework, and consulting a financial advisor can provide personalised guidance based on your specific circumstances.

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Workplace Expert - Answered on Feb 22, 2024

Asked by Anonymous - Feb 22, 2024Translate
I am a BA graduate, unemployed since 2022. After completing my education, I applied to several jobs but no one wanted to hire a fresher. What can I do to get a job? Please suggest some tips
Ans: It's definitely understandable to feel discouraged after facing challenges in securing a job after graduation. However, there are some steps you can take to improve your chances:

1. Reassess your job search:

• Target the right jobs: Are you applying for roles aligned with your BA degree and interests? Research suitable entry-level positions in your field or consider broader titles like "assistant" or "associate" related to your skills.
• Refine your resume and cover letter: Tailor them to each specific job, highlighting relevant skills and experiences, even if they're not directly work-related (volunteer work, projects, etc.). Quantify your achievements whenever possible.
• Expand your job search: Utilize online job boards, company websites, professional networks (LinkedIn), and recruitment agencies. Attend job fairs and networking events to connect with potential employers directly.

2. Enhance your skills and experience:

• Consider short-term courses or certifications: Gain relevant skills through online or offline courses in areas like digital marketing, data analysis, communication, or project management. These can enhance your resume and make you more competitive.
• Volunteer or freelance: Gain practical experience through volunteer work or freelance projects related to your desired field. This shows initiative and demonstrates relevant skills to potential employers.
• Develop soft skills: Build communication, teamwork, problem-solving, and time management skills through workshops, online resources, or even taking on leadership roles in volunteer work.

3. Network and seek guidance:

• Connect with professionals in your field: Attend industry events, join online communities, and reach out to people working in your desired roles. Informational interviews can provide valuable insights and potential leads.
• Seek career counseling: Talk to a career counselor or advisor at your university or community center. They can help you identify your strengths, explore career options, and refine your job search strategy.

Additional tips:

• Stay positive and motivated: Job searching can be frustrating, but don't give up. Stay focused on your goals and celebrate small wins.
• Practice your interview skills: Research common interview questions and practice your responses beforehand. Be confident, articulate your skills clearly, and express your enthusiasm for the role.
• Keep learning and developing: Continuous learning demonstrates your commitment to growth and adaptability. Consider pursuing further education or professional development opportunities in the future.

Remember, finding a job can take time and effort. By tailoring your approach, developing your skills, and using various resources, you can improve your chances of securing a role that aligns with your goals and qualifications. Good luck!
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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