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Jigar

Jigar Patel  |208 Answers  |Ask -

Stock Market Expert - Answered on Aug 06, 2023

Nitiksha Question by Nitiksha on Aug 03, 2023Translate
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What happens when the market falls midway while you have invested for a longer term??

Ans: If you are a long-term investor don't worry about the fall. just keep adding blue chip stocks on major dips
Asked on - Sep 25, 2023 | Answered on Oct 16, 2023
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Can you suggest any good blue chip stock?
Ans: RELIANCE... HDFCBANK... KOTAKBANK...ICICIBANK....LT ....HUL....BRITANNIA...HUL...ITC
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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Vivek

Vivek Shah  |55 Answers  |Ask -

Financial Planner - Answered on Feb 14, 2023

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Should I invest more in stock market because the market has fallen ?
Ans: Hello Ms Nitika,

First of all as an investor and also managing your family finances, you need to answer following questions before deciding on additional investments in equity markets:

1) Goal or financial goal or purpose of doing investment.
This will matter a lot as a goal of child education and retirement needs to see with different perspective and also should have asset allocation and market cap exposure accordingly.

2) Time Horizon of your goals- this is very important as it will help you to select the asset class and it's allocation based on your time period of financial goals. This is where investor makes biggest mistake of misalignment of asset time cycle and goals time period. If you allign this properly, your journey will be quite smooth.

3) Optimum Return expectations on your capital invested-
If you are saving and investing for some better future to fulfill your goals offcourse you will ask something in return which should be respectable higher returns than inflation for long term period( more than 7 years). If you are investing in India than equity return assumptions and calculations should be based on 12% return expectations and debt it should be 6.5%. Remember that you should assume practical return assumptions ( not the highest or what your friend says) as you can put any number in the excel sheet for your mental satisfaction😃

4) Risk taken on your capital-
Risk is a very negative word being taken in india but actually it's the risk appetite and risk acceptance of an investor which makes his outcome/ returns favourable. Understand one thing that if you want high returns you have to assume high risk and there is no option for it or an investor has to be happy with sub optimal returns if he is not ready to take risk.

Risk according to me is the capacity of a person until where and when he will not have any palpation in his stomach and he can absorb the downside easily( both realised and majority of time unrealised).

You should remember one thing that after deciding on above parameters, TIME IN THE MARKET IS MORE IMPORTANT RATHER THAN TIMING THE MARKET. As an investor, wealth is created over a period of decade and have your allocation to equity accordingly and enjoy the journey of markets which is going to be up and down.

After looking at all these parameters you can think of taking allocations to equity stocks or equity mutual funds and decide how much additional allocation to equity stocks or equity mutual funds is comfortable to you. If you dont have any prior expertise in investing in mutual funds or equity markets, its better to hire an advisor to help you do that or start with allocation in Equity Diversified mutual funds which will help you to take exposure in stocks.

And after all that, i would say it's your behaviour and emotions management which will help you create wealth in the equity market.

I hope this helps. Happy investing
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Anu

Anu Krishna  |628 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 2023

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Hai i am 58 and retired my wife expired 30 months back i had two daughters who are working and yet to be married. very frequently these days i get dreams where i feel i am lost on my journey to somewhere or i am simply attending an office without any proper work or in my dreams i get one of my uncle (who is no more now passed away 7 years back )and his family members with whom i stayed during my studies for six years 40 years back. can you please analyse
Ans: Dear P,
I am truly sorry for your loss...

I am not a dreams analyst or someone who interprets dreams. I can only make a few guesses from what you have shared and suggest something that will guide you to be more positive and happier.
Dreams are a manifestation of deep desires, fears, dark memories, happier memories...dreams basically can indicate what lies deep within the subconscious mind. It's possible from what you share that 'LOSING' your wife has triggered many more situations where you had lost someone or you fear that you might lose someone or something. Maybe that explains the dream of you going to office without paper work...

Losing someone dear is a very difficult journey and it can show up in different ways. The only way can process grief is through time and an understanding that nothing is permanent in life. It's a momentum of give and take, having and losing...Maybe if you are able to consciously adapt and accept this, over time your subconscious mind starts to change and adapt as well. Again, I will reiterate: You certainly will still miss the person and feel sad; it's just that you will start to miss differently as the acceptance will allow you to graciously be in a space of understanding. Difficult BUT Possible!
Also, practice the Art of Gratitude. Being thankful for every little thing, lets you be in a positive space allowing you to be at peace more often.

These are only suggestions from what I could gather from the information that you have shared and not an analysis or interpretation of your dreams.

All the best!
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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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