I am 42yrs old with savings in GPF only. Ready to invest in MF for 20yrs & my Goals being child education 20lakh after 5 yrs & retirement corpus of 2CR. Kindly suggest Mutual funds and SIP amount to achieve above goals.

Ans: Hello there!!
"The greatest success in not in never failing, but getting up every time you fail"!
It's time for you to get up and move!!
With the information you have given me, the conclusions I have drawn are that-
1. you are a person who is aware of what went wrong, this itself is a blessing. There are many who just move in life without being aware.
2. you are still working, you have a job at an MNC. That's good!! Had you been so bad as you are describing yourself, you would not be still working, so cheer up!!
3. you have a caring wife, she is trying to cheer you up .You are lucky.
4 . you are an intelligent man, hence you did well in your job initially

Now the way forward-
1. with so little information you have given me , I have listed 4 things you need to be grateful for. Every morning you'll count your blessings and write them down or say it aloud. You'll repeat this activity before going to sleep.
2. spend 20 mins walking amidst nature. Physical activity and spending time in nature is a must everyday. I am sure taking 20 mins in a day for this should be easy.
The above two activities will make your depressive mood run far away from you.

Next plan of action ,for you to move further in you career-
1. first and foremost forgive yourself for your carelessness and laid back attitude. Past is past ,forget it.
2. plan every action of yours with one leg in the future, is there a new skill set you need to learn or improve upon your Image, Soft skills , leadership skills , etc in order to have an edge over others. Think about it and learn new skills.
3. do not compare yourself with anyone, it's your journey at your own pace. Compare yourself with others if you feel inspired else do not compare.
4. you are just 41.... there is still a long life ahead. Don't beat yourself down for a few mistakes ...Just look ahead now...Look forward to a beautiful future with your family.

All the very best!!

Ans: no such announcement

Ans: 1 share for every 21 ispat hence 9shares

Ans: Degrowth in Revenue and Profit
Declining Net Cash Flow : Companies not able to generate net cash
Major fall in TTM Net Profit
Highest fall from 52 Week High

Ans: Hi !!Could you please elaborate a little more about yourself . Tell me little more about your problem so that I can help you. TC

Ans: Hello. Thank you for connecting with us. Congratulations to your daughter on scoring an 80 percent in PUC science.Let me tell you that, yes, she can pursue medicine in the USA. There are certain prerequisites for which she needs to get her profile assessed with the experienced counselors. Many universities consider students with good academic backgrounds for scholarships.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: Hello Rex. First and foremost, thank you for contacting us. All the best to your son for his +2 results and NEET examinaton. Considering his interests in the field, he has good options to pursue a variety of programs. He can choose to pursue an MBBS or an undergraduate degree in Biomedical Science or Biotechnology. It is advised to do some research in the biotechnology sector for a successful career in biotechnology and related fields. Your son can consider the USA, UK, Australia, and Canada as his ideal destinations for higher studies. However, if he has a specific destination in mind, he can let us know. We would assure him of the best guidance.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: Your diligence towards prepaying your home loan is commendable. It's a significant step towards reducing your debt burden and achieving financial freedom. However, it's essential to strike a balance between debt reduction and investment for future goals. Have you considered the potential returns you could earn by investing in the market compared to the interest saved by prepaying the loan?

A Certified Financial Planner often suggests evaluating the interest rate on your loan against expected market returns. Sometimes, investing in the market can offer higher potential returns, especially over the long term.

While reducing debt is crucial, investing also plays a pivotal role in wealth creation. It's like nurturing a tree; while pruning is essential, so is watering and providing it with the right environment to grow.

Considering your age and income, diversifying your approach by balancing loan prepayment with market investments might be worth considering. It's about optimizing your financial resources to align with both short-term and long-term goals.

Ans: It's wonderful to hear that you're considering investing for the long term. Investing with a horizon of over five years can offer the potential for growth while allowing your investments time to ride out market ups and downs. Have you thought about your risk tolerance and how comfortable you are with market fluctuations over this period?

A Certified Financial Planner would typically recommend a diversified approach to capture growth opportunities across different sectors and market caps. This can help spread the risk and potentially enhance returns over the long run.

Remember, investing is a journey, not a sprint. It's about patience, consistency, and making informed choices. As you embark on this journey, it's essential to stay updated, periodically review your investments, and make adjustments as needed.

May your investment journey be rewarding, both financially and in the wisdom it brings.