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Jigar Patel |267 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 05, 2023

Jigar Patel is a senior manager (technical research analyst) at Anand Rathi Shares and Stock Brokers.
He has around seven years of experience in the stock markets and specialises in sharing outlooks based on technical analysis.
Patel has a PGPM (Finance) certification from the International Institute of Finance Markets.... more

Question by SURESH on May 29, 2023Hindi

Money

Sir I have 17 shares of Balaji AMines @ 3953/- WHEN IT WILL REACH UPTO A LEVEL

Ans: 2-3 yrs

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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Question by KULDEEP - Mar 22, 2023Hindi

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Please tell me about Adani Enterprises share I have 240 shares @ 1975/-. It will touch 2500 level in how much time

Ans: CANT GIVE PRICE TARGETS, BUT THIS IS A SOLID COMPANY FOR THE LONG TERM AND IS THE FLAGSHIP COMPANY OF ADANI'S. KEEP HOLDING !

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Question by SureshMehta - May 15, 2023Hindi

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I have 40 share of Nykaa @ rs.,204 should it will reach at this level

Ans: it will reach in longterm

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Question by Srinivas - Jun 16, 2023Hindi

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Have 30 shares of Balaji Amines @3300 , what should be done with this stock.

Ans: Decline in Net Profit with falling Profit Margin (QoQ)
Decline in Quarterly Net Profit with falling Profit Margin (YoY)
Declining Revenue every quarter for the past 4 quarters
Fall in Quarterly Revenue and Net Profit (YoY)
3300 price is difficult in next 1year to achieve, Take decision accordingly.

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.

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Question by Manoj - Sep 06, 2023Hindi

Money

Dear Sir, I have 2222 shares of Equitas small finance @ 55

Ans: You have brought at a good price, hold it as Data is good.
Growth in Quarterly Net Profit with increasing Profit Margin (YoY)
Increasing Revenue every Quarter for the past 4 Quarters
Good quarterly growth in the recent results

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.

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Ramalingam Kalirajan |870 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 25, 2024Hindi

Money

Hello sir, I have started investing recently through monthly SIPs of Rs.5000 in ICICI equity and debt fund, Rs.6000 in Bandhan Elss fund, Rs.7500 in UTI Nifty 50, Rs.5000 in Parag Parikh Flexi cap, Rs.2000 in Mirae Asset Large Cap and Rs.1500 in kotak Flexi cap Also, I have 300000 in PPF. And I am planning to invest 150000 yearly in it and 2.18 lakh already invested in ELSS funds since the last 3 years and their XIRR is 15.10% today. How much return I can expect in 15 years? What changes I should do in my portfolio?

Ans: It's commendable to see your proactive approach towards investing. Your portfolio showcases a balanced mix across equity, debt, and tax-saving instruments, which is a good start.

Now, looking ahead 15 years is a bit like gazing into a crystal ball. The returns you can expect will depend on various factors like market conditions, fund performance, and economic trends. While past performance can give us some insights, it's not a guarantee of future returns.

Your current XIRR of 15.10% from ELSS funds over three years is a positive sign. This suggests that your investments are performing reasonably well.

As for the PPF and the SIPs, they're both solid choices for long-term investing. PPF offers tax-free returns and has a guaranteed interest rate, while SIPs provide the benefit of rupee-cost averaging and potential market-linked returns.

However, to optimise your portfolio further, we might consider:

Diversification: Ensure a broader asset allocation across various fund categories.
Review and Rebalance: Periodically review and rebalance your portfolio to align with your goals and risk tolerance.
Tax Efficiency: Keep an eye on tax implications to maximise post-tax returns.
Given the dynamic nature of markets, it's essential to review and adjust your portfolio periodically.

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Ramalingam Kalirajan |870 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 25, 2024Hindi

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Ramalingam Kalirajan in which mutual funds have you currently invested?

Ans: I completely understand your curiosity, but as a Certified Financial Planner, I believe in the utmost confidentiality when it comes to my clients' portfolios. Each person's financial situation, goals, and risk tolerance are unique, requiring a customised approach.

Mutual fund selection is not a one-size-fits-all scenario. It's much like selecting ingredients for a recipe; what works wonders for one might not suit another. Personalised guidance allows us to tailor investments that align with your specific needs, aspirations, and financial landscape.

When we meet, I'll take the time to understand your goals, assess your risk appetite, and then recommend mutual funds or other investment avenues that could be a good fit for you. Our one-on-one discussion will enable us to craft an investment strategy that's not just about numbers but also about understanding and aligning with your life's philosophy and goals.

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Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Question by Nilay - Apr 25, 2024Hindi

Money

Hello sir, I need to invest around 30-35k a month, can you please suggest good SIPs, ELSS funds. I can connect with you and pay the fees too. Please provide your contact details

Ans: It's wonderful to hear that you're considering investing regularly. Investing is like planting seeds; with care and patience, they grow into strong trees providing shade for years to come. When you think about the future, isn't it reassuring to know you're taking steps to nurture it?

SIPs (Systematic Investment Plans) and ELSS (Equity Linked Saving Schemes) can indeed be great avenues to consider. SIPs allow you to invest small amounts regularly, making it manageable and less intimidating. ELSS funds, on the other hand, not only offer potential growth but also provide tax benefits, which can be a boon.

As a Certified Financial Planner, my aim is to guide you towards choices that align with your goals and risk tolerance. We'll delve into your aspirations, understand your financial landscape, and choose options that resonate with your journey. It's a partnership where your dreams and our expertise converge.

I appreciate your trust and willingness to connect. Let's embark on this financial journey together. You can reach me at the details provided in my profile https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137

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Komal Jethmalani |303 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Apr 26, 2024

Question by Kiran - Mar 06, 2024Hindi

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My fasting sugar normally 120 to 130 & post meal sugar 170 to 180. How I maintain sugar level?

Ans: Your fasting blood sugar levels are out of range. Adopt lifestyle modifications like following balanced diet including complex carbohydrates like whole grains (brown rice, quinoa, oats), legumes, and vegetables, healthy fats like avocados, nuts, and olive oil, lean proteins like fish, poultry, tofu, and beans. Avoid refined, sugary ,high fat, fast foods etc. Stay physically active. Regular exercise improves insulin sensitivity and helps manage blood sugar levels. Aim for at least 150 minutes of moderate-intensity aerobic activity per week.

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Dietician, Diabetes Expert - Answered on Apr 26, 2024

Question by Balkrishna - Mar 06, 2024Hindi

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I m 67 years age and my hba1c is 10.2 and fasting sugar is 243 I m taking insulin 12 units of Novo Rapid flexi pen 3 times In a day morning, afternoon and night before food and Toujio 12 units at 5 pm.

Ans: It is advisable to consult your physician about your insulin dosage as your blood sugar levels are very out of range. Dietary modifications can include foods like complex carbohydrates like whole grains (brown rice, quinoa, oats), legumes, and vegetables. Include healthy fats like avocados, nuts, and olive oil and lean proteins like fish, poultry, tofu, and beans. Limit sugary foods, refined carbs, and saturated fats and stay physically active.

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Dietician, Diabetes Expert - Answered on Apr 26, 2024

Asked by Anonymous - Mar 06, 2024Hindi

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I m 51 yrs old...my hba1c is 5.3..i want to get it lower still...i m vegetarian and veryyyyy fit woman but underweight Anyway to put on lil weight and not hba1c rise

Ans: An HbA1c level of 5.3 is absolutely normal. To increase body weight, focus on weight training to increase lean mass. Follow a regular muscular training regimen under professional guidance and have a high protein diet including lean protein foods like fish, chicken, egg whites, beans, low fat dairy products, soy products, etc. This will keep your blood sugar levels under control.

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Dietician, Diabetes Expert - Answered on Apr 26, 2024

Asked by Anonymous - Mar 06, 2024Hindi

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I have minimal intake of sugar and sweet items, processed foods and carbohydrates. Yet my fasting sugar remains around 125 and it takes much more than the standard 2 hours for the blood glucose level to fall below 140 after a main meal. I am 77 but active and in otherwise good health. Except TSH of around 8.5 and A1c of 6.7. Any suggestions for me?

Ans: It would be advisable to consult your family physician for medical advise. However, dietary changes can be followed by consuming a high fiber diet including vegetables, whole grains, beans, etc. Avoid sugary and refined foods. Include healthy fats like avocados, nuts, and olive oil and lean proteins like fish, poultry, tofu, and beans. Have regular meals and remain physically active.

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Dietician, Diabetes Expert - Answered on Apr 26, 2024

Asked by Anonymous - Mar 06, 2024Hindi

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Hi. My mother is 63 year old who is a diabetic and is on her medicines. For past 2 weeks, her sugar level has increased which is 350 fasting and 480 pp. It's not getting under control. She does want to take insulin. Pls help how to control it.

Ans: For such out of range blood sugar levels, it is advisable to take medication or insulin as advised by your family physician. Monitor her diet with low carbohydrate and high fiber foods like whole grains, vegetables, beans, etc. Avoid refined foods, fruit juices, sugary foods, etc. Lean protein foods like beans, low fat dairy products, egg whites will blunt the glycemic index. Make sure she remains physically active.

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Dietician, Diabetes Expert - Answered on Apr 26, 2024

Question by Vijayaraghavan - Mar 18, 2024Hindi

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What are the fruits and vegetables advised for a person of 70 years of age who has crossed in to diabetic state from prediabetic, to keep down the sugar levels and avoid medicines?

Ans: The dietary recommendations to help stabilize blood sugar levels and promote overall health include high fiber vegetables like green leafy and other vegetables, brussels sprouts etc are excellent choices. They provide fiber, vitamins, and minerals while helping control blood sugar. Fruits that are rich in nutrients and fiber are oranges, grapefruits, guava, apples, clementines, etc are high in vitamin C, folate, and potassium. To monitor blood sugar levels, have a high fiber, low carbohydrate, low fat and moderate protein diet. Avoid refined foods, alcohol, sugary foods, etc. Adopt a regular exercise regimen.

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Dietician, Diabetes Expert - Answered on Apr 26, 2024

Question by Meghana - Mar 18, 2024Hindi

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Is it ok for diabetics to eat chawanprash which contains jaggery as the sweetener?

Ans: Chyawanprash is a powerful herbal remedy known for its immune-boosting properties. However, jaggery contains equivalent amount of carbohydrates like sugar which will increase the glycemic index. Thus it is advisable to have sugar-free chyawanprash variants .

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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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