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Ans: REIT, which stands for Real Estate Investment Trust, lets you invest in income-generating real estate without directly buying and managing properties. Here's a breakdown:

Think of it as owning a piece of a mall or apartment complex:

REITs pool money from investors like you and use it to buy income properties like offices, hotels, shopping centers, or warehouses.
They then generate income by collecting rent from tenants and distribute a portion of that income to investors as dividends.
SIP (Systematic Investment Plan) can be a good option:

Similar to mutual funds, you can invest in REITs through SIPs, which allow you to invest a fixed amount regularly (monthly, quarterly, etc.). This can help rupee-cost averaging, potentially balancing fluctuations in the market.
Patience is key for good returns:

Like most investments, a longer investment horizon generally offers better potential for returns with REITs.
Risks to consider:

REITs are subject to market risks. Property values can go down, affecting the value of your investment.
They are also reliant on their tenants' ability to pay rent. Vacancies can impact their income stream.
ROI (Return on Investment) can vary:

REITs can offer a combination of income (through dividends) and capital appreciation (increase in the value of the REIT itself).
The overall ROI depends on factors like the specific REIT's performance, market conditions, and holding period.
Consulting a financial advisor is recommended:

They can assess your risk tolerance and financial goals to determine if REITs are a suitable investment for you.
They can also help you choose specific REITs based on your investment strategy.

Ans: This particular investment scheme primarily puts money into big company's stocks.

Over the past 3 to 5 years, this fund hasn't done as well as we'd like compared to a standard benchmark. However, if you are concerned about the fund's recent underperformance or if you need to access your money in the near term, you may consider exiting the fund.

The fund managers have been putting a lot of emphasis on specific stocks they believe in for the long term, but this approach hasn't worked out well since 2021 till date.

One of the reasons for the fund's underperformance is its heavy investments in sectors like automobiles and banks. Some specific stocks like Kotak Mahindra Bank and Bajaj FinServ didn't perform as expected.

Overall, this fund didn't provide a good balance of protection during market downturns and gains during market upswings.

If you are unsure about whether or not to continue or exit Axis Bluechip Fund, you may want to consult with a financial advisor. A financial advisor can help you assess your individual needs and goals and make a recommendation that is right for you.

Ans: Hi Suresh,

As per employment contract both the employer and the employee have the option to terminate the contract with / without any reason whatsover. I understand that while this seems technically sound it impacts one emotionally & professionally. The company may have had business reasons / strategic shift owing to which they may have been forced to take such a decision.

The first piece is to not take it personally or as a reflection of your performance if you have always been a good performer. The second would be to accept the situation and use social media (LinkedIn) and job portals to get moving with your next venture. Experiences - good / bad / ugly - are a part of our professional journeys and the more resilience you develop, the more successful you'll be.

Mulling over the reasons or being bitter toward your ex-employer will only be waste of your energy. So pick yourself up and propel forward

Ans: Hello! I would recommend you to take up a Doctorate in Business Administration. It's an applied research program enabling you to become an expert. It will help you with taking up leadership positions within the company that you are working or at other companies as well. Working professionals who take up DBA's help addressing business problems.