| Name: mrinalini09
Email: mrinalini09@gmail.com |
| Message: Sir/Madam,
I am a 31 year old female working for a MNC in Bangalore. Presently my
gross salary is 9 Lacks/anum.
For my tax planning I have made the following investments (including EPF).
Please review my investments and let me know if it requires tweaking from
the next year.
EPF: 2633*12 = 31596
LIC (Jeevan Shree): 35790
ELSS: 52100
1. HDFC Tax Saver : 1500*12(SIP) + 18500(Lumsum)=36500
2. HDFC Long Term Adv: 1300*12(SIP) = 15600
Apart from all these my company contributes 16.8% towards my retirals i.e
12% EPF and 4.8% gratuity.
In addition to all these I've SIPs in the following Mutual Funds.
1. DSPML Opp-G: 1500/month
2. Franklin India Prima-G: 2000/month.
3.HDFC Equity-G: 2000/month
4.Magnum Contra-G: 2000/month
5.Reliance Vision-G: 2000/month
6.Fidelity Equity-G: 1250/month
7.Sundaram Select Mid Cap-G:1500/month
Please give me an opinion about the abovementioned funds. My investment
horizon is 10 years.
An early reply would be appreciated.
Thanking you,
Regards
Mrinalini.
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| View Replies |
|
| Name: Manikanta.Radhakrishnan
Email: Manikanta.Radhakrishnan@morganstanley.com |
| Message:
How should i invest in Mutual funds through a Bank(HDFC) and track them.
How to choose the right one fits.
|
| View Replies |
|
| Name: Manikanta Radhakrishnan
Email: Manikanta.Radhakrishnan@morganstanley.com |
| Message: How Good is to take Home Loan?
Should I go for mutual funds or Home Loan.
|
| View Replies |
|
| Name: krb
Email: krb@rrdc.net |
| Message: (Kindly note, my question does not deal specifically with insurance per se
but with nomination, specifically for PPF. The four areas of Expert
Advice indicated do not provide for nomination area, hence I have chosen
this as a default area, for insurance also needs nomination. In case the
area is wrong, would the Expert or the Editor kindly redirect it to the
appropriate area?)
Govt-sponsored small-saving schemes, such as PPF, POSB, PORD, NSC, etc
have provisions to nominate a person who would receive the proceeds in the
event of an eventuality. There is some confusion in this respect.
Sometime the investor would think it prudent to provide for more than one
nominee. For instance, a very old senior citizen having a PPF account
(PPF a/c can be opened only by a single individual, not jointly) may like
that her/his spouse should receive the amount in case of an eventuality.
However, the spouse too is expected to be a very old person in this case.
To cover such a situation, the investor may like to nominate two persons –
one, the spouse (A), and two, say, an offspring (B) – intending them to be
sequential and not joint nominee. That is, A would be the nominee if then
alive, but B if otherwise. Unfortunately the State Banks/Post Office,
where the account is opened, do not honour such wish, saying that multiple
nomination is interpreted only as joint nomination, i.e., the proceeds
would be compulsorily divided among the nominees (as per suggested
proportion if so indicated, equally if otherwise).
Please let me know if the latter interpretation is correct. If so, is
there any way to overcome the problem and make the nomination sequential
among the nominees? Please also let me know who is the administrative
authority of PPF scheme.
K.R. Bhattacharya
61, “Supriti”
5th Main Road
Jayalakshmipuram
Mysore – 570 012
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| View Replies |
|
| Name: laxmansomanhali
Email: laxmansomanhali@ipcl.co.in |
| Message: Comments :prospectus to invest for six months |
| View Replies |
|
| Name: tobhuvana
Email: tobhuvana@yahoo.com |
| Message: Comments :do give me the info about ppf |
| View Replies |
|
| Name: banga_gs
Email: banga_gs@hotmail.com |
| Message: I have a 3-in-1 trading a/c in a scheduled bank with myself as 1st
applicant and my wife as 2nd applicant. I want to invest in ELSS of a
mutual fund through my trading a/c with benefit of tax rebate to my wife.
Please clarify whether the tax rebate can be claimed by 2nd applicant or
not?
|
| View Replies |
|
| Name: vivsiv
Email: vivsiv@hotmail.com |
| Message: To start with I give you 4 lakhs , can you pls tell me how will you
break it up (investments in mutual bonds, stocks..) , my isea is looking
for short term return. No problem taking risks.
|
| View Replies |
|
| Name: hrishikeshpatel
Email: hrishikeshpatel@rediffmail.com |
| Message: I have invested Rs 40,000 in 2 MF's through my CITIBANK's Suvidha Account
Fund in which i have invested are:
1) Franklin India Bluechip Dividend and 2) HDFC Equity Growth.
1) If i am withdrawing my money from both of these MF's after 1 year what
will be the charges taken by the Fund Houses. And what will be the charges
taken by the Fund Houses if i am withdrawing before 1 year?
|
| View Replies |
|
| Name: spjp7104
Email: spjp7104@yahoo.com |
| Message: I have taken an sbi maxgain house loan of 38 lakh for 20 years. can you
advise me about this housing loan scheme and what is the best way to go
about it?
|
| View Replies |
|
| Name: stunner2
Email: stunner2@rediffmail.com |
| Message: i have endowment policy of Max New york Life Insurance for 8 lakh and LIC
moneyback for 8 lakh. i have paid premiums for 1.5 yrs. My insurance
advisor says that i will get only 30% surrender value if i pay premiums
for 3 yrs and even if i wait till maturation of policy. This is contrary
to your article which states that you get complete amount with bonuses at
the end of maturation. So what should i do now.. Both policies are for 8
lakh Rs and i have paid premiums for 1.5 yrs in them..
|
| View Replies |
|
| Name: praveen
Email: praveen_n_walia@sifymail.com |
| Message: I am just new to the net and your site gave me ample informations on MFs thanx and keep it up,
|
| View Replies |
|
| Name: kuntal_svs
Email: kuntal_svs@yahoo.com |
| Message: Can you please give me some insight into the option of investing in UTI
long term advantage fund (ELSS) because I still have to invest close to
Rs. 48000 to reach the investment horizon of Rs 1,00,000. |
| View Replies |
|
| Name: rkaushik7
Email: rkaushik7@rediffmail.com |
| Message: i request you to give advice on "gold benchmark exchange traded scheme |
| View Replies |
|
| Name: meenaxi.srivastav
Email: meenaxi.srivastav@gmail.com |
| Message: Please tell me about the sources offer by govt. recognise/private
institute or correspondance cources regarding fund management(Basically
Iwant to start my career as a financial consultant/advisor).
|
| View Replies |
|
| Name: pkumaramn
Email: pkumaramn@gmail.com |
| Message: How the CAGR&NAV is calculated forULIP and is it possible that a plan of
comparatively low NAV can give better returns.May please suggest some
sellected books about ULIP and MF.
|
| View Replies |
|
| Name: kannan_citilights
Email: kannan_citilights@yahoo.co.in |
| Message: Plese tell me about childrens savings varity of funds or recommonding SIP
plans for my kid
|
| View Replies |
|
| Name: spaul
Email: spaul@veccal.ernet.in |
| Message: i am planning to buy mutual funds (1)for tax savings and (2) money to
grow. for (1) a friend suggested to buy sbi magnum tax gain with 1000
Rs/month SIP. however with (2) i am still undecided. i want to enter into
a fund that will give me good returns in 5-6 yrs time. i can afford
another Rs 500/month as SIP into this 2nd fund. plz give ur suggestions.
|
| View Replies |
|
| Name: abhilash.panda
Email: abhilash.panda@hotmail.com |
| Message: Dear Expert, I am looking forward to invest my money on a regular basis or
yearly basis. Please guide me on the same.
|
| View Replies |
|
| Name: gv1reddy
Email: gv1reddy@yahoo.co.in |
| Message: I have 35000 with me. i want to invest with an investment period of 6
months. please choose a fund
|
| View Replies |
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