RAKESH JAIN OF MK INVESTMENTS REPLIES TO QUERIES ON INVESTMENTS IN STOCKS , MUTUAL FUNDS ETC

sunleo asked, how best if FD compared to investment in MFs?
Rakesh Jain of MK Investments, Lower risk and return that mutual funds, should have both in your portfolio
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shant asked, Rakesh Do you suggets index funds or balanced funds ? which index fund is the best then?
Rakesh Jain of MK Investments, Index funds (try HDFC, Reliance, Birla)
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Shruti asked, is investing in some stocks better for 3 yrs or SIP would be good option? can you name some good sips?
Rakesh Jain of MK Investments, Would recommend an SIP
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giriraj asked, Is investing in company FD scheme prudent and safe investment?
Rakesh Jain of MK Investments, no because you are concentating risk in one comapny
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darshan asked, What do think of SIP in mutual funds ? is investing in SIP a better option rather then entering Secondary Markets.(Stocks)? advice me on Good mutual funds for SIP.
Rakesh Jain of MK Investments, yes, for most investors, SIPs on equity funds are a sensible bet
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demoworldwide asked, hello sir Is equity trading is a good career option i m in this line for the past 4 years. and my experience is quite good . i usually trade in nifty futures.Rakesh Jain of MK Investments, Yes, definitely
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kawaljeet asked, hi rakesh whats your advice about Axis bank mutual fund..Rakesh Jain of MK Investments, No issues with AXIS, I dislike NFOs
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AlphaBeta asked, Hello Sir, what is the minimum account size that you take for your company Forefront Capital Management ? Thanks.
Rakesh Jain of MK Investments, mutual funds - no minimum PMS - 10 lakhs
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dev asked, Gold ETF was introduced recently...have no Past Performance...still wud you like to look at it? Two gold ETF which are worth considering with respect to performance, risk, sharpe ratio, turnover, size.Rakesh Jain of MK Investments, Yes, I would try GOLDBEES (bechmark asset management)
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suresh asked, can u suggest one industry in which I can park my money for along term (10 years) and get a good return? My bet is Bank but i am be wrong!Rakesh Jain of MK Investments, dont bet on a single sector, it could go horribly wrong for no fault of your own
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russymaster asked, 3-5 years perspective, is the stock market going to be choppy, up or down ??
Rakesh Jain of MK Investments, Should grow in next 3-5 yrs
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tity asked, how to trade in commodity market?
Rakesh Jain of MK Investments, commodity futures trade on the MCX - some sectors are pretty liquid
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Buba asked, For a starter, which is the best Gold ETF option available now?
Rakesh Jain of MK Investments, GOLD BEES (Benchmark Asset Management) - Exchange traded fund
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joe asked, Hello Rakesh !! How do u see the Equity mkt till March 2010? is it advisable to invest in stocks at this high or go thru the mutual fund route or buy SIP? Kindly advise. Thanks and regards
Rakesh Jain of MK Investments, Either way you are investing in equities at a high (mutual fund or direct). If you are doing this speculatively, wait, if investing for long term, invest
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kiran asked, hi Rakesh we are midle income group my dad is retiring from railways in the month of feb is totsl retirment benefit would be around 12 lacs and we have a home loan for rs 8 lacs we already paid for 6 years EMI is 8000 and after retirment my dads pensoin will be around 7000. pls give us financial planning
Rakesh Jain of MK Investments, Invest the retirement surplus in a conserative portfolio - primarily debt funds, with a small equity component (20-30%) and a small gold component (10%). Could consider an SIP to invest a part of the pension
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bala asked, i want to invest quite decent money say monthly 5000 for a period of 3 years for good returns,, what do u recommend me??
Rakesh Jain of MK Investments, diversified mutual fund or index fund or holding NIFTY BEES
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vikas asked, hi Rakesh its my privilege asking for advice from Wharton graduate. In your opinion what should be the ideal asset allocation between equity, debt, liquid, land etc asset classes. I am asking from moderate risk takers point of view. Thanks in advance for taking the query.
Rakesh Jain of MK Investments, outside your primary house, 40-50% equity, 20-30% debt, 10-20% gold, remainder in other alternatives. this should be tweaked based on your income.
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jobin asked, I would like to try my hand in the Futures and Options segment. What kind of reading/analysis would you recommend as a preparation, before I start trading?
Rakesh Jain of MK Investments, Technical book - Futures and Options, John Hull NSE also has primers on Indian derivatives
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Dharmendra asked, How is the infra co share going to be in coming months
Rakesh Jain of MK Investments, infra will do well as india grows,but infra funds are not the way to invest in infra
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dev asked, Thanks Rakesh for the answers...but when you say "10-20 % in commodities" how do u want we Retail Small Investors to get into Commodities? Do u mean ETF (Gold MF) or only physical Gold or Gold in Dmat form?
Rakesh Jain of MK Investments, yes, gold ETF or MF
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WannaBeFinanciallyFree asked, icici bank, unitech, 3i infotech, suzlon energy, bharti airtel, tcs, bharati shipyard, pipavav shipyard, sbi, tata motors, punj lloyd, mahindra satyam, sun tv network, ntpc are the stocks in my portfolio. Please comment on my portfolio
Rakesh Jain of MK Investments, need to see amounts you have in each stock, it is a reasonable start
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sarat asked, Is bank deposit a good option or a dept fund?
Rakesh Jain of MK Investments, debt funds for higher yield more tax efficeint
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RM asked, I am a lay person i terms of investment. I want to invest Rs 5lakhs with good returns may be 3-5 yrs. are stocks with medium-risk will be good for me. if yes, what type of stocks shld I go for?
Rakesh Jain of MK Investments, Large-cap stocks across a spectrum of sectors
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pka asked, how to make rs. 1 crore from rs.1 lac in a couple of years
Rakesh Jain of MK Investments, It's not possible!
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khr asked, what is SIP
Rakesh Jain of MK Investments, systematic investing plan, way to regularly invest money every month
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GadhikaRupta asked, what are futures
Rakesh Jain of MK Investments, derivatives you can use to get exposure to the NIFTY, or other stocks
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Saravanan asked, I have applied for JSW IPO for Rs.1 Lacs, Is this a best or should I have do invest in NHPC
Rakesh Jain of MK Investments, I advise avoiding IPOs
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sarat asked, Please suggest some good debt funds.
Rakesh Jain of MK Investments, Look at short term funds from birla, hdfc, reliance.
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dev asked, Some analyst saying the market wud boom where as some says it will tank...what sud be the ideal asset allocation inbetween Stock, MF and PPF?
Rakesh Jain of MK Investments, depending on the situation, 40-60% equity, 20-30% debt, rest commodities
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Buba asked, Is it worth considering Gold ETFs at this stage as the rate keeps moving northwards? or should I wait for some consolidation and then invest?
Rakesh Jain of MK Investments, they are a good idea for a long term investment, gold is only at a nominal high not an inflation adjusted high. better than holding physical gold.
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Koustubh asked, I ve 2 SIP's in DSP TIGER and UTI Infra, which are similarly thematic. Should i continue with both or 1. if 1 which one would u suggest?
Rakesh Jain of MK Investments, Would limit your exposure to sector funds and stick one, llikely TIGER
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Snehal asked, Hi Rakesh I m investing thru SIP of 2000 each in HDFCtop 200, DSP blackrock top 100 and reliance rsf, i m thinking the time frame to invest 20 years, what approx rate of return i can expect ?
Rakesh Jain of MK Investments, Have answered this already
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Aniket asked, Dear Rakesh I have lying 25000 thousand & I want to invest 2000/- Per month, Kindly gide me.
Rakesh Jain of MK Investments, Looking at equities or debt?
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OM asked, HI, I WANT TO KNOW WHICH MUTUAL FUNDS DOUBLE THE MONEY IN 5 YEARS. PLZ ADVISE.
Rakesh Jain of MK Investments, No one can reasonably double your money in five years.
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Buba asked, I am 30, and have recently taken a term plan from Kotak for Rs. 25 Lakhs - Did I choose the right option? Consider my monthly sal is 40 K
Rakesh Jain of MK Investments, Appears to be a reasonable choice
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KKK asked, HI,I Want to invest in 20k in equity,and i want 70% to 80% returns.kindly advice gud mutual funds
Rakesh Jain of MK Investments, Hard to realistically earn that kind of return sustainably unless you want to take a lot of risk
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VIJAYA asked, hello madam good afternoon i had invested Rs.1 lakh what is the highest return in the 3 months.
Rakesh Jain of MK Investments, what have you invested in
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jobin asked, Can I invest in International equities from India? Which broker offers me that service?
Rakesh Jain of MK Investments, Hard, most brokers dont offer it. Some mutual funds (blackrock) have world funds.
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Snehal asked, Hi Rakesh I m investing thru SIP of 2000 each in HDFCtop 200, DSP blackrock top 100 and reliance rsf, i m thinking the time frame to invest 20 years, what approx rate of return i can expect ?
Rakesh Jain of MK Investments, 10-15% a year on average
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ratnam asked, Hello madam, good afternoon !! investment in national post office scheme is worth one ?? can i invest in some mutual funds instead ??
Rakesh Jain of MK Investments, If you are ok not accessing the money for a while, post office scheme is worth it. Otherwise debt mutual funds make more sense.
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sarat asked, If I invest in mutual funds online using my demat account, will it charge entry load similar to brokers?
Rakesh Jain of MK Investments, No entry load, but brokerage and demat charges will apply
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chandrasekhar asked, hi i am planning to invest in stocks.last year i got huge loss in stocks.so tell me what kind of stocks i should opt now
Rakesh Jain of MK Investments, hold a safer, large and diversified basket of stocks to avoid a very risky portfolio
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dev asked, What are the key ratios and factors we need to look, analyse and decide when selecting a ELSS Mutual Fund or Large cap oriented MF or Mid Cap oriented MF
Rakesh Jain of MK Investments, performance, risk, sharpe ratio, turnover, size among other things
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Snehal asked, Hi Rakesh I m investing thru SIP of 2000 each in HDFCtop 200, DSP blackrock top 100 and reliance rsf, i m thinking the time frame to invest 20 years, what approx rate of return i can expect ?
Rakesh Jain of MK Investments, 12-15% a year given that is the expected equity return.
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rajib asked, what is the best option bank Recrring deposit or SIP, keeping a 7 yrs view.
Rakesh Jain of MK Investments, SIP may be more tax efficient
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Bhedaprasad asked, how to buy closed ended MFs online (can you suggest portals which offer this service?
Rakesh Jain of MK Investments, You can buy through your broker on any stock exchange
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AKHILESHSHARMA asked, I FROM MUMBAI , MYSELF AKHILESH SHARMA WORKING IN MNC AS EXECUTIVE DRAWING 50000 RS SALARY. I SHAVING RS20000 PM . I WISH TO APPLY FOR SHARES IN COMAPNIES LIKE TATA , BIRLA , RELIANCE ETC PLZ ADVICE , GIVE VALUABLE TIME FOR MYSELF . THANKING YOU AKHILESH SHARMA , GOREGOAN , MUMBAI
Rakesh Jain of MK Investments, Suggest looking at a mutual fund investment - large-cap fund, perhaps?
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shalini asked, I have 3 lacs in MIS (post office) 7 lacs in bank FD at 8% , 2 lacs in NSE, 2 lacs in PPF , is my allocation ok becz i am planning to invest same in future also.
Rakesh Jain of MK Investments, Bank FD might be inefficient because of the tax you pay on interest - consider short term debt fund
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sudhira asked, Rakesh are u bullish on agriculture?
Rakesh Jain of MK Investments, No specific view on that sector
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MUKESH asked, I M SALARY PERSON WHT TO INVEST IN MARKET. WO WHT IS UR ADVICE ?IS IT GOOD OR NOT?
Rakesh Jain of MK Investments, It is a good idea, in moderate and substainable amounts.
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thilak asked, Mutual fund ; entry lad is how much % now?
Rakesh Jain of MK Investments, None as per recent sebi regulations
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ADAF asked, HOW TO BUY MFS ONLINE
Rakesh Jain of MK Investments, Can buy through your broker or through an online portal
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shital asked, is this the right time to invest
Rakesh Jain of MK Investments, Yes, if you are looking at long term investing
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AshishSaxena asked, is it the right to invest in the market with the horizon of 3 yrs .. if yes then wat sectors and what scrips to Choose? i am planning to invest around 3 lacks for 3 yrs..
Rakesh Jain of MK Investments, answered this already
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Sanjeev asked, Is there a direct link between Sensex or Nifty and performance of Mutual Funds
Rakesh Jain of MK Investments, yes, very direct. funds will do well when the market (sensex, nifty) does well, and badly when it doesnt.
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Himanshu asked, I am constantly investing in mutual funds through SIP, I would like to dump Fidelity International opp fund and birla sunlife equity, please suggest whether it would be proper to go ahead and if yes which mutual fund i should invest
Rakesh Jain of MK Investments, perhaps, but check the exit load you are paying and the tax implications (under 1 year = capital gains tax)
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hiei asked, WHAT IS KYC. ASKING FOR BUYING THE FUNDS MORE THAN RS.50,000/-
Rakesh Jain of MK Investments, know your customer guidelines imposed by RBI
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thilak asked, look for eqity mutual funds. please suggest 2 nos
Rakesh Jain of MK Investments, please contact me offline for specific funds (via email) - i am looking at funds from hdfc, fidelity, birla in index category
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NKumar asked, Hi Rakesh as per your answers I understood that I've done mistake by investing in ULIP (Future Generali). I'm investing 60k p.a, have to invest 2 more years. Shall I discontinue and go for ELSS or any MFs
Rakesh Jain of MK Investments, Dont exit, because you have already paid hefty fees, but dont renew it
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AshishSaxena asked, is it the right to invest in the market with the horizon of 3 yrs .. if yes then what sectors and what scrips to Choose?
Rakesh Jain of MK Investments, Yes, it is. Choose diversified basket of stocks and sectors. How much are you looking nto invest
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hiei asked, WHICH IS THE BEST GOLD MFS OR EQUITY BASED
Rakesh Jain of MK Investments, Should hold both.
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AMIT asked, if you have invest in mutual funds which funds you will choose for sip
Rakesh Jain of MK Investments, what is your horizon and return expectation
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sagar asked, i would like invest Rs.30,000/- can you suggest me for good investment options
Rakesh Jain of MK Investments, Equity or debt?
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kalidhas asked, Rakesh Thanks for your reply. Can you pls mention a few index equity fund worth looking at for SIP
Rakesh Jain of MK Investments, funds from HDFC, Birla recommended
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sunleo asked, lock in period in one of the MF that i inversted in is coming to an end...it has apprciated 20%. what do u suggest for reinvetstment of this amount?
Rakesh Jain of MK Investments, Would look at another equity index fund for reinvestment - has it been over a year
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Hanuman asked, Hi Rakesh Suggest some good index fund.
Rakesh Jain of MK Investments, Number of good funds from HDFC, Birla ________________________________________
moneyguru asked, I have invested 10000 in Reliance infrastructure fund at issue price,i want to know the future of this fund after 3-4 yrs.
Rakesh Jain of MK Investments, Am skeptical about infra funds - they dont hold infra stocks, and hold telecom, banking, etc. It's hard to say what they will do even if infra does well
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rajib asked, hi Rakesh what is the best investment plan to get around 10-12 lakh after 7 years. (only monthly schemes are to be suggested)
Rakesh Jain of MK Investments, How much are you initially investing
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hiei asked, THANK U FOR ANSWER. HDFC TOP 200 IS IT BEST FOR LONGTERM INVESTMENT? WHICH ARE BEST FUNDS FOR TAX SAVINGS?
Rakesh Jain of MK Investments, It is one of the better funds in the diversified category. Try ELSS funds for tax savings
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thilak asked, how to invest Mutual funds> suggest some funds which can give good returns
Rakesh Jain of MK Investments, Looking for equity or debt - i recommend short term debt funds + equity index funds
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Surendra asked, what are the parameters to access fallen > 30% scipt have bright future.
Rakesh Jain of MK Investments, Good valuations + reasonable recent performance + strong profitability
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kumar asked, experts are saying that markets are expected to go up so if i sell now i would be under market loss right so indtead if i take loan on the same i would be benefited right?
Rakesh Jain of MK Investments, No one can predict the markets, and if anything, they look overvalued now
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kalidhas asked, your answer is not clear to me. If I separate insurance, can you pls advise on how to invest 10-15k p.m to build a fund in the next 12 years by which time i will retire....
Rakesh Jain of MK Investments, I meant invest through an SIP (systematic investing plan) in a index equity fund
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hiei asked, hi, WHAT IS DIFFERENCE BETWEEN ULIPS AND MUTUAL FUNDS. WHICH THE BEST OPTION.
Rakesh Jain of MK Investments, ulips = equities + insurance, and should be avoided. buy mutual funds + term insurance as separate products (will be cheaper adn more effecive)
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raghu asked, i want to invest money how
Rakesh Jain of MK Investments, How much are you looking to invest and with what horizon
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kumar asked, Hi Rakesh im in need of funds would u advise me to sell my stocks or to take loan on the shares pls advise
Rakesh Jain of MK Investments, Depends on your situation, but likely sell teh stocks
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Mishra asked, Hi Rakesh, Thanks for your answers. Would you suggest to invest in property instead of Mutual Funds / Stocks ?
Rakesh Jain of MK Investments, You should have both investments, particularly if you have bought your primary residence already.
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raj asked, Good afternoon madam, i have invested rs. 100,000/-in axis equity mutual fund with dividend payout option i would like to know that whether i will get 20% return within 1year?
Rakesh Jain of MK Investments, Depends on where the equity market goes (very little to do with fund managers skills). I would have avoided an NFO if I were you - the fees are a killer.
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MangoSingh asked, How to identify a good stock for long term investment.
Rakesh Jain of MK Investments, decent valuations, good recent performance, strong fundamentals
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sagar asked, i would like invt in mutual fund because it's beneficial
Rakesh Jain of MK Investments, Choose a good index fund
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kalidhas asked, I am a 48 year old man working in Dubai. I want to 10-15k p.m for next 12 years for building up my retrirement fund. What is the best option for me. If Life Insurance comes along the investment it is better.
Rakesh Jain of MK Investments, Also separate the insurance from equities (and get term insurance)
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kalidhas asked, I am a 48 year old man working in Dubai. I want to 10-15k p.m for next 12 years for building up my retrirement fund. What is the best option for me. If Life Insurance comes along the investment it is better.
Rakesh Jain of MK Investments, Look at low-cost equity index funds, through an SIP route.
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sagar asked, for investment which is the best option - mutual fund or share
Rakesh Jain of MK Investments, For retail investors who dont want to spend much time on their portfolio, mutual funds. For high net worth, PMS
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Shruti asked, how should one decide on term insurance maturity value?
Rakesh Jain of MK Investments, Depends on an individual's life situation
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SmartInvestor asked, what will be a basic criteria to pick a stock?
Rakesh Jain of MK Investments, Strong company fundamentals, good historical performance, reasonable valuations among other things.
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Shruti asked, people say we need to invest in debt also. can you please clarify exactly what debt investment is about?
Rakesh Jain of MK Investments, Debt is bond instruments - they are considered safe. Debt includes bank savings, fixed deposits, debt mutual funds, government bonds. Important thing with debt is that it is tax efficient, and low-risk.
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anand asked, hello radhika tell me best investing plan
Rakesh Jain of MK Investments, Depending on your life situation, a good mix of equities, debt, gold, and real estate is the way to go. Specific advice can be discussed offline once I know more about your situation.
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rediff1 asked, Hi Rakesh, Another question, could you please let me know in which sector should I invest going forward.
Rakesh Jain of MK Investments, Dont advise you should invest in entirely one sector - am more in favor of a diversified sector portfolio. One sector may cause you to be hit really badly if a regulation changes (think telecom!)
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rediff1 asked, Hello Rakesh I would like to know best scheme to invest 40K covering life insurance and good returns.
Rakesh Jain of MK Investments, Invest in two separate things - 1) term insurance plan, 2) good index fund. Don't fall for a ULIP that combines below.
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TestTest asked, I want to invest in HDFC Top 200, BirlaSL Frontline equity, DSP-BR Top 100, Reliance RSF, Tata Equity P/E, Birla MidCap fund for 5 year through SIP route. Is my portfolio OK. I am also taking care of debt instruments.
Rakesh Jain of MK Investments, I need to know more about what you are investing, and what your situation is.
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mamu asked, Hi Rakesh tell me 12 stocks that I can pick up for dirt now? I have an investment horizon of 5 years...
Rakesh Jain of MK Investments, We don't give stock specific advice, I recommend you hold a large portfolio of diversified large-cap stocks if you have a long term investment horizon
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ravi asked, hi, i have 2 Ulips from LIC of Rs 31000/ annum. i have completed 3 years of paying and now i wanted to discontinue due to the fact that those was not performing well. please note that this invest done for tax savings. Please advise me.
Rakesh Jain of MK Investments, ULIPS are a bad product - they charge you a lot for a bad mix of insurance and equity exposure, and should be avoided. That said, I would not exit, because you have probably paid a lot in upfront costs (that is how ULIP fees work).