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Vatsal Shah

Head - Wealth Management , Sushil Finance

Know more on your investments

 

Questions Answered

Q

guest: Sir iam govt servant my annual income 3.5k Iwant to start invest in 4 mutual fun 2 long term 1 midcap equity fund and 2 balanced fund Plz suggest me Iam first time invester

Vatsal Shah: Sir i would suggest in 2 multicap funds - Motilal Oswal Most Focused 35 & L&T India Value Fund, 1 Midcap - Canara Robeco emerging Equities Fund & 2 Balanced - HDFC Prudence & ICICI Pru Balanced Fund.
Q

guest: Hello Expert, Greetings. My father has sold his house and wants to invest the money in safe instrument to get his monthly income for next several years. What are the options he has? Please advice. Thanks

Vatsal Shah: Hello. Safe instruments for monthly income are PSU Bank FDs. If you wish to go for some higher yield and some risk you can invest in AAA rated NCDs with monthly interest payout option and Long Term Income Funds with Systematic Withdrwal Plan Option.
Vatsal Shah: Hello. It is also advisable to have a personal family health cover other than what your employer is offering. Ideally it should be 1 to 2 times your annual income. Please check plans of Bajaj, Apollo & Star Health.
Q

guest: Hello Expert, I have a health insurance cover from my company for a sum of Rs. 5 Lakhs. I feel this is not sufficient and would like to take another health insurance for me and my wife privately. I am 47 and my wife is 42 years old. Can you recommend some best options for health insurance and also the sum assured please. Thanks Ramesh

Vatsal Shah: Hello. It is also advisable to have a personal family health cover other than what your employer is offering. Ideally it should be 1 to 2 times your annual income. Please check plans of Bajaj, Apollo & Star Health.
Q

guest: Hello Expert, Greetings. I would like to retire rich @ 50 years and be financially independent to pursue my passions at my own pace. I would like to know what would be my retirement corpus needed for a period of around 30 years post retirement from 50-80 years. My current living expenses are around 1.5 Lakhs per month. I have my own house and so do no need to pay rent. What other inputs you need to answer this question. I will provide the same thanks Ramesh

Vatsal Shah: Hello. I would like to know your current age.
Q

guest: Hi Sir, I want to invest 10000/m through SIP for 20 years. Right now i m 37 and i m a new investor. So i request to you please suggest me.

Vatsal Shah: Hi. I would suggest to split the amount in 5 (2000* * 5) different schemes with a mix of multicap and midcap schemes. Multicap - Motilal Oswal Focussed Multicap 35 & L&T India Value fund. Midcap - DSP Small & Midcap, L&T Emerging Businesses & Mirae Asset Emerging Bluechip. Also would suggest you to increase the SIP amount over time.
Q

guest: Investment in UPL for 2-3years

Vatsal Shah: hi. UPL looks good for 2-3 years. Valuations are fair. Add on dips.
Q

guest: i received long term capital loss from sale of shares listed on exchange but not sold through exchange but as off market transaction -can i adjust this long term loss from capital gain on property

Vatsal Shah: Hi. Not sure about this. Please consult your chartered accountant for this.
Q

guest: i sold property and i hv long term capital gain. i sold shares to frdnot through excahange and got long term loss can i adjust long term loss from shares (not sold through exchange) from capital gain from properrty?

Vatsal Shah: Hi. Not sure about this. Please consult your chartered accountant for this.
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