Computer Engineering vs. Computer Science Engineering: Is There a Big Difference?

Ans: It is really good to see that both of you are investing regularly and at the same time thinking about debt reduction. A Rs.10 lakh gift can become a very powerful wealth creation tool if it is used with a clear plan instead of chasing new investment ideas.

» Current Financial Position

Age: 42 and 38 years.
Two children aged 12 and 8 years.
Existing mutual fund corpus: Around Rs.12 lakh.
Monthly SIP: Rs.30,000 across multiple funds.
Home loan outstanding: Rs.6.5 lakh with EMI of Rs.25,000.
Additional gift received: Rs.10 lakh.

Overall, you are building assets and reducing liabilities simultaneously, which is a healthy approach.

» Review Your Existing Portfolio

Your portfolio already has exposure to mid-cap, small-cap, large & mid-cap, flexi-cap and an equal weight index fund.
This provides diversification across different market segments.

However, you are investing through direct plans.

Direct plans require continuous monitoring, periodic portfolio review and timely rebalancing.
Many investors find it difficult to decide when to continue, switch or exit a fund.
Regular funds invested through an MFD with CFP credential provide ongoing support, goal-based planning, portfolio reviews and behavioural guidance during market volatility.
The professional support can add significant value over a long investment journey.

» Should You Invest the Entire Rs.10 Lakh in SIF?

I would suggest avoiding investing the entire amount in a single new investment category.
A new product may look attractive today, but concentration risk should always be avoided.
Diversification across well-managed actively managed mutual funds is generally a better long-term strategy.

Instead of putting the entire gift into one option, align it with your family's goals like retirement and children's education.

» Can You Invest in the Existing SIP Portfolio?

Yes, increasing investments in your existing well-diversified portfolio is a simple and disciplined approach.
Instead of making one large investment at a single market level, consider investing the amount gradually over a period.
This reduces timing risk and helps maintain investment discipline.

» Should You Prepay the Home Loan?

An outstanding home loan of Rs.6.5 lakh is relatively small compared to the Rs.10 lakh gift.
Becoming debt free gives financial peace of mind and improves monthly cash flow.
Closing the loan will also free up the Rs.25,000 EMI, which can then be redirected towards long-term investments.

This creates a disciplined wealth-building cycle.

» A Balanced 360 Degree Approach

You may consider:

Prepay the remaining home loan and become debt free.
Redirect the freed-up EMI towards diversified actively managed mutual funds every month.
Invest the balance amount from the gift gradually into your long-term investment portfolio.
Continue building separate investments for your children's higher education and your retirement.

This approach improves both financial security and long-term wealth creation.

» Protection Review

Ensure both of you have adequate health insurance.
Maintain sufficient pure term insurance based on your family responsibilities.
Keep an emergency fund covering at least 6 months of expenses before making any large investments.

» Finally

You are in a very good financial position with regular SIPs and a nearly closed home loan.
Instead of investing the entire Rs.10 lakh in a single new option, focus on a balanced strategy.
Becoming debt free, increasing investments in diversified actively managed mutual funds and redirecting the Rs.25,000 EMI towards wealth creation can strengthen your financial future.
Also review the use of direct plans, as regular funds through an MFD with CFP credential can provide valuable long-term guidance, portfolio reviews and disciplined decision-making.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: It is really inspiring to see that even at the age of 85, you are thinking carefully about protecting your savings. At this stage, wealth preservation becomes much more important than wealth creation.

» Safety Should Be The First Priority

– Your primary objective should be capital safety.

– Regular income and easy access to money should come next.

– Earning an extra 0.5% or 1% return should not be the deciding factor.

– Peace of mind is the real return at this stage of life.

» Avoid Keeping Rs. 25 Lakh In One Bank

– I would not suggest putting the entire Rs. 25 lakh into one bank.

– Diversification is important even for fixed deposits.

– Spreading the money across two or three strong banks reduces concentration risk.

– It also provides flexibility if you need funds unexpectedly.

– Having relationships with multiple banks can be useful for operational convenience.

» A Practical Way To Structure The Deposits

– Keep a portion in a savings account for day-to-day needs.

– Keep a portion in short-term fixed deposits.

– Keep the balance in medium-term fixed deposits.

– This creates a ladder approach where money becomes available periodically without breaking long-term deposits.

– Such a structure balances liquidity and income.

» Income Requirement Matters

– If you require regular monthly income, choose interest payout options.

– If your current income needs are already met, allowing some deposits to compound may be beneficial.

– The exact structure should depend on your monthly cash flow requirement.

» Medical Emergency Planning

– At age 85, medical expenses can arise without notice.

– Keep a separate emergency reserve that can be accessed immediately.

– Avoid locking all funds into long-tenure deposits.

– Liquidity is a very valuable asset in retirement.

» Documentation And Family Preparedness

– Ensure every bank account and fixed deposit has a nominee.

– Keep all deposit receipts and account details in one file.

– Share the location of important documents with a trusted family member.

– This small step can prevent unnecessary difficulties later.

» What To Avoid

– Avoid complex investment products.

– Avoid products with long lock-in periods.

– Avoid investments where withdrawal rules are difficult to understand.

– Avoid taking additional risk merely to earn slightly higher returns.

» Finally

– Fixed deposits remain a suitable option for a person aged 85 when the objective is safety and simplicity.

– However, avoid concentrating the entire Rs. 25 lakh in one bank.

– Spread the deposits across multiple banks, maintain adequate liquidity, keep a medical emergency reserve and ensure all nominations are properly updated.

– At this stage, a well-organised and easily accessible portfolio is often more valuable than a portfolio chasing maximum returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: It is really nice to see that even at the age of 85, you are taking a careful approach towards your savings. At this stage of life, the first priority should be safety of capital, regular income and easy access to money whenever required.

» Is It Safe to Invest Rs.25 Lakh in One Bank?

As a Certified Financial Planner, I would suggest avoiding putting the entire Rs.25 lakh in a single bank.
Even if a bank offers an attractive interest rate, concentration risk should be avoided.
Diversifying your deposits across more than one bank reduces risk and provides better liquidity.

Safety should always come before chasing a slightly higher interest rate.

» How to Invest

Keep a part of the money in a short-term FD for emergency needs.
Invest another part in medium-term FDs to lock in the current interest rate.
Choose monthly or quarterly interest payout if you need regular income for your expenses.
Ensure that all deposits are held either individually or with a suitable nominee so that the family can access them easily if required.

» Maintain Liquidity

Keep some money in your savings account for day-to-day expenses.
Avoid locking the entire amount for a long tenure.
At your age, easy access to funds is more important than earning a slightly higher return.

» Nomination and Documentation

Verify that every bank account and FD has a proper nominee.
Keep a file containing FD receipts, bank details, PAN, Aadhaar and contact details of family members.
Inform your children or trusted family members about these investments.

This simple step can avoid many difficulties later.

» Health and Emergency Planning

Keep a separate emergency fund for medical expenses.
Review whether you have adequate health insurance or sufficient liquid savings for healthcare needs.
Avoid investing in products that have lock-in periods or complicated withdrawal rules.

» Finally

Investing Rs.25 lakh in fixed deposits is a conservative and suitable approach at the age of 85.
However, avoid investing the entire amount in a single bank.
Spread the deposits across multiple banks, maintain adequate liquidity, opt for regular interest payouts if needed and keep all nominations and documents updated.
At this stage, peace of mind and capital protection are much more valuable than trying to earn a little extra return.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: You are asking the right questions at the right age. At 62, the focus should gradually shift from asset accumulation to simplicity, income generation and ease of management. Managing properties located in different states can become increasingly difficult over time.

» Should You Sell The Two Properties?

– The answer depends less on the properties and more on their usefulness to you.

– If the properties are not generating meaningful rental income, are difficult to maintain, require frequent travel or create administrative hassles, then selling deserves serious consideration.

– As we age, convenience becomes a valuable asset.

– If the properties are lying vacant or are underutilised, they may be creating more responsibility than benefit.

– On the other hand, if they are generating good rental income and are being managed efficiently, there may be no urgency to sell.

– Therefore, look at the practicality rather than emotional attachment.

» Points To Check Before Selling

– Verify all ownership documents.

– Ensure there are no legal disputes, encumbrances or title issues.

– Obtain latest property tax receipts.

– Check market value through multiple local sources.

– Avoid distress selling.

– Do not rush because of temporary market news.

– Maintain complete records of purchase cost, improvement expenses and sale proceeds.

– Use banking channels for the entire transaction.

– Consult a qualified tax expert before finalising the sale.

» Capital Gains Planning

– Since these properties are likely held for many years, capital gains tax planning becomes important.

– Proper planning before the sale can help optimise taxes legally.

– Never sign sale agreements before understanding the tax implications.

– A few months of planning can save a significant amount of tax.

» How To Invest The Sale Proceeds

Since your objective is steady income, safety and retirement comfort, the investment strategy should focus on diversification.

– Keep a portion in emergency reserves.

– Allocate a portion to high-quality fixed income investments.

– Allocate a portion to debt-oriented mutual funds.

– Keep a reasonable allocation to actively managed equity-oriented mutual funds for inflation protection.

– Maintain sufficient liquidity for unexpected expenses.

– Avoid concentrating the entire corpus into one product, one institution or one asset class.

» Why Some Equity Exposure Is Still Needed

– Many retirees move 100% into fixed-income assets.

– This looks safe initially but inflation slowly reduces purchasing power.

– At age 62, retirement may last another 25 years or more.

– Therefore, some growth-oriented investments remain important.

– The purpose is not aggressive wealth creation but maintaining purchasing power.

» Income Planning

– Instead of chasing the highest return, focus on creating multiple income streams.

– Rental income, if any.

– Interest income.

– Systematic withdrawals from appropriate investments.

– Emergency reserves for unexpected needs.

– This approach generally provides more stability than depending on a single source.

» Estate Planning

– Since you own multiple properties and financial assets, please ensure:

Nominees are updated.
A Will is prepared.
Asset records are organised.
Family members know where important documents are kept.

– This is often ignored but is a very important part of retirement planning.

» Finally

– If the two properties are becoming difficult to manage because of distance and are not serving a meaningful purpose, selling them can be a sensible decision.

– The objective should not be merely converting property into cash.

– The objective should be converting an illiquid asset into a well-structured retirement income portfolio.

– Focus on safety, liquidity, inflation protection and simplicity.

– A properly diversified retirement portfolio can often provide greater peace of mind than managing distant properties during retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: It is good that you have identified this issue before filing your Income Tax Return. Many investors who purchased shares in physical form face the same problem after moving them to a Demat account. The good news is that it can be sorted out with proper documentation.

» Why This Happens

When old physical shares are converted into Demat form, many brokers receive only the quantity of shares.
The original purchase date and purchase price are often not available in their system.
As a result, the Profit & Loss statement may show incorrect or zero cost of acquisition.

So, you should not depend only on the broker's P&L report for tax calculation.

» Find the Original Cost

Try to collect any of the following documents:

Original share certificates.
Purchase bills or contract notes.
Bank statements showing payment for the shares.
Old dividend warrants or company communications.
Portfolio statements maintained by your previous broker or registrar.

Any available evidence will help establish the purchase cost and holding period.

» Use Grandfathering Benefit if Applicable

If the shares were acquired before 31 January 2018 and sold after that date, the grandfathering provisions may apply.
In such cases, the cost of acquisition may be determined by considering the original purchase price and the market value as on 31 January 2018, as per the applicable tax rules.

This ensures that appreciation before 31 January 2018 is not unfairly taxed.

» If Purchase Records Are Not Available

Contact the company's Registrar and Transfer Agent (RTA) and request historical transaction details if possible.
Check old Income Tax Returns, wealth statements or investment records maintained by you.
If the shares came through corporate actions such as bonus, split or merger, maintain the relevant company announcements and adjust the cost accordingly.

A reasonable and well-supported calculation is always better than assuming the cost as zero.

» Maintain Proper Working Papers

Prepare a separate calculation sheet showing:
Purchase year.
Estimated or documented purchase cost.
Market value as applicable.
Sale value.
Final capital gain.

Keep all supporting documents safely for future reference in case any clarification is sought.

» Tax Planning

If the shares qualify as long-term holdings, long-term capital gains above Rs.1.25 lakh in a financial year are taxed at 12.5%.
If they are short-term holdings, the gains are taxed at 20%.

Correct computation is important because paying excess tax is as undesirable as under-reporting income.

» Finally

Do not rely solely on the broker's P&L statement when it does not contain the original purchase details.
Reconstruct the purchase cost using available records and apply the applicable grandfathering provisions wherever eligible.
Maintain proper documentation and a clear calculation sheet before filing your return. This will help ensure accurate tax payment and avoid future disputes.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: You have done something very sensible. Many investors wait until retirement is very close before reducing risk. You are thinking about de-risking 8-10 years before retirement, which gives you enough time to make gradual adjustments without disturbing your existing portfolio.

» Assessment Of Your Current Portfolio

– Equity allocation of 91% is quite high for someone planning to retire within 8-10 years.

– Since you are single and have no financial dependents, you can afford somewhat higher equity exposure than many retirees.

– However, retirement risk is not about dependents alone.

– The biggest risk is a major market correction occurring just before or immediately after retirement.

– Therefore, reducing equity concentration gradually is a prudent move.

» No Need To Redeem Existing Equity Funds Immediately

– I agree with your approach of not redeeming existing equity mutual funds merely for rebalancing.

– Forced redemption may trigger capital gains tax and interrupt long-term compounding.

– Long-held quality equity funds often deserve time to continue compounding.

– A gradual rebalancing strategy can achieve the same objective with less disruption.

» How To Rebalance Without Redemption

– Stop increasing exposure to equity-heavy categories.

– Direct all fresh investments towards debt-oriented investments.

– Direct future bonuses, incentives and surplus cash towards debt allocation.

– Over time, the debt portion will grow faster than the equity portion.

– This naturally reduces the equity percentage without selling existing holdings.

» Suggested Direction For The Next 8-10 Years

– At this stage, think of moving gradually towards a more balanced allocation.

– The shift should happen slowly over several years and not in one shot.

– Review allocation annually rather than reacting to market movements.

– As retirement approaches, continue increasing the debt allocation progressively.

– This creates a smoother retirement transition.

» Building The Debt Side

You may consider a combination of:

– High-quality short-duration debt funds.

– Banking and PSU debt-oriented categories.

– Money market-oriented funds.

– Fixed deposits for near-term requirements.

– Retirement income-oriented debt allocations.

The objective is stability, liquidity and capital preservation.

» One More Important Observation

– You are holding large-cap, flexi-cap, focused and mid-cap exposure.

– There is already reasonable diversification within equity.

– Therefore, the issue is not necessarily the fund selection.

– The issue is the overall equity percentage.

– Asset allocation matters much more than individual fund selection at this stage.

» About Direct Funds

– Since you mentioned holding direct plans, remember that direct plans require continuous monitoring, portfolio reviews, asset allocation decisions and retirement planning discipline from the investor.

– Many investors focus on lower expense ratios but underestimate the value of periodic portfolio review and behavioural guidance.

– As retirement approaches, having a structured review process becomes increasingly important because allocation decisions often have a bigger impact than fund expenses.

» Finally

– I would not rush to redeem your existing equity mutual funds today.

– Instead, use fresh investments and future surplus money to strengthen the debt side of the portfolio.

– Let the allocation move gradually from the current 91% equity level towards a more balanced retirement-ready structure over the next several years.

– Your portfolio appears to have enough time to de-risk in an orderly manner.

– The goal now is not maximising returns. The goal is protecting the wealth you have already created while still allowing it to grow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: Very good question. In fact, many investors build wealth but forget to build an Emergency Fund. Then one medical emergency, job loss, business slowdown or family issue forces them to break long-term investments at the wrong time.

The purpose of an Emergency Fund is not high returns. The purpose is availability, safety and peace of mind.

» How Much Emergency Fund Is Enough?

– Salaried individuals should keep around 6-12 months of essential expenses.

– Self-employed professionals and business owners should keep 12-24 months of essential expenses.

– If there are senior citizens, a single income family or health concerns, keep on the higher side.

– Calculate based on essential expenses, EMIs, insurance premiums and household costs.

» Biggest Mistake Investors Make

– Keeping entire Emergency Fund in a savings account.

– Or investing the entire Emergency Fund in equity mutual funds to beat inflation.

– Both are mistakes.

– Emergency money should not be exposed to market volatility.

– If a market correction comes when you need the money, your emergency fund stops being an emergency fund.

» Ideal Emergency Fund Structure

I prefer a 3-layer approach.

– 10% to 15% in savings account.

– 20% to 30% in sweep FD or short-term FD.

– 55% to 70% in liquid-oriented or ultra-short duration debt mutual funds.

This provides:

– Immediate access.

– Short-term liquidity.

– Better overall return than keeping everything idle in a bank account.

» How To Protect Against Inflation?

– Emergency Fund is not meant to fully beat inflation.

– Its first job is protection.

– Think of it like health insurance.

– Nobody buys health insurance expecting high returns.

– Similarly, Emergency Fund is a protection asset.

– Trying to maximise returns can defeat its purpose.

» How To Increase Emergency Fund Every Year?

– Review the Emergency Fund annually.

– If your expenses increase by 10%, increase the Emergency Fund by a similar amount.

– This simple annual adjustment helps keep pace with inflation.

– No need for frequent changes.

» Should Equity Be Included?

– No.

– Emergency Fund and wealth creation portfolio should remain separate.

– Equity investments are for long-term goals.

– Emergency Fund is for uncertainty.

– Mixing the two creates unnecessary risk.

» When Should You Use It?

Only for genuine emergencies such as:

– Job loss.

– Business slowdown.

– Major medical expenses.

– Urgent family requirements.

– Unexpected home repairs.

– Temporary cash flow disruption.

Not for:

– Vacations.

– Car purchase.

– Festival expenses.

– Stock market opportunities.

– Lifestyle spending.

» A Practical Example

– Suppose your family needs Rs. 1 lakh per month for essential living.

– Then your Emergency Fund should be based on multiple months of those expenses.

– Build it gradually through monthly SIP-like investments into liquid-oriented options until the target is achieved.

– Once achieved, focus on maintaining it rather than aggressively growing it.

» Finally

– The best Emergency Fund is not the one that earns the highest return.

– The best Emergency Fund is the one available on the day you need it.

– Keep a small amount instantly accessible, a moderate amount in deposits and the balance in liquid-oriented debt funds.

– Review it once every year and increase it as your expenses rise.

– A strong Emergency Fund allows your long-term mutual fund investments to remain untouched during difficult times. That itself can add tremendous value to your long-term wealth creation journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: It is good that you are looking at a regular monthly income instead of only focusing on investment returns. A steady cash flow with capital protection and tax efficiency should be the main priority.

» Is Rs.80 Lakh Enough For Rs.70,000 Monthly Income?

A monthly payout of Rs.70,000 means you need around Rs.8.4 lakh every year.
This works out to a very high withdrawal rate from an Rs.80 lakh corpus.
While some products may offer such payouts for a limited period, sustaining this income for many years without reducing your capital is difficult.

So, the first question should be whether you want:

Regular income while preserving capital, or
Higher income by gradually using your capital also.

» Government Options

Senior citizen-oriented savings products provide stable and predictable income.
Post Office monthly income products can also generate regular cash flow with high safety.
Government-backed deposits offer capital protection but the monthly income may not reach Rs.70,000 from an Rs.80 lakh investment alone.

These options are suitable for investors who prefer stability over high returns.

» Bank Fixed Deposits

Bank fixed deposits can provide monthly interest payouts.
They are simple to understand and offer predictable income.
However, the interest is taxable as per your income tax slab and may not generate Rs.70,000 per month from Rs.80 lakh without using part of the capital.

» Mutual Fund Based Income Strategy

If your investment horizon is long and you can tolerate some market fluctuations, investing in diversified actively managed mutual funds and withdrawing a planned monthly amount can be a better wealth management approach.
The portfolio continues to participate in market growth while providing regular cash flow.
This approach also offers flexibility to increase or reduce withdrawals based on future needs.

If equity mutual funds are redeemed, long-term capital gains above Rs.1.25 lakh in a financial year are taxed at 12.5%, while short-term gains are taxed at 20%.

» Build a 360 Degree Income Plan

Instead of putting the entire Rs.80 lakh in one product, consider dividing it into different buckets:

Keep a portion in safe government-backed products for guaranteed income.
Keep some amount in bank deposits for liquidity.
Invest the remaining amount in diversified actively managed mutual funds for long-term growth and inflation protection.

This creates a balance between safety, income and future wealth.

» Things to Check Before Investing

Your current age.
Whether you need income for 5 years, 10 years or lifelong.
Whether you want the Rs.80 lakh capital to remain intact for your family.
Your tax slab and other income sources.
Inflation, which can reduce the purchasing power of Rs.70,000 over time.

» Finally

There is no government or private investment that can comfortably provide Rs.70,000 every month from an Rs.80 lakh corpus while guaranteeing safety and preserving the entire capital for the long term.
A combination of safe products and diversified actively managed mutual funds is usually a more practical and balanced solution.
If you can share your age, whether you are retired, and whether the income is needed for a fixed period or for life, a more suitable 360-degree strategy can be suggested.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: It is good that you are reviewing your investments instead of blindly continuing them. However, before deciding to switch, it is important to understand why the return appears low.

» First Verify The Return Number

– You mentioned investing Rs. 5,000 per month since August 2019.

– At the same time, you mentioned the accumulated value is around Rs. 12.13 lakh.

– These numbers appear inconsistent because a SIP of Rs. 5,000 per month for that period would generally result in a much lower invested amount.

– Therefore, I suspect either:

The SIP amount may have been increased over time, or
There may have been lump sum investments also, or
The reported return figure may not be the actual SIP return (XIRR).

– Before taking any decision, check the actual XIRR from the mutual fund statement.

» Avoid Judging Based On Recent Performance

– A flexi-cap fund is designed for long-term wealth creation.

– Such funds may underperform for certain periods and outperform during other periods.

– One or two years of lower returns should not automatically trigger a switch.

– The key question is whether the fund has consistently underperformed its category over a reasonably long period.

» Questions To Ask Before Switching

– Has the fund underperformed for 5 years or more?

– Has the fund manager changed significantly?

– Has the investment strategy changed?

– Is the fund taking excessive risk without delivering results?

– Does it still fit your financial goal?

If the answers are largely negative, then a review may be justified.

» Do Not Chase Recent Winners

– Many investors switch from a slow-performing fund to the latest top performer.

– Often, by the time they switch, the cycle changes.

– This leads to buying high and selling low.

– Long-term investing requires patience.

» If A Change Is Needed

– Rather than selecting funds based only on recent returns, look for:

Consistent long-term performance.
Strong risk management.
Experienced fund management team.
Ability to perform across different market cycles.
Reasonable portfolio diversification.

– A well-managed flexi-cap category itself remains a suitable core allocation for many investors.

» Tax Impact Before Switching

– Before redeeming, evaluate capital gains taxation.

– If the gains exceed the exempt threshold, long-term capital gains above Rs. 1.25 lakh will be taxed at 12.5%.

– Therefore, switching should be done only after evaluating both performance and tax implications.

» Finally

– Based on the information provided, I would not recommend switching solely because the displayed return is 5.03%.

– First verify the actual XIRR and review the complete investment history.

– A fund should be judged over a full market cycle and against its category peers, not just by a single return number.

– If you can share:

Your current age,
Investment goal,
Total invested amount,
Current value,
Actual XIRR from the statement,

then a much more accurate assessment can be made on whether to continue, switch or rebalance the investment.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/