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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
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Asked by Anonymous - Jan 19, 2024English
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हमें बताएं कि आप अपनी वर्तमान नौकरी क्यों छोड़ना चाहते हैं। यह नौकरी साक्षात्कार में नियोक्ताओं द्वारा पूछा जाने वाला एक बहुत ही सामान्य प्रश्न है। इस प्रश्न का उत्तर देने का सही तरीका क्या है?

Ans: नौकरी के साक्षात्कार में इस सवाल का जवाब देते समय कि आप अपनी वर्तमान नौकरी क्यों छोड़ना चाहते हैं, एक सकारात्मक संदेश देना और अपने वर्तमान या पिछले नियोक्ताओं के बारे में नकारात्मक बोलने से बचना महत्वपूर्ण है। यहां युक्तियों का एक संक्षिप्त संस्करण दिया गया है:

1. कैरियर में उन्नति पर प्रकाश डालें: पेशेवर विकास में अपनी रुचि पर जोर दें और कैसे नई स्थिति आपके दीर्घकालिक कैरियर के उद्देश्यों को पूरा करती है, एक दूरदर्शी दृष्टिकोण का प्रदर्शन करती है।

- उदाहरण: "हालांकि मैंने अपनी वर्तमान भूमिका में बहुमूल्य अनुभव प्राप्त किया है, मैं इस नए अवसर को अपने करियर लक्ष्यों के अनुरूप निरंतर वृद्धि और विकास के अवसर के रूप में देखता हूं।"

2. नई नौकरी के सकारात्मक पहलुओं पर जोर दें: यह दिखाएं कि आपको नई भूमिका के लिए क्या आकर्षित करता है, जैसे कंपनी के मूल्य, मिशन या विशिष्ट नौकरी की जिम्मेदारियां। किसी नकारात्मक चीज़ से बचने के बजाय अपनी प्रतिक्रिया को सकारात्मक बदलाव के इर्द-गिर्द रखें।

- उदाहरण: "मैं ऐसी कंपनी से जुड़ने को लेकर उत्साहित हूं जो नवाचार को प्राथमिकता देती है। मेरा मानना ​​है कि मेरे कौशल इस नई भूमिका द्वारा प्रस्तुत चुनौतियों के लिए उपयुक्त हैं।"

3. व्यक्तिगत परिस्थितियों का संदर्भ लें: यदि लागू हो, तो अपने व्यक्तिगत जीवन में बदलाव (जैसे, स्थानांतरण, पारिवारिक परिस्थितियाँ) का उल्लेख करें जो आपको नौकरी खोजने के लिए प्रेरित करते हैं, इस बात पर जोर देते हुए कि इसका आपकी वर्तमान नौकरी से असंतोष से कोई संबंध नहीं है।

- उदाहरण: "मेरी पारिवारिक स्थिति में हाल के बदलावों के कारण, मैं एक ऐसे पद की तलाश कर रहा हूं जो मेरी पेशेवर और व्यक्तिगत प्रतिबद्धताओं के बीच बेहतर संतुलन प्रदान करे। मेरा मानना ​​है कि यह नया अवसर वह संतुलन प्रदान करता है।"

4. नकारात्मकता से दूर रहें: वर्तमान या पिछले नियोक्ताओं, सहकर्मियों या कंपनी संस्कृति की आलोचना करने से बचें। स्वयं को अनुकूल रूप में प्रस्तुत करने के लिए अपनी टिप्पणियाँ सकारात्मक रखें।

- उदाहरण: प्रबंधन के प्रति असंतोष व्यक्त करने के बजाय, कुछ ऐसा कहें, "मैं एक ऐसे कार्य वातावरण की तलाश में हूं जो मेरे सहयोगात्मक और टीम-उन्मुख दृष्टिकोण के साथ अधिक मेल खाता हो।"

मुख्य बात यह है कि आपकी वर्तमान या पिछली भूमिकाओं के किसी भी नकारात्मक पहलू पर ध्यान दिए बिना, नए अवसर के प्रति आपके उत्साह को व्यक्त किया जाए और यह आपके कैरियर के लक्ष्यों के साथ कैसे मेल खाता है।
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Krishna

Krishna Kumar  | Answer  |Ask -

Workplace Expert - Answered on Jan 27, 2025

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मैं 2011 से एक कंपनी में काम कर रहा हूँ और लगभग 13 साल हो गए हैं, इसलिए जॉब इंटरव्यू में मुझे चुनौतियों का सामना करना पड़ रहा है। क्या आप बता सकते हैं कि अगर इंटरव्यू लेने वाला पूछे कि आप अपनी नौकरी क्यों छोड़ना चाहते हैं, जबकि आप 13 साल से ज़्यादा समय से किसी कंपनी से जुड़े हुए हैं, तो मैं क्या जवाब दे सकता हूँ?
Ans: प्रिय श्री. मृत्युंजय

आपके लंबे कार्यकाल के लिए बधाई।

मैं सुझाव दूंगा कि साक्षात्कारकर्ता को खुश करने वाली बातें कहने के बजाय, ऐसी बातें बताएं जिन पर आप विश्वास करते हैं।

यह निम्नलिखित में से कोई भी या सभी हो सकता है।

1. नए अवसरों की खोज करें
2. नौकरी की भूमिका का विस्तार करें
3. चुनौतीपूर्ण कार्य करें
4. कम्फर्ट जोन से बाहर निकलें

..Read more

नवीनतम प्रश्न
Ramalingam

Ramalingam Kalirajan  |8544 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2025

Asked by Anonymous - May 28, 2025
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I am married with a son 3 years old. I am a freelancer and my husband is in IT We have 3 houses in which we live in one and remaining 2 are vacant and they are in Mumbai and Pune. Apart from that we have a farmhouse and a plot of land near Matheran(hill station in Maharashtra) With the increase in AI, I am worried about our job safety and I want to make best use of the properties we have without selling and want good assured income. What can I specifically do with the plot near Matheran as it's in a community. Also I want to plan for our retirement and my son's future.
Ans: You are in a good position. You have strong assets. Now let us shape a long-term plan for you. This will help you get assured income, protect your lifestyle, and secure your son’s future.

Let us look at your situation with a 360-degree lens.

Your Current Financial Strengths

You own three houses. That is a strong foundation. One is self-occupied. Two are vacant. These are in major cities. They have high rental potential.

You have a farmhouse and a plot in a gated community. That gives future flexibility.

You and your husband are both earning. That gives you a dual income cushion.

You have already started thinking about job risks and future planning. That’s the right mindset.

Possible Risks to Be Addressed

AI growth can affect freelance and IT jobs. Income security is important.

Rental income is zero from two houses. That is lost opportunity.

You did not mention your current investments. That can affect retirement planning.

Your son’s education and marriage need long-term planning.

Real estate is illiquid. You cannot sell quickly if urgent money is needed.

Let’s now build a strategy for you.

Plan to Generate Assured Monthly Income

Rent out the two vacant houses. Choose good tenants. Take professional help if needed.

Mumbai and Pune are top rental markets. Choose long-term family tenants. Avoid short-term letting.

Use rental deposits to create an emergency fund. Keep it in liquid instruments.

Explore if farmhouse can be leased to agro-tourism or organic farming setups.

For the Matheran plot, study if homestays are allowed. Gated community rules must be checked.

If allowed, a small cottage or studio for weekend rentals can be explored.

You can manage this as a weekend income source. Build slowly with less cost.

Don’t invest too much upfront. Start small and scale only when income is proven.

Never divert emergency funds for building on the plot. Use only surplus savings.

Future Security Through Diversified Investments

Real estate is already your major asset. So do not invest further in property.

Begin investing in well-diversified mutual funds. Start with hybrid or balanced ones.

SIPs should be monthly. Start with affordable amount. Increase as income grows.

Choose actively managed funds through a Certified Financial Planner and MFD.

Avoid direct funds. They do not give personalised guidance. Long-term discipline needs help.

Avoid index funds. They just copy the market. No flexibility in market corrections.

Professional fund managers actively adjust portfolios in actively managed funds.

Add equity mutual funds for long-term goals like your son’s higher education.

For short-term safety, also use debt mutual funds. But do not overinvest here.

Follow the new MF tax rules carefully. Plan redemptions to reduce tax impact.

Emergency Fund and Insurance Planning

Keep six months’ expenses in a liquid emergency fund. This protects job loss or medical needs.

Separate this from your investment portfolio. Keep it easily accessible.

Ensure both you and your husband have term insurance. Amount should cover at least 10 years’ expenses.

Health insurance must include maternity, childcare, and daycare procedures.

Review policies every year. Add riders only if needed.

Avoid LIC endowment or ULIP plans. If you have them, check surrender value.

Surrender if returns are poor. Shift to mutual funds instead.

Cash Flow Discipline and Expense Planning

Track monthly expenses. Make a family budget. Use a mobile app or notebook.

Keep a cap on lifestyle spending. Do not let income increases affect savings.

Keep 30% of income aside for investments. This must be done monthly.

Keep 20% as flexible. Use for travel, gifts, or extra savings.

Always repay any credit card bills in full. Never keep revolving debt.

Retirement Planning for Both of You

You and your husband must estimate how much monthly income you want after retirement.

Consider inflation. Your Rs. 50,000 monthly need today will double in 15 years.

Create a retirement corpus using mutual funds. Mix equity and hybrid categories.

Use staggered withdrawal plans post-retirement. Do not redeem in one go.

You can use SWP (Systematic Withdrawal Plan) from mutual funds after retirement.

This will give monthly income. Capital stays invested and grows slowly.

Never rely only on rental income for retirement. It may stop due to many reasons.

Maintain asset rebalancing every year. Reduce equity exposure as you age.

Planning for Your Son’s Education and Marriage

You have about 15 years for his college. Start SIPs in child-specific mutual funds.

Choose long-term funds with consistent 10-year returns. Avoid new or untested ones.

Keep separate investments for education and marriage.

Do not mix these goals with your retirement planning.

Estimate college cost with inflation. Break the amount into monthly SIPs.

Add small yearly top-ups to SIP. It helps fight education inflation.

Shift equity to debt when goal is three years away. Protect capital.

Avoid gold for marriage planning. It does not beat inflation over 10 years.

Use mutual funds instead. Add physical gold only in last few years.

Better Use of the Plot in Matheran

This is a beautiful location. Tourists visit often. Community must allow rentals.

Check society rules. Can you lease? Can you build? Can outsiders visit?

If yes, build a 1 BHK or studio unit. Start weekend stay concept.

Register your unit on holiday rental apps. Add solar and water harvesting if possible.

Promote as eco-tourism or couple getaway. Add small garden, Wi-Fi, kitchenette.

Do not take loans for construction. Build only from surplus funds.

Engage a caretaker from nearby village. Give him a profit-sharing model.

Over 2–3 years, this can give you steady passive income.

Do not treat this as your main income source. Use only as side income.

If tourism drops or rules change, income may stop. So do not over-depend.

Creating Financial Documents and Legal Clarity

Maintain a family will. Both you and husband must write it.

Include details of property, mutual funds, bank accounts.

Appoint legal guardians for your son. Add nominee in all investments.

Keep all property documents safe. Scan and store in digital format.

Check if all property titles are clear. Avoid joint disputes later.

Make sure all utility bills and taxes are paid. Maintain up-to-date records.

Final Insights

You are already asset-rich. But cash flow is missing from some assets.

Rental income, mutual fund SIPs, emergency fund, and term plans are key now.

Diversify slowly. Do not over-depend on one asset or income stream.

Matheran plot can give passive income if community allows. But invest with care.

Always use a Certified Financial Planner for investments. Avoid DIY mistakes.

Review your plan every year. Make changes only with guidance.

Stay disciplined. Financial freedom is possible with balance, planning and execution.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8544 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2025

Money
hi my salary income is 3.60 LAKHS MY LOAN EMI IS AROUND 12000 PLEASE SUGGEST
Ans: You are earning Rs. 3.6 lakhs annually. That means a monthly income of Rs. 30,000.

Your loan EMI is Rs. 12,000. That is 40% of your income. It is quite high. Let us plan smartly.

Below is a simple and practical 360-degree financial plan for you.

Income and Expense Analysis

Monthly income is Rs. 30,000. That is your total cash inflow.

EMI is Rs. 12,000. That reduces your free cash to Rs. 18,000.

Basic living expenses like rent, groceries, and utilities must be within Rs. 10,000.

Try to keep monthly spending under control. Reduce luxury and impulsive purchases.

Emergency Fund First

Build an emergency fund of at least Rs. 30,000 to Rs. 45,000.

This will cover 3 to 6 months of basic needs.

Keep this fund in a savings account or liquid mutual fund.

This will avoid loan or credit card use during emergencies.

Loan Management Strategy

EMI of Rs. 12,000 per month is a big load.

Do not take any new loans now. Avoid credit card EMIs or buy-now-pay-later plans.

If possible, check if you can refinance the loan at a lower interest rate.

Use small bonuses or gifts to reduce principal early.

Avoid defaulting. Keep EMI payment top priority.

Monthly Budget Plan

Fixed EMI: Rs. 12,000

Basic expenses: Rs. 10,000

Balance left: Rs. 8,000

Save Rs. 4,000 monthly in a savings account until emergency fund is ready.

After that, start SIPs with Rs. 2,000 to Rs. 3,000 monthly in mutual funds.

Remaining Rs. 1,000 to Rs. 2,000 can be for small goals or yearly expenses.

Insurance Protection

First priority is health insurance.

Buy one personal health insurance even if employer gives one.

Rs. 5 lakh cover is enough now. Choose affordable premium.

Term insurance is not needed if you have no dependents.

If your parents or family depend on your income, then take a term plan.

Keep it simple and affordable.

Short Term Goals Planning

Do you want to save for mobile, bike, vacation, or gifts?

Use recurring deposit or liquid fund for these small-term goals.

Avoid using credit card or personal loan.

Plan the goal. Fix monthly savings. Stick to it.

Keep short-term goals realistic and achievable.

Long-Term Planning

Your salary is not high now. But future income can grow.

Every time you get a hike, save more. Increase SIP by 10% every year.

SIP in diversified equity funds can grow wealth over long term.

Do not invest in direct funds. They lack personal guidance.

Invest through a Certified Financial Planner or MFD with a clear goal.

Avoid index funds. They blindly copy market. They do not beat inflation.

Choose actively managed funds with solid track record.

Stay invested for 5 years or more to see real benefits.

Avoiding Common Mistakes

Do not chase fancy investments. Stick to basic mutual funds and savings.

Do not invest in real estate now. It needs high capital and has risks.

Do not invest in insurance plans. ULIPs or money-back plans give poor returns.

Focus only on pure investment options.

Do not lend money to friends or family. Protect your cash flow.

Tax-Saving Plan

Your income is Rs. 3.6 lakhs. You are below tax slab.

You need not worry about tax planning now.

But if income crosses Rs. 5 lakhs, then invest under 80C.

ELSS mutual funds are good for long-term and tax-saving.

PPF is also a safe and long-term option.

Choose what suits your risk profile and time horizon.

Future Salary Hike – Smart Use

When salary increases, avoid lifestyle jump.

Keep fixed expenses the same. Save more from the hike.

Try to increase SIP by 10% every year.

Build separate funds for retirement, health, and lifestyle needs.

Small savings now will become big money later.

Use every salary growth wisely.

Support From Family

If possible, ask for rent-sharing or food-sharing if staying with parents or siblings.

That will free up Rs. 2,000 to Rs. 4,000 monthly.

Use it to build emergency fund or start SIP early.

Financial planning is not just income-based. It is about how we manage lifestyle.

Keep Financial Discipline

Always spend less than you earn. Save the rest.

Track every rupee. Note expenses in a diary or app.

Set monthly targets and track them.

Reward yourself when you stick to plan.

Investment Priority Ladder

First: Emergency fund

Second: Loan EMI

Third: Basic insurance (health)

Fourth: Monthly SIP in mutual funds

Fifth: Save for short-term needs

Avoid Complex Products

Do not go for ULIPs or endowment plans.

Do not buy gold schemes or chit funds.

Avoid stock trading or crypto. They are risky now.

Avoid direct stock investing without full knowledge.

Stick with mutual funds and simple plans for now.

Review Plan Every 6 Months

Track your budget, savings, and goals.

See if you are meeting your target.

Make changes if income or expenses change.

Consult a Certified Financial Planner every year.

Finally

You are taking the right step by asking for guidance.

Your income is limited now. But good planning can help grow wealth.

Protect your money. Save first. Then invest.

Build habits now. Future becomes easy.

No income is too small. Every rupee can grow if invested wisely.

Keep your plan simple. Stay consistent.

Avoid mistakes. Avoid greed.

Start small. But start now.

Every smart step today builds a better tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8544 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2025

Money
I am 57 and have 1-2 years left for retirement. I have a liquidity of 35 L + which excludes 50 L in FD and 20 L in NCDs besides a equity portfolio of 35 L. A monthly SIP of 8K in equity funds is running. I have my own Health insurance and for family and is adequately covered.Life term plan of 75 L . Since i will be retiring within 2 tears need to balance my portfolio and make best use of the current funds . Pls suggest the bestvway to go about - Thanks Venkat
Ans: Thank you for sharing your complete financial picture.

At age 57, with only 1–2 years left before retirement, it’s wise to fine-tune your investments.

Your discipline and asset-building efforts are appreciable.

Let’s now build a structured approach to manage your portfolio efficiently, before and after retirement.

Below is a 360-degree personalised recommendation, explained simply and in detail.

1. Snapshot of Your Current Position
Age: 57 years

Retirement: Expected in 1–2 years

Term Life Insurance: Rs. 75 lakh cover

Health Insurance: Adequate cover for self and family

SIPs: Ongoing Rs. 8,000 in equity mutual funds

Assets:

Liquid cash: Rs. 35 lakh

Fixed Deposits: Rs. 50 lakh

NCDs: Rs. 20 lakh

Equity investments: Rs. 35 lakh

2. Key Retirement Goals
Ensure monthly income to meet expenses after retirement

Keep liquidity for health, emergencies, and family needs

Protect capital while beating inflation

Simplify asset allocation for peace of mind

3. Asset Allocation Strategy
Now your focus must shift from growth to stability with reasonable returns.

Your portfolio should move to a mix of income-generating and low-volatility assets.

Ideal mix for your profile is:

60% in low-risk debt instruments

30% in moderate-risk hybrid and equity funds

10% in high-liquidity options

4. Safe and Steady Debt Instruments (60%)
Debt gives peace of mind and predictable income.

You already have Rs. 50 lakh in fixed deposits.

But FDs alone are not efficient for income and taxation.

Reallocation is recommended as below:

Use part of the FDs for monthly income options

Use some amount in government-backed savings schemes

Recommended Debt Options
Senior Citizen Saving Schemes (SCSS)

Good safety and high interest payout every 3 months

Limit of Rs. 30 lakh per individual

Ideal for monthly income post-retirement

Post Office Monthly Income Scheme (POMIS)

Monthly payout ideal for day-to-day expenses

Maximum Rs. 15 lakh allowed

Capital is safe and locked for 5 years

Short-Term Debt Mutual Funds

Better tax efficiency over time than FDs

Returns are higher than savings accounts

Good for 1–3 years money with easy withdrawal

Distribute Rs. 60–70 lakh among these options for income, capital safety, and tax efficiency.

5. Hybrid and Balanced Growth Funds (30%)
Equity is needed to beat inflation even during retirement.

But pure equity is risky in short term.

You should now reduce equity risk and still keep some growth.

Balanced and multi-asset funds help here.

Recommended Hybrid Fund Types
Balanced Advantage Funds

These change equity and debt ratio based on market

Useful for reducing risk without exiting equities

Multi-Asset Funds

Invests in equity, debt, and gold together

Well-diversified with moderate returns and low volatility

You may move Rs. 25 lakh from pure equity to these hybrid funds.

It’s better to do this in 3–6 months via monthly switch.

6. Emergency and Liquidity (10%)
Emergency money must be accessible immediately without any penalty.

This money should be kept aside even post-retirement.

You should keep around Rs. 7–8 lakh in liquid options.

Best Places to Park Emergency Money
Savings Bank Account – For immediate use

Liquid Mutual Funds – Slightly better return than savings account

Sweep-In FDs – Offers both interest and liquidity flexibility

Don’t invest emergency funds in any risky or long-term options.

7. Monthly Income After Retirement
Once you retire, your monthly expenses must come from investments.

Start a Systematic Withdrawal Plan (SWP) from hybrid or debt mutual funds.

This is more tax-efficient than FDs.

You can withdraw Rs. 20,000–30,000 monthly depending on need.

Also, use SCSS and POMIS interest payouts as monthly income.

This will reduce the need to touch equity corpus often.

8. Equity Mutual Fund SIP – What to Do
You are running a SIP of Rs. 8,000 per month.

Since retirement is close, you should gradually reduce this SIP.

Redirect the SIP to balanced or hybrid funds instead of pure equity.

It will help in smoother transition and reduce risk.

No need to stop completely now, just change the fund type.

9. Tax Planning Post Retirement
After retirement, your tax slab may reduce.

This will help in planning withdrawals smartly.

Tax Treatment for Your Instruments
FD interest is fully taxable

SCSS and POMIS interest also taxable

Equity mutual funds:

LTCG above Rs. 1.25 lakh taxed at 12.5%

STCG taxed at 20%

Debt mutual funds taxed as per your slab

Use SWP in mutual funds to reduce tax burden compared to FD interest.

Submit 15H for FDs to avoid TDS if applicable.

Plan withdrawals across different instruments to avoid crossing higher tax slabs.

10. Insurance Review
You have a Rs. 75 lakh term life policy.

Keep this till retirement ends.

No need to buy new life insurance at this stage.

Health insurance is already in place.

You may add a super top-up health cover if you foresee higher medical costs.

It’s cost-effective and gives higher coverage.

Check cashless network and hospital coverage annually.

11. Review of NCD Investments
You hold Rs. 20 lakh in NCDs.

These give good returns but come with some credit risk.

As you near retirement, reduce exposure to high-risk NCDs.

Shift part of this to safer debt mutual funds or government-backed options.

If NCDs are maturing soon, don’t renew into similar high-risk instruments.

12. Rebalancing Pure Equity Holdings
You hold Rs. 35 lakh in equities.

This is a significant part of your portfolio.

You must gradually shift some funds from pure equity to hybrid mutual funds.

Don’t sell all at once – use staggered exit over few months.

It avoids tax spikes and reduces market risk.

Stay away from high-volatility stocks now.

13. Importance of Regular Portfolio Review
Retirement portfolio must be reviewed once a year.

Check asset allocation and rebalance if needed.

Look at each instrument’s return and purpose.

Adjust SWP amount based on actual expenses.

Review health and insurance plans yearly.

Discuss changes with a Certified Financial Planner if uncertain.

14. Estate Planning Guidance
Start preparing a simple will to distribute your assets smoothly.

Mention all account and asset details clearly.

Keep nominations updated in bank, MF, and insurance accounts.

Also inform family members about your investments and access details.

This will save them from hassles later.

15. Final Insights
You are already ahead of many in your preparation.

Your asset base is strong and diversified.

Now, you need to focus on structure and risk-reduction.

Ensure you generate monthly income, keep capital safe, and beat inflation.

Balance comfort and returns with well-divided asset allocation.

Don’t chase high returns now – aim for peace and sustainability.

Use a Certified Financial Planner for detailed and personalised rebalancing.

Make adjustments slowly but steadily.

You will enter retirement with confidence and clarity.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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