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Dr Vinod Kumar  | Answer  |Ask -

Kidney Health Specialist - Answered on Apr 19, 2023

Dr Vinod Kumar is a consultant kidney health specialist at Aster RV Hospital, Bengaluru. His expertise includes critical care nephrology, paediatric nephrology and kidney transplantation. He has performed more than 500 kidney transplants, including robotic and high-risk transplants.
Dr Kumar completed his MBBS from JSS Medical College, Mysuru, followed by an MD in internal medicine from the Karnataka Institute of Medical Sciences, Hubballi. He has a DNB in nephrology from St John's Medical College, Bengaluru.... more
Nanda Question by Nanda on Apr 18, 2023Hindi
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Dear Sir, I am 48 Yrs Male, Having BP from last 10 years and taking medicine daily morning, now BP always 150/100 and I also have BPH, I am regularly doing Morning walk and Yoga, Please suggest Sir

Ans: Hi. You are having early onset hypertension. Try to rule out any secondary causes of hypertension, especially kidney disease. You need to do Urine routine, Urine PCR and creatinine to rule out any kidney disease. Also you should do renal artery doppler to rule out any issues to the blood vessels supplying the kidneys. Once kidney disease is ruled out, you need to consult a physician and adjust your BP medicines. Continue with your walk and yoga. If obese, try to reduce weight. Reduce the salt intake.
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Milind

Milind Vadjikar  |379 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 11, 2024

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HelloMr. Arora, I'm going to be 54 in May and have no retirement plan yet. As we have 2 budget stores 1 is going ok and other one we just started. I want to get around 4cr after 10 years. While our investments are my LIC is 84000 yearly for 20 years which will be matured in 2033 and 2034 SIP's are Axis ELSS Tax Saver Fund (G) 1000 p/m from 2020 Bank of India ELSS Tax Saver Fund Reg (G) 1500 p/m from 2022 Kotak Equity Opportunities Fund (G) 2500 p/m from 2022 Quant Small Cap Fund (G) 1500 p/m from 2022 my wife's SIP are Bank of India ELSS Tax Saver Fund Reg (G) 5000 p/m from 2024 Canara Robeco ELSS Tax Saver Fund Reg (G) 2500 p/m from 2021 Quant ELSS Tax Saver Fund (G) lumsum amount 2L in 2021 Union ELSS Tax Saver Fund (G) 2500 p/m from 2021 Value of above is today 11Lacs I also have shares and invested in it 3L, now a days its cost is 4Lacs besides that I have made 2 more small SIP's in nippon as well from this year. My wife is also working while I look after the stores. We have our own two houses (1Cr and 90Lacs) (both lone free.) One we bough last year with 33k EMI for next 20 years. I'll get 3L next year in july, one of my tax saving policy will be matured. I have big ancestral land in hills (agricultural but barren), will be cost 1Cr and one more an ancestral house. Can you please guide me about the investment, so we can diversify and make 4cr in another 10 years. We also have one small kid for him we have already taken 2 child eductional plans and for that we pay 1,25,000/- yearly seperately. Which he will get when he will be 18. Please guide me. regards Amy
Ans: Hello;

Your current monthly SIP of 16.5 K may grow into a sum of 40.7 L after 10 years.

The 11 L worth holding in mutual funds as on today may grow into a sum of 37.34 L after 10 years.

The 4 L worth share holding as on today may grow into a sum of 13.58 L after 10 years.

The LIC endowment policy may yield you a sum of 22.45 L in 2033.(Maturity)

Adding all these amounts we get a sum of 1.14 Cr after 10 years.

Supposing you sell your land property currently valued at 1 Cr and invest it lumpsum in a pure equity mutual fund then after 10 years you may expect a sum of 3.39 Cr. (Returns from mutual funds and equity considered at 13% and endowment insurance policy return assumed at 6%)

So your total corpus will become 3.39+1.14=
4.53 Cr.

Seek help from a mutual fund distributor or investment advisor to select appropriate funds for your requirement.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

Milind

Milind Vadjikar  |379 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 11, 2024

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 11, 2024

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Sir i have parag parikh flexicap, hdfc flexicap, franklin india flexicap, canara robeco flexicap, sbi long term equity fund and icici prudential equity & debt fund. I have allocated 2000 rupees sip in each of these funds. Do i need to remove or add any fund. I am 41 years old. My time horizon is 20 years for wealth creation. Is my portfolio good or do i need any changes? Do i need to have any value fund or is this portfolio a right mix of value, momentum, growth?
Ans: You are currently investing in five flexi-cap funds and one balanced fund, with Rs. 2,000 allocated as SIP in each. This setup gives you exposure to a diversified mix of equity with a minor portion of debt through the equity-debt fund. Let us evaluate your portfolio based on your time horizon of 20 years for wealth creation and see if any changes are necessary.

Here is a detailed assessment from a Certified Financial Planner perspective:

Flexi-Cap Fund Concentration
Diversified Approach: You have selected four different flexi-cap funds. Flexi-cap funds are versatile as they invest across all market capitalizations, providing exposure to large, mid, and small-cap stocks. This ensures that you are well-diversified across sectors and market sizes.

Duplication Risk: However, having multiple flexi-cap funds may cause portfolio overlap, as these funds can end up holding similar stocks. Since your investment is spread across multiple flexi-cap funds, it might reduce the potential for diversification, especially if the same top-performing stocks are held in different funds.

Suggested Action: You might want to consider reducing the number of flexi-cap funds to avoid redundancy. Keeping two flexi-cap funds instead of four can simplify your portfolio and still provide enough diversification. Choose the two funds that have consistently performed well and are aligned with your long-term goals.

Balanced Allocation with Equity and Debt
Balanced Strategy: Your choice of one equity and debt fund adds stability to your portfolio. This fund balances the risk and provides you with some debt exposure, reducing volatility, especially in uncertain market conditions.

Time Horizon and Risk Tolerance: Given that your time horizon is 20 years, you may not need a heavy debt allocation in the early stages. At your current age of 41, it is beneficial to have equity dominance, but as you approach retirement, you may want to increase your debt allocation gradually. For now, having one equity-debt fund is sufficient for risk management.

Growth, Value, and Momentum Mix
Growth Funds: Flexi-cap funds typically focus on growth stocks. They aim to invest in companies that have the potential for higher earnings, thus delivering capital appreciation. This is beneficial for your wealth creation goal over 20 years.

Value Investing Exposure: Your current portfolio does not seem to have a dedicated value fund. Value funds invest in stocks that are undervalued but have strong fundamentals. Adding one value fund may provide a cushion during market downturns and ensure that your portfolio has a broader range of investment styles.

Momentum Funds: Some of the funds in your portfolio may adopt a momentum strategy, but it is worth checking their strategy to see if they are adequately capturing this style. Momentum funds aim to invest in stocks that have had high returns in the past, potentially providing high returns during bullish markets.

Suggested Action: To ensure a well-rounded mix of investment styles, you could consider adding a value fund to complement your growth-oriented flexi-cap funds. This would provide a blend of both growth and value investing, making your portfolio more resilient during market volatility.

Long-Term Tax Implications
Equity Mutual Funds Taxation: Under the current tax rules, long-term capital gains (LTCG) above Rs. 1.25 lakh from equity mutual funds are taxed at 12.5%. If you sell any fund units before three years, the short-term capital gains (STCG) will be taxed at 20%. As you are investing for 20 years, most of your gains will fall under LTCG, allowing you to benefit from the lower tax rate on long-term gains.

Equity-Debt Fund Taxation: The equity-debt fund will have different tax implications. For the equity portion, LTCG is taxed as mentioned earlier. However, the debt portion's LTCG will be taxed as per your income slab if held for more than three years. If you sell before three years, the gains will be taxed as per your current income slab.

Direct vs Regular Funds
Direct vs Regular Fund Debate: While direct funds offer lower expense ratios, they require active monitoring and financial knowledge. Regular funds, invested through a certified financial planner (CFP), offer advisory support and better portfolio management without requiring you to follow markets constantly. As your time horizon is long, it’s advisable to continue investing through regular funds under the guidance of a CFP, as they can optimize your portfolio strategy over time.

Professional Guidance: Continuing with regular funds ensures that you benefit from active fund management, professional advice, and regular portfolio reviews. A Certified Financial Planner can guide you through changes in market conditions and help adjust your portfolio accordingly.

Disadvantages of Index Funds
Why Actively Managed Funds Are Better: While index funds track the market, they do not offer the flexibility to respond to changes in market conditions. Actively managed funds, like the ones in your portfolio, allow fund managers to adjust their strategy based on market trends. This flexibility often leads to better returns over long periods, especially when market volatility is high.
Importance of SIPs and Consistency
Systematic Investment Plan (SIP) Benefits: By investing Rs. 2,000 in each fund monthly through SIPs, you are using a disciplined approach. SIPs offer rupee cost averaging, which helps in reducing the impact of market volatility. As markets rise and fall, SIPs help accumulate more units when prices are low, thus improving the long-term performance of your investments.

Consistent Investing for Wealth Creation: With a 20-year horizon, the key is consistency. By sticking to your SIPs and making adjustments when necessary, you will allow your wealth to grow exponentially. The power of compounding will work in your favor over such a long duration, significantly boosting your wealth.

Portfolio Simplification
Potential Fund Overlap: As mentioned earlier, reducing the number of flexi-cap funds can simplify your portfolio without compromising on diversification. Overlap in your current flexi-cap funds might lead to higher exposure to the same stocks, which could reduce your overall portfolio's effectiveness.

Streamlining for Focus: A more streamlined portfolio can make it easier to track performance and make informed decisions. It will also reduce the management effort required from your Certified Financial Planner, ensuring that you receive more focused advice and monitoring.

Final Insights
Your portfolio is well-diversified across flexi-cap funds, offering growth potential across different market capitalizations. However, having multiple flexi-cap funds may lead to redundancy and could be simplified.

A value fund can be added to create a balance between growth and value strategies, providing better risk management during market corrections.

Your allocation to an equity-debt fund is good for stability, but equity should remain dominant for wealth creation over the next 20 years.

Stick to regular funds for long-term growth, and avoid index funds due to their limitations in capturing market opportunities.

Continue with SIPs, ensuring consistency, which will maximize the benefits of compounding over your 20-year horizon.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 11, 2024

Asked by Anonymous - Oct 11, 2024Hindi
Money
Hello Sir, I'm 45 years and starting my MF investment journey, I've selected the below MFs to invest in from a view for my Retirement Planning, If I intend to build a corpus of 5 Cr by 60 yrs of age, are these the right MFs to go with, or do you suggest swapping these for any better ones, kindly suggest. Also can you pls suggest how much amount should I invest lumpsum and via SIPs in these? Thank You !! HDFC Retirement Savings Fund - Equity Plan - G 15yrs(lockin 5 years) Edelwiess Mid Cap Fund - G 12 yrs DSP Health Care Fund - G 10 yrs Bandhan Nifty Alpha 50 Index Fund - G 8 yrs ICICI Pru. Equity & Debt Fund - G - 6 yrs Kotak Low Duration 2 yrs
Ans: It's great to see that you're starting your investment journey at the age of 45. You have a well-thought-out goal of building a Rs. 5 crore corpus by the time you turn 60, and I appreciate the long-term perspective you've adopted.

Let’s dive into a detailed evaluation of the mutual funds you've selected and how they align with your retirement objective. I will also provide insights on how to balance your investments between lump sum and SIPs.

Portfolio Evaluation for Retirement Planning
HDFC Retirement Savings Fund - Equity Plan (15 Years, 5-Year Lock-In)

This fund provides a balanced approach to long-term equity growth with the added advantage of tax saving. However, since it has a five-year lock-in, it restricts flexibility.

Retirement-focused funds often come with higher charges, which may impact returns over the long term. You may want to explore alternatives that offer greater flexibility and lower costs.

It's important to understand that funds specifically marked for retirement often have restrictions on withdrawals, and while that helps you stay disciplined, other diversified equity funds can offer similar returns without the lock-in.

Edelweiss Mid Cap Fund (12 Years)

Mid-cap funds can offer strong growth potential. However, they come with higher volatility. Over a 12-year horizon, the performance can be impressive, but be prepared for periods of market swings.

You could include a diversified large- and mid-cap or flexi-cap fund to balance out the higher volatility associated with mid-caps. While mid-cap exposure is good for growth, diversification will add stability to your portfolio.

DSP Health Care Fund (10 Years)

Sectoral funds, such as healthcare, are typically more volatile and focused on specific sectors. Healthcare can be a long-term growth story, but it is subject to regulatory risks and industry-specific headwinds.

For retirement planning, a more diversified approach may yield better risk-adjusted returns. Instead of concentrating on a single sector, you may want to consider sector rotation or thematic funds that give exposure to broader growth themes.

Bandhan Nifty Alpha 50 Index Fund (8 Years)

Index funds, while low-cost, tend to deliver market-average returns. In this case, the Nifty Alpha 50 Index is based on stocks with strong alpha generation potential. However, index funds lack the active management that can help capture market opportunities and mitigate risks during downturns.

Actively managed funds, handled by experienced fund managers, can outperform during volatile markets and provide you with an opportunity for higher growth. While index funds are low-cost, you may not get the most out of your investment compared to an actively managed fund.

ICICI Prudential Equity & Debt Fund (6 Years)

Hybrid funds like this one balance the risk between equity and debt. They provide a cushion during market corrections due to their debt component while also participating in equity market growth.

For a retirement portfolio, hybrid funds offer a safer route but may not deliver the aggressive growth needed for a Rs. 5 crore corpus in 15 years. These can complement your portfolio, but you may need more equity-focused funds to meet your target.

Kotak Low Duration Fund (2 Years)

Low-duration funds are primarily suited for short-term goals or as a safe parking space for funds. These funds are not ideal for long-term wealth creation due to their limited growth potential.

For retirement planning, equity exposure is essential for generating inflation-beating returns. This fund could be part of your debt allocation, but for a 15-year horizon, you should prioritize equity-heavy investments.

Recommendations for Building a Rs. 5 Crore Corpus
Based on your age and time horizon, achieving Rs. 5 crore in 15 years is a reasonable and attainable goal with the right mix of investments.

Diversification: While you’ve picked a few good funds, the portfolio can benefit from broader diversification. Rather than sector-specific or index funds, consider a mix of large-cap, mid-cap, and multi-cap funds for more balanced growth.

Actively Managed Funds: Actively managed funds often provide higher returns than index funds, particularly in the long term. Fund managers can capitalize on market fluctuations and opportunities that passive index funds cannot.

Flexibility in Retirement Funds: A retirement-focused fund with a lock-in period may limit your options. Consider funds that offer flexibility in withdrawals and fund switches for greater control over your retirement assets.

Balanced Portfolio: A good retirement portfolio should have both equity and debt components, but you should tilt more towards equity for growth in the initial years and gradually increase debt allocation as you approach retirement.

Lump Sum vs. SIP Investments
For retirement planning, the most effective way to invest is a combination of lump sum and SIPs. Here’s how I would recommend you allocate:

SIP Investments: Allocate a larger portion (around 75-80%) of your monthly savings towards systematic investment plans (SIPs). SIPs are great for rupee-cost averaging and help reduce the impact of market volatility over time. For example, if you can invest Rs. 40,000 per month, start SIPs in a diversified portfolio of equity and hybrid funds.

Lump Sum Investments: If you have any surplus funds, invest them in lump sum during market corrections or dips. Lump sum investments can be deployed in balanced hybrid funds to reduce the risk of market timing.

Taxation Considerations
Equity Mutual Funds: Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Mutual Funds: LTCG and STCG are taxed according to your income tax slab.

You should also regularly review your investments to ensure you stay on track with your tax-saving strategies.

Suggested Action Plan
Start with SIPs: Begin monthly SIPs in a mix of diversified equity and hybrid funds, focusing on long-term growth.

Use Lump Sum Wisely: Invest any windfall gains or bonus amounts as lump sum during market corrections. Consider parking the lump sum in liquid funds temporarily and then moving it to equity funds.

Monitor and Review: Keep track of your portfolio’s performance and make adjustments based on market conditions, your changing financial needs, and tax implications.

Finally
Your goal of building a Rs. 5 crore corpus is achievable with disciplined and regular investments. By focusing on the right funds, balancing between equity and debt, and leveraging the power of SIPs, you will be able to create a strong retirement corpus.

I encourage you to stay invested for the long term, be consistent, and review your portfolio periodically. A well-diversified portfolio with a greater focus on equity will help you reach your financial goals with ease.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 11, 2024

Money
Sir i am 41 years old. i have parag parikh flexicap, hdfc flexicap, canara robeco flexicap, franklin india flexicap, sbi long term equity fund and icici prudential equity & debt fund. Do i need to add or remove any fund. Does my portfolio has the right mix of value, growth, momentum style of investing or do i need to add any value fund?
Ans: You have a good selection of mutual funds in your portfolio, Sir. Your current portfolio includes funds from different styles, such as flexicap and hybrid funds. This provides a decent mix of growth, value, and diversified investment strategies. However, there are a few aspects you should consider to improve the overall alignment with your long-term goals.

Let’s go through your current funds and evaluate their strengths and areas where changes might be beneficial.

Flexicap Funds in Your Portfolio
You have multiple flexicap funds in your portfolio:

Parag Parikh Flexicap
HDFC Flexicap
Canara Robeco Flexicap
Franklin India Flexicap
Flexicap funds are versatile as they invest across large, mid, and small-cap companies. This gives you flexibility to capture opportunities across the market, making them an attractive choice. However, having too many flexicap funds can lead to overlap, meaning you might be investing in the same stocks repeatedly, reducing overall diversification.

Points to Consider:
Portfolio Overlap: Since all these flexicap funds invest across market caps, there’s a risk of them holding many common stocks. This dilutes the benefits of diversification.
Fund Styles: Each fund house follows a different style—some focus more on large caps while others tilt towards mid or small caps. But, having too many funds in the same category could lead to inefficiency.
SBI Long Term Equity Fund (ELSS)
This fund falls under the Equity Linked Savings Scheme (ELSS) category, which offers tax benefits. It's a solid choice if you're looking to save tax under Section 80C, but keep in mind that ELSS funds have a three-year lock-in period.

Points to Consider:
Lock-in Period: Your SBI Long Term Equity Fund comes with a lock-in of three years, but that can be a good thing as it forces you to stay invested.
Growth Focus: The primary focus of this fund is growth, with a tendency to invest in companies with higher growth potential.
ICICI Prudential Equity & Debt Fund
The hybrid nature of this fund provides a balanced approach by investing in both equities and debt instruments. This fund is less volatile than pure equity funds and offers a cushion during market downturns. It also provides you with some stability, which is essential as you grow closer to retirement.

Points to Consider:
Balanced Approach: This hybrid fund adds stability to your portfolio with its debt exposure, which is crucial, especially in volatile markets.
LTCG Taxation: Be mindful that when you sell this fund, the taxation will follow the LTCG rules for debt funds, which is different from pure equity mutual funds.
Assessing the Mix of Investment Styles
Now, let's analyse the mix of investment styles in your portfolio—growth, value, and momentum. Here's how your current funds line up:

Growth: Parag Parikh Flexicap and Franklin India Flexicap have a strong growth focus. Growth funds invest in companies expected to grow at an above-average rate compared to other companies. This brings higher returns but can be riskier.

Value: HDFC Flexicap and Canara Robeco Flexicap have a more balanced approach with some value-oriented strategies. Value funds focus on undervalued stocks, aiming to capitalise when the market recognises their true potential. This approach is less volatile.

Momentum: Currently, your portfolio lacks a specific momentum-oriented fund. Momentum funds focus on stocks that have performed well recently and are likely to continue doing so in the short term.

Points to Consider:
Balanced Style: You already have a good mix of growth and value funds. Adding a momentum fund could diversify your investment styles further, making your portfolio more dynamic.

Avoid Overlap: While flexicap funds are flexible, too many similar funds could lead to over-diversification. This may reduce your portfolio’s efficiency in terms of returns.

The Importance of Adding a Value Fund
If you want to enhance your portfolio’s exposure to different styles, you could consider adding a fund focused entirely on value investing. Value funds are often overlooked, but they play an essential role during market corrections or periods of economic downturn. They seek to invest in companies that are undervalued, offering long-term potential once the market realises their true worth.

Points to Consider:
Balancing Risk: Value funds are less volatile and provide stability during downturns. They can serve as a cushion for your portfolio, balancing out the riskier growth-oriented investments.

Long-Term Growth: A value fund’s slow but steady performance can help you achieve stable growth in your portfolio over the years.

Diversification of Market Capitalisation
You currently have exposure to large, mid, and small-cap companies through your flexicap funds. However, it might be helpful to examine how much of your portfolio is concentrated in large-cap stocks versus mid and small caps. Large caps provide stability, while mid and small caps offer higher growth potential but with increased risk.

Points to Consider:
Large Cap Stability: Ensure that a reasonable portion of your portfolio is in large-cap stocks. This will provide your portfolio with stability and reduce overall risk.

Mid and Small Cap Growth: Mid and small caps offer higher growth but can be volatile. Make sure you’re comfortable with the risk that comes with these investments.

Disadvantages of Index Funds in Your Portfolio
You’ve wisely avoided index funds, which tend to underperform compared to actively managed funds, especially in the Indian market. Index funds simply track the market, offering no opportunity for active stock selection. In contrast, actively managed funds allow fund managers to pick stocks that have the potential to outperform, especially in volatile markets.

Points to Consider:
No Active Management: Index funds offer no opportunity for active management, which can limit your returns in the long run.

Outperformance Potential: Actively managed funds have the potential to outperform the market, especially during downturns. The fund manager’s expertise becomes a crucial advantage.

Disadvantages of Direct Funds
Direct mutual funds may seem appealing due to their lower expense ratios, but investing through a regular plan with a Certified Financial Planner (CFP) has significant benefits.

A CFP will help you manage your portfolio more effectively by offering timely advice, rebalancing your investments, and ensuring you’re aligned with your goals. Direct funds lack this guidance, leaving you on your own to make important financial decisions.

Points to Consider:
No Professional Guidance: Direct funds offer no advisory support. You may miss out on crucial market insights that a CFP can provide.

Portfolio Mismanagement: Without professional advice, you could overexpose yourself to risk or miss opportunities to rebalance your portfolio.

Taxation Aspects of Your Portfolio
The new mutual fund taxation rules can impact your returns:

LTCG on Equity Funds: Long-term capital gains above Rs 1.25 lakh are taxed at 12.5%.

STCG on Equity Funds: Short-term capital gains are taxed at 20%.

Debt Funds: Both long-term and short-term capital gains are taxed as per your income tax slab. This is important to keep in mind when selling any debt portion of your hybrid fund.

Points to Consider:
Tax Efficiency: Hybrid and debt funds can impact your tax liability, so plan accordingly when making withdrawals.

Equity Taxation: Your equity mutual funds will give you tax-free gains up to Rs 1.25 lakh, making them more tax-efficient in the long run.

Finally
Your portfolio has a strong foundation, but it could benefit from further optimisation. By reducing overlap in flexicap funds and adding a value-focused fund, you can diversify your investment styles more effectively. Consider adding a momentum fund to enhance your portfolio’s dynamism.

It’s also wise to keep an eye on the allocation between large, mid, and small caps. While your hybrid fund provides stability, ensure that your overall exposure to equities aligns with your risk appetite as you approach retirement.

Lastly, avoid the temptation of index and direct funds. They may seem cost-efficient, but they lack the advantages of active management and professional guidance, which can make a big difference in long-term wealth creation.

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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