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Aruna

Aruna Agarwal  | Answer  |Ask -

Child and Parenting Counsellor - Answered on Mar 07, 2024

Aruna Agarwal is a qualified child psychologist and behaviour therapist with over 20 years of experience.
She has a master’s degree in psychology with a specialisation in behaviour analysis. She focuses on children between the ages of 2-10 years who face challenges related to behaviour, language development or attention issues and providing them with the right life skills.
Agarwal is the owner of Kidzee, a pre-primary school, and Mount Litera Zee School that caters to primary students.... more
Deepak Question by Deepak on Feb 22, 2024Hindi
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Hello Aruna Madam, My daughter 12 years old she is studying in 7th stanard, she doesnt focus on her study, also her hand writing is poor, i try to motivae her daily, but she doesnt care, sometime i think i leave her on his own way, she goes to school irregularly also she said, i am not co-up with school, she is not talk properly with her same age girls/boys, she is comfortable with younger children's. she is interested in drawings, is there any school for drawings

Ans: If the child is telling you about not being able to cope up with school, things you can check can be social skills, academic skills and if there is some kind of lack in comprehension of language. There can be various reasons for this and hence you can check the skill set she has currently.
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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Archana

Archana Deshpande  |100 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 06, 2024

Asked by Anonymous - Jan 23, 2024Hindi
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Hello Madam, My daughter is 12 yr old and is in class 7th. She is not at all interested in studies. She is also not interested in making new friends. She is always busy on playing games on mobile. Studies just one week prior to exams. Her behavior is also becoming rude day by day. Kindly suggest.
Ans: Hello!!
The addiction to mobile after COVID is a menace every parent is facing. The good part is she is aware about her exams and studies at least one week before her exams.

The rude behaviour, lack of focus on studies is all stemming from the mobile games. They are highly addictive and the thrill they give is beyond imagination. Slowly but surely you have to take away the mobile from her, that's the only way to help her look for other sources to keep her busy .Friends, new skills and studies will get her attention only when the mobile is away.

Allocate time for food, sleep, studies, play time and also mobile time( can't just take away the mobile, has to be weaned away from it gradually), in a day. Set a timer for the mobile usage, she has to return the mobile as soon as the timer bell rings.

Pls remember you are the adult here, she is just a child. Guide her, lead her towards better and interesting things to do. You all as a family have to stop sitting with the mobile, start reading books ,play board games , learn a new skill, sing songs, cook together, bake together, you make everything at home an interesting activity, joyful activity, why will a child sit on the mobile?
It is a going to be lot of hard work for you and if the end result of this is seeing your daughter away from the mobile, laughing and talking to her friends, playing around, studying well.....then this is worth all the effort.

..Read more

Archana

Archana Deshpande  |100 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 06, 2024

Asked by Anonymous - Jan 23, 2024Hindi
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My daughter is 10 years old, she dnt want to study at all.we forced her to study then she learned as I am also a working women and her father is in abroad. So, we arrange one home tutor and in evening I taught her also. I explained all subjects throughly to understand her basics. At that time only she studied otherwise she didn't want to study by her own. She always need a pressure for studies due to this her marks are not good at all. She is an average student. Pls suggest what to do?
Ans: Hi!!
A working mother, husband working abroad, there is only so much you can do. Spend quality time with your daughter, bond with her on stuff other than studies, that brings happiness to both of you.
If you as a mother know your child's potential then, this should be good. You are saying she is an average student then set a certain percentage that she can score, when she scores that much then celebrate it. Let her live a balanced life, right amount of time spent on studies and other skills. Expose her to other skills like, music, sports, debating, story telling... she will soon discover something where she excels!!

Set a time for studies, let her study during that time and rest of the time don't keep talking about studies, discuss and do something else. Explain to her why studying is important, make gaining knowledge, studying a rewarding experience. Every child comes with their set of strengths and success. As a mother cherish your child and enjoy your time together. Your child is unique, do not compare her with anyone else.
Inspire her to be happy, healthy and knowledgeable by you being so!!

Happy Parenting! Best wishes

..Read more

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Ramalingam

Ramalingam Kalirajan  |7991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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sir, I should invest 2.81 Cr as advised by you in order to get 200,000 every month after 1 year
Ans: To achieve the goal of receiving Rs 2,00,000 every month after one year by investing Rs 2.81 crore, let’s break it down step by step, taking into account your financial goals and the best investment strategy.

Target and Investment Goal
Objective: Generate Rs 2,00,000 monthly starting after 1 year from your investment of Rs 2.81 crore.
This requires a consistent, sustainable income from your investment corpus to cover monthly expenses.
Your goal is to create a balanced, low-risk, yet growing portfolio that will generate reliable income without too much volatility.
Analysis of Rs 2,81 Crore Corpus
Required Monthly Income: Rs 2,00,000

Annual Income Requirement: Rs 24,00,000

This means your investment should generate approximately 8.5% per annum return to meet your monthly income requirement of Rs 2,00,000.

Evaluating the Risk and Returns:

Generating 8.5% annually is achievable through a combination of equity, debt, and hybrid funds, with the right asset allocation.
Investment Strategy to Generate Monthly Income
1. Dividing the Corpus Between Equity and Debt
Equity Allocation (50% - Rs 1.4 crore):

Equity funds offer higher returns over the long term, typically ranging between 10% and 15% per annum.
Actively managed equity funds can help outperform market averages by focusing on high-quality companies with growth potential.
Debt Allocation (50% - Rs 1.4 crore):

Debt funds can provide stable, low-risk returns of around 6% to 8% per annum.
You should focus on a mix of corporate bond funds and government securities.
This will help reduce the overall volatility in the portfolio while ensuring that you meet your income goals.
2. Monthly Withdrawal Strategy
To generate Rs 2,00,000 monthly, it’s essential to balance withdrawals and growth within the portfolio.
Ideally, start by withdrawing Rs 1,00,000 from debt instruments (safer) and the remaining from equity-based investments.
Rebalancing should occur periodically to make sure the equity and debt portion remain aligned with market conditions.
3. Investing Through Mutual Funds
Regular Funds vs Direct Funds:
Direct Funds may seem attractive due to lower expense ratios, but they require more knowledge, time, and expertise to manage effectively.
Regular Funds, when invested through a Certified Financial Planner (CFP), ensure you get professional guidance, reducing risk and improving long-term returns.
CFP’s expertise can help in identifying the right mutual funds that meet your specific needs and risk tolerance.
Disadvantages of Index Funds
Index Funds track the market, offering limited returns compared to actively managed funds.
They are typically low-cost, but in the long run, actively managed funds can offer better returns by selecting high-growth stocks.
With active funds, you benefit from expert selection that helps outperform the market over time.
Index funds may also suffer during market downturns as they simply follow the market without protection from declines.
Final Insights
Monthly Income: By investing Rs 2.81 crore in a balanced portfolio of equity and debt, it’s realistic to generate Rs 2,00,000 per month starting in one year.
Strategic Withdrawals: Divide the withdrawals across both equity and debt, and review the portfolio regularly to ensure steady growth.
Professional Help: Work with a Certified Financial Planner to optimize your investment strategy, ensuring the best results without excessive risk.
Long-Term Approach: Though your immediate goal is monthly income, your investments must continue to grow in the background to maintain purchasing power as inflation rises.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 16, 2025Hindi
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Hello sir, I am 44 year old and like to retire by age 55. I am having 12 year old son, my wife is house wife. I am having one home that I made two year back having cost 60lac, 24 lac in ppf, 12lac in gold, 14 lac in property, 40000 monthly sip, 5 lac in equity, 2.4 lac nps. My monthly expenses are 40k. Kindly let me know how much more should I save for 56 year of retirement that fulfill my needs.
Ans: Your question requires a detailed financial assessment based on your assets, expenses, and retirement timeline. Let’s break it down step by step.

Current Financial Position
Age: 44 years

Retirement Goal: 55 years (11 years left to save)

Monthly Expenses: Rs 40,000

Existing Assets:

Home: Rs 60 lakh (Not considered for investment)
PPF: Rs 24 lakh
Gold: Rs 12 lakh
Property: Rs 14 lakh
SIP: Rs 40,000 per month
Equity: Rs 5 lakh
NPS: Rs 2.4 lakh
Total Investable Assets: Around Rs 57.4 lakh (Excluding home)

Retirement Corpus Needed at 55
Monthly expenses of Rs 40,000 today will increase due to inflation.

At a 6% inflation rate, your monthly expense at 55 years will be around Rs 75,000.

You need a corpus that can generate Rs 75,000 monthly for at least 30 years.

This requires Rs 3.5 crore to Rs 4 crore (approximate estimate).

How Much More to Save?
Current Investments: Around Rs 57.4 lakh (excluding home).

Future Value of Current Investments at 55 (Assuming moderate returns): Around Rs 2 crore.

Shortfall: You need at least Rs 1.5 crore to Rs 2 crore more in the next 11 years.

You must increase savings and optimise investment returns.

Investment Strategy to Reach the Goal
1. Increase Your SIP Investments
Your Rs 40,000 monthly SIP is good but needs to increase gradually.

Increase SIP by 10% every year to reach the target corpus.

Use actively managed funds for higher growth potential.

2. Maximise NPS Contributions
Your NPS corpus is low (Rs 2.4 lakh).

Increase NPS contributions to get tax benefits and retirement security.

Allocate more to equity within NPS for better growth.

3. Use PPF Wisely
PPF will mature at 15 years but can be extended in blocks of 5 years.

Let it grow for tax-free returns till you retire.

Avoid withdrawing unless necessary.

4. Optimise Gold & Property Investments
Gold does not generate passive income.

Consider gradually shifting gold holdings into mutual funds or NPS.

If your property is not generating income, consider selling or renting it out.

5. Emergency & Health Planning
Keep at least Rs 10 lakh as an emergency fund in fixed deposits or liquid funds.

Ensure you have adequate health insurance for the family.

Final Insights
Your goal of retiring at 55 is possible with better financial planning.

Increase SIPs, boost NPS contributions, and reallocate gold/property for better returns.

Target a corpus of Rs 4 crore to ensure financial security post-retirement.



Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 15, 2025Hindi
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Hello Sir, after resignation from govt job before 60 year, can i continue my nps in all citizens model till 60 year by paying myself for nps without doing any service
Ans: Yes, you can continue your NPS account under the All Citizens Model after resigning from your government job. Here’s how it works:

Key Points About Continuing NPS
You can contribute voluntarily to your NPS account till the age of 60.

You will need to switch your NPS account from the Government Sector to the All Citizens Model.

You can continue to invest in both Tier I and Tier II accounts as per your choice.

Your existing NPS corpus remains intact, and future contributions will grow as per market returns.

You can decide your asset allocation in equity, corporate bonds, and government securities.

Tax benefits will remain the same as per Income Tax rules.

At 60 years, you can withdraw up to 60% tax-free, and the remaining 40% must be used for an annuity.

Steps to Continue NPS After Resignation
Submit a request to your employer or nodal office to change your NPS account to the All Citizens Model.

Visit the NSDL or KFintech website to update your details.

Choose a Point of Presence (POP) for further contributions.

Start contributing voluntarily as per your financial capacity.

Final Insights
You do not need to be employed to continue investing in NPS.

Switching to the All Citizens Model allows you to keep your retirement planning on track.

Ensure you update your contact details and nominee information after resigning.



Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 15, 2025Hindi
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Hello sir, I have 24 Lakhs in my account, in which i have to spend all 20 lakhs for construction of my house this year, and 4 lakhs for personal use . And i will be sitting in my home without any work for the same year, so no income. Some one told me to take a loan of 20 Lakhs as bank will not levy any interest till I have 20 lakhs in the account and by this i will get interest on my 20 lakhs for the time. Is it true. And if it is not advice me to make any profit, as i have already made my mind to spend 20Lakhs this year for home construction
Ans: Your plan is to spend Rs 20 lakh for home construction and Rs 4 lakh for personal use. You will not have any income this year. Someone advised you to take a Rs 20 lakh loan while keeping your Rs 20 lakh in the bank to earn interest. Let’s evaluate if this works.

Does Taking a Loan Make Sense?
Banks always charge interest on loans. Even if you have Rs 20 lakh in your account, you will still pay loan interest.

Your Rs 20 lakh will earn interest only if kept in a fixed deposit. But FD rates are always lower than loan interest rates.

Loan interest is usually 8-9%, while FD interest is 6-7%. You will lose money instead of gaining.

If you take a home loan, you may get a tax benefit. But since you have no income this year, you cannot claim tax deductions.

Processing fees and other charges will add extra costs to the loan.

Keeping a loan unnecessarily is not wise when you already have the money.

Better Ways to Manage Your Money
1. Use Your Rs 20 Lakh Gradually
Do not withdraw all Rs 20 lakh at once.

Keep it in a sweep-in fixed deposit. This will give higher interest while maintaining liquidity.

Withdraw money stage by stage for construction. This way, you earn interest for longer.

2. Keep an Emergency Fund
Set aside Rs 3-4 lakh in a liquid fund or savings account.

This will cover unexpected expenses during construction.

This also helps since you will have no income this year.

3. Invest the Remaining Amount
If any money remains, invest in safe, short-term funds.

Avoid risky investments since you need the money soon.

Final Insights
Taking a loan when you have money is not beneficial.

You will pay more loan interest than you will earn from your deposits.

Use your funds wisely by keeping them in interest-earning accounts.

Maintain an emergency fund to stay financially secure.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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I am retired from service.need monthly rs.50000 from a corpus of Rs.5 cr. How to invest
Ans: Your requirement is Rs 50,000 per month from a Rs 5 crore corpus. The plan must provide stable income, capital growth, and tax efficiency.

Key Investment Principles
Preserve capital while ensuring steady income.

Beat inflation to maintain purchasing power.

Use a mix of fixed income and market-linked investments.

Ensure tax efficiency for better post-tax returns.

Keep liquidity for emergencies.

How to Allocate the Corpus
1. Fixed Income for Stability (40%)
Invest Rs 2 crore in debt instruments for safety.

Use senior citizen schemes, corporate bonds, and debt mutual funds.

Ensure funds are laddered for liquidity.

Interest income can partially support monthly withdrawals.

2. Equity for Growth (40%)
Invest Rs 2 crore in diversified equity funds.

Select funds with strong track records and active management.

Keep a mix of large-cap and flexi-cap funds.

Withdraw gains systematically to support expenses.

3. Hybrid Investments for Balance (15%)
Allocate Rs 75 lakh to balanced advantage funds.

These adjust equity and debt dynamically.

They help reduce risk while generating returns.

They can provide additional income over time.

4. Liquid Funds for Immediate Needs (5%)
Keep Rs 25 lakh in liquid funds.

This ensures easy access to cash.

Helps meet unexpected expenses without disturbing investments.

Generating Rs 50,000 Monthly
Debt investments will give stable interest income.

Systematic Withdrawal Plans (SWP) from mutual funds can provide steady cash flow.

Ensure withdrawals are tax-efficient.

Rebalance the portfolio once a year.

Tax Considerations
Debt fund withdrawals are taxed as per slab.

Equity LTCG above Rs 1.25 lakh is taxed at 12.5%.

Withdrawals from hybrid funds may have mixed taxation.

Emergency and Medical Planning
Ensure Rs 10 lakh medical insurance.

Keep Rs 25 lakh liquid for sudden needs.

Update nominations in all investments.

Final Insights
This plan gives monthly income while keeping corpus safe.

Equity ensures long-term growth and inflation protection.

Debt provides steady income without high risk.

Regular reviews will keep the plan aligned to your needs.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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Should I stop SIP of quant infrastructure fund direct growth Invesing from last two year 5000 monthly SIP. If I stop this SIP in which fund should I invest Please suggest.
Ans: Your investment approach needs careful assessment before stopping the SIP. The decision should be based on your risk profile, goals, and portfolio balance.

Assessing the Current SIP in Sectoral Fund
Sectoral funds focus on one industry, making them highly volatile.

They perform well in specific cycles but can be risky in downturns.

Holding them for long-term wealth creation may not be ideal.

If the fund has performed well so far, consider partial exit.

If you seek more stability, shifting to diversified funds is better.

Should You Stop the SIP?
If this is your only SIP, stopping is not recommended.

If you already hold diversified funds, partial withdrawal is an option.

Sectoral funds need regular tracking and rebalancing.

If you don’t have time for active monitoring, consider a switch.

Alternative Investment Options
Diversified Equity Funds
These funds invest in multiple sectors, reducing risk.

They are managed actively to capture market opportunities.

They offer better stability compared to sectoral funds.

Large and Mid-Cap Funds
These funds balance stability and growth potential.

Large caps provide steady returns, while mid-caps offer higher upside.

They are less risky than pure mid-cap or sectoral funds.

Balanced Advantage Funds
These funds shift between equity and debt based on market conditions.

They reduce downside risk during market corrections.

Suitable for investors seeking moderate risk with consistent returns.

Multi-Asset Funds
These invest in equity, debt, and gold for diversification.

They lower risk while ensuring steady performance.

Ideal if you want less market-linked volatility.

Tax Implications if You Redeem
Equity Mutual Funds:

LTCG above Rs 1.25 lakh taxed at 12.5%.

STCG taxed at 20%.

If you shift from sectoral to diversified funds, staggered withdrawals help.

Final Insights
Sectoral SIPs need close tracking; diversified funds offer stability.

If your portfolio lacks balance, shifting is a wise move.

Consider switching to diversified or balanced funds for long-term growth.

Review investments periodically to ensure alignment with goals.

Let me know if you need a specific fund recommendation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 12, 2025Hindi
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Hi am 56 with corpus of 1.4cr in pf Rd 48 lac Ppf 44 lac Kvp 113 ( 226 on maturity i 2031 Nsc 48 lac Bank bal 3 lac Cash 5 lac Mf 57 lac Sip 1.14 cr Lic 10lac Medical insurance 7.5 lac Shares 10 lac Monthly rental income 17k Divident monthly 85k Canni retire With housing lian of 1.15lac pm to be closed in 2028 Expected rent for that house is 55k pm
Ans: Your financial position is strong, but careful planning is required before retirement. Your income sources and expenses must be balanced to ensure financial security. Below is a detailed assessment of your retirement readiness.

Understanding Your Financial Position
Assets and Investments
Provident Fund (PF) & Recurring Deposits (RD): Rs 1.4 crore

Public Provident Fund (PPF): Rs 44 lakh

Kisan Vikas Patra (KVP): Rs 113 lakh (will become Rs 226 lakh in 2031)

National Savings Certificate (NSC): Rs 48 lakh

Bank Balance: Rs 3 lakh

Cash in Hand: Rs 5 lakh

Mutual Funds: Rs 57 lakh

Systematic Investment Plan (SIP): Rs 1.14 crore

Life Insurance (LIC Policy): Rs 10 lakh

Medical Insurance: Rs 7.5 lakh

Shares: Rs 10 lakh

Current Income Sources
Monthly Rental Income: Rs 17,000

Monthly Dividend Income: Rs 85,000

Liabilities and Major Expenses
Housing Loan EMI: Rs 1.15 lakh per month (Ends in 2028)

Potential Rent from Owned House: Rs 55,000 per month (After Loan Closure)

Assessing Retirement Readiness
Income vs Expenses Before 2028
Current Fixed Income: Rs 1.02 lakh (Rent + Dividends)

Loan EMI: Rs 1.15 lakh

Deficit: Rs 13,000 per month

Action Plan: Until 2028, you may withdraw from FD or MF SWP to cover the shortfall.

Income vs Expenses After 2028
Post-Loan Monthly Rental Income: Rs 72,000 (Rs 55,000 + Rs 17,000)

Dividend Income: Rs 85,000 per month

Total Passive Income: Rs 1.57 lakh per month

Action Plan: After 2028, you can comfortably retire as passive income exceeds EMI burden.

Structuring Investments for Stable Retirement Income
Systematic Withdrawal Plan (SWP) for Regular Income
SWP helps generate tax-efficient monthly income.

Withdraw from debt or balanced funds for stability.

Ensure withdrawals are lower than growth rate to protect capital.

Fixed Deposits and NSC for Safe Returns
Keep a portion in short-term deposits for liquidity.

NSC and PPF grow tax-free; use them for future expenses.

Debt and Gilt Funds for Lower-Risk Returns
Keep money in debt funds for moderate risk and higher liquidity.

Gilt funds provide safer fixed returns.

Stocks and Mutual Funds for Growth
Retain some mutual funds for long-term wealth creation.

Actively managed funds perform better than passive index funds.

Keep some equity allocation for inflation protection.

Managing Liabilities and Taxes
Loan Closure Strategy
Consider prepaying a part of the housing loan using FDs or low-return assets.

Once EMI ends in 2028, rental income increases financial stability.

Tax Planning on Investments
Equity MF LTCG above Rs 1.25 lakh taxed at 12.5%.

Debt MF taxed as per income tax slab.

Plan withdrawals efficiently to reduce tax burden.

Final Insights
You can retire comfortably after 2028.

Till 2028, manage EMI burden using existing funds.

Use SWP, dividends, and rental income for stable cash flow.

Keep a mix of equity, debt, and fixed income for risk management.

Ensure proper tax planning for efficient withdrawals.

Let me know if you need a detailed action plan.

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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