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Ramalingam

Ramalingam Kalirajan  |6287 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 24, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - May 23, 2024Hindi
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I need 30k for 2months I return 35k after 2 months some one help me please

Ans: Seeking Financial Assistance: Strategies and Solutions
Your situation requires a short-term loan of Rs. 30,000 with a promise to repay Rs. 35,000 in two months. Let’s explore viable options to achieve this.

Understanding Your Financial Need
You need Rs. 30,000 urgently and can repay Rs. 35,000 after two months.

This indicates a willingness to pay Rs. 5,000 as interest or service fee.

Your commitment to repayment shows financial responsibility.

Exploring Short-Term Loan Options
Personal Loans
Personal loans from banks or financial institutions are a reliable option.

They usually require a credit check and some paperwork.

Interest rates vary, so compare options to find the best rate.

Peer-to-Peer Lending
Peer-to-peer (P2P) lending platforms connect borrowers with individual lenders.

These platforms offer competitive interest rates and quick approvals.

Ensure the platform is reputable and understand all terms and conditions.

Salary Advances
Check if your employer offers salary advances.

This is a convenient option with minimal paperwork.

Repayment can be deducted directly from your salary.

Friends and Family
Borrowing from friends or family can be a quick solution.

Ensure clear terms of repayment to avoid misunderstandings.

Be transparent about your financial need and repayment plan.

Considering Non-Traditional Options
Credit Cards
If you have a credit card, you can use it to withdraw cash.

Be aware of high interest rates and fees associated with cash advances.

Ensure you can repay the amount quickly to avoid high interest costs.

Payday Loans
Payday loans are short-term loans with very high interest rates.

These should be a last resort due to their high cost.

Understand all terms and conditions before proceeding.

Microfinance Institutions
Microfinance institutions offer small loans with reasonable interest rates.

They cater to individuals who may not qualify for traditional loans.

Check for reputable microfinance institutions in your area.

Evaluating the Cost of Borrowing
Interest Rates and Fees
Compare interest rates and additional fees for different loan options.

Choose the option with the lowest overall cost.

Repayment Terms
Ensure the repayment terms align with your financial capacity.

Avoid loans with high penalties for late payments.

Building a Repayment Plan
Budgeting
Create a detailed budget to ensure you can repay Rs. 35,000 in two months.

Identify areas where you can cut expenses temporarily.

Setting Up a Repayment Schedule
Set up a clear repayment schedule to stay on track.

Automate payments if possible to avoid missing deadlines.

Maintaining Financial Health
Emergency Fund
Consider building an emergency fund to avoid similar situations in the future.

Aim for 3-6 months of living expenses as a buffer.

Credit Score
Ensure timely repayment to maintain a good credit score.

A good credit score will help in securing loans at better terms in the future.

Seeking Professional Advice
Certified Financial Planner (CFP)
Consult a CFP for personalized financial advice.

They can help you create a comprehensive financial plan.

Financial Literacy
Educate yourself on financial management and planning.

Knowledge of financial products and strategies will empower you to make better decisions.

Conclusion
Your need for Rs. 30,000 with a repayment of Rs. 35,000 in two months is achievable.

Explore personal loans, P2P lending, salary advances, and support from friends or family.

Compare options, understand terms, and ensure a clear repayment plan.

Your proactive approach and commitment to repayment are commendable.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |6287 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

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HOW CAN GET 50 K PER MONTH WITH INVESTMENT KINDLY SUGGEST
Ans: To achieve a monthly income of 50,000 from investments without going into detailed calculations:

Investment Horizon:
A longer investment horizon provides more time for your investments to grow and recover from market downturns. With a horizon of 15-20 years, you can consider a mix of equity and debt investments.
Asset Allocation:
Diversify your investments across different asset classes like equities, debt, and possibly real estate or gold. This diversification helps in balancing the risk and potential returns.
Equity Mutual Funds:
For wealth creation over the long term, equity mutual funds have historically offered higher returns. However, they come with higher volatility.
Debt Mutual Funds:
These funds provide stability and regular income with lower volatility compared to equities. They are suitable for investors with a medium risk appetite.
Systematic Investment Plan (SIP):
Investing through SIPs allows you to invest a fixed amount regularly. This disciplined approach to investing can help in achieving your financial goals over time.
Review and Rebalance:
Regularly review your investment portfolio to ensure it aligns with your financial goals and risk tolerance. Rebalance your portfolio if necessary, based on market conditions and your financial situation.
Inflation:
Consider the impact of inflation on your future income needs. Ensure that your investments aim to provide returns that beat inflation to maintain your purchasing power.
Consult a Financial Advisor:
For personalized advice tailored to your financial situation and goals, consult with a financial advisor. They can help you create a customized investment plan and guide you on how to achieve your target income of 50,000 per month.
Remember, investing is a journey, and it's essential to stay committed to your financial goals while being flexible to adapt to changing market conditions.

..Read more

Ramalingam

Ramalingam Kalirajan  |6287 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

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I need money for 2 months 35000
Ans: If you need Rs 35,000 for a short-term period of 2 months, here are a few options to consider:

1. Emergency Fund
If you have an emergency fund set aside, this would be the ideal use for it. It’s designed for unexpected expenses like this, ensuring you don’t disrupt your long-term investments.

2. Personal Loan
Consider a personal loan from a bank or a reputable financial institution. Personal loans typically offer quick disbursal and can be repaid over a short period, such as 2 months. Compare interest rates and terms to find the best option.

3. Credit Card
If you have a credit card with sufficient limit, you could use it for the amount needed. However, ensure you can repay the balance in full within the interest-free period to avoid high interest charges.

4. Withdrawal from Investments
If you have investments in liquid assets like certain mutual funds or fixed deposits, you might consider withdrawing the required amount. Be mindful of any withdrawal penalties or tax implications.

5. Borrowing from Friends or Family
If feasible and comfortable, borrowing from friends or family might be an option. Ensure you have a clear agreement on repayment terms to avoid misunderstandings.

6. Salary Advance
If you're employed, you might inquire about a salary advance from your employer. This allows you to access a portion of your salary in advance, which can be repaid through deductions from future paychecks.

Final Considerations
Evaluate these options based on your personal financial situation and choose the one that aligns best with your needs and ability to repay within the specified timeframe.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6287 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

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I need help of 35 lacs I can pay interest on monthly basis if anyone interested please let me know
Ans: Understanding Your Financial Needs
You need Rs 35 lakhs urgently. You can pay interest monthly. Let's explore the best options.

Leveraging Your Current Assets
Loan Against Fixed Deposit
FDs can be used as collateral for loans.

Interest rates are lower than personal loans.

You keep earning interest on the FD.

Loan Against Mutual Funds
Pledge mutual fund units for a loan.

Interest rates are competitive.

No need to sell your investments.

Loan Against Stocks
Use your stock portfolio as collateral.

Interest rates are favorable.

You avoid selling your stocks.

Personal Loan Options
Bank Loans
Approach your bank for a personal loan.

Compare interest rates and terms.

Choose a reputable bank with good customer service.

NBFC Loans
Non-Banking Financial Companies offer personal loans.

Interest rates may be higher than banks.

Quick processing and disbursement.

Peer-to-Peer Lending
Explore P2P lending platforms.

Interest rates may vary.

Ensure you choose a reliable platform.


Loan Repayment Strategy
Systematic Withdrawal Plan (SWP)
Use SWP from mutual funds to pay monthly interest.

This ensures regular cash flow.

Dividend-Paying Stocks
Use dividends from stocks for interest payments.

This reduces the burden on your savings.

Emergency Fund
Maintain an emergency fund.

This provides financial security.

Tax Efficiency
Tax-Efficient Investments
Choose tax-efficient investment options.

This minimizes your tax liability.

Tax Planning for Loan Repayment
Plan your repayments to optimize tax benefits.
Regular Review and Adjustment
Review your financial plan regularly.

Make adjustments as needed.

Consult a Certified Financial Planner for personalized advice.

Final Insights
You have various options to raise Rs 35 lakhs. By leveraging your current assets and exploring different loan options, you can meet your financial needs. Regularly review your plan and make necessary adjustments to ensure financial stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6287 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 21, 2024

Asked by Anonymous - Jul 21, 2024Hindi
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Money
I have 3 lkhs in hand need 30 lkhs in 5 year pls suggest
Ans: You have Rs 3 lakhs in hand and aim to grow it to Rs 30 lakhs in 5 years. While this is an ambitious target, it's essential to approach it with realistic expectations. Unfortunately, achieving a tenfold increase in your investment over such a short period is nearly impossible without taking on extreme risk.

The Reality of High Returns

High returns come with high risks. The idea of turning Rs 3 lakhs into Rs 30 lakhs in 5 years might be tempting, but the reality is different:

Excessive Risk: Investments that promise such high returns usually involve speculative assets. These can lead to significant losses rather than gains.

Market Volatility: The stock market or other high-risk avenues like cryptocurrencies might offer the potential for high returns, but they are extremely volatile. You could end up losing your principal amount.

Get Rich Quick Myth: The quickest way to wealth is often the fastest way to financial ruin. Chasing quick returns can lead to poor investment decisions.

A More Realistic Approach

While the target of Rs 30 lakhs may be unrealistic in 5 years with Rs 3 lakhs, you can still work towards significant growth by following a more balanced strategy:

SIP in Equity Mutual Funds: Consider investing regularly in equity mutual funds through a Systematic Investment Plan (SIP). Over time, this approach offers the potential for growth without excessive risk.

Debt Funds for Stability: Balance your portfolio with debt funds. They provide steady, albeit lower, returns and help safeguard your investment.

Increase Your Investment Amount: If possible, increase the amount you invest regularly. The more you invest, the closer you’ll get to your target.

Stay Patient: Building wealth takes time. Focus on consistent, disciplined investing rather than chasing high returns.

Final Insights

It's important to set realistic financial goals. Achieving Rs 30 lakhs from Rs 3 lakhs in just 5 years would require an annualized return far beyond what is typically achievable through safe investments. Instead of risking your hard-earned money on high-risk ventures, adopt a balanced and patient approach. Remember, getting rich slowly but surely is a much safer and more reliable path to financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ravi

Ravi Mittal  |296 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 13, 2024

Relationship
6monsth back I started talking to one of my colleague, he is attractive by his nature. Almost everyone likes him. he is intelligent, funny, etc.... In calls he used to tell me about his family, his friends, his thoughts, also about the girl (Aliya) whom he liked a lot for 6years (they belong to same village), but she rejected and told that he is her friend only. He told her that he may get feelings for her if they both remained as friends, so better stop talking. But she insisted that they both need to be friends and continue talking. I felt like may be she needed emotional support that's why she insisted. After coming to Jaipur, Aliya started talking to another man named Jitesh. But my colleague used to feel like a third wheel and started keeping distance. Then also she told that they are just friends and he need not distant himself. She always wanted him to give her the first priority. He also feared that she might get upset if he don't give her 1st priority. They used to talk a lot on phone and share everything. One day he brought her to our bay where we both used to sit and work. that day I really felt like I was a third wheel. I felt very bad.. cried for few days. And decided not to talk to him from then on because I didn't want to cry anymore. But he kept trying to have a talk with me. One day he almost cried because I was ignoring him. I couldn't see him like that and also I felt guilt about my behaviour(my intention was not to hurt him but to save my tears). I couldn't help but starting talking to him. He used to mention to me whenever he used to talk to her. and everytime I used to feel very bad. We started talking a lot after few weeks. Whenever I didn't receive proper response from him I used to become very anxious waiting for his reply and cried a lot. But when he starts talking again I used to feel normal. I never wanted to get into relationships, so everytime I used to tell him directly or indirectly about it. But still he continued to talk to me. One day he called me and said that Aliya is in love with Jitesh. He said being a friend he is very happy for her but after sometime he also said that if you also love someone I will stop talking with you also. I understand that he is little sad that he cannot talk to Aliya as he used to talk before because she is in love with someone else. We continued to talk and kept talking a lot. One day I felt like I am too much emotionally getting connected to him and felt like these long talks need to stop. So I asked him saying that I didn't get clarity. Then he opened up and proposed me. I thought for a day and I felt he is also a good person and said yes to him. Then on he became my world. Then on he started talking little less with other girls. One day Aliya called him saying that Jitesh had an incident where everyone thought he was drowned but he came back safely. She needed emotional support and asked him to come to office. She also said she that one of her colleagues didn't bring lunch and she don't have enough food to give her so she asked my colleague to prepare some food and bring it to office. At first my colleague said no thinking of me but Aliya convinced him emotionally saying that will you leave friends if you get a girlfriend and so he prepared lunch and took it to office. That day when he told me all these I felt devastated, I felt really insecured and cried a lot that is our first fight regarding her. He told me that if you say no I will stop talking to her. She again called and asked my colleague that what was my reaction for all these... he kept silent she guessed what might have happened and told that I understand how she might have felt and will not ask him to bring food to office anytime. Then on fights started increasing between us regarding her. whenever we three had a conversation i felt like thirdwheel and felt he is showing more attention towards her, more care towards her. again a fight. Like that fights started increasing. At first he used to listen to me, but after some days he started saying like my thinking is wrong. I even told him how much I cried but he didn't bothered. I never wanted to break their friendship so I never wanted to ask him to stop talking(even though he gave me that option). I only wanted him to give me my importance but I still feel he shows equal care to both of us. Then how am I different? Later on in our every fight, he started supporting her this gave me more pain. One day he said If I leave her for you, then I may leave you for someone else, that is not my character( this is contrary to what he said previously 'I will stop talking to her if i don't want to'). I cried a lot, I don't have much friends I couldn't share this with anyone.... every moment he is only coming to my thoughts and whenever fights happen due to Aliya, I get disturbed a lot... unable to concentrate on my work... not getting interest to do anything. One day out of anger I said just stop talking to her then his expressions totally changed he became hesistant , he became very sad and said I need sometime and don't know how much( his expression is contrary to what he said 'It doesn't bother me much If I don't talk to Aliya' ). He is that much emotionally connected to her. After 5mins I pinged him saying that I am feeling very guilt about the decision and ask him not to stop talking to her. I understood finally that he still thinks I am wrong and I am tired of fighting. One day when I was very emotional I told him that I will no more bring Aliya topic in our discussion and asked him to do whatever he wants. After this, Whenever Aliya calls him or he call her he used to tell me... sometimes I felt very bad... sometimes I tried to ignore as if it didn't bothered me but didn't start any argument with him. After few days he even stopped telling me if she called him or not also. When he was not telling about Aliya's conversations I thought he understood my feelings and reduced talking with her. but one time accidently my colleague's friend told about the small conversation that my colleague and Aliya had, that's how I came to know that they had a conversation but he didn't tell me. I felt very bad, really very bad... again unable to concentrate on work feel like crying all the time... I can't ask him to stop talking to her because I don't like to do so and also afraid of having negative impression on me in my colleague's mind. at the same time, I feel very very bad whenever they meet or have a call or does something together. I cannot discuss with him about this anymore. what shall i do, this is bothering me a lot and also having effect on my career, peace and life. please suggest. I am ready to correct myself if there is anything wrong from my end. And I can surely say that If i have a boy bestfriend then he would definitely not feel comfortable and will get upset.
Ans: Dear Jia,

When two people enter a relationship, both must try to make each other feel comfortable. If you are uncomfortable with your partner speaking to his friend, who is also his ex-crush, it is perfectly normal for you to voice it. And reading your question I understood that he has repeatedly mentioned that he had feelings for her, and even wanted to sever ties because staying in touch could only further ignite those feelings. I don't see how you are wrong in letting him know that you don't like their interactions. Plus, in a healthy relationship, the partner comes first. Not friends, especially not this kind of friendship.

Just understand that you are not wrong. Even if his intentions are pure and he looks at her like a friend, you have every right to express your feelings. You made no unreasonable demand. She wasn't "just" a friend; she was always more than that, and being insecure about something like that is not uncommon.

The only thing to do right now is to tell your boyfriend that you understand that the friendship is important but you deserve someone who can pick you over everything- obviously, reasonable things. See what he does. And please remember, you actually deserve someone who would pick you. This is not an ultimatum; it's the truth.

Best Wishes.

...Read more

Ramalingam

Ramalingam Kalirajan  |6287 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 13, 2024

Asked by Anonymous - Sep 13, 2024Hindi
Money
Sir, I wish to invest in following MF 1. Tata or UTI nifty 50 index fund . G 2. HDFC focused 30 G 3. Mahindra Manulife multicap Or Nippon multicap..G 4. Motilal Oswal mid cap. Each will have 2.5 L investment Amt. Kindly advise Thanks..
Ans: You are considering investing Rs 2.5 lakh in four different mutual funds. This includes a mix of index funds, focused funds, multi-cap funds, and mid-cap funds. I appreciate your thoughtful selection, but it’s essential to evaluate the pros and cons before proceeding.

In this analysis, I will give you a professional yet simple overview of each type of fund. Let's ensure that your choices align with your financial goals.

1. Index Funds: Pros and Cons
You’ve mentioned the Tata or UTI Nifty 50 Index Fund. Index funds, as you know, passively track an index like the Nifty 50. While this may seem like a safe option, there are some points you need to consider:

Advantages:
Low-cost option.

Simple to understand and follow as it mirrors the index.

Decent long-term growth potential.

Disadvantages:
Lack of flexibility: Index funds follow the market. If the index doesn’t perform well, neither will your investment. This limits returns compared to actively managed funds.
No risk management: Index funds cannot switch away from underperforming sectors.
Miss out on opportunities: Actively managed funds can offer superior returns by taking advantage of market opportunities.
Since actively managed funds offer better flexibility and potential for higher returns, I would recommend focusing on actively managed funds instead of index funds.

2. Focused Funds: A Balanced Approach
You’re considering investing in HDFC Focused 30 Fund. Focused funds invest in a limited number of stocks, typically around 20-30. This allows fund managers to focus on high-conviction ideas.

Advantages:
Potential for high returns: With a limited portfolio, focused funds can give significant returns if the chosen stocks perform well.

Concentration of best ideas: Fund managers can pick the top-performing companies.

Disadvantages:
Higher risk: Because the portfolio is concentrated, if a few stocks perform poorly, it can significantly impact returns.

Volatility: These funds can experience higher fluctuations due to limited diversification.

Focused funds are ideal if you’re willing to take moderate risk. They balance high returns with some risk. Since your portfolio includes emergency funds and insurance, this could be a reasonable choice.

3. Multi-Cap Funds: Balanced Exposure to Large, Mid, and Small Caps
You mentioned either the Mahindra Manulife Multicap or Nippon Multicap Fund. Multicap funds offer exposure across large-cap, mid-cap, and small-cap stocks, providing diversification.

Advantages:
Diversification: These funds reduce risk by investing across the spectrum of large, mid, and small-cap stocks.

Flexibility: Fund managers can shift allocations based on market conditions.

Disadvantages:
Risk in small and mid-cap: Although these funds invest in large caps, the exposure to mid and small caps adds an element of risk.

Performance varies: Depending on market conditions, these funds can underperform if small or mid-caps don’t do well.

Multi-cap funds are an excellent choice for a balanced approach. They give you exposure to all segments of the market, allowing you to benefit from growth in different sectors. However, there’s moderate risk involved.

4. Mid-Cap Funds: High Growth, High Risk
Finally, you’ve considered investing in Motilal Oswal Mid Cap Fund. Mid-cap funds focus on mid-sized companies, which are often in the growth stage.

Advantages:
High growth potential: Mid-caps have higher growth potential compared to large caps.

Diversification across industries: Mid-cap companies come from diverse sectors, providing broader market exposure.

Disadvantages:
Higher volatility: Mid-cap stocks are more volatile than large caps. They can offer high returns but may experience significant fluctuations.

Market dependency: Mid-caps tend to underperform during market downturns, which increases risk.

Mid-cap funds are suitable if you are looking for long-term growth and are comfortable with higher risk. Since your portfolio includes a good mix of other funds, this could be a good growth-oriented addition.

Evaluating Your Overall Portfolio
Balanced diversification: Your portfolio contains a combination of mid-cap, multi-cap, and focused funds. This creates a balanced exposure across different market segments.

Risk assessment: The inclusion of mid-cap and focused funds indicates that you’re willing to take moderate to higher risks. However, avoid over-exposure to mid-caps, as they can be volatile in the short term.

Long-term growth potential: Each fund type offers strong long-term potential, especially with the exposure to mid and multi-cap segments. You’re positioned well for growth over the next 10-15 years.

Recommendations for Improvement
Here are a few suggestions to optimise your portfolio further:

Avoid over-reliance on index funds: As mentioned earlier, actively managed funds may offer better returns. You may want to replace the index fund with a large-cap fund managed by an experienced fund manager.

Review portfolio regularly: It’s essential to review and rebalance your portfolio regularly. This ensures your investments remain aligned with your goals and market conditions.

Consider goal-specific investments: While your portfolio appears diversified, it’s essential to allocate funds specifically for long-term goals like retirement or your child’s education. Make sure your investments match your risk tolerance and time horizon.

Tax Efficiency and Growth
Another critical factor is the tax efficiency of your investments. Mutual funds, especially equity-oriented ones, are tax-efficient compared to fixed deposits and other bank-based savings instruments. The long-term capital gains on equity mutual funds are taxed at 12.5% beyond Rs 1.25 lakh of gains, making them a better option for long-term wealth creation.

By investing Rs 2.5 lakh in each fund, you’re making a decent start. However, don’t forget to review tax implications annually to minimise liabilities and maximise growth.

Final Insights
In summary, your portfolio looks strong with a mix of equity funds targeting growth. However, I suggest replacing the index fund with an actively managed large-cap fund to optimise returns. Continue monitoring your investments regularly and ensure your asset allocation is aligned with your financial goals. With proper planning and regular reviews, your portfolio can help you achieve long-term financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Sushil

Sushil Sukhwani  |549 Answers  |Ask -

Study Abroad Expert - Answered on Sep 13, 2024

Asked by Anonymous - May 23, 2024Hindi
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Career
Hi sir, i have completed BE civil engineering and having 14years of work experience in underground metro constructions. Recently my wife got H1B for North Carolina. If i have to move with her what are the possibilities for work or studies. Is there any one MS course offered by NCSU for construction management? May i know the procedures to follow.
Ans: Hi,

To begin with, thank you for reaching out to us. I’m glad to hear that you and your wife are planning to move to North Carolina and that you intend to study and work there. To answer your question, given your extensive experience in underground metro constructions, you have several opportunities if you move to the USA. You could explore roles in civil engineering firms or construction companies that specialize in infrastructure projects, as your background aligns well with large-scale construction and engineering roles. You should also consider connecting with local engineering societies or professional networks to find job openings or consulting opportunities.

Regarding your interest in pursuing further studies, North Carolina State University (NCSU) offers courses in Construction Project Management, Construction Safety Management, Risk and Financial Management, Materials Management in Construction among others. I would recommend you to connect with an expert to get a better understanding of the various courses that are available in the USA and to know about the procedures to apply for the same.

For more information, you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

...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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