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Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 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
Unmesh Question by Unmesh on May 15, 2024Hindi
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Greetings!! I am 33 years old, working as a civil engineer residing in Chennai with a family of four [ wife and two daughters]. I am earning Rs. 80,000 per month. My investment portfolio is given as below:- 1 LIC - Single Premium Endowment Plan Rs 10,00,000/- 2. LIC - New Money Back Plan - 25 yrs 821 Sum Assured Rs. 5,00,000/- 3. Public Provident Fund Rs. 1,50,000 P.A. 4. Sukanya Samriddhi Yojana Rs. 1,50,000 P.A. 5. Mutual Funds: SIP - Equity Funds Rs. 10,000 per month 6. Mutual Funds: Lumpsum - Equity Funds Rs. 20,00,000 My investment goal is to have a retirement corpus of Rs. 10 Cr. In this regard, I would like to request the following advice: - 1. Whether my investments are on the right track to achieve my goals or should I alter my investment portfolio ? 2. Are there any alternative options to generate passive income to strengthen my financial situation ? Looking forward to hearing from you.

Ans: Strategic Financial Planning for Retirement
Greetings! It's impressive to see your commitment to securing your family's financial future through thoughtful investments. Let's review your current portfolio and explore potential adjustments to align with your retirement goal.

Evaluating Current Investments
Genuine Compliments: Your dedication to financial planning for your family's well-being is truly commendable.

Empathy and Understanding: I understand the importance of ensuring a comfortable retirement for you and your loved ones, given your responsibilities and aspirations.

Assessing Investment Portfolio
Insurance-Cum-Investment Plans: Consider surrendering your LIC policies, as they may not offer optimal returns compared to other investment options.
Public Provident Fund (PPF) and Sukanya Samriddhi Yojana (SSY): These are excellent choices for long-term savings, providing tax benefits and stable returns.
Mutual Funds (MF): Your SIPs and lumpsum investments in equity funds are well-suited for long-term wealth accumulation, given their potential for higher returns.
Aligning with Retirement Goals
Reallocating Surrendered Amount: Reinvest the proceeds from surrendering LIC policies into mutual funds to benefit from potentially higher returns.
Retirement Corpus Target: Your goal of accumulating a retirement corpus of Rs. 10 Crores is ambitious but achievable with strategic planning and disciplined investing.
Passive Income Options: Explore avenues like dividend-paying stocks, rental income from real estate (if suitable), or systematic withdrawal plans (SWP) from mutual funds to generate passive income streams.
Benefits of Regular Funds Investing through MFD with CFP Credential
Certified Financial Planners can provide personalized advice and ongoing portfolio management, ensuring your investments align with your retirement goals.
Mutual Fund Distributors with CFP credentials offer expertise and guidance to optimize your investment portfolio for long-term growth and stability.
Conclusion
By reallocating your investments, focusing on high-return options like mutual funds, and seeking guidance from a Certified Financial Planner, you can enhance your chances of achieving your retirement goal and securing a financially stable future for your family.

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  |8182 Answers  |Ask -

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

Asked by Anonymous - Apr 11, 2024Hindi
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Hello sir, I earn monthly as 1.84 lakh.I spend 60% of my salary in living expense and 40% as savings I spend 11000 in mutual funds which include 5000 in HDFC balanced advantage fund, 2000 in eledweiss mutual fund,3000 in motilal oswal midcap fund direct growth. Have added step up of 20% in each one,also I spend 10000 in NPS and 5000 in PPF every month. This all saving I have started last year. My age is 40 currently. I have a target to generate 2 cr alteast till I reach 60. Will this be possible with this much investment or not, if not how much should I invest monthly. Also I am not able to have emergency fund. How should I manage my financial planning. Also what can be source of passive income. I not good in share market or digital marketing stuffs. Please suggest
Ans: It's great that you're actively saving and investing for your future. However, to achieve your goal of accumulating ?2 crore by the time you're 60, you may need to adjust your investment strategy and consider a few factors:

Emergency Fund: It's crucial to have an emergency fund to cover unexpected expenses, such as medical emergencies or job loss. Aim to save at least 3-6 months' worth of living expenses in a liquid and easily accessible account.

Investment Allocation: While investing in mutual funds, consider diversifying your portfolio across different asset classes such as equity, debt, and hybrid funds to manage risk effectively. Also, review your investment choices periodically to ensure they align with your goals and risk tolerance.

Increasing Investments: To reach your target of ?2 crore by age 60, you may need to increase your monthly investments. Consider using a financial calculator or consulting a financial advisor to determine the monthly contribution required based on your expected rate of return and time horizon.

Passive Income Sources: Explore passive income streams such as rental income from real estate properties, dividends from stocks or mutual funds, or interest from fixed deposits or bonds. These sources can provide additional income without requiring active involvement.

Financial Planning: Consider consulting with a certified financial planner who can help you create a comprehensive financial plan tailored to your goals, risk tolerance, and financial situation. They can also provide guidance on optimizing your investments and achieving financial security.

Remember, achieving long-term financial goals requires discipline, patience, and periodic review of your financial plan. By making informed decisions and staying committed to your goals, you can work towards building a secure financial future.

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Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 19, 2024Hindi
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Dear Ramalingam , Current portfolio stands like this PMS @ 2 value 50L each. SIP ?4L per month and pushing by end of yr another ?1L in Def sector . Overseas property and investment property and shares 825K @ current evaluation ?70 @ each . 45 yrs 1 kid on way ??. Want to retire at 60 passive income of ?8L per month . Advice .
Ans: Current Financial Snapshot
Portfolio:

PMS: Rs 1 crore (2 PMS at Rs 50 lakh each)
SIP: Rs 4 lakh/month
Planned SIP increase: Rs 1 lakh/month
Overseas property and investment property: Rs 70 lakh each
Shares: Rs 8.25 lakh
Age: 45 years

Goal: Retire at 60 with Rs 8 lakh/month passive income

Family: One child on the way

Analysis and Insights
Current Investments:

Diversified across PMS, SIPs, properties, and shares.
High monthly SIP shows strong commitment to investing.
Passive Income Goal:

Rs 8 lakh/month is ambitious.
Requires a strategic investment approach.
Recommended Strategy
1. Increase SIP Contributions:

Current SIP: Rs 4 lakh/month
Planned increase: Rs 1 lakh/month
Aim for annual SIP increases of 10-15%.
2. Diversify Across Asset Classes:

Balance equity, debt, and alternative investments.
Focus on actively managed mutual funds over index funds for better returns.
3. Rebalance Portfolio:

Review asset allocation annually.
Adjust based on market conditions and goals.
4. Property Investments:

Avoid real estate as a primary investment.
Focus on high-growth potential sectors.
Detailed Investment Plan
1. Equity Mutual Funds:

Allocate 60-70% to equity mutual funds.
Diversify across large-cap, mid-cap, and flexi-cap funds.
2. Debt Mutual Funds:

Allocate 20-30% to debt mutual funds.
Provide stability and regular returns.
3. Alternative Investments:

Explore international funds, gold ETFs, and sector-specific funds.
Limit exposure to high-risk sectors.
Steps to Achieve Financial Goals
1. Annual Reviews:

Review investments quarterly.
Adjust based on performance and market trends.
2. Increase SIP Gradually:

Start with Rs 5 lakh/month.
Increase by 10-15% annually.
3. Emergency Fund:

Maintain a sufficient emergency fund.
Covers 6-12 months of expenses.
Final Insights
Disciplined Investing: Stay committed to your investment plan.
Diversification: Spread investments across asset classes for balanced growth.
Regular Monitoring: Review and rebalance your portfolio regularly.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 18, 2024

Money
I am 49 years old working in private sector. Currently, drawing Rs. 1.50 lakhs per month, my investment details. - Lumpsum investment – canara robeco midcap regular – Rs.2 lakhs, union multicap fund –Rs.1 lakh, mahindra Manulife small cap rs.2 lakh; canara robeco multi cap Rs.2.20 lakhs; mahindra Manulife business cycle fund – Rs. 50,000; white oak capital large & mid cap fund – Rs. 100,000; ICICI prudential energy opportunities fund – rs. 100,000 - SIP – HDFC Defence fund – Rs. 10,000; mahindra manulife manufacturing fund – Rs.10000; white oak special opportunities fund 10,000 - FD with HDFC bank – rs. 12,00,000 - LIC – Rs. 10 lakhs My future expenditure, daughters marriage in 3 to 4 years and to purchase house in chennai and to save money for retirement. Please give me advice on how to invest so that I can meet my future demands and have a self-sufficient retirement.
Ans: Assessment of Current Investments
Mutual Funds

Your portfolio has a good mix of midcap, multicap, small-cap, and sectoral funds.
Diversification across different fund categories is appreciable.
However, the allocation to thematic and sectoral funds like defence, manufacturing, and energy is high.
Sectoral funds can be volatile and risky, especially for near-term goals.
Fixed Deposit (FD)

Rs. 12 lakh in FD provides stability and liquidity.
FDs are suitable for short-term needs but offer limited growth potential.
LIC Policy

The LIC policy provides Rs. 10 lakh, likely covering insurance and investment.
Such policies usually yield lower returns than mutual funds.
Future Financial Goals
Daughter’s Marriage (3–4 years)

Allocate funds with a low-risk profile for this goal.
Avoid high exposure to equity for this purpose.
House Purchase in Chennai

Save in instruments that offer both safety and moderate returns.
Flexibility and liquidity are important for this goal.
Retirement Corpus

Focus on long-term equity investments for growth.
Diversify to balance returns and risk.
Proposed Investment Strategy
Short-Term Goals (Daughter’s Marriage and House Purchase)
Utilise Fixed Deposits Wisely

Allocate a portion of your FD for your daughter’s marriage.
Retain some FD for emergency purposes only.
Invest in Debt Mutual Funds

Choose high-quality short-duration or dynamic bond funds.
Debt funds can provide better post-tax returns than FDs.
Keep the money safe and accessible for short-term use.
Avoid Sectoral and Thematic Funds

Shift sectoral fund investments to safer debt-oriented funds.
Sectoral funds are not suitable for short-term goals.
Medium- to Long-Term Goal (Retirement Planning)
Increase SIP in Diversified Equity Funds

Diversify into flexicap, multicap, or large-cap funds.
These funds balance risk and growth for long-term wealth creation.
Reduce Thematic Fund Allocation

Limit exposure to thematic funds to less than 10% of the portfolio.
Reallocate to well-diversified equity funds.
Invest in Hybrid Funds

Include balanced advantage or hybrid equity funds.
These funds reduce volatility while offering equity-like returns.
Consider Equity-Linked Savings Scheme (ELSS)

Invest in ELSS for tax-saving benefits under Section 80C.
ELSS funds also offer long-term growth.
General Recommendations
Review Insurance Policy

Assess if the LIC policy offers adequate life coverage.
If it is a traditional endowment or ULIP, consider surrendering.
Reallocate proceeds to mutual funds for better returns.
Maintain Emergency Fund

Keep 6–12 months’ expenses in a savings account or liquid funds.
This ensures you have liquidity for unforeseen expenses.
Monitor and Rebalance Portfolio

Review your portfolio quarterly or semi-annually.
Rebalance to maintain alignment with your goals.
Focus on Tax Efficiency

Use tax-efficient instruments like ELSS, debt funds, and retirement-focused funds.
Plan withdrawals strategically to reduce tax impact on capital gains.
Retirement Planning Recommendations
Systematic Withdrawal Plan (SWP)

In the future, use SWP from mutual funds for retirement income.
It provides tax efficiency compared to traditional annuities.
Healthcare Planning

Ensure your health insurance coverage is adequate for post-retirement needs.
Increase coverage if necessary to avoid financial strain later.
Invest in Equity for Growth

Continue investing in equities for long-term wealth appreciation.
Equity helps combat inflation effectively over the years.
Final Insights
Your investment portfolio is commendable and diversified. However, some adjustments can improve alignment with your goals. Reduce sectoral exposure and shift towards safer instruments for short-term needs. For retirement, continue SIPs in diversified equity and hybrid funds. Regular monitoring and rebalancing will keep your financial plan on track. With these changes, you can achieve your goals while ensuring a comfortable and self-sufficient retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

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Dear Sir, I am 47 years old IT professional. My current salary is 1.5 lakhs per month. I have a daughter who just completed her 10th board exam. My corpus is around 1.6Cr FD&PPF; 30 lakhs in MF & stocks; 50 lakhs in EPF. I have no debt and living in my own house. Please suggest if I can plan for retirement
Ans: Your financial position is strong, and planning for retirement at 47 is a smart decision. Below is a detailed 360-degree approach to assess whether you can retire comfortably and how to ensure financial security.

Understanding Your Current Financial Position
Income: Rs 1.5 lakh per month.

Corpus:

Rs 1.6 crore in Fixed Deposits (FD) and Public Provident Fund (PPF).

Rs 30 lakh in mutual funds and stocks.

Rs 50 lakh in Employees' Provident Fund (EPF).

Liabilities: No debts.

Assets: Own house, ensuring no rent or EMI burden.

Family Responsibility:

Daughter has just completed the 10th board exam.

Higher education expenses need to be planned.

Key Considerations Before Retirement
Expected Retirement Age

If you plan to retire early (before 55), corpus sustainability needs careful assessment.

If you work till 60, it will provide a larger financial cushion.

Post-Retirement Expenses

Living expenses, healthcare, travel, and lifestyle costs must be considered.

Inflation will increase future expenses.

Daughter’s Education

Higher education costs are significant.

Corpus should cover both education and retirement without compromise.

Medical Expenses

Health costs increase with age.

A high health insurance cover is essential.

Wealth Growth vs. Safety

A mix of equity and debt investments ensures growth while preserving capital.

Excessive reliance on FDs and PPF may limit long-term wealth accumulation.

Assessing If You Can Retire Comfortably
Current Corpus Size

Rs 2.4 crore (excluding house) is a strong starting point.

But, inflation will reduce its real value over time.

Expected Corpus Growth

Investments in mutual funds and stocks should continue to grow.

PPF and EPF offer stable but lower returns.

Withdrawals Post-Retirement

Sustainable withdrawals should not deplete the corpus too soon.

A balanced investment strategy is required.

Gaps in Planning

Heavy reliance on FDs and PPF may not be ideal.

More equity exposure can ensure inflation-beating returns.

Steps to Strengthen Your Retirement Plan
1. Optimising Investment Strategy
Continue investing in mutual funds with a mix of large-cap, mid-cap, and flexi-cap funds.

Reduce dependence on FDs for long-term needs.

Equity mutual funds help counter inflation and grow wealth.

Avoid index funds as they provide average returns without active management.

Regular funds through a Certified Financial Planner (CFP) offer expert monitoring.

Diversify investments between equity, debt, and fixed-income products.

2. Planning for Daughter’s Education
Higher education costs can be Rs 30-50 lakh in the next 5-7 years.

Separate this goal from your retirement plan.

Increase equity investment to build an education corpus.

Avoid withdrawing from retirement savings for education.

3. Building a Healthcare Safety Net
Health insurance should cover at least Rs 30-50 lakh.

Consider super top-up plans for additional coverage.

Maintain an emergency medical fund to cover non-insured expenses.

Review insurance policies periodically.

4. Creating a Sustainable Withdrawal Plan
Avoid withdrawing a large portion of the corpus in early retirement years.

Keep at least 5 years of expenses in liquid assets.

Equity exposure should reduce gradually as retirement progresses.

Use dividends and interest income before selling assets.

Final Insights
Retirement is possible, but adjustments are needed for long-term security.

Continue investing aggressively for the next few years.

Ensure daughter's education is planned separately.

Review investments and insurance regularly.

Keep flexibility in withdrawal strategy post-retirement.

A structured plan will ensure a financially secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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My employer offers a salary sacrifice scheme for pension contributions, but I don't fully understand how it works. What are the potential advantages and disadvantages of joining such a scheme, and how does it affect my take-home pay and long-term financial planning?
Ans: A salary sacrifice scheme for pension contributions allows you to give up a portion of your salary in exchange for increased employer contributions to your pension. It has tax and National Insurance (NI) advantages but also some potential drawbacks.

How Salary Sacrifice for Pension Works
You agree to reduce your gross salary by a chosen amount.

Your employer contributes this amount directly to your pension.

Since your taxable salary is lower, you pay less income tax and NI.

Your employer also saves on NI and may pass on some or all of this saving to your pension.

Advantages
1. Tax and NI Savings
You don’t pay income tax or NI on the sacrificed amount.

Your employer saves on NI (currently 13.8%) and may increase your pension with these savings.

2. Higher Pension Contributions
Since more money goes into your pension, your retirement corpus grows faster.

Compounding over time enhances long-term wealth.

3. Increased Take-Home Pay
Although you sacrifice part of your salary, the NI savings may offset some of the reduction.

Depending on employer policies, your net pay may not drop significantly.

4. Potential Employer Matching
Some employers pass their NI savings into your pension, increasing your total contributions.

Disadvantages
1. Reduced Gross Salary
A lower salary means reduced future pay rises if they are percentage-based.

Life cover, sick pay, and redundancy pay linked to salary may be affected.

2. Lower Borrowing Capacity
Mortgage applications consider salary; a lower reported income might reduce borrowing potential.

3. Impact on State Benefits
If salary drops below certain thresholds, statutory benefits like maternity pay and state pension could be affected.

4. Restricted Access to Pension
The extra pension savings cannot be accessed before retirement (except under specific conditions).

Effect on Take-Home Pay
Your net pay will be slightly lower, but less than the actual amount sacrificed.

The tax and NI savings cushion the impact.

If your employer adds their NI savings, your total retirement savings increase.

Effect on Long-Term Financial Planning
Your pension fund grows faster, improving retirement security.

Short-term disposable income is slightly reduced, so budget planning is important.

Consider how the reduced salary affects other financial goals like buying a house or saving for education.

Should You Opt for It?
If employer NI savings are passed to your pension, it’s highly beneficial.

If you are close to lower tax bands or state benefit thresholds, assess the impact.

If you plan to apply for a mortgage, check how it affects your eligibility.

A Certified Financial Planner (CFP) can help assess your personal situation before making a decision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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Hi Sir , Greetings of the day!! hope you are doing well !! I want to do a savings of 50 lacs in as much less time span as possible because I want to buy a property in Gurgaon. My monthly salary is 1 lac 11k and I am currently investing 10k in mutual fund monthly and 50k in nps yearly. Can you please guide me how can I save 50 lacs and in how much time ?
Ans: Your goal of saving Rs 50 lakh for a property in Gurgaon is ambitious but achievable with the right strategy. Below is a structured approach to help you reach your target in the shortest possible time.

Understanding Your Current Financial Position
Your monthly salary is Rs 1.11 lakh.

You invest Rs 10,000 per month in mutual funds.

Your annual NPS contribution is Rs 50,000.

You haven't mentioned any liabilities or existing savings. If you have any ongoing EMIs or debts, they should be factored in.

Key Considerations for Achieving Rs 50 Lakh Target
The speed of reaching Rs 50 lakh depends on savings rate and returns.

High savings rate is the most reliable way to accumulate wealth.

Investment returns are uncertain and depend on market conditions.

A balanced approach is necessary to ensure stability and growth.

Increasing Your Savings Rate
Currently, you are investing Rs 10,000 per month.

If you can increase it to Rs 50,000 per month, you will reach Rs 50 lakh faster.

Cutting discretionary expenses will free up more money for investments.

Consider reducing unnecessary spending on dining out, luxury items, and vacations.

Redirect bonuses, incentives, or salary hikes towards savings.

Choosing the Right Investment Instruments
Mutual Funds for Growth
Actively managed equity mutual funds can generate better returns than fixed deposits.

A mix of large-cap, mid-cap, and small-cap funds can balance risk and reward.

Mid-cap and small-cap funds have higher growth potential but also higher volatility.

Avoid index funds as they provide average returns and lack active risk management.

Debt Investments for Stability
Fixed deposits, debt mutual funds, and PPF provide stability.

These should be used for short-term parking rather than long-term growth.

Debt mutual funds are taxed based on your income tax slab.

Avoid locking too much money in low-return instruments.

Balancing Risk and Return
Investing entirely in equity mutual funds can generate high returns but comes with volatility.

A mix of 80% equity and 20% debt can provide stability.

As your target nears, shift more funds towards safer instruments.

Avoid speculation and high-risk investments like cryptocurrency.

Role of NPS in Your Goal
NPS is good for retirement but not ideal for short-term goals.

Partial withdrawal is allowed only under specific conditions.

Do not rely on NPS for your property purchase.

Managing Tax Efficiency
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Debt mutual fund gains are taxed as per your income slab.

Investing in tax-efficient instruments will maximize returns.

Estimating the Timeframe
If you invest Rs 50,000 per month, you can accumulate Rs 50 lakh in about 7-8 years with moderate returns.

If you invest Rs 75,000 per month, you can reach Rs 50 lakh in about 5 years.

The faster you increase your savings, the sooner you will achieve your goal.

Final Insights
Increase your monthly investment to at least Rs 50,000.

Focus on actively managed equity mutual funds.

Keep a small portion in debt for stability.

Avoid unnecessary expenses and invest salary increments.

Do not depend on NPS for this goal.

Monitor and adjust your portfolio as needed.

Stay disciplined and patient to achieve your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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Dr Dipankar Dutta  |1092 Answers  |Ask -

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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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