Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |7776 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 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
Ashish Question by Ashish on Mar 02, 2024Hindi
Listen
Money

Hi, I am 36 years old, married & have 1 child (3 year old). Me & wife have combined income from salary of 3.75 lakh post taxes. We are investing in following funds & have investment horizon of more than 15 years. Aditya BSL Pure Value - 2k DSP Value Fund - 4k HDFC Small Cap - 2K Kotak business cycle - 5k Kotak Emerging Equity fund - 2K Motilal Oswal large and Midcap - 10k Bandhan Core Equity - 2k Baroda BNP India Consumption - 3k Franklin India Prima - 4k HDFC Mid Cap Opportunity - 2k HSBC Small Cap - 5k Nippon India Flexi Cap - 7.5 SBI small cap - 4k White Oak capital Large and Mid - 7.5k ICICI prudential India opportunity -10k NPS - 15K Equity Market - 25K SGB - 15K LIC -10K. I'm looking for the same investment till next 15 years. Definitely will increase the MF amount every year. I'm looking for at least 20+ Cr corpus at the age of 55. Please guide me with the existing investment. Total Liability like Home Loan and Top up loan EMI is 42K. I want to make same EMI for Loan and future surplus amount to be invest in equity market with low risk as I'm moving towards early 40s.

Ans: Based on your investment portfolio and financial goals, let's evaluate your current strategy. You've made a commendable effort in diversifying your investments across various mutual funds and other instruments, aiming for a substantial corpus in the next 15 years. Your commitment to increasing your mutual fund investments annually is a wise move, considering the potential for wealth accumulation over time.

However, let's delve into a few considerations. While your investment horizon is long-term, it's prudent to periodically review your portfolio's performance and adjust it according to changing market conditions and your evolving financial situation. With increasing age and responsibilities, it's natural to prioritize stability and lower risk in your investments.

You've mentioned a desire to maintain your current loan EMIs while directing surplus funds towards equity markets with lower risk. This approach aligns with a conservative yet growth-oriented investment strategy, balancing the need for stability with wealth creation potential. As you move towards your early 40s, this cautious approach can provide a cushion against market volatility while still capturing growth opportunities.

While your current portfolio includes a diverse mix of actively managed mutual funds, it's important to acknowledge the disadvantages of solely relying on actively managed funds. These can include higher expense ratios and the possibility of underperformance compared to benchmark indices. However, the benefits of active management, such as the potential for outperformance and flexibility in portfolio construction, justify their inclusion in your investment strategy.

In conclusion, your commitment to long-term wealth creation is admirable. By maintaining a disciplined approach to investing, periodically reviewing your portfolio, and balancing risk and growth opportunities, you're on track to achieve your financial goals.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |7776 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Money
Hi, I am 36 years old, married & have 1 child (3 year old). Me & wife have combined income from salary of 3.75 lakh post taxes. We are investing in following funds & have investment horizon of more than 15 years. Aditya BSL Pure Value - 2k DSP Value Fund - 4k HDFC Small Cap - 2K Kotak business cycle - 5k Kotak Emerging Equity fund - 2K Motilal Oswal large and Midcap - 10k Bandhan Core Equity - 2k Baroda BNP India Consumption - 3k Franklin India Prima - 4k HDFC Mid Cap Opportunity - 2k HSBC Small Cap - 5k Nippon India Flexi Cap - 7.5 SBI small cap - 4k White Oak capital Large and Mid - 7.5k ICICI prudential India opportunity -10k NPS - 15K Equity Market - 25K SGB - 15K LIC -10K. I'm looking for the same investment till next 15 years. Definitely will increase the MF amount every year. I'm looking for at least 15+ Cr corpus at the age of 55. Please guide me with the existing investment.
Ans: Thank you for providing details about your financial situation and investment goals. It's commendable that you have a long-term investment horizon and are committed to increasing your investment amounts annually. Let's analyze your current portfolio and provide guidance to help you achieve your goal of accumulating a corpus of Rs. 15 crores by the age of 55.

Current Portfolio Analysis
1. Diverse Mutual Fund Investments
You have a well-diversified portfolio across various mutual funds, including large cap, mid cap, small cap, value, and thematic funds. This diversification helps mitigate risk and capture growth across different market segments.

2. Monthly SIP Amount
Your current SIPs in mutual funds amount to Rs. 71,000 per month. This disciplined approach to investing through SIPs ensures regular contributions and benefits from rupee cost averaging.

3. Additional Investments
Besides mutual funds, you also invest in NPS (Rs. 15,000), equity market (Rs. 25,000), Sovereign Gold Bonds (SGB - Rs. 15,000), and LIC (Rs. 10,000). These investments provide further diversification and stability to your portfolio.

Evaluating Your Investment Strategy
1. Investment Horizon
With an investment horizon of over 15 years, you have the advantage of time on your side. Long-term investments in equity mutual funds can help you achieve significant capital appreciation.

2. Portfolio Diversification
Your portfolio includes a mix of large, mid, and small cap funds, as well as value and thematic funds. This diversification is essential to spread risk and capture growth across various sectors and market caps.

3. Regular Increment in SIP Amounts
You plan to increase your SIP amounts every year, which is a wise strategy. This helps in maintaining the purchasing power of your investments and accelerates the growth of your corpus.

Recommendations for Optimization
1. Focus on Quality Funds
While your portfolio is well-diversified, it's essential to focus on quality funds with a consistent track record. Regularly review the performance of your funds and replace underperformers with better alternatives.

2. Reduce Overlapping
Some of your funds may have overlapping investments in similar stocks. Reducing overlapping can enhance the efficiency of your portfolio. For example, having too many small cap funds can lead to redundancy.

3. Maintain Asset Allocation
Regularly rebalance your portfolio to maintain the desired asset allocation. This ensures that your investment strategy remains aligned with your risk tolerance and financial goals.

Projected Growth and Corpus Calculation
1. Expected Returns
Assuming an average annual return of 12% from your equity mutual funds, you can project the growth of your investments over the next 15 years. Historical data suggests that well-diversified equity portfolios can achieve such returns over the long term.

2. Increasing SIP Contributions
Increasing your SIP contributions by 10% annually can significantly boost your corpus. This strategy takes advantage of compounding and helps in accumulating a larger corpus.

3. Additional Contributions
Your investments in NPS, equity market, SGB, and LIC also contribute to your overall corpus. Ensure these investments are aligned with your risk tolerance and financial goals.

Example Calculation
Let's consider a simplified example to project your corpus:

Initial Monthly SIP: Rs. 71,000
Annual Increase in SIP: 10%
Annual Return on Mutual Funds: 12%
Over 15 years, this strategy can help you accumulate a significant corpus. Please note that actual returns can vary, and it's essential to review and adjust your strategy regularly.

Importance of Consulting a Certified Financial Planner
1. Personalized Advice
A Certified Financial Planner (CFP) provides personalized advice based on your financial situation, goals, and risk tolerance. They help you make informed decisions tailored to your needs.

2. Expert Management
A CFP continuously monitors your investments and market conditions. They make necessary adjustments to your portfolio, ensuring it remains on track to achieve your financial objectives.

3. Risk Management
A CFP employs strategies to manage risk and optimize returns. Their expertise helps in navigating market volatility and safeguarding your investments.

Conclusion
Your disciplined investment approach, diversified portfolio, and long-term horizon put you on a strong path toward achieving your goal of accumulating Rs. 15 crores. By focusing on quality funds, reducing overlap, and maintaining a balanced asset allocation, you can optimize your investment strategy.

Regularly consulting with a Certified Financial Planner (CFP) will provide you with personalized advice and expert management to keep your investments on track. Your commitment to increasing your SIP contributions annually further enhances your potential to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7776 Answers  |Ask -

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

Money
Hi, I am 36 years old, married & have 1 child (3 years old). My & wife and I have combined income from a salary of 4 lakh post taxes. We are investing in the following funds & have an investment horizon of more than 15 years. Wife Aditya BSL Pure Value - 2k DSP Value Fund - 4k HDFC Small Cap - 2K JM Financial Mid Cap - 10K Kotak business cycle - 5k Kotak Emerging Equity fund - 2K Motilal Oswal large and Midcap - 10k Motila Oswal Business Cycle Fund - 10k My Self Bandhan Core Equity - 2k Baroda BNP India Consumption - 3k Franklin India Prima - 4k HDFC Mid Cap Opportunity - 2k HSBC Small Cap - 5k Kotak Special Opportunity Fund - 10K Nippon India Flexi Cap - 7.5 SBI small cap - 4k White Oak capital Large and Mid - 7.5k ICICI prudential India opportunity -10k Equity Market - 25K SGB - 10K LIC - 5.2K. I'm looking for the same investment till next 15 years. Definitely will increase the MF amount every year. I'm looking for at least 15+ Cr corpus at the age of 55. Please guide me with the existing investment
Ans: Your portfolio demonstrates impressive discipline and diversification. Your strategy aligns well with your long-term goals. Let’s evaluate your investments from different perspectives to enhance your financial journey.

Income and Savings Allocation
You and your spouse have a combined post-tax income of Rs 4 lakh monthly. This indicates a healthy cash flow for both expenses and investments.

You are currently investing a significant portion of your income. It’s commendable and reflects your commitment to wealth creation.

Ensure you have adequate emergency funds in place. Ideally, maintain 6–12 months of household expenses in liquid assets like bank deposits or liquid funds.

Regularly increase your investments in line with your income growth. This will help mitigate inflation and maintain financial discipline.

Portfolio Diversification
Your portfolio includes large-cap, mid-cap, small-cap, and thematic funds. Let’s analyse its structure:

Equity Funds: Your portfolio has a good mix of large-cap, mid-cap, and small-cap funds. However, there may be an overlap in holdings due to multiple funds in similar categories.

Thematic and Sectoral Funds: These add potential for higher returns but come with higher risk. Maintain their allocation within 10–15% of your portfolio.

Direct Stocks (Equity Market): A Rs 25K monthly allocation here adds direct exposure. This is suitable if you have expertise and time to track individual stocks.

Debt and Gold: Investments in Sovereign Gold Bonds (SGBs) and LIC provide stability. However, LIC policies may have lower returns compared to other instruments.

Steps to Optimise Your Portfolio
1. Reduce Fund Overlap
Multiple funds in similar categories can lead to duplication. Consolidate funds with similar investment styles.

For example, instead of holding several mid-cap funds, select one or two strong performers.

2. Evaluate LIC Policy
LIC is a low-return investment compared to equity funds. If you hold traditional LIC policies, consider surrendering them after a cost-benefit analysis.

Reinvest proceeds into mutual funds for better compounding over 15+ years.

3. Balance Asset Allocation
Equity investments dominate your portfolio, which is suitable for your time horizon.

Continue allocating 10–15% to debt and gold for stability. Use a debt mutual fund for better tax efficiency than LIC policies.

Keep reviewing asset allocation annually based on life events or market conditions.

4. Increase Systematic Investment Plan (SIP) Amount
Increase SIPs by at least 10–15% annually to match income growth.

This disciplined approach ensures consistent wealth accumulation.

5. Review Fund Performance Regularly
Monitor fund performance every 6–12 months. Exit funds underperforming their category for over two years.

Choose funds managed by experienced fund managers with a proven track record.

6. Tax Efficiency
LTCG above Rs 1.25 lakh is taxed at 12.5%. Keep this in mind while redeeming equity funds.

Use the tax-harvesting strategy by redeeming gains below Rs 1.25 lakh annually to minimise tax liability.

Insurance Coverage
Ensure you and your spouse have adequate term insurance covering at least 10–15 times your annual income.

A health insurance policy for the family is crucial. Consider a super top-up policy for additional coverage.

Avoid investment-linked insurance products. Term insurance is cost-effective, and mutual funds provide better returns.

Child’s Future Planning
Start a dedicated SIP for your child’s education and marriage. Allocate funds in diversified equity schemes.

Goal-based investing helps in disciplined savings and keeps you on track.

Retirement Planning
Your target corpus of Rs 15+ crore by age 55 is realistic.

Focus on equity for growth. Add balanced funds or flexi-cap funds for moderate risk-adjusted returns.

Avoid early withdrawals to benefit from compounding over 15+ years.

Thematic Investments
Funds like business cycle or thematic funds are high-risk. Keep allocation limited to avoid concentration risks.

Evaluate the suitability of these funds every three years.

Risk Management
Your equity allocation indicates a high-risk appetite. Reassess your risk profile every 3–5 years.

Avoid emotional decisions during market volatility. Stay focused on long-term goals.

Final Insights
Your financial discipline and long-term approach are excellent. Optimising your portfolio with fewer funds and higher SIP amounts will improve efficiency. Regular reviews and a clear focus on goals will ensure success.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4091 Answers  |Ask -

Career Counsellor - Answered on Feb 04, 2025

Listen
Career
Hello sir My daughter is in 8th grade ICSCE and moving to 9th now, she need to choose subjects. She is not interested in maths but want to take commerce and economics. Without maths will there be good options in future for studies and career? Please assist
Ans: Praveen, Your daughter has great job choices in banking, finance, marketing, law, corporate secretary, mass communication, journalism, and hotel management even if she can pursue Commerce and Economics without Mathematics. Higher studies possibilities comprise B.Com (Bachelor of Commerce), B.A (Bachelor of Business Administration), BA Economics, Law (BA LLB/BVA LLB), Mass Communication & Journalism, and Hotel Management. Jobs in banking and finance; marketing and sales; HR; corporate secretary; legal profession; and entrepreneurship abound. Nonetheless, some elite institutions and universities could demand Mathematics, and disciplines like Data Science, Finance, and Actuarial Science mostly depend on it. She can still have a brilliant future in commerce and economics even if she hates maths greatly. She should investigate courses in Business Studies, Accountancy, or Entrepreneurship alongside Commerce & Economics since Applied Mathematics can be a useful substitute. Please note, The level of Mathematics required in Commerce and Economics depends on the specific subjects and career paths chosen. Commerce without Maths involves basic calculations and logic-based thinking, while Economics without Maths involves basic statistics, graphs, and logical reasoning. B.Sc. Economics requires higher Maths, while Commerce with Applied Maths covers practical topics like financial mathematics, probability, statistics, and logical reasoning. Career paths include B.Com, BBA, CS, Law, HR, Digital Marketing, and Entrepreneurship. If a daughter dislikes Maths but wants Commerce/Economics, Commerce without Maths is a safe choice. If she is not able to cope up with ICSCE Board, it is advisable to change her into CBSE. If she is struggling with the ICSE board, it is advisable to transfer her to CBSE. All the Best for Your Daughter's Prosperous Future.

Follow RediffGURUS to know more on 'Careers | Health | Money | Relationships'.

...Read more

Milind

Milind Vadjikar  |961 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 02, 2025Hindi
Listen
Money
Dear Milind Sir, Please refer below comments for your further queries I am 50 year old want to retire this year. My current corpus 1.4 Cr FD , owned 2 flats total worth 1.2 cr.and site worh 60 L in 2 tier city . Term insurance of 2 cr. Invested in varous polcies around 1 cr . I have one daughter studying in 10th class. Wife fitness trainer and karate trainer wanted to open her own fitness class. Planning to earn through some passive income ( trading, shares) Can i retireAns: Hello; Are you occupying one of the two flat owned by you or both are given on rent? Yes I am occupying one of the flat. Getting monthly rent of 12 K and i am planning to sell it off If yes how much rental income/expense? How much is the current total regular monthly expense? Current monthly expenses 40 to 50 k Answer to these queries will help us to guide you suitably.
Ans: Hello;

You may sell the second flat and land site owned by you.

It may fetch you around 1.1 Cr(~50 L flat value and 60 L land site value).

Therefore your total corpus adds upto around 2.5 Cr(1.4 Cr FD+ 1.1 Cr RE sale proceeds).

You may keep a sum of 50 L towards higher education corpus for your child.

For the balance 2 Cr, if you buy an immediate annuity, you may expect a monthly income of around 1 L.

This conveniently meets your regular monthly expenses and provides a surplus.

Part of the surplus may be invested in equity savings type mutual funds so as build a corpus over 10 years which may be used to boost retirement income.

Maturity proceeds of various endowment policies which have subscribed to, may be used to step up the annuity income to account for inflation.

Annuities may have lower rate then FD but it is offered for long tenures thereby avoiding the reinvestment risk.

Ultimately it is your preference.

Do buy adequate healthcare insurance for yourself and your family.

Also a word of caution on plan to undertake trading and investment in direct stocks. Define a certain minimum risk capital (say 10 L) which you may not mind even if lost completely and then venture out for stock trading. No MTF, No FNO.

Also take trades based on own self study or recommendation from a registered research analyst. Trading based on social media and TV tips is a sure way to disaster.

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7776 Answers  |Ask -

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

Asked by Anonymous - Feb 03, 2025Hindi
Money
I m 48 years old. Married with no kids. I have Pf of 12 lakhs, ppf of 15 lakhs, NPS 16 lakhs. MF 50 lakhs. Fd 5 lakhs. I live in metro. I have own house. When can I retire at the earliest?
Ans: You are 48 years old, married, with no children.

Your retirement savings include:

Provident Fund (PF): Rs. 12 lakhs

Public Provident Fund (PPF): Rs. 15 lakhs

National Pension System (NPS): Rs. 16 lakhs

Mutual Funds: Rs. 50 lakhs

Fixed Deposits (FD): Rs. 5 lakhs

You own your home and live in a metro city.

This forms a solid foundation for early retirement planning.

Key Financial Goals to Consider
Retirement Corpus: Ensuring your savings last 35+ years post-retirement.

Lifestyle Expenses: Covering day-to-day costs in a metro city.

Healthcare: Planning for medical expenses beyond insurance coverage.

Inflation: Managing the rising cost of living over time.

Each goal will help us determine when you can retire comfortably.

Assessing Your Retirement Readiness
At 48, you are close to traditional retirement age.

Your current corpus totals Rs. 98 lakhs across investments.

Without kids, future expenses may be more predictable.

However, healthcare and inflation remain key concerns.

Let’s break down if your corpus is enough to retire early.

Estimating Retirement Expenses
Living in a metro city usually means higher expenses.

Consider daily costs, utilities, transportation, and leisure activities.

Don’t forget to factor in unexpected medical emergencies.

Estimate your current monthly expenses and adjust for inflation.

This helps identify the income needed post-retirement.

The Role of Inflation
Inflation reduces your money’s value over time.

Even with a modest rate, expenses double in 12-15 years.

Investments must outpace inflation to maintain your lifestyle.

Equity exposure helps achieve inflation-beating returns.

Ignoring inflation risks depleting your corpus too soon.

Evaluating Your Current Investments
Mutual Funds (Rs. 50 lakhs): Offer growth potential for long-term needs.

NPS (Rs. 16 lakhs): Provides retirement-focused growth with tax benefits.

PPF (Rs. 15 lakhs): Safe, tax-free returns but limited liquidity.

PF (Rs. 12 lakhs): Offers stable, long-term growth.

FDs (Rs. 5 lakhs): Provides safety but low returns after tax.

A diversified mix, but needs optimization for early retirement.

Generating Regular Income After Retirement
Use Systematic Withdrawal Plans (SWP) from mutual funds for monthly income.

SWPs offer regular payouts while keeping your investments growing.

Allocate part of your corpus to debt funds for stable income.

Equity investments continue to grow for long-term needs.

This strategy balances income and growth effectively.

Rebalancing Your Portfolio for Retirement
Shift gradually from high-risk to balanced investments.

Keep 60-70% in equity for long-term growth initially.

Allocate 30-40% to debt instruments for stability.

Review and adjust annually based on market conditions.

This approach reduces risks while maintaining growth.

Managing Fixed Deposits Wisely
Rs. 5 lakhs in FDs provides liquidity but low returns.

Consider shifting some to debt mutual funds for better returns.

Keep a portion as an emergency fund for quick access.

Avoid over-reliance on FDs, as they lose value against inflation.

Optimizing FDs enhances overall portfolio returns.

Planning for Healthcare Costs
Medical expenses rise sharply with age.

Ensure you have comprehensive health insurance coverage.

Consider a top-up health policy for additional protection.

Build a dedicated health emergency fund.

Healthcare planning is critical, especially without employer coverage post-retirement.

Emergency Fund for Unexpected Expenses
Maintain an emergency fund covering 12-18 months of expenses.

Keep it in liquid mutual funds or high-interest savings accounts.

This prevents the need to withdraw from long-term investments during crises.

Financial security comes from being prepared for the unexpected.

Tax Planning for Retirement
Post-retirement income will still be taxable.

SWP from mutual funds is tax-efficient compared to interest income.

Long-term capital gains on equity have favorable tax treatment.

Use senior citizen tax benefits once eligible.

Effective tax planning increases your net income.

Identifying the Earliest Retirement Age
Your corpus is close to Rs. 1 crore.

To retire now, this corpus must sustain for 35+ years.

Consider working for a few more years to boost savings.

Alternatively, reduce lifestyle expenses for early retirement.

The earliest retirement age depends on your income needs and risk tolerance.

Strategies to Boost Your Retirement Corpus
Increase investments in growth-oriented mutual funds.

Maximize contributions to PPF and NPS for tax-free growth.

Reinvest returns from FDs into higher-yielding instruments.

Delay retirement by 2-3 years to strengthen your corpus.

Small changes today can make a big difference later.

Importance of Regular Portfolio Reviews
Review your financial plan annually.

Adjust for changes in expenses, income, or market conditions.

Rebalance your portfolio to maintain the right asset mix.

Financial planning is a continuous process, not a one-time task.

Staying Disciplined with Your Investments
Avoid panic-selling during market fluctuations.

Stick to your long-term goals and investment strategy.

Don’t make emotional decisions based on short-term trends.

Discipline is the key to successful retirement planning.

Planning for Legacy and Estate
Create a will to specify how your assets will be distributed.

Appoint nominees for all your financial accounts.

Consider setting up a trust if needed for complex situations.

Estate planning ensures your wealth is managed as per your wishes.

Reducing Expenses for Early Retirement
Identify non-essential expenses that can be reduced.

Focus on experiences rather than material possessions.

Optimize utility bills, subscriptions, and lifestyle costs.

Lower expenses mean less stress on your retirement corpus.

Diversification: Spreading Risk for Safety
Don’t put all your money in one type of investment.

Spread across equity, debt, and fixed-income instruments.

Diversification reduces risk and improves returns.

A well-diversified portfolio offers stability in all market conditions.

Managing Lifestyle Inflation
Lifestyle inflation increases expenses as income grows.

Post-retirement, control lifestyle costs to preserve wealth.

Focus on meaningful activities that don’t require high spending.

Smart lifestyle choices help stretch your retirement corpus.

Building Passive Income Streams
Explore passive income sources like dividends from mutual funds.

Rental income (if applicable) can supplement retirement income.

Passive income reduces dependence on your retirement corpus.

Multiple income streams provide financial security.

Finally
You’ve built a strong financial foundation with Rs. 98 lakhs in savings.

However, retiring immediately may strain your corpus over 35+ years.

Consider working for a few more years to boost savings.

Alternatively, reduce expenses to make early retirement feasible.

Stay invested, review regularly, and focus on long-term goals.

This approach will secure a comfortable and stress-free retirement.

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x