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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 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
Asked by Anonymous - Jul 08, 2024Hindi
Money

Hi, I am 42 and father of 2 daughters. My total MF investment amount is approx. 21 lakhs. My monthly saving after deducting all EMI and expense is approx. Rs. 60-70k. I already own 1 flat and 1 commercial property. I would like to buy new home aprox 60lakhs but at the same time I want to create good amount in my MF portfolio till my age 55. I am not sure how can I balance all these things.

Ans: You have done an excellent job with your investments so far. Balancing savings, investments, and the purchase of a new home can be challenging. Here’s a detailed plan to help you achieve your goals.

Current Financial Situation
Age: 42 years
Father of Two Daughters
Mutual Fund Investments: Rs. 21 lakhs
Monthly Savings: Rs. 60,000 - 70,000
Properties Owned: One flat and one commercial property
Goal: Buy a new home worth Rs. 60 lakhs and grow your mutual fund portfolio by age 55
Buying a New Home
Evaluate Financial Readiness:

First, assess if you are financially ready to buy a new home worth Rs. 60 lakhs. Ensure that taking on a new home loan won’t strain your finances. A new home loan means added EMI obligations.

Down Payment:

For a Rs. 60 lakhs home, you will need a down payment of 20%, which is Rs. 12 lakhs. You can use your current savings or mutual fund investments for this.

Loan Amount and EMI:

The remaining Rs. 48 lakhs can be financed through a home loan. Assuming a loan tenure of 15 years, your EMI will depend on the interest rate. Ensure that the EMI fits within your budget.

Balancing EMIs with Savings:

Your monthly savings are Rs. 60,000-70,000. Ensure that your new EMI doesn’t take up more than 40% of your monthly income. This will help maintain a balance between loan repayment and other financial goals.

Enhancing Your Mutual Fund Portfolio
Continue SIPs:

You have Rs. 21 lakhs in mutual funds. Continue your SIPs to grow this amount. If you are not investing in SIPs, start doing so with a portion of your monthly savings.

Diversify Portfolio:

Ensure your mutual fund portfolio is diversified across different categories:

Equity Funds: High growth potential but high risk. Good for long-term goals.
Debt Funds: Lower risk, provide stability. Useful for medium-term goals.
Hybrid Funds: Mix of equity and debt. Moderate risk and returns.
Regular Review:

Review your mutual fund portfolio regularly. Consult a Certified Financial Planner to make sure your investments align with your goals.

Benefits of Mutual Funds:

Compounding: Mutual funds benefit from compounding over time, leading to exponential growth.
Professional Management: Managed by experts who make informed investment decisions.
Diversification: Spread across various assets to reduce risk.
Managing Your Properties
Rental Income:

You own a flat and a commercial property. If these properties are generating rental income, use this income to support your EMI payments for the new home or increase your SIP investments.

Asset Management:

Ensure that your properties are well-maintained to retain their value and generate consistent rental income.

Balancing All Financial Goals
Emergency Fund:

Maintain an emergency fund to cover 6-12 months of expenses. This will ensure you are prepared for unforeseen circumstances.

Insurance:

Ensure you have adequate life and health insurance coverage. This will protect your family and your investments in case of any emergencies.

Children’s Education:

Start a dedicated fund for your daughters’ education. Consider child-specific insurance plans or a dedicated SIP in equity mutual funds.

Retirement Planning:

Your goal is to grow your mutual fund portfolio by age 55. Continue to invest in mutual funds and consider contributing to other retirement savings plans like NPS.

Practical Steps to Balance Home Purchase and Investments
Step 1: Assess Financial Health

Evaluate your current financial situation. Calculate your net worth by considering all assets and liabilities. Ensure that you have enough liquidity to handle the down payment and any additional expenses related to the new home.

Step 2: Plan Your Down Payment

If you need to use part of your mutual fund investments for the down payment, plan it carefully. Avoid liquidating investments that have the potential for high returns. Consider using your flat or commercial property as collateral if required.

Step 3: Optimize EMI and Savings

Calculate the EMI for the new home loan. Ensure that the EMI does not exceed 40% of your monthly income. Continue your mutual fund SIPs and other investments with the remaining savings.

Step 4: Diversify Investments

Make sure your mutual fund portfolio is diversified. This reduces risk and maximizes returns. Equity funds are good for long-term growth, while debt and hybrid funds provide stability.

Step 5: Regular Review

Regularly review your financial plan and portfolio. Consult with a Certified Financial Planner to ensure you are on track to meet your goals.

Final Insights
Balancing savings, investments, and the purchase of a new home is challenging but achievable. Your disciplined approach to saving and investing is commendable. With careful planning and regular review, you can meet your financial goals.

Continue your mutual fund SIPs, diversify your portfolio, and manage your EMIs efficiently. Maintain an emergency fund and ensure adequate insurance coverage. Plan for your daughters’ education and your retirement. With these steps, you can buy your new home and grow your mutual fund portfolio by age 55.

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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I am 50 working professional. Below is my MF portfolio . 1. Parag Parikh Flexi Cap Fund 2.6 lakhs + 10K SIP 2. PGIM India Midcap Opportunities Fund 1.85 L Value + 5K SIP 3. Quant ELSS Tax Saver Fund 80K 4. Axis Small Cap Fund 1.85 Lakhs Value + 5K SIP 5. Axis Gold Fund 75K Value + 5K SIP 6. Canara Robeco Bluechip Equity Fund 70K 7. Quant Multi Asset Fund 50K 8. SBI Magnum Income Fund 50K 9. ICICI Prudential Equity & Debt Fund 50K 10. Quant Active Fund 50K 11. ICICI Prudential Bluechip Fund 25K I want to build a retirement corpus of 2 crore in 10 years. I am planning to invest around 50K every month. Plus i have. surplus of 4Lakks which i want to invest in few of the MFs above. Planning to exit Canara Robeco bluechip and Axis Small cap soon. Please suggest if any changes you want me to do.
Ans: Given your goal of building a retirement corpus of 2 crores in 10 years and your current portfolio, here are some suggestions:

Increase SIP Contributions: Consider increasing your SIP amounts in high-performing funds like Parag Parikh Flexi Cap and PGIM India Midcap Opportunities Fund, which have shown good potential for long-term growth.

Review and Consolidate: Evaluate the performance of all your funds and consider consolidating your portfolio to fewer, well-performing funds to simplify management and potentially enhance returns.

Focus on Quality: Prioritize funds with strong track records, consistent performance, and experienced fund management teams. Consider adding large-cap and diversified equity funds for stability and balanced growth.

Asset Allocation: Ensure a balanced asset allocation across equity, debt, and gold funds based on your risk tolerance and investment horizon. Reallocate surplus funds strategically to maintain a diversified portfolio.

Regular Review: Monitor your portfolio regularly and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.

Consider consulting with a financial advisor for personalized advice tailored to your specific circumstances and goals.

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

Asked by Anonymous - Apr 17, 2024Hindi
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Hi Sir, I am 43 years old and have started MFs last year only. My portfolio is HDFC Top 100 - 2000 per month , HDFC Mid Cap Opportunities Fund - 2000 per month , ICICI Prudential Value Discovery Fund - 2000 per month , Kotak Small Cap Fund - 2000 per month , Nippon India Small Cap Fund - 2000 per month , Nippon India Gold Savings Fund - 5000 per month , SBI Small Cap Fund - G - 2000 per month , SBI Contra Fund - 2000 per month , UTI Nifty 50 Index Fund - 3000 per month, ICICI Prudential Bluechip Fund - Growth - 3000 per month & Nippon India Large Cap Fund (G) - 2000 Per month. Total of Rs 27000 per month. Also, i also do lumpsum investments in the same mutual funds above which averages around 40k per month. Thats a total of apprx 67k per month. My long term horizon is 15 plus years. My question is, is the MF portfolio balanced enough? Also with the said investment, will i be able to accumulate 5 crore in 15 years ? Also, i have around 20 lacs in FD. Should i transfer around 10lacs from that FD to MFs to get better returns and keep the other 10 lacs FD as contingency fund? Please guide?
Ans: Your MF portfolio is diversified across large-cap, mid-cap, small-cap, gold, and index funds, which is good. However, it leans heavily towards small and mid-cap funds, which are riskier. Consider rebalancing to include more large-cap or balanced funds to reduce risk. To aim for 5 crores in 15 years, you'd need an annualized return of approximately 12-15%, which is ambitious but not impossible given market history. A Certified Financial Planner can help optimize your portfolio for this goal.

Transferring 10 lacs from FD to MFs could potentially yield higher returns over the long term, but ensure you maintain an emergency fund. Keeping 10 lacs in FD for emergencies is prudent. Consult a Certified Financial Planner for personalized advice tailored to your needs and goals.

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Ramalingam Kalirajan  |9758 Answers  |Ask -

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

Asked by Anonymous - Jun 28, 2024Hindi
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Dear Sir, I am 55 years old working in private company. I am investing in following MF monthly, Nippon Small Cap - 10000, Axis Small cap - 10000, HSBC Mid Cap - 10000, ICICI Equity & Debt - 15000, Franklin India Prima fund - 15000, HDFC Balanaced Advantage - 20000. My current MF value is Rs. 1.34 Crores. Apart from this i have invested in Stocks - 36 Lac, PF - 45 Lac, NPS - 22 Lac, FD - 35 Lac. I have taken Health Insurance. I require around 40 Lac for my daughter marriage. 1. I want to know whether my MF portfolio is good to continue or any changes to be made for better return. 2. I will be retiring in 3 years. How i need manage my funds / invest further to achieve 5 Crores retirement fund.
Ans: You've done a commendable job with your investments. Balancing between mutual funds, stocks, PF, NPS, and FDs is impressive. Your dedication to securing your daughter's marriage fund and planning for retirement shows foresight and responsibility. Let's analyze and optimize your portfolio for the best possible returns.

Current Mutual Fund Portfolio

Your current mutual fund investments are diversified across various categories. This includes small cap, mid cap, equity & debt, and balanced advantage funds. Each type serves a unique purpose, balancing risk and return.

Small Cap Funds

Small cap funds have high growth potential but come with significant risk. Your investments in Nippon Small Cap and Axis Small Cap Funds are great for high returns over the long term. Given your proximity to retirement, it might be wise to reduce exposure to mitigate risk.

Mid Cap Funds

Mid cap funds like HSBC Mid Cap offer a balance between risk and return. They can provide substantial growth but are less volatile than small cap funds. Keeping a portion in mid cap is sensible, but consider reducing the allocation as you near retirement.

Equity & Debt Funds

ICICI Equity & Debt Fund provides a balanced approach, combining equity growth and debt stability. This fund type aligns well with your nearing retirement, offering moderate risk and steady returns.

Balanced Advantage Funds

HDFC Balanced Advantage Fund adjusts its allocation between equity and debt based on market conditions. This adaptability is beneficial for reducing risk while aiming for reasonable growth, making it suitable for pre-retirement phase.

Evaluation of the Portfolio

Diversification and Risk Management

Your portfolio is well-diversified across different fund types. However, considering your retirement in 3 years, a higher allocation towards stable, low-risk investments would be prudent. Shifting from high-risk small and mid cap funds to more stable options can protect your corpus.

Performance and Returns

Active funds have the potential to outperform the market. Your selection of actively managed funds is excellent. Regular monitoring and occasional rebalancing can enhance performance. Consult your Certified Financial Planner (CFP) for personalized advice.

Strategies for Future Investments
Risk Reduction

As retirement approaches, prioritize capital preservation. Gradually move funds from high-risk to low-risk investments. Consider increasing allocation in debt funds and balanced advantage funds. These provide stability and consistent returns.

Systematic Withdrawal Plan (SWP)

Implementing an SWP post-retirement ensures a steady income while keeping your investments growing. Plan withdrawals from your corpus strategically to balance between immediate needs and long-term growth.

Power of Compounding

Continue leveraging the power of compounding. Even conservative investments can grow significantly over time. Start transitioning funds early to maximize compound interest benefits while minimizing risks.

Managing Your Other Investments
Stocks

Your Rs 36 lakh in stocks should be evaluated for risk and return. Diversify across stable, high-dividend stocks to generate regular income. Consider reducing exposure to volatile stocks.

Provident Fund (PF)

Your PF of Rs 45 lakh is a substantial and safe retirement corpus. Continue contributions and leverage tax benefits. This fund provides a secure foundation for your retirement.

National Pension System (NPS)

With Rs 22 lakh in NPS, you have a tax-efficient retirement tool. Continue maximizing contributions. NPS offers a mix of equity and debt, providing growth with stability. Consider shifting allocation towards safer options as you near retirement.

Fixed Deposits (FD)

Your Rs 35 lakh in FDs ensures liquidity and safety. Continue using FDs for emergency funds and short-term needs. They offer guaranteed returns, aligning well with your low-risk strategy.

Planning for Your Daughter's Marriage
Marriage Fund Allocation

You need Rs 40 lakh for your daughter’s marriage. Keep this fund in low-risk, highly liquid investments. Short-term debt funds, FDs, or high-interest savings accounts are ideal. Avoid equity exposure for this goal due to market volatility.

Systematic Investment Plan (SIP)

If you haven't already, consider SIPs for a targeted marriage fund. SIPs in debt funds or balanced funds can help accumulate the required amount steadily. Regular contributions will build a substantial corpus by the time needed.

Achieving Your Rs 5 Crore Retirement Goal
Rebalancing Your Portfolio

Shift focus from high-risk to low-risk investments. Increase allocation in debt funds, balanced advantage funds, and other stable options. This transition should start now to align with your retirement timeline.

Increasing Contributions

Maximize your contributions to PF and NPS. Both offer tax benefits and long-term growth. Utilize any available tax-saving schemes to boost your retirement corpus.

Professional Guidance

Regularly consult your CFP. Their expertise will help you navigate market changes, optimize your portfolio, and ensure you stay on track towards your Rs 5 crore goal.

Regular Review

Conduct annual reviews of your portfolio. Adjust based on performance, market conditions, and your changing needs. Stay informed about economic trends and investment opportunities.

Final Insights
You've built a robust and diversified portfolio. Transitioning from high-risk to low-risk investments as you near retirement is crucial. Protecting your capital while ensuring steady growth will help achieve your Rs 5 crore retirement fund.

Stay disciplined with your investment strategy. Regularly consult your CFP for personalized advice. With careful planning and smart adjustments, you can secure a comfortable and financially stable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 29, 2025

Asked by Anonymous - Jan 29, 2025Hindi
Money
I am 35 year old and currently earning 1.25 lakhs/month and am currently invested in the following MFs. 1 DSP Tax Saving Fund (4k monthly) 2 Kotak Flexicap Fund (4k monthly) 3 HDFC Smallcap (1.5k monthly) 4 ICICI Prudential Bluechip (1.5k monthly) 5 ICICI Technology (2k monthly) 6 HDFC Largecap (1.5k monthly) The above MF portfolio is around 12 lakhs apart from that stock portfolio of 5 lakhs (both market value), and I do step up SIP in all of the above. I also invest around 80k in LIC and another 20k in debt funds. I have secured the term plan and mediclaim for my family member. I currently have 30 lakhs for 20 years (15 years remaining emi of 30k). I have 2 other homes for rental income, which gives me 30k monthly. I intend to retire in 10 years. I have a 8 yo son whose schooling and college expenses need to be factored in. My monthly expenses is around 70k including EMIs. How should I take it forward so that I can achieve the financial freedom that I want and wealth I need to accumulate for financial freedom.
Ans: Evaluating Your Current Financial Situation
You are earning Rs. 1.25 lakhs per month, which is commendable.
Your SIPs total Rs. 14.5k monthly in a mix of funds across categories.
You also invest Rs. 80k annually in LIC and Rs. 20k in debt funds.
Your equity portfolio has Rs. 12 lakhs in mutual funds and Rs. 5 lakhs in stocks.
You have rental income of Rs. 30k from two properties, which is a good passive income source.
Your EMI for a home loan is Rs. 30k, with Rs. 30 lakhs of principal remaining over 15 years.
Monthly expenses are Rs. 70k, which include EMIs, leaving room for investments.
You have a secured term insurance and mediclaim policy for your family, which ensures risk coverage.
Overall, your financial foundation is strong, but refinements can help you achieve financial freedom in 10 years.

Assessing Retirement Goal
You plan to retire in 10 years, so your investments must support 40+ years of post-retirement life.
Your current expenses of Rs. 70k may grow due to inflation.
Factor in your son’s education costs, which will occur in 10-15 years.
You’ll need a corpus to sustain post-retirement expenses, family needs, and other goals.
Let us structure your plan step by step.

Enhancing Your Investment Strategy
1. Optimising Your SIPs

Your SIP allocation is diversified but can be fine-tuned.
Prioritise funds with a consistent track record and align them with your goals.
Consider increasing your SIP contribution every year to build wealth faster.
Large-cap and flexi-cap funds offer stability; maintain these in your portfolio.
Small-cap and sectoral funds are aggressive; limit allocation to 10-15% of your SIPs.
2. Step-Up SIPs Effectively

Stepping up SIPs annually by at least 10-15% will leverage your increasing income.
This approach aligns with your rising earning potential and accelerates corpus growth.
3. Allocating Debt Investments

Your Rs. 20k annual debt fund allocation is low for stability.
Increase debt allocation to balance portfolio risk, especially as you near retirement.
Avoid locking funds in low-return debt options like LIC policies.
4. Equity Portfolio Management

Your stock portfolio of Rs. 5 lakhs can complement your mutual funds.
Diversify across sectors and consider holding fundamentally strong companies.
Avoid over-concentration in volatile stocks or speculative sectors.
5. Balancing Real Estate and Debt

Rental income of Rs. 30k monthly is an asset.
Use surplus rental income to prepay your home loan.
This will reduce interest outgo and free up cash flow for investments.
Addressing Your Son’s Education Costs
1. Estimating Education Expenses

Schooling and college costs are significant long-term goals.
Education inflation is high; consider Rs. 50-75 lakhs for higher education in 10-15 years.
2. Setting Up a Dedicated Goal-Based Fund

Create a dedicated mutual fund portfolio for your son’s education.
Invest in hybrid or balanced funds for stability and moderate returns.
Channel bonuses or surplus income to this fund to meet the goal faster.
Optimising Insurance Coverage
1. Reviewing LIC Policies

Your Rs. 80k annual LIC premium may not yield high returns.
Check if these policies are investment-cum-insurance plans.
If returns are low, consider surrendering and reinvesting in mutual funds.
2. Term Plan and Mediclaim

Your term insurance and health insurance provide essential coverage.
Ensure your sum assured is at least 10-15 times your annual income.
Verify that your mediclaim covers your son and spouse adequately.
Building Your Retirement Corpus
1. Target Corpus for Retirement

A retirement corpus of Rs. 5-6 crores will sustain expenses for 30-40 years.
This corpus must account for inflation and healthcare costs.
2. Allocating Towards Retirement

Continue SIPs in diversified funds with higher allocation to equity for growth.
Begin investing in hybrid or balanced funds as you approach retirement.
Consider a separate portfolio for retirement expenses to track progress.
Enhancing Debt Management
1. Prepaying Your Home Loan

Focus on prepaying your Rs. 30 lakh home loan to save on interest.
Use rental income and bonuses for lump-sum prepayments.
Once the EMI burden reduces, increase SIP contributions.
2. Avoiding Additional Loans

Refrain from taking new loans, as they can strain cash flow.
Maintain an emergency fund of 6-12 months’ expenses for contingencies.
Adjusting For Inflation and Future Expenses
Inflation will increase your monthly expenses over time.
Review and adjust your investment contributions annually to keep pace.
Maintain a diversified portfolio to reduce risks during volatile markets.
Financial Freedom Blueprint
1. Passive Income Post-Retirement

Rental income of Rs. 30k monthly can support post-retirement expenses.
Build mutual fund and stock portfolios that generate dividends or SWP.
2. Regular Portfolio Review

Evaluate your investments every 6-12 months with a Certified Financial Planner.
Adjust asset allocation based on market performance and life goals.
3. Simplifying Investments

Consolidate mutual funds to avoid over-diversification.
Limit sectoral or thematic funds as they are riskier.
4. Tax-Efficient Planning

Invest in ELSS funds for tax benefits while growing wealth.
Use long-term capital gains tax advantages in equity investments.
Final Insights
Your disciplined investments and diversified portfolio are great foundations.
Fine-tuning your strategies will ensure faster wealth accumulation.
Focus on balancing equity and debt for long-term stability and growth.
Prepaying loans and stepping up SIPs will reduce liabilities and boost savings.
A goal-focused approach will ensure financial freedom and meet family needs.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Asked by Anonymous - Jul 03, 2025Hindi
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We both joined in our job together. He was so caring. I developed feeling fr him. But now he is going to join new job. I told him i will miss him a lot. But he was so casual and says whenever u want to talk, you can call me. But i feel very bad when i think he will leave soon. Help me to handle this situation.
Ans: When he responded casually, saying you can call him anytime, it may have felt like he was emotionally distant or didn’t feel the same intensity. That can be hurtful, especially when you were hoping for some deeper acknowledgment of your bond. But people express emotions differently. His casualness doesn’t necessarily mean he didn’t value your presence — it might just be his way of avoiding emotional vulnerability or not knowing how to respond to closeness.

Now, the focus shifts to you — your healing, your emotions, and your ability to hold on to what was meaningful while also protecting your own peace. Start by accepting that it's okay to feel sad, even tearful. Allow yourself to miss him, but don’t let that feeling convince you that you’re incomplete without him around. You’re not losing everything — you’re transitioning from closeness to distance, which may or may not evolve into a deeper connection, depending on both of you.

Use this phase as a mirror — reflect on what you truly want: was this just emotional comfort in a shared space, or did you genuinely want a future with him? If it’s the latter, and he didn’t show similar feelings, it’s okay to grieve that quietly while slowly detaching.

Let this moment teach you not about loss, but about how deeply you can feel, and how resilient you are in giving space to someone while still holding space for yourself. Nurture your friendships, invest in small routines that uplift you, and remind yourself that care and affection will come again — sometimes from unexpected people and places.

If you feel you need closure or more clarity from him, it’s okay to have one final honest conversation. Just remember, your peace matters more than anyone’s presence.

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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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