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Ramalingam

Ramalingam Kalirajan  |6336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 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 - Jun 30, 2024Hindi
Money

I am 42 and have one son with my wife. Holding salary of 60000/- monthly in hand. Have investments in two ELSS scheme one is ?500 every month and other ?8000 lumpsum for 3 years. Regularly invest in NPS ?1000 monthly. Holding SGB Bonds value ?38000/-.I want to invest ? 5000 monthly in SIP for long tenure of 17 years. Pls suggest

Ans: You are 42, have a son, and a monthly salary of Rs. 60,000. You already invest in ELSS schemes, NPS, and SGB Bonds, and now you want to invest Rs. 5000 monthly in SIP for 17 years. Here’s a comprehensive plan to guide you towards your financial goals.

Understanding Your Financial Situation

Let’s break down your current financial status and future investment plans:

Monthly Salary: Rs. 60,000
ELSS Investments: Rs. 500 monthly and Rs. 8000 lumpsum for 3 years
NPS Investment: Rs. 1000 monthly
SGB Bonds: Rs. 38,000 value
New SIP Investment: Rs. 5000 monthly for 17 years
Step 1: Assessing Your Financial Health

First, evaluate your monthly expenses and savings.

Monthly Income: Rs. 60,000
Essential Expenses: Calculate monthly living costs including household expenses, child’s education, and other necessary expenditures.
Current Savings and Investments: Summarize your existing investments in ELSS, NPS, and SGB Bonds.
Step 2: Building an Emergency Fund

Before investing, ensure you have an emergency fund covering 6-12 months of expenses.

Emergency Fund: Save Rs. 3-6 lakhs in a liquid fund for emergencies.
Step 3: Managing Existing Investments

Review your existing investments to ensure they align with your financial goals.

ELSS Schemes: Continue with your current ELSS investments for tax-saving benefits.
NPS: Your Rs. 1000 monthly contribution in NPS is good for retirement planning.
SGB Bonds: Hold onto your SGB Bonds for gold investment benefits and interest income.
Step 4: Investing in SIP for Long-Term Growth

Systematic Investment Plans (SIPs) in mutual funds are ideal for long-term wealth creation. They offer the power of compounding and professional management.

Advantages of SIPs in Mutual Funds

Disciplined Investing: Regular investments instill discipline.
Rupee Cost Averaging: Invests in different market conditions, reducing risk.
Compounding: Reinvested returns generate more returns over time.
Diversification: Invests in a variety of assets, reducing risk.
Choosing the Right Mutual Funds

Select a mix of equity and debt funds to balance risk and returns.

Equity Funds: High returns but higher risk. Suitable for long-term goals like retirement and child’s education.
Debt Funds: Lower risk and returns. Good for stability and short-term goals.
Hybrid Funds: Mix of equity and debt. Moderate risk and returns.
Creating a Diversified SIP Portfolio

Equity Funds: Invest 60-70% in diversified equity funds. Focus on large-cap and multi-cap funds for stability and growth.
Debt Funds: Invest 20-30% in debt funds for stability. Consider corporate bond funds or gilt funds.
Hybrid Funds: Invest 10-20% in hybrid funds for balanced risk and returns.
Step 5: Setting Up Your SIP

Start a SIP of Rs. 5000 monthly in a diversified portfolio of mutual funds.

Monthly SIP Amount: Rs. 5000
Step 6: Regularly Review Your Investments

Monitor your investments to ensure they are on track.

Annual Review: Assess your portfolio’s performance annually.
Rebalancing: Adjust the allocation if needed to maintain the desired risk level.
Step 7: Tax Planning

Optimize your investments for tax efficiency.

ELSS Funds: Continue with ELSS for tax benefits under Section 80C.
Other Tax-Saving Instruments: Consider PPF, EPF, and NPS for additional tax benefits.
Step 8: Planning for Child’s Education

Ensure you have a plan for your child’s higher education. Set aside a separate fund for this purpose.

Children’s Education Fund: Invest in child-specific mutual funds or a combination of equity and debt funds based on the time horizon.
Step 9: Retirement Planning

Your retirement plan should be robust to ensure you maintain your lifestyle post-retirement.

Retirement Corpus Goal: Rs. 1 crore
Investment Strategy: Continue investing in a mix of equity and debt funds.
Retirement Accounts: Contribute to EPF, PPF, and NPS for additional retirement savings.
Step 10: Insurance

Ensure you have adequate insurance coverage to protect your family.

Life Insurance: Adequate term insurance to cover liabilities and provide for your family.
Health Insurance: Comprehensive health insurance to cover medical expenses.
Final Insights

Creating a robust financial plan is essential for long-term financial stability and achieving your goals. Here’s a summary of your action plan:

Action Plan Summary

Assess Expenses: Calculate monthly expenses and savings.
Emergency Fund: Set aside Rs. 3-6 lakhs.
Manage Existing Investments: Continue with ELSS, NPS, and SGB Bonds.
SIP Investments: Start a monthly SIP of Rs. 5000 in diversified mutual funds.
Review Investments: Regularly review and rebalance the portfolio.
Tax Planning: Optimize investments for tax efficiency.
Education Planning: Create a separate fund for your child’s education.
Retirement Planning: Continue building your retirement corpus.
Insurance: Ensure adequate life and health insurance coverage.
By following this comprehensive plan, you can achieve your long-term financial goals and ensure a secure future for yourself and 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  |6336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Hi Sir/Ma'am, I am 25 yrs old and my take home monthly is approx 1.2 lacs working in IT. Currently I am investing in PPF since 2020. Used to invest around Rs. 1000/- pm but slowly increased my investment to 12,500 from last month onwards and looking to continue the same. Since beginning of this year, I have started to invest in mutual funds with a monthly SIP of 15,000. I invest in a mix of small, mid and large cap funds. Does it makes sense to consider investing in ELSS tax saver funds? Do they generally give good returns as compared to SML cap funds? I am looking to step up my SIP by 10% every year. My goal is to attain financial freedom in the next ten years with more 1cr. as a corpus. I also have a LIC jeevan anand policy and I invest around 1,250/- every month which will mature in next 10 years. In order to achieve my financial goal fast, should I increase my monthly SIP to maybe 30k by decreasing the amount invested in other schemes? I know that SIPs generally comes with a better return but with a high risk. Is there any other scheme that I should opt for which gives higher return? Please suggest how to go about it based on my current income and living expenses. I also have some liabilities after investments such as: Personal loan: 45k Consumer loans: around 10k House expenses: 20k My current investment portfolio so far: SIP: 40K (Recently started as mentioned) PPF: 2.2 lacs EPF: 1.8 lacs LIC: 1 lac Thank you!
Ans: Firstly, I commend you for taking proactive steps towards building your financial future at such a young age. Your commitment to increasing your investments over time is commendable and will serve you well in achieving your financial goals.

Regarding your query about ELSS tax saver funds, they can indeed be a valuable addition to your investment portfolio. ELSS funds not only offer tax benefits under Section 80C of the Income Tax Act but also have the potential to generate higher returns over the long term compared to traditional investment avenues like PPF.

As for comparing ELSS funds with small-cap funds, it's essential to understand that they belong to different categories with varying risk profiles. Small-cap funds typically carry higher risk but also have the potential for higher returns, while ELSS funds invest primarily in equity markets and have the added advantage of tax benefits. Both can play a role in diversifying your investment portfolio and achieving your financial goals.

Considering your goal of attaining financial freedom in the next ten years with a corpus of over 1 crore, it's essential to review your investment strategy periodically and make adjustments as needed. Increasing your monthly SIP to 30k and potentially reallocating some funds from other schemes could be a prudent move, given your high income and relatively low living expenses.

Regarding your existing LIC Jeevan Anand policy, surrendering it and reinvesting the proceeds in mutual funds could potentially yield higher returns, especially considering your long investment horizon and risk tolerance. However, it's essential to evaluate the surrender value, any applicable penalties, and the potential tax implications before making a decision.

In summary, continue with your disciplined approach to investing, consider adding ELSS funds to your portfolio, and review your investments periodically to ensure they align with your financial goals and risk tolerance.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6336 Answers  |Ask -

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

Asked by Anonymous - May 07, 2024Hindi
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I am 34 years old living with my Parents, my wife and 3 yr old Son, I have invested around 75L through various FDs and Post office schemes, currently having a house loan of 45L for which I am paying EMI 35000 and extra amount each month around 25000 for past two years, planning to start to invest in SIP by this year to plan my retirement when I reach 50 years of age Could anyone please guide me for this. Currently having monthly salary 70,000 in hand.
Ans: Crafting a Financial Plan for Retirement and Wealth Accumulation
Assessing Your Current Financial Situation
At 34, you've demonstrated prudent financial habits by investing in FDs and Post Office schemes, along with diligently repaying your housing loan through regular EMIs and additional payments. With a stable monthly salary of 70,000 and a family to support, it's wise to plan for your long-term financial security.

Prioritizing Retirement Planning
Starting SIPs for retirement planning is a commendable step towards securing your financial future. Aim to allocate a portion of your monthly income towards equity-oriented mutual funds through SIPs to harness the power of compounding over the long term.

Determining Retirement Corpus
Calculate your desired retirement corpus based on your lifestyle expenses, inflation, and retirement age target of 50. Consider consulting with a Certified Financial Planner (CFP) to determine the appropriate corpus required to maintain your desired standard of living post-retirement.

Choosing Suitable Mutual Funds
Select a mix of equity mutual funds that align with your risk tolerance, investment horizon, and financial goals. Diversify your portfolio across large-cap, mid-cap, and multi-cap funds to balance risk and potential returns. Monitor fund performance regularly and make adjustments as needed.

Optimizing Debt Repayment
Continue making additional payments towards your housing loan to accelerate debt reduction and save on interest costs. Consider evaluating refinancing options or negotiating with your lender to lower your interest rate and shorten the loan tenure, if feasible.

Emergency Fund and Contingency Planning
Ensure you have an adequate emergency fund equivalent to 6-12 months' worth of living expenses to cover unforeseen circumstances or financial emergencies. Review your insurance coverage, including health, life, and property insurance, to protect your family's financial well-being.

Seeking Professional Advice
Consult with a Certified Financial Planner (CFP) to develop a comprehensive financial plan tailored to your specific needs and goals. A CFP can provide personalized advice, recommend suitable investment strategies, and help you navigate complex financial decisions.

Conclusion
By prioritizing retirement planning, optimizing debt repayment, and building a robust financial safety net, you can achieve your long-term financial goals and secure a comfortable retirement for yourself and your family. Stay disciplined in your savings and investment approach, and seek professional guidance to maximize your wealth accumulation potential.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6336 Answers  |Ask -

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

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Hi I am 43, having salary of Rs. 55k per month. Want to invest in SIP of Rs. 5k for 17 years. Pls suggest for long term.
Ans: You are 43 years old and want to invest Rs. 5k per month in a SIP for 17 years. This is a wise decision for building a substantial corpus over time.

Benefits of SIP
Disciplined Investing: SIP encourages regular savings.
Rupee Cost Averaging: Invests a fixed amount regularly, reducing the impact of market volatility.
Compounding Benefits: Long-term SIPs benefit from the power of compounding.
Recommended Investment Strategy
1. Actively Managed Mutual Funds
Professional Management: Managed by experts to optimize returns.
Flexibility: Adapt to market conditions and select best-performing stocks.
Diversification: Invest in a variety of sectors to spread risk.
2. Portfolio Diversification
Equity Funds: For higher returns, suitable for long-term goals.
Debt Funds: Lower risk, providing stability and consistent returns.
Balanced Funds: Combine equity and debt for moderate risk and return.
3. Regular Monitoring
Annual Review: Monitor your investments and make necessary adjustments.
Market Trends: Stay informed about market conditions to tweak your portfolio.
4. Professional Guidance
Certified Financial Planner: Seek advice from a certified financial planner for a tailored investment plan.
Goal Setting: Align investments with your financial goals for better results.
Analytical Insights
Long-Term Growth
Compounding: The longer the investment, the greater the compounding effect.
Market Performance: Equity markets tend to outperform other assets over the long term.
Risk Management
Diversification: Spreading investments across different funds reduces risk.
Active Management: Professional managers can adapt to market changes, reducing potential losses.
Key Considerations
Investment Horizon: 17 years is a good period for long-term investments.
Risk Appetite: Determine your risk tolerance before choosing funds.
Financial Goals: Clearly define your financial objectives and align your investments accordingly.
Final Insights
Investing Rs. 5k per month in a SIP for 17 years is a wise decision. Opt for actively managed mutual funds for better returns and professional management. Diversify your portfolio with a mix of equity, debt, and balanced funds. Regularly monitor your investments and seek professional guidance to align with your financial goals. This disciplined approach will help you build a substantial corpus over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |6336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

Asked by Anonymous - Sep 18, 2024Hindi
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Sir my son in 2009 invested in Mutual fund rs.5000/- and again rs.5000/- another in 2011 total rs.10,000/- with Reliance mutuval funds later this company changed in the name of Nippon India private limite. My son at the of investments he had Old PAN no. Later on job purpose gone abroad and settled. He came in 2019 and submitted redeem his units say 2250 units currenly valued rs. 50,000 above . His application was rejected at first Old PAN Card not surrendered so he surrendered same with original attached with NRE status PAN and submitted agiain who they says You have to link his Aadhar card. He is not in a position to obtain this because he may get citizenship. I referred to SEBI and RBI to intervene but no response from them Please guide me how to redeem and get my son’s investments which I require for my ailing age of 78. Thanks in advance If you require his PAN no surrendered and obtained new NRE status PAN no.
Ans: Since your son cannot link his Aadhaar due to his NRI status, the best approach would be to reach out directly to Nippon India Mutual Fund and explain the situation. You can request the redemption process based on his NRI PAN and KYC status without Aadhaar linking.

Here's what you can do:

Contact Nippon India: Explain that your son is an NRI and cannot obtain an Aadhaar card. Request guidance for an NRI-specific redemption process.

Submit an NRI KYC Update: Ensure that your son's new PAN and NRI status are updated in the KYC records with the fund house. This can be done via the KYC Registration Agency (KRA) or CAMS for mutual funds.

Alternative Contact: If there is no response from the fund house, consider contacting AMFI or SEBI again, providing all necessary documents.

These steps should help you resolve the issue and redeem the units without requiring Aadhaar linkage.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |6336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

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Hello sir, With your earlier suggestion to achieve 5Cr for retirement and my 3yr old son's education, I'm planning the following monthly investment ( apart from current Parag, Nippon and Mirae investment of 10L+ 10L in PPF): Son's Parag: 8 My Parag:10 Mirae nifty ev & new age:30 Quant Infra:15 Nifty500 Manufacturing:10 Small cap:10 Mid cap:10 NPS vatsalaya:5(giving 25L) Term plan of 3Cr:8K Monthly in-hand savings:15k Plz suggest if I'm over diversifying & suggestion for small and mid cap fund
Ans: You have a good balance between long-term goals, such as retirement and your son's education, with monthly investments across multiple funds.

Investing Rs 15,000 of monthly savings alongside current investments and having Rs 10 lakh each in Parag and PPF is commendable. This shows discipline in securing your financial future.

Portfolio Overview
Let’s assess the diversification of your portfolio:

Son's Parag: Rs 8,000/month
This could be a good long-term investment for your child's future.

Your Parag: Rs 10,000/month
This adds value to your retirement goal.

Mirae Nifty EV & New Age: Rs 30,000/month
Investing Rs 30,000 in a thematic fund is a bold move. However, ensure this is for the long-term, as sector-specific funds can be volatile.

Quant Infra: Rs 15,000/month
Infrastructure is a good bet for growth in India. However, similar to thematic funds, it can be cyclical.

Nifty500 Manufacturing: Rs 10,000/month
Manufacturing is an essential part of India’s growth story. Still, its performance can depend on broader economic factors.

Small Cap: Rs 10,000/month
Small caps provide high growth potential but come with higher volatility. Keep a horizon of at least 7-10 years.

Mid Cap: Rs 10,000/month
Mid-cap investments are good for growth, but they too require a longer horizon.

NPS Vatsalaya: Rs 5,000/month
A good addition for retirement, as it provides long-term benefits and pension security.

Term Plan of Rs 3 crore: Rs 8,000 premium
This is a necessary expense to ensure your family’s financial security in your absence.

Assessing Over-Diversification
While diversification reduces risk, too much of it can dilute returns. Your portfolio seems slightly over-diversified.

Consider reducing thematic exposure (Mirae Nifty EV & Quant Infra) as they make up a large portion of your investments.

It might be more beneficial to concentrate on core funds like small caps, mid caps, large caps, and a flexi-cap fund for diversification across market caps without the risks of being overly thematic.

Small Cap and Mid Cap Suggestions
For small cap funds, consider selecting ones with a consistent performance history and a good track record in handling market volatility.

For mid cap funds, those that have shown steady growth across different market conditions will be a safer bet for building long-term wealth.

Instead of focusing on individual scheme names, select funds with a solid investment team, strong processes, and consistent performance.

Direct vs Regular Funds
Switching to Direct Funds might seem like a good idea due to the lower expense ratio. However, this shift means losing the valuable guidance of a Certified Financial Planner (CFP) who can help you optimize your investments over time.

By sticking with Regular Funds through a professional MFD (Mutual Fund Distributor), you get personalized advice, monitoring of your investments, and support with tax-saving strategies. Regular funds also provide better handholding, which is crucial in volatile times.

Disadvantages of DIY Platforms
Platforms like MF Central or Zerodha may look attractive for their lower fees, but they have their drawbacks:

Complexity: Managing your portfolio without professional help can be complicated, especially when it comes to tracking performance, rebalancing, or adjusting investments based on changing goals.

Lack of Tax Optimization: Without professional guidance, you may not optimize for taxes, potentially losing out on gains.

No Personalized Advice: Unlike a Certified Financial Planner, DIY platforms will not provide you with tailored advice for your financial goals, leaving you to manage everything yourself.

Long-Term Return Expectations
Your current mutual funds are performing well, but you must be prepared for market volatility. While returns can be 20% in short-term spurts, a more realistic long-term average would be around 12-15%. This will help in planning more effectively for your goals like your son’s education and your retirement corpus of Rs 5 crore.

Final Insights
Your disciplined approach and allocation to mutual funds and NPS are excellent for long-term wealth building. However, fine-tuning your portfolio for better efficiency and consolidation will enhance your returns.

Review the Thematic Funds: Consider reducing your exposure to thematic funds like EV, infrastructure, and manufacturing. These sectors can be volatile and may require active monitoring.

Stick with Regular Funds through an MFD: While direct funds may seem appealing, sticking with regular funds and leveraging the expertise of a Certified Financial Planner ensures you won’t miss out on personalized advice and tax optimization.

Focus on Core Funds: Keep a balanced allocation towards small-cap, mid-cap, and large-cap funds to ensure you cover different market cycles and benefit from market growth.

Adjusting for Volatility: Remember that 20% returns might not be sustainable over the long term. It's safe to plan for 12-15% average returns for your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |6336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

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I have ~40L in my portfolio and all my MF`s are Regular funds since I have been investing thru ICICIDirect. Now I want to start investing into Direct funds since I realize that Direct funds have lower Expense ratio. So I want to invest thru MFcentral or Zeroda. Now, my quesiton is: Is it a good idea to cancel my existing MF`s (not redeeming) in ICICIDirect and start new direct SIP`s ? Will I be loosing compounding effect of my existing regular MF`s? I dont want to redeem the SIP`s since it will incurr large LTCG taxes
Ans: It may seem tempting to switch to Direct Funds for the lower expense ratio, but there are key factors to consider before making the switch.

Here are a few points in favor of continuing with Regular Funds through a Certified Financial Planner (CFP) or a professional Mutual Fund Distributor (MFD):

Value of Professional Advice
A professional MFD or CFP adds value by offering timely advice, portfolio reviews, and strategic changes based on market conditions and your financial goals. They help you stay focused on long-term plans and avoid emotional decisions.

Platforms like MF Central or Zerodha do not offer personalized advice. You’re left managing the complexities of your portfolio alone, which can be overwhelming and risky, especially during volatile markets.

Disadvantages of Direct Platforms
MF Central and Zerodha are DIY (Do-It-Yourself) platforms. While the lower expense ratio seems appealing, managing the portfolio on your own requires time, expertise, and market insight. Any wrong move could cost you more than you save in expense ratio.

MF Central is not user-friendly and does not offer real-time support for managing SIPs, rebalancing, or tracking your overall portfolio’s health.

Zerodha is a trading platform, but it doesn’t come with personalized advice. It lacks the long-term relationship benefits that an MFD or CFP provides, including goal-based planning and tax-efficient strategies.

Compounding Effect & Tax Implications
Cancelling your existing SIPs and switching to direct funds will not directly affect the compounding of your current investments. However, starting new SIPs in Direct Plans could lead to a disjointed investment strategy. You may also lose out on expert guidance that helps optimize the compounding effect through proper fund selection and market timing.

Switching to direct funds might seem cost-effective in the short run but could result in higher LTCG (Long Term Capital Gains) taxes if you later decide to rebalance your portfolio on your own without professional help.

Avoid Disruption
Switching platforms might disrupt your current portfolio management process like consolidated reports and capital gains tracking, which helps during tax filings. On DIY platforms, you will have to manage all of this yourself.

If you are not satisfied with ICICIDirect's services, you can always switch to another professional MFD or Certified Financial Planner (CFP). A good MFD will still provide the benefits of seamless portfolio management, including consolidated reports, capital gains tracking, and regular reviews, which are critical during tax filings and for keeping your investments aligned with your goals.

Final Thought
Instead of switching to direct plans, continue with Regular Plans through a professional MFD or CFP. The personalized advice you receive will often outweigh the slight difference in expense ratio. Regular reviews, goal setting, and rebalancing help ensure your portfolio remains aligned with your long-term objectives.

Making hasty decisions based on expense ratio alone can lead to missed opportunities and higher risks in the long run.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...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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