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Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 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
Bhajan Question by Bhajan on Aug 18, 2023Hindi
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Hi Sir, I am 45 years now, I have these monthly SIP. Nippon India Large Cap Fund Rs.12000, Aditya Birla Sun Life Flexi Cap Fund - G Rs.4000, ICICI Prudential Technology Fund - G- Rs.12000, Axis Small Cap Fund Rs.12000, Nippon India Small Cap Fund - G Rs.4000 . Please review my portfolio and advice according to my son's advance studies in 7 years and retirement plan in 15 years.

Ans: Portfolio Review and Recommendations for Future Goals

Assessment of Current Portfolio

Your current investment portfolio reflects a diversified approach, with allocations across various fund categories, including large-cap, flexi-cap, technology, and small-cap funds. This diversification aims to balance risk and potential returns.

Evaluation of Asset Allocation

Your portfolio has a significant exposure to equity funds, which indicates a growth-oriented strategy. While equity investments have the potential for higher returns over the long term, they also carry higher volatility and risk.

Analysis of Fund Selection

Your choice of funds reflects a blend of growth potential and risk management. However, it's essential to assess each fund's performance, consistency, and alignment with your financial goals.

Assessment of Investment Horizon

Considering your son's advanced studies in seven years and retirement planning in fifteen years, it's crucial to evaluate your investment horizon and risk tolerance.

Recommendations for Future Adjustments

Review and Rebalance: Periodically review your portfolio to ensure it remains aligned with your goals and risk tolerance. Rebalancing may be necessary to maintain the desired asset allocation.

Goal-based Investing: Segment your investments based on specific goals, such as your son's education and retirement. This approach ensures a tailored investment strategy for each objective.

Risk Management: Given the relatively short time horizon for your son's education, consider gradually shifting a portion of your equity investments into more stable options as the goal approaches. For retirement planning, maintaining a diversified portfolio with exposure to equities for long-term growth potential is advisable.

Professional Guidance: Engage with a Certified Financial Planner (CFP) who can provide personalized advice and assist you in optimizing your investment strategy based on your financial objectives and risk profile.

Conclusion

In summary, while your current portfolio demonstrates a diversified approach, it's essential to periodically review and adjust your investments to ensure they remain aligned with your evolving financial goals. By implementing a goal-based investment strategy and seeking professional guidance, you can enhance the likelihood of achieving your objectives.

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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Hi, I am 22 years old doing SIP of Rs. 16,000 per month in these following funds:- 1. Parag Parikh Flexi Cap Fund :- 4500 2. Quant Flexi Cap Fund :- 4500 3. Nippon India Large Cap Fund:- 2000 4. Motilal Oswal Mid Cap Fund:- 1500 5. Quant Mid Cap Fund:- 1500 6. Axis Small Cap Fund:- 1000 7. Bandhan Small Cap Fund:- 1000 Please do a review of my portfolio and give your suggestions. Thank you!
Ans: You have a well-diversified SIP portfolio. Investing Rs. 16,000 monthly at 22 is a commendable step. This shows your commitment to building wealth over time. Let’s review your portfolio and provide suggestions for improvement.

Current Portfolio Analysis
Your current SIP investments include:

Parag Parikh Flexi Cap Fund: Rs. 4,500

Quant Flexi Cap Fund: Rs. 4,500

Nippon India Large Cap Fund: Rs. 2,000

Motilal Oswal Mid Cap Fund: Rs. 1,500

Quant Mid Cap Fund: Rs. 1,500

Axis Small Cap Fund: Rs. 1,000

Bandhan Small Cap Fund: Rs. 1,000

Diversification and Allocation
Flexi Cap Funds
Parag Parikh Flexi Cap Fund and Quant Flexi Cap Fund:

Advantages: Flexi cap funds invest across all market capitalizations. They provide flexibility to capture growth opportunities.

Risk and Return: These funds balance risk and return by diversifying investments across large, mid, and small cap stocks.

Evaluation:

Sufficient Exposure: Investing in two flexi cap funds provides adequate exposure to diverse market segments.

Potential Overlap: Check for overlapping stocks to ensure true diversification.

Large Cap Fund
Nippon India Large Cap Fund:

Advantages: Large cap funds invest in established companies. They offer stability and lower volatility compared to mid and small cap funds.

Risk and Return: Lower risk with moderate returns. Suitable for long-term stability in the portfolio.

Evaluation:

Stability Factor: Including a large cap fund adds stability to your portfolio.

Maintain Allocation: Continue with your current allocation to ensure balance.

Mid Cap Funds
Motilal Oswal Mid Cap Fund and Quant Mid Cap Fund:

Advantages: Mid cap funds invest in growing companies. They have the potential for higher returns than large caps but with higher risk.

Risk and Return: Higher volatility with the potential for significant returns.

Evaluation:

Growth Potential: Two mid cap funds provide a good balance of growth potential.

Diversification: Ensure there is minimal overlap between the funds to maximize diversification.

Small Cap Funds
Axis Small Cap Fund and Bandhan Small Cap Fund:

Advantages: Small cap funds invest in emerging companies. They offer high growth potential but come with higher risk.

Risk and Return: High volatility with the possibility of substantial returns.

Evaluation:

Aggressive Growth: Small cap funds are suitable for aggressive growth in your portfolio.

Monitor Performance: Regularly monitor these funds due to their high volatility.

Recommendations for Improvement
Review Fund Overlaps
Diversification Check: Ensure there is minimal overlap among stocks in your flexi cap, mid cap, and small cap funds.

Balanced Exposure: Aim for a balanced exposure to different sectors and industries.

Rebalance Portfolio
Current Allocation: Your portfolio is skewed towards flexi cap funds.

Suggested Allocation: Consider increasing the allocation to large cap funds for stability. This ensures a balanced risk-return profile.

Long-Term Strategy
Stay Invested: Continue your SIPs for the long term to benefit from rupee cost averaging and compounding.

Periodic Review: Review your portfolio periodically to ensure it aligns with your financial goals.

Additional Suggestions
Emergency Fund
Liquidity: Maintain an emergency fund equivalent to 6-12 months of your expenses. This ensures liquidity for unforeseen circumstances.
Health and Term Insurance
Health Insurance: Ensure you have adequate health insurance coverage. This protects you against medical emergencies.

Term Insurance: Consider term insurance for financial security of your dependents in case of an untimely demise.

Education and Learning
Continuous Learning: Keep learning about personal finance and investments. This helps you make informed decisions.

Seek Advice: Consider consulting a Certified Financial Planner (CFP) for personalized advice tailored to your financial goals.

Conclusion
Your current SIP portfolio is well-diversified and on the right track. A balanced approach with adjustments can further optimize it. Investing in mutual funds through SIPs is a commendable strategy for wealth creation. Regularly review and rebalance your portfolio. This ensures it aligns with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 05, 2024

Asked by Anonymous - Aug 05, 2024Hindi
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Dear Sir, I am 59 years old salaried person and doing monthly SIP since June 2021 in Parag Parikh Flexi cap (Rs.20000) Axis Mid cap (Rs. 5000) Axis ESG (Rs. 5000), Nippon Multi-cap (Rs. 5000), Canara Small Cap (Rs. 3000), SBI Small cap (Rs. 3000)- all direct plans. Investment is to continue till December 2030. Thereafter, I plan to remain invested for another 3 years. Wealth creation is the aim. Kindly review my portfolio.
Ans: Current Investment Strategy

You're investing Rs. 41,000 monthly in mutual funds.
Your portfolio has a mix of different fund types.
You plan to invest till 2030 and stay invested after.

Positive Aspects

Good job starting SIPs for wealth creation.
Your portfolio has a nice mix of fund types.
Long-term investment plan is smart for wealth building.

Areas for Improvement

Your portfolio might be too complex to manage.
Too many small-cap funds could increase risk.
Direct plans need more work from you.

Risk Assessment

At 59, you might want less risky investments.
Small-cap funds can be very risky.
Consider reducing small-cap exposure as you age.

Fund Selection

Your funds are from good companies.
But having six funds might be too many.
Think about cutting down to 3-4 funds.

Regular vs Direct Plans

Direct plans have lower costs, but need more work.
Regular plans give you expert help.
A Certified Financial Planner can guide you better.

Benefits of Regular Plans

Get expert advice on fund selection.
Regular portfolio reviews and rebalancing.
Help with paperwork and tax planning.

Disadvantages of Direct Plans

You must research and choose funds yourself.
No professional guidance for your portfolio.
Might miss out on better investment options.

Suggested Changes

Think about moving to regular plans.
Reduce number of funds to 3-4.
Lower your small-cap exposure.

Asset Allocation

Have a good mix of large, mid, and small-cap.
Add some debt funds for stability.
Review allocation yearly and adjust as needed.

Tax Planning

Check if you're using ELSS funds for tax saving.
If not, consider adding one to your portfolio.
This can help reduce your tax burden.

Monitoring and Rebalancing

Check your portfolio performance every 6 months.
Change funds if they don't do well for long.
Keep your asset mix in line with your goals.

Finally

Your investment plan is good, but needs some tweaks.
Consider expert help for better results.
Regular review and rebalancing can improve your returns.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 14, 2024

Asked by Anonymous - Sep 14, 2024Hindi
Money
I am 27 years old studying 3rd year MD, have the following monthly SIPs. 1.PPF 12500 2. PLI 5300 3. Jeevan Umang 5400 4. RD 4500 5. ICICI equity and debt fund 5000 6. ICICI india oppertunity fund 2000 7. Kotak multi cap fund 2000 8. Sundaram service fund 2000 9. Nippon small cap fund 2000 10. HDFC multi cap fund 2000 11. Canara robaco blue chip equity fund 2000 12. Motilal Oswal large and mid cap 5000 Please evaluate my portfolio and advice Do I need to cancel any of the above Or should I go for alternatives than above mentioned Kindly suggest
Ans: At the age of 27, with a long-term investment horizon, you have built a diverse portfolio. However, a review of your portfolio is necessary to ensure optimal returns and financial security. Let’s assess each of your existing investments while providing insights on potential improvements.

1. PPF (Public Provident Fund)

The PPF is a solid choice for risk-free, tax-efficient, long-term savings.

It offers guaranteed returns and tax benefits under Section 80C.
It should be continued as part of your debt allocation.
However, you may want to limit over-reliance on low-return instruments like PPF, as it has a lock-in period of 15 years and a lower growth potential compared to equities.
2. Postal Life Insurance (PLI)

PLI is one of the oldest and most reliable life insurance products in India.

It offers low premiums with high returns.
However, if you are purely looking for life cover, term insurance may offer a higher sum assured at a lower cost.
For wealth accumulation, this may not be the most optimal choice due to its moderate returns. It is advisable to review whether you need both PLI and Jeevan Umang (discussed below).
3. Jeevan Umang

Jeevan Umang is a combination of life insurance and investment, providing regular payouts.

Such investment-cum-insurance plans generally offer lower returns compared to mutual funds.
You might want to re-evaluate keeping this plan since standalone life insurance (term insurance) combined with mutual fund investments may provide better growth and flexibility.
Cancelling or surrendering this policy should be considered after evaluating its surrender value and whether it's feasible based on your financial goals.
4. Recurring Deposit (RD)

RDs are low-risk instruments but have relatively lower returns.

While RDs ensure capital safety, they might not be ideal for wealth creation, especially for long-term goals.
Since you're still young with a long investment horizon, it might be better to channel more funds into equities for higher growth potential.
Consider reducing or stopping this RD and redirecting the funds into equity-based investments.
5. ICICI Equity and Debt Fund

This hybrid fund is a balanced option offering exposure to both equity and debt.

It provides the potential for growth through equities while managing volatility with debt.
As you are young and have a long-term horizon, a higher allocation towards pure equity funds might yield better long-term results.
Evaluate whether you need a hybrid fund in your portfolio, as your other debt investments (PPF, RD) already provide stability.
6. ICICI India Opportunity Fund

This is a thematic fund, focused on certain sectors or market opportunities.

Thematic funds can be more volatile and risky compared to diversified equity funds.
Consider whether you need exposure to such a niche strategy. These funds can work well in a bull market but may not be ideal for consistent long-term growth.
It might be wiser to replace this fund with a more diversified equity mutual fund for better stability.
7. Kotak Multi Cap Fund

Multi-cap funds invest across large-cap, mid-cap, and small-cap stocks.

Multi-cap funds are suitable for long-term growth as they provide diversification across different market capitalisations.
This is a good choice to hold as it balances risk and returns by spreading investments across different categories.
No change is required here.
8. Sundaram Service Fund

Thematic funds like this one tend to focus on specific industries or sectors.

Sector-focused funds are prone to higher volatility due to limited diversification.
While such funds can provide high returns in specific cycles, they may not be ideal for consistent long-term growth.
You could consider switching to a diversified equity fund to reduce concentration risk.
9. Nippon Small Cap Fund

Small-cap funds have high growth potential but are also volatile.

Given your long-term horizon, small-cap funds can offer excellent growth opportunities.
However, small-cap funds should be a part of your portfolio, but with a smaller allocation due to higher risks.
Keep an eye on the fund’s performance and market conditions but maintain some exposure to small caps for aggressive growth.
10. HDFC Multi Cap Fund

Similar to the Kotak Multi Cap Fund, this fund offers broad exposure across different types of companies.

Multi-cap funds are an important component of a well-diversified portfolio.
Holding multiple multi-cap funds may lead to overlapping stock investments, so it may be beneficial to consolidate into one multi-cap fund for simplicity and efficiency.
No immediate need for cancellation, but consider streamlining your investments.
11. Canara Robeco Blue Chip Equity Fund

Blue chip equity funds invest in well-established companies with strong track records.

Blue chip funds are a stable option for long-term wealth creation with moderate risk.
These funds tend to perform well in the long term, providing stable growth.
Continue investing in blue-chip equity for consistent, lower-risk returns.
12. Motilal Oswal Large and Mid Cap Fund

This fund invests in a mix of large and mid-cap companies.

Large and mid-cap funds offer a balance of stability from large caps and growth potential from mid caps.
It’s a good choice to keep, given your long-term investment horizon.
Continue your SIP in this fund as it provides a diversified exposure to both stable and high-growth companies.
Portfolio Insights

Your portfolio is a mix of both equity and debt instruments. There are areas where you could improve efficiency and focus more on growth. Since you are young, your portfolio should focus more on equity investments rather than debt or conservative instruments.

Here are some points for improvement:

Consider reducing or stopping PLI, Jeevan Umang, and RD. They offer lower returns and are not ideal for wealth accumulation.
Consolidate your multi-cap funds to avoid redundancy and improve efficiency.
Consider moving away from thematic funds (ICICI India Opportunity, Sundaram Service) and replace them with more diversified options for better risk management.
Maintain small exposure to small-cap funds but don’t over-allocate due to volatility.
Large-cap and blue-chip funds should continue, as they provide stability to your portfolio.
Investment Strategy Moving Forward

Since you are currently pursuing your MD, you might want to focus on building a strong long-term growth portfolio. The following strategy could help you optimise your investments:

Increase Equity Exposure: Given your young age and long-term goals, you could increase your equity exposure to maximise returns. Equity mutual funds have historically outperformed other asset classes over long periods.

Reduce Debt Instruments: PPF is a good debt instrument, but the RD and life insurance policies may not be ideal for wealth creation. Consider directing those funds into more growth-oriented investments.

Review Insurance Needs: If your current life insurance policies are not providing adequate coverage, switch to a term plan that offers high coverage at a lower premium. This will allow you to free up more funds for investment purposes.

Consolidate and Simplify: You have multiple schemes in similar categories, which might lead to unnecessary overlap. Streamlining your portfolio by focusing on a few high-quality funds can make it easier to track performance.

Continue SIPs: SIPs are a great way to invest systematically. Increase your SIPs in funds with strong performance records and reduce exposure to underperforming or high-risk funds.

Monitor Portfolio Regularly: Keep track of your fund performance, rebalance annually, and make adjustments as needed to align with your goals.

Final Insights

Your portfolio is already in a good shape for someone at the start of their professional career. However, there are some areas where you could optimise for better returns. By focusing more on equity and less on conservative products like life insurance and RDs, you can enhance your wealth creation potential.

This shift in strategy will allow you to focus on long-term growth, ensuring a solid financial foundation for the future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |10168 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi
Career
My son has got B.Tech core CSE in both VIT vellore (category 5) and PES university, Electronic City campus. We are based in Bangalore. Please suggest which is a better option?
Ans: VIT Vellore offers a well-established Computer Science and Engineering program with a broad campus, strong infrastructure, and consistent placement rates around 60-65%. The average package is approximately ?9.9 LPA, with top recruiters like Microsoft, Amazon, and Apple, reflecting its robust industry connections and global brand recognition. PES University, located in Bangalore’s Electronic City, benefits from proximity to major IT hubs and offers a competitive Computer Science program with a median placement package around ?8 to ?9 LPA and placement rates near 70-80%. PES has a modern campus, reputed faculty, and strong industry collaborations, especially valuable for local internships and networking opportunities.

Recommendation: Prioritize PES University for its Bangalore location, closer industry links, and higher placement rate, which favor practical exposure and career networking. Choose VIT Vellore for its brand prestige, larger campus, and internationally recognized curriculum. Your decision should balance local engagement advantages at PES with the extensive reputation and infrastructure strengths of VIT. This alignment will optimize your son's academic and career trajectory based on his personal preferences and future goals. My suggestion: Based on location & fees, prefer PES-EC-CSE. However, he should consistently maintain a strong CGPA and continuously enhance his skills through his fourth year to remain competitive with CSE peers both at the Electronic City campus and the RR (Banashankari) campus of PES for Campus Placement. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10168 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
Sir I'm confused between Pillai New Panvel and Sies for electronics and computer science course that which is better actually I am interested in cs it but I don't have great percentage i have scored 87 in diploma so for dse which college should I prefer according to placement?
Ans: Sanjana, Pillai College of Engineering (PCE) New Panvel offers a robust Electronics & Computer Science program with specialized tracks in AI, ML, IoT, Robotics, and Cloud Computing. It has commendable infrastructure, a research focus, and around 70–80% placement rates, with median packages near ?4.4 LPA and top recruiters including Reliance and Capgemini. The curriculum integrates both electronics and computing fundamentals, preparing students for diverse tech roles. SIES Graduate School of Technology, Mumbai provides a similarly comprehensive Electronics and Computer Science course with strong infrastructure but a smaller intake. It reports a higher placement rate around 90%, average packages near ?8 LPA, and recruiters like TCS, Infosys, and Reliance. While SIES offers a slightly better placement performance and higher average packages, PCE balances good placement statistics with a broader specialization and research opportunities. Both colleges maintain qualified faculty and industry ties, but SIES's higher placement record may better suit students aiming for IT-centric careers.

Recommendation: Prefer SIES Graduate School of Technology for Electronics and Computer Science for stronger placement outcomes and average packages aligned with IT career goals. Consider Pillai College of Engineering for its diverse technical specializations and solid placements if broader tech exposure and research are priorities. Align the choice with your career focus between IT-intensive roles (SIES) and combined electronics-computer science expertise (PCE). All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10168 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi
Career
Should I consider AMITY University noida for btech CSE ? How are placements there ?
Ans: Amity University Noida offers a well-structured B.Tech in Computer Science and Engineering (CSE) program accredited with an 'A+' grade by NAAC and recognized by UGC, AICTE, and international bodies. The campus boasts world-class infrastructure including high-tech labs, air-conditioned classrooms, extensive libraries, on-campus hostels, sports complexes, and medical facilities. Faculty members are qualified with many holding advanced degrees and some international exposure. Placements for CSE students show decent success with approximately 70-75% of students placed recently, attracting top recruiters like Microsoft, IBM, Accenture, and Amazon. The highest packages can reach up to 36 LPA, with average package ranges around 6-7 LPA. The university has strong industry tie-ups and hosts numerous internship opportunities, supported by corporate resource centers and innovation incubators fostering entrepreneurship. Its global collaborations enhance student exposure, providing a good blend of academics, practical learning, and career support for a comprehensive engineering education.

Recommendation: Amity University Noida is a credible choice for B.Tech CSE with strong infrastructure, qualified faculty, and active placement support. It suits students aiming for solid industry exposure and campus recruitment in reputed IT companies while benefiting from an expansive campus and diverse academic resources aligned with current industry demands. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10168 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
Kiit cse or muj cse
Ans: KIIT School of Computer Engineering in Bhubaneswar is a highly reputed private institute with robust placements, offering around 90% placement rate and an average package near INR 8.5 LPA in 2023. It attracts over 3800 job offers annually from top recruiters like Microsoft, TCS, and Reliance, supported by strong academic infrastructure, experienced faculty, and active research and innovation culture. Manipal University Jaipur’s CSE program also delivers strong placement outcomes with about 93% placement rate and an average package of INR 9 LPA in 2023, hosting recruiters like Amazon, Deloitte, and KPMG. It benefits from a modern campus, specialized electives in emerging tech areas, and good industry collaborations. KIIT has a higher NIRF ranking and larger placement scale, but MUJ boasts a slightly higher average package and lower fee structure with the advantage of Jaipur location.

Recommendation: Prefer KIIT CSE if campus prestige, higher placement volume, and broader alumni network are priorities, alongside quality academic resources and top-tier recruitment. Choose MUJ CSE for a strong placement environment with slightly better average packages, affordable fees, and a preferred location in Jaipur. Align the choice with your location preference, fee affordability, and career aspirations for an optimal balance of reputation and return on investment. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10168 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
Which is better....Maths & Computing at NIT Surat or Maths & Computing at IIITM Gwalior?
Ans: Mathematics and Computing at NIT Surat (SVNIT) is offered as a 4-year undergraduate program with a total tuition fee of around ?5 lakh and an average placement package of ?10.54 lakh. SVNIT Surat is a well-established public government institute with over 100 qualified faculty members, many holding PhDs, and offers strong industry connections and a rigorous curriculum blending mathematics and computing fundamentals. IIITM Gwalior offers a similar 4-year B.Tech in Mathematics and Scientific Computing with a slightly higher fee of ?6.32 lakh and a cohort of 30–60 students. It is a deemed university with a NAAC A grade and ranked 101-150 by NIRF for engineering. Its faculty is highly qualified with PhDs from reputed institutes, focusing on practical knowledge and research. Placement packages at IIITM Gwalior can be high, with reports of up to ?65 lakh for top placements, and the institute encourages a research-oriented environment.

Recommendation: Choose NIT Surat for its strong government backing, comprehensive curriculum, and established alumni network, offering consistent academic and placement support in Mathematics and Computing. Opt for IIITM Gwalior if you prefer a research-intensive environment with potential for very high top-end placements, valuing a smaller, focused university setting. The decision should align with preference for established public institute stability versus emerging research-led autonomy. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

All the BEST for a Prosperous Future!

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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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