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Vivek Lala  |301 Answers  |Ask -

Tax, MF Expert - Answered on Apr 14, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more
Karthikeyan Question by Karthikeyan on Apr 11, 2024Hindi
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Hi Sir I am 50 years old employed in a private firm, I am having a fund of Rs 5L, please suggest how and where to invest for good returns

Ans: Hello,
IF you are looking for a long term investment which is 7 years plus, then you can split the 5L into the following categories of funds , and since the markets are a little high , you can do a STP of 20 weeks for the same ( STP - Systematic Transfer Plan )
Mid cap - 1.5L
Small cap - 1.5L
Multi cap - 2L

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.
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  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Asked by Anonymous - May 21, 2024Hindi
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I m 42 year old ,i have10 lack amount to investment, I want high return in in 5 year.where should invest.
Ans: At 42, with Rs 10 lakh to invest and a 5-year horizon, it’s wise to explore options that offer potentially high returns while considering associated risks. Let’s analyze your investment options to help you make an informed decision.

Assessing Your Investment Goals and Risk Tolerance
Before diving into specific investment avenues, it's essential to understand your financial goals and risk tolerance. Are you comfortable with high-risk, high-return investments, or do you prefer a more conservative approach?

Evaluating High-Return Investment Options
Considering your 5-year timeframe and the desire for high returns, here are some potential investment avenues to explore:

Equity Mutual Funds: Equity funds invest primarily in stocks, offering higher returns over the long term. However, they are subject to market volatility and may not be suitable for short-term goals.

Debt Mutual Funds: Debt funds invest in fixed-income securities like bonds and offer relatively lower returns compared to equity funds. They provide stability to your portfolio and are less volatile than equity funds.

Direct Stocks: Investing directly in stocks can offer potentially high returns, but it requires in-depth research and understanding of the stock market. Stock prices can fluctuate significantly in the short term, so it's essential to invest wisely.

Systematic Investment Plan (SIP): SIPs allow you to invest regularly in mutual funds, reducing the impact of market volatility through rupee cost averaging. It's a disciplined approach to investing and suitable for long-term wealth creation.

Understanding the Risks and Benefits
Each investment option comes with its own set of risks and benefits:

Equity Funds: While equity funds offer the potential for high returns, they are subject to market risks. Market fluctuations can impact the value of your investment, especially in the short term.

Debt Funds: Debt funds are relatively safer than equity funds but offer lower returns. They are suitable for investors seeking stability and income generation.

Direct Stocks: Investing directly in stocks can be rewarding but carries higher risks. Stock prices can be volatile, and individual company performance can affect your investment.

SIPs: SIPs provide the benefit of rupee cost averaging and disciplined investing. They are suitable for investors with a long-term investment horizon and risk tolerance.

Importance of Diversification
Diversifying your investments across different asset classes reduces risk and enhances returns. Consider allocating your investment amount across multiple avenues to spread risk effectively.

Professional Guidance
Consulting with a Certified Financial Planner (CFP) can provide personalized advice tailored to your financial goals and risk tolerance. A CFP can help you assess your investment options and create a diversified portfolio aligned with your objectives.

Conclusion
As a 42-year-old investor with Rs 10 lakh to invest and a 5-year horizon, exploring high-return investment options like equity mutual funds, debt funds, direct stocks, and SIPs can help you achieve your financial goals. It's essential to understand the risks and benefits of each option and seek professional guidance to create a well-diversified portfolio.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 10, 2024

Money
I have a fund of 9 lakhs. I am 52 years lady. I want to know where can i invest so I can get better returns in the next 5 years.
Ans: Investing Rs. 9 Lakhs for Optimal Returns in 5 Years

Investing your hard-earned money wisely is crucial, especially as you approach retirement. As a 52-year-old woman with a fund of Rs. 9 lakhs, your investment decisions need to balance growth with safety. Let's explore various investment avenues that can help you achieve better returns in the next five years.

Understanding Your Investment Goals

Before diving into investment options, it’s important to understand your financial goals. Are you looking to grow your wealth significantly, or are you more focused on preserving capital while earning moderate returns? Clarity on these goals will help shape your investment strategy.

Risk Appetite Assessment

Given your age, it is essential to assess your risk appetite. Generally, individuals nearing retirement prefer lower-risk investments to ensure capital protection. However, a moderate allocation to equities can help in achieving higher returns, balancing growth with stability.

Investment Horizon

Your investment horizon of five years allows for some level of risk-taking, which can yield better returns. It’s not too short to be overly conservative, nor too long to miss out on growth opportunities.

Diversification is Key

Diversification helps mitigate risk by spreading investments across different asset classes. A diversified portfolio can provide a balance between risk and return.

Equity Mutual Funds

Equity mutual funds are suitable for a five-year investment horizon. They have the potential to deliver higher returns compared to traditional savings instruments.

Growth Potential: Equity funds invest in shares of companies. If the companies perform well, the fund's value increases.

Professional Management: These funds are managed by professional fund managers who have expertise in selecting stocks.

Types of Equity Funds: There are large-cap, mid-cap, and small-cap equity funds. Large-cap funds are more stable, while mid and small-cap funds offer higher growth potential but with higher risk.

Systematic Investment Plan (SIP)

SIP is an investment method where you invest a fixed amount regularly in a mutual fund. SIP helps in averaging out the purchase cost and mitigates market volatility.

Disciplined Approach: SIP instills discipline in investing by ensuring regular investments.

Rupee Cost Averaging: It averages the purchase cost over time, reducing the impact of market volatility.

Flexibility: SIPs can be started with a small amount and increased as per convenience.

Debt Mutual Funds

Debt mutual funds invest in fixed-income securities like bonds and treasury bills. They are less volatile compared to equity funds and provide stable returns.

Stability: Debt funds are less volatile and offer stable returns.

Types of Debt Funds: There are short-term, medium-term, and long-term debt funds. Short-term debt funds are less sensitive to interest rate changes.

Liquidity: Debt funds offer good liquidity, allowing you to redeem your investment easily.

Balanced or Hybrid Funds

Balanced or hybrid funds invest in a mix of equity and debt. They provide a balance between risk and return.

Balanced Approach: These funds offer a balanced approach by investing in both equity and debt.

Risk Mitigation: The debt component helps in mitigating risk while the equity component provides growth.

Suitable for Moderate Risk Takers: Ideal for investors with moderate risk appetite looking for balanced growth.

Systematic Withdrawal Plan (SWP)

After the five-year investment period, you can use a Systematic Withdrawal Plan (SWP) to withdraw a fixed amount regularly.

Regular Income: SWP allows you to withdraw a fixed amount regularly, providing a steady income stream.

Tax Efficiency: SWP is tax-efficient as you pay tax only on the withdrawn amount, not the entire investment.

Capital Preservation: SWP helps in preserving your capital while providing regular income.

Public Provident Fund (PPF)

PPF is a government-backed long-term savings scheme with attractive interest rates and tax benefits. Though primarily for long-term, it can be a part of your diversified portfolio.

Safety and Security: PPF offers guaranteed returns with government backing.

Tax Benefits: Contributions to PPF are tax-deductible, and interest earned is tax-free.

Fixed Tenure: PPF has a 15-year lock-in period, but partial withdrawals are allowed after the seventh year.

Senior Citizens Savings Scheme (SCSS)

SCSS is a government-backed savings scheme designed for senior citizens, offering regular income and tax benefits.

Regular Income: SCSS provides quarterly interest payments, ensuring regular income.

Safety: Being government-backed, SCSS offers high safety.

Tax Benefits: Investment in SCSS qualifies for tax deduction under Section 80C.

Fixed Deposits (FDs)

Bank Fixed Deposits (FDs) are traditional savings instruments offering fixed returns. They are low-risk but may offer lower returns compared to mutual funds.

Safety: FDs are considered safe as they offer guaranteed returns.

Flexibility: You can choose the tenure as per your requirement.

Lower Returns: FDs generally offer lower returns compared to equity and debt funds.

Assessing the Benefits of Actively Managed Funds

Actively managed funds involve professional fund managers making investment decisions. They aim to outperform market indices, unlike index funds which merely replicate indices.

Potential for Higher Returns: Skilled fund managers can select high-performing stocks, aiming for higher returns.

Flexibility in Investment: Fund managers can adjust the portfolio based on market conditions.

Risk Management: Active management allows for timely adjustments to mitigate risks.

Disadvantages of Index Funds

Index funds, which replicate market indices, have certain drawbacks. They lack flexibility and potential for higher returns compared to actively managed funds.

No Flexibility: Index funds cannot adjust their portfolio to changing market conditions.

Limited Returns: They only match the index performance, potentially missing out on higher returns.

Market Downturns: In market downturns, index funds will follow the market trend, potentially resulting in losses.

Why Opt for Regular Funds

Regular funds involve investing through a Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They offer several benefits over direct funds.

Expert Guidance: MFDs provide expert guidance in selecting suitable funds.

Portfolio Management: Regular reviews and adjustments are done by professionals.

Value-Added Services: MFDs offer additional services like financial planning and tax planning.

Disadvantages of Direct Funds

Direct funds are purchased directly from the fund house without intermediaries. They might save on commission costs but come with certain drawbacks.

Lack of Professional Advice: Direct investors miss out on professional guidance and advice.

Time-Consuming: Managing and reviewing investments require significant time and effort.

Potential for Mistakes: Without expert advice, there's a higher risk of making investment mistakes.

Emergency Fund

Before investing, ensure you have an emergency fund. This fund should cover at least six months of your living expenses. It provides financial security in case of unforeseen circumstances.

Liquidity: Keep the emergency fund in highly liquid instruments like savings accounts or liquid funds.

Safety: Prioritize safety over returns for your emergency fund.

Peace of Mind: Having an emergency fund offers peace of mind, allowing you to invest the rest confidently.

Health Insurance

Ensure you have adequate health insurance coverage. Medical emergencies can erode your savings if you lack proper insurance.

Coverage: Opt for comprehensive health insurance covering hospitalization, critical illnesses, and preventive care.

Premiums: Pay premiums regularly to maintain continuous coverage.

Peace of Mind: Adequate health insurance provides financial security against medical emergencies.

Evaluating Performance Regularly

Regular evaluation of your investments is crucial. It ensures your portfolio remains aligned with your goals and market conditions.

Periodic Review: Review your portfolio at least annually.

Rebalancing: Adjust the asset allocation if necessary to maintain the desired risk-return profile.

Professional Help: Seek assistance from a Certified Financial Planner for portfolio reviews.

Tax Planning

Effective tax planning can enhance your investment returns. Utilize tax-saving instruments and strategies to minimize tax liabilities.

Tax-Saving Investments: Invest in tax-saving instruments like ELSS, PPF, and SCSS.

Tax-Efficient Withdrawals: Plan withdrawals to minimize tax impact.

Professional Advice: Seek advice from a Certified Financial Planner for tax-efficient investment strategies.

Staying Informed

Stay informed about financial markets and investment options. Knowledge empowers you to make informed decisions.

Financial News: Follow financial news and market trends.

Investment Education: Educate yourself through books, online courses, and seminars.

Professional Guidance: Consult a Certified Financial Planner for expert advice.

Avoiding Emotional Decisions

Investing requires a disciplined approach. Avoid making emotional decisions based on short-term market fluctuations.

Stick to Plan: Stick to your investment plan and avoid impulsive decisions.

Long-Term Focus: Focus on long-term goals rather than short-term market movements.

Professional Support: Seek support from a Certified Financial Planner to stay disciplined.

Final Insights

Investing Rs. 9 lakhs wisely over the next five years requires a balanced approach. Diversify your investments across equity and debt funds for optimal returns. Regularly review your portfolio and stay informed about market trends. Avoid emotional decisions and seek professional advice from a Certified Financial Planner. Remember to have an emergency fund and adequate health insurance in place. These steps will help you achieve your financial goals while ensuring peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

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Pradeep

Pradeep Pramanik  |186 Answers  |Ask -

Career And Placement Consultant - Answered on Nov 21, 2024

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I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.
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There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

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

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I hv started sip in 2008 and still continued , now the monthly sip is 55k and total value is 1.85cr. Need to accumulate 7cr with in next 4 yrs pls guide how can i achieve. - Deepak J. Hajari
Ans: Deepak, your long-term SIP discipline is impressive. Accumulating Rs. 7 crore in 4 years is ambitious. Achieving this goal requires a strategic approach, as time is limited. Let's create an actionable plan for your success.

Current Financial Snapshot
Ongoing SIPs: Rs. 55,000 monthly.
Current Portfolio Value: Rs. 1.85 crore.
Target Corpus: Rs. 7 crore within 4 years.
Your consistent investing habits have built a solid foundation. However, to achieve your target, adjustments are needed.

Key Challenges
Short Time Frame: Four years is a limited period for aggressive wealth accumulation.
Significant Gap: A gap of Rs. 5.15 crore remains to meet the Rs. 7 crore goal.
Market Volatility: Equity investments might face short-term volatility.
Recommendations to Bridge the Gap
1. Increase Your SIP Contributions
Raise your SIP amount to Rs. 1.25 lakh per month.
This increase ensures faster wealth creation through compounding.
Prioritise high-growth funds in equity-oriented categories.
2. Invest Lump Sum Amounts
Consider deploying a lump sum if you have idle savings or low-yield investments.
Invest in aggressive equity mutual funds for higher potential returns.
Break down the lump sum into tranches for better market timing.
3. Diversify into High-Growth Mutual Funds
Focus on small-cap and mid-cap mutual funds for higher growth potential.
Maintain a balance with some large-cap exposure for stability.
Ensure the portfolio aligns with your high-return requirements.
4. Avoid Overexposure to Debt or Low-Yield Instruments
Limit debt investments during this aggressive growth phase.
Avoid instruments like FDs or debt mutual funds with lower returns.
Rely on equity for the next four years to maximise growth.
5. Rebalance Your Portfolio Regularly
Conduct a portfolio review every 6 months.
Reallocate funds based on underperforming or outperforming sectors.
Keep your portfolio aligned with market trends and your goals.
6. Capitalize on Bonus or Windfall Gains
Direct any bonuses, salary hikes, or windfall gains towards your target.
Avoid unnecessary expenses during this focused phase.
Tax Efficiency Matters
Equity Mutual Funds Taxation: Gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt Mutual Funds Taxation: Taxed as per your income slab.
Plan redemptions strategically to minimise tax liabilities.
Leverage Market Opportunities
Benefit from Market Corrections: Use corrections as opportunities to invest lump sums.
Stay Invested for Compounding: Avoid early redemptions to let compounding work fully.
Role of Regular Monitoring
Track Performance: Ensure funds are performing as per expectations.
Switch Funds if Needed: Shift from underperforming funds to high-growth options.
Final Insights
Deepak, achieving Rs. 7 crore in 4 years requires aggressive yet calculated strategies. Increase your SIPs, deploy lump sums, and focus on high-growth funds. Regular monitoring and disciplined investing are key to your success. Stay patient and consistent.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

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

Asked by Anonymous - Nov 20, 2024Hindi
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I am 50 yrs old. If I invest 60k per month for 10 yrs in SIPs of MF then will I be able to achieve the corpus of Rs. 2.50 Crs and if not how much shall I invest per month and in which SIP schemes
Ans: You have a clear goal to invest Rs. 60,000 per month for 10 years. The goal is to accumulate Rs. 2.5 crore through mutual fund SIPs. Let us analyse your query in detail and provide actionable insights.

Evaluating the Feasibility of Your Investment Plan
10-Year Time Frame:
Ten years is a medium-term horizon. Equity-based mutual funds offer good growth potential for this period.

Monthly SIP Contribution:
A SIP of Rs. 60,000 is significant. It shows your commitment to wealth creation.

Target Corpus Analysis:
The target of Rs. 2.5 crore depends on consistent returns. Market performance influences results.

Expected Returns:
Equity funds can give 10%-12% annualised returns in the long run. However, returns are not guaranteed.

Is Rs. 60,000 Sufficient?
Your current contribution may not be sufficient to reach Rs. 2.5 crore in 10 years.

For 10%-12% Returns:
You might accumulate Rs. 1.9–2.1 crore. There could be a shortfall of Rs. 40–60 lakh.

Solution:
Increase your SIP amount to Rs. 75,000–80,000 monthly for a better chance of achieving the goal.

Optimising Your SIP Contributions
Step-Up SIPs:
Increase your SIP amount by 5%-10% every year. This adjusts for inflation and higher earnings.

Lump Sum Boost:
If you have surplus funds, invest a lump sum. This accelerates your goal.

Diversify Investments:
Allocate across equity and hybrid funds for balanced growth and risk management.

Selecting the Right SIP Investments
Actively managed funds are suitable for your goals. Avoid index funds due to their limitations.

Equity Funds for Growth:
These funds have high growth potential over 10 years.

Diversified Portfolio:
Choose funds across large-cap, mid-cap, and multi-cap categories. This spreads risk effectively.

Hybrid Funds:
Hybrid funds provide stability by balancing equity and debt investments.

Avoiding Direct Funds
Investing through direct funds might seem cost-effective but has drawbacks.

Limited Guidance:
Direct funds lack professional advice. This could lead to suboptimal fund choices.

Benefits of Regular Plans:
A Certified Financial Planner ensures proper fund selection and portfolio review.

Managing Tax Implications
Understanding taxation helps optimise your returns.

Long-Term Gains:
LTCG above Rs. 1.25 lakh is taxed at 12.5%. Plan redemptions strategically.

Short-Term Gains:
STCG on equity is taxed at 20%. Avoid frequent withdrawals to minimise this tax.

Hybrid Funds Taxation:
Gains from hybrid funds are taxed as per your income slab.

Steps to Achieve Rs. 2.5 Crore
Increase SIP Amount:
Raise your SIP to Rs. 75,000–80,000 monthly.

Review Annually:
Monitor portfolio performance and adjust investments.

Use a Balanced Strategy:
Combine equity funds with hybrid funds to optimise risk and return.

Seek Professional Help:
Work with a Certified Financial Planner to refine your plan.

Final Insights
Your goal of Rs. 2.5 crore in 10 years is achievable with adjustments. Increase your SIP amount and maintain discipline. Diversify investments and periodically review the portfolio. A Certified Financial Planner can guide you for maximum efficiency and clarity.

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.

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