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Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 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
Ajay Question by Ajay on Jun 20, 2024Hindi
Money

Hi, I am 55 and plan to work till 60, I have approx 30 lakhs in FD's, 30 lakhs in MF , around 8-9 lakhs in NPS/PPF , also approx 5 lakh in my PF account. Both me and my wife are working and together earning 1.5 lakh per month. Pls guide if at this age I should further invest in MF ( Equities) . I have 1 Son who is in Canada and probable post retirement plan to shift. Kindly guide

Ans: Planning for retirement is a crucial step, and it's commendable that you’re thinking ahead. With five years left until retirement and aspirations to move to Canada post-retirement, it's essential to create a well-rounded financial plan. Let’s dive into your current situation and see how best to navigate the next few years.

Assessing Your Current Financial Situation
You and your wife earn a combined monthly income of Rs 1.5 lakh. You have accumulated:

Rs 30 lakhs in fixed deposits (FDs)
Rs 30 lakhs in mutual funds (MFs)
Rs 8-9 lakhs in NPS/PPF
Rs 5 lakhs in PF account
These are solid savings, and they provide a good foundation for your retirement planning.

Fixed Deposits: Stability and Safety
Your Rs 30 lakhs in fixed deposits offer stability and guaranteed returns, which is excellent for preserving capital. However, FD returns might not outpace inflation, affecting your purchasing power over time.

Recommendation: Continue to hold FDs for safety and liquidity. They can be your emergency fund or short-term goal reserves.
Mutual Funds: Growth and Diversification
Your Rs 30 lakhs in mutual funds is a great move for growth. Mutual funds provide diversification and potential for higher returns compared to FDs. Given your current age, it's vital to balance between equity and debt funds to manage risk.

Actively Managed Mutual Funds
Actively managed mutual funds could be beneficial. Unlike index funds, these funds are managed by professionals aiming to outperform market benchmarks.

Benefits: Professional management, potential for higher returns, flexibility to adjust to market conditions.

Diversification: Spread investments across large-cap, mid-cap, and small-cap funds for balanced risk and return.

Systematic Investment Plans (SIPs)
Continuing SIPs in mutual funds can be a disciplined way to invest regularly and benefit from rupee cost averaging.

Advantages: Mitigates market volatility, consistent investment approach, and potential for long-term growth.
NPS/PPF: Secure and Tax-Efficient
Your Rs 8-9 lakhs in NPS and PPF are good for secure, tax-efficient savings. NPS offers a mix of equity and debt, providing a balanced growth approach, while PPF offers fixed returns with tax benefits.

Recommendation: Continue contributing to NPS for long-term growth and PPF for guaranteed returns and tax benefits.
Provident Fund (PF): Retirement Corpus
Your Rs 5 lakhs in the PF account is part of your retirement corpus, offering guaranteed returns and tax benefits.

Recommendation: Maintain your PF account and ensure you don't withdraw prematurely to maximize benefits.
Evaluating Additional Investments in Mutual Funds (Equities)
At 55, you’re at a stage where you need to balance growth and capital preservation. Investing more in equities can offer growth, but it also comes with higher risk. Here’s how to proceed:

Assessing Risk Tolerance
Understanding your risk tolerance is crucial. At this stage, a balanced approach between equity and debt is advisable.

Moderate Risk Approach: Allocate a higher proportion to debt funds and a moderate amount to equity funds.
Benefits of Investing in Mutual Funds Through MFD with CFP Credential
Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential can offer several advantages:

Professional Guidance: Access to expert advice and tailored investment strategies.

Regular Monitoring: Ongoing portfolio management and adjustments based on market conditions.

Holistic Financial Planning: Comprehensive financial planning to align investments with your retirement goals.

Planning for Relocation to Canada
Relocating to Canada post-retirement is a significant decision that requires thorough financial planning. Here are key considerations:

Understanding Cost of Living
Research and understand the cost of living in Canada, including housing, healthcare, and daily expenses. This will help in estimating the retirement corpus needed.

Cost Consideration: Living expenses in Canada can be higher compared to India. Plan accordingly for a comfortable lifestyle.
Currency Exchange and Financial Transfers
Managing currency exchange rates and financial transfers between India and Canada is crucial to avoid potential losses.

Exchange Rates: Keep an eye on exchange rates and plan transfers to optimize value.

Financial Transfers: Use reliable financial institutions for transferring funds to minimize costs and ensure security.

Ensuring Adequate Insurance Coverage
Healthcare in Canada is different, and ensuring adequate health insurance coverage is essential.

Health Insurance
Evaluate your health insurance needs and ensure you have comprehensive coverage, including international coverage if needed.

International Coverage: Check if your current health insurance provides coverage in Canada. If not, consider additional international health insurance.
Building a Retirement Corpus
Creating a retirement corpus that can sustain you in Canada is crucial. Here’s a strategy to build and manage your corpus effectively:

Systematic Withdrawal Plans (SWPs)
SWPs from mutual funds can provide a regular income stream during retirement, ensuring a steady cash flow.

Regular Income: SWPs offer a fixed monthly income while keeping your capital invested and growing.
Dividend-Paying Stocks and Funds
Investing in dividend-paying stocks and mutual funds can provide regular income through dividends, supplementing your retirement corpus.

Stable Income: Dividends offer a steady income stream, which is especially beneficial during retirement.
Managing Post-Retirement Income
Ensuring a steady income post-retirement is crucial. Here are a few strategies:

Income from Investments
Diversify your investments to generate income through various sources like mutual funds, stocks, and fixed deposits.

Diversified Income: Multiple income streams reduce risk and ensure financial stability.
Tax Planning
Effective tax planning can help you maximize your post-retirement income and reduce tax liability.

Tax-Efficient Withdrawals: Plan withdrawals in a tax-efficient manner to minimize tax impact.
Inflation Protection
Protecting your retirement corpus from inflation is essential to maintain your purchasing power.

Equity Investments
Equity investments typically offer returns that outpace inflation, making them a good choice for long-term growth.

Inflation Hedge: Equities provide a hedge against inflation, ensuring your corpus retains its value.
Final Insights
Planning for retirement at 60 with the intention to move to Canada requires a balanced and strategic approach. Your current savings, including Rs 30 lakhs in FDs, Rs 30 lakhs in mutual funds, Rs 8-9 lakhs in NPS/PPF, and Rs 5 lakhs in PF, provide a strong foundation.

Focus on maintaining a balance between growth and capital preservation. Actively managed mutual funds and SIPs can offer growth, while NPS, PPF, and FDs provide stability and tax benefits. Investing through a CFP can enhance your portfolio management and financial planning.

Ensure you have adequate insurance coverage, including health insurance, for your time in Canada. Plan for currency exchange and financial transfers to manage your funds efficiently.

Building a retirement corpus that sustains your lifestyle in Canada requires careful planning and diversification of income streams. Systematic withdrawal plans, dividend-paying stocks, and mutual funds can provide regular income.

Protect your corpus from inflation through equity investments and effective tax planning to maximize your post-retirement income.

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  |6995 Answers  |Ask -

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

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Hello Sir im turning 36 this Dec...Im not very old in MF investment however looking forward to being consistant...I want to build up a corpas of 50 lakh by age of 40..my invest as per below... Quant/kotak/axis small cap direct growth- 10K each/month(9 month old) parag parikh ELSS tax saver- 2K/month(12 month old) mirae asset ELSS tax saver-2.5K/month(3 year old) quant ELSS tax saver-3K/month(16 month old) Kotak ELSS tax saver-2K/month(16 month old) SBI PSU direct plan-3K/month( 1 month) Aditya birla sunlife PSU equity fund- 5K/month(1 month) need your expertise if I need to change funds...these are combined investment by me & my wife..TAX saver are required to avoid tax liability under 80C..aprat from this Im investing 40K/year in PPF valued 1lakh(3 year old)
Ans: It's great to see your commitment to building your investment portfolio. Let's review your current mutual fund investments and see if any adjustments are needed to align with your goal of accumulating a corpus of ?50 lakhs by the age of 40.
Your current allocation seems well-diversified across various mutual fund categories, including small-cap funds, ELSS tax savers, and sector-specific funds like SBI PSU and Aditya Birla Sunlife PSU equity funds. However, there are a few points to consider:
1. Small-Cap Funds: Investing in small-cap funds can offer high growth potential but comes with increased risk due to market volatility. Since you're relatively new to mutual fund investments, ensure you have a high risk tolerance and a long-term investment horizon for these funds.
2. ELSS Tax Saver Funds: It's wise to continue investing in ELSS funds to avail tax benefits under Section 80C. However, having multiple ELSS funds may lead to duplication of holdings and increase complexity without significantly diversifying your portfolio. Consider consolidating your ELSS investments into one or two funds with a proven track record and consistent performance.
3. Sector-Specific Funds: Funds like SBI PSU and Aditya Birla Sunlife PSU equity focus on specific sectors, which can be volatile and dependent on sectoral performance. While they offer the potential for high returns, they also carry higher risk. Ensure these funds complement your overall portfolio strategy and are not over-concentrated in a single sector.
4. PPF Investment: Investing in PPF is a good strategy for long-term wealth accumulation and tax-saving. However, keep in mind that PPF has a lock-in period of 15 years, so ensure it aligns with your liquidity needs and investment goals.
Considering the above points, here are some suggestions:
• Evaluate the performance of your existing funds and consider consolidating your ELSS investments into one or two funds with strong fundamentals and consistent performance.
• Monitor the performance of small-cap funds closely due to their higher volatility and consider rebalancing your portfolio if needed.
• Review your sector-specific fund investments periodically and ensure they align with your risk tolerance and investment objectives.
Lastly, it's essential to regularly review your investment portfolio and make adjustments as needed to stay on track towards your financial goals.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

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

Asked by Anonymous - Nov 08, 2024Hindi
Money
Iam under debt of Rs 10lac and my salary is 23k per month. How to come out from debt and i need to get debt free. So, please guide me.
Ans: Being in debt can be overwhelming, especially on a limited monthly income. But with disciplined planning and commitment, you can gradually achieve financial freedom. Here’s a detailed guide to help you pay off your Rs 10 lakh debt and build a stable financial foundation.

Step 1: Calculate Your Monthly Expenses and Set a Budget
Start by understanding your cash flow. Track every expense to get a clear picture of your spending.

Essential Expenses: These include rent, food, utilities, and any other basic needs.

Discretionary Expenses: Cut back on non-essentials like dining out, entertainment, and shopping.

Savings and Debt Repayment: Dedicate any amount left after essential expenses towards debt repayment.

Tip: Keep a written budget or use a mobile app to monitor your expenses. Reducing discretionary spending will help increase the amount available for debt repayment.

Step 2: Increase Income if Possible
Boosting income, even slightly, can significantly accelerate debt repayment. Here are some ideas:

Freelance or Part-Time Work: If possible, look for freelance work in areas you’re skilled in, like writing, tutoring, graphic design, or programming.

Overtime or Extra Shifts: If your employer offers overtime, consider taking it on to increase your income.

Sell Unwanted Items: Sell items you no longer need, such as electronics, clothes, or furniture, to generate additional cash.

Increasing your income, even temporarily, can help you pay off your debt faster.

Step 3: Create a Debt Repayment Plan
List all your debts, including outstanding amounts, interest rates, and due dates. Here are two strategies for paying them off:

Snowball Method: Pay off smaller debts first to gain momentum, then tackle larger ones. This provides psychological motivation by clearing debts faster.

Avalanche Method: Focus on debts with the highest interest rates first. This method saves more on interest in the long term.

Choose the strategy that suits you best and start making extra payments each month.

Step 4: Prioritize High-Interest Loans and EMI Payments
Debt with higher interest can escalate quickly, so prioritize clearing them first. Some common examples include:

Credit Card Debt: If part of your debt is on credit cards, try to pay it down as quickly as possible. Credit card interest rates are often the highest.

Personal Loans: If your Rs 10 lakh debt includes high-interest loans, prioritize these over lower-interest obligations.

Contact your creditors to explore if they can reduce your interest rate temporarily. Any reduction helps ease the debt burden.

Step 5: Consider Debt Consolidation Options
Debt consolidation combines multiple loans into a single, lower-interest loan, making it easier to manage. Options include:

Personal Loans: Look for a lower-interest personal loan to pay off existing debts. This can reduce the overall interest burden.

Balance Transfer: If a major portion of your debt is on a credit card, look for a card offering a low or zero-interest balance transfer option.

Be cautious of fees associated with consolidation options and make sure to do thorough research. Consolidation can simplify payments and potentially save you money on interest.

Step 6: Start a Small Emergency Fund
While repaying debt is crucial, having a small emergency fund (around Rs 5,000–Rs 10,000) can help you avoid additional debt. This fund is for unexpected expenses like medical emergencies or car repairs.

Building a small emergency cushion ensures you don’t rely on credit if unplanned expenses arise. Once your debt is cleared, you can gradually build a larger emergency fund.

Step 7: Avoid Taking on New Debt
Avoid credit cards, loans, or any new debt until you’ve repaid the current amount. New debt will delay your goal of becoming debt-free.

Instead of borrowing, prioritize saving for any purchases. Practicing patience with spending decisions will help prevent additional debt.

Step 8: Automate and Regularize Payments
Set up automated payments for your debt EMIs and monthly bills. Automation helps prevent missed payments, which can incur penalties and hurt your credit score.

If automated payments aren’t possible, set reminders to ensure timely payments.

Step 9: Track Progress and Stay Motivated
Track your progress each month and celebrate small wins, such as reaching specific milestones in debt reduction.

Seeing your debt balance decrease, even gradually, can keep you motivated.

Step 10: Seek Professional Guidance If Needed
If you feel overwhelmed, consider seeking guidance from a Certified Financial Planner (CFP). They can help you devise a structured plan tailored to your specific financial situation.

A CFP can also provide personalized advice on managing and reducing debt efficiently.

Finally
Your determination to achieve a debt-free life is commendable. By following these steps and staying disciplined, you’ll gradually pay off your debt and move toward financial freedom. Remember, small steps today will lead to a financially secure tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

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

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Money
Dear sir/Ma'am, I want to invest long term mutual fund for my daughter marriage. She is now 15 years old and i want to invest for 10 years, please advised me which mutual fund best for me. My monthly investment amount is Rs. 5000.00/- please reply soon as soon possible.
Ans: Investing for your daughter's marriage is a thoughtful goal. With 10 years to grow your investment, mutual funds offer a practical approach to help achieve this objective. A disciplined investment of Rs 5000 per month can build a substantial corpus over time. Here’s a comprehensive guide to structuring this investment for long-term success.

Choosing the Right Type of Mutual Funds
For a 10-year horizon, equity mutual funds are suitable. They have the potential for higher returns over time. Considering a diversified mix of equity categories could balance growth with stability.

Equity-Oriented Funds: With their higher growth potential, equity funds can be ideal for long-term goals like marriage. Large-cap funds or diversified equity funds with a mix of large- and mid-cap investments can provide relative stability.

Balanced or Hybrid Funds: These funds allocate a portion to both equity and debt. This approach reduces risk while still capturing growth. Hybrid funds could be a good option to add stability.

Avoid Index Funds: While index funds are popular, they lack flexibility in managing market changes. Actively managed funds, however, allow fund managers to navigate market fluctuations, potentially offering higher returns.

Benefits of Regular Funds vs. Direct Funds
When considering direct funds, you miss out on expert guidance, which is vital for long-term investments. Regular funds through a Certified Financial Planner (CFP) ensure you get continuous support, fund reviews, and performance tracking. They help rebalance your portfolio when required, maximizing your returns and managing risks effectively.

SIP (Systematic Investment Plan) for Steady Growth
Setting up a monthly SIP of Rs 5000 is a practical approach. SIPs allow you to invest consistently, regardless of market highs and lows, which averages out costs over time. This approach, known as “rupee cost averaging,” helps reduce the impact of volatility.

Tax Implications on Mutual Fund Investments
Understanding tax rules on mutual funds is important.

Equity Mutual Funds: Gains above Rs 1.25 lakh attract a 12.5% tax on Long-Term Capital Gains (LTCG). Short-Term Capital Gains (STCG) are taxed at 20%.

Debt Mutual Funds: Both STCG and LTCG are taxed based on your income tax slab.

These tax rates are subject to change, so it’s crucial to monitor tax policies periodically. You may consult a tax advisor for updates and efficient tax planning.

Key Investment Tips to Reach Your Goal
Consistency: Stay disciplined with your SIPs to leverage compounding. Missing contributions can reduce the growth potential.

Regular Monitoring: Review fund performance at least once a year. This ensures the selected funds are meeting your expectations and objectives.

Professional Guidance: Consult a CFP periodically to align your investments with your financial plan. They can advise on any required adjustments to optimize your portfolio.

Adjusting for Inflation and Goal Cost
Over time, inflation will impact the cost of your daughter’s marriage. Your CFP can help you estimate the future value and adjust your SIP amount if needed. Gradually increasing the SIP amount can help you meet the target despite inflation.

Final Insights
Your commitment to this goal is commendable. By selecting the right mix of funds, maintaining discipline with SIPs, and staying informed on tax and fund performance, you’ll be well on your way to achieving the desired corpus for your daughter’s marriage.

Invest with confidence, plan regularly, and stay on track toward building a secure financial future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Radheshyam

Radheshyam Zanwar  |1033 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 08, 2024Hindi
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Career
Hello! I am looking to change my career. Currently, I work as a DTP Operator and Graphic Designer in my maternal uncle's offsset printing press business. My father passed away 8 years ago, so my maternal uncle has taken on the responsibility of me, my mother, and my brother. I have been working under them for the past 5 years as a favor of them. However, there has been no financial growth or development in my current position. But maternal uncle asks me to continue to work with them as their childrens are out of their Offset Printing profession. So they expect me to handle the business in future. But this will not happen. Also I'm not sure of the future scope of Offset Printing Press profession due to digitization. Though my mind is telling me to change profession, as of my financial condtion is weak I would have to start again from zero. I am feeling unsure about what to do?
Ans: Hello.
Presently you are working as a DTP operator and Graphic Designer with your uncle. It seems that due to financial problems, your uncle might be taking undue advantage of your situation and taking it granted that you must work for him and his printing press as a bull for 24x7. You said, your uncle's children are not interested in running the printing press. Hence he is expecting to handle the business in the future. I think this is a golden time to negotiate with your uncle from a business point of view and put some terms and conditions in front of him. You must overtake the printing press fully in your control and share some part of the profit with him. Remember, you are young, have solid experience of 5 years and the most important thing is that, your uncle is not dependent on you only. This makes the situation in your favor. If your uncle is not ready to hand over the printing press business to you, then you have an option to search for another job and tell your uncle also in this regard. I can fairly say, your uncle will not think to lose you under any condition. In life, nothing is impossible, With the hands-on experience of 5 years, you may job in an advertising company and a reputed publishing house. Related to your insecurity feeling, even though you are working with your uncle, you are feeling insecure. Hence either force your uncle to accept your terms and conditions or leave him without any hesitation. Try with new people, new organizations, and new opportunities. A little change will make a big change in your life.
Best of luck for your bright future.

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

Radheshyam

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Ravi

Ravi Mittal  |403 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024
Relationship
I (27M) am well Educated & well settled in a High-paying Job. Tall, Handsome & Fit. I am a Sociable & Outgoing person, but I never had a Girlfriend because I believe in having an Arranged Marriage with a Girl from the same Community, who's Family background is known to Parents. I strongly believe in abstaining from any kind of Sexual Intimacy until I get Married, due to my Personal, Moral, Ethical, Emotional as well as Religious & Socio-cultural Values. I'd want to experience even my First Kiss, only after getting Married to my Life Partner. And obviously, I expect my Future Life Partner also to Share similar Values. I cannot settle for Marriage with a Girl who had Pre-marital Sex (or even Kissed) anyone else in a Romantic Relationship, prior to Marriage. I would Reject such a Girl, however Beautiful, Well-Educated & Well-Earning she might be (all other Qualities being Subjective). Now, my Family has started looking up suitable Brides for me, within my Community. The Problem is that most Girls of our Community, in this Generation, are Well Educated & Financially Independent, staying in Cities, away from Parents & most of them, probably had Romantic Relationship(s) & experienced Physical Intimacy, at any Base Level. I know this by closely observing & discussing with many Girls of my Community (including my Female Cousins, Female Friends & Neighbours etc). They all are ridiculing me for my Preferences & advising me to forsake my Values, as they are Outdated in this Age. Now, I am Worried that I might never get to Marry a Girl who shares my Values. My greatest Fear is not ending up Unmarried, but getting Married to a Woman who lies about her Past (I consider it as Cheating). Can you please advise me on, how can I be absolutely Sure that a Girl is an Un-Kissed Virgin? How do I bring up this topic with any Girl before Marriage & ask her, without coming off as Creepy? How can I be Sure whether the Girl is being absolutely Honest about her Past or not? What are some other ways to find out about the Past of a Girl, apart from having an open conversation with herself? Please advise me regarding this, my Heart is not letting me foresake my Values, which are my Core Principles. I am willing to compromise on some other Qualities i.e., I'd happily settle down with a Girl who's Below Average in terms of Looks, Education & even Unemployed, as long as I can be Sure that she's an Un-Kissed Virgin. How can I be absolutely Sure of that?
Ans: Dear Anonymous,
You don't have to forsake your values based on others' opinions of it. If it makes you happy, you should stick to it. Having said that, you cannot force the same values on others. I understand you want a partner who has a similar mindset. The only way to get what you want is an open conversation- when you speak to a match, you can open up about your outlook and clear it from your end that you want the exact same values in your partner and politely request them to reject the alliance if she has any past relationships or has been intimate with anyone in any form. Let her know that you are not judging her, but this part is very important for you. Make it about yourself, because it is. Do not let the woman feel that there is some flaw in her, or start investigating her past.

Now, coming to your other query, how to be absolutely sure that she is telling the truth about her experiences- there is no such technique. You have to trust her. Moreover, you should understand that as much as you believe your values are important, trust in your partner is equally important in having a healthy and happy relationship. While you work on finding the partner of your choice, work on having a little more faith in people.
Hope this helps.

Best Wishes

...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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