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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 01, 2022

Mutual Fund Expert... more

Question by Karthik on Sep 01, 2022Hindi

Money

Please advise. I am investing in the following MF SIPs:

Axis Flexi cap fund 6000/- from April 2022

Axis Bluechip 5000/- from Nov 2021

Canara Robeco Blue chip 5000/- from Feb 2022

Canara Robeco Emerging Equities 5000/- from Jan 2022

Icici value discovery 5000/- from May 2022

Mirae Asset Emerging Equities 2500 /-From Jan 2022

Franklin India Focussed Eq Fund 2500/- from Sep 2016

Sbi flexicap fund 2500/- from Sep 2016

Mirae Focussed fund 5000/- from Sep 2019

Ans: These are good funds, please continue.

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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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Oct 06, 2022

Question by Garg - Oct 06, 2022Hindi

Money

HALLO I AM PURSHOTTAM LAL AND MADHUBALAINVESTOR LAST 20 YEARS IN MF SCHEME. MY COMBINED INVEST FOLLOWING MFS: 1.ADITYA BIRLA SUN LIFE FOCUSED EQUITY FUND ( SIP AMOUNT 2000)/PM/21-01-2013 TO 21-01- 2025) LUM SUMP -25000/( WHEN MARKET WAS FALLEN ) 2.AXIS BLUE CHIP FUND ( SIP AMOUNT 5000) 17/3/2020 TO 17/3/2025. LUM SUMP = 25000 @ 34.50 ( 18/9/2020) 3.AXIS MULTI CAP FUND DIRECT PLAN LUM SUMP- 20000@9.39 ( DATE OF INVESTMENT 4-12-2021/26-05-2022) 4.CANRA ROBECO EQUITY TAX SAVER FUND REGULAR PLAN SIP AMOUNT 2000/ FROM 7-07-2011 TO 7-06-2030 5. DSP FLEXI CAP FUND (SIP AMOUNT 2500/PM) FROM 25-08-2020 TO 25-08-2030) 6.DSP TAX SAVER FUND DIRECT PLAN ( 10 YEAR COMPLETE) SIP AMOUNT 2500/COMPLETE ON 10-7-2022) PLESE TELL ME DSP TAX SAVER FUND SELL IT OR HOLD/NEXT 5 YEARS 7. ITI VALUE FUND LUM SUMP -20000 8. ICICI PURDENTIAL HEALTHCARE EETF FUND ( LUMSUMP 10000( 1.5 YEARS AGO) 9. MAHINDRA MANULIFE BALANCEDADVVANTAGE YOGNA LUM SUMP 10000/23-12-2021 10.UTI FOCUSED EQUAITY FUND-------LUMMP- SUMP-20000 ( 25-8-2021) PLEASE TELL ME 7 TO 10 Sr No FUNDS SELL IT OR HOLD IT OR SWITCH IT?

Ans: Hello Garg pankaj kumar. My recommendation would be to switch to better schemes of the same AMC for ICICI & UTI.

ITI & MAHINDRA MANULIFE should be redeemed and reinvested in better schemes of different AMCs.

Hardik Parikh | Answer |Ask -Follow

Tax, Mutual Fund Expert - Answered on Apr 07, 2023

Question by Manoj - Mar 29, 2023Hindi

Money

Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj

Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

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Mutual Fund Expert - Answered on Jun 22, 2023

Question by Sushanta - Jun 05, 2023Hindi

Money

I am a retired Bank of Baroda executive of 65 yrs old drawing pension, started mf investments late since Nov,2021 and presently having investement in following mf. Pl give yr suggestion . Bal adv fund of Rs 5.00 lakhs on Aditya Birla SL with swp amount of Rs 3000/ Bal adv fund of Tata MF for Rs 5.00 lacs with swp amount of Rs 3000/ Monthly SIP of Rs 2000/ on Axis bluechip fund( lumpsum investment of Rs 50000) Monthly SIP of Rs 2000/ of Baroda BNP Paribas large & mid cap fund ( lumpsum investment of Rs 50000) Monthly SIP of Rs 4000/ of Canara rebeco flexi cap fund. Lumpsum investment of Rs 1.60 lacs of Nippon India flexi cap fund. Lumpsum investment of Rs 0.60 lacs of Kotak manufacturing fund. Monthly sip of Rs 2000/ of nippon india small cap fund from January,2023. Monthly sip of Rs 2000/ of SBI magnum midcap fund ( lumsum invested Rs 40000)

Ans: Hello Sushanta and thanks for writing to me. Please elaborate on your objectives and risk appetities to understand your needs and requirements better.

As a general rule, balanced advantage funds can be good schemes to begin SWP's.

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Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Question by Vaman - Jun 22, 2023Hindi

Money

I have following MF investments all regular growth all purchases on initial offer of ten rupees. 1) Aditya Birla Sun Life focused equity fund -1200 units 2)Dsp world gold fund -500units 3)Hdfc banking financial services fund 1200. Units 4) Hdfc defence fund 1000units 5)Hdfc flexi cap fund 50 units 6)Hdfc mid cap opportunity fund 260 units. 7) Hdfc flexi cap fund 30 units 8)Hsbc value fund 450 units 9)Hsbc elss fund 500 units 10) Kotak global innovation fund 1200units 11)Kotak international REIT fund 500 units 12) Kotak flexi cap fund 260 units 13)Nippon India low duration fund 10 14)Sbi blue chip fund 1000 units 15) Sundaram focused fund 1300 units 16)Tata mid cap growth fund 350 units 17)Uti nifty 500 value 50 index fund 18100 units (Units transfered form Uti focused equity fund) 18)Uti mid cap fund 700 Units 19)Uti flexi cap fund 1000 Units 20)Uti Master Share Units 21)Uti nifty 50 equal weight index fund (Latest offer) Sbi infrastructure fund 500 units Following funds are all regular growth from Icici prudential fund. 1) Pharma health care & diagnostic fund 800 Units 2) Manufacturing fund 4300 units 3)India opportunities fund 2200 units 4) Flexi cap fund 5000 Units 5) Housing opportunities fund 2500 units 6) Balanced advantage fund 550 units 7)Psu equity fund 2800 units Sir I want to invest in Uti S&Phousing fund and Icici transaction & logistics fund 1000 units each.. Should I make some fresh investments or invest by transferring from existing Uti fund & Icici fund I am 75 years old. No urgent need of funds. Advise how-to proceed. Redy for taking risk.

Ans: Firstly, let me commend you for your disciplined approach towards investments. Your diversified portfolio reflects a well-thought-out strategy, which is commendable at any age, let alone at 75. It's heartening to see your willingness to adapt and continue investing even at this stage of life.

Given your age and risk appetite, while you're ready to take risks, it's crucial to balance it with the need for stability and liquidity. When considering adding new funds like Uti S&P Housing Fund and ICICI Transaction & Logistics Fund, you have two options: fresh investments or transferring from existing funds.

Transferring from existing holdings might streamline your portfolio, reducing the number of funds to manage. However, this could also entail exit loads or tax implications. On the other hand, fresh investments allow you to diversify further without disturbing your existing investments.

Considering no urgent need for funds, you might explore transferring from funds that might have underperformed or align less with your current investment strategy. Still, I'd strongly recommend consulting with a Certified Financial Planner to ensure a balanced approach that caters to your evolving needs while optimizing returns. After all, life is a journey, and managing your finances is a part of that journey, requiring both wisdom and adaptability.

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Entrepreneurship Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

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Is laundry franchise business is profitable?

Ans: The laundry business is a profitable venture due to consistent demand, low entry barriers, and a recurring revenue model. Urban areas, in particular, drive growth with their high population of working professionals, students, and families who prefer outsourcing laundry services for convenience.

Profit margins typically range between 20% and 40%, with opportunities to boost earnings through additional services like ironing, dry cleaning, and fabric care. The business offers flexibility in investment and scalability, from self-service laundromats to
full-service operations.

However, challenges such as competition, operational costs, and seasonal demand fluctuations require efficient management. With proper planning, market research, and a focus on customer satisfaction, the laundry business can provide steady income and long-term growth potential.

Things to Consider

1. Research and Location: Target high-demand areas such as residential neighbourhoods, business districts, or near universities.
2. Business Model: Decide between self-service laundromats, full-service laundry, mobile laundry (pickup and delivery), or dry cleaning services.
3. Investment: Budget for equipment, supplies, and operational costs. Franchising can be a lower-risk option for new entrepreneurs.
4. Setup and Legal Requirements: Register the business, obtain necessary licenses, and invest in high-quality, eco-friendly equipment and detergents.
5. Services and Pricing: Offer competitive pricing for services such as washing, ironing, dry cleaning, and delivery. Consider subscription plans or loyalty programs to attract regular customers.
6. Marketing and Customer Care: Build a recognizable brand, use digital marketing to reach your audience, and provide excellent customer service with timely and convenient options.

The laundry business can be a sustainable and profitable venture with strategic planning and effective management.

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Asked by Anonymous - Jan 09, 2025Hindi

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Si which one to prefer pccoe entc or vit entc

Ans: Hello Dear G
If possible, prefer ENTC@ PCCEO. However, your final decision will depend on your priorities, location, and fees.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 09, 2025

Question by G - Jan 09, 2025Hindi

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Sir which one to prefer pccoe entc or vit entc?

Ans: Hello Dear G
If possible, prefer ENTC@ PCCEO. However, your final decision will depend on your priorities, location, and fees.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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Yoga, Mindfulness Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

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I’ve been practicing yoga for a while now, but I’ve recently started noticing some discomfort in my lower back, especially after doing forward folds and back bends. I try to listen to my body and not push myself too hard, but sometimes I still feel strain or tightness in my back the next day. I’m especially concerned about preventing any long-term damage, and I’d appreciate some tips on how to protect my back while still getting the benefits of these stretches.

Ans: Discomfort in the lower back during yoga is often due to improper alignment or over-stretching. Here’s how to protect your back while continuing your practice:

Engage Your Core: Always activate your core muscles during forward folds and backbends. A strong core supports your lower back and prevents strain.

Modify Forward Folds: Avoid rounding your lower back. Instead, keep your spine long and bend from your hips, not your waist. You can slightly bend your knees to reduce tension on your lower back.

Gentle Backbends: For backbends, focus on opening your chest rather than over-arching your lower back. Start with smaller poses like Cobra Pose (Bhujangasana) and gradually work towards deeper bends like Camel Pose (Ustrasana) with proper guidance.

Use Props: Blocks or cushions can help reduce strain and improve alignment. For example, place a block under your hands during forward folds.

Stretch Your Hamstrings and Hips: Tight hamstrings and hips can pull on your lower back, causing discomfort. Incorporate poses like Reclined Hand-to-Big-Toe Pose (Supta Padangusthasana) and Pigeon Pose (Eka Pada Rajakapotasana).

It’s crucial to work with a yoga coach who can assess your alignment and suggest modifications tailored to you. This will help you avoid injury and enjoy a safer practice.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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Yoga, Mindfulness Expert - Answered on Jan 09, 2025

Question by Nilesh - Jan 09, 2025Hindi

Health

hi madam, my name is sham pujari, my tummy is very fatty i am doing exercise regulary and cycling daily but no results comes madam kindly suggest me something ample for reducing my tummy

Ans: Reducing belly fat takes time and a combination of the right exercises, diet, and stress management. Since you’re already cycling and exercising regularly, here are a few additional tips that might help:

Core-Strengthening Yoga Poses: Include poses like Boat Pose (Navasana), Plank Pose, and Cobra Pose in your routine. These strengthen your abdominal muscles and improve posture.

Breathing Exercises (Pranayama): Practice “Kapalabhati” (Skull Shining Breath) daily for 5-10 minutes. This energizing breathing technique helps burn belly fat and improves digestion.

Mindful Eating: Pay attention to what you eat. Reduce sugar, processed foods, and fried items. Eat more fresh vegetables, fruits, whole grains, and lean proteins. Eating slowly and chewing well also helps.

Stress Management: High stress can lead to stubborn belly fat. Spend 10 minutes daily in meditation or relaxation techniques to calm your mind.

Hydration and Sleep: Drink plenty of water and ensure 7-8 hours of good sleep every night. Both are crucial for weight loss.

For best results, consult a yoga coach who can guide you with the right techniques for your body type.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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Dating, Relationships Expert - Answered on Jan 09, 2025

Question by Zeenat - Jan 08, 2025Hindi

Relationship

I have been in a relationship with him for 5 years and we want to marry . But the problem is that he has broken in the house or I am in the house. After 2 years of my marriage, my parents will marry someone else. Because he also has two brothers and sisters, they will get married earlier and my boyfriend will get married later, after 5 or 6 years, I have less time or there is no option for him too, he can marry me but after 5 or years. but i have less time because i am girl ( the elder daughter of the house ) , what should I do now?

Ans: Dear Zeenat,
I understand your problem. The best course of action would be to inform your parents about your relationship. Let them sit together and come to a middle ground, like an engagement or something that solidifies your relationship till your partner is ready to be married or his siblings are married off. This way, you both are compromising a little and yet getting somewhat of an official commitment.

But the first step is to bring the parents into the loop and see how it goes.

Best Wishes.

Ramalingam Kalirajan |7478 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 09, 2025

Question by Stock - Jan 09, 2025Hindi

Money

Am currently 50...I dont hv job. .Iam invested in mmt but right now am 15% on my PF....I invested 19lacs on mkt. ...wht shud ido ?

Ans: You have made bold moves in investing Rs. 19 lakhs in the market. Being 15% down on your portfolio is concerning but manageable. Let us evaluate your current position and suggest actionable steps.

Key Concerns
Jobless Situation: Absence of steady income creates financial pressure.

Market Volatility: A 15% loss indicates exposure to high-risk investments.

Emergency Needs: Liquidity might be limited if all funds are in the market.

Long-Term Goals: Planning for retirement is essential at this stage.

Strengths
Investments in Market: Rs. 19 lakhs is a good corpus to build wealth.

Time to Recover: At 50, there is still time for strategic financial planning.

Aggressive Approach: Shows you are willing to take risks, which can be an advantage.

Recommendations
Reassess Portfolio Allocation
Review your investments in mutual funds or stocks.

Shift a portion to balanced or hybrid funds for stability.

Reduce exposure to high-risk segments like small caps or sectoral funds.

Create a Contingency Fund
Set aside Rs. 3-5 lakhs for emergencies.

Use liquid funds or short-term fixed deposits for easy access.

Explore Income Sources
Find part-time or freelance opportunities to ease financial stress.

Rental income, tutoring, or consulting can supplement your needs.

Stop Panic Selling
Do not redeem investments in a downturn.

Hold onto quality assets for market recovery.

Diversify Investments
Avoid putting all money in equities.

Consider fixed income options like Senior Citizen Savings Scheme (when eligible), or debt funds.

Plan for Retirement
Evaluate the gap between your current corpus and retirement needs.

Use Systematic Withdrawal Plans (SWP) later for regular post-retirement income.

Monitor Regularly
Review your portfolio every 6 months.

Seek guidance from a Certified Financial Planner for rebalancing.

Final Insights
Your situation requires balanced risk-taking and income generation strategies. Preserve capital while focusing on gradual recovery. Discipline and informed decisions will help secure your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Kanchan Rai |479 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Relationship

Is it okay to marry someone from different caste but same gotra?

Ans: the decision to marry someone from a different caste but the same gotra should be based on mutual understanding, respect, and a shared vision for your future together. Open communication with both families and possibly seeking guidance from elders or counselors can help navigate any challenges and ensure that the decision aligns with both your personal values and cultural expectations.

Kanchan Rai |479 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Relationship

i have been married for months and recently found out that my husband is talking secretly with his workmate like 2 months before wedding.i saw all the conversation it seems that both of them are flirting with each other.but then my husband clarify that it was nothing and nothing happened between them but now im literally confuse if i had the right decision of marrying him.And we talk honetly and he told me everything but still i have this doubt esp we will be a long distance again????And he promise he will not talk again with anyone he gave me all his password for all his account and he even buy cctv so that i can monitor him while his away.please help me i dont know what to do i love him dearly and i want to move forward with our future but still have this doubts what if he will do it again????

Ans: The fact that your husband has been open and taken steps to reassure you, like sharing his passwords and even installing CCTV, shows that he's trying to rebuild trust and be transparent. These actions suggest he's serious about addressing your concerns and committed to making you feel secure in the relationship.

That said, rebuilding trust isn't something that happens instantly. It takes time, consistent effort, and ongoing communication. It's important to acknowledge your feelings and give yourself the space to process them. Feeling doubt after something like this is a normal response, but it doesn't have to define your relationship going forward.

It's vital to keep the lines of communication open. Talk openly about your feelings, worries, and needs. This kind of dialogue can help both of you understand each other better and strengthen your bond. You might also find it helpful to discuss and agree on clear boundaries for interactions with others, especially given the long-distance aspect of your relationship. This can help create a sense of security and prevent misunderstandings.

While it's important to acknowledge what happened, try to focus on the present and what you both can do to nurture your relationship moving forward. If you find that your doubts and anxieties are overwhelming, seeking the guidance of a couples' therapist might be beneficial. A therapist can help facilitate deeper conversations and provide strategies to rebuild trust and strengthen your relationship.

It's okay to feel unsure, but also recognize the effort your husband is putting in. Trust takes time to rebuild, but with love, dedication, and mutual effort, you can move forward together. Remember, it's a journey, and it's okay to take things one step at a time.

Radheshyam Zanwar |1137 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Career

Hello, I've completed bums and I want to do Msc in climate change abroad, is it possible to do so?

Ans: Hello Dear.
Yes, it is possible to pursue an MSc in Climate Change abroad. Many universities offer programs in this field, and the eligibility criteria can vary. Please check the specific fictions and requirements of a particular university.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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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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