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Ramalingam

Ramalingam Kalirajan  |7099 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 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
Kamal Question by Kamal on Apr 12, 2024Hindi
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My age is 50 years old I want to invest Rs. 5000/- per month SIP for 5 to 10 years period. Please suggest SIP plan in which I should invest.

Ans: Given your investment horizon of 5 to 10 years and your age of 50, it's important to choose SIPs that balance growth potential with risk management. Here's a diversified portfolio suggestion:

Large Cap Equity Fund: Invest 40-50% of your SIP amount in a reputable large-cap equity fund. Large-cap funds offer stability and moderate growth potential. Look for funds with a consistent track record and low expense ratio.

Flexi Cap Equity Fund: Allocate 30-40% of your SIP amount to a flexi-cap equity fund. These funds have the flexibility to invest across market capitalizations, providing exposure to different segments of the market. Choose a fund with a seasoned fund manager and a disciplined investment approach.

Balanced Advantage Fund: Allocate the remaining 10-20% of your SIP amount to a balanced advantage fund. These funds dynamically manage equity and debt allocations based on market conditions, offering downside protection during market downturns. Look for a fund with a proven track record of managing volatility.

Debt Fund (Optional): If you prefer lower risk, you can consider allocating a small portion of your SIP amount to a debt fund. Debt funds provide stable returns with lower volatility compared to equity funds. Choose a fund with a suitable duration and credit quality based on your risk tolerance.

Ensure to review your portfolio periodically and make adjustments as needed based on changes in your financial situation and market conditions. Consider consulting with a financial advisor for personalized recommendations tailored to your goals and risk profile.
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  |7099 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 01, 2024

Asked by Anonymous - Mar 20, 2024Hindi
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Kindly advise 5 SIP plan for long term investment like 15 to 20 years approx 30k per month
Ans: Investing in SIPs (Systematic Investment Plans) is a great way to accumulate wealth over the long term. Here's a diversified SIP portfolio tailored for a long-term investment horizon of 15 to 20 years with an approximate monthly investment of 30,000 rupees:

Large Cap Fund: Invest 6,000 rupees per month


Objective: Invests predominantly in large-cap stocks with a track record of consistent growth and stability.
Rationale: Large-cap stocks tend to be less volatile and offer stability to the portfolio, making them suitable for long-term wealth creation.
Multi-Cap Fund: Invest 6,000 rupees per month


Objective: Invests across large-cap, mid-cap, and small-cap stocks to capitalize on diverse opportunities in the Indian equity market.
Rationale: Multi-cap funds offer flexibility to invest in companies across market capitalizations, providing potential for higher returns while managing risk effectively.
Mid Cap Fund: Invest 6,000 rupees per month


Objective: Focuses on investing in mid-cap companies with strong growth potential and the ability to outperform over the long term.
Rationale: Mid-cap stocks have the potential for significant capital appreciation, making them suitable for investors with a long-term investment horizon.
Small Cap Fund: Invest 6,000 rupees per month


Objective: Invests in small-cap companies with the potential for high growth but higher risk.
Rationale: Small-cap stocks offer the potential for substantial wealth creation over the long term, albeit with higher volatility. They can be rewarding for patient investors willing to withstand market fluctuations.
Balanced Advantage Fund: Invest 6,000 rupees per month


Objective: Maintains a dynamic asset allocation strategy between equity and debt instruments based on market valuations, aiming to provide stability and growth.
Rationale: Balanced advantage funds offer downside protection during market downturns while capturing upside potential during market upswings. They provide a balanced approach to long-term wealth creation with reduced volatility.
Before investing, consider your risk tolerance, investment goals, and financial situation. It's advisable to consult with a financial advisor to tailor the investment plan to your specific needs and circumstances. Additionally, regularly review your portfolio and make adjustments as needed to stay on track towards your long-term financial goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |7099 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 16, 2024Hindi
Money
Hi I am 44 year old & want to invest in SIP @ amount Rs.5000/- per month for 15 yrs. Please suggest some SIP which is good for long term return.
Ans: Investing in a Systematic Investment Plan (SIP) is a wise decision for securing your financial future. At 44 years old, you have a 15-year horizon for your SIP investment of Rs. 5000 per month. This long-term approach can yield significant returns due to the power of compounding. Let's explore how you can optimize your SIP investment strategy.

Genuine Compliments and Understanding
Your decision to invest regularly and plan for the long-term is commendable. It's never too late to start, and your foresight will benefit you greatly in the years to come.

Understanding SIPs and Their Benefits
What is a SIP?
A SIP allows you to invest a fixed amount regularly in a mutual fund scheme. This methodical investment helps in building wealth over time without the stress of market volatility.

Benefits of SIPs
Rupee Cost Averaging: SIPs reduce the risk of market volatility by averaging the cost of your investments over time.
Power of Compounding: Regular investments grow exponentially due to compounding, especially over a long period.
Financial Discipline: SIPs inculcate a habit of regular saving and investing.
Evaluating Your Financial Goals
Long-Term Goals
Your primary goal is to achieve a substantial corpus after 15 years. This corpus can serve various purposes such as retirement, children's education, or other financial aspirations.

Selecting the Right Mutual Funds for SIP
Equity Mutual Funds
Equity mutual funds are suitable for long-term investments due to their potential for higher returns. These funds invest in stocks of companies, aiming for capital appreciation.

Types of Equity Funds
Large-Cap Funds: Invest in large, established companies with a stable performance history.
Mid-Cap Funds: Invest in medium-sized companies with high growth potential but slightly higher risk.
Small-Cap Funds: Invest in smaller companies that can offer high returns but come with higher risk.
Multi-Cap Funds: Invest in companies of all sizes, providing a balanced approach to risk and return.
Actively Managed Funds vs. Index Funds
Disadvantages of Index Funds
Index funds track a specific index and offer average returns matching the index performance. They lack the flexibility to adapt to market changes.

Advantages of Actively Managed Funds
Actively managed funds, guided by professional fund managers, aim to outperform the market. Fund managers make strategic decisions based on market analysis, potentially offering higher returns.

Importance of Professional Guidance
Consulting a Certified Financial Planner
A Certified Financial Planner (CFP) can provide personalized advice tailored to your financial goals and risk tolerance. They help in selecting the right mix of funds to optimize your investment portfolio.

Diversification for Risk Management
Diversified Portfolio
Diversifying your investments across various types of equity funds mitigates risk. A well-diversified portfolio balances potential high returns with the stability of safer investments.

Systematic Withdrawal Plan (SWP) for Future Stability
As you approach your financial goals, consider a Systematic Withdrawal Plan (SWP) to withdraw your investments in a structured manner. This ensures a steady income stream without depleting your corpus rapidly.

Monitoring and Adjusting Your Investment
Regular Review
Periodically review your investment portfolio to ensure it aligns with your goals. Market conditions and personal financial situations change, and your investment strategy should adapt accordingly.

Rebalancing
Rebalance your portfolio if certain funds significantly outperform or underperform. This maintains the desired asset allocation and risk level.

Tax Efficiency
Tax Planning
Effective tax planning enhances your returns. Equity mutual funds held for more than a year qualify for long-term capital gains tax, which is lower than short-term gains tax.

Emergency Fund and Insurance
Maintaining an Emergency Fund
Ensure you have an emergency fund equivalent to 6-12 months of expenses. This safeguards against unforeseen financial needs without disturbing your investments.

Adequate Insurance Coverage
Having adequate health and life insurance protects your financial plan. Insurance coverage ensures that unexpected medical expenses or unfortunate events do not derail your financial goals.

Conclusion
Your decision to invest Rs. 5000 per month in SIPs for 15 years is a strategic move towards financial security. By selecting the right equity mutual funds and diversifying your portfolio, you can achieve substantial returns. Regular monitoring, tax planning, and professional guidance will further enhance your investment strategy.

Your commitment to investing for the long-term is commendable. With careful planning and disciplined execution, you can achieve your financial aspirations and secure a stable future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7099 Answers  |Ask -

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

Asked by Anonymous - Oct 20, 2024Hindi
Money
I am 34 years old, planning to resign my job after 10 years, want to invest 20000/month in sip, so that i will a get a good amount after 10 yrs, pls suggest which SIP s i need to choose
Ans: At 34 years old, planning for a 10-year investment horizon is a smart move. Resigning from your job after 10 years means you will need a strong corpus to support your financial needs. Investing Rs. 20,000 per month in SIPs is a solid step, but choosing the right mix of funds is crucial for growth, stability, and capital preservation over the long term.

Let’s go through some strategies that can help you reach your goals. I will also provide insights into SIP selections that suit your situation.

Asset Allocation Strategy
Your investments should be balanced between equity and debt to ensure a steady growth rate while managing risk. Given your 10-year horizon, the majority of your SIPs can be focused on equity mutual funds.

Here’s how you can think about the allocation:

Equity Mutual Funds (70%): These funds can give you high returns over the long term. However, they come with risk, so diversification is essential. Investing in a mix of large-cap, mid-cap, and small-cap funds will give you exposure to different sectors of the market.

Debt Funds (30%): Debt mutual funds offer stability and safety for your investment. They can act as a cushion during market volatility.

This mix will give you a blend of growth and risk management.

Importance of Actively Managed Funds
Many investors consider index funds or ETFs as low-cost alternatives, but in your case, actively managed funds might serve you better.

Here’s why:

Index Funds vs. Actively Managed Funds: Index funds track the market, meaning they cannot outperform it. However, actively managed funds have professional fund managers who select stocks and bonds to outperform the market. This can lead to higher returns over time.

Flexibility in Actively Managed Funds: Fund managers can adjust the portfolio based on market conditions. In volatile times, they can switch to safer assets or sectors. This kind of active management adds value, especially when you're looking at a 10-year investment horizon.

Benefits of Regular Plans over Direct Plans
While direct funds have lower expense ratios, they don’t offer professional guidance. In your case, it’s best to invest in regular funds through a Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials.

Here’s why:

Better Guidance: An MFD with CFP certification offers valuable insights into market conditions and the best performing funds. This ensures that your investments are reviewed regularly.

Portfolio Monitoring: Direct funds put the responsibility of managing your portfolio on you. With regular plans, the MFD monitors your portfolio, ensuring your SIPs align with your goals.

Equity Fund Categories to Consider
When investing Rs. 20,000 monthly, diversification is essential. Here are some key fund categories that you should consider, without naming specific schemes:

Large-Cap Funds: These funds invest in stable and well-established companies. They offer steady returns over time with lower risk compared to mid or small-cap funds. Large-cap funds are ideal for core holdings in your portfolio.

Mid-Cap Funds: These funds focus on companies that are in their growth phase. While they are riskier than large-cap funds, they can provide higher returns. Having exposure to mid-cap funds can boost your overall returns.

Small-Cap Funds: These funds target small companies with high growth potential. They come with a higher risk, but over a 10-year period, they have the potential to generate significant returns. Invest in small-cap funds only if you are comfortable with short-term market fluctuations.

Flexi-Cap Funds: These funds invest across market capitalizations (large, mid, and small). They offer flexibility and help you benefit from different market conditions. Flexi-cap funds provide a balanced approach to growth and risk management.

Balanced Advantage Funds: These funds switch between equity and debt based on market conditions. They provide stability in volatile markets and can be a part of your SIP strategy to protect your corpus from excessive risk.

Role of Debt Funds in Your Portfolio
While equity funds will drive your growth, debt funds play an important role in reducing volatility. These funds are safer but offer lower returns. Since you are investing for 10 years, you can allocate a portion of your monthly SIP to debt funds to provide stability to your portfolio.

Some categories to consider include:

Short-Term Debt Funds: These funds offer good liquidity and are less sensitive to interest rate changes. They can provide steady returns while keeping risk low.

Corporate Bond Funds: These funds invest in high-rated corporate bonds. They offer slightly higher returns than government bonds but come with a bit more risk.

Lump Sum Investment for Long-Term Growth
You mentioned having Rs. 3 lakhs to invest as a lump sum. A good approach would be to invest this amount in a Systematic Transfer Plan (STP).

Here’s how it works:

STP Strategy: Invest the Rs. 3 lakh lump sum into a low-risk debt fund initially. Then, gradually transfer a fixed amount into an equity mutual fund over time. This ensures you benefit from rupee-cost averaging and reduces the risk of investing a large amount during a market high.

Diversified Equity Fund: You can transfer the lump sum into a diversified equity fund. This will allow you to benefit from market growth while reducing the impact of short-term market fluctuations.

Tax Implications to Keep in Mind
When investing for a 10-year period, it’s important to be aware of the tax implications of your investments.

Equity Mutual Funds: Long-term capital gains (LTCG) on equity funds over Rs. 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%. Keep this in mind when redeeming units after 10 years.

Debt Mutual Funds: Both LTCG and STCG on debt mutual funds are taxed as per your income tax slab. This means your returns from debt funds will be added to your income for tax purposes.

This taxation aspect is crucial when planning withdrawals after 10 years.

Increasing Your SIP Contribution
Given your income of Rs. 1.80 lakh monthly and no existing liabilities, it’s advisable to increase your SIP contributions gradually.

Here’s why:

Step-Up SIP: This is a facility where you increase your SIP amount each year. By doing this, your corpus grows faster, allowing you to reach your goal sooner. A small increase of 10-15% each year can make a big difference over 10 years.

Compounding Effect: By increasing your SIP every year, you benefit from the power of compounding. The longer you stay invested and the more you invest, the greater your returns will be over time.

Emergency Fund Consideration
You mentioned that you have Rs. 60 lakh in Fixed Deposits (FDs). While this is a good emergency fund, you might want to reallocate a portion to debt mutual funds. Debt mutual funds can provide better returns than FDs over time, with similar safety.

Here’s how you can manage this:

FDs vs. Debt Funds: FDs offer fixed returns but are less tax-efficient. Debt mutual funds, on the other hand, offer slightly higher returns and are more tax-efficient, especially if held for the long term.

Emergency Fund Size: Keep a portion of your FD as an emergency fund, but consider shifting the rest into debt mutual funds. This way, you’ll still have liquidity, but your money will work harder for you.

Final Insights
Your current SIP investments are well-diversified, but there is room for improvement. Increasing your SIP gradually, rebalancing between equity and debt, and using a systematic transfer plan for lump sum investments will all help boost your corpus over the next 10 years.

Additionally, keep an eye on tax implications when planning withdrawals.

With a disciplined approach, you can achieve your goal of building a solid corpus by the time you plan to resign.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7099 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

Money
Sir, I am 55 yrs of age. I want to invest Rs.5000/- pm in Mutual funds for a period of 5 years. Can you suggest me which Mutual funds are best for me to proceed.
Ans: At 55 years, financial planning focuses on achieving a blend of growth, stability, and tax efficiency. A systematic investment of Rs. 5000 per month in mutual funds for five years is a commendable step. This detailed plan outlines an optimal approach tailored to your needs.

Understanding Your Goals
Capital Preservation and Moderate Growth
Your investment horizon of five years suggests a moderate-risk strategy. While growth is important, safeguarding capital is equally critical at this stage in life.

Liquidity and Accessibility
Investments should provide liquidity to meet any unforeseen expenses. Funds with shorter lock-in periods or high liquidity are ideal.

Tax Efficiency
Tax implications can significantly impact net returns. A focus on tax-efficient funds and strategies will maximize your earnings.

Suggested Investment Strategy
A diversified approach ensures a balance between growth and stability. Below is a breakdown of recommended fund types:

1. Actively Managed Equity Funds
These funds can deliver superior returns by leveraging fund managers’ expertise.
They help you capitalize on opportunities that passive index funds miss.
Over five years, these funds can outperform benchmarks significantly.
2. Balanced Advantage Funds
Balanced Advantage Funds manage risk effectively by dynamically adjusting between equity and debt.
They offer stability while ensuring growth through equity exposure.
These are suitable for investors who want moderate risk with decent returns.
3. Debt-Oriented Funds
Debt funds provide stability and are less volatile compared to equity funds.
They ensure a steady income stream with lower risk.
Ideal for a portion of your portfolio to counter equity market fluctuations.
Why Avoid Index Funds?
Index funds track market benchmarks but lack active decision-making.
They do not adapt to changing market dynamics.
Actively managed funds, on the other hand, outperform during volatile periods due to skilled management.
The Pitfalls of Direct Fund Investments
While direct funds seem cost-effective, they require hands-on expertise and time. Investing through a Certified Financial Planner (CFP) offers multiple advantages:

Expert Management: A CFP selects funds that align with your financial goals and risk appetite.
Portfolio Monitoring: They ensure your investments remain on track, adjusting for market changes.
Reduced Stress: You avoid the hassle of analyzing market trends and managing investments independently.
Regular plans through a CFP, combined with professional fund distribution, deliver better returns and convenience.

Allocating Your Rs. 5000 Monthly Investment
Equity Funds: Allocate 40-50% of your monthly investment. Equity funds offer growth and higher returns over five years.
Balanced Funds: Allocate 30-40% for stability. These funds balance growth and protection.
Debt Funds: Invest 10-20% to reduce overall portfolio risk. These funds ensure consistent returns.
By diversifying across these fund types, you minimize risks and maximize returns.

Tax Implications of Mutual Fund Investments
1. Taxation on Equity Funds
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
2. Taxation on Debt Funds
Gains are taxed as per your income tax slab.
Investing for three years or more in debt funds provides indexation benefits.
3. Optimal Tax Strategy
Opt for funds with low turnover to reduce taxable events.
Hold funds for a longer term to benefit from lower tax rates on LTCG.
Key Considerations for Your Investment Journey
Periodic Reviews: Evaluate your portfolio every six months to ensure alignment with your goals.
Avoid Over-Diversification: Limiting your investments to a few funds simplifies tracking and enhances returns.
Reinvestment of Gains: Use returns from mutual funds for reinvestment to maximize compounding benefits.
Benefits of Working with a Certified Financial Planner
A Certified Financial Planner adds immense value to your investment journey. Here's how:

Tailored Investment Plan: They customize fund selection based on your financial goals and risk tolerance.
Expert Portfolio Management: Regular reviews and adjustments enhance your portfolio performance.
Holistic Financial Planning: A CFP aligns your mutual fund investments with other financial goals, such as retirement or child education.
This approach ensures a seamless investment experience with optimal outcomes.

Final Insights
Investing Rs. 5000 monthly in mutual funds over five years can yield significant results with the right approach. By diversifying into equity, balanced, and debt funds, you achieve a balance of growth and stability. Avoid direct and index funds, as they lack the benefits of expert management.

A Certified Financial Planner ensures your investments remain aligned with your goals, maximizing returns while minimizing risks. Regular portfolio reviews and disciplined investing will lead you toward financial success.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |7099 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

Money
Sir, I' am 44 Yr. old and doing small savings in LIC and around 6.5 lakhs invested in shares. how can further improve my financial status to grow money.
Ans: Assess Your Current Financial Position
Your dedication to saving and investing shows financial discipline.

LIC savings provide insurance and assured returns but may underperform inflation-adjusted growth.

Rs 6.5 lakhs in shares is a good start for wealth accumulation but is highly dependent on market fluctuations.

You have taken initial steps toward financial independence; now focus on optimising and growing your wealth.

Define and Prioritise Your Financial Goals
Start by clearly defining your short-term, medium-term, and long-term financial goals.

Short-term: Emergency funds, annual vacations, or gadget purchases.

Medium-term: Children’s higher education or down payment for a house.

Long-term: Comfortable retirement, wealth creation, or supporting dependents.

Assign time frames and target amounts to each goal.

Prioritise based on urgency and importance to streamline your investment strategy.

Evaluate and Enhance Insurance Coverage
Life Insurance: Review your current LIC policies. Check if the coverage is adequate to secure your family’s future. A term plan may provide better protection at a lower cost.

Health Insurance: Ensure you have comprehensive health coverage for the family. Choose a policy with adequate sum assured, including critical illness cover.

Avoid combining investment and insurance. Pure insurance plans like term plans are more cost-effective.

Optimise LIC Policies for Better Returns
LIC policies typically offer low to moderate returns compared to inflation and market-linked options.

Evaluate the surrender value, lock-in period, and maturity benefits of existing LIC policies.

If the returns are unsatisfactory, you may consider surrendering or withdrawing them partially.

Reinvest the proceeds into diversified mutual funds for better long-term growth.

Diversify Your Investment Portfolio
Avoid over-concentration in direct shares, as they are highly volatile and require in-depth research.

Mutual Funds: Include equity mutual funds for professional management, diversification, and inflation-beating returns. Choose funds aligned with your risk appetite and goals.

Debt Funds: Invest in debt mutual funds for stability and steady returns, especially for short-term goals.

Gold: Consider allocating 5-10% of your portfolio to gold or gold funds to hedge against inflation.

Mutual Funds: A Better Investment Option
Actively managed funds provide opportunities for higher returns than passive investments like index funds.

Regular funds offer benefits like professional advice and regular portfolio reviews by Certified Financial Planners.

CFPs ensure your investments are aligned with your long-term financial objectives.

These funds are ideal for investors seeking growth while minimising direct market exposure.

Build an Emergency Fund
Create a liquid emergency fund covering 6-12 months of your household expenses.

Use liquid mutual funds or high-interest savings accounts for this purpose.

This ensures financial stability during unforeseen circumstances like job loss or medical emergencies.

Focus on Retirement Planning
At 44, retirement planning becomes critical to securing your post-retirement lifestyle.

Start by estimating monthly expenses during retirement, considering inflation.

Invest in a balanced mix of equity and debt instruments to build a sustainable retirement corpus.

A systematic investment plan (SIP) in equity funds can help accumulate wealth over time.

Strategic Tax Planning
Review your tax-saving investments under Section 80C to maximise deductions.

ELSS (Equity Linked Savings Scheme) mutual funds offer tax benefits and higher growth potential.

National Pension System (NPS) provides an additional Rs 50,000 tax deduction under Section 80CCD(1B).

Ensure your tax-saving investments align with your financial goals and time horizons.

Monitor and Rebalance Your Investments
Periodically review your investments to assess performance and alignment with goals.

Rebalance your portfolio to maintain the desired equity-to-debt ratio as market conditions change.

Avoid impulsive decisions during market volatility; focus on the long-term potential of your investments.

Avoid Common Investment Mistakes
Do not mix insurance and investment in one product, as it often leads to suboptimal returns.

Avoid relying solely on direct equity investments unless you have expertise in stock analysis.

Stay patient with equity investments, as they require a long-term horizon of 5-7 years for optimal growth.

Final Insights
Improving your financial status requires a well-thought-out and diversified investment plan.

Reassess your LIC policies and direct equity investments to optimise returns.

Diversify into mutual funds, build an emergency fund, and focus on tax-efficient investments.

Work with a Certified Financial Planner to develop a tailored strategy for your financial goals.

Take consistent and disciplined actions to grow your wealth and secure your financial future.

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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