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How should I invest 1 crore for 10 years?

Ramalingam

Ramalingam Kalirajan  |10334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 02, 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
Asked by Anonymous - Dec 02, 2024Hindi
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Asset allocation for investment of 1 cr for 10 years?

Ans: Investing Rs 1 crore with a 10-year horizon demands careful planning. The objective should balance growth, stability, and tax efficiency. Below is a detailed approach to achieve financial goals effectively.

1. Understanding Investment Goals and Risk Appetite
Define clear goals: retirement, child's education, or wealth creation.
Assess your risk tolerance: low, moderate, or high.
Longer time horizons favour equity for higher returns.
2. Diversified Asset Allocation Strategy
Equity Allocation for Growth
Allocate 60-70% of your portfolio to equity mutual funds.
Choose actively managed funds for potential outperformance.
Equity funds can include large-cap, mid-cap, and multicap funds.
They offer high growth potential but require long-term commitment.
Debt Allocation for Stability
Allocate 20-30% of your portfolio to debt instruments.
Invest in debt mutual funds or bonds for consistent returns.
Debt instruments reduce portfolio volatility and offer liquidity.
Taxation for debt funds aligns with your income tax slab.
Gold for Hedge and Diversification
Allocate 5-10% to gold as a hedge against inflation.
Consider gold ETFs or sovereign gold bonds for better liquidity.
Avoid physical gold due to storage and purity concerns.
Liquid Funds for Emergencies
Keep 5-10% of the portfolio in liquid funds.
Liquid funds ensure quick access during financial emergencies.
They offer better returns than savings accounts and are tax-efficient.
3. Tax Efficiency in Investment Choices
Equity mutual funds taxed at 12.5% LTCG above Rs 1.25 lakh.
Debt funds taxed as per your income tax slab.
Plan withdrawals to optimise tax liabilities.
Actively managed funds can adapt to market changes better.
4. Insurance Policies and Existing Investments
If you hold LIC or ULIPs, consider their performance critically.
Traditional insurance policies may offer suboptimal returns.
Surrender poorly performing policies and reinvest in mutual funds.
Avoid mixing insurance with investment; focus on term insurance.
5. Benefits of Investing Through a Certified Financial Planner
Regular funds through a Mutual Fund Distributor (MFD) have multiple benefits.
MFDs provide ongoing guidance and expertise.
They assist in reviewing and rebalancing your portfolio.
Regular funds support your financial journey with holistic solutions.
6. Evaluating Risks and Returns
Understand market risks, especially in equity investments.
Debt investments carry reinvestment and credit risks.
Gold prices may fluctuate due to global market conditions.
Regular monitoring and adjustments can mitigate risks.
7. Avoid Common Investment Pitfalls
Avoid direct funds unless you have deep market knowledge.
Index funds limit potential returns in comparison to active funds.
Do not invest in instruments solely for tax benefits.
Avoid timing the market; stay disciplined for consistent growth.
8. Regular Monitoring and Portfolio Rebalancing
Review your portfolio semi-annually or annually.
Rebalance to maintain the original asset allocation.
Shift between asset classes based on market performance.
Adapt the strategy to meet changing financial goals.
9. Emergency and Liquidity Planning
Set aside 6-12 months of expenses in liquid investments.
Avoid locking all funds in long-term products.
Maintain liquidity to manage unexpected situations.
10. Benefits of a Structured Approach
Long-term growth with controlled risks.
Tax-efficient portfolio optimises returns.
Diversification safeguards against market fluctuations.
Clear goal-setting ensures alignment with financial aspirations.
11. Insights on Wealth Creation Mindset
Stay patient and focus on long-term compounding.
Stick to your plan during market ups and downs.
Avoid emotional decisions and focus on data-driven strategies.
Consistent investments will help build significant wealth.
Finally
Investing Rs 1 crore over 10 years can transform your financial future. An optimal mix of equity, debt, and gold will achieve growth and stability. Regular monitoring, rebalancing, and tax planning will enhance results. Consult a Certified Financial Planner for tailored guidance. Your disciplined efforts today will secure financial freedom tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |10334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 31, 2024

Asked by Anonymous - May 31, 2024Hindi
Money
1cr is sufficient with zero liability fr sr.citizens, to invest 1,cr,can u suggest methodology fr 5yrs plan with quarterly interest.
Ans: Investing Rs 1 crore as a senior citizen with zero liabilities is a commendable position. Your focus on a five-year plan with quarterly interest payouts reflects a need for both stability and income. Let's explore a structured approach to achieve your financial goals.

Assessing Financial Goals and Risk Tolerance
Firstly, it's essential to assess your financial goals and risk tolerance. As a senior citizen, your primary goal is likely to preserve capital while generating regular income. Given the zero liabilities, you have the flexibility to explore various investment options.

Emphasizing Safety and Income
Safety of capital is paramount for senior citizens. Hence, we will focus on investments that offer capital protection along with periodic income.

Suggested Methodology for Investing Rs 1 Crore
1. Systematic Withdrawal Plan (SWP)
A Systematic Withdrawal Plan (SWP) can be an effective strategy. It allows you to withdraw a fixed amount regularly from your investment. This provides a predictable cash flow, suitable for meeting regular expenses.

Flexibility in Withdrawals: You can customize the withdrawal amount and frequency as per your needs.

Tax Efficiency: SWP is more tax-efficient compared to lump-sum withdrawals, especially for long-term investments.

2. Debt Funds
Debt funds are suitable for generating regular income with lower risk. They invest in fixed-income securities like bonds and treasury bills.

Stability and Safety: Debt funds are less volatile than equity funds, providing stability.

Quarterly Payout Options: Many debt funds offer the option for regular payouts, aligning with your need for quarterly interest.

3. Hybrid Funds
Hybrid funds invest in both equity and debt instruments, balancing risk and return.

Diversification: They offer diversification, reducing overall portfolio risk.

Regular Income: These funds can be structured to provide regular income, suitable for your quarterly interest requirement.

4. Fixed Deposits with Banks and NBFCs
Fixed deposits (FDs) are a traditional investment option, known for their safety and fixed returns.

Guaranteed Returns: FDs offer guaranteed returns over a fixed tenure.

Quarterly Interest Payouts: Many banks and NBFCs provide the option of quarterly interest payouts, ensuring a steady cash flow.

5. Senior Citizen Savings Scheme (SCSS)
SCSS is a government-backed scheme specifically designed for senior citizens.

High Safety and Returns: SCSS offers attractive interest rates with government backing.

Quarterly Interest Payments: This scheme provides quarterly interest payments, perfectly aligning with your needs.

Implementing the Investment Plan
Step 1: Allocate Funds Across Different Instruments
Diversify your Rs 1 crore across the suggested instruments to balance risk and return.

Debt Funds: Allocate a portion of your investment to debt funds for stability and regular income.

Hybrid Funds: Invest in hybrid funds for a mix of growth and stability.

Fixed Deposits: Place a part of your corpus in fixed deposits for guaranteed returns.

Senior Citizen Savings Scheme: Utilize SCSS for a portion of your investment for high safety and quarterly payouts.

Step 2: Set Up a Systematic Withdrawal Plan (SWP)
Choose Suitable Funds: Select funds that offer SWP options, ideally those providing stability and regular income.

Customize Withdrawals: Decide the withdrawal amount and frequency based on your monthly or quarterly expenses.

Step 3: Monitor and Rebalance the Portfolio
Regular monitoring and rebalancing of your portfolio are crucial.

Review Performance: Periodically review the performance of your investments.

Rebalance as Needed: Rebalance your portfolio to maintain the desired asset allocation and risk levels.

Learning and Understanding Investments
Gaining knowledge about mutual fund investments can help you make informed decisions.

Online Resources and Courses
Many online platforms offer courses on mutual fund investments, covering basic to advanced topics.

Free and Paid Courses: Explore free and paid courses to enhance your understanding.

Interactive Webinars: Participate in webinars conducted by financial experts.

Books and Publications
Reading books and financial publications can provide in-depth knowledge.

Personal Finance Books: Look for books by Indian authors that focus on personal finance and investments.

Financial Magazines: Subscribe to financial magazines for the latest market insights.

Consulting a Certified Financial Planner
A Certified Financial Planner (CFP) can provide personalized advice based on your financial goals.

Tailored Recommendations: CFPs offer tailored recommendations to suit your needs.

Comprehensive Planning: They help in creating a holistic financial plan, considering all aspects of your finances.

Understanding the Disadvantages of Index Funds
While index funds have their benefits, they might not be ideal for everyone.

Limited Flexibility: Index funds passively track an index, offering limited flexibility in managing the portfolio.

Market Dependency: Their performance is directly tied to the market. They can't adjust to mitigate losses during downturns.

Lack of Professional Management: Unlike actively managed funds, index funds do not have fund managers making strategic decisions.

Benefits of Actively Managed Funds
Actively managed funds offer several advantages over index funds.

Professional Expertise: Fund managers actively manage the portfolio, aiming to maximize returns.

Potential for Higher Returns: Actively managed funds have the potential to outperform the market.

Strategic Management: Fund managers can make strategic adjustments based on market conditions.

Disadvantages of Direct Funds
Direct funds might seem attractive due to lower expense ratios but have drawbacks.

Lack of Guidance: Direct investors miss out on professional advice, which is crucial for making informed decisions.

Time-Consuming: Managing investments independently requires time and effort.

Benefits of Regular Funds via CFP
Investing through a Certified Financial Planner offers significant benefits.

Expert Advice: CFPs provide expert advice tailored to your financial goals.

Holistic Planning: They help in creating a comprehensive financial plan.

Ongoing Monitoring: CFPs monitor your portfolio regularly and make necessary adjustments.

Conclusion
Investing Rs 1 crore for a five-year plan with quarterly interest payouts can be effectively managed with a diversified approach. By combining debt funds, hybrid funds, fixed deposits, and SCSS, you can achieve a balance of safety, income, and growth. Utilizing a Systematic Withdrawal Plan (SWP) ensures regular cash flow. Continuous learning and consulting a Certified Financial Planner can further enhance your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10334 Answers  |Ask -

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

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NEED TO ACCUMULATE A FUND OF 1 CR IN 5 YEARS, CAN U PROVIDE ME AN INSIGHT FOR RIGHT INVESTMENT
Ans: A fund of Rs 1 crore in 5 years is an ambitious goal.

Achieving this requires disciplined saving and smart investments.

The strategy should align with your risk tolerance and cash flow.

Regular reviews and adjustments will keep your plan on track.

Analysing Investment Options
Equity Mutual Funds: For Growth Potential

Equity mutual funds offer the highest potential for wealth creation.

Choose actively managed funds with a proven track record.

Diversify across large-cap, mid-cap, and multi-cap funds.

Avoid index funds; they lack active management advantages.

Actively managed funds adapt better to market conditions.

Debt Mutual Funds: For Stability

Debt funds can balance the volatility of equity investments.

Short-duration and dynamic bond funds can suit a 5-year horizon.

Debt funds offer stable returns but are taxed as per your slab.

Allocate a portion to these for safety and liquidity.

Hybrid Funds: Balanced Approach

Hybrid funds combine equity and debt investments.

They provide moderate growth with less volatility.

These are suitable for medium-risk investors.

Systematic Investment Plan (SIP): Key to Discipline

Start SIPs for consistent and disciplined investing.

SIPs spread the investment across market cycles.

This reduces the risk of timing the market incorrectly.

Importance of Regular Fund Investments
Avoid Direct Funds

Direct funds lack advisory support for tax or portfolio management.

Investing through a Certified Financial Planner ensures better decisions.

Regular funds offer expert-driven portfolio rebalancing.

Avoid Sector-Specific Funds

Sectoral funds are risky due to their narrow focus.

Stick to diversified equity or hybrid funds.

This reduces dependence on specific industries.

Risk Management and Contingency Planning
High-growth investments come with volatility. Be prepared for fluctuations.

Build an emergency fund to cover six months' expenses.

Avoid withdrawing from growth investments during the goal period.

Taxation Considerations
Equity funds have LTCG above Rs 1.25 lakh taxed at 12.5%.

STCG for equity funds is taxed at 20%.

Debt funds are taxed as per your income tax slab.

Keep these tax implications in mind when choosing investment vehicles.

Additional Steps to Enhance Wealth Creation
Increase SIP Contributions

Gradually increase your monthly SIP amount with income growth.

This accelerates the wealth-building process.

Track Fund Performance

Review your investments semi-annually.

Replace underperforming funds with better alternatives.

Avoid Insurance-Cum-Investment Products

If you hold LIC or ULIP policies, consider surrendering them.

Reinvest the proceeds into diversified mutual funds.

This can provide better returns and flexibility.

Aligning with Financial Discipline
Stay invested for the full tenure to benefit from compounding.

Avoid panic selling during market downturns.

Regular investments and patience are key to achieving Rs 1 crore.

Final Insights
Reaching Rs 1 crore in 5 years is achievable with a structured and disciplined approach. Use a mix of equity, debt, and hybrid funds for diversification. Stick to regular investments and review performance periodically. Avoid direct funds and leverage the expertise of a Certified Financial Planner to optimise your portfolio. Prioritise financial discipline and align investments with your goals.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |10334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 14, 2025

Asked by Anonymous - Apr 14, 2025Hindi
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Where to invest 10000, one crore portfolio should be made in 10 years of every month
Ans: Assessing Your Investment Goal

You aim to accumulate Rs 1 crore in 10 years.

Planning to invest Rs 10,000 monthly towards this goal.

This requires a disciplined and strategic investment approach.

Let's evaluate the feasibility and suggest an optimal investment strategy.

 

Feasibility of Achieving Rs 1 Crore with Rs 10,000 Monthly Investment

Investing Rs 10,000 per month for 10 years totals Rs 12 lakh.

To reach Rs 1 crore, your investment must grow over eight times.

This implies an annual return of approximately 26-27%.

Such high returns are exceptionally rare and involve significant risk.

Therefore, achieving Rs 1 crore in 10 years with Rs 10,000 monthly is highly unlikely.

 

Recommended Investment Strategy

Increase your monthly investment to enhance the likelihood of reaching your goal.

Consider a monthly SIP of Rs 40,000 to Rs 45,000.

This assumes an annual return of 12%, which is more realistic.

Diversify your investments across various mutual fund categories.

Regularly review and adjust your investment portfolio.

 

Suggested Mutual Fund Allocation

Large Cap Funds: Allocate 40% of your investment.

Flexi Cap Funds: Allocate 30% for flexibility across market capitalizations.

Mid Cap Funds: Allocate 20% to capture growth potential.

Small Cap Funds: Allocate 10% for higher risk-reward opportunities.

 

Importance of Diversification

Diversification helps in managing investment risk.

It ensures exposure to various sectors and market segments.

Balances the portfolio to withstand market volatility.

Enhances the potential for consistent returns over time.

 

Regular Portfolio Review

Monitor your investment portfolio periodically.

Assess the performance of each fund category.

Rebalance the portfolio to maintain desired asset allocation.

Adjust investments based on changing financial goals and market conditions.

 

Tax Considerations

Be aware of the tax implications on mutual fund investments.

Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Plan your investments to optimize tax efficiency.

 

Final Insights

Achieving Rs 1 crore in 10 years with Rs 10,000 monthly investment is highly challenging.

Increasing your monthly investment enhances the feasibility of reaching your goal.

Diversify your investments across various mutual fund categories.

Regularly review and adjust your portfolio to align with financial objectives.

Stay informed about tax implications to maximize returns.

 

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

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Kanchan

Kanchan Rai  |629 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 25, 2025

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Off late ( 4-5 months ) iam experiencing extreme anxiety during flying. It was not there before. Also the recent airline accident and reading news reports about flight technical snags are adding to my worry. My job profile requires me frequency travel and i cannot avoid it. Can you pls advice me on some relaxation techniques or methods to calm myself while flying.
Ans: Hello Krish,
The important thing to remember is that flying itself remains one of the safest modes of travel, and your anxiety, while very real, is more about perception than actual risk.
When you notice anxiety rising before or during a flight, try focusing on your breathing first. A simple technique is the 4–7–8 method: inhale through your nose for 4 counts, hold for 7 counts, and exhale slowly through your mouth for 8 counts. This helps calm the body’s stress response. Pairing this with progressive muscle relaxation — gently tensing and releasing muscles from your feet upwards — can give your mind something to focus on and reduce the physical tension that comes with anxiety.
Visualization also works well. Before your flight, close your eyes and imagine yourself boarding calmly, settling into your seat, and landing smoothly at your destination. During the flight, picture a safe, steady path in the sky, like a road, reminding yourself that turbulence is just like bumps on that road — uncomfortable, but not dangerous.
Practical steps help too. Limit caffeine or heavy news consumption before you fly, carry calming music, podcasts, or even guided meditations on your phone, and try to keep your mind occupied with a book, work, or even puzzles. Some people find comfort in talking briefly to flight attendants — their calm and routine presence can be reassuring.
If your anxiety feels overwhelming or keeps getting worse despite these methods, it may help to work with a therapist trained in cognitive-behavioral techniques for phobias. Even a few focused sessions can equip you with tools to manage the fear more effectively.

...Read more

Ramalingam

Ramalingam Kalirajan  |10334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 25, 2025

Asked by Anonymous - Aug 25, 2025Hindi
Money
Hi Sir, I am 42 years old with 60K monthly salary. Have one child in 8th class. As far as saving is concerned, having LIC of Rs.2.5K monthly for last 2 years and SIP monthly Rs.3.5K for last 8 months. Have 2 Lac in FD. Can I afford a home loan EMI for at least 20-25 years? How can I plan my financial strategies after home loam EMI burden? Please suggest.
Ans: You have taken very good steps already with SIP and FD. Your intent to own a house and at the same time secure your family’s future is appreciable. With proper planning you can handle a home loan and also balance other goals. Let us look at your situation from a 360-degree perspective.

» Current income and expenses
– Your monthly income is Rs 60,000.
– Existing commitments are Rs 2,500 LIC and Rs 3,500 SIP.
– That means Rs 6,000 is already going into savings.
– You still have Rs 54,000 left for household expenses, EMI, and other savings.
– This gives you capacity to plan EMI if done carefully.

» LIC policy assessment
– LIC investment is small but not effective for wealth creation.
– Traditional LIC plans give low returns, sometimes lower than inflation.
– Since you are in second year only, surrendering and reinvesting is better.
– The amount can be moved to mutual funds for higher growth.
– Protection should be taken separately through pure term insurance.

» SIP and FD assessment
– Current SIP of Rs 3,500 is a good start.
– At your age and goals, SIP amount needs to be increased.
– FD of Rs 2 lakh is good for emergency buffer.
– But FD is not suitable for long-term wealth creation.
– You must maintain part for emergencies but shift extra to mutual funds.

» Home loan affordability
– A safe EMI limit is 30 to 35% of income.
– For you, that is around Rs 18,000 to Rs 21,000 per month.
– If EMI goes much higher, family cash flow will suffer.
– You need to balance EMI with child’s future and retirement.
– A 20 to 25-year loan is possible but keep EMI affordable.

» Risk of higher EMI burden
– Higher EMI blocks your monthly income.
– It reduces ability to invest for child education and retirement.
– If income rises steadily, EMI burden becomes manageable.
– But depending only on future salary growth is risky.
– Always choose EMI that you can pay even in tough times.

» Emergency fund before loan
– Emergency fund is vital before taking a home loan.
– It should cover at least 6 months of expenses including EMI.
– Your FD of Rs 2 lakh is not enough.
– Build this reserve before committing to loan.
– It will give confidence and safety during emergencies.

» Insurance protection
– Home loan adds large liability to your family.
– You must have adequate life insurance through pure term policy.
– This ensures family can repay loan if something happens to you.
– Health insurance is also very important.
– These covers reduce stress when EMI is running.

» Child education planning
– Your child is in 8th class.
– Within 4 to 5 years, higher education cost will start.
– This is a high priority goal along with home.
– Education cost inflation is very high.
– You must allocate SIP for this goal separately.

» Retirement planning
– You are 42 now and have about 18 years to retire.
– Retirement corpus needs long-term disciplined investing.
– Many people ignore retirement while paying EMI.
– If you delay, you may face shortage later.
– Even small SIPs now can grow large in long term.

» Role of equity mutual funds
– Equity mutual funds create wealth for long-term goals.
– They help fight inflation and build retirement corpus.
– Active funds give professional management and growth opportunity.
– Index funds cannot protect during market falls.
– Actively managed funds have better risk management for your goals.

» Debt mutual funds for balance
– Debt funds provide stability in portfolio.
– They are useful for near-term goals like child’s higher studies.
– They are also good for systematic transfers into equity funds.
– Gains are taxed as per income slab, but stability matters more.
– Balancing debt and equity avoids excess volatility.

» Regular vs direct funds
– Direct funds seem cheaper but they lack guidance.
– With direct funds, you miss the support of Certified Financial Planner.
– Mistakes in timing or allocation may ruin your goals.
– Regular funds with CFP monitoring ensure disciplined strategy.
– The small cost difference is worth the expert advice and reviews.

» Balancing EMI and investments
– Do not commit entire surplus to EMI.
– Keep part of surplus for SIPs in mutual funds.
– This balances house goal with education and retirement goals.
– House is important but should not block your other future needs.
– Balanced approach reduces financial stress later.

» Systematic plan for you
– Keep emergency fund of at least 6 months expenses.
– Maintain affordable EMI within 30% of salary.
– Take sufficient term insurance to cover loan and family needs.
– Increase SIPs gradually for child education and retirement.
– Review portfolio annually with a Certified Financial Planner.

» Psychological balance
– Owning a home gives comfort but EMI brings pressure.
– Proper planning gives peace of mind.
– Splitting resources between EMI, SIP, and insurance balances responsibilities.
– With discipline, you can handle loan and other goals together.
– Confidence grows when you see both home and investments progressing.

» Tax awareness with investments
– Equity fund long term gains above Rs 1.25 lakh taxed at 12.5%.
– Short term gains taxed at 20%.
– Debt fund gains taxed as per slab.
– Planning redemptions across years can reduce tax impact.
– This will be important when you withdraw for education.

» Importance of yearly review
– Your income, expenses and goals will change with time.
– Loan balance and investments need tracking every year.
– Rebalancing ensures right mix of debt and equity.
– Regular review prevents drift and keeps you on track.
– CFP guidance is essential for this monitoring.

» Currency impact for education
– If your child studies abroad, currency impact will matter.
– Rupee tends to weaken against USD and GBP.
– This increases future cost of overseas education.
– Equity funds can help manage this inflation.
– Some international funds may be considered later for currency hedge.

» Finally
– You can afford a home loan with careful planning.
– Keep EMI around 30% of your income.
– Build emergency fund and take term insurance before loan.
– Surrender LIC and move money to mutual funds.
– Balance EMI with SIPs for child education and retirement.
– Stick to active funds and regular plans with CFP support.
– With discipline and yearly reviews, you can own a house and also secure 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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