Long-term Share Advice: Should I Hold HDFC Bank, HDFC Life, Granules India, Piramal Pharma, ABFRL, TVSSCS, and SUMICHEM?

Ans: You are very focused. That is great. At 48, with stable income and disciplined savings, you are positioned well. Your family structure, income level, and goals give you clarity. Let me now guide you with a complete 360-degree retirement plan.

We will review your mutual fund choices, assess your readiness for Rs. 5 crore retirement corpus, and provide specific improvement points. The answer will be detailed. But every section will stay simple, focused, and relevant to your goal.

# Current Financial Structure – Strong Foundation with Key Strengths
– Age: 48 years
– Family: Wife (homemaker) + Twin sons (age 11)
– Monthly Income: Rs. 3.1 lakh (take-home)
– Monthly SIP: Rs. 55,000
– PPF monthly: Rs. 12,500
– EPF Corpus: Rs. 75 lakh
– Bank FDs: Rs. 15 lakh
– Mutual Fund Corpus: Rs. 47 lakh
– Term Life Cover: Rs. 2 crore
– Health Insurance: Rs. 50 lakh floater

You are doing many things right:

No loans or EMI burden

Good insurance cover for family

High EPF balance

Steady SIP commitment

Excellent financial awareness

But let us now look at this from a retirement planning lens.

# Retirement Goal – Is Rs. 5 Crore Corpus Achievable?
You want Rs. 5 crore retirement corpus. You are 48 now. Assume retirement at 60.

That gives you 12 years to grow wealth.

Current Assets Towards Retirement:
– EPF: Rs. 75 lakh
– Mutual Funds: Rs. 47 lakh
– PPF: Rs. 13 lakh (plus future contributions)
– FDs: Rs. 15 lakh

If you continue SIPs, PPF, and allow EPF to grow, you can achieve your goal.

You need steady growth. And a focused asset allocation. You must also avoid unplanned withdrawals.

But yes, Rs. 5 crore retirement corpus is realistically achievable.

Let us now assess how to improve your strategy.

# Mutual Fund Portfolio – Evaluation and Suggestions
You hold the following mutual funds:

– ABSL Focused Fund – Rs. 13 lakh (SIP Rs. 5k)
– Axis Mid Cap – Rs. 2.8 lakh (SIP Rs. 5k)
– HSBC Mid Cap – Rs. 1.93 lakh (SIP Rs. 5.5k)
– ICICI Value Discovery – Rs. 11.45 lakh (SIP Rs. 14k)
– Parag Flexi Cap – Rs. 15.24 lakh (SIP Rs. 19k)
– SBI Small Cap – Rs. 2.68 lakh (SIP Rs. 5k)

Total Corpus: Rs. 47 lakh
Monthly SIP: Rs. 55,000

Your overall mix is growth-oriented. That is good at your age.

But some changes are needed:

Portfolio Strengths:
– Flexi-cap and value funds offer good long-term growth
– You are disciplined with SIPs
– Reasonable diversification

Weaknesses and Suggestions:
– You have two mid-cap funds. That creates overlap.
– Axis Mid Cap and HSBC Mid Cap both are volatile.
– You have a small-cap fund. Good for wealth growth, but risky after 50.
– You lack hybrid or conservative funds.
– You don’t have goal tagging.

Recommended Actions:
– Keep only one mid-cap fund. Exit the other in a phased manner.
– Consider reducing small-cap exposure gradually post age 52.
– Add 1–2 hybrid equity or balanced advantage funds.
– Tag one or two funds solely for retirement.
– Keep overall portfolio lean. Avoid fund clutter.

Maintain 4–5 core funds only. Too many funds dilute performance tracking.

# SIP Strategy – Expand Smartly
Current SIP is Rs. 55,000 monthly.

Your income is Rs. 3.1 lakh. That gives room to increase SIPs.

Suggestions:
– Increase SIPs by Rs. 5,000 every year for the next 5 years.
– When expenses drop (after kids' education), boost SIP further.
– Avoid pausing SIPs even during market falls.
– Avoid small-cap SIPs post age 55. Shift to flexi-cap or hybrid.

SIP is your engine. Keep fuelling it.

You are investing regularly. Now structure it better.

# EPF and PPF – Steady Retirement Backbone
You already have:

– EPF corpus of Rs. 75 lakh
– PPF corpus of Rs. 13 lakh (with 5 years to maturity)

These two give long-term stability.

Suggestions:
– Continue PPF for full tenure. Extend in 5-year blocks after that.
– Do not withdraw EPF at retirement. Let it grow with interest.
– Don’t rely on EPF alone for retirement. It offers fixed returns, not growth.

Use EPF and PPF as base. Build your mutual fund portfolio for growth.

# Bank FDs – Safe but Not Wealth Creators
You have Rs. 15 lakh in bank FDs.

FDs are safe. But they don’t grow wealth.

Issues with FDs:
– Returns are fully taxable
– Interest barely beats inflation
– No long-term compounding

Suggestions:
– Keep only Rs. 5 lakh as emergency fund
– Reallocate remaining Rs. 10 lakh into suitable mutual funds in 6–8 tranches
– Use hybrid or large & mid-cap funds for transition

FDs are not retirement tools. Shift slowly into better instruments.

# Goal Planning – Tag Investments to Specific Goals
You didn’t mention your sons’ education or marriage planning.

Assuming that is in progress, don’t mix goals with retirement corpus.

Action Points:
– Tag 2–3 funds only for retirement
– Track those funds separately
– Don’t withdraw from them before retirement
– Build a second SIP stream for your sons’ goals

Separate goals = Clear vision = Smarter planning.

# Health and Life Insurance – Strong Protection Setup
You have:

– Term Insurance: Rs. 2 crore
– Health Cover: Rs. 50 lakh family floater

This is good. Your family will be protected.

Review Every 3 Years:
– Ensure health insurance covers all family members
– Check if critical illness cover is needed separately
– Don’t reduce term insurance till retirement

Insurance is not investment. Keep it pure and updated.

# Portfolio Management – Avoid DIY Pitfalls
You have not mentioned using any Certified Financial Planner.

If you are investing in direct mutual funds or managing portfolio yourself, there are risks.

Problems with Direct Plans:
– No personalised rebalancing
– No behavioural support in downturns
– No guidance in fund selection
– Missed opportunities and strategy drift

Problems with DIY Strategy:
– Overlapping schemes
– Confused asset allocation
– Wrong switches based on short-term fear
– No goal tagging or periodic review

Instead, take regular funds through a trusted MFD and Certified Financial Planner.

Yes, regular plans have cost. But they bring peace, direction, and monitoring.

Value is always higher than cost.

# Avoid Index Funds – Not Right for You
If you are considering index funds for future SIPs, be cautious.

Index funds may seem simple. But they are passive.

Problems with Index Funds:
– They cannot avoid falling sectors
– No flexibility to protect downside
– No alpha generation
– You simply track the market, not beat it

You need active management to reach Rs. 5 crore corpus.

Choose actively managed diversified funds. Track, rebalance, and review.

# Retirement Plan – Build a Safe Withdrawal Model
At 60, your total wealth can be around Rs. 5 crore.

But wealth is not enough. You must also plan withdrawal carefully.

Suggestions:
– Don’t withdraw everything from mutual funds at once
– Use systematic withdrawal plans from 61 onwards
– Keep 2–3 years of expenses in debt funds or ultra-short funds
– Keep the rest in equity to grow further
– Review tax impact of withdrawals yearly

Retirement is not one-time event. It is a 25+ year journey.

Structure it well.

# Tax Awareness – Follow New MF Tax Rules
When you sell equity mutual funds:

– LTCG above Rs. 1.25 lakh taxed at 12.5%
– STCG taxed at 20%
– For debt MFs, all gains taxed as per slab

Plan Accordingly:
– Redeem equity after 1 year, up to Rs. 1.25 lakh tax-free
– Avoid selling large lump sums in short term
– Use SWP or phased redemptions post-retirement

Stay tax-efficient. It improves your net return.

Finally
You have built a strong base. You are thoughtful, disciplined, and well-protected.

With your income, savings, and assets, Rs. 5 crore retirement corpus is achievable.

Just follow these:

– Increase SIP every year
– Shift FDs to mutual funds slowly
– Reduce mid and small-cap post age 55
– Add hybrid and flexi-cap funds
– Tag funds to specific goals
– Review yearly with Certified Financial Planner
– Avoid index funds and direct plans
– Keep insurance and retirement plans separate
– Focus on asset allocation, not just returns

If you stay consistent, your retirement will be safe and stress-free.

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

Ans: Hello dear.
Without any hesitation, prefer GMC Punjab.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello Harpreet.
Prefer CSE @ Thapar if possible. If not, then go with ECE @ UIET. The final decision will be yours.

Good luck.
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Radheshyam

Ans: Hello Subhash.
Prefer BITS Hyderabad if possible. The final decision will be yours.

Good luck.
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Radheshyam

Ans: Hello Suraj
Rethink the option if possible.

Good luck.
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Radheshyam

Ans: Your current financial structure is solid. You have no loan burden. You have good assets and a clear purpose. Your daughter’s education is planned. And you are willing to invest regularly going forward.

Let us now do a complete 360-degree assessment. This will include your goal, income capacity, current assets, and best way forward. Your target of Rs. 5 crore in 5 years is very aggressive. But we will explore it deeply with a realistic lens.

# Monthly Income and Savings Potential – Good, But Stretch Limited

– Take-home salary: Rs. 2 lakh per month
– No loan or EMI burden
– Own home already

You are in a very comfortable monthly cash flow position. That is rare and commendable. You can save a big portion.

Suggestions:
– Save at least Rs. 1.3 to 1.5 lakh every month.
– Avoid lifestyle inflation.
– Avoid major new expenses for next 5 years.

This savings discipline will be your key wealth multiplier.

# Existing Assets – Useful but Need Careful Alignment

You have accumulated the following:

– Rs. 83 lakh in fixed deposits (for buying property)
– Rs. 18 lakh in PPF and SSY
– Rs. 45 lakh in EPF and NPS
– Rs. 5 lakh in stocks
– Rs. 10,000 SIP started in mutual funds

These assets are impressive in volume. But not all of them are wealth-growing.

Let us analyse each one and suggest what role they should play.

# Fixed Deposits – Safe but Weak in Wealth Building

Your Rs. 83 lakh in FD is earmarked for property.

You haven’t asked if you should buy or not, so we won’t suggest real estate.

Still, you must know:

– FD is not suitable for building large long-term wealth.
– Returns are taxable fully as per your income slab.
– Over 5 years, real returns (post inflation) are low.

If this Rs. 83 lakh is not used for property,
please reallocate it gradually into better assets.
You can shift monthly Rs. 5–7 lakh to suitable mutual funds.
Don’t do full lump sum. Go slow and steady.

# PPF and SSY – Safe and Locked

– PPF: Rs. 18 lakh
– SSY: Linked to daughter’s future

These are tax-free, safe schemes. Continue contributions as per limit.

But note:

– PPF is locked for 15 years. You cannot rely on it for short-term goals.
– SSY is also non-liquid. It is good for your daughter’s marriage.

So these funds are useful, but not flexible. Do not expect help from them in 5 years.

# EPF and NPS – Long-Term Retirement Tools

– EPF + NPS total: Rs. 45 lakh

These are retirement-focused. Not for short-term goals.

Do not disturb these for the Rs. 5 crore plan.

Also:

– NPS has partial liquidity after 3 years
– EPF is liquid only after retirement or special needs

Let these grow separately. These are your security post-age 60.

# Mutual Funds and Stocks – Your Real Growth Engine

You’ve started SIPs of Rs. 10,000 and invested Rs. 5 lakh in stocks.

This is good, but not enough to reach Rs. 5 crore in 5 years.

Here’s why:

– 5 years is a short time
– Equity may not give consistent returns every year
– Stocks are volatile and risky if done without strategy
– SIPs work better over 10–15 years

Still, this is the only path that can potentially create big wealth.

# Your Goal – Is Rs. 5 Crore in 5 Years Feasible?

Let’s now come to the key point.

You want to reach Rs. 5 crore by age 52. You currently have:

– Rs. 83 lakh in FD
– Rs. 5 lakh in stocks
– Rs. 10,000 SIP
– Rs. 2 lakh/month salary

Assume you save Rs. 1.5 lakh/month consistently for 5 years.
Even then, total invested will be Rs. 90 lakh.
To reach Rs. 5 crore, the entire portfolio must grow at a very high rate.

That is highly unrealistic in just 5 years.

Why this goal is aggressive:
– You would need 25–30% annual return consistently
– Markets don’t work that way
– Volatility and risk are too high
– One market fall can delay goal by 2–3 years

So, no, with your income and current assets, Rs. 5 crore in 5 years is not practical.

# A More Practical 5-Year Roadmap

Instead of aiming for Rs. 5 crore, aim for strong growth in assets.
You can try reaching Rs. 2.25 to 2.5 crore in 5 years with focused strategy.

This is possible with smart investing and tight expense control.

Do this:

– Deploy Rs. 1.5 lakh/month in mutual funds through SIP and STP
– Reallocate idle FDs (except emergency funds) slowly into hybrid and flexi-cap funds
– Keep stocks to below 10% of overall wealth
– Avoid property purchase if not essential

With this approach, you will create real, tax-efficient and flexible wealth.

# Mutual Fund Strategy – Structure it Properly

Since mutual funds are your main path, they must be well-structured.

Avoid random or one-time selection.

Ideal approach:

– Tag each fund to a clear goal
– Choose mix of flexi-cap, large & mid, and hybrid equity
– Add conservative hybrid or short-duration debt for risk buffer
– Don’t invest based on star ratings or past returns
– Avoid sectoral or thematic funds

Stick to 5–6 well-selected funds only.

Review every 6 months with a Certified Financial Planner and MFD.

# Avoid Index Funds and Direct Plans – They Limit Your Growth

If you are considering index funds or direct funds, think again.

These look cheap. But cheap is not always best.

Disadvantages of index funds:
– No flexibility in market ups and downs
– No protection in market corrections
– No smart switching during volatility
– Passive return, no chance of outperformance

Disadvantages of direct funds:
– No advice or personalised tracking
– You’ll miss rebalancing opportunities
– No emotional support during market falls
– No goal tracking and strategy corrections

Instead, go with regular plans through MFD and CFP.

You’ll pay a small cost but get high value in return.

# Emergency Planning – Set Aside and Stay Ready

You are a single parent. That means your daughter depends solely on you.

This increases your responsibility.

You must have:

– Rs. 10–12 lakh in emergency funds
– Health insurance of Rs. 25 lakh at least
– Life cover of Rs. 1 crore minimum
– Critical illness and accidental cover if not already taken

Emergency fund must be in liquid or ultra-short funds. Not in equity.

This cushion will give peace in uncertain times.

# Retirement Security – Don’t Forget Long-Term Horizon

Your current retirement corpus is Rs. 45 lakh in EPF and NPS.

If your daughter becomes financially independent in 8–10 years, you will need income only for yourself.

Still, retirement must be well-funded.

Do this:

– Allocate part of your MF portfolio for retirement corpus
– Don’t withdraw equity gains for short-term use
– Let a portion compound beyond 10–15 years
– Delay NPS withdrawal till 60
– PPF can be extended in 5-year blocks for post-retirement use

This strategy will help you remain financially free in old age.

# Stay Away From Investment-cum-Insurance Plans

You have not mentioned LIC, ULIPs or traditional plans.

If you have any such policies:

– Surrender them if they are not giving good return
– Redeploy the maturity amount to suitable MFs
– Insurance and investment should always be separate

Keep insurance pure. Keep investments goal-based.

This is essential for long-term financial health.

# Smart Tax Planning – Use Legal Benefits

Use these tools to lower taxes and increase savings:

– Max out PPF every year (Rs. 1.5 lakh)
– Continue SSY till maturity
– NPS contributions under 80CCD(1B) for extra deduction
– Use HRA, 80D, and Section 10 exemptions wherever applicable
– Use debt mutual funds for long-term parking, but with slab-wise taxation in mind

Remember new capital gains rules:

– Equity MFs: LTCG above Rs. 1.25 lakh taxed at 12.5%
– STCG on equity taxed at 20%
– Debt MFs: All gains taxed as per slab

So mix your portfolio wisely across time frames and categories.

Finally

You are in a strong financial position. You have no debt and multiple assets.

You have started the right habits at the right time.
Your risk is only in over-ambitious targets and under-diversified investments.

You will not reach Rs. 5 crore in 5 years with current structure.
But you can still reach Rs. 2.5 crore with smart investing.

That will put you in a secure place for yourself and your daughter.

Do this with patience, planning, and guidance from a trusted Certified Financial Planner.

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

Ans: Hello dear.
Prefer CSE + AI @ NSUT if possible. The final choice/decision will be yours.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello dear.
Please reconsider your decision. If you can find a better alternative, then go with it. The final decision will be yours.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: High Reliance on Property

– You have rental income of Rs.2 lakh monthly, with house value of Rs.15 crore.
– You also have land worth Rs.2 crore appreciating at 12–15% annually.
– Gold is Rs.10 lakh and savings are Rs.3 lakh.
– You have a personal loan of Rs.8 lakh, with EMIs of Rs.20,000 monthly.

Your wealth is heavily tied to real estate. You rely on that for both income and appreciation. That creates concentration risk. And it makes your financial future sensitive to property market trends or regulatory changes.

Why You Need Portfolio Diversification

– Having all wealth in one asset class is risky.
– Property prices can fall or be taxed more.
– Exposure to interest rates and occupier demand is high.
– Liquidity is poor; you cannot sell fast at good value.
– Lack of diversification limits upside and increases downside.

A more balanced portfolio gives you stability, regular income, and better access to opportunities outside of Bangalore real estate.

Clearing Personal Loan First

– You have Rs.8 lakh loan with Rs.20k monthly EMI.
– Interest on this adds burden to your cash flow.
– Priority is to clear it quickly.
– Freeing up Rs.20k per month helps your investments.

Reducing debt is key before channeling money into new assets.

Retain Emergency Buffer

Your savings are just Rs.3 lakh. After repaying loan, keep at least 6 months’ expenses. That must be Rs.6 lakh.
This is essential to cover unexpected costs without dipping into investments.

Assessing Your Goals

– Your current monthly surplus is approx Rs.1 lakh (Rs.2 lakh rental minus Rs.1 lakh expenses and Rs.20k EMI).
– Goal 1: Ensure cash flow remains stable.
– Goal 2: Grow and diversify wealth via multiple assets.
– Goal 3: Plan for child’s future and your retirement.

We need a 360-degree plan that addresses each goal carefully.

Do You Need to Sell Property?

Selling land can help diversify.
But think about:

– Liquidity requirement: How much do you need now?
– Tax impact: On long-term capital gain on land sale; reinvest into new assets.
– Property pipeline: Will you lose appreciation potential?

A balanced strategy may include partial sale to diversify. You don’t need to sell everything. You can keep some land if future growth is expected and liquidity is not urgent.

Diversify into Debt Instruments for Stability

Once personal loan is cleared, channel about Rs.50k per month into fixed income tools:

– Bank fixed deposits or corporate FDs
– Debt mutual funds with safety and monthly income
– Recurring deposit for discipline

These options provide:

– Regular interest payouts
– Low volatility
– Liquidity for near-term needs

This will give you a stable income base beyond rent.

Choose Actively Managed Funds for Growth

For medium to long-term goals, invest in actively managed equity or hybrid mutual funds via regular plans (through MFD guided by a CFP).

Why actively managed funds?

– Managers can shift holdings based on market conditions
– They can protect capital during downturns
– They have the potential to outperform index returns
– They can adapt allocation between sectors

Do not invest in index funds or ETFs. They lack flexibility and downside management. Their passive structure prevents proactive defence during market stress.

Why Avoid Direct Mutual Funds

Direct fund investing can be tempting because of lower fees. But:

– You lose expert guidance on portfolio shifts
– No one helps with tax-efficient redemption timing
– Behavioural bias can lead to panic selling
– You may select wrong funds due to lack of research

Regular plans via a Certified Financial Planner give you:

– Fund selection support
– Periodic portfolio review
– Discipline in rising or falling markets
– Tax-aware exit planning

Asset Allocation Across Asset Classes

Here’s a structured mix for your surplus:

– Debt and fixed income (35–40%)
– This supports your monthly income and short-term goals
– Equity mutual funds (30–35%) via active management
– Provides long-term growth and inflation protection
– Hybrid/dynamic funds (10–15%)
– Helps balance equity and debt automatically
– Gold/alternative assets (5–10%)
– Gold already present; consider systematic gold plans
– Property (remaining allocation)
– Keep rental house and selected land parcels

This allocation reduces concentration risk while preserving real estate exposure.

Systematic Investment Plan for Equity

– Start SIP with Rs.30k–50k per month into actively managed equity funds
– Increase SIP annually as surplus grows
– Choose funds with consistent performance and good management
– A Certified Financial Planner helps select based on risk and goals

This builds wealth steadily with professional oversight.

Tapping Reinvested Rental Income

Your rental income surplus should be reinvested systematically instead of being spent.
This helps compound wealth without touching your capital base.

Monitoring and Rebalancing Strategy

– Conduct annual portfolio reviews
– Rebalance back to original allocation if any class strays more than 5%
– Exit or top-up based on performance
– A Certified Financial Planner will guide this process
– This keeps your plan aligned to risk and goal needs

Tax Efficiency Matters

– Be aware of capital gain taxes if you sell land
– Equity fund LTCG above Rs.1.25 lakh taxed at 12.5%
– Debt fund gains taxed as per your slab
– Using long-term holding reduces taxes
– A CFP helps schedule sales to minimise tax impact

Proper tax planning can save several lakhs over time.

Plan for Child’s Future and Education

You have one child. Future education needs should be funded.
This is a 7–15 year goal.

How to plan:

– Allocate part of your equity investments for child goal
– Use debt for near-term milestones
– Keep education corpus separate from your retirement and lifestyle funds

A CFP helps create those goal-based buckets.

Retirement Income Planning

Although property gives rental income, it can vary.
Set up a retirement corpus via mutual funds and fixed income.

– Aim for ?30–40 lakh corpus initially
– Invest monthly in debt and hybrid funds
– Once children’s education is funded, shift equity towards retirement corpus

This ensures steady passive income post-retirement.

Maintain Liquidity Reservoir

– After loan clearance, aim for liquidity of Rs.10–15 lakh
– Keep in high-interest savings or liquid funds
– Use only for emergencies or sudden expenses
– Avoid disrupting your investment plan

Liquidity keeps you stable even during volatility.

Insurance and Risk Cover

You did not mention health or life insurance. Review these:

– Term cover for you and child’s future security
– Health cover for hospital and illness expenses
– Protects savings and assets from unexpected events

Insurance is necessary support but not a substitute for investment.

Should You Sell Land Now?

Selling some land can:

– Release Rs.2 crore capital
– Provide funds for alternative investments
– Help diversify
– You could keep part if you expect future appreciation in Bangalore

Rather than selling all, consider partial sale. Use released funds to:

– Clear debt
– Build liquid investments
– Diversify with equity and debt

Role of Certified Financial Planner

A CFP will:

– Analyse your full financial picture
– Help select and review investment funds
– Guide you on tax optimisation
– Assist in portfolio rebalancing
– Counsel you during market turbulence

This support ensures your plan stays on track.

Lifestyle and Spending Habits

Your living expenses are Rs.1 lakh monthly including education.

– Keep lifestyle expenses consistent
– Avoid unnecessary upgrades if they damage savings
– Use rental surplus to enhance lifestyle gradually

This approach balances comfort with fiscal prudence.

Action Plan Summary

Clear your personal loan quickly

Keep emergency fund of 6 months expenses

Reinvest rental surplus into debt and equity

SIP in actively managed equity funds via CFP

Maintain liquidity buffer of Rs.10–15 lakh

Consider partial land sale for diversification

Review and rebalance annually with CFP

Plan child’s education with separate investment pool

Build retirement corpus in debt and equity mix

Ensure proper insurance is in place

Finally

– Your current wealth is strong but too realty-heavy
– You have surplus cash flow each month
– Start diversifying now to handle future uncertainty
– Use a Certified Financial Planner to guide investments
– Education, liquidity, retirement all need secure funding
– Proper plan and discipline will make this shift smooth

Your foundation is strong. Diversifying carefully will help you grow wealth safely and meet life goals with confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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