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Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 06, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
chetan Question by chetan on Oct 15, 2023Hindi
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Hello sir, i am now 30. for last two years i have started investing in MF's & other instruments like HDFC mid cap 3000, SBI flexi cap 1000, Quant small cap 1000, HDFC multi cap 1000, lic 4000 & HDFC life sanchay 50000PA, all these are per month investment. Parallel i have some investment in stocks. Kindly guide me for getting financial independence at 50 with monthly income of around 50k to 70k after retirement.

Ans: At present, SIPs of Rs. 10,000 is ongoing in your portfolio and if you continue the same for the next 20 years (till 50 years of age), you will be accumulating Rs. 1 Cr approx. @12% returns. If we consider inflation @6%, portfolio return @12%, you can easily take the SWP (after 20 years from 2044 onwards) of below mentioned amounts from your portfolio.

• Rs. 50,000 p.m. (adding inflation 6% every year) can be taken till 90 years of age
• Rs. 60,000 p.m. (adding inflation 6% every year) can be taken till 77 years of age
• Rs. 70,000 p.m. (adding inflation 6% every year) can be taken till 70 years of age
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  |6568 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

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Hello Mr. Ulhas, I am 46yrs old, and a new comer in share market. Need some advise to build stable income for my retirement. Please suggest some stocks or Mutual Funds which can help me in building at least an amount of ?80,000/- PM from age of 61yrd
Ans: At 46, planning for a stable retirement income shows foresight and wisdom. This proactive approach will ensure a secure future.

Understanding Retirement Needs
Analyzing Income Requirement:

You aim to generate Rs. 80,000 per month from the age of 61. This translates to Rs. 9.6 lakhs annually.

Estimating Corpus Needed:

To generate Rs. 80,000 per month, you will need a substantial retirement corpus. Typically, withdrawing 4-5% of your corpus annually is considered safe.

Investment Strategy
Balanced Approach:

For a stable retirement income, a balanced approach is essential. Diversify between equity and debt to reduce risk.

Equity Investments:

Equities offer higher returns but come with higher risk. Invest in well-performing mutual funds and a few stable stocks.

Debt Investments:

Debt instruments provide stability and regular income. Include debt mutual funds, fixed deposits, and bonds in your portfolio.

Mutual Fund Recommendations
Diversified Equity Funds:

Invest in diversified equity mutual funds for long-term growth. These funds spread investments across sectors, reducing risk.

Large-Cap Funds:

Large-cap funds invest in well-established companies. These funds are less volatile and provide stable returns.

Balanced Funds:

Balanced or hybrid funds invest in both equity and debt. They provide growth with reduced risk.

Stock Recommendations
Blue-Chip Stocks:

Blue-chip stocks are shares of large, reputable companies. They offer stable returns and are less risky.

Dividend Stocks:

Invest in stocks that consistently pay dividends. They provide regular income and are generally stable.

Sample Portfolio Allocation
Equity Mutual Funds:

Diversified Equity Fund: 30%
Large-Cap Fund: 20%
Balanced Fund: 20%
Debt Instruments:

Debt Mutual Funds: 20%
Fixed Deposits and Bonds: 10%
SIP and Lump Sum Investments
Systematic Investment Plan (SIP):

Start SIPs in mutual funds for disciplined investing. It averages out the purchase cost and reduces market timing risk.

Lump Sum Investments:

If you have a lump sum amount, invest it strategically. Consider current market conditions and distribute across funds.

Regular Review and Rebalancing
Quarterly Review:

Review your portfolio quarterly. Ensure it aligns with your goals and make necessary adjustments.

Annual Rebalancing:

Rebalance your portfolio annually. Maintain your desired asset allocation by adjusting equity and debt investments.

Risk Management
Diversification:

Diversify your investments to spread risk. Invest across different sectors and asset classes.

Emergency Fund:

Maintain an emergency fund for unexpected expenses. It should cover 6-12 months of expenses.

Tax Efficiency
Tax-Saving Investments:

Utilize tax-saving options under Section 80C. Invest in ELSS funds, PPF, and other tax-efficient instruments.

Capital Gains Tax:

Plan for long-term capital gains tax. Hold investments for over a year to benefit from lower tax rates.

Monitoring Market Trends
Stay Informed:

Keep updated with market trends and economic indicators. This helps in making informed investment decisions.

Seek Professional Advice:

Consult a Certified Financial Planner (CFP) for personalized advice. They can provide insights based on your specific needs.

Preparing for Retirement
Estimate Expenses:

Estimate your retirement expenses. Include inflation and unexpected costs to ensure you have enough funds.

Create a Withdrawal Strategy:

Plan a withdrawal strategy for your retirement corpus. Withdraw 4-5% annually to sustain your income and corpus.

Conclusion
You are on the right path by planning for your retirement. By diversifying your investments and regularly reviewing your portfolio, you can achieve a stable and secure retirement income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2024

Asked by Anonymous - May 27, 2024Hindi
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I'm 26. I started investment at the age of 23. I'm Investing 10k monthly on SIP of 4 funds of small,mid and large cap. Also started doing swing trading. Can you suggest any particular plans or ideas to be able to financially independent before 50.
Ans: Understanding Your Financial Goals
You are 26 years old and have been investing Rs. 10,000 monthly in SIPs across small, mid, and large-cap funds since the age of 23. You also engage in swing trading. Your goal is to achieve financial independence before turning 50. This is a commendable ambition, and starting early gives you a significant advantage.

Evaluating Your Current Investments
Your current investment strategy is diverse, which is excellent. Investing in small, mid, and large-cap funds provides a balanced exposure to different market segments. Small and mid-cap funds offer high growth potential, while large-cap funds provide stability. Additionally, swing trading can generate additional income if done wisely.

Long-Term Investment Strategy
Achieving financial independence by 50 requires a well-thought-out plan. Here are some strategies to help you reach your goal:

Increase SIP Contributions: Gradually increase your SIP contributions as your income grows. Even small increments can significantly boost your corpus over time.

Diversify Investments: Consider diversifying further into debt funds, international funds, and hybrid funds. This helps in managing risk and ensuring steady returns.

Focus on Equity Funds: Since you have a long investment horizon, equity funds are ideal for capital growth. Maintain a good mix of small, mid, and large-cap funds to balance risk and return.

Emergency Fund: Ensure you have an emergency fund covering 6-12 months of expenses. This fund should be easily accessible and kept in a liquid or short-term debt fund.

Swing Trading Considerations
Swing trading can be profitable but also risky. Here are some tips to manage your swing trading activities:

Risk Management: Set strict stop-loss orders to limit potential losses. Never risk more than 2-3% of your trading capital on a single trade.

Continuous Learning: Stay updated with market trends and continuously educate yourself. Use reliable sources and analysis tools to make informed decisions.

Separate Trading Capital: Keep your swing trading capital separate from your long-term investments. This prevents your trading activities from impacting your core investments.

Regular Monitoring and Rebalancing
Portfolio Review: Regularly review your investment portfolio to ensure it aligns with your financial goals. Rebalance your portfolio at least once a year.

Performance Evaluation: Compare the performance of your funds against their benchmarks and peers. Replace underperforming funds with better-performing ones.

Adjusting Asset Allocation: As you approach your goal, gradually shift your asset allocation towards more stable investments to protect your accumulated wealth.

Tax Planning
Tax-Efficient Investments: Invest in tax-saving instruments like ELSS (Equity Linked Savings Scheme) to benefit from Section 80C deductions.

Long-Term Capital Gains: Aim for long-term investments to benefit from favorable long-term capital gains tax rates.

Regular Tax Review: Review your tax situation regularly and consult a tax advisor if needed to optimize your tax liabilities.

Role of Certified Financial Planner
Consulting a Certified Financial Planner (CFP) can provide you with tailored advice. A CFP can help you create a comprehensive financial plan, select suitable investment options, and monitor your progress. Regular consultations ensure you stay on track and adapt to changing circumstances.

Benefits of Actively Managed Funds
Investing in actively managed funds can offer several advantages. Fund managers actively make investment decisions to outperform the market. These funds can adapt to market changes and capitalize on opportunities, potentially providing higher returns. By investing through a Mutual Fund Distributor (MFD) with CFP credentials, you gain access to professional advice and expertise, ensuring better fund selection and management.

Avoiding Real Estate and Annuities
Real estate can be an illiquid and high-maintenance investment. Instead, focus on financial assets like mutual funds, which offer liquidity, diversification, and professional management. Annuities are generally inflexible and come with high fees. Mutual funds provide more flexibility and potential for growth.

Conclusion
Your proactive approach to investing at a young age is commendable. By increasing your SIP contributions, diversifying your portfolio, managing swing trading risks, and regularly reviewing your investments, you can achieve financial independence by 50. Consulting with a Certified Financial Planner will further enhance your strategy and help you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 07, 2024

Asked by Anonymous - Jun 03, 2024Hindi
Money
I am 41 year old and have paper assets of Rs.80 lacs and housing loan of Rs.40 lacs. My net post-tax monthly income is Rs.2 lacs and I invest Rs.1 lacs of it in mutual fund (SIP). I stay in Pune (India), am married and plan to have no kids in future. I run the household expenses. I would like to retire in next 10 years. Will the current financial trajectory help me achieve financial independence? Or do I have to supplement it with some side income?
Ans: Achieving financial independence and planning for early retirement at 51 is a commendable goal. With careful planning, disciplined saving, and smart investing, it's certainly within reach. Let’s analyze your current financial situation and develop a strategy to ensure you achieve your goals.

Current Financial Snapshot

Income and Expenses:

Your net post-tax monthly income is Rs. 2 lakhs.
You invest Rs. 1 lakh monthly in mutual funds through SIP.
You run the household expenses with the remaining Rs. 1 lakh.
Assets and Liabilities:

Paper assets worth Rs. 80 lakhs.
Housing loan of Rs. 40 lakhs.
Financial Goals and Timeline

Target Retirement Age:

You plan to retire at 51, which gives you a 10-year window.
Desired Corpus:

Calculate the corpus required to sustain your lifestyle post-retirement.
Consider factors such as inflation, healthcare costs, and life expectancy.
Assessment of Current Investments

SIP in Mutual Funds:

Investing Rs. 1 lakh monthly in SIPs is a strong strategy.
Over 10 years, assuming an average annual return of 12%, this could grow substantially.
Growth Projection:

Use a financial calculator to estimate future value of your SIP investments.
Rs. 1 lakh per month for 10 years at 12% annual return can grow to approximately Rs. 2.3 crores.
Evaluating Existing Debt

Housing Loan:

Outstanding loan of Rs. 40 lakhs.
Assess the interest rate and tenure of the loan.
Consider prepaying the loan to reduce interest burden.
Debt Repayment Strategy:

Allocate a portion of your monthly savings to prepay the loan.
Aim to be debt-free by retirement.
Additional Investment Strategies

Diversification:

Diversify investments across various asset classes.
Include equity mutual funds, debt funds, and balanced funds.
Equity Mutual Funds:

Focus on actively managed equity funds for higher returns.
Diversify across large-cap, mid-cap, and small-cap funds.
Debt Funds:

Invest in debt funds for stability and lower risk.
Consider a mix of short-term and long-term debt funds.
Public Provident Fund (PPF):

PPF offers tax-free returns and is a safe investment.
Invest the maximum permissible amount annually.
Tax Planning and Efficiency

Tax-Saving Investments:

Maximize investments in ELSS for tax benefits under Section 80C.
Utilize the Rs. 1.5 lakh limit for tax deductions.
Health Insurance:

Invest in health insurance for additional tax benefits under Section 80D.
Secure your family's health and save on taxes.
Emergency Fund and Contingency Planning

Emergency Fund:

Maintain an emergency fund equivalent to 6 months of expenses.
This ensures liquidity without disturbing long-term investments.
Contingency Planning:

Plan for unforeseen events like job loss or medical emergencies.
Keep a portion of your investments easily accessible.
Reviewing Insurance Policies

Term Insurance:

Ensure you have adequate term insurance coverage.
Term plans offer high coverage at low premiums.
Evaluating Existing Policies:

Review any existing LIC, ULIP, or endowment policies.
Consider surrendering low-yield policies and reinvesting in higher-return options.
Supplementing with Side Income

Additional Income Streams:

Explore opportunities for additional income to boost savings.
Consider part-time work, freelancing, or passive income sources.
Passive Income:

Invest in assets that generate passive income.
This could include dividends from stocks or interest from bonds.
Retirement Corpus Calculation

Estimating Required Corpus:

Calculate the corpus needed based on current expenses and inflation.
Consider a conservative estimate for post-retirement expenses.
Retirement Planning Tools:

Use retirement calculators to estimate the required corpus.
Factor in inflation, healthcare costs, and lifestyle changes.
Regular Portfolio Review and Rebalancing

Periodic Review:

Review your investment portfolio every six months.
Adjust allocations based on market performance and financial goals.
Rebalancing Portfolio:

Rebalance your portfolio to maintain the desired asset allocation.
Sell over-performing assets and reinvest in under-performing ones.
Long-Term Investment Horizon

Power of Compounding:

Start investing immediately to leverage compounding.
Even small amounts grow significantly over time.
Staying Invested:

Avoid withdrawing investments prematurely.
Stay invested through market fluctuations for long-term growth.
Financial Discipline and Consistency

Automated Investments:

Set up automated transfers to your investment accounts.
Ensure consistency in your savings and investments.
Avoiding Unnecessary Expenditures:

Practice financial discipline by avoiding impulsive spending.
Prioritize saving and investing over luxury expenses.
Educating Yourself on Financial Planning

Continuous Learning:

Stay updated with financial news and market trends.
Read books, attend webinars, and follow financial blogs.
Consulting a Certified Financial Planner (CFP):

Seek professional advice for personalized financial strategies.
A CFP can provide tailored plans and help optimize your investments.
Final Insights

Achieving financial independence and planning for early retirement at 51 is possible with disciplined planning and strategic investments. Start by understanding your current financial situation, balancing your home loan with investments, and creating a diversified portfolio. Prioritize tax-efficient investments and ensure adequate insurance coverage. Maintain an emergency fund, regularly review your portfolio, and stay consistent with your investments. Consider additional income streams and continuously educate yourself on financial planning. Consulting a Certified Financial Planner can provide personalized advice and help you achieve your financial goals. With dedication and smart strategies, you can secure a prosperous future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6568 Answers  |Ask -

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

Asked by Anonymous - Jun 19, 2024Hindi
Money
Hello Gurus, I am 29 yr old male having salary of 1.6 lakhs/month. I have 3+ lakh of corpus in equity. I want financial independence by the age of 45. How should I plan?
Ans: Achieving financial independence by 45 is a commendable goal. At 29, you have a strong foundation to work with. Your salary of Rs. 1.6 lakhs per month and Rs. 3+ lakh equity corpus are good starting points. Let's assess and plan how you can achieve financial independence by 45.

Assessing Your Current Financial Situation
Before diving into the investment strategy, it's essential to understand your current financial position:

You are 29 years old with a stable monthly income of Rs. 1.6 lakhs.
You have an existing corpus of over Rs. 3 lakhs in equity.
Your goal is to achieve financial independence in 16 years.
Understanding these key aspects helps in structuring a robust plan.

Prioritising Financial Independence
Financial independence means having enough wealth to live off passive income without relying on your job. We will focus on accumulating a substantial corpus that generates sufficient passive income by the time you turn 45.

Investment Strategy for Long-Term Wealth Creation
1. Diversified Equity Mutual Funds

Investing in diversified equity mutual funds is crucial for long-term wealth creation. These funds offer higher returns, which are necessary to outpace inflation and build a substantial corpus. Allocate a significant portion of your monthly savings to actively managed equity mutual funds. These funds, chosen with the help of a Certified Financial Planner, can provide better returns compared to index funds.

2. Regular vs. Direct Mutual Funds

Investing in regular mutual funds through a Certified Financial Planner has its advantages. While direct funds may have lower expense ratios, regular funds offer professional guidance. This ensures that your investments are well-managed and aligned with your financial goals. The value of advice often outweighs the marginal cost difference.

3. Systematic Investment Plans (SIPs)

Start or continue investing in SIPs with a focus on long-term growth. SIPs help in rupee cost averaging and reduce the impact of market volatility. By investing a fixed amount monthly, you build wealth steadily over time. Make sure to review and adjust your SIPs annually based on your progress and market conditions.

4. Diversification Beyond Equity

While equity is essential for growth, diversifying into other asset classes is also important. Consider allocating a portion of your investments into debt funds, gold funds, and PPF. This diversification balances risk and ensures steady returns. Each asset class behaves differently, and this mix will protect your portfolio against market downturns.

Building an Emergency Fund
An emergency fund is a safety net that protects your financial plan. Set aside funds that cover at least six months of living expenses. This fund should be liquid and easily accessible, like in a savings account or liquid mutual fund. Having this buffer ensures that you don’t have to dip into your investment corpus during unexpected situations.

Maximising Tax Efficiency
1. Tax-Saving Investments

Utilise tax-saving options under Section 80C, 80D, and 80CCD. Investments like PPF, ELSS, and NPS not only reduce your tax liability but also contribute to your long-term goals. Be mindful of the lock-in periods and liquidity of these investments to ensure they align with your overall financial plan.

2. Strategic Asset Allocation

Strategic asset allocation can optimise tax efficiency. By balancing your portfolio across different investment vehicles, you can minimise tax on returns. For example, long-term capital gains in equity are taxed differently from debt. Work with a Certified Financial Planner to ensure your portfolio is tax-efficient.

Risk Management
1. Insurance

Adequate insurance is a critical component of financial planning. Ensure you have sufficient life and health insurance coverage. Life insurance should cover at least 10-15 times your annual income. Health insurance should provide comprehensive coverage, considering your age and health status.

2. Avoiding Over-Reliance on Equities

While equities are essential for growth, over-reliance can be risky. Ensure your portfolio is well-diversified to include debt and other low-risk investments. This protects your wealth during market downturns and ensures stable returns.

Regular Monitoring and Review
1. Annual Review

Your investment strategy should be reviewed annually. Evaluate the performance of your portfolio, adjust SIP amounts, and rebalance asset allocation if needed. This keeps your investments aligned with your goal of financial independence by 45.

2. Adjusting for Life Changes

Life changes like marriage, children, or job changes can impact your financial goals. Reassess your financial plan whenever there’s a significant change in your life. Adjust your investment strategy to ensure that your plan remains on track.

Planning for Retirement
Even though your primary goal is financial independence by 45, it's essential to consider retirement planning. Ensuring a comfortable retirement involves planning for a longer horizon beyond 45. By focusing on both goals simultaneously, you create a more robust financial plan.

1. NPS and PPF Contributions

Consider contributing to the National Pension System (NPS) and Public Provident Fund (PPF). These long-term, government-backed schemes provide stability and tax benefits. While they offer lower returns compared to equities, they add a layer of security to your retirement planning.

2. Debt and Fixed Income Investments

In the years leading up to 45, gradually increase your allocation to debt and fixed-income investments. This reduces the volatility of your portfolio and secures the wealth you've accumulated. Debt investments like bonds, fixed deposits, and debt mutual funds offer stable, predictable returns.

Building Passive Income through Systematic Withdrawal Plans (SWP)
Creating a reliable passive income stream is essential for achieving financial independence, especially when planning to retire early or supplementing your income post-retirement. A Systematic Withdrawal Plan (SWP) can be a smart way to generate regular income from your investments while maintaining the growth potential of your corpus.

What is a Systematic Withdrawal Plan (SWP)?
An SWP allows you to withdraw a fixed amount of money from your mutual fund investments at regular intervals, such as monthly, quarterly, or annually. This strategy provides a steady income stream while your remaining investment continues to grow. It’s an effective way to convert your lump-sum investment into a consistent cash flow.

Advantages of Using SWP for Passive Income
1. Regular Income with Flexibility

SWP provides a predictable and regular income, which can be adjusted according to your needs. Whether you want monthly, quarterly, or annual payouts, SWP offers flexibility in setting the withdrawal amount and frequency.

2. Tax Efficiency

SWP is more tax-efficient compared to traditional fixed income options like fixed deposits. The withdrawals are considered a combination of capital and gains, which can result in lower tax liability, especially if you fall into a higher tax bracket.

3. Capital Appreciation

Even as you withdraw regularly, the remaining investment in your mutual fund continues to grow. This allows you to enjoy the benefits of capital appreciation while simultaneously receiving an income.

4. Control Over Your Investments

SWP allows you to retain control over your investments, unlike annuities where your capital is locked in. You can adjust your withdrawal amount or stop it altogether if your financial situation changes.

Implementing SWP for Passive Income
1. Choose the Right Mutual Fund

For SWP, it’s crucial to choose a mutual fund that aligns with your risk appetite and income needs. Generally, balanced funds, equity funds, or debt funds with a moderate to low-risk profile are preferred. These funds offer a mix of growth and stability, ensuring that your corpus is not significantly eroded over time.

2. Determine the Withdrawal Amount

Calculate the monthly or quarterly withdrawal amount based on your income needs and the size of your corpus. A common strategy is to withdraw 4-6% annually, which allows your corpus to last longer while still providing a steady income.

3. Start SWP After Building a Substantial Corpus

Before starting an SWP, ensure that you have accumulated a substantial corpus in your mutual fund. This ensures that the withdrawals will not significantly impact the growth of your investment, allowing you to enjoy a longer-lasting income stream.

4. Monitor and Adjust

Regularly monitor the performance of your mutual fund and the effectiveness of your SWP. If the market conditions change or your income needs increase, consider adjusting the withdrawal amount or frequency.

Considerations When Using SWP for Passive Income
1. Impact on Principal

While SWP provides a steady income, it’s essential to understand that regular withdrawals can reduce your principal over time, especially during market downturns. To mitigate this, choose funds with a good track record of consistent returns and avoid aggressive withdrawal amounts.

2. Market Risks

Since SWP relies on mutual fund investments, it’s subject to market risks. In volatile markets, the value of your remaining investment may fluctuate, impacting the sustainability of your withdrawals. Diversifying your investments across different asset classes can help manage this risk.

3. Inflation Protection

Ensure that the funds you choose for SWP have the potential to provide returns that outpace inflation. Over time, inflation can erode the purchasing power of your withdrawals, so selecting funds with growth potential is critical.

Using SWP Alongside Other Strategies
1. Combining SWP with Dividend Income

If you have investments in dividend-yielding funds or stocks, you can combine the income from SWP with dividend payouts. This creates multiple income streams, providing more stability and flexibility in your financial plan.

2. Integrating SWP with PPF and NPS Withdrawals

As you approach retirement or financial independence, you may also have other savings like PPF or NPS. These can be used strategically alongside SWP to ensure a well-rounded income plan. For instance, you can use the SWP for your monthly expenses while keeping your PPF and NPS as long-term growth vehicles.

Final Insights
An SWP is a powerful tool for generating passive income, especially if you aim to achieve financial independence or require a steady income stream in retirement. By carefully selecting your mutual funds, determining a sustainable withdrawal rate, and regularly reviewing your plan, you can create a reliable and tax-efficient income source.

Remember, the key to a successful SWP strategy lies in the balance—ensuring that you withdraw enough to meet your needs without eroding your principal too quickly. With thoughtful planning and disciplined execution, SWP can be a cornerstone of your financial independence plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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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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