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33-Year-Old with Young Children: How to Secure Retirement and Education?

Milind

Milind Vadjikar  |1120 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 17, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Venkat Question by Venkat on Feb 17, 2025Hindi
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Hello sir, I am 33years old and like to have a stable life with a good retirement corpus along with children education. I have 2 sons both are of 1 and 3years old respectively and my wife is a housewife. I am having FD of 16L, 10L in gold, bought a flat paying housing loan EMI of 25K, having term insurance for 1cr and health insurance for 4L. I am making investments in mutual funds SIP of 30k since last 1 year. Hdfc dividend yeild fund 1000 Icici bluechip fund 8000 Quant small cap fund 1000 Canara robecco small cap fund 1000 Uti nifty index fund 5000 Icici balanced advantage fund 5000 Jm flexicap fund 2000 Quant elss fund 5000 Parag pareekh flexicap fund 2000 Lumsum Investments Sbi healthcare fund 20K Quant infrastruture fund 10k Sbi magnum gilt fund 20k Plz advice....am i really doing good with these investments or shall i replan my investments....

Ans: Hello;

Having 12 funds(9 sip+3 lumpsum) in portfolio is not required.

You need to just 4 funds for your sip of 30 K(divided equally):
1. Flexicap fund
2. Large and midcap fund
3. Balanced advantage fund
4. Multi asset allocation fund

You may consider exiting the sectoral, thematic and debt fund owned by you and redeploy it in your regular funds.

This ensures equity(large cap oriented)is predominant asset class in your portfolio but it also has exposure to debt and gold for balance and risk mitigation.

Also keep a target to step up sip amount every year by 7-10% atleast.

This will go towards higher education provision for your kids. (~1.85 Cr in 15 years considering 7% annual top-up and 10% modest returns)

For your retirement planning you may consider NPS and start with a decent amount(~30 K pm) as regular investment since time is on your side(27 years to hit 60 age).[3.45 Cr in 27 years without any step up consideration. 8% returns assumed].

Consider buying home loan insurance and super top-up health cover.

Happy Investing;
X: @mars_invest
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  |8125 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

Asked by Anonymous - May 09, 2024Hindi
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I am 39 Years. Started investing in 38K in 10K PPAS flexi cap,10K Quant Momentum fund, 5K Nippon Index Fund,1K SBI smallcap Fund,1K Canara Robaco emerging equity,3KQuant Quantamental fund,1K Quant infrastructure fund,1K Whiteoak Large and Midcap fund,2K Tata Midcap Momentum fund,1K Mirare asset Multicap,1K Eddelwise Multicap, 1K Nippon Multicap and 1K Quant Multiasset fund in SIP mode. I have also around 2.5 Lacs Lumps MF in various MF invested. Besides I have RD of monthly 35K. I have corpus in NPS around 33 Lacs. Also I have direct equity around 2Lacs. I have one housing loan 17 lacs. Monthly emi 15k. I have health insurance of 15Lacs. My monthly income is 2Lacs. I have 2 son. One is 1oYr and another one is 2 yr. I need to retire early and want to expense in my child education. Does my portfolio is in right track or I should think differently.
Ans: Crafting a Comprehensive Financial Roadmap for Early Retirement and Children's Education
As a 39-year-old with a robust investment portfolio and a clear vision for early retirement and children's education, your proactive approach towards financial planning is commendable. Let's conduct a thorough review of your current portfolio and chart a strategic path towards achieving your aspirations.

Evaluating Your Investment Portfolio
Your investment portfolio exhibits a diversified mix of mutual funds, direct equity, NPS, and recurring deposits, reflecting a well-rounded approach to wealth accumulation. With a monthly SIP commitment across various funds and a substantial lump sum investment, you've positioned yourself for long-term growth potential.

Analyzing Asset Allocation and Risk Management
The allocation towards mutual funds spanning flexi-cap, momentum, index funds, and multi-cap categories demonstrates a balanced approach towards capital appreciation and risk mitigation. Additionally, the inclusion of direct equity and NPS further enhances portfolio diversification and resilience against market volatility.

Assessing Debt Obligations and Financial Commitments
While your housing loan entails a manageable monthly EMI of ?15,000, it's essential to evaluate its impact on your overall financial health and retirement planning. Striking a balance between debt repayment and wealth accumulation is paramount to ensure sustained progress towards your financial goals.

Planning for Early Retirement and Children's Education
Your aspiration for early retirement necessitates a proactive savings and investment strategy, augmented by prudent asset allocation and systematic contributions to long-term wealth-building avenues. Additionally, earmarking funds for your children's education underscores your commitment to their future well-being and academic pursuits.

Providing Strategic Recommendations
To align your portfolio with your overarching objectives of early retirement and children's education, consider the following recommendations:

Optimize Asset Allocation: Review and rebalance your portfolio periodically to ensure alignment with your risk tolerance and investment horizon.

Prioritize Debt Repayment: Explore strategies to expedite housing loan repayment while maintaining a steady pace of wealth accumulation towards retirement and education goals.

Maximize Tax-Efficiency: Leverage tax-saving opportunities offered by instruments like NPS and equity-linked savings schemes (ELSS) to optimize your tax liabilities and enhance overall returns.

Enhance Contingency Planning: Ensure adequate emergency funds and insurance coverage to safeguard against unforeseen expenses and mitigate financial risks.

Conclusion: Navigating Towards Financial Freedom and Family Well-being
In conclusion, your proactive approach towards financial planning, coupled with a diversified investment portfolio and clear goals, lays a solid foundation for achieving early retirement and securing your children's education. By adhering to a disciplined savings regime, prudent asset allocation, and strategic decision-making, you're well-positioned to navigate the journey towards financial freedom and family well-being with confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |8125 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2024

Asked by Anonymous - May 12, 2024Hindi
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Hi sir, im 41. Started my investment a couple of months ago. 3 lacs in motilal midcap, quant small cap together. And a monthly sip of 5000 each on Canara robeco infrastructure, franklin templeton focused , icici prudential bond fund, sbi magnum income fund, uti nifty 200 index, parag parikh flexicap,JM flexicap , 300 in quant flexicap, and 2000 in hdfc flexicap.. i have 2 daughters aged 12 and 10. I require funds for education and marriage.. are my choices ok? Anything to switch? And howlong to hold these funds.. pls suggest
Ans: It's commendable that you've started investing and are thinking ahead for your daughters' education and marriage. Let's review your current investment choices and see if any adjustments are needed.

Your portfolio seems diversified across various mutual funds, covering different segments of the market. However, it's essential to ensure that your investments align with your financial goals and risk tolerance.

Given your daughters' ages and the timeframe for their education and marriage, you have a reasonably long investment horizon. This allows you to consider a balanced approach between growth-oriented and stable investments.

Regarding specific funds, while I can't provide detailed recommendations on individual schemes, I can offer some general guidance. Evaluate each fund's performance, expense ratio, and consistency over time. Ensure that the funds you've chosen have a track record of delivering returns in line with your expectations and risk profile.

Regularly monitor your portfolio's performance and make adjustments as needed. As your daughters' milestones approach, you may consider gradually shifting your investments to more conservative options to safeguard the capital.

Remember, investing is a long-term commitment, and patience is key. Stick to your investment strategy, and avoid making impulsive decisions based on short-term market fluctuations.

Consider consulting with a Certified Financial Planner to get personalized advice tailored to your financial goals and family needs. They can help you fine-tune your investment strategy and ensure you're on track to meet your objectives.

Keep up the good work with your investments, and stay focused on your long-term financial goals!

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8125 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Am 34 yr old, I hav 60k income monthly & EPF 4k monthly. Am investing in PPF 2k, maxlife insurance Savings plan - 5k, UTI flexi cap fund - 2k, SBI contra- 0.5k & nippan India small cap- 0.5k since from year. Pls suggest any changes are required or else can i continue
Ans: You are on the right track by investing regularly and diversifying your portfolio. Your disciplined approach to saving and investing is commendable. Let’s assess your current investments and suggest any necessary changes.

Evaluating Your Current Investments
PPF Contribution: Investing ?2,000 monthly in PPF is a good choice for stable, tax-free returns. PPF is a safe investment with government backing.

EPF Contribution: Your EPF contribution of ?4,000 per month is a secure and tax-efficient way to build a retirement corpus.

Max Life Insurance Savings Plan: The ?5,000 investment in a savings plan combines insurance and savings. However, the returns on such plans are often lower compared to pure investment products. Ensure you have adequate life cover through term insurance.

UTI Flexi Cap Fund: Investing ?2,000 in a flexi cap fund offers good diversification across large, mid, and small-cap stocks, providing a balanced risk-reward ratio.

SBI Contra Fund: The ?500 investment in a contra fund can be beneficial as it follows a contrarian investment strategy, buying stocks that are currently out of favour but have growth potential.

Nippon India Small Cap Fund: Small cap funds, though risky, can offer high returns over the long term. Your ?500 investment here adds to your growth potential.

Suggested Changes for Optimal Growth
Review Insurance Plan: Consider whether the Max Life Savings Plan meets your financial goals. Pure term insurance combined with higher returns from mutual funds might be more efficient. Term plans offer high coverage at a lower premium.

Increase SIP in Diversified Funds: You might consider increasing your SIP amount in diversified funds like the UTI Flexi Cap Fund. This fund balances risk and return by investing across different market capitalisations.

Balanced Asset Allocation: Ensure your portfolio has a good mix of equity and debt. You may consider investing in a balanced or hybrid fund, which provides exposure to both equities and debt, offering growth with reduced risk.

Regular Monitoring: Review your portfolio periodically to ensure it aligns with your financial goals. Market conditions and personal circumstances can change, necessitating adjustments.

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

Additional Recommendations
Health Insurance: Ensure you have adequate health insurance coverage. This protects your savings from unforeseen medical expenses.

Retirement Planning: Given your age, consider long-term retirement planning. Increase contributions to retirement-specific investments like PPF and EPF. You could also look at the National Pension System (NPS) for additional retirement savings.

Tax Planning: Maximise your tax-saving investments under Section 80C and other relevant sections. This optimises your tax liabilities and increases your disposable income.

Final Thoughts
Your current investment strategy shows a good start, but a few adjustments can optimise your portfolio for better returns and reduced risk. Consider reviewing your insurance plans, increasing SIPs in diversified funds, and maintaining a balanced asset allocation. Regularly monitor your investments and seek professional advice to stay on track with your financial goals. Your disciplined approach will help you achieve financial stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |8125 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 31, 2025

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Hi Sir, I am 37 year old. I have 2 kids. My Monthly Income is around 84000Rs. I am doing one monthly Regular plan SIP 20000 Rs in mutual fund through financial adviser over 6 years (Totally invested 130000 Rs and corpus is 175000Rs) and another Regular plan SIP 30000Rs started in 2024 (Totally invested is 350000 and total corpus is 380000Rs). Also i am doing Yearly 50000 Rs in NPS and 5000 SIP in SSA and 1000Rs in PPF. My total corpus in last 6 years is around 25L. I have 1L in Liquid fund. I have no debt & loan EMI etc as of now. Can you please advice whether i am going right way or anything i need to improve? Please advice .
Ans: You earn Rs. 84,000 per month.

You invest Rs. 20,000 per month in one mutual fund SIP. This has been ongoing for six years. Your total investment is Rs. 13,00,000, and the current corpus is Rs. 17,50,000.

You started another mutual fund SIP of Rs. 30,000 per month in 2024. You have invested Rs. 3,50,000, and the corpus is Rs. 3,80,000.

You invest Rs. 50,000 per year in NPS.

You invest Rs. 5,000 per month in Sukanya Samriddhi Account (SSA).

You invest Rs. 1,000 per month in PPF.

Your total corpus over the last six years is Rs. 25 lakh.

You hold Rs. 1 lakh in a liquid fund.

You have no loans or EMIs.

Your disciplined approach to investing is a positive step. You are creating long-term wealth and securing your financial future.

Strengths in Your Financial Plan
? Consistent Investments: You are investing 60% of your income in mutual funds and other instruments. This is a strong savings habit.

? Debt-Free Status: You have no EMIs or loans. This gives you financial flexibility.

? Diversified Portfolio: You invest in mutual funds, NPS, PPF, and SSA. This balance is good for risk management.

? Emergency Fund: You have Rs. 1 lakh in a liquid fund. This is helpful for unexpected expenses.

Areas of Improvement
1. Emergency Fund Needs Strengthening
Your emergency fund should be at least six months of expenses.

If your monthly expenses are Rs. 40,000, your emergency fund should be Rs. 2.4 lakh.

Increase your liquid fund to Rs. 2.5 lakh. You can add money gradually.

Keep it in a mix of savings accounts, fixed deposits, and liquid funds.

2. Optimising Mutual Fund Strategy
Your corpus in SIPs has grown, but the returns seem moderate.

The Rs. 20,000 SIP has a corpus of Rs. 17.5 lakh after six years. This suggests a moderate return.

Your Rs. 30,000 SIP started in 2024 has a small return so far.

Review your fund selection with a Certified Financial Planner.

Actively managed mutual funds help in wealth creation.

Continue SIPs but monitor performance regularly.

3. Retirement Planning Review
NPS is good for long-term retirement savings.

However, it has a lock-in period, and withdrawals have restrictions.

You should also build a separate mutual fund corpus for retirement.

Consider investing more in mutual funds for better liquidity.

Increase your PPF contributions if possible.

4. Child’s Education and Future Planning
SSA is a great step for your daughter’s education.

However, SSA has a long lock-in period.

Also, the returns are fixed and may not beat inflation.

Increase mutual fund investments to balance this.

Plan a dedicated education corpus in mutual funds.

This will give you flexibility when your children need funds.

5. Health and Life Insurance Check
You did not mention health insurance.

Ensure you have a good health policy for yourself and your family.

A Rs. 10-20 lakh floater health insurance policy is recommended.

If you have dependents, check if you need life insurance.

Term insurance is the best option for financial protection.

Optimising Tax Efficiency
Your PPF, SSA, and NPS contributions give tax benefits under Section 80C.

NPS also gives an additional Rs. 50,000 tax benefit under Section 80CCD(1B).

Review your tax-saving strategy for maximum benefits.

If you are in the new tax regime, some deductions may not apply.

Consult a tax expert to optimise your strategy.

How to Improve Your Wealth Creation Strategy
???? Increase your emergency fund to Rs. 2.5 lakh.

???? Continue SIPs, but review fund performance annually.

???? Increase investments for children’s education in mutual funds.

???? Consider increasing PPF contributions for stable returns.

???? Check your health and life insurance coverage.

???? Make sure your tax-saving investments align with your goals.

Final Insights
You are on the right track with disciplined investments.

However, some areas need improvement for long-term wealth creation.

Strengthen your emergency fund to avoid liquidity issues.

Review your mutual funds and optimise for better returns.

Build a strong education corpus for your kids in mutual funds.

Ensure proper health and life insurance coverage.

Keep monitoring your investments and stay updated on financial strategies.

With these improvements, you can achieve financial security and long-term wealth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

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Hi My daughter is studying in Cambridge syllabus and have chosen A levels in physics, chemistry, and biology along with economics. I would like to know the qualifying requirements for getting into Indian universities in core science and biosciences streams
Ans: Shalini Madam, Cambridge International A Levels are widely recognized by Indian universities for undergraduate admissions in core science and biosciences streams. The Association of Indian Universities (AIU) has granted equivalence to Cambridge International AS & A Levels, recognizing them as equivalent to Indian senior secondary qualifications. Eligibility criteria include subject requirements, number of A Levels, and additional considerations such as entrance exams, university-specific tests, and equivalency certificates.

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To ensure eligibility, it is recommended to consult with admissions offices of targeted universities, prepare for entrance exams, and ensure all necessary documents are prepared and submitted according to university guidelines. By proactively engaging with the admissions processes and understanding specific requirements, your daughter can effectively navigate her path to securing admission in her chosen field of study in India. All the best for your Daughter's Bright Future!

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Nayagam P

Nayagam P P  |4373 Answers  |Ask -

Career Counsellor - Answered on Mar 23, 2025

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I got 90.87 percentile in JEE mains 2025 . I belong to obc ncl category and I am a male. Which nit or iiit can I get in csab round??
Ans: Pushkar, here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

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IMPORTANT: It is suggested to have 3-4 other Engineering Entrance Exams as back-ups instead of relying only on JEE.

Hope this guide helps! All the best for your admissions!

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Nayagam P

Nayagam P P  |4373 Answers  |Ask -

Career Counsellor - Answered on Mar 23, 2025

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Career
sir my son got 91.56 percentile in jee main 2025 jan in sc category from home state Tamilnadu which nit he get in cs, ece, mechanical
Ans: Punitha Madam, here is, How to Predict Your Son's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Son's Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your son's percentile into All India Rank with the help of a formula available in Google).
Your Son's category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If your son is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Son's Preferred Academic Program (Branch)
Enter the branches your son is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch your son is interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Watch 180+ EduJob360 YouTube Videos to Know More on ' Jobs | Education | Careers'

IMPORTANT: It is suggested to have 3-4 other Engineering Entrance Exams as back-ups instead of relying only on JEE.

Hope this guide helps! All the best for your Son's admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...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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