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Can I retire at 50 with a 3.5 lakh salary, 25k rental income, and 4.2 crore in investments?

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 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
Anil Question by Anil on Jul 21, 2024Hindi
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Hello Sir, I am 44 yrs. My Salary is 3.5lpm. Flat rental income 25k pm. Current outgoings from my salary towards monthly expenses is 1.5lpm. LIC @ 2.5L PA (until 60yrs), Guaranteed income retirement plan premium 6LPA (8 yrs more). Monthly SIP @ 1LPM. Current MF portfolio at 3.2 Cr. Shares at 45L, FD at 50L, PPF at 25L, Debt/Cash around 50L, Gold ornaments about 50L Have 2 kids. One just started university & 1 in secondary school. I am planning to retire at 50. Do let me know what actions I am suppose to take with the current investment I have.

Ans: Current Financial Overview
Salary: Rs 3.5 lakhs per month (lpm)
Flat Rental Income: Rs 25,000 per month
Monthly Expenses: Rs 1.5 lpm
LIC Premium: Rs 2.5 lakhs per annum (pa) until 60 years
Guaranteed Income Retirement Plan Premium: Rs 6 lakhs pa for 8 more years
Monthly SIP: Rs 1 lakh per month
Current Mutual Fund Portfolio: Rs 3.2 crore
Shares: Rs 45 lakhs
Fixed Deposit (FD): Rs 50 lakhs
Public Provident Fund (PPF): Rs 25 lakhs
Debt/Cash: Rs 50 lakhs
Gold Ornaments: Rs 50 lakhs
Children: One in university and one in secondary school
Retirement Goal: Age 50
Retirement Planning Strategy
Maintain and Enhance Mutual Fund Investments
Your monthly SIP of Rs 1 lakh is substantial. Actively managed mutual funds offer potential for high returns. Continue with these investments to grow your retirement corpus.

Increase Equity Exposure
Equity investments generally provide higher returns over the long term. Consider allocating more funds to equity mutual funds for better growth potential. Avoid index funds; actively managed funds can outperform the market.

Fixed Deposits and Debt Investments
Fixed deposits and debt investments provide stability and security. However, they offer lower returns. Maintain a portion in these for emergency funds but focus on growth assets.

Public Provident Fund (PPF)
PPF is a safe investment with tax benefits. Continue contributing to this for secure long-term growth.

Disadvantages of Direct Stocks
High Risk and Volatility
Direct stocks can be very volatile. They carry higher risk compared to mutual funds. Managing a stock portfolio requires time and expertise.

Lack of Diversification
Individual stocks do not provide the diversification that mutual funds offer. Mutual funds spread investments across various sectors and companies, reducing risk.

Professional Management
Mutual funds are managed by professional fund managers. They have the expertise to make informed investment decisions. This can lead to better performance compared to managing stocks on your own.

Consolidate Stocks into Mutual Funds
Consider consolidating your direct stock investments. Redirect these funds into mutual funds for better diversification and professional management.

Gold Ornaments
Gold is a good hedge against inflation. Keep gold as part of your diversified portfolio. However, don't rely solely on it for growth.

Insurance and Guaranteed Income Plans
LIC Premiums
Review your LIC policies. Ensure they align with your financial goals. If the returns are low, consider surrendering and reinvesting in high-growth mutual funds.

Guaranteed Income Retirement Plan
Evaluate the guaranteed income retirement plan. If it doesn't align with your goals, consider redirecting these funds to more lucrative investment options.

Children's Education
Education Fund
Ensure you have a dedicated education fund for your children. Use a mix of fixed income and equity investments to balance risk and growth.

Planning Ahead
Plan for future expenses, including higher education and other milestones. This helps avoid sudden financial burdens.

Debt Management
Home Loans
If possible, consider prepaying home loans. Reducing debt can free up more funds for investments. Focus on loans with higher interest rates first.

Emergency Fund
Maintain an emergency fund covering at least 6 months of expenses. This ensures financial security and avoids liquidating long-term investments prematurely.

Regular Review and Professional Guidance
Portfolio Review
Regularly review your investment portfolio. Adjust your investments based on market conditions and financial goals.

Professional Advice
Seek guidance from a Certified Financial Planner (CFP). They can provide personalized advice and help optimize your investment strategy.

Final Insights
Your current financial situation is strong.

Focus on growing your equity investments and maintaining a balanced portfolio. Consolidate direct stock investments into mutual funds for better diversification. Review and adjust your insurance and guaranteed plans if needed.

Plan for children's education and manage debt wisely. Regular reviews and professional guidance are crucial.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
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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Respected Ramalingam Sir, greetings. I am 49yrs. My present investments (1). Monthly 20k SIP, (2) Rs.10lk into Equity linked MF thru STP. (3) PPF maturing by 2026 March end with 15years tenure, expecting Rs.24lk. If I target to have monthly fixed income around Rs.3 or 4lakhs after retirement at my 60yrs of age by 2036, please suggest hiw should I go further in investing? As said, PPF is maturing in 2026 March. Should i continue for 5 more years or to invest that amt in Mutual funds or sny other to ge more gain? Appreciate your expert suggestions and advise. Thank you.
Ans: It's wonderful to hear about your dedication to securing your financial future. As you approach retirement, it's natural to seek stability and security in your investments. With your SIPs and equity-linked MFs, you're already on a commendable path.

As your PPF matures in 2026, you have an opportunity to reassess your investment strategy. Consider the balance between risk and reward. Should you extend the PPF tenure or explore other avenues like mutual funds? It's a decision that requires thoughtful consideration.

Imagine the possibilities of continuing to grow your wealth over the next decade. Are there investment avenues that align better with your goals and risk tolerance? A Certified Financial Planner can guide you through this journey, offering expertise and reassurance.

Remember, investing is not just about numbers; it's about peace of mind and confidence in your future. Your journey towards financial security is a testament to your resilience and foresight. Keep moving forward with optimism and wisdom.

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Asked by Anonymous - May 09, 2024Hindi
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Hi, I am 42 yrs old with 50 lac CTC , living in my own apartment(worth 80L). I have another flat(worth 60L) which I have not rented yet. I have no loan running on my name. Below are my investments: 1. Fixed Deposit - 2 Cr. 2. Shares - 2 cr. 3. SGB - 35L 4. Mutual Funds - 25 lacs + 15K SIP 5. 3 PPF A/C plus 1 Sukanya Samriddhi - 23Lacs invested 4. PF - 75Lacs 5. Term Insurance Personal -1.5cr 6. Cash credit to family friends - 40Lacs@12% 7. 1 credit card - 50000 limit 8. Family pension - 40K PM My expenses are max. 50-60 K per month. I am looking 5 Lacs PM income after retirement. What changes would you suggest in my current portfolio?? Regards
Ans: With your impressive financial portfolio and clear retirement goals, let's assess how we can optimize your investments to align with your retirement income target of 5 lakhs per month.

Reviewing Your Current Portfolio:

Real Estate:
You own two properties, one self-occupied and the other vacant. Consider renting out the second property to generate additional rental income.

Fixed Deposits and Shares:
Your significant investments in Fixed Deposits and Shares provide stability and growth potential. However, consider diversifying your portfolio further to spread risk.

Sovereign Gold Bonds (SGBs) and Mutual Funds:
Your investments in SGBs and Mutual Funds are well-diversified. Review your fund selection periodically to ensure they align with your risk tolerance and financial goals.

Public Provident Fund (PPF) and Sukanya Samriddhi:
These instruments offer tax benefits and long-term savings. Continue contributing to them regularly, but consider exploring other investment avenues for potential higher returns.

Provident Fund (PF):
Your PF balance is substantial and provides a secure retirement corpus. Ensure you're maximizing contributions to your PF account and periodically review investment options offered by your employer.

Term Insurance:
Your term insurance coverage is adequate, providing financial security for your family in case of unfortunate events.

Cash Credit to Family Friends:
While it's noble to help family and friends, consider the risks associated with such lending arrangements. Ensure proper documentation and a clear repayment plan to safeguard your interests.

Suggestions for Portfolio Optimization:

Asset Allocation:
Review your asset allocation to ensure it aligns with your retirement goals and risk tolerance. Consider rebalancing your portfolio to achieve optimal diversification across asset classes.

Equity Investments:
Given your long investment horizon and retirement income target, consider increasing exposure to equity investments. Invest in a mix of large-cap, mid-cap, and diversified equity mutual funds to capture market growth potential.

Debt Instruments:
Explore debt instruments like corporate bonds or debt mutual funds for stable returns and income generation. This can provide a hedge against market volatility and ensure steady cash flow during retirement.

Real Estate:
Consider leveraging your existing property investments for rental income or explore real estate investment trusts (REITs) for exposure to the real estate sector without the hassles of property management.

Regular Portfolio Review:
Periodically review your portfolio's performance and make necessary adjustments based on changing market conditions and financial goals. Consult with a Certified Financial Planner to ensure your investments are on track to meet your retirement income target.

Conclusion:

With a well-diversified portfolio and prudent financial planning, you're well-positioned to achieve your retirement income goal of 5 lakhs per month. By optimizing your investments and regularly reviewing your portfolio, you can secure a comfortable retirement and financial independence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Asked by Anonymous - Mar 10, 2025Hindi
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Hi, I am 46 years old residing in a B Town in India. I have 2 daughters one 16 years old and second 7 years old. I have Savings of 25 Lakh in my account as emergency find. I have FD of 65 Lakhs. PF, PPF and NPS of 25 Lakhs, Mutual Fund and Shares of 25 Lakhs, Lic policies worth 25 Lakhs, Gold around 1.2 Crores. I have a medical insurance of 20 Lakhs for me and my family, Term insurance of 1Cr. As properties. I own 2 independent houses, 2 flats and 2 plots in Bangalore which has a current value of about 4.5 Cr. In my home town i have 2 Houses, 1 apartment and plots which has a current value of 2.75 Cr. Currently i am drawing a monthly salary of 2 Lakh rupees and get a rent of 30K/ month. I donot have any emi's and my monthly expenses is currently 75K. I am planning to retire at the age of 50. Is my financial condition stable to retire at the age of 50? Thanks for your suggestion in advance.
Ans: Hi,

Lets understand the value of your current Investments at the time of retirement. Below is the list with its current value and (expected rate of return).
Emergency Fund - 25 lakhs (3.5%)
Fixed Deposits - 65 lakhs (7%)
PF/PPF/NPS - 25 lakhs (8%)
MF/Stocks - 25 lakhs (10%)
LIC Policies - 25 lakhs (no change)
Your current investments listed above will achieve a value of 3.5 crore at the time of retirement 4 years from now.

Apart from this you have mentioned properties worth 7.25 Cr. Assuming you will only use/liquidate them if required, so excluding them from consideration for now.

You total income is 2.30 lakhs per month (includes rent) and expenses are 75k per month. So there is potential to add to the above investments for the next 4 years.

I will assume your current expenses are sufficient for the lifestyle you want to continue post retirement.
You will require a corpus on retirement after 4 years to sustain your expenses adjusted with inflation of 6% which will be close to 1 lakh per month (at the time of retirement).
With this starting point, and adjusting for inflation of 6% each year, and life expectancy of 30 years post retirement you need a corpus of approx. 2.5 crore - again assumed this will earn a return of 8% for the 30 years.
If you can invest wisely and generate a slightly higher return of say 10%, the corpus requirement will be 2 crore.

Your current investments at the time of retirement with value of 3.5 crore is sufficient to cover your expenses for the next 30 years inflation adjusted at 6%.
And this is excluding the properties you own and additional investments you can make for the next 4 years.

Summary - You are more than stable as far as your financial state is concerned. You have a strong base to meet your retirement needs and also a potential to create wealth for the generations ahead.

I want to highlight/recommend few points -
1. Increase the medical Insurance for yourself and family to 1Crore as medical expenses will only increase in future.
2. Stop the Term Life Insurance and save the premium for investment. As you have no liabilities and net-worth is high enough to cover any outcomes in life ahead, this premium is a lost cause considering your strong financial state.
3. Revisit the LIC Policies you have and consider surrendering/stopping them if they are not nearing their maturity. They are not giving you enough cover and providing below par returns. So do discuss with a trusted licensed advisor and evaluate them. If they will mature in the next 4 years, ignore this point.
4. Post retirement period is a long duration of 30 years, so do consider getting a good advisor - a Certified Financial Planner who can guide you to plan your retirement well and help you design a portfolio for additional wealth creation as a legacy for your children/dependents.


Thanks & Regards
Janak Patel
Certified Financial Planner.

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Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 11, 2025Hindi
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Hi, I have the following funds part of my SIP and the last 4 funds are my one time lump sum of 35K each and invested sometime in November last year. Are these good to hold (lump sum) and rest as SIP for another 5 years. 1 Kotak Flexicap Fund - Reg Gr 2 Kotak Flexicap Fund - Dir Gr 3 Tata Multi Asset Opp Dir Gr 4 TATA Nifty 50 Index Dir Pl 5 Technology Plan - Direct - Growth 6 Bandhan Sterling Value Fund-(Reg PIn) -Gr 7 Nifty Smallcap250 Quality 50 Index Fund - Dir - G 8 | HDFC Dividend Yield Direct Growth 9 Quant Large and Mid Cap Fund Direct Growth 10 Quant Multi Asset Fund Direct Growth 11 Groww Nifty Non Cyclical Consumer Index Fund Direct Growth 12 Motilal Oswal Midcap Fund Direct Growth Thanks in advance for your guidance.
Ans: You have invested in multiple funds through SIP and lump sum. Holding them for the next 5 years is a good approach. However, it is important to check if your portfolio is diversified, aligned with your goals, and tax-efficient.

Overlap Between Funds
Your portfolio has multiple funds from the same category.

Too many similar funds do not improve returns but make tracking difficult.

Checking fund overlap can help avoid duplication.

Actively Managed vs Index Funds
You have index funds in your portfolio.

Index funds do not offer downside protection in market corrections.

Actively managed funds can outperform the index in volatile markets.

Switching from index funds to actively managed funds can improve growth.

Direct vs Regular Funds
You have invested in direct funds.

Direct funds may seem cheaper, but they lack expert guidance.

Investing through an MFD with CFP credentials ensures better selection and tracking.

Regular funds provide better decision-making support over time.

Sector-Specific and Thematic Funds
You hold a technology fund.

Sector funds are high-risk, as they depend on one industry’s performance.

If the sector underperforms, returns may be negative for years.

A diversified approach reduces risk compared to sector-based investing.

Smallcap and Midcap Allocation
You have smallcap and midcap funds.

These funds can be highly volatile in the short term.

Holding them for 5+ years is necessary to reduce risk.

Ensure you rebalance if the portfolio gets too aggressive.

Multi-Asset and Dividend Yield Funds
Multi-asset funds provide stability during market corrections.

Dividend yield funds are suitable for conservative investors.

These funds help in balancing the portfolio between risk and return.

Final Insights
Reduce overlapping funds and focus on fewer, well-performing funds.

Exit index funds and shift to actively managed funds for better growth.

Consider switching from direct funds to regular funds for expert tracking.

Keep sector funds below 10% of your portfolio to avoid concentration risk.

Continue SIPs in high-quality diversified funds for long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

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Can I run my family with 15 k exp and 20k retirement income
Ans: You have a monthly retirement income of Rs 20,000 and expect monthly expenses of Rs 15,000. On paper, this looks manageable, but there are important financial factors to consider. Let us analyse whether this income will be sufficient for the long term.

Cost of Living and Inflation Impact
Expenses will increase over time due to inflation.

If inflation is 6% per year, your Rs 15,000 monthly expenses may double in 12 years.

If income remains Rs 20,000, the gap between income and expenses will widen.

Healthcare and Medical Costs
Medical expenses increase with age.

Even with health insurance, out-of-pocket medical costs can rise.

If a medical emergency arises, your savings could be depleted quickly.

Emergency Fund Requirement
A sudden family emergency can strain finances.

Having at least 2–3 years' worth of expenses in a liquid fund is necessary.

If you do not have an emergency fund, your retirement income may not be sufficient.

Unplanned Expenses and Lifestyle Changes
New financial needs may arise, such as helping family members or home repairs.

You may want to travel, pursue hobbies, or engage in social activities.

A fixed retirement income can make such expenses challenging.

Investment Strategy for Long-Term Security
To beat inflation, invest a portion of savings in growth-oriented assets.

A mix of equity and debt funds will help generate better returns.

A Systematic Withdrawal Plan (SWP) from equity funds can provide a higher monthly income.

Alternative Income Sources
Consider part-time work, freelancing, or consulting if possible.

Rental income or dividends from investments can support retirement cash flow.

Final Insights
Rs 20,000 may be enough now, but inflation and rising costs can make it insufficient later.

A combination of investments, emergency funds, and alternate income sources will provide financial security.

Regularly review and adjust your financial plan to sustain your retirement lifestyle.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 11, 2025Hindi
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Hello sir, I have about 28 lakhs invested in different MF. Now i want a SWP of 35000 per month from that total fund. Looking at the current market situation I was either thinking if dividing the fund between debt 30% and equity 70%. But instead of investing a lumpsum amounts will it make more sense to park all my funds in a dynamic debt fund and then every month do SIP of maybe one lakh each to equity fund or balanced fund. Also i would like to know what difference will it make in my investment returns between sip and lumpsum except ofcourse averageing the market volatility in case of SIP and getting more UNITS if done lumpsum.
Ans: You have Rs 28 lakh invested in mutual funds and want to withdraw Rs 35,000 per month through a Systematic Withdrawal Plan (SWP). You are considering whether to invest the corpus as a lump sum in a 70% equity – 30% debt allocation or to park the full amount in a debt fund and do an SIP of Rs 1 lakh per month into equity.

Your goal should be to generate stable withdrawals while preserving your capital and ensuring growth. Below is a structured approach to managing your funds wisely.

Understanding SWP and Its Impact on Your Corpus
SWP is a cash flow strategy, allowing regular withdrawals while the remaining corpus continues to grow.

The key challenge is to balance withdrawals and growth so that the corpus does not deplete too soon.

Investing in a mix of debt and equity will ensure stability while benefiting from market growth.

Option 1: Investing 70% in Equity and 30% in Debt
This allocation is suitable for long-term growth. Equity provides growth, while debt ensures stability.

A balanced portfolio helps manage volatility and ensures a steady SWP.

The downside is that a lump sum investment in equity exposes you to market fluctuations.

If the market falls after investing, the SWP may lead to selling equity at a lower value, reducing corpus longevity.

Option 2: Parking in a Debt Fund and Doing Monthly SIPs
This reduces market timing risk by investing gradually.

Debt funds provide low but steady returns, protecting the corpus while equity exposure increases.

SIPs spread the risk over time, ensuring better price averaging.

The downside is that debt funds provide lower returns, which may impact the final corpus.

SIP vs Lump Sum: Key Differences
SIP helps in market averaging, reducing the impact of volatility.

Lump sum investment can generate higher returns if the market performs well.

SIP is better for those worried about market crashes, while lump sum works well for long-term investors willing to take higher risks.

Best Strategy for You
A hybrid approach will work best:

Step 1: Park Rs 28 lakh in a low-duration or dynamic debt fund.

Step 2: Start an SIP of Rs 1 lakh per month into equity for 24–28 months.

Step 3: Withdraw Rs 35,000 per month from the debt fund until equity allocation builds up.

Step 4: After 2–3 years, rebalance to maintain a 60% equity – 40% debt allocation for stability.

Tax Implications of SWP
Withdrawals from equity funds held for over 1 year attract 12.5% tax on LTCG above Rs 1.25 lakh.

Withdrawals before 1 year attract 20% STCG tax.

Withdrawals from debt funds are taxed as per your income tax slab.

Final Insights
A mix of debt and equity will ensure growth and stability in your SWP plan.

Parking the corpus in a debt fund first and then gradually shifting to equity is a safer approach.

Rebalancing every 2–3 years will help manage risk and sustain withdrawals.

Keep track of taxation to optimise post-tax returns.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 12, 2025Hindi
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Hello Sir, I am 46. Unemployed due to health reasons. I have 28 lakhs i want to invest in SWP . I need 35000 monthly. How long do I have before my fund runs out? How should I invest to make the most of it? I want my funds to appreciate as well to be atleast propionate to my need of 35000. Given- if i invest in lumpsum than I get higher number of units and if i take the SIP route it can negate the market volatility. Looking at the current market scanerio i believe it may take couple of years to see proper returns. I was also thinking of pooling the entire corpus in Aggressive debt funds and then do a SIP to an actively managed equity fund. Under these circumstances please provide fund names also. Thanks in advance.
Ans: You are 46 and unemployed due to health reasons. You need Rs 35,000 per month from your investments. Your goal is to make your funds last longer while allowing growth.

Let us analyse your options and create a plan.

Assessing Your Requirement
You need Rs 4.2 lakh per year (Rs 35,000 x 12 months).

Your corpus is Rs 28 lakh.

If you withdraw Rs 4.2 lakh annually without growth, your funds will last less than 7 years.

You need growth to sustain withdrawals for a longer period.

Challenges with a High SWP Rate
A SWP of 15% per year (Rs 4.2 lakh from Rs 28 lakh) is too high.

Safe withdrawal rates are usually 4-6% per year.

A high withdrawal rate will deplete your corpus fast.

Investment Strategy for SWP
You need a mix of equity and debt to balance growth and stability.

Step 1: Allocate Corpus Wisely
Equity (50%): Invest for growth.
Debt (50%): Keep funds for the next 5-6 years of withdrawals.
This approach helps maintain stability while allowing long-term appreciation.

Step 2: SWP from Debt Funds
Start your SWP from debt funds to avoid withdrawing from volatile equity investments.

Debt funds provide stability and minimise short-term risk.

This ensures your equity investments have time to grow.

Step 3: Systematic Transfer to Equity
Keep your equity allocation in a flexi-cap or multi-cap fund for diversification.

Invest in a systematic transfer plan (STP) from a debt fund to an equity fund.

This reduces market timing risk and balances volatility.

Expected Corpus Longevity
If your portfolio grows at 8-10% annually, your funds may last 10-12 years.

If the market performs well, your funds may last longer.

A lower withdrawal rate will further extend sustainability.

Alternative Options to Sustain Your Corpus
Reduce withdrawals: If possible, lower monthly expenses to Rs 25,000-30,000.

Part-time income: If health permits, explore work-from-home or passive income options.

Medical emergency fund: Keep at least Rs 2 lakh aside for medical needs.

Review investments: Rebalance every year to maintain growth and stability.

Final Insights
Your current withdrawal rate is high.

A balanced equity-debt approach can extend the longevity of your corpus.

Use SWP from debt funds and STP to equity for better returns.

Monitor the portfolio regularly to ensure sustainability.

If possible, reduce withdrawals slightly to make the corpus last longer.

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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