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48k Investment with Better Returns: Confused about Options?

Ramalingam

Ramalingam Kalirajan  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 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
Gagandeep Question by Gagandeep on Jul 23, 2024Hindi
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Money

Hello sir Gagan Here, Hope you are doing well, In section 80c pls i have invested in Elss 60k, PF 43200, Remaing 48k where to invest with better return pls suggest,

Ans: Gagan,

You have invested Rs 60,000 in ELSS and Rs 43,200 in PF. You have Rs 48,000 remaining to invest under Section 80C. Here are some insights on where you can invest this amount for better returns.

Investment Options under Section 80C
Public Provident Fund (PPF):

PPF offers a fixed return and has a lock-in period of 15 years.
It is suitable for risk-averse investors looking for steady returns.
National Savings Certificate (NSC):

NSC has a five-year lock-in period.
It offers a fixed return and is backed by the government.
Sukanya Samriddhi Yojana (SSY):

SSY is for the girl child and offers a higher interest rate.
It has a lock-in period until the girl child turns 21 or gets married.
Senior Citizens Savings Scheme (SCSS):

SCSS is for senior citizens above 60 years.
It offers a high fixed return with a five-year lock-in period.
Life Insurance Premiums:

Premiums paid for life insurance policies are eligible for deduction.
It provides financial security to your family in case of an unfortunate event.
Five-Year Fixed Deposits:

Fixed deposits in banks with a five-year lock-in period qualify under Section 80C.
They offer guaranteed returns but generally lower compared to other options.
Evaluating the Options
Risk Appetite:

Consider your risk appetite. If you prefer low risk, PPF and NSC are good options.
For higher returns and moderate risk, ELSS remains a strong choice.
Investment Horizon:

Align your investment horizon with the lock-in period of the instrument.
For short-term needs, five-year fixed deposits or NSC might be suitable.
Return Expectations:

ELSS typically offers higher returns due to equity exposure.
Fixed return options like PPF and NSC provide stability but lower returns.
Optimizing Returns
Diversification:

Diversify your investments across different options.
This balances risk and return, ensuring stability and growth.
Regular Review:

Regularly review your investment portfolio.
Adjust based on changes in financial goals and market conditions.
Benefits of Professional Guidance
Certified Financial Planner (CFP):
Consulting a CFP can provide tailored advice.
They help in optimizing your investment portfolio for maximum benefits.
Insight into Investment Choices
Actively Managed Funds:

Avoid index funds. Actively managed funds, selected by experts, often outperform the market.
These funds offer better growth potential, especially when chosen through a CFP.
Regular Funds via MFD:

Avoid direct funds. Regular funds through a Mutual Fund Distributor (MFD) with CFP credentials provide better guidance.
They offer personalized advice and regular updates, ensuring your investments are well-managed.
Final Insights
Consider All Options:

Evaluate all options under Section 80C to make an informed decision.
Choose based on your risk tolerance, investment horizon, and return expectations.
Professional Help:

Seek advice from a Certified Financial Planner.
They ensure your investments are aligned with your financial goals and offer the best returns.
Summary
Invest remaining Rs 48,000 considering your risk appetite and investment horizon.
Diversify across different options under Section 80C.
Consult a Certified Financial Planner for personalized advice and optimal portfolio management.
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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Ramalingam Kalirajan  |7014 Answers  |Ask -

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

Asked by Anonymous - Mar 16, 2023Hindi
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Hello Sir, My age is 36 and I am investing in below fund for long term. Please suggest if these fund will provide better return. What are other better options to invest as I am planning to increase my investing by INR 5000-7000 Aditya Birla SL Tax Relief 96 Fund ELSS - 4000 Canara Robecco Equity Taxsaver Fund - 4500 Franklin India Taxshield - 2000 Noppin India small cap fund - 2500 Union Long term equity fund - 4000
Ans: Investing for Long-Term Growth

You are on the right track by planning for long-term investments. The funds you have chosen indicate a diversified approach. Let's delve deeper into each type of fund and explore other investment options to help you increase your investments by Rs 5000-7000.

Understanding Your Current Investments

You have selected a mix of tax-saving funds and a small-cap fund. These funds cater to different investment needs and goals. Tax-saving funds provide tax benefits under Section 80C. Small-cap funds offer potential for high returns but come with higher risks.

Tax-Saving Funds (ELSS)

ELSS funds provide dual benefits: tax savings and wealth creation. These funds have a lock-in period of three years. The lock-in period helps mitigate short-term market volatility. They are equity-oriented and can deliver substantial returns over the long term. Your selection of tax-saving funds reflects a strategic approach to combine tax efficiency with growth potential.

Small-Cap Funds

Small-cap funds invest in smaller companies with high growth potential. These companies can deliver significant returns as they expand and capture market share. However, small-cap funds are volatile and risky. They require a longer investment horizon to ride out market fluctuations. Your inclusion of a small-cap fund indicates a willingness to take calculated risks for higher rewards.

Diversification and Risk Management

Diversification is essential in mitigating risks. By investing in different types of funds, you spread the risk and enhance the potential for returns. Your portfolio shows diversification across tax-saving funds and small-cap funds. This strategy helps in balancing risk and reward.

Exploring Additional Investment Options

To increase your investment by Rs 5000-7000, consider these options:

Large-Cap Funds

Large-cap funds invest in well-established companies with a strong market presence. These funds are less volatile and provide stable returns. They are suitable for conservative investors looking for steady growth. Adding a large-cap fund to your portfolio can balance the high risk of small-cap funds.

Mid-Cap Funds

Mid-cap funds invest in companies that are in the growth phase. These companies have the potential to become large-cap over time. Mid-cap funds offer a balance between the stability of large-cap and the growth potential of small-cap. They can provide good returns with moderate risk.

Multi-Cap Funds

Multi-cap funds invest across large-cap, mid-cap, and small-cap companies. They offer diversification within a single fund. Multi-cap funds can adapt to market conditions by shifting allocations. They provide a mix of stability and growth potential. Consider adding a multi-cap fund for better diversification.

Sectoral/Thematic Funds

Sectoral or thematic funds invest in specific sectors like technology, healthcare, or infrastructure. These funds can deliver high returns if the sector performs well. However, they come with higher risks due to sector concentration. Invest in sectoral funds only if you have a strong conviction about the sector's growth prospects.

Balanced or Hybrid Funds

Balanced or hybrid funds invest in both equity and debt instruments. They provide a balanced approach to growth and income. These funds are less volatile and suitable for moderate risk-takers. Including a balanced fund can add stability to your portfolio.

Regularly Review and Rebalance Your Portfolio

Regularly reviewing your portfolio ensures alignment with your financial goals. Rebalancing involves adjusting your investments based on performance and market conditions. It helps in maintaining the desired risk-reward ratio. Consider reviewing your portfolio at least once a year.

Benefits of Actively Managed Funds

Actively managed funds have a fund manager who makes investment decisions. These managers use their expertise to identify opportunities and manage risks. Actively managed funds can outperform the market, especially in volatile conditions. They provide flexibility in adapting to market changes.

Advantages of Investing Through a Certified Financial Planner

Investing through a Certified Financial Planner (CFP) offers several advantages. A CFP provides personalized advice based on your financial goals and risk tolerance. They help in selecting suitable funds and strategies. CFPs also assist in regular portfolio reviews and rebalancing. Their expertise ensures that your investments are aligned with your long-term objectives.

Conclusion

Your current investments indicate a strategic approach towards tax efficiency and growth. To further enhance your portfolio, consider adding large-cap, mid-cap, multi-cap, or balanced funds. Diversification and regular portfolio reviews are key to successful long-term investing. Investing through a Certified Financial Planner can provide personalized guidance and help in achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2024

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Hello sir, Hope your are doing good, I'm 30 year , Earn 80k/ Per month in hand ,single, Having car loan of 12 Lakhs which started this month paying 22k in that, Having stock of Rs 5 lakhs. PF of 1 lakhs , Pls suggest - 1. From next month plan to start sip of 15k which is best to invest , I've shortlisted IN SMALL CAP - Quant , Nippon In TAX SAVER- Quant, bandhan, parag parikh In MID CAP - HDFC mid opportunity fund. Which one to go or you can add to make Portfolio balance. 2. In 80C which is best investment to add like I'm doing SIP I can go for ELSS or else ? 3. Planning to retire at 50/55 with corpus of 10 to 12 cr is it possible? 4. Should I invest in Quant MF as there is front running news going on.
Ans: It’s great that you’re planning your investments and thinking ahead about your retirement. Let's dive into your queries one by one, keeping it detailed yet simple.

1. SIP Investment Options

Starting a SIP of Rs. 15,000 is a smart move. Here’s how you can balance your portfolio:

Small Cap Funds: Small-cap funds have the potential for high growth but come with higher risk. A balanced approach can help.

Tax Saver Funds (ELSS): These funds offer tax benefits under 80C and have a lock-in period of 3 years. They also provide good returns, making them an excellent choice for long-term investments.

Mid Cap Funds: Mid-cap funds provide a balance between the high risk of small-cap funds and the stability of large-cap funds.

You’ve shortlisted some good funds. To balance your portfolio, diversify across these categories. Consider spreading your Rs. 15,000 SIP into small-cap, tax saver, and mid-cap funds equally or as per your risk appetite.

2. Best 80C Investments

For 80C investments, ELSS (Equity Linked Savings Scheme) is one of the best options. It offers tax benefits and the potential for high returns due to equity exposure. The lock-in period is just three years, which is lower compared to other 80C options.

Apart from ELSS, you can also consider:

Public Provident Fund (PPF): It offers a fixed return and is government-backed, making it a safe option.

National Savings Certificate (NSC): Another safe option with a fixed return and tax benefits.

Combining ELSS for equity exposure and PPF or NSC for stability can create a balanced 80C investment portfolio.

3. Retirement Planning

Planning to retire at 50/55 with a corpus of Rs. 10 to 12 crores is ambitious but achievable. Given your current income and investment habits, you’re on the right path. Here are some steps to reach your goal:

Increase SIP Amount Gradually: As your income grows, try to increase your SIP amount. This will significantly boost your corpus over time.

Diversify Investments: Don’t put all your money into one type of fund. Diversify across different types of mutual funds (large-cap, mid-cap, small-cap, ELSS) and other investment avenues.

Reinvest Dividends: Choose the growth option in mutual funds to reinvest dividends. This can compound your returns over time.

Regular Review: Periodically review your portfolio to ensure it aligns with your goals and market conditions. Rebalance if necessary.

4. Investing in Quant Mutual Funds

The news about front running in Quant Mutual Funds can be concerning. It's important to consider the credibility and performance consistency of any fund. If you’re unsure, diversify your investments across different fund houses to mitigate risks.

Advantages of Mutual Funds

Diversification: Mutual funds offer diversification, reducing the risk by investing in a mix of assets.

Professional Management: Funds are managed by experienced professionals who make investment decisions based on research and analysis.

Liquidity: Mutual funds offer liquidity, allowing you to redeem your investments as needed.

Compounding: The power of compounding in mutual funds can significantly grow your wealth over time, especially with SIPs.

Types of Mutual Funds

Equity Funds: Invest in stocks, offering high returns with higher risk. Suitable for long-term goals.

Debt Funds: Invest in fixed-income securities, offering lower risk and steady returns. Good for short to medium-term goals.

Hybrid Funds: Combine equity and debt, providing a balance of risk and return.

ELSS: Offers tax benefits under 80C, with equity exposure and a lock-in period of 3 years.

Risk and Returns

Mutual funds come with varying degrees of risk. Equity funds are high-risk, high-return. Debt funds are low-risk, stable-return. Hybrid funds offer moderate risk and return. Understanding your risk tolerance is key to choosing the right funds.

Final Insights

Your investment journey looks promising. Starting a Rs. 15,000 SIP, focusing on ELSS for 80C benefits, and planning for a substantial retirement corpus are excellent strategies. Diversification, regular reviews, and reinvestment of dividends will help you reach your goals.

Keep an eye on fund performance and stay informed about any issues like the front-running news with Quant Mutual Funds. Remember, diversifying across different fund houses and categories can safeguard your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |7014 Answers  |Ask -

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

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Sir, I am 42-Year-old & I have already Portfolio of Mutal fund of 42 Lakh (lumpsum / SIP) currently I do monthly 35K sip in mutual fund. Also, currently I have 300 GRM gold with me & also I have Rs.15 Lakh of FD. Also, I invest 1.5 Lak every year in PPF from Lat 9 years. Now I have 10 Lakh Rupees with me so can you guide me where to invest for long term good returns
Ans: You have built a solid financial foundation. Your portfolio includes mutual funds worth Rs. 42 lakh, a monthly SIP of Rs. 35,000, 300 grams of gold, Rs. 15 lakh in fixed deposits (FD), and consistent investments in PPF for the last 9 years. You now have Rs. 10 lakh ready to invest, and you seek long-term good returns. Let’s explore a well-rounded strategy.

Mutual Fund Investments

Your existing mutual fund portfolio of Rs. 42 lakh and Rs. 35,000 SIP is commendable.

Mutual funds are ideal for long-term wealth creation.

Ensure your mutual funds are diversified across large-cap, mid-cap, and small-cap categories.

Add funds focused on different sectors to reduce risk and enhance returns.

Don’t invest in index funds. Actively managed funds perform better, especially in fluctuating markets.

Consider investing your new Rs. 10 lakh in actively managed funds to enhance long-term growth.

Consult a Certified Financial Planner (CFP) to regularly review your mutual fund portfolio.

Regular funds through a Mutual Fund Distributor (MFD) offer better guidance and service.

Gold as a Hedge, Not Growth

You hold 300 grams of gold. Gold is great as a hedge against inflation.

But it’s not ideal for long-term wealth generation. Its price fluctuates and doesn’t grow as fast as equity.

Avoid adding more gold to your portfolio.

Keep your current gold holding as it can act as a safety net during tough times.

Fixed Deposits for Safety, Not Growth

You have Rs. 15 lakh in FD, which is excellent for safety.

But the returns are low compared to equity investments.

Keep a portion of FD for emergencies. Ideally, 6-12 months of expenses should be set aside.

Avoid adding more funds to FD for long-term growth.

Inflation reduces the purchasing power of FD returns over time.

PPF for Tax-Free Compounding

You have been contributing Rs. 1.5 lakh annually to PPF for 9 years.

PPF is a great option for risk-free, tax-saving investment. It offers guaranteed returns with tax benefits.

It will compound tax-free over time, offering stable returns.

Continue investing in PPF as it balances your high-risk investments with a safe, government-backed option.

Evaluating Rs. 10 Lakh for Investment

You now have Rs. 10 lakh ready to invest. Let’s evaluate options with long-term returns.

1. Increase SIP in Mutual Funds

The best option is to increase your SIP in diversified mutual funds.

Long-term SIPs can create wealth through the power of compounding.

Invest the Rs. 10 lakh in a staggered way, splitting it into SIPs over the next 12-18 months.

This will help you avoid market volatility and benefit from rupee cost averaging.

Actively managed funds with a Certified Financial Planner (CFP) will help you maximise returns.

Diversify across large, mid, and small-cap funds for a balanced portfolio.

Ensure you invest in regular plans through an MFD for personalised guidance.

2. Hybrid Funds for Balanced Growth

Consider hybrid mutual funds. They combine the benefits of equity and debt.

Hybrid funds are great for long-term growth with a lower risk profile.

They provide a balanced approach and smooth out market fluctuations.

Use hybrid funds to diversify your Rs. 10 lakh investment.

They are particularly suitable for investors looking for a mix of safety and growth.

3. International Mutual Funds for Global Exposure

Explore international mutual funds to diversify beyond India.

These funds invest in global companies, providing exposure to developed markets.

Global diversification reduces risk and captures growth opportunities worldwide.

A portion of your Rs. 10 lakh can be allocated to international funds.

Consult your Certified Financial Planner (CFP) for specific recommendations and advice.

4. Balanced Allocation to Debt Mutual Funds

A portion of your Rs. 10 lakh can also be invested in debt mutual funds.

Debt funds provide stability and regular returns with lower risk.

They are a good option to balance the high-risk equity investments in your portfolio.

Debt funds can be liquidated quickly in case of emergencies, making them a good substitute for FDs.

Building a Well-Rounded Investment Strategy

1. Portfolio Diversification

Diversify your portfolio across asset classes: equity, debt, gold, and PPF.

Each asset class serves a different purpose – equity for growth, debt for stability, gold for hedging, and PPF for tax-free returns.

Avoid investing more in low-growth assets like gold and FD.

Ensure your mutual fund portfolio is spread across different market sectors and capitalisation.

Review your portfolio regularly with your Certified Financial Planner (CFP) to stay aligned with your goals.

2. Rebalancing and Monitoring

Regularly review your portfolio performance.

Rebalance your investments every 1-2 years to maintain the desired asset allocation.

Equity markets can be volatile, and your risk tolerance may change over time.

Consult a Certified Financial Planner (CFP) to rebalance your portfolio for long-term goals.

3. Emergency Fund

Always maintain an emergency fund to cover 6-12 months of expenses.

This fund should be kept in liquid assets like FD or debt mutual funds.

Avoid investing your emergency fund in high-risk assets like equities.

Use the Rs. 10 lakh to increase your emergency fund if you don’t have one already.

4. Insurance Coverage

Ensure you have adequate insurance coverage.

Term insurance is necessary for financial protection.

Health insurance is also essential to cover medical expenses.

Avoid mixing insurance with investment products like ULIPs or endowment plans.

If you hold LIC or investment-cum-insurance policies, consider surrendering them.

Reinvest the surrendered amount in mutual funds for better growth.

5. Tax Efficiency

Plan your investments for maximum tax efficiency.

PPF offers tax-free returns and is a great tax-saving tool.

Long-term investments in mutual funds also offer favourable tax treatment.

Ensure that your portfolio is structured to take advantage of tax deductions under Sections 80C, 10(10D), and 80D.

Final Insights

You’ve built a solid portfolio with mutual funds, gold, FD, and PPF investments. You now have Rs. 10 lakh to invest, and the best approach is to increase your mutual fund SIP. Avoid low-growth assets like gold and FD for long-term investments. Use hybrid, debt, and international funds to diversify your portfolio. Continue investing in PPF for stable, tax-free returns.

Regular reviews with your Certified Financial Planner (CFP) are key to maintaining a balanced and profitable portfolio. Keep your financial goals in focus, and rebalance your investments as needed. Building a strong emergency fund and ensuring adequate insurance coverage is essential for financial security.

By following these strategies, you can achieve long-term wealth creation and financial stability. Ensure that your investments are aligned with your risk tolerance and future goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Instagram: https://www.instagram.com/holistic_investment_planners/

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Dating, Relationships Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 07, 2024Hindi
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Relationship
I am 28, will be engaged in 3-4 months. It's an arranged marriage. I have met the girl one time, that too she was accompanied with her parents as her family is very conservative. We spoke privately for about half an hour. I know it's still not enough but I was able to have a good conversation. She was nervous at first but I made her feel comfortable and it was then time well spent. She is a sweet girl, even my maa papa like this girl but on the other hand, I am also getting worried as the days are coming near. Sometimes I feel like postponing the event. Is this normal? I also fear of things that happens in nowadays like getting divorce, extra marital affairs, alimony etc. What if she finds a better partner after marriage? Will she leave me? Due to this I cannot have proper sleep recently. Any suggestions to calm my nerves?
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Many people get cold feet before getting married. It is very normal. All your questions are valid but you need to understand that in every relationship, it all comes down to trust. Whether you marry this woman or someone else, you have to trust her. And no one can really tell what the future holds. So we focus on the present and hope for the best.

I suggest speaking to your would-be partner a little more in the meantime. Getting to know her will put these doubts to rest. I'm sure she is equally concerned about what kind of person you are. Moreover, it is always a good idea to get to know each other better before committing for a lifetime. And, in case, you still think you need to postpone the event, do not shy away from doing so. It is better to take some time and make the right decision than to make a wrong decision in a hurry.

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Sir, My daughter is studying in Grade XII, with commerce and psychology. she intends to specialize in psychology. Please can you advise courses available in India and is it worth pursuing psychology as a career. Thanks.
Ans: Yes Ronald Sir. Pursuing psychology is highly beneficial, particularly for girls. Here are the Courses & Career Options for your Daughter.

Undergraduate Courses:
• B.A. (Hons) Psychology or B.Sc. Psychology: Focuses on human behavior, cognitive processes, and mental health.
• Integrated Courses: B.A./B.Sc. + M.A./M.Sc. in Psychology (5 years): Combines undergraduate and postgraduate studies.
• Specialized Bachelor's Programs: B.A. in Applied Psychology and B.A. in Counselling Psychology.

Postgraduate Options:
• M.A./M.Sc. in Clinical Psychology (for therapy and clinical roles).
• M.A./M.Sc. in Counselling Psychology (for counseling in schools, workplaces).
• M.A./M.Sc. in Organizational/Industrial Psychology (corporate HR and training).
• M.A. in Forensic Psychology (legal and criminal justice system).

Top Colleges in India for Psychology:
• Delhi University (DU), Tata Institute of Social Sciences (TISS), Christ University, Amity University, Fergusson College, Ashoka University, Symbiosis College of Arts and Commerce, Pune, St. Xavier’s College, Mumbai.

However, to get admission into any of these or other reputed colleges, your daughter should prepare well for respective entrance exams like CUET.
Career Prospects in Psychology:
• Clinical Psychology: Work in hospitals, clinics, or private practice.
• Counseling Psychology: Work in educational institutions, NGOs, or private practice.
• Industrial/Organizational Psychology: Work in corporate HR, talent management, and employee well-being.
• Forensic Psychology: Work with law enforcement or the judiciary system.
• Sports Psychology: Help athletes enhance performance and manage stress.
• Research and Academia: Conduct research or teach at universities.

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Career Counsellor - Answered on Nov 13, 2024

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Career Counsellor - Answered on Nov 13, 2024

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DEAR, MA'AM YEAH DIR I DONT KNOW IF YOU ARE REPLAY ME OR NOT I TURN TO 25 THIS YEAR. I AM A ASPIRANT OF SSC CGL AND I HEARTINGLY WANT THIS I HAVE A CLEAR GOAL. ON WHICH I AM ALSO WORK IT BUT I STARTED LATE AND I THOUGHT MY AGE IS TOO MUCH I HAVE ALSO SO MUCH FINANCIAL OROBLEM. MY PARENT'S HEALTH AND ALSO MY HEALTH ARE WORST DAY BY DAY DUE TO ANXIETY . I AM NOT WILLING TO STUDY I GOT 113IN PRELIMS THIS YEAR IT WAS MY FIRST ATTEMPT BUT I CANT MOVE ON FROM THIS. WHAT DID I DO SO THAT I CAN AGAIN FOCUS ON MY STUDIES SO MUCH NEGATIVE THOUGHTS AND DESIRE GRAB ME I CAN'T CONTROL MYSELF????.
Ans: Please post your question in 'small letters' in the future. Anyway, coming to your current question, despite challenges, having a clear objective and the will to achieve it can help you refocus and recover control. To manage health and anxiety, identify your emotions, seek help, and focus on good living styles like exercise, sleep, and healthy food. Control stress regarding money by finding part-time or freelancing projects or government programs. Change your SSC CGL preparation method by evaluating your performance, creating smaller objectives, establishing a disciplined daily schedule, fighting negative ideas, limiting distractions, using resources wisely, and maintaining a positive outlook.

Finally, prioritize your family's health and well-being, even if it means standing stagnant. Remember that even little progress forward is preferable than standing stagnant. Remember that your resilience is already evident, and your will to rise once more counts. If you feel overwhelmed, don't hesitate to ask for assistance or have a conversation with your friends and family members. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

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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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