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Ramalingam

Ramalingam Kalirajan  |8342 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 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
Narendra Question by Narendra on May 07, 2024Hindi
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Hello Sir, Hope you are doing good. My current age - 35, I am planning to invest as SIP 60K monthly for 15 years. My goal is 2 crore after 15 years. Below are the schemes I choose. Kindly review and suggest changes if any Midcap Fund Motilal Oswal Midcap Fund Direct-Growth 4K, Mahindra Manulife Mid Cap Fund Direct - Growth 4K, Smallcap Fund Axis small cap direct growth 4k, Canara robecco small cap 4K, quant small cap 4K, Nippon small cap 4K, Mid and Largecap Mirae Asset Emerging Bluechip fund 4K, Axis Growth Opportunities Fund Direct - Growth 4K, Multicap Mahindra Manulife Multi Cap Fund Direct - Growth 4K, HDFC Multi-Cap Fund Direct - Growth - 4K, Mirae Asset Multicap Fund Direct - Growth 4k, Canara Robeco Multi Cap Fund Direct - Growth 4K, Flexi Parag Parikh Flexi Cap Fund Direct-Growth 4K, Quant Flexi Cap Fund Direct-Growth 4K, Value Tata Equity PE Fund Direct-Growth - 4K

Ans: Your proactive approach towards investing for your future financial goals is commendable. Let's review your selected schemes and suggest any necessary changes to align with your investment objectives.

Your commitment to systematic investing reflects a strong financial discipline and foresight towards achieving your long-term goals.

Assessing Scheme Selection
Evaluate the selected schemes based on their historical performance, fund manager expertise, expense ratios, and portfolio composition to ensure alignment with your investment goals.

Midcap and Smallcap Exposure
Consider the risk associated with midcap and smallcap funds, which can be higher compared to large-cap funds. Review your allocation and ensure it matches your risk tolerance.

Diversification
Ensure proper diversification across fund categories such as midcap, smallcap, multicap, and flexicap to mitigate portfolio risk and capture growth opportunities across market segments.

Consolidation and Optimization
Consider consolidating your portfolio to avoid over-diversification and optimize returns. Focus on high-quality funds with a proven track record and strong fundamentals.

Reviewing Multicap and Flexicap Funds
Evaluate the performance and consistency of multicap and flexicap funds to ensure they effectively capitalize on market opportunities and adapt to changing market conditions.

Monitoring and Review
Regularly monitor the performance of your portfolio and review fund selection periodically to make necessary adjustments based on changing market dynamics and your evolving financial goals.

Final Thoughts
By reviewing your portfolio composition, consolidating funds where necessary, and ensuring proper diversification across fund categories, you can optimize your SIP investments to achieve your long-term financial objectives effectively.

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

Ramalingam Kalirajan  |8342 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Hello Sir, Hope you are doing good. My current age 35, I am planning to invest as SIP 60K monthly for 15 years. My goal is 2 crore after 15 years. Below are the schemes I choose. Kindly review and suggest changes if any Midcap Fund Motilal Oswal Midcap Fund Direct-Growth 4K, Mahindra Manulife Mid Cap Fund Direct - Growth 4K, Smallcap Fund Axis small cap direct growth 4k, Canara robecco small cap 4K, quant small cap 4K, Nippon small cap 4K, Mid and Largecap Mirae Asset Emerging Bluechip fund 4K, Axis Growth Opportunities Fund Direct - Growth 4K, Multicap Mahindra Manulife Multi Cap Fund Direct - Growth 4K, HDFC Multi-Cap Fund Direct - Growth - 4K, Mirae Asset Multicap Fund Direct - Growth 4k, Canara Robeco Multi Cap Fund Direct - Growth 4K, Flexi Parag Parikh Flexi Cap Fund Direct-Growth 4K, Quant Flexi Cap Fund Direct-Growth 4K, Value Tata Equity PE Fund Direct-Growth - 4K
Ans: Your proactive approach to investing through SIPs is commendable, and your portfolio allocation reflects a diversified strategy across various market segments. Let's review your chosen schemes and provide some suggestions for optimization:
Midcap Funds:
• Motilal Oswal Midcap Fund and Mahindra Manulife Mid Cap Fund offer exposure to mid-sized companies with growth potential. Ensure you're comfortable with the higher volatility associated with midcap stocks.
• Consider consolidating your investments into one or two well-performing midcap funds to streamline your portfolio and reduce overlap.
Smallcap Funds:
• Axis Small Cap, Canara Robeco Small Cap, Quant Small Cap, and Nippon Small Cap focus on smaller companies with higher growth potential but also higher risk. Be prepared for fluctuations in returns.
• As small-cap stocks can be more volatile, consider limiting exposure to a few select funds to mitigate risk and ensure proper diversification.
Mid and Largecap Funds:
• Mirae Asset Emerging Bluechip Fund and Axis Growth Opportunities Fund provide exposure to both mid and large-cap stocks, offering a balanced approach.
• Review the overlap between these funds and your midcap and smallcap holdings to avoid duplication and maintain proper diversification.
Multicap Funds:
• Mahindra Manulife Multi Cap Fund, HDFC Multi-Cap Fund, Mirae Asset Multicap Fund, and Canara Robeco Multi Cap Fund offer flexibility to invest across market segments.
• Since these funds invest across large, mid, and small-cap stocks, they provide diversification within a single fund category.
Flexi Cap and Value Funds:
• Parag Parikh Flexi Cap Fund, Quant Flexi Cap Fund, and Tata Equity PE Fund follow a flexible investment approach, allowing fund managers to invest across market segments based on prevailing market conditions.
• Value-oriented funds like Tata Equity PE Fund focus on stocks trading at a discount to their intrinsic value, potentially offering attractive long-term returns.
Direct Funds:

• Direct funds allow investors to purchase mutual fund units directly from the asset management company, bypassing intermediaries like distributors or brokers. This can result in lower expense ratios compared to regular funds, as there are no distributor commissions involved.

• However, direct fund investors are responsible for conducting their own research, selecting suitable funds, and monitoring their investments. This requires a certain level of financial literacy and investment expertise to make informed decisions.

• On the other hand, investing through a Certified Financial Planner (CFP) who holds the necessary credentials and expertise can provide valuable guidance and support. A CFP can help investors navigate the complexities of the financial markets, select appropriate investment strategies, and optimize their portfolio allocations based on individual goals and risk tolerance.

Suggestions:
1. Simplify your portfolio by consolidating investments into fewer funds to reduce complexity and minimize overlap.
2. Monitor the performance of individual funds regularly and consider reallocating investments based on fund performance and market conditions.
3. Maintain a balanced allocation across different market segments to manage risk effectively and optimize returns.
4. Consider consulting with a Certified Financial Planner (CFP) to receive personalized advice tailored to your financial goals and risk profile.
Overall, your investment plan demonstrates a disciplined approach towards wealth accumulation. By staying informed, regularly reviewing your portfolio, and seeking professional guidance when needed, you're well-positioned to achieve your financial objectives. Keep up the good work!

..Read more

Ramalingam

Ramalingam Kalirajan  |8342 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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Hello Sir, Hope you are doing good. My current age 35, I am planning to invest as SIP 60K monthly for 15 years. My goal is 2 crore after 15 years. Below are the schemes I choose. Kindly review and suggest changes if any Midcap Fund Motilal Oswal Midcap Fund Direct-Growth 4K, Mahindra Manulife Mid Cap Fund Direct - Growth 4K, Smallcap Fund Axis small cap direct growth 4k, Canara robecco small cap 4K, quant small cap 4K, Nippon small cap 4K, Mid and Largecap Mirae Asset Emerging Bluechip fund 4K, Axis Growth Opportunities Fund Direct - Growth 4K, Multicap Mahindra Manulife Multi Cap Fund Direct - Growth 4K, HDFC Multi-Cap Fund Direct - Growth - 4K, Mirae Asset Multicap Fund Direct - Growth 4k, Canara Robeco Multi Cap Fund Direct - Growth 4K, Flexi Parag Parikh Flexi Cap Fund Direct-Growth 4K, Quant Flexi Cap Fund Direct-Growth 4K, Value Tata Equity PE Fund Direct-Growth - 4K
Ans: Reviewing and Optimizing Your Mutual Fund Portfolio
It's great to hear from you! Let's review your chosen mutual fund schemes and ensure they align with your investment goals and risk profile.

Acknowledging Your Investment Goals
Genuine Compliments: Your proactive approach towards investing for your future is truly commendable, especially at the age of 35.

Empathy and Understanding: I understand that achieving a corpus of 2 crore in 15 years is a significant financial goal, and it requires a carefully crafted investment strategy.

Evaluating Selected Schemes
Diversification: Your selection of funds across different categories reflects a desire for diversification, which is crucial for managing risk.

Disadvantages of Direct Funds: While direct funds offer lower expense ratios, managing multiple funds directly can be time-consuming and may require expertise.

Benefits of Regular Funds Investing through MFD with CFP Credential: Investing through a Certified Financial Planner (CFP) who specializes in mutual funds can provide professional guidance and simplify the investment process.

Optimizing Your Portfolio
Consolidation: Consider consolidating your portfolio to reduce overlap and streamline management. Focus on quality funds with strong track records.

Risk Management: Given the aggressive nature of mid-cap and small-cap funds, ensure they align with your risk tolerance and time horizon.

Balanced Allocation: Aim for a balanced allocation across large-cap, mid-cap, and multi-cap funds to mitigate risk and capture growth opportunities across market segments.

Conclusion
By optimizing your mutual fund portfolio with a focus on diversification, risk management, and professional guidance from a Certified Financial Planner, you can increase the likelihood of achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8342 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 2024

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Hello Ulhas, Hope you are doing good. My current age 35, I am planning to invest as SIP 60K monthly for 15 years. My goal is 2 crore after 15 years. Below are the schemes I choose. Kindly review and suggest changes if any Midcap Fund Motilal Oswal Midcap Fund Direct-Growth 4K, Mahindra Manulife Mid Cap Fund Direct - Growth 4K, Smallcap Fund Axis small cap direct growth 4k, Canara robecco small cap 4K, quant small cap 4K, Nippon small cap 4K, Mid and Largecap Mirae Asset Emerging Bluechip fund 4K, Axis Growth Opportunities Fund Direct - Growth 4K, Multicap Mahindra Manulife Multi Cap Fund Direct - Growth 4K, HDFC Multi-Cap Fund Direct - Growth - 4K, Mirae Asset Multicap Fund Direct - Growth 4k, Canara Robeco Multi Cap Fund Direct - Growth 4K, Flexi Parag Parikh Flexi Cap Fund Direct-Growth 4K, Quant Flexi Cap Fund Direct-Growth 4K, Value Tata Equity PE Fund Direct-Growth - 4K
Ans: Hello,

It's great to hear about your investment plan. Let's review your chosen schemes and make some suggestions:

Midcap Funds (Motilal Oswal, Mahindra Manulife, Axis Small Cap, Canara Robecco, Quant, Nippon): Midcap and small-cap funds have the potential for high growth but come with higher volatility. Consider consolidating your investments into 2-3 well-performing midcap and small-cap funds to reduce overlap and manage risk better.
Mid and Large-cap (Mirae Asset Emerging Bluechip): This fund provides a blend of mid and large-cap exposure, offering stability and growth potential. It's a good choice for diversification.
Multicap Funds (Mahindra Manulife, HDFC, Mirae Asset, Canara Robeco): Multicap funds provide diversification across market segments and flexibility to capitalize on opportunities across market capitalizations. Your selection offers a good mix of well-established funds in this category.
Flexi Cap Funds (Parag Parikh, Quant): Flexi-cap funds offer flexibility to invest across market caps based on market conditions. Your chosen funds provide diversification and align with your investment strategy.
Value Fund (Tata Equity PE Fund): Value funds focus on undervalued stocks with the potential for long-term growth. Consider the performance track record and investment philosophy of this fund before investing.
Overall, your portfolio is well-diversified across various market segments, which is essential for managing risk and maximizing returns. However, having such a large number of funds may lead to over-diversification and complexity. Consider consolidating your investments into a more streamlined portfolio with a focus on quality funds with consistent performance track records.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.

Regularly review your portfolio's performance and make necessary adjustments to stay aligned with your financial goals. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific needs and objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8342 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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Hello Nikunj, Hope you are doing good. My current age 35, I am planning to invest as SIP 60K monthly for 15 years. My goal is 2 crore after 15 years. Below are the schemes I choose. Kindly review and suggest changes if any Midcap Fund Motilal Oswal Midcap Fund Direct-Growth 4K, Mahindra Manulife Mid Cap Fund Direct - Growth 4K, Smallcap Fund Axis small cap direct growth 4k, Canara robecco small cap 4K, quant small cap 4K, Nippon small cap 4K, Mid and Largecap Mirae Asset Emerging Bluechip fund 4K, Axis Growth Opportunities Fund Direct - Growth 4K, Multicap Mahindra Manulife Multi Cap Fund Direct - Growth 4K, HDFC Multi-Cap Fund Direct - Growth - 4K, Mirae Asset Multicap Fund Direct - Growth 4k, Canara Robeco Multi Cap Fund Direct - Growth 4K, Flexi Parag Parikh Flexi Cap Fund Direct-Growth 4K, Quant Flexi Cap Fund Direct-Growth 4K, Value Tata Equity PE Fund Direct-Growth - 4K
Ans: Hello Nikunj, hope you are doing well. Your investment plan is ambitious and well thought out. Investing ?60,000 monthly with a goal of ?2 crore in 15 years is achievable with a strategic approach.

Current Scheme Selection
You have chosen a diverse mix of midcap, smallcap, mid and largecap, multicap, flexicap, and value funds. This diversification is commendable as it spreads risk across various segments of the market.

Analysis of Current Portfolio
Midcap Funds: These funds offer substantial growth potential but come with higher risk. Your allocation here is balanced.

Smallcap Funds: Smallcaps can yield high returns but are volatile. A ?24,000 allocation is quite aggressive.

Mid and Largecap Funds: These funds provide a balance of stability and growth, which is essential for a long-term portfolio.

Multicap Funds: These funds invest across various market caps, offering diversification within a single fund.

Flexicap Funds: Flexicap funds are versatile and can adapt to market conditions, offering both growth and stability.

Value Funds: These funds invest in undervalued stocks, aiming for long-term growth.

Recommendations for Adjustment
Your portfolio has a strong base, but some adjustments can enhance its performance and stability.

Reduce Smallcap Exposure

Smallcap funds are volatile and carry higher risk. Reducing your exposure slightly can help balance risk and return.

Increase Flexicap and Multicap Allocation

Flexicap and multicap funds offer better diversification and can adjust to market conditions. Increasing their allocation can enhance stability.

Consider Adding a Balanced Advantage Fund

Balanced Advantage Funds (BAFs) adjust their equity and debt allocation based on market conditions. This can provide a cushion during market downturns.

Regular Portfolio Review

Review your portfolio every 6-12 months. This ensures your investments stay aligned with your goals and market conditions.

Disadvantages of Direct Investing
Lack of Professional Guidance

Direct investing in mutual funds without a Certified Financial Planner (CFP) can lead to suboptimal fund selection and allocation.

Emotional Decision-Making

Investors often make emotional decisions during market fluctuations, leading to potential losses.

Time-Consuming

Managing a portfolio requires time and expertise. A CFP can save you time and provide professional insights.

Complexity in Tax Management

Managing taxes on your investments can be complex. A CFP can help optimize tax strategies, ensuring you retain more of your returns.

Importance of Certified Financial Planner (CFP)
A CFP can provide personalized advice, aligning your investments with your financial goals and risk tolerance. They can help you navigate market volatility and make informed decisions.

Strategic Steps to Achieve Your Goal
Increase SIP Annually

Increase your SIP contributions by 10% every six months. This leverages the power of compounding and inflation-adjusted growth.

Emergency Fund

Maintain an emergency fund to cover 6-12 months of expenses. This ensures you don't withdraw from your investments during emergencies.

Diversify Across Asset Classes

While mutual funds are great, consider diversifying into other asset classes like debt funds or international funds for global exposure.

Stay Disciplined

Stick to your investment plan. Avoid reacting to short-term market movements. Consistency is key to long-term wealth creation.

Conclusion
Your goal of ?2 crore in 15 years is achievable with strategic adjustments and disciplined investing. Consider reducing smallcap exposure, increasing flexicap and multicap allocations, and consulting a CFP for professional guidance.

Final Note
Your commitment to a well-planned SIP strategy is commendable. With regular reviews and adjustments, you are on the right path to achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8342 Answers  |Ask -

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

Asked by Anonymous - May 13, 2025
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Greetings!!!! I am 43 years Old, I had started 10k per month TATA AIA SIP in previous year for total 7years Plan. I want to education plan for my 1 kid who is 6 years old now. Please advice and guide me about more investments plan, as i am still confused about future growth and any plan for my wife age 38years.
Ans: You're at a critical financial stage. Planning for your child’s education and securing your family’s future are both top priorities. You've already started a ULIP, which is a start. But let’s take a deeper 360-degree view of your situation.

Below is a detailed plan, broken into simple sections for better clarity.



Assessment of Your Current ULIP Investment

You're investing Rs. 10,000 per month in a 7-year ULIP.



ULIPs mix insurance with investment. That reduces the growth power of your money.



Charges like premium allocation, fund management, and mortality charges reduce returns.



Your actual invested amount is much lower in the first few years.



ULIPs have limited flexibility in fund switching and partial withdrawal rules.



Maturity benefits are taxed if the annual premium exceeds Rs. 2.5 lakh. Be cautious of this.



A ULIP is not ideal for education goals or long-term wealth building.



As a Certified Financial Planner, I suggest surrendering this policy and moving funds to mutual funds.



You can continue till 5 years to avoid surrender charges if already started.



But do not renew after the 7-year term. Don't increase contributions in this ULIP.



Planning for Your Child’s Higher Education

Your child is 6 years old. You have around 11-12 years.



College education in India or abroad can cost Rs. 30–60 lakhs or more.



Instead of ULIPs, invest in diversified mutual funds. This will give better inflation-adjusted returns.



Use a mix of large cap, flexi cap and small cap mutual funds.



Start SIPs in these funds with a long-term horizon of 10-12 years.



You may also consider goal-based child education funds that are actively managed.



Don't invest in direct funds. They look cheaper, but don’t offer guidance.



Always invest through a Certified Financial Planner via a regular plan.



Your investment will stay aligned with your goal as the planner will guide with rebalancing.



Use a dedicated SIP only for child’s education goal. Don’t merge it with retirement planning.



Suggested Action Plan for Child’s Education

Shift future contributions from ULIP to SIPs in active funds.



Start with Rs. 20,000 per month SIP only for education.



Review this SIP every year and increase it by 10%-15% annually.



Add lump sums like bonuses or yearly increments into the same goal fund.



In the last 2 years before the education goal, shift to debt funds slowly.



This will protect your accumulated amount from equity volatility.



Investment Plan for Your Wife (Age 38)

She has a long horizon. She can invest for both retirement and her independent needs.



Open a separate mutual fund folio in her name.



Start SIPs in flexi cap, large & midcap, and hybrid funds in regular plans.



You can start with Rs. 10,000 per month and increase gradually.



You may also use her PPF account for additional tax-free corpus.



Avoid investing in gold, insurance policies, or real estate for her.



Ensure she has her own health insurance and a term insurance if she’s working.



If she’s not working, then create an emergency fund in her name.



That gives her independence and safety if she needs cash.



Family Protection with Insurance

You did not mention your term cover. You must have it if not already.



Ideal cover should be 15–20 times your yearly income.



ULIPs or LIC endowment policies should not be considered for protection.



Avoid investment-linked insurance plans. Keep insurance and investment separate.



Review your existing insurance covers. Add riders like critical illness and accident if needed.



Tax Efficient Planning

Use Section 80C wisely. Don’t just rely on ULIP or LIC plans.



Max out PPF, ELSS mutual funds, and children tuition for tax saving.



Invest in actively managed ELSS funds for better returns than ULIPs.



Avoid index funds for tax planning. They may underperform in volatile markets.



Debt funds are taxed as per slab now. Use carefully if short horizon.



Track capital gains if you sell mutual funds. Use new tax rules for equity funds:



  - LTCG above Rs. 1.25 lakh taxed at 12.5%

  

  - STCG taxed at 20%



Plan redemptions well in advance to manage taxes efficiently.



Retirement Planning (For You and Wife)

Start a separate SIP for your retirement corpus. Do not merge with other goals.



You have 17 years for retirement. That’s good for wealth accumulation.



Invest in a mix of actively managed flexi-cap and large-cap funds.



Add hybrid funds to reduce volatility as you near retirement.



Continue EPF, and increase VPF if possible. It is tax-free and safe.



Don't consider NPS if liquidity is important. Maturity rules are rigid.



Use mutual funds with regular advice to stay on track till age 60.



Exit ULIPs and Poor Insurance Products

You mentioned TATA AIA ULIP. Continue for 5 years to avoid penalty.



After that, exit and move funds to SIP in mutual funds.



If you or wife have LIC endowment, Jeevan Saral, or ULIPs, surrender them.



Reinvest maturity amount into SIPs in regular mutual fund plans.



Do not fall for insurance agents who pitch plans as tax saving or guaranteed.



Emergency Fund and Liquidity

Keep at least 6 months of family expenses in a liquid mutual fund.



Don’t use your SIP or education fund as emergency source.



You may open a separate savings bank linked sweep account for this.



This fund will help if there is any job loss, health issue, or urgent need.



What Not to Do

Don’t invest in new ULIPs or insurance-linked plans.



Avoid direct mutual fund investments. You won’t get guided rebalancing.



Do not use your child’s education fund for house down payment.



Don’t pick index funds. They underperform in sideways or bear markets.



Don’t buy land or gold as an investment for your goals.



Final Insights

You are at a very strategic life stage. You have time and income strength.



ULIPs will not help you grow wealth. Shift to goal-based mutual fund SIPs.



Separate goals: child education, your retirement, wife’s security, and emergencies.



Invest only through a Certified Financial Planner for customised long-term support.



Review all goals every year. Increase SIPs with income.



Protect family with pure term insurance and health insurance.



Focus on building wealth in regular mutual funds, not through insurance products.



Real financial freedom comes when goals are funded without stress.



You have a clear head start. Use it with discipline and right guidance.



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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