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How To Choose the Best Mutual Funds for My Portfolio?

Ramalingam

Ramalingam Kalirajan  |8296 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 11, 2025

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
Subir Question by Subir on Mar 11, 2025Hindi
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Hello Sir, I have invested in the following Mutual Funds: Tata Hybrid Equity Fund, Tata Banking & Financial Funds, Axis Blue Chip, Axis ELSS Tax Saver Fund, Axis Global Equity Alpha, Axis Small Cap, Mirae Asset ELSS Tax Saver, Quant Active Fund, Quant ELSS Tax Saver Fund, Birla Focused Equity Fund, Kotak Flexicap Fund, HSBC Value Fund, SBI Direct Bond Fund, SBI Magnum Income Plan, SBI Banking&Financial Services, SBI Blue Chip, SBI Flexicap Fund, DSP ELSS Tax Saver Fund. Pls. advise if I hold on to them or lose some of them?

Ans: Your mutual fund portfolio is diverse, but some consolidation can improve efficiency. Below is an analysis of key points to help you decide which funds to keep and which to exit.

Key Observations
Overlapping Funds: Multiple funds from the same AMC in similar categories reduce diversification.

Sector-Specific Funds: Banking and financial sector funds add concentration risk.

Too Many ELSS Funds: Excessive ELSS funds may reduce focus on wealth creation.

Global Fund Exposure: International funds can diversify risks but may underperform in volatile global conditions.

Bond Funds for Stability: While bond funds offer stability, they may limit long-term growth.

Recommended Actions
Equity Funds: Focus on Quality Over Quantity
Retain 1-2 large-cap funds for stability and consistent returns.

Keep 1 flexi-cap fund for dynamic investment across market caps.

Retain 1-2 ELSS funds if you require tax savings; avoid over-diversification in this category.

Hold 1 small-cap fund for aggressive growth, but limit exposure to manage volatility.

Avoid multiple funds with similar strategies as they create redundancy.

Sector Funds: Reduce Concentration Risk
Reduce exposure to banking and financial services funds. These are cyclical and can underperform during economic downturns.

Instead, focus on diversified equity funds that include financial sector stocks.

Global Equity Funds: Moderate Allocation
Retain your global fund if you seek international diversification.

Limit exposure to less than 10% of your total portfolio to reduce currency risk.

Bond Funds: Stability with Limited Growth
Retain 1 bond fund for liquidity needs or near-term expenses.

Avoid excessive debt fund investments if your goal is long-term wealth creation.

Portfolio Optimisation Strategy
Aim for 7-9 well-chosen funds instead of spreading investments too thin.

Focus on a mix of large-cap, flexi-cap, mid-cap, and small-cap funds for balanced growth.

Retain one global fund for international exposure.

Include one debt fund for short-term financial needs.

Exit funds with similar investment strategies to improve clarity and focus.

Tax Efficiency Considerations
Consider the latest capital gains tax rules when redeeming equity funds.

Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

For debt funds, both LTCG and STCG are taxed as per your income slab.

Plan redemptions strategically to minimise tax impact.

SIP Strategy
Continue SIPs in high-performing equity funds with strong track records.

Increase SIPs in funds aligned with your long-term goals.

Reduce or stop SIPs in overlapping or underperforming funds.

Final Insights
Your portfolio requires better alignment with your financial goals. By reducing fund overlap and sector-specific exposure, you can improve returns and risk management. Focus on a leaner, more diversified portfolio with a strong mix of equity and debt funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 29, 2019

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Dear Sir, I have following mutual funds: Please comment whether I shall sell or retain. ABSL Equity fund growth HDFC Equity fund growth ICICI Pru Nifly Index Growth ICICI Pru Infrastructure Growth SBI Focused Equity Fund Growth    UTI Master Share UTI MNC Fund Magnum Taxgain Sundaram Infrastructure ABSLMidcap Growth Name of the Fund Name of the Fund RankMF Star Rating ABSL Equity fund growth Equity - Multi Cap Fund 4 HDFC Equity fund growth Equity - Multi Cap Fund 4 ICICI PruNifly Index Growth Index Funds - Nifty 4 ICICI Pru Infrastructure Growth Equity - Sectoral Fund - Infrastructure 2 SBI Focused Equity Fund Growth Equity - Focused Fund 4 UTI Master Share Equity - Large Cap Fund 5 UTI MNC Fund Equity - Thematic Fund - MNC 3 Magnum Taxgain Equity - ELSS 3 Sundaram Infrastructure Equity - Sectoral Fund - Infrastructure 2 ABSLMidcap Growth Equity - Mid Cap Fund 2
Ans: You may continue with funds with 4 and 5 star rated, sector funds to be avoided and good funds in Multicap , Focused and Mid cap should be invested in.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

ELSS: Suitable options considering quality and value for money at present levels are Motilal Oswal Long Term Equity – Growth

..Read more

Ramalingam

Ramalingam Kalirajan  |8296 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 16, 2025

Money
I am currently investing in 9 mutual funds : 1. Quant small cap 1000 2. Nippon small cap 3500 3. Motilal mid cap 2000 4. Parag parikh flexi cap 2500 5. Icici nasdaq 100 1000 6. Quant large and mid cap 2000 7. Hdfc pharma and healthcare fund 2000 8. Icici technology fund 1000. Investing since may 2024 . Please advice if i shud hold or change. returns till now 0%
Ans: It’s great that you have started investing in mutual funds. You have chosen a variety of funds, but your returns are currently at 0%. This could be due to several factors, including market conditions, asset class performance, and time horizon. Let’s evaluate your portfolio and determine whether you should hold or change your investments.

Portfolio Breakdown
You have spread your investments across multiple asset classes: small-cap, mid-cap, flexi-cap, sectoral funds, and international exposure. Here’s a quick look at the funds you have invested in:

Small-Cap Funds: Quant Small Cap and Nippon Small Cap
Mid-Cap Funds: Motilal Mid Cap
Flexi-Cap Fund: Parag Parikh Flexi Cap
Sectoral Funds: HDFC Pharma and Healthcare Fund, ICICI Technology Fund
International Exposure: ICICI Nasdaq 100
Large & Mid-Cap Fund: Quant Large and Mid Cap
This diversified approach is beneficial in balancing risks across various sectors. However, the question arises: is this the most efficient allocation for your goals?

Fund Performance and Timing
Your funds have delivered 0% returns so far. The performance could reflect the current market conditions. Markets, especially equity markets, can be volatile in the short term, and returns take time to materialize. The 0% return does not necessarily indicate a poor investment choice.

Given that you’ve been invested only since May 2024, this is still a relatively short period. Mutual fund returns often need 3-5 years to show significant growth, especially in small-cap and sectoral funds.

Key Observations
Small-Cap Funds:

Small-cap funds tend to be more volatile but have the potential for high returns over time. They can experience significant fluctuations, especially in the short term.
If you have a long-term horizon, holding on to them could be wise. However, ensure your exposure to small-cap funds does not exceed your risk tolerance.
Mid-Cap Funds:

Mid-cap funds have the potential to offer balanced returns by being less volatile than small-cap funds.
These funds usually work well for medium-term investments (5-7 years).
Flexi-Cap Funds:

Flexi-cap funds are diversified and invest across market caps. Parag Parikh Flexi Cap is generally known for strong long-term performance.
Holding this fund makes sense for stability and diversification in your portfolio.
Sectoral Funds:

Sector-specific funds like pharma and technology are more volatile and can offer high returns during industry booms.
However, they are risky and should ideally make up a small portion of your portfolio (not more than 10-15%).
You may want to reassess if these are essential to your portfolio or if diversification into broader funds is better.
International Exposure:

ICICI Nasdaq 100 offers exposure to international markets, particularly the US tech sector.
While international funds have growth potential, they are subject to currency risks and economic cycles outside India. Diversifying internationally can be a good move, but it should be balanced.
Large & Mid-Cap Funds:

These funds strike a balance between growth and stability. They offer exposure to both large-cap and mid-cap stocks, providing both safety and growth potential.
Quant Large and Mid Cap can serve as a stabilizer in your portfolio.
Evaluating Your Current Portfolio
Diversification: Your portfolio is diversified across small-cap, mid-cap, flexi-cap, sector-specific, and international funds. This is generally a good approach to managing risk.
Sectoral Overload: The allocation to sectoral funds (HDFC Pharma and ICICI Technology) could be reduced. These funds can underperform if their respective sectors face a downturn.
Risk Profile: Given your relatively young age (24 years) and the long-term nature of your retirement goal, it’s acceptable to have a higher risk exposure. However, the current allocation might have too much focus on small-cap and sectoral funds, which could be volatile in the short term.
Performance Tracking: Your portfolio’s performance should be reviewed annually. If funds show consistent underperformance, you might need to switch to better-performing funds.
Investment Strategy Moving Forward
Reduce Sectoral Exposure:

Consider reducing investments in sectoral funds like pharma and technology, as they are highly dependent on sector-specific factors and market cycles.
Reallocate this amount to diversified flexi-cap or large-cap funds.
Increase Allocation to Mid and Large-Cap Funds:

Mid-cap and large-cap funds are generally less volatile compared to small-cap funds. These will provide stability to your portfolio.
Flexi-cap funds can also provide exposure to a broader market, including large, mid, and small-cap stocks.
Increase Exposure to Actively Managed Funds:

Actively managed funds, especially in large and mid-cap categories, tend to perform better over the long run due to the active decision-making involved. These funds are more focused on stock selection and can mitigate risks better than passive options.
Review the International Fund Exposure:

ICICI Nasdaq 100 could be beneficial for diversification, but the US market has risks. A better approach might be exposure to emerging markets or other international funds to balance risk.
Regular Investment Review:

Review your portfolio every 6 months or annually to ensure it is aligned with your goals.
Track the performance of each fund. If a fund consistently underperforms, it may be time to exit and switch to a better alternative.
Asset Allocation Recommendation
Equity Funds: 60-70%
Diversify across large-cap, mid-cap, and flexi-cap funds.
Debt Funds: 20-30%
For stability and regular income, consider allocating some portion to debt funds or hybrid funds.
International Funds: 5-10%
Consider reducing exposure to sector-specific international funds and increase exposure to broad-based international funds.
Final Insights
Your portfolio has the potential to perform well over the long term, but there are some areas that could benefit from fine-tuning. The key is to balance between high-risk, high-reward investments (small-cap, sectoral funds) and more stable, diversified funds (mid-cap, large-cap, flexi-cap). Regular reviews and adjustments, along with maintaining discipline in SIPs, will help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8296 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 28, 2025

Asked by Anonymous - Apr 28, 2025
Money
Dear Sir/Madam, I am considering investing in a commercial property located approximately 3-5 kilometers from the upcoming Navi Mumbai International Airport. I have identified a few commercial areas priced around Rs. 40 lakhs, offering a carpet area between 100-200 square feet. The anticipated average monthly rental yield is approximately Rs. 15,000. I plan to invest Rs. 25 lakhs of my own funds and would like to secure a bank loan for the remaining Rs. 15 lakhs. Currently, I have no existing loan liabilities and am employed in a salaried position. However, I am uncertain if this is a wise investment decision, especially since my bank EMI would exceed the expected monthly rental yield, and I may face additional expenses related to the property purchase. I would greatly appreciate your guidance on this matter. Thank you in advance for your assistance.
Ans: You have rightly thought about growing your wealth.

Investing with careful assessment is always a smart and disciplined move.

You are trying to create an extra income source, which is a wonderful financial habit.

However, your current investment plan needs careful re-evaluation.

Your concern about EMI being higher than rent is very valid.

You are already spotting possible cash flow risks at an early stage.

That shows your awareness and maturity towards financial planning.

Three cheers for this clarity at the beginning itself.

Analysis of Your Commercial Property Plan

Property near a new airport can seem attractive to many investors.

However, real estate investments have hidden risks and complexities.

Your rental yield expected is Rs. 15,000 per month.

But your EMI for Rs. 15 lakh loan will be higher than Rs. 15,000.

Thus, there will be a cash shortfall every month.

Also, maintenance charges, property taxes, brokerage fees will further eat into returns.

Finding a tenant immediately after purchase is also not guaranteed.

There could be long vacancy periods with no rent income.

Repairs, legal paperwork, society charges will cause unexpected additional expenses.

If tenant defaults, the recovery process is complicated and stressful.

Selling commercial property in future can also take a lot of time.

Real estate resale value depends on market cycles, which are not predictable.

Commercial spaces sometimes stay unsold or unrented for many months.

Hence, your investment capital will be locked and liquidity will become poor.

You will not be able to exit easily during an emergency.

Further, real estate price growth is slow and sometimes stagnant.

Even in prime locations, commercial properties carry such risks.

Thus, it is not ideal for generating safe monthly income.

Assessing Your Monthly Cash Flow Stability

You are a salaried person without any loan burden now.

Taking a new loan when EMI exceeds income from asset is risky.

It can cause high financial stress if job loss or salary cut happens.

Debt without guaranteed cash inflow weakens your financial strength.

Financial freedom comes by reducing liabilities, not by increasing EMIs unnecessarily.

Right now, you should focus on strengthening your cash flow safety.

Ensure your investments earn stable and predictable income for you.

Avoid entering into investments where outflows are bigger than inflows.

A mismatch in cash flow can derail your future financial goals.

Alternative and Safer Investment Strategy

You have a wonderful opportunity to invest Rs. 40 lakh wisely.

Instead of commercial property, choose safer and smarter options.

Invest in a diversified portfolio of debt mutual funds and hybrid mutual funds.

Opt for regular plans through a Certified Financial Planner for guided support.

Debt mutual funds provide stable returns and monthly income through SWP (Systematic Withdrawal Plan).

Hybrid mutual funds (Balanced Advantage Funds) can protect against inflation better.

Actively managed funds perform better than index funds in tough markets.

In index funds, you are tied to market ups and downs with no professional edge.

Hence, actively managed funds through a CFP offer better risk-managed growth.

Debt mutual funds taxation is reasonable under the new rules from April 2024.

Long-term capital gains are taxed as per income slab in debt funds.

For equity mutual funds, LTCG above Rs 1.25 lakh taxed at 12.5% now.

Overall, the post-tax returns in mutual funds are attractive compared to property rentals.

Also, mutual fund portfolios are far more liquid than real estate.

You can sell or redeem easily whenever needed without heavy expenses.

Emergency Fund Creation Should be Priority

Before thinking about monthly income investments, secure an emergency fund.

Park 6 to 12 months of your expenses in liquid mutual funds.

Liquid funds are safe, low-risk, and can be withdrawn anytime within 1-2 days.

Never depend only on salary or investment income without a backup emergency fund.

Emergency funds give huge mental peace and financial confidence.

Health and Life Insurance Check

Ensure you have adequate health insurance cover for you and your family.

Minimum Rs. 10-15 lakh health cover is recommended individually.

Without health cover, one hospitalization can destroy your savings.

Also, take a pure term life insurance cover if dependents exist.

Avoid ULIP and endowment policies for insurance, they are not cost effective.

Pure term plan provides large cover at low premium, ensuring financial protection.

Retirement Planning Should Also Be Balanced

While creating monthly income now, plan for future retirement too.

Allocate some portion to long-term equity mutual funds through SIP.

This ensures you beat inflation and create a good retirement corpus.

Today’s Rs. 15,000 monthly expenses will be Rs. 50,000 after 20 years.

Hence, balancing current income needs and future corpus building is very important.

Important Risks If You Invest in Property Now

Cash flow mismatch (EMI greater than rent)

Long periods of vacancy

High transaction cost in buying and selling property

Maintenance cost, repairs, tenant-related legal issues

Property market volatility and slow appreciation

Difficulty in exiting when urgently needed funds

Poor liquidity compared to mutual funds

Simple Action Plan for You Now

Do not invest in commercial property at this stage

Invest in diversified mutual funds portfolio (Debt + Hybrid funds)

Start SWP for monthly income after proper fund selection with CFP guidance

Build emergency fund in liquid mutual funds (Rs. 4 to 6 lakh)

Take health insurance and term insurance cover without delay

Keep small allocation for long-term SIPs for retirement corpus

Review portfolio every 6-12 months with a Certified Financial Planner

Finally

Your goal of building a stable monthly income is very good.

However, investing in commercial property near airport is risky and unsuitable now.

Focus on low-risk, liquid and inflation-beating mutual funds for regular income.

Have a well-rounded 360-degree financial plan covering income, emergency, insurance, and retirement.

Your financial journey will be much safer, stronger, and stress-free.

Right strategy today will help you achieve real financial freedom tomorrow.

You are already thinking smartly, now just align execution with a structured plan.

If you wish to reach out personally, you can connect through my website mentioned below.

This platform restricts direct personal contact sharing. Hope you understand.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8296 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 28, 2025

Asked by Anonymous - Apr 28, 2025
Money
Sir, I am an NRI (aus), 40 years old. I am aiming for 10cr in 10 years with 20L per year investment. I zeroed in the following, are they good? Assuming 15% growth per annum. Parag Parekh flexi cap direct Axis flexi cap direct g HDFC mid cap opportunities direct g SBI small cap fund direct g ICICI pru technology direct g.
Ans: You want to build Rs 10 crore in 10 years.

You plan to invest Rs 20 lakh per year.

Your target is very inspiring and focused.

You assume 15% growth per year from investments.

This ambition is achievable but needs careful planning and right execution.

At 40 years, you still have time, but need to be very disciplined.

It is good that you are thinking seriously about long-term wealth creation.

However, we need to assess the investment choices deeply.

Evaluation of Your Current Selection
You have selected 5 direct mutual fund schemes.

You selected flexi cap, mid cap, small cap and technology sector funds.

Your selection shows you are willing to take higher equity risk.

Still, few important points must be considered before proceeding.

I will explain the strengths and risks clearly below.

Problems with Direct Mutual Funds
Direct mutual funds are cheaper but not automatically better.

Without Certified Financial Planner guidance, wrong direct fund choices can happen.

Direct funds need constant monitoring and periodic rebalancing.

If you miss reviewing, risk will increase over years.

Investing through a Certified Financial Planner + MFD gives full 360-degree service.

A regular plan managed through MFD with CFP ensures disciplined monitoring.

Professional rebalancing keeps your portfolio healthy against market ups and downs.

Saving 1% expense ratio is not useful if you lose 20% capital by wrong strategy.

Thus, direct funds are not recommended for serious wealth building goals like yours.

Disadvantages of Index Funds
Although you have not mentioned Index funds, still important to highlight here.

Index funds blindly follow the market, they do not aim to beat it.

They invest even in poor companies just because they are in index.

No active decision-making to protect during market fall.

In India, actively managed funds have consistently outperformed index funds.

Index funds are good only in developed countries, not in India yet.

Thus, actively managed mutual funds are better for your 10 crore goal.

Analysis of Your Selected Categories
Now let's look at each category you have selected.

Flexi Cap Funds
Flexi cap funds are very versatile and flexible.

They invest across large, mid, and small cap companies.

They are core funds and suitable for long term investing.

Having two different flexi cap funds is slightly overlapping.

One good flexi cap fund is enough.

Select based on strong consistent performance under Certified Financial Planner guidance.

Mid Cap Fund
Mid caps offer higher growth potential compared to large caps.

They also carry higher volatility risk.

Mid cap exposure must be limited to 20-25% of portfolio.

Selection of quality midcap fund is critical.

Blind selection can backfire badly during market corrections.

Small Cap Fund
Small caps are even more volatile than mid caps.

They give high returns only when market is extremely strong.

In down markets, they can fall 60-70%.

Small cap exposure should not exceed 10-15% of total portfolio.

Handling small caps requires experienced monitoring.

Not suitable for very aggressive allocation unless monitored monthly by CFP.

Technology Sector Fund
Sector funds like technology funds are very risky.

If sector performs, gains will be big.

If sector underperforms, losses will be severe.

Sector exposure should be maximum 5-10% of your portfolio.

Technology sector is very cyclical and policy dependent.

Too much sector allocation can derail your 10 crore goal.

Ideal Structure for You
Now, based on your inputs, here is a better structure for you.

Again, no scheme names are suggested, as per your instruction.

Core Portfolio (65% to 70%)
One strong Flexi Cap fund (managed by good fund manager).

One Large and Mid Cap fund (balanced approach towards large caps and midcaps).

One Conservative Hybrid Equity Fund (for stability during market volatility).

Satellite Portfolio (30% to 35%)
One focused Mid Cap fund with proven track record.

One selected Small Cap fund but with strict monitoring.

Minimal sector exposure like Technology, not more than 5%.

Regular review of sector allocation every quarter.

Important Points to Consider
Maintain proper diversification across sectors and market caps.

Avoid duplication of same category funds.

Choose only consistent long-term performers.

Annual rebalancing is a must.

Review fund performance once in 6 months minimum.

Align investments based on market valuations with CFP guidance.

Managing Risk and Returns
When aiming for Rs 10 crore, managing risk is as important as earning returns.

Never keep 100% equity exposure throughout 10 years.

Move part of profits to safer instruments as you near 10 years.

Create an asset allocation roadmap now itself.

Follow the roadmap strictly under Certified Financial Planner supervision.

Use Systematic Transfer Plans (STPs) whenever shifting money between categories.

Inflation and Taxes
Inflation is your biggest enemy, bigger than taxes.

At 6% inflation, Rs 10 crore after 10 years will feel like Rs 5.5 crore today.

Thus, you must keep wealth creation target a little higher than 10 crore.

New MF Capital Gain Tax rules must be kept in mind:

Equity fund LTCG above Rs 1.25 lakh taxed at 12.5%.

Short-term capital gains taxed at 20%.

Debt funds fully taxed as per your income slab.

Plan withdrawals carefully to minimise tax impact.

Importance of Certified Financial Planner Support
Since you are serious about wealth creation, professional support is very important.

A Certified Financial Planner will give you:

Proper asset allocation based on your risk capacity.

Right fund selection based on 360-degree analysis.

Regular portfolio review and timely rebalancing.

Tax efficient withdrawal planning.

Contingency planning in case of emergencies.

Alignment of investments with your long term goals.

Emotional discipline during market volatility.

Peace of mind that your future is well protected.

Final Insights
You have shown excellent clarity and commitment towards your financial goals.

However, building Rs 10 crore is a serious, full-time task needing expert care.

Your fund selection direction is good but needs fine-tuning for stability and efficiency.

Direct mutual funds without professional guidance can expose you to unnecessary risks.

Active management, regular reviews, dynamic rebalancing will increase your success chances.

Focus on wealth preservation as much as on wealth creation over next 10 years.

Please make sure your family is also aware of your plans and investments.

I sincerely appreciate your proactive and visionary thinking for your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |350 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 28, 2025

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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