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29 Year Old Investing for 30 Years: Seeking Portfolio Feedback

Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 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
Sam Question by Sam on Feb 04, 2025Hindi
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Money

Hello Sir/Ma'am, I hope you are doing good. I am currently 29 years old and i have started investing in mutual funds from December 2024. I am currently investing Rs. 30000/- every month with an annual stepup of 10%. My investment period is for 30 years. My current portfolio as follows: Flexi Cap Fund: 1. Parag parikh flexi cap fund direct growth - (Rs. 5550/-). 2. Nippon India Nifty 500 momentum 50 index fund direct growth - (Rs. 6000/-). MIDCAP FUND : 1. Kotak Nifty midcap 150 momentum 50 index fund direct growth - (Rs. 7400/-). SMALL CAP FUND : 1. TATA SMALLCAP FUND direct growth - (Rs. 3500/-). 2. Mirae assets nifty smallcap 250 momentum quality 100 index fund fof direct growth - (Rs. 5920/-). LARGE CAP FUND : 1. KOTAK NIFTY NEXT 50 INDEX FUND direct growth - (Rs. 1630/-). Could you please suggest me how is my portfolio at the moment and i would be thankful if you suggest me any changes required. Thank you.

Ans: Your investment approach is structured and disciplined. You are consistently investing and planning for long-term growth. However, some refinements can enhance your portfolio’s efficiency.

Here is a detailed evaluation of your portfolio, highlighting strengths, risks, and areas for improvement.

Positive Aspects of Your Portfolio
Consistent Investments

You are investing Rs. 30,000 per month, which is substantial.
A 10% step-up ensures growth in investment over time.
Long Investment Horizon

A 30-year investment horizon allows compounding to work effectively.
Diversification Across Market Caps

Your portfolio includes large-cap, mid-cap, small-cap, and flexi-cap funds.
This diversification reduces risk and enhances return potential.
Growth-Oriented Approach

Your funds focus on long-term capital appreciation.
Small-cap and mid-cap funds bring high-growth opportunities.
No Sectoral or Thematic Overexposure

You are not overly exposed to any single sector or theme.
This ensures a balanced risk-reward ratio.
Concerns and Areas for Improvement
Over-Reliance on Index Funds
Index funds follow a passive approach and lack active fund management benefits.
Actively managed funds can outperform index funds, especially in small-cap and mid-cap categories.
Index funds do not protect against market downturns like active funds.
You have multiple index-based investments, which may limit your upside potential.
Higher Small-Cap and Mid-Cap Allocation
Small-cap and mid-cap funds are volatile.
These funds can give high returns but can also see sharp declines.
Your current allocation may lead to higher portfolio fluctuations.
Direct Plan Disadvantages
Direct plans do not provide professional fund selection and rebalancing.
A Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) can help optimise your portfolio.
Regular plans come with advisor expertise, which helps in long-term wealth creation.
Recommended Portfolio Adjustments
Reduce Index Fund Exposure
Replace index funds with actively managed funds for better performance.
Active fund managers adjust portfolios based on market trends, offering downside protection.
Choose funds with a strong track record of risk-adjusted returns.
Rebalance Small-Cap and Mid-Cap Allocation
Reduce small-cap exposure slightly to manage risk.
Increase flexi-cap or large-cap allocation for stability.
Balanced exposure to all market caps will create a steady portfolio.
Shift to Regular Plans for Professional Guidance
Direct funds lack expert monitoring.
A Certified Financial Planner can provide insights into market cycles.
Portfolio rebalancing and allocation adjustments will be handled professionally.
Where to Invest the Adjusted Amount
Increase Flexi-Cap Fund Allocation

A flexi-cap fund offers exposure across all market caps.
This reduces overexposure to small-cap and mid-cap.
Consider Large & Mid-Cap Funds

These funds balance growth and stability.
They provide higher returns than large-cap funds while being less volatile than small-cap.
Include Hybrid Funds for Stability

A balanced advantage fund or a dynamic asset allocation fund reduces volatility.
These funds adjust equity-debt allocation dynamically.
Add a Conservative Debt Fund

This provides stability and liquidity.
You can use it for short-term needs or rebalancing.
Final Insights
Your investment strategy is strong and goal-oriented.
Minor adjustments can improve returns and reduce risk.
Reduce index funds and switch to actively managed funds.
Diversify better between large-cap, mid-cap, and small-cap.
Shift from direct to regular plans for professional management.
A well-balanced portfolio will create long-term wealth while managing risk.
If you need further guidance, professional portfolio restructuring can help.

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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Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Asked by Anonymous - Feb 29, 2024Hindi
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Money
Hello I'm working in private sector and my age is 34. Currently i'm investing in 7 mutual funds for longterm wealth creation. Rs1000 in Quant Small Cap Fund Direct Plan Growth, Rs1000 in Quant Mid Cap Fund Direct Growth, Rs1000 in Quant ELSS Tax Saver Fund Direct Growth, Rs1000 in Parag Parikh Flexi Cap Fund Direct Growth, Rs1000 in Nippon India Nifty Smallcap 250 Index Fund Direct Growth, Rs1000 in Motilal Oswal Nifty Midcap 150 Index Fund Direct Growth, Rs1000 in DSP Nifty 50 Equal Weight Index Fund Direct Growth. Please let me know if you see any need for corrections or changes in my portfolio. Thank you.
Ans: Evaluating and Optimising Your Mutual Fund Portfolio
Commendation on Your Investment Strategy
First, congratulations on your commitment to long-term wealth creation. At 34, you have ample time to grow your investments, and your diversified approach is commendable. Investing in mutual funds is a smart way to build wealth over time.

Analysis of Your Current Portfolio
Understanding Your Choices:

You are currently investing Rs. 1,000 each in seven mutual funds. Your portfolio includes small-cap, mid-cap, ELSS tax saver, flexi-cap, and index funds. This diversification helps spread risk across different market segments.

Pros:

Diversification: Your investments cover various market capitalisations and sectors, reducing risk.
Growth Potential: Small-cap and mid-cap funds can offer high growth potential over time.
Tax Savings: ELSS funds provide tax benefits under Section 80C.
Cons:

Overlapping Investments: Multiple funds in similar categories can lead to overlapping, reducing overall diversification.
Management Effort: Managing many funds can be time-consuming and may require frequent monitoring.
Assessing Direct Funds vs. Regular Funds
Direct Funds:

Lower Expense Ratios: Direct funds have lower expense ratios, meaning more of your money is invested.
Requires Expertise: Direct investing requires a good understanding of the market and funds.
Regular Funds:

Professional Guidance: Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) provides expert advice.
Active Management: Professional fund managers actively manage your investments, aiming to outperform the market.
Evaluating Actively Managed Funds vs. Index Funds
Actively Managed Funds:

Potential for Higher Returns: Fund managers actively select stocks to beat the market, potentially offering higher returns.
Personalised Management: These funds can be tailored to market conditions and investment goals.
Index Funds:

Market Performance: Index funds aim to replicate the market, which may limit returns.
Lower Fees: They generally have lower fees but lack the flexibility of active management.
Suggested Portfolio Adjustments
To optimise your portfolio, consider the following adjustments:

Reduce Overlap:

Consolidate Funds: Streamline your investments by consolidating funds with similar objectives. This reduces overlap and simplifies management.
Increase Active Management:

Professional Management: Shift some investments from index funds to actively managed funds. This leverages the expertise of professional managers.
Balance Risk and Return:

Diversify Wisely: Ensure a good mix of high-growth potential funds and stable investments. This balances risk and return effectively.
Empathy and Understanding Your Financial Goals
Your dedication to investing and building wealth is admirable. It’s essential to align your investments with your long-term goals. By reviewing and adjusting your portfolio, you can enhance its performance and achieve financial success.

Conclusion
Your current investment strategy is on the right track. With some adjustments and professional guidance, you can optimise your portfolio for better returns. Diversification, professional management, and balancing risk will help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8093 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 30, 2024

Money
Sir, I am a 29 year old male and i am investing monthly 30k per month with 10% stepup every year for the next 25 years. This is my current portfolio : 1. 8k in Nippon nifty 500 momentum 50 index fund. 2. (7.4k) in Kotak nifty midcap 150 momentum 50 index fund. 3. (Rs.4,920) in Parag parik flexicap mutual fund. 4. (Rs.3630) in Kotak Nifty Next 50 kndex fund. 5. (Rs.3500) in Tata small cap fund. 6. (Rs.2550) in Mirae Assets nifty smallcap 250 momentum quality 100 index fund. Would please check my current portfolio and please suggest me to make any changes to the current portfolio. Thank you.
Ans: Your disciplined approach to investing is commendable. A 25-year horizon with step-up SIP ensures compounding benefits. Let us evaluate your portfolio and suggest improvements.

Strengths of Your Current Portfolio
1. Diverse Asset Allocation
Investments include large-cap, mid-cap, small-cap, and flexicap funds.
This creates exposure to varied market capitalisation for balanced growth.
2. Focus on Momentum Investing
Momentum funds aim to capitalise on high-performing stocks.
Your choices reflect a growth-oriented strategy.
3. Regular Contributions
Monthly SIPs ensure disciplined investing.
The 10% annual step-up aligns with inflation-adjusted wealth creation.
4. Long-Term Perspective
Your 25-year investment horizon maximises compounding.
Market volatility will average out over time.
Key Areas for Improvement
1. Over-Dependence on Index Funds
Your portfolio heavily favours index funds.
Index funds mimic benchmarks and lack flexibility during market downturns.
Actively managed funds, guided by experts, may offer better returns.
2. Small Allocation to Flexicap Fund
Flexicap funds adjust allocation across market caps for stability.
Increasing this allocation can provide balanced growth and reduce volatility.
3. Sector and Style Overlap
Momentum strategies dominate your portfolio.
Momentum funds may underperform during market corrections.
Diversify to include value-based or balanced funds.
4. Limited Small-Cap Allocation
Small-cap funds are vital for long-term growth but carry higher risks.
Ensure you don’t overallocate beyond risk tolerance.
Suggested Changes
1. Increase Actively Managed Funds
Include funds with a proven track record in various market cycles.
Focus on funds managed by experienced fund managers.
2. Rebalance Between Active and Passive Funds
Reduce exposure to passive index funds.
Add actively managed multicap or equity funds for consistent performance.
3. Reassess Momentum Fund Exposure
Consider limiting momentum fund investments to 30%-40% of your portfolio.
This balances growth potential with risk management.
4. Add Balanced Hybrid Funds
Hybrid funds combine equity and debt, ensuring stability in volatile markets.
Allocate 15%-20% of your portfolio to such funds.
5. Increase Flexicap Fund Allocation
Raise flexicap allocation to at least 25% of your portfolio.
This brings flexibility and adaptability to market trends.
6. Regular Portfolio Review
Review the portfolio annually for performance and alignment with goals.
Adjust based on changes in financial goals or market dynamics.
Taxation Insights
1. Capital Gains Taxation
Equity fund LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
2. Minimise Tax Impact
Hold equity funds for at least one year to avoid higher STCG rates.
Use tax-loss harvesting to offset gains.
Final Insights
Your portfolio is structured well for long-term growth. However, reducing reliance on passive funds and adding diversification can optimise returns. A balanced allocation to active, hybrid, and flexicap funds will ensure stability and growth. Regularly review and rebalance your portfolio for continued success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Mar 13, 2025

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I got 89 percentile in jee mains 2025 which branch of nit rourkela can i go into . I am from st category other state
Ans: Adnan, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

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

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide help s! All the best for your admissions!

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

...Read more

Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Mar 13, 2025

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Career
Sir I have got 155 marks in jee mains obc-ncl category uttar pradesh can I get cse or ecce in NIT
Ans: Vashu, please provide percentile please. Based on your percentile, here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

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

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

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

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

...Read more

Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Mar 13, 2025

Asked by Anonymous - Mar 12, 2025Hindi
Listen
Career
97.08 percentile in JEE main, hyderabad kota. OC , EWS category. Which NIT or IIIT I will get CSE or ECE branch all over India. Any chance I will get CSE or ECE in warangal NIT
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

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

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

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

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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