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Ramalingam

Ramalingam Kalirajan  |8013 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 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
Asked by Anonymous - Jun 26, 2024Hindi
Money

Iam 43yrs old ,currently not working .I need to give 10000 towards my father monthly expenses. Apart from this, I want to save and support my husband and kid.I have 20lacs Fd can you please suggest a good financial plan for me .I have term and life and health insurance.

Ans: First, let me commend you on your proactive approach to financial planning. Balancing family support and personal savings is a significant task. Your desire to support your father with Rs. 10,000 monthly and save for your family's future is admirable. It's important to create a well-structured financial plan that addresses your immediate and long-term needs. Let’s dive into the details.

Assessing Current Financial Status
You mentioned having Rs. 20 lakhs in a fixed deposit. Fixed deposits offer safety but have low returns. Considering your responsibilities, we should optimize this amount for better growth while maintaining some level of safety.

Immediate Financial Responsibilities
You need to provide Rs. 10,000 monthly for your father's expenses. This commitment requires Rs. 1.2 lakhs annually. Ensuring this amount is available without financial strain is crucial.

Emergency Fund
An emergency fund is essential. It should cover at least 6-12 months of your expenses. This provides a financial cushion for unexpected events. Given your circumstances, Rs. 2-3 lakhs set aside in a liquid fund or a high-interest savings account is advisable.

Investment Strategy for Growth
Fixed deposits are safe but offer limited growth. To support your family better, consider diversified investments. Here are a few options:

1. Mutual Funds
Mutual funds are a great way to diversify and grow your wealth. Since you mentioned not being interested in index funds, actively managed mutual funds are a good alternative. These funds are managed by professionals who aim to outperform the market.

Benefits of Regular Funds through a CFP:

Professional Management: Expert fund managers handle your investments, optimizing for better returns.
Financial Guidance: Investing through a Certified Financial Planner (CFP) provides ongoing advice and portfolio adjustments.
Convenience: Regular funds managed by a CFP ensure you're not burdened with constant monitoring and decision-making.
Consider allocating Rs. 10-12 lakhs of your fixed deposit into a mix of equity and debt mutual funds. This balance offers growth and stability. Equity funds are suitable for long-term growth, while debt funds provide lower risk and stable returns.

2. Systematic Investment Plan (SIP)
SIPs allow you to invest a fixed amount regularly in mutual funds. They instill discipline and take advantage of market fluctuations.

Start a SIP: With Rs. 10,000-15,000 monthly, you can steadily build wealth. This method is less risky due to cost averaging.
Long-term Growth: SIPs in equity funds, especially those focusing on large-cap and multi-cap stocks, are ideal.
Child’s Education and Future
Ensuring your child’s education and future is secure is another priority. Here’s a structured approach:

1. Education Fund
Start an education fund if you haven’t already. This fund should be a mix of equity and balanced funds, ensuring growth and some stability.

Targeted Growth: Investing Rs. 5-7 lakhs in a combination of child-specific mutual funds can provide significant growth over time.
SIP for Education: Allocate a portion of your monthly SIP specifically towards this goal.
2. Child Insurance Plans
Child insurance plans offer both investment and protection. They ensure that your child's education is secured even in your absence. Consult your CFP for the best plans tailored to your needs.

Retirement Planning
Though you’re not currently working, planning for retirement is essential. Your husband’s income and your investments should ensure a comfortable retirement. Here’s how:

1. Retirement Fund
Building a retirement corpus through mutual funds and SIPs is advisable.

Equity Exposure: Allocate a significant portion to equity funds for long-term growth.
Balanced Funds: Include balanced funds for stability and growth.
Monthly SIPs: Continue SIPs focused on retirement, aiming for a substantial corpus over the next 15-20 years.
Health and Life Insurance
You’ve mentioned having term, life, and health insurance. Ensuring these are adequate is vital.

1. Health Insurance
Review your health insurance coverage. With increasing medical costs, ensure it’s comprehensive. If needed, consider a top-up plan for additional coverage.

2. Term Insurance
Ensure your term insurance coverage is sufficient. It should cover at least 10-15 times your annual expenses. This provides financial security for your family.

Debt Management
While you didn't mention existing debts, managing any potential debt is crucial. Avoid high-interest loans and prioritize debt repayment.

Tax Planning
Effective tax planning can save you money and enhance your savings.

1. Tax-saving Investments
Invest in instruments like Equity Linked Savings Schemes (ELSS), which offer tax benefits under Section 80C and provide good returns.

2. Health Insurance Deductions
Claim deductions for health insurance premiums under Section 80D.

Financial Discipline
Maintaining financial discipline is key to achieving your goals. Here are some tips:

Budgeting: Create and adhere to a monthly budget. Track your expenses to avoid overspending.
Regular Review: Review your financial plan regularly with your CFP. Adjust your investments based on life changes and market conditions.
Avoid Impulse Spending: Focus on needs over wants. This ensures funds are available for essential goals.
Benefits of Working with a Certified Financial Planner
A Certified Financial Planner (CFP) can guide you through this journey. Here’s how:

Personalized Advice: CFPs provide tailored advice based on your unique situation.
Expertise: They have extensive knowledge of financial products and strategies.
Ongoing Support: Regular reviews and adjustments ensure your plan remains effective.
Importance of Financial Literacy
Understanding basic financial concepts empowers you to make informed decisions. Consider reading up on personal finance or attending workshops.

Supporting Your Husband
Your support to your husband is crucial. Here’s how you can contribute:

1. Joint Financial Goals
Discuss and align your financial goals. This ensures you both work towards the same objectives.

2. Shared Responsibilities
Divide financial responsibilities. This might include managing certain investments or handling day-to-day expenses.

3. Emotional Support
Financial planning can be stressful. Provide emotional support and encourage open communication about finances.

Ensuring Your Father’s Well-being
Supporting your father financially is commendable. Here’s how to ensure it’s sustainable:

1. Budget for Expenses
Include your father’s expenses in your monthly budget. This ensures you have a clear picture of your financial commitments.

2. Additional Support
If needed, explore additional support options, like senior citizen schemes or community resources, to supplement his needs.

Creating a Will
Ensure you have a will in place. This document clearly outlines the distribution of your assets and ensures your wishes are respected.

Monitoring and Adjusting the Plan
Regularly monitoring and adjusting your financial plan is crucial. Here’s how:

1. Annual Reviews
Conduct annual reviews with your CFP. This helps assess progress and make necessary adjustments.

2. Stay Informed
Stay updated on market trends and financial news. This knowledge can help you make informed decisions.

3. Flexibility
Be flexible with your plan. Life changes, and your financial plan should adapt accordingly.

Final Insights
Creating a comprehensive financial plan involves careful consideration of your current situation and future goals. By diversifying your investments, maintaining financial discipline, and seeking professional guidance, you can ensure a secure future for yourself and your family. Remember, the journey to financial security is continuous, and regular reviews and adjustments are key to staying on track.

I appreciate your dedication to securing your family’s future and commend you on taking the right steps. With a well-structured plan and ongoing support from a Certified Financial Planner, you can achieve your financial goals and provide a stable future for your loved ones.

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  |8013 Answers  |Ask -

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

Asked by Anonymous - Jun 07, 2024Hindi
Money
hello sir, I am 53 yrs,working in private sector soon to be redundant,(in a year)I have my own house in a appartment my savings are 50 L in FD,s 30 L in Mutual fund ,10L in equity shares.LIC of 10L .3L in as emergency fund,my liabilities are children's education (son in class 10 daughter in class 8. no health insurance(presently company provided)spouse is a housewife please advise me for financial planning including for retirement planning.
Ans: Comprehensive Financial Plan for Redundancy and Retirement
Understanding Your Current Financial Situation
You are 53 years old, working in the private sector, and facing redundancy in a year. You own a house in an apartment and have Rs 50 lakh in fixed deposits, Rs 30 lakh in mutual funds, Rs 10 lakh in equity shares, and Rs 10 lakh in LIC. Additionally, you have Rs 3 lakh as an emergency fund. Your spouse is a housewife, and you have two children in school. You currently lack personal health insurance, relying on company-provided coverage.

Setting Clear Financial Goals
Immediate Goals
Redundancy Preparation: Ensure a smooth financial transition after redundancy.
Health Insurance: Secure comprehensive health insurance for your family.
Short-term Goals
Children's Education: Allocate funds for your children's ongoing and future education needs.
Emergency Fund: Strengthen your emergency fund to cover unforeseen expenses.
Long-term Goals
Retirement Planning: Create a sustainable retirement plan to maintain your lifestyle.
Wealth Preservation and Growth: Ensure your investments continue to grow while preserving capital.
Analyzing Your Current Assets
Fixed Deposits
You have Rs 50 lakh in fixed deposits. While FDs offer safety, their returns may not beat inflation in the long term. Consider rebalancing a portion for higher returns.

Mutual Funds
Your mutual fund portfolio is Rs 30 lakh. Mutual funds are good for long-term growth due to their compounding benefits. Review the performance and diversify if necessary.

Equity Shares
Your equity shares amount to Rs 10 lakh. Equities can provide high returns but come with higher risks. Balance them with safer investments to reduce risk.

LIC Policy
You have an LIC policy with a maturity amount of Rs 10 lakh. Review the policy benefits and consider if it meets your insurance needs.

Emergency Fund
Your emergency fund stands at Rs 3 lakh. Aim to increase this to cover at least 6-12 months of expenses for financial security.

Securing Health Insurance
Comprehensive Health Coverage
With redundancy approaching, securing health insurance is crucial. Opt for a comprehensive family floater plan with a high sum insured to cover medical emergencies.

Preparing for Redundancy
Income Replacement Strategies
Exploring New Opportunities: Start exploring new job opportunities or freelance work to replace your income.
Utilizing Skills and Experience: Leverage your experience for consulting or part-time roles in your industry.
Managing Children's Education Expenses
Creating an Education Fund
Education SIPs: Start a Systematic Investment Plan (SIP) in child-specific mutual funds to grow a dedicated education fund.
PPF and Sukanya Samriddhi Yojana: Consider PPF for your son's education and Sukanya Samriddhi Yojana for your daughter, offering tax benefits and secure returns.
Strengthening Your Emergency Fund
Building a Robust Safety Net
Increase your emergency fund to cover at least 6-12 months of living expenses. Use liquid mutual funds or high-yield savings accounts for easy access.

Retirement Planning
Calculating Retirement Corpus
Estimate your post-retirement expenses considering inflation and lifestyle needs. Use retirement calculators to determine the required corpus. For example, if you need Rs 50,000 per month today, with 6% inflation, you’ll need a higher amount in 10 years.

Diversifying Investments
Equity Mutual Funds: Allocate a portion of your savings to equity mutual funds for higher growth potential.
Debt Mutual Funds: Invest in debt funds for stable returns and reduced risk.
Hybrid Funds: Combine equity and debt for balanced growth.
Systematic Withdrawal Plan
Creating a Withdrawal Strategy
Plan a systematic withdrawal strategy from your investments to ensure regular income post-retirement. Consider the 4% rule for sustainable withdrawals.

Tax-efficient Investments
Maximizing Tax Benefits
ELSS Funds: Invest in Equity Linked Savings Scheme for tax-saving benefits under Section 80C.
NPS Contributions: Consider the National Pension System for additional tax benefits under Section 80CCD.
Reviewing and Adjusting Insurance Coverage
Adequate Life Insurance
Ensure your life insurance cover is sufficient to meet your family’s needs in your absence. Term insurance offers high coverage at low premiums. Review your existing LIC policy and consider additional term insurance if necessary.

Diversified Investment Portfolio
Regular Monitoring and Rebalancing
Regularly monitor your investment portfolio and rebalance to align with your financial goals. Adjust asset allocation based on market conditions and personal circumstances.

Professional Guidance
Consulting a Certified Financial Planner (CFP)
Engage a Certified Financial Planner to create a detailed, personalized financial plan. A CFP provides professional insights and strategies tailored to your financial situation and goals.

Final Insights
Securing your financial future involves strategic planning and disciplined investing. Address immediate needs, such as health insurance and redundancy preparation, while building a robust retirement corpus. Regularly review and adjust your investments for optimal growth and risk management. With careful planning, you can achieve financial security and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8013 Answers  |Ask -

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

Money
Sir, my age is 31 years, my salary is 40k per month, am married, wife is a house wife, I have 19 months son. Can you suggest me a financial planning for future to my family and myself please ????
Ans: Understanding Your Current Situation
You're 31 years old, earning Rs 40,000 per month. You have a wife and a 19-month-old son. Your wife is a homemaker.

Setting Financial Goals
Setting clear financial goals helps guide your planning. Here are some common goals you might consider:

Emergency Fund
Aim to save 6-12 months of expenses for emergencies. This provides a safety net for unexpected events.

Child's Education
Start saving early for your son's education. Education costs are rising, so planning ahead is crucial.

Retirement
Plan for your retirement to ensure a comfortable life post-retirement. Start saving early to benefit from compounding.

Building an Emergency Fund
Having an emergency fund is essential. It helps cover unexpected expenses without disrupting your financial plan.

How Much to Save
Calculate your monthly expenses. Aim to save 6-12 months' worth of expenses. This includes rent, groceries, utilities, etc.

Where to Park Emergency Fund
Use a combination of a savings account and liquid funds. Savings accounts offer easy access, while liquid funds provide better returns.

Budgeting and Managing Expenses
Creating a budget helps you track expenses and save more efficiently. Here’s how to do it:

Track Your Expenses
List all your monthly expenses. This includes rent, groceries, utilities, and other recurring costs.

Cut Unnecessary Expenses
Identify areas where you can cut back. Redirect these savings towards your financial goals.

Automate Savings
Set up automatic transfers to your savings and investment accounts. This ensures consistent savings without relying on willpower.

Investing for Your Child's Education
Education costs are rising, so it’s wise to start saving early. Here’s how to approach it:

Start an SIP
Start a Systematic Investment Plan (SIP) in a mutual fund. This helps you save regularly and benefit from compounding.

Choose the Right Fund
Select a fund based on your risk appetite and investment horizon. Consult with a Certified Financial Planner (CFP) for personalized advice.

Planning for Retirement
It's never too early to start planning for retirement. Here’s how you can ensure a comfortable retirement:

Assess Your Retirement Needs
Estimate your retirement expenses. Consider factors like inflation, healthcare costs, and lifestyle changes.

Start an SIP
Start a SIP in an equity mutual fund. Equities have the potential for higher returns, which can help grow your retirement corpus.

Review Regularly
Review your retirement plan regularly. Adjust your investments based on your goals and market conditions.

Life Insurance and Health Insurance
Insurance is crucial for protecting your family’s financial future. Here’s what you need:

Life Insurance
Get a term insurance plan. This provides financial security to your family in case of your untimely demise.

Health Insurance
Ensure you have adequate health insurance. This covers medical expenses and prevents financial strain during health emergencies.

Building a Diversified Investment Portfolio
Diversification helps manage risk and optimize returns. Here’s how to build a diversified portfolio:

Equity Mutual Funds
Invest in equity mutual funds for long-term growth. They offer higher returns but come with higher risk.

Debt Mutual Funds
Invest in debt mutual funds for stability and regular income. They are less risky compared to equity funds.

Balanced Funds
Balanced funds invest in both equity and debt. They offer a balance between risk and return.

Avoiding Common Investment Mistakes
It’s important to avoid common mistakes to ensure your financial plan stays on track. Here are some tips:

Avoid Over-Diversification
While diversification is good, over-diversification can dilute returns. Choose a few good funds and stick with them.

Avoid Timing the Market
Timing the market is risky and often leads to losses. Invest regularly and stay invested for the long term.

Review and Rebalance
Regularly review your portfolio. Rebalance if necessary to align with your financial goals and risk appetite.

Benefits of Actively Managed Funds
Actively managed funds offer several advantages over passive funds like index funds. Here’s why you should consider them:

Professional Management
Actively managed funds are managed by professionals. They make investment decisions based on market conditions.

Potential for Higher Returns
These funds aim to outperform the market. They have the potential to provide higher returns compared to index funds.

Flexibility
Actively managed funds can adapt to market changes quickly. This flexibility helps in capturing growth opportunities.

Regular vs Direct Funds
Investing through a regular plan with a Certified Financial Planner (CFP) offers benefits over direct plans. Here’s why:

Personalized Advice
CFPs provide personalized advice based on your financial goals. They help you make informed investment decisions.

Ongoing Support
CFPs offer ongoing support and guidance. They help you stay on track with your financial plan.

Better Returns
Regular plans may have slightly higher costs, but the professional advice can lead to better returns in the long run.

Tax Planning and Benefits
Tax planning is an essential part of financial planning. Here’s how you can optimize your taxes:

Tax-Saving Investments
Invest in tax-saving instruments like ELSS funds. These investments help you save taxes and grow your wealth.

Plan for Tax Efficiency
Choose investments that offer tax efficiency. This maximizes your returns and minimizes your tax liability.

Consult a CFP
A CFP can help you with tax planning. They provide personalized advice based on your financial situation.

Reviewing and Adjusting Your Financial Plan
Regular review and adjustment of your financial plan are crucial. Here’s how to do it:

Annual Review
Review your financial plan annually. Adjust for any changes in your financial situation or goals.

Rebalancing
Rebalance your portfolio if necessary. This ensures your investments align with your financial goals and risk appetite.

Stay Informed
Stay informed about market trends and changes in financial regulations. This helps you make informed decisions.

Final Insights
Financial planning is a continuous process. It requires regular review and adjustment to stay on track. Start by setting clear financial goals and building an emergency fund. Create a budget, track expenses, and invest in mutual funds for long-term growth.

Insurance is crucial for protecting your family’s financial future. Diversify your investments and avoid common mistakes. Consider actively managed funds for higher returns and consult a Certified Financial Planner for personalized advice.

Remember, the key is to stay disciplined and consistent in your savings and investment efforts. This ensures you have a robust financial plan for a secure future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8013 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 18, 2024

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Money
I have 41yrs old and earning 1.8 lacs per month,, married 14years ago two kids one daughter Nd son,I have home loan,own flat and bought one flat by paid cash flat worth 75lac and another plot 30lacs have 5lacs health insurance,2cr term insurance How do I plan my financial plan please suggest me
Ans: Current Financial Overview
Age: 41 years
Monthly Income: Rs 1.8 lakhs
Family: Married with two children
Assets:
Own flat (home loan)
Flat worth Rs 75 lakhs (paid cash)
Plot worth Rs 30 lakhs
Insurance:
Health Insurance: Rs 5 lakhs
Term Insurance: Rs 2 crores
Appreciating Your Efforts
You have made good progress with property investments and securing your family's future with health and term insurance.

Financial Goals
Children’s Education and Marriage
Retirement Planning
Loan Repayment
Emergency Fund
Investment Strategy
Children's Education and Marriage
Systematic Investment Plans (SIPs):

Start SIPs in diversified mutual funds.
Allocate specific SIPs for education and marriage goals.
Recurring Deposits:

Open RDs for medium-term goals.
Ensure liquidity for urgent needs.
Retirement Planning
Public Provident Fund (PPF):

Maximize annual contribution to PPF for tax benefits and long-term savings.
National Pension System (NPS):

Invest in NPS for an additional retirement corpus and tax benefits.
Mutual Funds:

Invest in a mix of equity and debt funds.
Consider balanced advantage funds for stability and growth.
Loan Repayment
Home Loan:
Prioritize paying off the home loan.
Increase EMI payments if possible to reduce tenure and interest.
Emergency Fund
Maintain Liquidity:
Keep at least 6 months of expenses in a savings account or liquid fund.
Asset Allocation
Equity:

Invest 60% in diversified mutual funds.
Allocate towards large-cap, mid-cap, and small-cap funds.
Debt:

Invest 30% in PPF, NPS, and debt mutual funds.
Ensure stable returns with minimal risk.
Gold and Bonds:

Allocate 10% to gold bonds and other safe instruments.
Hedge against inflation and market volatility.
Insurance Review
Health Insurance:

Consider increasing coverage for comprehensive protection.
Include family members under the same plan.
Term Insurance:

Ensure the term insurance amount is adequate.
Review periodically to match with life stage changes.
Financial Discipline
Budgeting:

Track monthly expenses diligently.
Cut down on unnecessary expenditures.
Regular Review:

Review portfolio quarterly.
Rebalance based on performance and goals.
Final Insights
You are on a solid financial footing. Prioritize children’s future, retirement, and loan repayment. Ensure a balanced portfolio for growth and stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8013 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Asked by Anonymous - Jul 14, 2024Hindi
Listen
Money
Hi I am 36 married and 1 child, my in hand salary is 50 k. My monthly expense is around 35k p.m. please suggest me a plan where I can take care of pension + child education . Just to let you I have an overall investment of 6 5 lacs.
Ans: You are 36 years old, married, and have one child. Your monthly income is Rs. 50,000, and your monthly expenses are Rs. 35,000. You have Rs. 6.5 lakhs in investments. You aim to plan for your retirement and your child's education.

Assessing Your Current Investments
Monthly Income: Rs. 50,000
Monthly Expenses: Rs. 35,000
Current Investments: Rs. 6.5 lakhs
Goals: Retirement planning and child's education
Recommended Investment Strategy
Emergency Fund
Maintain Liquidity: Keep at least 6 months of expenses in a liquid fund.
Target Amount: Rs. 2.1 lakhs in a savings account or liquid mutual fund.
Systematic Investment Plan (SIP)
Start SIP: Invest in diversified equity mutual funds.
Monthly Contribution: Allocate Rs. 10,000 per month for SIPs.
Benefits of SIP: Rupee cost averaging and disciplined investing.
Children's Education Fund
Start Early: Invest systematically for your child’s higher education.
Education SIP: Allocate Rs. 5,000 per month for a dedicated education fund.
Growth Potential: Choose equity-oriented funds for higher returns.
Retirement Planning
Long-Term SIP: Allocate Rs. 5,000 per month for retirement corpus.
Diversified Portfolio: Invest in a mix of equity and debt funds.
Regular Increase: Increase SIP amount by 5-10% annually to keep pace with inflation.
Health and Life Insurance
Health Insurance: Ensure you have adequate health coverage for your family.
Life Insurance: Secure a term plan to cover your family's financial needs in your absence.
Premium Allocation: Budget Rs. 2,000 monthly for premiums if needed.
Portfolio Diversification
Actively Managed Funds
Avoid Index Funds: Actively managed funds offer better returns and flexibility.
Professional Management: Funds managed by experienced professionals can outperform the market.
Benefits of Regular Funds Through CFP
Expert Guidance: Access to tailored investment strategies.
Continuous Monitoring: Regular assessment and adjustment of your portfolio.
Reviewing and Adjusting Your Plan
Quarterly Reviews
Performance Tracking: Monitor the performance of your investments quarterly.
Adjustments: Make necessary changes to stay on track with your goals.
Annual Rebalancing
Portfolio Rebalancing: Adjust the allocation between equity and debt to maintain the desired risk level.
Goal Alignment: Ensure your investments align with your financial goals.
Final Insights
To secure your pension and fund your child's education:

Maintain an Emergency Fund: Keep liquidity for unforeseen expenses.
Invest Regularly in SIPs: Allocate Rs. 20,000 monthly for SIPs in diversified funds.
Ensure Insurance Coverage: Adequate health and life insurance for your family.
Review and Adjust: Regularly monitor and rebalance your portfolio.
By following this strategy, you can achieve your financial goals systematically.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

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