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Ramalingam

Ramalingam Kalirajan  |6999 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 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
Asked by Anonymous - Jun 20, 2024Hindi
Money

Iam 440yr old married women, I work in the government sector my take home salary is 73k after all deductions. Ihave personal lone of 25lak, where I pay around 40emi per month, I have so far 19lak in NPS, around 2lak in mutal fund and 1lak in equity, i have few LIC policies and Health insurance and a term plan too. I want to know a few investment options for long term with minimum investment but good returns.

Ans: It’s great to see your proactive approach in planning for long-term investments. Let's break down your situation and explore some investment options that align with your goals and circumstances.

Assessing Your Current Financial Situation
You have a stable job in the government sector with a take-home salary of Rs 73,000 after deductions. You also have some existing investments and insurance policies. This is a great start.

You are paying an EMI of Rs 40,000 for a personal loan of Rs 25 lakh. This is a significant portion of your salary, and it would be wise to focus on repaying this loan as quickly as possible.

Your current investments include:

Rs 19 lakh in NPS
Rs 2 lakh in mutual funds
Rs 1 lakh in equity
LIC policies, health insurance, and a term plan
Given these details, let's explore some investment options that could help you achieve good returns with minimal investment over the long term.

Prioritizing Loan Repayment
Your first priority should be to manage your personal loan. With an EMI of Rs 40,000, this loan is a major financial commitment. Paying off this loan faster can free up more funds for other investments.

Consider making extra payments towards the principal amount whenever possible. This can reduce the loan tenure and the total interest paid. Allocating bonuses or any additional income towards this loan repayment can be a smart move.

Enhancing Your NPS Contribution
Your Rs 19 lakh in NPS is a solid foundation for your retirement planning. NPS offers a mix of equity, corporate bonds, and government securities, providing a balanced risk-reward ratio. Increasing your contributions to NPS can be beneficial due to the tax advantages and potential for compounded growth over time.

Given your long-term horizon, you might consider allocating a higher percentage towards equity within your NPS. Equity investments typically offer higher returns over the long term compared to debt instruments.

Exploring Mutual Funds for Long-Term Growth
You already have Rs 2 lakh in mutual funds, which is a good start. Investing in mutual funds can provide diversified exposure to various asset classes like equity and debt. Here’s why actively managed mutual funds could be a better choice for you:

Professional Management: Actively managed funds have fund managers who make investment decisions based on market conditions, aiming to outperform benchmarks.

Flexibility: These funds can adapt to market changes, potentially providing better returns compared to index funds which are passively managed.

Diverse Options: There are various types of actively managed mutual funds, such as large-cap, mid-cap, and small-cap funds. Diversifying your investments across these categories can spread risk and enhance returns.

It’s important to review and select funds based on their performance history, fund manager expertise, and alignment with your risk tolerance and financial goals.

Investing in Equity for Higher Returns
With Rs 1 lakh already in equity, you understand the potential for higher returns. Direct equity investments require careful analysis and a strong understanding of the stock market. Here are some tips for your equity investments:

Research Thoroughly: Invest in companies with strong fundamentals, good management, and growth potential. Keep an eye on market trends and news.

Diversify: Spread your investments across different sectors to mitigate risks. Avoid putting all your money in a single stock or sector.

Long-Term Perspective: Equity investments can be volatile in the short term. Stay invested for the long term to benefit from potential growth and compounding returns.

Reviewing LIC Policies and Insurance Coverage
It’s good that you have LIC policies, health insurance, and a term plan. However, it’s important to evaluate these policies periodically to ensure they meet your current needs and financial goals.

LIC Policies: These are typically investment-cum-insurance plans. Compare the returns on these policies with other investment options. If the returns are lower, consider surrendering these policies and reinvesting in mutual funds or other higher-return options.

Health Insurance: Ensure your health insurance coverage is adequate for your family's needs. Medical expenses can be a major financial burden, so having sufficient coverage is crucial.

Term Plan: This is a cost-effective way to ensure your family’s financial security in case of any unforeseen events. Make sure the coverage amount is sufficient to meet your family's future expenses and liabilities.

Balancing Risk and Returns with SIPs
Systematic Investment Plans (SIPs) in mutual funds can be an excellent way to invest regularly with discipline. SIPs allow you to invest a fixed amount regularly, taking advantage of rupee cost averaging and compounding benefits.

Start Small: Begin with an amount you’re comfortable with and gradually increase it as your financial situation improves.

Consistency: Invest consistently, regardless of market conditions. This helps in accumulating wealth over time and reduces the impact of market volatility.

Goal-Based Investing: Align your SIP investments with specific financial goals such as retirement, children’s education, or buying a house.

Emergency Fund and Financial Security
Before making new investments, ensure you have an adequate emergency fund. This fund should cover 6-12 months of living expenses, providing a financial cushion for unexpected situations like medical emergencies or job loss.

Having an emergency fund ensures that you won’t need to dip into your long-term investments during a financial crunch, thereby protecting your investment growth.

Exploring Tax-Saving Investment Options
As a salaried individual, it’s important to explore tax-saving investment options to reduce your tax liability while growing your wealth. Here are a few options to consider:

ELSS Funds: Equity Linked Savings Scheme (ELSS) funds offer tax benefits under Section 80C and have the potential for higher returns due to their equity exposure.

PPF: Public Provident Fund (PPF) offers a fixed return with tax benefits. It’s a safe, long-term investment option with a 15-year lock-in period.

SSY: Sukanya Samriddhi Yojana (SSY) is a government-backed scheme for the girl child, offering attractive returns and tax benefits.

Evaluating Direct vs. Regular Mutual Funds
You might wonder whether to invest in direct mutual funds or regular mutual funds. Here’s why regular funds, especially through a Certified Financial Planner (CFP), could be more beneficial:

Professional Guidance: Investing through a CFP provides access to professional advice, helping you make informed decisions and optimize your portfolio.

Holistic Planning: A CFP can help you with comprehensive financial planning, aligning your investments with your life goals.

Regular Monitoring: Regular funds come with the added advantage of ongoing monitoring and portfolio rebalancing, ensuring your investments remain aligned with your goals.

Direct funds might have lower expense ratios, but the benefits of professional guidance and support through regular funds often outweigh the cost difference.

Focusing on Long-Term Wealth Creation
Your goal is to achieve long-term wealth creation with minimum investment but good returns. Here are a few strategies to help you:

Stay Disciplined: Regular and disciplined investing is key to long-term wealth creation. Stick to your investment plan and avoid making impulsive decisions based on short-term market movements.

Review Periodically: Regularly review your investment portfolio to ensure it remains aligned with your goals and risk tolerance. Rebalance your portfolio as needed.

Educate Yourself: Stay informed about market trends and investment options. Continuous learning can help you make better investment decisions.

Final Insights
Planning for long-term investments requires a strategic approach and disciplined execution. Given your current financial situation, focusing on loan repayment, enhancing your NPS contributions, investing in actively managed mutual funds, and maintaining adequate insurance coverage can set you on the path to financial success.

Remember to prioritize building an emergency fund and consider tax-saving investment options to maximize your wealth creation efforts. Regularly review and adjust your investment plan to stay aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam Kalirajan  |6999 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Hello Sir ,I am 50 years old and a government servant in Rajasthan having served the department for 21 years now with 12 years of service still remaining . I own a house which is almost debt free, have invested in sip’s ,which are small amount but in different funds which includes SBI blue chip,nippon ,quant small cap fund ,Parag Parikh flexicap .I have one daughter and my wife is also a government teacher.We both would get around one crore each when we retire . My objective now is my daughter’s education,her marriage and post retirement a better life economically. I have family health insurance also despite government providing us with a free of cost health services.In which funds , for long and short term,I should invest to fulfill my future requirements.My job is pensionable.
Ans: It's commendable that you're thinking ahead and planning for your family's future. Here are some tailored suggestions for your financial goals:

For Daughter's Education:
Short-Term (0-5 Years): Consider investing in debt mutual funds or fixed deposits to ensure capital preservation for your daughter's near-term education expenses.
Long-Term (5+ Years): Since your daughter's education is a long-term goal, you can invest in a mix of equity mutual funds with a focus on growth. Look for diversified funds that offer exposure to large-cap, mid-cap, and flexi-cap segments.
For Daughter's Marriage:
Medium to Long-Term (5-15 Years): To accumulate funds for your daughter's marriage, you can allocate a portion of your investments to equity mutual funds with a longer investment horizon. Opt for a combination of large-cap and flexi-cap funds for stability and growth potential.
For Retirement:
Long-Term (12+ Years): As you have a pensionable job, your retirement corpus can supplement your pension income. Invest in a diversified portfolio of equity mutual funds along with a portion allocated to debt funds for stability. Aim for a balanced approach that accounts for both growth and capital preservation.
Fund Selection:
Equity Funds: Look for well-established funds with a consistent track record of performance and a focus on long-term wealth creation. Consider funds with a proven investment strategy and experienced fund managers.
Debt Funds: Choose debt funds that offer a blend of safety and returns suitable for your short-term goals. Opt for funds with a low credit risk and a moderate duration profile.
Balanced Funds: Consider allocating a portion of your investments to balanced funds, which offer a mix of equity and debt exposure. These funds provide diversification and stability to your portfolio.
Risk Management:
Review Regularly: Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Make adjustments as needed based on changes in your circumstances or market conditions.
Stay Informed: Stay updated on market trends, economic developments, and investment opportunities. Knowledge empowers you to make informed decisions and navigate financial markets effectively.
Consultation:
Seek Professional Advice: Consider consulting with a certified financial planner to develop a personalized financial plan tailored to your specific needs and objectives. A professional advisor can provide valuable insights and guidance to help you achieve your financial goals effectively.
By following these recommendations and staying disciplined in your investment approach, you can work towards securing a bright and financially stable future for yourself and your family.

..Read more

Ramalingam

Ramalingam Kalirajan  |6999 Answers  |Ask -

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

Asked by Anonymous - Jun 25, 2024Hindi
Money
Sir, M 36 years with one kid. Monthly income of 110000 living in a very small town in Assam. I have a 3 personal loan and monthly emi goes 40000 per month, m assam govt. Employee so my NPS goes aprox 17000 (gets increasing as per hike) i had also invested in LIC/sbi life 17000 per month, monthly expenses aprox 30000, My loans will gets fully settled by Nov 25. Within my service period i had accuired two Land. No i want a good amount of money by retirement. Kindly suggest me with good investment plans
Ans: You are 36 years old with one child and live in Assam. Your monthly income is Rs 1,10,000. You have three personal loans with a total EMI of Rs 40,000 per month. As an Assam government employee, you contribute approximately Rs 17,000 per month to NPS, which increases with hikes. You also invest Rs 17,000 per month in LIC/SBI Life. Your monthly expenses are approximately Rs 30,000. Your loans will be fully settled by November 2025, and you have acquired two pieces of land during your service period. You want to build a good corpus by retirement.

Compliments and Understanding
First of all, kudos to you for your foresight and discipline in managing your finances despite significant loan EMIs and investments. Your commitment to securing a comfortable retirement while supporting your family is commendable. Let's explore a strategic investment plan to help you achieve your retirement goals.

Analyzing Current Investments
NPS Contributions
Your NPS contributions are a significant part of your retirement planning. NPS provides a diversified portfolio with a mix of equity and debt, ensuring balanced growth. The government’s contribution and tax benefits under Section 80CCD(1B) make NPS a valuable asset for retirement.

LIC/SBI Life Policies
While LIC and SBI Life policies provide insurance coverage, they may not offer the best returns compared to other investment avenues. Consider evaluating the performance and charges of these policies. If they are not yielding satisfactory returns, you might want to reassess their role in your portfolio.

Managing Loans
Your loans will be fully settled by November 2025, which will free up Rs 40,000 per month. This amount can be redirected towards investments to build a substantial retirement corpus.

Creating a Strategic Investment Plan
Diversification: The Key to Success
Diversifying your investments across different asset classes reduces risk and enhances returns. Let's explore various investment options that align with your financial goals.

Mutual Funds: A Balanced Approach
Equity Mutual Funds
Equity mutual funds invest in stocks, offering high growth potential. They are suitable for long-term wealth accumulation. Equity funds can provide significant returns over time, outpacing inflation and helping you achieve your financial goals.

Debt Mutual Funds
Debt mutual funds invest in fixed income securities like bonds and treasury bills. They are less risky than equity funds and provide stable returns. They are ideal for investors seeking regular income and lower risk exposure.

Hybrid Mutual Funds
Hybrid funds invest in a mix of equities and debt. They balance risk and return, making them suitable for moderate risk-takers. These funds provide growth potential while mitigating risk through diversification.

Benefits of Regular Funds
Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential can be beneficial. MFDs provide personalized advice, helping you choose funds that align with your goals. They also offer ongoing portfolio management and support.

Systematic Investment Plan (SIP)
SIP ensures disciplined investing and rupee cost averaging, reducing the impact of market volatility. Once your loans are settled, start SIPs in equity and hybrid funds to build your retirement corpus.

Public Provident Fund (PPF)
PPF is a government-backed savings scheme offering attractive interest rates and tax benefits under Section 80C. It has a lock-in period of 15 years, making it a long-term investment. PPF is suitable for risk-averse investors seeking assured returns.

National Pension System (NPS)
NPS is a government-sponsored pension scheme aimed at providing retirement income. It offers diversified investments in equities, corporate bonds, and government securities. NPS contributions are eligible for tax benefits under Section 80CCD(1B).

Gold: A Traditional and Reliable Asset
Gold ETFs and Sovereign Gold Bonds
Gold ETFs and Sovereign Gold Bonds offer benefits of gold without storage hassles. Sovereign Gold Bonds also provide periodic interest, enhancing returns. Allocate a small portion of your portfolio to gold for diversification and protection against inflation.

Health and Term Insurance
Health Insurance
Comprehensive health insurance is crucial to cover medical expenses. It protects your savings and ensures access to quality healthcare. Choose a plan with adequate coverage for your family.

Term Insurance
Term insurance provides high life cover at low premiums. It ensures financial security for your family in case of your untimely demise. Choose a term plan with adequate coverage based on your financial obligations and future goals.

Reviewing and Adjusting Investments
Regular Portfolio Review
Regularly review your investment portfolio to ensure it aligns with your goals. Make necessary adjustments based on market conditions and personal circumstances. Avoid making investment decisions based on emotions. Stick to your financial plan and make informed decisions.

Benefits of Actively Managed Funds
Professional Management
Actively managed funds are managed by professional fund managers. They conduct extensive research and make informed investment decisions, aiming to outperform the market.

Potential for Higher Returns
Actively managed funds have the potential to deliver higher returns compared to index funds. Fund managers can take advantage of market opportunities and mitigate risks through active management.

Flexibility
Actively managed funds offer flexibility in investment strategies. Fund managers can adjust the portfolio based on market conditions and economic trends, enhancing performance.

Disadvantages of Index Funds
Lack of Flexibility
Index funds are passively managed and track a specific index. They lack flexibility to adjust to market conditions, which can limit returns.

Potential Underperformance
Index funds may underperform actively managed funds during market downturns. They cannot capitalize on market opportunities or mitigate risks effectively.

Limited Scope
Index funds have limited scope for diversification. They invest in a fixed set of securities, which might not align with your investment goals and risk tolerance.

Financial Planning Post Loan Repayment
Redirecting EMI Savings
Post-November 2025, the Rs 40,000 saved from loan repayments can be invested. Channel these funds into SIPs in equity and hybrid mutual funds to maximize growth. This disciplined approach will significantly boost your retirement corpus.

Increasing NPS Contributions
As your salary increases, consider increasing your NPS contributions. The additional tax benefits and compounded growth will further secure your retirement.

Building a Robust Investment Portfolio
Balanced Asset Allocation
Maintain a balanced asset allocation, investing in a mix of equity, debt, and gold. This diversification reduces risk and enhances returns, ensuring a robust portfolio.

Emergency Fund
Maintain an emergency fund covering 6-12 months of expenses. This fund ensures financial stability during unforeseen circumstances, protecting your investments.

Final Insights
Building a substantial retirement corpus requires disciplined investing and strategic planning. Diversify your investments across mutual funds, PPF, NPS, and gold to ensure a balanced and robust portfolio. Regularly review your investments, make informed decisions, and seek guidance from a Certified Financial Planner. This approach will help you achieve long-term financial success and secure a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6999 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jul 07, 2024Hindi
Money
I am 39 years old. I have two houses 3 flats in Delhi and 7 flats in Patna with around 45 thousand (can be increased) rental income. My salary is around 80 thousand Rs. 5 lakhs in MF. 5 lakh in bank. 7 lakhs in EPF. Monthly expenditure is 50 thousands. No life insurance. Medical insurance for all my family members. I have my parents wife and two kids in my family. What are my investment options.
Ans: Your current financial status is quite stable, with multiple income sources and substantial savings. To help you plan better, I will provide a detailed guide on investment options, keeping your goals and requirements in mind.

Current Financial Overview
You have two houses and ten flats, providing a rental income of Rs. 45,000, which can increase. Your monthly salary is Rs. 80,000, and your monthly expenses are Rs. 50,000. You have Rs. 5 lakhs in mutual funds, Rs. 5 lakhs in the bank, and Rs. 7 lakhs in EPF. You have medical insurance covering your family. However, you lack life insurance.

Your family consists of your parents, wife, and two kids. Given this information, we will explore suitable investment strategies to secure your financial future and enhance your wealth.

Importance of Diversification
Diversification helps spread risk across different asset classes. Given your current portfolio, diversifying into various investments can help secure your financial future and reduce risks.

Emergency Fund
Before diving into investments, ensure you have an adequate emergency fund. An emergency fund should cover at least 6-12 months of your monthly expenses. With Rs. 50,000 in monthly expenses, your emergency fund should be between Rs. 3 lakhs to Rs. 6 lakhs.

Since you have Rs. 5 lakhs in the bank, this amount can serve as your emergency fund. It is easily accessible and safe.

Mutual Funds
Mutual funds are a great way to diversify your investments. They offer a mix of debt and equity options, allowing you to balance risk and returns. With Rs. 5 lakhs already in mutual funds, consider increasing this amount.

Actively Managed Funds: These funds are managed by professionals who aim to outperform the market. They are more flexible and can adapt to market changes. Avoid direct funds and invest through a Certified Financial Planner (CFP) to get expert advice and better fund management.

Debt Funds: These are less risky and provide stable returns. They are suitable for short-term goals and can be used for regular income through Systematic Withdrawal Plans (SWP).

Equity Funds: These have higher risk but offer higher returns. They are ideal for long-term goals like children's education or retirement.

Systematic Investment Plans (SIP)
SIPs are a disciplined way to invest in mutual funds. Investing a fixed amount regularly helps in averaging the cost and reducing market volatility impact. With your stable income, you can comfortably start a SIP.

Consider starting with a moderate amount and gradually increasing it. Since your rental income can increase, allocate a portion of this additional income to SIPs.

Public Provident Fund (PPF)
PPF is a safe and tax-efficient investment option. It offers good returns and has a long lock-in period, making it suitable for retirement planning. You can invest up to Rs. 1.5 lakhs per year.

Given your current financial status, allocating a portion of your income to PPF can provide long-term security and tax benefits.

National Pension System (NPS)
NPS is a government-sponsored pension scheme offering tax benefits and market-linked returns. It has two tiers:

Tier I Account: This is mandatory and has a lock-in period until retirement. It provides tax benefits under Section 80C and 80CCD.

Tier II Account: This is voluntary and allows for more flexibility in withdrawals.

Investing in NPS can help build a substantial retirement corpus while enjoying tax benefits. It complements your EPF and adds to your retirement security.

Gold
Gold is a good hedge against inflation and market volatility. Investing in gold can diversify your portfolio. You can invest in:

Gold ETFs: These track the price of gold and are traded on stock exchanges.

Sovereign Gold Bonds: Issued by the government, they offer interest and capital appreciation based on gold prices.

Digital Gold: This allows you to buy gold in small quantities and store it digitally.

Gold should be a small part of your portfolio, providing stability and protection against economic uncertainties.

Children's Education Planning
With two kids, planning for their education is crucial. Education costs are rising, and early planning can help manage these expenses.

Child Plans: These are insurance-cum-investment plans designed for children's education. They offer a lump sum at maturity, covering educational expenses.

Equity Mutual Funds: For long-term goals, equity funds can provide higher returns. Invest in a mix of large-cap, mid-cap, and small-cap funds to balance risk and returns.

SIPs: Start SIPs dedicated to education planning. Calculate the future cost of education and invest accordingly.

Life Insurance
Life insurance is essential for protecting your family's financial future. Without it, your family may face financial hardships in your absence.

Term Insurance: This is the most cost-effective insurance, providing a large cover at a low premium. It ensures financial security for your family in case of any unfortunate event.

Coverage Amount: Ensure the coverage amount is sufficient to cover your family's expenses, liabilities, and future goals. A rule of thumb is to have coverage of 10-15 times your annual income.

Health Insurance
You already have health insurance for your family, which is excellent. Ensure that the coverage amount is adequate to handle any major medical emergencies.

Top-Up Plans: If your current plan's coverage is low, consider a top-up plan. It provides additional coverage at a lower premium.

Critical Illness Cover: This covers specific critical illnesses and provides a lump sum on diagnosis. It can help cover high medical costs and loss of income during treatment.

Tax Planning
Efficient tax planning helps reduce your tax liability and increase your savings.

Section 80C: Utilize the Rs. 1.5 lakhs limit by investing in PPF, EPF, ELSS, and other eligible instruments.

Section 80D: Claim deductions for health insurance premiums paid for yourself and your family.

Section 80CCD: Get additional tax benefits by investing in NPS.

Home Loan Interest: If you have a home loan, claim deductions on the interest paid under Section 24(b).

Retirement Planning
With a stable income and multiple assets, planning for retirement is crucial.

EPF: Your EPF balance of Rs. 7 lakhs is a good start. Continue contributing to it for a secure retirement.

NPS: As discussed earlier, NPS is a great addition to your retirement plan.

Pension Plans: Consider pension plans that provide a regular income post-retirement. They help maintain your lifestyle and meet expenses.

Mutual Funds: Invest in a mix of equity and debt funds to build a retirement corpus. SIPs can help in systematic investment towards retirement.

Diversification in Investment Strategies
Balanced Funds: These funds invest in a mix of equity and debt. They offer stability and moderate returns. They are suitable for medium-term goals.

Multi-Asset Funds: These invest in multiple asset classes like equity, debt, and gold. They provide diversification and reduce risk.

Estate Planning
Estate planning ensures that your assets are distributed according to your wishes. It provides financial security for your family.

Will: Draft a will to specify how your assets should be distributed. It helps avoid disputes and legal complications.

Trusts: Setting up a trust can provide for your family and manage your assets efficiently.

Nomination: Ensure you have updated nominations for all your investments and insurance policies.

Regular Review and Monitoring
Regularly review your investments to ensure they align with your goals. Monitor their performance and make adjustments if needed.

Annual Review: Review your portfolio annually with a Certified Financial Planner. They can provide expert advice and make necessary changes.

Rebalance Portfolio: Rebalance your portfolio to maintain the desired asset allocation. It helps manage risk and optimize returns.

Final Insights
Your financial position is strong, and with proper planning, you can achieve your goals. Diversify your investments, focus on tax planning, and ensure adequate insurance coverage.

Consider working with a Certified Financial Planner for personalized advice and expert guidance. Regularly review and adjust your investments to stay on track.

With a balanced and well-diversified portfolio, you can secure your family's future and achieve financial freedom.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

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