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Should I Invest in Large and Midcaps Now or Park in Liquid Funds?

Ramalingam

Ramalingam Kalirajan  |6625 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 02, 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
agent Question by agent on Jul 27, 2024Hindi
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is it good time to invest 10 laksh lumpsum amount in large and midcaps or should i park them in liquid funds until correction or even split in both at this time jul 2024 (im 30 yr old willing to invest for 5-8yrs )

Ans: Assessment of Current Market Situation

The stock market is at all-time highs in July 2024.
Large and mid-cap stocks have seen good growth recently.
This growth may continue or we might see a correction soon.

Lump Sum vs SIP Approach

Investing Rs 10 lakhs at once is risky in a high market.
Splitting between equity and debt can reduce this risk.
Systematic Investment Plan (SIP) is a good alternative to lump sum.

Recommended Investment Approach

Invest 50% (Rs 5 lakhs) in large and mid-cap equity funds now.
Park the other 50% in liquid funds for now.
Start a monthly SIP from the liquid fund to equity funds.
This approach balances growth potential with risk management.

Benefits of This Strategy

You get some exposure to the current bull market.
You're protected if there's a market correction soon.
SIP helps you benefit from rupee cost averaging.
This suits your 5-8 year investment horizon well.

Importance of Professional Guidance

Markets can be complex and unpredictable.
A Certified Financial Planner can provide personalized advice.
They can help you choose the right funds for your goals.
Regular review and rebalancing is key for long-term success.

Risk Management

Diversify across different sectors and company sizes.
Regularly review and rebalance your portfolio.
Keep some money in debt funds for stability.
Increase equity allocation if markets correct significantly.

Tax Considerations

Equity funds are more tax-efficient for long-term investing.
Hold equity investments for over 1 year for better tax treatment.
Consult a tax professional for detailed advice.

Final Insights

Your young age allows for higher equity exposure.
Stay invested for 5-8 years to ride out market ups and downs.
Regular funds via a CFP offer professional management benefits.
Keep learning about personal finance to make informed decisions.

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  |6625 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 23, 2024

Asked by Anonymous - Jul 03, 2024Hindi
Money
Hi Sir, I am 24 years old and having monthly salary of ~75k. I have mutual fund positions close to 14 lac, and savings account balance of nearly 4.8lac. out of the 14 lac, the current equity distribution is large cap - 50%, small cap - 29% - mid cap - 19%. Presently I am doing only small-cap and mid-cap SIPs and lumpsumps investments in these category funds as I am willing to be invested long-term for wealth creation. I want to deploy my savings account money(i.e. 4.8 lac) to the market, but currently the markets are at extremely high levels, that's I have not made any lumpsum investments but at the same time I don't want to miss the bus by being out of the market. So for this reason, presently I am putting amount more than my monthly salary(i.e. 85k) to smallcap(80% goes into small cap) & midcap(20% goes into midcap). I want to put my savings cash into the market, when it dips by large levels Can you please advice me if it would be the wise thing to wait for a dip or the amount should be invested right away?
Ans: You are 24 years old and earning a monthly salary of Rs. 75,000. You’ve already accumulated Rs. 14 lakh in mutual funds and have Rs. 4.8 lakh in your savings account.

Your mutual fund portfolio is split as follows:

Large Cap: 50%
Small Cap: 29%
Mid Cap: 19%
Currently, you are investing in small-cap and mid-cap funds through SIPs and lumpsum investments. It’s clear that you are focused on long-term wealth creation.

Understanding Market Timing
Waiting for a market dip before investing might seem logical. However, predicting market movements accurately is nearly impossible. Markets can remain high for extended periods. While waiting for a dip, you may miss out on potential gains.

The Power of Regular Investments
Investing regularly, regardless of market conditions, can be a wise approach. This strategy is known as rupee cost averaging.

Consistency Wins: By investing regularly, you reduce the impact of market volatility. You buy more units when prices are low and fewer when they are high.

Long-Term Focus: Your focus on long-term wealth creation aligns with this strategy. The long-term growth potential of equity markets often outweighs short-term fluctuations.

Deploying Your Savings Account Balance
You have Rs. 4.8 lakh sitting in your savings account. Deploying this amount into the market all at once might feel risky given the current market levels.

Staggered Investment: Instead of waiting for a dip, consider staggering your investment. You can invest a portion of the Rs. 4.8 lakh each month. This way, you’ll enter the market gradually, reducing the risk of investing a large amount at a peak.

Systematic Transfer Plan (STP): Another option is to move your funds through an STP. You can transfer a fixed amount from a liquid fund to an equity fund over several months. This balances the need to stay invested with the caution of market timing.

Portfolio Diversification and Risk Management
Your current portfolio is heavily weighted towards small-cap and mid-cap funds, which are more volatile. While these funds have high growth potential, they also carry higher risk.

Balanced Allocation: Consider maintaining a balanced portfolio. Large-cap funds, with their stable and relatively lower-risk nature, should remain a significant part of your portfolio.

Risk Assessment: Regularly assess your risk tolerance. It’s important to ensure that your portfolio aligns with your long-term goals and risk appetite.

Reviewing Direct Funds vs. Regular Funds
If you are investing directly in mutual funds, you may want to reconsider.

Direct Funds’ Disadvantages: Direct funds often lack professional guidance. You may miss out on crucial market insights and portfolio rebalancing.

Benefits of Regular Funds: Investing through a Certified Financial Planner (CFP) can offer valuable advice. A CFP can help you navigate market complexities and optimize your investment strategy.

The Case Against Index Funds
You mentioned investing in small-cap and mid-cap funds. If you’re considering index funds, be cautious.

Limited Flexibility: Index funds simply track a specific index. They can’t adapt to market conditions, which may limit returns.

Actively Managed Funds: Actively managed funds offer the potential for higher returns. Fund managers can make strategic decisions based on market trends.

Emergency Fund Considerations
Before investing all your savings, ensure you have an adequate emergency fund.

Liquidity Matters: Keep enough liquid funds to cover at least six months of your expenses. This cushion is crucial for unexpected situations.

Emergency Fund Allocation: Consider keeping a portion of your savings in a liquid fund or a fixed deposit. This provides quick access to cash when needed.

Investing More Than Your Salary
You’re currently investing Rs. 85,000 per month, which is more than your monthly salary. This is an impressive commitment to wealth creation. However, it’s essential to maintain a balance.

Sustainable Investing: Ensure that this high level of investment doesn’t strain your finances. It’s important to maintain a healthy balance between saving and spending.

Regular Review: Regularly review your budget and expenses. Make adjustments as necessary to ensure you can sustain your investment plan over the long term.

Final Insights
Your disciplined approach to investing at such a young age is commendable.

Instead of waiting for a market dip, consider staggered investments or an STP to deploy your savings. This reduces the risk of entering the market at a high point.

Maintain a balanced portfolio and ensure your investment strategy aligns with your risk tolerance and long-term goals.

Working with a Certified Financial Planner can provide you with expert guidance and help optimize your investment plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6625 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Money
Hello sir I'm 30 yrs old I have 50lakh lumsum amount after selling house ..I want to invest in mutuals funds with moderate rish for 5-7 yrs .. I might take around 25% in next 3yrs to purchase new house and keep remaining as long as possible .. Can you suggest is it right time to invest of so jo much percentage I should allocate in larger mid small cap etc Thank you
Ans: You've mentioned having Rs 50 lakhs to invest after selling a house. You aim to invest with moderate risk for 5-7 years, potentially withdrawing 25% in the next 3 years for a house purchase. It's essential to approach this investment with a clear strategy to meet your needs.

Investment Horizon and Risk Assessment
Investing for 5-7 years allows you to take moderate risks. Given your time frame, a balanced approach in mutual funds can be beneficial.

Allocation Strategy
To align with your moderate risk appetite, here's a suggested allocation strategy:

Large-Cap Funds
Large-cap funds invest in established companies with a proven track record. These funds offer stability and moderate returns. Allocating 40% of your investment here provides a strong foundation.

Mid-Cap Funds
Mid-cap funds invest in companies with growth potential. They carry higher risks than large-cap funds but can offer higher returns. Allocating 30% to mid-cap funds can balance stability and growth.

Small-Cap Funds
Small-cap funds invest in smaller companies with high growth potential but come with higher risks. Allocating 20% to small-cap funds can boost potential returns, balancing with other lower-risk investments.

Debt Funds
Debt funds invest in fixed-income securities. They offer lower risk and steady returns, ideal for short-term needs. Allocating 10% to debt funds ensures liquidity for your potential house purchase in 3 years.

Timing Your Investments
Investing a lump sum amount can be daunting. Market volatility can affect your returns. Consider a Systematic Investment Plan (SIP) or a Systematic Transfer Plan (STP). SIPs allow you to invest regularly, reducing market risk. STPs let you transfer a lump sum from debt funds to equity funds gradually.

Withdrawal Strategy
Given your plan to withdraw 25% in 3 years, align your debt fund investments with this timeline. Debt funds provide liquidity with lower risk, ensuring your funds are accessible when needed.

Monitoring and Rebalancing
Regularly monitor your investments. Market conditions and personal goals can change. Rebalance your portfolio annually to maintain your desired asset allocation.

Advantages of Actively Managed Funds
While index funds may seem attractive due to lower costs, actively managed funds offer several benefits:

Professional Management: Actively managed funds are managed by experts who can adjust the portfolio based on market conditions.

Potential for Higher Returns: Fund managers aim to outperform the market, providing potential for higher returns.

Flexibility: Active funds can adapt to changing market scenarios, reducing risks.

Disadvantages of Direct Funds
Direct funds might save on commission costs, but there are drawbacks:

Lack of Professional Guidance: Direct funds require you to make investment decisions without expert advice.

Time-Consuming: Managing your investments requires time and effort, which may not be feasible for everyone.

Potential Mistakes: Without professional guidance, the risk of making poor investment choices increases.

Benefits of Investing Through a Certified Financial Planner
Investing through a Certified Financial Planner (CFP) offers several benefits:

Personalized Advice: CFPs provide tailored advice based on your financial goals and risk appetite.

Comprehensive Planning: CFPs consider your overall financial situation, including tax implications and future needs.

Ongoing Support: CFPs offer continuous support, helping you navigate market changes and adjust your investments accordingly.


It's commendable that you are planning your investments wisely. Your decision to seek advice demonstrates a proactive approach to financial management. Understanding your goals and aligning your investments accordingly is crucial for achieving financial security.


Investing a significant amount like Rs 50 lakhs is a substantial step towards building your financial future. It's important to appreciate your diligence in planning and seeking the best strategies to meet your needs.

Final Insights
Investing with a moderate risk approach for 5-7 years requires a balanced strategy. Diversifying across large-cap, mid-cap, small-cap, and debt funds can align with your goals. Regularly monitor and rebalance your portfolio to stay on track.

Investing through a Certified Financial Planner provides personalized advice, comprehensive planning, and ongoing support. Actively managed funds, despite higher costs, offer potential for higher returns and flexibility. Avoid direct funds unless you are confident in managing investments independently.

Your proactive approach and thoughtful planning set a solid foundation for achieving your financial goals. With the right strategy and guidance, you can navigate market conditions and make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6625 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2024

Listen
Money
Right now is it the right time to invest lumpsum in midcap or doing STP from debt fund to mid cap fund. What would be better?
Ans: The midcap segment can offer higher returns, but it also comes with higher risks. Market conditions, economic trends, and global events can affect midcap stocks. As of now, the market has shown volatility. This makes the timing of your investment crucial.

Midcap funds have potential, but understanding the timing is key.

Lumpsum Investment in Midcap

Investing a lumpsum in midcap funds might seem attractive, especially if you believe the market will perform well. However, midcap funds are sensitive to market fluctuations. If you invest a large sum and the market dips, your portfolio could suffer significant short-term losses.

But if the market performs well, you could see quick gains.

Yet, the risk is higher.

Systematic Transfer Plan (STP)

STP is a strategy where you transfer a fixed amount from a debt fund to an equity fund (like a midcap fund) over time. This approach spreads your investment over several months. It reduces the risk of market timing, allowing you to average out the purchase price of your midcap fund units.

STP also ensures that your money earns some returns while waiting to be transferred from the debt fund. This method balances risk and potential reward.

Comparing Lumpsum and STP

Let’s break down the benefits and drawbacks:

Lumpsum Investment: High potential for returns if the market is bullish. However, high risk if the market falls. Suitable if you are confident about market trends.

STP: Reduces the risk by spreading investments over time. It is more stable and helps in averaging out costs. Suitable in volatile or uncertain markets.

The choice depends on your risk tolerance and market outlook.

Market Outlook and Risk Consideration

Given the current volatility in the market, it may be wise to adopt a more cautious approach. A lumpsum investment carries a higher risk of capital loss, especially if market conditions worsen. On the other hand, STP allows you to benefit from market dips by purchasing more units at a lower price over time.

Midcap funds are more volatile than large-cap funds, so managing risk is crucial.

Understanding Your Investment Horizon

Consider your investment horizon. If you have a long-term horizon (5-10 years), midcap funds can be rewarding. But if your horizon is shorter, the risk is higher. STP might be more suitable in this case, as it reduces immediate exposure to market fluctuations.

Time in the market is more important than timing the market.

Role of Debt Funds in Your Portfolio

Debt funds offer stability and lower risk compared to midcap funds. By parking your lump sum in a debt fund initially, you earn steady returns. This acts as a cushion against market volatility. The money then moves gradually into a midcap fund, balancing risk and reward.

Debt funds should be a part of your portfolio for stability.

Disadvantages of Direct Funds

If you are considering direct funds, remember that they require active management. With direct funds, you don’t get the guidance of a certified financial planner (CFP). This could lead to mistakes, especially in volatile markets. Regular funds, managed through a certified financial planner, ensure that your investments align with your financial goals.

Professional guidance ensures that your investment strategy is sound.

Actively Managed Funds vs. Index Funds

Index funds might appear attractive due to lower costs, but they merely track the market. In volatile markets, actively managed funds are better. They are managed by experts who adjust the portfolio to outperform the market, especially in the midcap space.

Active management can lead to better returns in dynamic markets.

Final Insights

Given the current market conditions, a cautious approach is advisable.

An STP from a debt fund to a midcap fund allows you to manage risks better. It provides a balanced strategy, ensuring that you benefit from market dips and avoid the potential pitfalls of investing a lump sum in a volatile market.

Midcap funds have the potential for higher returns but come with higher risks. Understanding your risk tolerance, investment horizon, and market outlook is essential.

It’s also important to seek professional advice from a certified financial planner (CFP). This ensures that your investment strategy aligns with your financial goals.

Investing is not just about returns; it's about achieving your financial objectives with peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Anu

Anu Krishna  |1201 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Asked by Anonymous - Oct 07, 2024Hindi
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Relationship
Mam i am a 52 year ols women i have never had a secure relationship only who wanted to have s.Marriage in proposals too dint work for me. At late 40 age i met a guy it was all good till start 1 year but since 3 years we just fight my fault to as i have no family no friends and all i have to look after 2 aged parents and i am deep involved my life is just that. This relationship is good to talk on phone as all i do is talk my problems 24 by 7 365 days which i understands upsets him. But i see no effort too from him for meeting planning dates and if i do i pay for it all he never pays . I lost interest felt disappointed after going on saying he never tries to make plans talk future his family finance. I am not sure what i should do stay or live my life alone which i was always doing.
Ans: Dear Anonymous,
Start fresh and if you had a clean slate, what would you want to draw on it?
All your miseries or what you actually want from life?
When you meet someone new and you dump your set of issues on them, how exactly do you think they are going to be interested in taking you out on a date?
Your prospective life partner is not a dumping yard for your life's problems BUT a person that is going to marry you and support you and who you can trust. And will you start this relationship by actually talking only about your problems? Honestly, you need to ask yourself if you will be interested in a guy who keeps ranting about all things going wrong...
Establish a connection by being on a positive ground and showing the other person that you care and also are interested in knowing about them. This interest will let them lower their guard down and actually connect with you at an emotional level and then you can pursue this as a potential life partner association...somewhere down the line, they will be genuinely interested in being a part of your challenges and that's when you make them your strength to solve these challenges. Am I making sense to you?
Do you see how you have been sabotaging your own future? Dust yourself, become genuinely interested in people not to dump your problems on them but to make a genuine connection and watch how things change for you. Prioritize your life not your problems!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1201 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Relationship
Hi, I am a 36yo guy. Married and have 2 beautiful kids. I am a naturally happy person in life and have achieved reasonable success through my hard work. From last 3 years i am in love with a married girl who works at an office near my workplace. We two believe that we are best suited for each other in every aspect i.e. mental, emotional and physical. We share a great chemistry that we never felt with our respective spouses. We decided that we both cant leave our spouses because of our kids. But very often she keeps on getting crazy and tortures and taunts me that i love my wife more and doesnt give value to her. She is mostly unhappy about this in her life and many times abuses me when she sees that i am a naturally happy and content person. I have even told her that if she wants we can take divorce from our spouses and move-in together. But she never accepts that also and keeps on making my life hard. But i do believe that we both love each other like crazy and my sexual life with her is just out of this world. I have a very high libido and she satisfies me like no other girl. My question is how can i make her sane and make her trust me that i am more inclined towards her?
Ans: Dear Avinash,
I am sure by now you realize that having parallel lives is not easy. Maybe you are at that stage where a decision must be made...
You owe at least that much to your respective spouses who have nothing to do this life of yours...

The lady in question wants the cake and wants to eat it too...obviously she needs to see that if she wants her marriage, then you are going to keep your marriage as well and with that all the insecurities that arise must also be accepted as this is something that the two of you got into willingly...did she not know that a relationship outside of marriage comes with its set of challenges like insecurities, doubts, fears, instability and more? I guess it's not about you making her sane and trust you BUT for the two fo you to come to some sort of a decision on where all this is leading?

Again, I say this...leading two lives in parallel ain't easy; especially on an emotional level!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1201 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Asked by Anonymous - Oct 01, 2024
Relationship
Hi Anu, I have been reading since long the advices you give to others expecting that there can be an identical issue which i am suffering, i am 48yrs and my wife 42yrs married for 22yrs & having grown up children, over period of time my wife has become more dominating expecting me to listen and follow everything what she says, everything was going fine for until last six years when she was following me as a dutiful wife, since last 6-7yrs she is disinterested in sex also, i sit and speak with her trying to address all the issues, but things get back to ZERO within days, she has turned very short tempered and egoistic, shouting and using foul language in rage at times, we both are highly educated and give lectures at college with limited reasonable income, the problem is she compares her life to others and disturbs our life, ours is a marriage against parents so both the side relatives are little indifferent and we are not extroverts or that persons who are outgoing to change all that, we just lead our life within ourselves and try to help the relatives whenever they come to us. My question is that is it not cruel for a wife to deprive the husband of sex and develop unreasonable expectations comparing the lifestyles of others. when at peace my wife suggests that i can look outside for sex and she is ok with it but i don't believe in it and in her words, at times in rage she keeps asking for divorce uttering foul language, i keep reminding her that emotions, anger and rage shall only aggravate the issues we should know what we actually want and seek it speaking to each other, i feel that my wife doesn't know what she wants from herself or from me or from life, Anu, Is this all that pre-menopause frustrations which is building up or is it some mental issues which are surfacing due to negligence from me or our relatives? Please suggest? Thank you
Ans: Dear Anonymous,
Let's understand it in 3 ways..

1) Whether your wife is in pre-menopause or perimenopause or menopause stage can be determined only by a doctor. A lot of material floats on the internet convincing people of one over the other BUT it's important to get it validated by a doctor that will help your wife understand what is going on with her body and how it impacts her mind...

2) It is also possible that the current sex routine maybe boring to her and infusing it with some spice can get things going? So, think out of the box here...

3) Also, you might want to think if the emotional bond between the two of you has broken down; women respond to sex easier when they feel emotionally connected and safe with their man...

What will be useful in your situation is: to reconnect with her and aim to connect with her emotionally. This will help her in conveying to you what might be the problem and then it gets easier to solve it or take necessary steps...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Milind

Milind Vadjikar  |418 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Milind

Milind Vadjikar  |418 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Milind

Milind Vadjikar  |418 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 15, 2024Hindi
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Money
Hi Milind I am 52 years old single woman, from small town and who has worked hard ro reach to level in corporate with good salary. I have a corpus of about 5 crores and small flat in tier 2 town. I dont enjoy yhis new job wirh reputed brand and at a senior level as i dont find ut engaging or doing justice to role. My parents are old and i worry for rhem ans want to spent rkmw with them. With this corpus can i take a call to leave job and get decent income of atleast 2-2.5 lac a month. I have been quite action oriented, but now my mind and body feel exhasuted and also fear rhat without a job i will become lazy. Also living with parents will be a joy, at the same time resteictive to eating or socializing. I am quite concious ,if i leave this well paying ,senior role job with a big renonwed corporate which many of my friends aspired for and whole lot of people congratulated me ,they will think i was not able to justify my role,hence left . I dont want that impression at last stage of career as whole life i have been seen as hard working ,passionate professional. Such rhoughts are taking toll on my mental health. Please advise what should be done
Ans: Hello;

With the corpus that you have (5 Cr) you may buy an immediate annuity from a life insurance company and can expect to receive monthly payout of 2.5 L (pre tax)from the very next month. 6% annuity rate considered, if you shop around and negotiate you may get a better rate.

You can opt for increasing annuity to account for inflation and return of purchase price to your nominee, after you.

Ensure good health insurance policy to cover yourself and your parents.

Think about some vocation which you would like to pursue passionately after retirement.

You are seeking retirement from regular 9 to 5 job not from pursuit of your passion/goals.

It could be in the role of an consultant, counselor or educator.

You should take the decision which you feel is appropriate for you irrespective of what people comment because they will comment in any case.

Learn to ignore such people.

Happy Retirement!!

...Read more

Milind

Milind Vadjikar  |418 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

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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