sir i want to invest 20k per month my goal is to get 50 lakhs where i should invest and how long in mutual fund

Ans: At 35, contemplating retirement is a significant decision, especially with a family to support. Let's evaluate your current assets, income, and investment diversification to determine if it's the right time to retire and suggest potential improvements.

Retirement Readiness Assessment
Current Assets and Income
Commercial Building: Expected rental income of ?2 lakhs/month.
Equity Investments: Total of ?70 lakhs in Indian and US equities.
Crypto and Fractional Real Estate: Investments totaling ?45 lakhs.
Business Advisory Income: Approximately ?1 lakh/month.
Considerations for Retirement
Age: At 35, you have a long retirement horizon ahead.
Family: With three kids, ensuring their financial security is crucial.
Income: Your current income from business advisories provides stability.
Investment Diversification Analysis
Asset Allocation
Real Estate: Concentrated in a commercial building with potential rental income.
Equity: Significant exposure to Indian and US equities, providing growth potential but subject to market volatility.
Crypto and Fractional Real Estate: High-risk investments with uncertain regulatory status and legal complexities.
Risk Assessment
Commercial Building: Potential rental income provides stability, but tenant vacancy or market fluctuations could impact returns.
Equity Investments: Diversified across Indian and US markets, offering growth opportunities but susceptible to market volatility.
Crypto and Fractional Real Estate: Lack of regulation and legal complications pose significant risks. Blind risk-taking may not align with your capital security concerns.
Suggestions for Improvement
Diversification Strategy
Reduce Concentration Risk: Consider diversifying real estate holdings by renting out the commercial building or investing in residential properties.
Review Crypto and Fractional Real Estate: Assess the risk-return profile and consider reallocating funds to more regulated and established asset classes.
Retirement Planning
Financial Independence Goal: Aim for financial independence rather than immediate retirement. Continue building your investment portfolio to ensure long-term financial security.
Emergency Fund: Maintain a robust emergency fund equivalent to 6-12 months of living expenses to cover unforeseen expenses or income fluctuations.
Professional Advice: Consult a Certified Financial Planner to develop a comprehensive retirement plan tailored to your goals and risk tolerance.
Conclusion
While your current assets and income provide a solid foundation, it's essential to ensure proper diversification and risk management for long-term financial security. Addressing concentration risks and reassessing high-risk investments can enhance your capital security while continuing to provide for your family's well-being.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Investing in a Systematic Investment Plan (SIP) is a wise decision for long-term wealth creation. A disciplined approach and the right investment choices can help you reach your financial goals. Here’s a detailed guide to help you start a SIP and eventually accumulate ?1 crore.

Understanding SIP and Its Benefits
Regular and Disciplined Investment
A SIP allows you to invest a fixed amount regularly, ensuring discipline in your investment journey. It helps in building a substantial corpus over time without a significant initial investment.

Rupee Cost Averaging
With SIP, you buy more units when prices are low and fewer when prices are high. This averaging effect helps in reducing the overall cost per unit over time.

Power of Compounding
Regular investments over a long period benefit from compounding. The returns generated on your investments also earn returns, leading to exponential growth of your corpus.

Time Horizon and Expected Returns
Long-Term Perspective
To accumulate ?1 crore with a SIP of ?3,000 per month, you need a long-term perspective. Typically, equity mutual funds, which have historically provided higher returns, are suitable for such goals.

Expected Returns
While returns are not guaranteed, equity mutual funds have historically offered returns in the range of 12-15% per annum. These returns can help in achieving your target over a longer duration.

Choosing the Right Fund
Equity Mutual Funds
Equity mutual funds invest in stocks and have the potential for higher returns. They are suitable for long-term goals and can help in wealth creation.

Actively Managed Funds
Actively managed funds have professional fund managers who select stocks based on research and market analysis. They aim to outperform the market and provide better returns compared to index funds.

Disadvantages of Index Funds
Limited Flexibility
Index funds replicate a market index and lack the flexibility to adapt to market changes. They do not attempt to outperform the market.

Average Returns
Index funds provide returns that match the market index. They do not aim for higher returns through active management.

Benefits of Actively Managed Funds
Professional Management
Actively managed funds are handled by experienced fund managers who make informed investment decisions. This professional management can lead to better performance.

Potential for Higher Returns
These funds aim to outperform the market by selecting high-potential stocks. This can result in higher returns over the long term.

Role of a Certified Financial Planner
Personalized Advice
A Certified Financial Planner (CFP) provides personalized advice based on your financial goals, risk tolerance, and investment horizon. They help in selecting the right funds for your needs.

Regular Monitoring
CFPs monitor your investments regularly and suggest adjustments based on market conditions and changes in your financial situation. This ensures your investments stay on track.

Disadvantages of Direct Funds
Lack of Guidance
Investing in direct funds means you do not get the benefit of professional advice. This can be challenging, especially for new investors.

Time-Consuming
Researching and selecting funds on your own can be time-consuming. A CFP saves you time and helps in making informed decisions.

Conclusion
Starting a SIP of ?3,000 per month in an actively managed equity mutual fund can help you reach ?1 crore over a long period. It is important to have a long-term perspective, understand the benefits of professional management, and avoid the pitfalls of "get rich quick" schemes. With disciplined investing and regular reviews, your financial goals are achievable.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: It's natural to seek quick returns, but it's crucial to understand that there are no shortcuts to wealth. Avoiding "get rich quick" schemes and understanding the inherent risks of short-term investments is essential for your financial health.

Avoid "Get Rich Quick" Schemes
High Risk, High Stress
Speculative Nature: Schemes promising quick wealth are often speculative and highly risky.
Potential for Loss: The probability of losing your capital is high, and the stress involved can be significant.
Fraud and Scams
Scam Alert: Many fraudulent schemes lure investors with promises of high returns in a short period. Always be wary of too-good-to-be-true opportunities.
Accept the Reality of Low Short-Term Returns
Market Volatility
Unpredictable Markets: Markets can be highly volatile in the short term, making it difficult to predict returns accurately.
Low Returns: Generally, short-term investments yield lower returns compared to long-term investments.
Safe and Sensible Short-Term Investment Options
Liquid Funds
Low Risk, Modest Returns: Liquid funds are safe, offering better returns than a savings account with high liquidity.
Accessibility: Ideal for short-term parking of funds with easy access.
Fixed Deposits
Guaranteed Returns: Short-term fixed deposits provide assured returns with minimal risk.
Safety: Bank FDs are a secure option, though the returns may be modest.
Ultra Short-Term Debt Funds
Moderate Returns: These funds invest in short-term debt instruments, providing better returns than liquid funds with slightly higher risk.
Smart Investment Practices
Diversification
Spread Your Risk: Don’t invest all your money in one asset. Diversify across different investment types to manage risk.
Research and Due Diligence
Informed Decisions: Conduct thorough research or seek advice from a Certified Financial Planner. Understand the risks and potential returns of your investments.
Goal Setting
Realistic Expectations: Set realistic financial goals based on your risk tolerance and investment horizon.
Accept Modest Gains: In the short term, focus on preserving capital and earning modest returns rather than aiming for high, unsustainable gains.
Conclusion
The truth is, there are no shortcuts to wealth. Avoid the temptation of get-rich-quick schemes, and be prepared to accept modest returns in the short term. A disciplined, informed, and cautious approach will help you build and preserve your wealth over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: The 4% withdrawal rule is a widely used guideline in retirement planning, primarily based on historical data from the United States. It suggests that retirees can withdraw 4% of their retirement savings annually without running out of money for at least 30 years. However, applying this rule in India requires a nuanced approach due to differences in inflation rates, market conditions, and economic factors. Let's analyze its applicability in the Indian context.

The 4% Rule and Inflation
Origin of the 4% Rule
Developed by Financial Planner: William Bengen in the 1990s.
Assumptions: Based on historical returns from US stocks and bonds, and inflation rates.
Differences in Indian Inflation
Higher Inflation Rate: Historically, India experiences higher inflation compared to the US, often ranging between 6-8%.
Impact on Purchasing Power: Higher inflation erodes purchasing power more quickly, necessitating a higher withdrawal rate to maintain the same standard of living.
Applicability of the 4% Rule in India
Higher Withdrawal Rate Required
Due to higher inflation, a 4% withdrawal rate may not be sufficient for Indian retirees. They might need to consider a slightly higher rate, adjusted for local inflation rates, to meet their financial needs.

Market Returns and Volatility
Equity Market Returns: Indian equity markets have the potential for higher returns compared to developed markets, but they also come with higher volatility.
Fixed Income Instruments: Fixed deposits and government bonds in India offer higher interest rates than in the US, providing a safety net for retirees.
Adapting the Rule to Indian Conditions
Conservative Approach
Lower Initial Withdrawal Rate: Start with a lower initial withdrawal rate, such as 3-3.5%, to account for higher inflation and market volatility.
Increase with Caution: Gradually increase the withdrawal rate based on the performance of your investments and inflation trends.
Dynamic Withdrawal Strategy
Flexible Withdrawals: Adjust the withdrawal amount annually based on portfolio performance and inflation. This helps in managing longevity risk and preserving capital.
Bucket Strategy: Divide your retirement corpus into different buckets – short-term (cash, FDs), medium-term (debt funds), and long-term (equity funds). Withdraw from the least volatile bucket first.
Practical Steps for Indian Retirees
Diversified Portfolio
Asset Allocation: Maintain a diversified portfolio with a mix of equities, debt, and other asset classes. This helps in balancing risk and returns.
Periodic Review: Regularly review and rebalance your portfolio to align with changing market conditions and personal needs.
Inflation-Protected Investments
Inflation-Linked Investments: Consider investing in instruments that provide inflation protection, such as hybrid funds.
Real Estate and Gold: These assets can act as a hedge against inflation, though they come with their own set of risks and liquidity issues.
Professional Guidance
Certified Financial Planner: Consult a Certified Financial Planner to tailor the withdrawal strategy based on your specific financial situation and goals. They can provide personalized advice considering your risk tolerance and retirement horizon.
Conclusion
While the 4% withdrawal rule offers a starting point for retirement planning, its direct application in India requires adjustments for higher inflation and different market conditions. Adopting a flexible and dynamic withdrawal strategy, maintaining a diversified portfolio, and seeking professional advice are essential steps to ensure a sustainable retirement income in India.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Ensuring your child’s education is one of the most significant financial goals. It requires early and disciplined planning to manage the costs effectively. Here’s a step-by-step guide to help you plan for your child’s education.

Step 1: Estimate the Cost of Education
Consider Current Costs and Inflation
Current Fees: Determine the current cost of the education you aim for, whether it's for school, college, or higher studies.
Inflation Rate: Education costs generally rise by 8-10% annually. Use this rate to estimate future costs.
Example
If the current cost of education is ?10 lakhs, in 10 years with 8% inflation, it would be around ?21.6 lakhs.

Step 2: Determine the Time Horizon
Calculate the number of years until your child starts their education. This will help in determining the investment period and strategy.

Step 3: Set a Target Amount
Based on your estimate, set a target amount you need to accumulate by the time your child begins their education.

Step 4: Choose Suitable Investment Options
Equity Mutual Funds
Long-Term Growth: Equity mutual funds are ideal for long-term goals (more than 5 years) due to their potential for higher returns.
Systematic Investment Plan (SIP): Invest regularly through SIPs to benefit from rupee cost averaging and the power of compounding.
Debt Mutual Funds
Stability: For medium-term goals (3-5 years), debt mutual funds provide stability and moderate returns.
Less Volatility: These funds are less volatile compared to equity funds.
Public Provident Fund (PPF)
Risk-Free Returns: PPF offers tax-free returns and is a safe investment for long-term goals.
Lock-in Period: PPF has a 15-year lock-in period, making it suitable for long-term planning.
Fixed Deposits (FD)
Safety: Bank FDs provide assured returns and are a safe investment option.
Flexibility: Suitable for short to medium-term goals.
Step 5: Start Early and Invest Regularly
Early Start
Starting early allows you to invest smaller amounts regularly and benefit from compounding. The earlier you start, the easier it is to reach your target amount.

Regular Investments
Invest regularly through SIPs in mutual funds or recurring deposits. This instills discipline and ensures consistent growth of your investment corpus.

Step 6: Review and Adjust Your Plan
Regular Reviews
Review your investment portfolio annually to ensure it aligns with your goals. Adjust your investment amount based on changes in your financial situation or education costs.

Rebalancing
Rebalance your portfolio periodically to maintain the desired asset allocation. Shift funds from equity to debt as you approach your goal to reduce risk.

Step 7: Tax Planning
Tax-Advantaged Investments
Invest in instruments like PPF or ELSS (Equity Linked Savings Scheme) for tax benefits under Section 80C.

Plan Withdrawals
Plan your withdrawals to minimize tax liability. For example, long-term capital gains from equity funds held for more than one year are taxed at a lower rate.

Conclusion
Planning for your child’s education requires a strategic approach involving estimating costs, setting a target amount, choosing suitable investments, and starting early. Regular reviews and adjustments ensure you stay on track. By following these steps, you can secure your child’s future education needs effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Investing ?10 lakhs to generate a secure and steady monthly income requires a balanced approach that ensures safety while providing reasonable returns. Here are some options to consider:

Senior Citizens' Savings Scheme (SCSS)
Overview
Eligibility: Individuals aged 60 years and above.
Investment Limit: Up to ?15 lakhs.
Interest Rate: Typically higher than regular fixed deposits.
Tenure: 5 years, extendable by 3 years.
Payout: Quarterly interest payouts.
Benefits
Safety: Backed by the Government of India, ensuring high security.
Regular Income: Provides a steady income every quarter.
Tax Benefits: Eligible for tax deduction under Section 80C.
Post Office Monthly Income Scheme (POMIS)
Overview
Eligibility: Open to all Indian residents.
Investment Limit: ?4.5 lakhs per individual, ?9 lakhs for joint accounts.
Interest Rate: Fixed, and reviewed quarterly.
Tenure: 5 years.
Payout: Monthly interest payouts.
Benefits
Safety: Government-backed, offering high security.
Regular Income: Monthly interest payouts for consistent cash flow.
Fixed Deposits (FD) in Banks
Overview
Eligibility: Available to all.
Interest Rate: Varies by bank, generally lower than SCSS but higher for senior citizens.
Tenure: Flexible, typically ranges from 1 to 10 years.
Payout: Monthly, quarterly, or annual interest payouts.
Benefits
Safety: Up to ?5 lakhs insured by Deposit Insurance and Credit Guarantee Corporation (DICGC).
Flexibility: Choose tenure and interest payout frequency based on needs.
Senior Citizen Benefits: Higher interest rates for senior citizens.
Mutual Funds with Systematic Withdrawal Plan (SWP)
Overview
Eligibility: Open to all.
Types of Funds: Debt mutual funds for lower risk.
Payout: Monthly withdrawal as per chosen amount.
Benefits
Flexibility: Choose the amount and frequency of withdrawals.
Tax Efficiency: Better post-tax returns compared to traditional savings options.
Potential Growth: Debt funds offer higher returns compared to fixed deposits.
Combining Investments for Optimal Security and Returns
To maximize security and ensure a steady monthly income, consider diversifying your ?10 lakhs across different instruments. Here's a suggested allocation:

Senior Citizens' Savings Scheme (SCSS)
Investment: ?4 lakhs.
Monthly Income: Approximately ?2,800.
Post Office Monthly Income Scheme (POMIS)
Investment: ?4.5 lakhs.
Monthly Income: Approximately ?3,150.
Bank Fixed Deposit (FD)
Investment: ?1.5 lakhs.
Monthly Income: Approximately ?900 (assuming a 7.2% annual interest rate for senior citizens).
Conclusion
This diversified approach ensures a secure investment with a steady monthly income. The combination of SCSS, POMIS, and FD provides a blend of safety, regular income, and tax benefits. Adjust the allocation based on your specific needs and preferences.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Your goal of achieving a monthly income of ?2 lakh after ten years is ambitious but achievable with disciplined planning. Here’s a detailed plan to help you meet this goal using your ?40 lakh corpus and current monthly income of ?65,000.

Step 1: Assess Your Current Financial Status
Your current financial standing includes:

?40 lakh corpus.
?65,000 monthly income.
To achieve a future monthly income of ?2 lakh, focus on disciplined savings, strategic investments, and regular reviews.

Step 2: Define Investment Goals
Your primary goal is to grow your corpus sufficiently to generate a monthly income of ?2 lakh after ten years. This requires your investments to grow significantly, taking into account inflation and taxes.

Step 3: Strategic Investment Allocation
Diversified Portfolio
A diversified investment portfolio can balance risk and return effectively. Here’s a suggested allocation:

Equity Mutual Funds (60%):

Amount: ?24 lakh.
Rationale: Equity mutual funds have the potential for high returns over the long term. They can help your corpus grow substantially. Choose actively managed funds to benefit from professional expertise.
Debt Mutual Funds (20%):

Amount: ?8 lakh.
Rationale: Debt funds provide stability and regular income with moderate risk. They help in balancing the volatility of equity investments.
Public Provident Fund (PPF) (10%):

Amount: ?4 lakh.
Rationale: PPF is a safe, long-term investment with tax-free returns. It adds a layer of security to your portfolio.
Fixed Deposits (10%):

Amount: ?4 lakh.
Rationale: Fixed deposits offer guaranteed returns and liquidity. Keep these funds accessible for emergencies or short-term needs.
Monthly Investment from Income
SIP in Equity Mutual Funds:

Amount: ?35,000 per month.
Rationale: Systematic Investment Plans (SIPs) help in averaging out market volatility and benefit from the power of compounding.
Recurring Deposit or Debt Mutual Fund SIP:

Amount: ?20,000 per month.
Rationale: Provides stable and assured returns, ensuring a balanced risk profile.
Step 4: Regular Reviews and Adjustments
Monitor your investments regularly. Review and adjust your portfolio based on market conditions and performance. Rebalancing your portfolio annually can help in maintaining the desired asset allocation.

Step 5: Focus on Tax Efficiency
To minimize taxes, consider:

Equity Funds: Long-term capital gains on equity funds are taxed at a lower rate.
Debt Funds: Hold for more than three years to benefit from indexation, which reduces taxable income.
Step 6: Inflation Adjustment
Ensure your investments are growing at a rate higher than inflation. Historically, equity mutual funds have provided returns that outpace inflation, making them essential for long-term growth.

Step 7: Projected Growth and Future Income
Assuming an average annual return of 12% from your equity investments and 7% from debt investments, your ?40 lakh corpus, along with monthly SIPs, should grow significantly over ten years. Regularly increasing your SIP amount in line with salary increments can further enhance your corpus.

Conclusion
Achieving a monthly income of ?2 lakh after ten years requires a strategic investment approach. Diversifying your portfolio, focusing on equity mutual funds for growth, and maintaining tax efficiency are crucial steps. Regular reviews and disciplined investing will guide you towards your financial goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Your financial plan exhibits careful consideration of various aspects of retirement planning. With no loans and a substantial corpus, you are in a favorable position. Here's an analytical review of your plan and some suggestions for optimizing your strategy.

Monthly and Annual Income
With a monthly pension of ?40,000 and additional rental income, your immediate cash flow needs are well-covered. The planned Systematic Withdrawal Plan (SWP) from Mutual Funds (MFs) will supplement this, providing additional liquidity.

Mutual Funds with SWP
Investing ?1 crore in Mutual Funds with a SWP of ?25,000 per month is a solid strategy. Mutual Funds offer potential for capital appreciation and can help in beating inflation over the long term. Actively managed funds are recommended over index funds due to the potential for higher returns.

Senior Citizens Savings Scheme (SCSS)
Allocating ?30 lakh to SCSS is a wise choice. SCSS offers attractive interest rates, tax benefits under Section 80C, and regular quarterly interest payouts, which will further support your monthly cash flow.

Post Office Monthly Income Scheme (POMIS)
Investing ?9 lakh in POMIS provides a reliable source of monthly income. This scheme offers a fixed monthly return, which can help in managing your monthly expenses.

Fixed Deposit (FD) in Post Office
The FD of ?2 lakh in your wife's name is a conservative yet safe option. Post Office FDs offer guaranteed returns, although they are relatively low. Ensure to reinvest upon maturity to continue earning interest.

Public Provident Fund (PPF)
Continuing to invest ?20 lakh in PPF is an excellent decision. PPF provides tax-free returns, compounded annually, and is a risk-free investment option. It also contributes to your retirement corpus growth, albeit with a lock-in period of 15 years.

Emergency Fund
Maintaining an emergency fund of ?20 lakh in FD ensures that you have quick access to funds in case of unforeseen circumstances. This amount seems adequate considering your overall financial situation.

Tax Efficiency and Inflation Protection
To minimize tax and beat inflation, consider the following suggestions:

Tax-efficient Investments: Ensure that your mutual funds include equity-oriented funds, as these have favorable tax treatment compared to debt funds. Long-term capital gains from equity funds are taxed at a lower rate.
Diversification: Diversify your mutual fund investments across equity, debt, and hybrid funds to balance risk and returns. This will help in managing market volatility and securing steady returns.
Regular Review: Periodically review your portfolio to adjust for changing market conditions and life events. Consulting with a Certified Financial Planner can help you make informed decisions.
Long-term Growth and Security
Your plan should focus on growth while ensuring security. Diversification across different asset classes helps in managing risks. Ensure to keep some funds in liquid assets for any immediate requirements.

Empathy and Understanding
Your plan shows a thoughtful approach towards securing your and your family's future. The allocation towards your daughters' education and marriage demonstrates your responsible planning.

Conclusion
Your financial plan is well-structured, balancing income, growth, and security. By focusing on diversified investments, tax efficiency, and periodic reviews, you can achieve your goal of a comfortable retirement, managing your expenses, and growing your corpus to beat inflation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: It’s commendable that you have been consistent with your SIP for the last four years. Your disciplined approach shows a commitment to long-term financial goals. Balancing an EMI of ?28,000 with an SIP of ?16,000 indicates a good grasp of financial planning.

However, evaluating whether to use your SIP funds to reduce your loan requires a careful analysis of several factors.

Loan Repayment vs. Investment Growth
Consider the interest rate on your loan. If your loan interest rate is higher than the average returns on your SIP, it might make sense to repay the loan.

Reducing your debt can also provide a sense of financial relief and improve your cash flow.

Opportunity Cost of Withdrawing SIP
By withdrawing your SIP, you may lose out on potential future gains from compounding.

Investments typically grow over time, and redeeming them prematurely could hinder your financial growth.

The decision should weigh the immediate benefit of debt reduction against the long-term benefit of staying invested.

Impact on Financial Goals
Reflect on your financial goals. If you use your SIP funds to pay off the loan, will you be able to rebuild your investment corpus quickly?

Starting a higher SIP of ?45,000-?50,000 is a good plan, but it will take time to recover the withdrawn amount.

Benefits of Actively Managed Funds
If you decide to continue investing, consider actively managed funds.

These funds are managed by experts who aim to outperform the market. Unlike index funds, actively managed funds offer the potential for higher returns, though they come with higher fees.

Professional Guidance
Consulting a Certified Financial Planner can provide personalized advice. A professional can help you assess the best strategy based on your specific financial situation and goals.

Evaluating Direct vs. Regular Funds
Direct funds might seem cost-effective, but they lack the professional guidance offered by regular funds.

Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner credential ensures you receive expert advice.

This can help in making informed decisions and potentially achieving better returns.

Empathy and Understanding
We understand that managing an EMI and investments simultaneously can be challenging. Your desire to make the best financial decision is important.

By carefully considering your options and seeking professional guidance, you can navigate this decision effectively.

Conclusion
In conclusion, using your SIP funds to pay off your loan could provide immediate relief, but it might impact your long-term financial growth.

Balancing debt repayment with continued investment requires careful planning.

Consult a Certified Financial Planner to help you make an informed decision that aligns with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in