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Ramalingam

Ramalingam Kalirajan  |6269 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 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
Arun Question by Arun on Apr 10, 2024Hindi
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Hi Sir I am investing in Parag Parikh Flexi cap 6k, Canara Robeo small cap 2k, Quant Multicap 6k, Quant ELSS 2K. Are the above funds good to invest, Invest for last 4 years and would like to continue for next 10 Years. I am 43 years old. I am also investing in NPS 6K per month for last 3 years.

Ans: It's great to hear that you're investing for the long term! The funds you've chosen have their own investment strategies and risk profiles, which can complement each other well in a diversified portfolio. Parag Parikh Flexi Cap Fund is known for its global diversification and focus on quality stocks, while Canara Robeco Small Cap Fund and Quant Multicap Fund provide exposure to small and mid-cap segments of the market. Quant ELSS offers tax-saving benefits along with equity exposure.

Considering your investment horizon of 10 years and your age, these funds can be suitable. However, it's essential to regularly review your portfolio's performance and make adjustments if necessary. Additionally, continue contributing to NPS for retirement planning, as it offers tax benefits and helps build a retirement corpus.

As always, it's advisable to consult with a financial advisor who can provide personalized guidance based on your financial goals, risk tolerance, and overall financial situation.
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  |6269 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Hello Sir I m investing 9000 in SBI small cap & 9000 in Quant small cap in Feb'2024. Also 6000 in Parag Parikh Flexi Cap and 6000 in Quant Flexi Cap for the period for 20+ years. Please review my funds. Is these are good to continue.
Ans: It's commendable that you're investing with a long-term horizon in mind. Let's review your fund choices:

SBI Small Cap: Small-cap funds typically carry higher risk but also the potential for higher returns over the long term. Given your investment horizon of 20+ years, investing in small-cap funds can be a sound strategy, as they have the potential to outperform over extended periods.

Quant Small Cap: Similar to SBI Small Cap, Quant Small Cap also falls into the small-cap category. It's essential to understand that small-cap funds can be volatile in the short term but may offer significant growth opportunities over the long run.

Parag Parikh Flexi Cap: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. Parag Parikh Flexi Cap is known for its diversified approach and focus on quality stocks. It's a suitable choice for long-term investors seeking exposure to a mix of large, mid, and small-cap stocks.

Quant Flexi Cap: Flexi-cap funds like Quant Flexi Cap offer flexibility in asset allocation, allowing the fund manager to adapt to changing market conditions. While Quant Flexi Cap may provide growth opportunities, it's essential to monitor its performance and ensure it aligns with your investment objectives.

Overall, your fund selection reflects a diversified approach across small-cap and flexi-cap categories, which can potentially provide robust growth prospects over the long term. However, it's essential to regularly review your investments to ensure they remain aligned with your financial goals and risk tolerance.

Consider consulting with a Certified Financial Planner periodically to reassess your investment strategy and make any necessary adjustments based on changing market dynamics and personal circumstances.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6269 Answers  |Ask -

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

Money
Hi Sir, I am investing in Parag Parikh Flexi cap 2k, Nippon India Small Cap 2k, PGIM India Midcap Opportunities 2k, Bank of India ELSS Tax Saver 2K and Kotak Flexicap Fund 2k. Are the above funds good to invest, invest for last 3 years and would like to continue for next 15 Years. I am 35 years old. I am also investing in PPF 5K per month for last 4 years. Please suggest if I need any change/add to this list?
Ans: Assessment of Current Investments
Your current investment portfolio shows a thoughtful approach to diversification. You’ve chosen funds across various categories: flexi cap, small cap, mid cap, and ELSS. This is a strong foundation for long-term growth. Let's break down the elements and assess if any adjustments are needed.

Flexi Cap Funds
Strength in Flexibility: Flexi cap funds offer flexibility across market capitalizations. This flexibility can help navigate different market cycles effectively.

Balanced Risk and Return: Your investments in flexi cap funds are well-positioned to balance growth with stability. This makes them a solid choice for your long-term goals.

Small Cap and Mid Cap Funds
High Growth Potential: Small cap and mid cap funds provide exposure to companies with high growth potential. Over a 15-year period, these can deliver substantial returns.

Increased Volatility: However, these funds can be more volatile in the short term. The long-term horizon you have planned helps mitigate this risk.

ELSS Funds
Tax Efficiency: Your investment in an ELSS fund not only offers growth potential but also provides tax benefits under Section 80C. This dual benefit is an excellent strategy.

Long-Term Commitment: ELSS funds come with a lock-in period of three years. This aligns well with your long-term investment horizon, ensuring discipline in your investments.

Public Provident Fund (PPF)
Safe and Secure: Your monthly investment in PPF adds a layer of security to your portfolio. PPF offers assured returns, making it a good tool for risk management.

Tax-Free Returns: The returns from PPF are tax-free, which adds to the overall growth of your corpus. This is a sound strategy for long-term wealth accumulation.

Evaluating the Need for Changes
Given your diversified approach, your portfolio is well-structured for long-term growth. However, let’s consider a few additional points to ensure it remains robust over the next 15 years.

Consideration of Additional Investments
Large Cap Fund: While flexi cap funds provide exposure to large caps, you might consider a dedicated large cap fund. This can further balance your portfolio by adding stability through investments in established companies.

Sectoral/Thematic Fund: If you are willing to take on a bit more risk for potentially higher returns, a small allocation to a sectoral or thematic fund could be considered. This is optional but could add another layer of diversification.

Revisiting PPF Contribution
Balance with Equity Exposure: Your current Rs. 5,000 monthly investment in PPF is a safe choice. However, ensure that it doesn’t overshadow your equity investments. Equity has the potential to outpace fixed income returns over the long term.

Review Periodically: Keep reviewing your PPF contributions in relation to your overall portfolio. Adjustments may be needed based on changing market conditions or life goals.

Long-Term Investment Strategy
Consistency is Key: You’ve been investing for the last three years, which is commendable. Continue with this disciplined approach to build wealth over time.

Periodic Review: It’s essential to review your portfolio periodically. This ensures your investments remain aligned with your financial goals and market dynamics.

Rebalancing: As your investment progresses, consider rebalancing your portfolio. This helps in maintaining the desired asset allocation and managing risk effectively.

Direct vs. Regular Funds
Disadvantages of Direct Funds:

No Professional Guidance: Direct funds lack the guidance of a Certified Financial Planner. This could lead to missed opportunities or higher risks.

Time and Effort: Managing direct funds requires significant time and effort. Without expertise, this could result in suboptimal investment decisions.

Advantages of Investing Through a CFP:

Tailored Advice: A CFP provides personalized advice, ensuring your investments align with your financial goals.

Ongoing Monitoring: Investing through a CFP means your portfolio is regularly monitored and adjusted to market conditions, optimizing your returns.

Final Insights
Your investment strategy is on the right track with a diversified portfolio across flexi cap, small cap, mid cap, and ELSS funds. Your monthly PPF contributions also add a layer of security to your financial plan. However, consider adding a large cap fund for further stability and possibly a sectoral fund for additional diversification.

Stay consistent with your investments, periodically review your portfolio, and consider the guidance of a Certified Financial Planner for optimal results. This will ensure that your investments continue to grow and meet your financial goals over the next 15 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6269 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 08, 2024

Asked by Anonymous - Aug 02, 2024Hindi
Money
I am 62 years old and recently started investing through Sip in below mutual fund. I intend to invest for 8-10 years. 1) Edelweiss Balance Advantage G - Rs.5K 2) HDFC Defence G - Rs.5K 3) Mirae ELSS G - Rs.5K 4) Motilal Oswal Large & Midcap G - Rs.5K 5) Nippon India Power & Infrastructure G - Rs.5K 6) Quant Flexicap G - Rs.5K 7) Quant Midcap G - Rs.5K 8) Quant Value G - Rs.5K 9) UTI Nifty 200 Momentum 30 Index G - Rs.5k Please suggest if the selected funds are good to invest for 8- 10 years period.
Ans: Assessing Your Current Mutual Fund Portfolio

Your portfolio has a diverse mix of funds across various categories. At 62, planning for an 8-10 year investment horizon is commendable. This approach allows you to benefit from market growth while also preparing for retirement. Let's evaluate your selected funds and provide insights into the effectiveness of your portfolio strategy.

Diversification and Fund Categories

You’ve spread your investments across different categories. This is generally a good strategy. But, it’s important to assess if these funds align with your financial goals and risk tolerance. Here’s a breakdown:

Balanced Advantage Fund: This type of fund balances equity and debt exposure. It helps manage risk, especially as you approach retirement.

Sectoral Funds (Defence, Power & Infrastructure): These funds focus on specific sectors. They can be volatile, as their performance is tied to the sector's health. Holding sector-specific funds can lead to concentration risk. It’s crucial to monitor their performance regularly.

Equity Linked Savings Scheme (ELSS): This is a tax-saving instrument. It has a lock-in period of three years. It’s good for long-term wealth creation with the added benefit of tax savings.

Large & Midcap Funds: These funds invest in both large and mid-sized companies. They offer a balance of stability and growth potential. But, they can be subject to market volatility.

Flexicap Fund: This fund has the flexibility to invest across market capitalizations. It allows the fund manager to adapt to market conditions.

Midcap Fund: Midcap funds focus on medium-sized companies. They have high growth potential but also come with increased risk.

Value Fund: This fund invests in undervalued stocks. It has the potential for significant returns but requires patience. Value stocks may take time to realize their potential.

Index Fund: Index funds replicate a market index. They provide broad market exposure. However, they lack the active management that could help navigate market fluctuations.

Key Considerations

While your portfolio is diversified, there are some points to consider for optimization:

Sectoral Exposure: Sector-specific funds like Defence and Power & Infrastructure are high-risk. If the sector performs poorly, these funds can underperform. It’s advisable to limit exposure to such funds.

Index Fund Disadvantages: Index funds like the UTI Nifty 200 Momentum 30 have a passive management style. They can’t adapt to market changes. This could limit potential returns during volatile market conditions. Actively managed funds, guided by experienced fund managers, offer better chances for growth.

Direct Funds vs. Regular Funds: Direct funds have lower expense ratios but require a hands-on approach. If you prefer professional guidance, regular funds through a Certified Financial Planner (CFP) are more suitable. Regular funds also provide access to expert advice, helping you make informed decisions.

Optimizing Your Portfolio

To align your investments with your goals and risk profile, consider these adjustments:

Reduce Sectoral Exposure: Consider reducing your investments in sectoral funds. These funds are more volatile and can impact your portfolio's overall stability. A more diversified approach can help mitigate risk.

Focus on Actively Managed Funds: Shift focus towards actively managed funds. These funds have professional managers who can make decisions based on market conditions. This could potentially offer better returns compared to index funds.

Review Flexicap Allocation: The Flexicap fund in your portfolio provides flexibility in capitalization exposure. Ensure this fund aligns with your overall investment strategy. It should complement rather than overlap with other funds in your portfolio.

Rebalancing and Monitoring

Regular Reviews: At 62, it’s essential to regularly review your portfolio. Ensure your investments align with your evolving financial needs. Consider rebalancing your portfolio annually to maintain your desired risk level.

Risk Management: As you approach retirement, it’s wise to gradually reduce exposure to high-risk assets. This helps protect your capital while still allowing for some growth.

Consult a Certified Financial Planner: Engaging with a CFP can provide personalized advice. They can help tailor your portfolio to your specific needs. This ensures that your investments are optimized for your retirement goals.

Final Insights

Your current portfolio is diverse, which is a positive aspect. However, it’s important to consider the risks associated with sectoral and index funds. Shifting focus towards actively managed funds and reducing sectoral exposure can help optimize your portfolio for better returns. Regular reviews and adjustments will ensure your investments remain aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |6269 Answers  |Ask -

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

Asked by Anonymous - Sep 11, 2024Hindi
Money
Hello Sir, I currently have ?7 lacs idle in my savings account and I'm exploring the best way to manage this, considering my financial situation and future needs. My financial overview includes: monthly investments in equity mutual funds with a long-term perspective, comprehensive health and term insurance, an emergency fund covering 6 months expenses, and an additional ?50k saved each month after all expenditures and SIP contributions. Additionally, I hold ?4.75 lacs in another account for immediate needs. I aim to categorize my investments into non-withdrawal mutual funds for long-term compounding benefits and withdraw-able mutual funds for safer, more liquid options that beat inflation. I seek advice on managing these funds and specific mutual fund recommendations, as I might need access to this money (or not need) within 2-5 years. Any guidance would be greatly appreciated!
Ans: Firstly, it’s commendable that you already have a robust financial framework in place. Your systematic investments in equity mutual funds, comprehensive health and term insurance, and an emergency fund that covers six months of expenses indicate a well-thought-out financial strategy. These elements are crucial for financial stability, as they ensure you’re protected against unforeseen circumstances while continuing to grow your wealth.

In addition to your Rs. 7 lakhs of idle savings and Rs. 4.75 lakhs set aside for immediate needs, you also have an impressive Rs. 50,000 in monthly savings after all expenses and investments. This presents a strong base for further wealth creation, and managing these funds effectively will help you meet your short-term and long-term goals. Let’s explore how you can maximize the potential of your idle funds, taking into account both liquidity needs and long-term compounding.

Categorizing Funds: Long-Term and Short-Term Investments
Your decision to divide your investments into two categories—non-withdrawable mutual funds for long-term growth and withdrawable mutual funds for short-term liquidity—is a sound approach. This division allows you to meet both your immediate financial needs while simultaneously growing your wealth over the long term.

Long-Term Investment: Non-Withdrawal Funds (2-5 Years and Beyond)
For long-term compounding, equity mutual funds are an ideal vehicle. You’re already investing in these funds with a long-term perspective, which is excellent, as equity tends to outperform other asset classes like debt or fixed deposits over time.

Here’s how you can further optimize your long-term investment strategy:

Continue SIPs in Equity Mutual Funds: Regular investments through Systematic Investment Plans (SIPs) allow you to benefit from rupee cost averaging. This means you buy more units when markets are down and fewer units when markets are up, thus averaging your cost over time. Given that you already have SIPs in place, it’s advisable to continue with these contributions. Over the long term, equity markets tend to grow despite short-term volatility, and consistent investments will help you capitalize on this growth.

Lump Sum Allocation from Idle Funds: Since you have Rs. 7 lakhs sitting idle in your savings account, which is currently not earning much interest, it’s prudent to put a portion of this amount into equity mutual funds. You could allocate Rs. 4-5 lakhs of this sum towards equity mutual funds to boost your long-term growth. This will allow the funds to compound over time, helping you accumulate wealth more effectively.

Benefits of Actively Managed Funds Over Index Funds: While index funds track a specific index like the Nifty 50, they are often less flexible and cannot adjust to changing market conditions. On the other hand, actively managed funds, overseen by professional fund managers, have the ability to change their asset allocation based on market trends, thus potentially offering higher returns. Although index funds may have lower fees, they may not always outperform actively managed funds, especially in a volatile or uneven market.

Avoid Direct Funds for Better Portfolio Management: Direct mutual funds, although they come with a lower expense ratio, require constant tracking and decision-making. This can be cumbersome for someone who may not have the time or expertise to monitor the markets closely. Investing through a Mutual Fund Distributor (MFD) who has a Certified Financial Planner (CFP) credential will allow you to benefit from expert advice and portfolio management. A CFP can help optimize your portfolio by selecting the right mix of funds based on your risk tolerance, financial goals, and market conditions. Additionally, the long-term relationship with an MFD/CFP can ensure timely adjustments to your portfolio.

Short-Term Investment: Withdrawable Funds (2-5 Years)
For the portion of your savings that you may need within the next 2-5 years, you need safer and more liquid investment options. While equity mutual funds are great for long-term growth, they can be volatile in the short term, which makes them less suitable for funds you might need soon. Here’s how you can structure your short-term investments:

Hybrid Funds: These funds offer a balanced approach by investing in both equities and debt instruments. The equity portion provides the opportunity for growth, while the debt portion offers stability and reduces volatility. Hybrid funds are less risky than pure equity funds and provide a good option for investors looking to beat inflation while keeping the investment relatively safe.

Short-Term Debt Funds: Debt mutual funds invest in government securities, corporate bonds, and other fixed-income instruments. These funds are less volatile than equity mutual funds, making them ideal for short-term investments. By investing in debt funds with shorter maturity periods, you can achieve relatively higher returns than a savings account while ensuring that the risk is low. Debt funds can also provide liquidity, allowing you to withdraw your money when needed.

Liquid Funds: For funds that you need to access quickly, liquid mutual funds are a good option. These funds invest in short-term, low-risk instruments and offer better returns than a regular savings account. Importantly, liquid funds allow you to withdraw money with minimal hassle, often within 24 hours. Since you might need access to your savings for immediate or unexpected expenses, liquid funds are an ideal choice to park part of your Rs. 7 lakhs.

Avoid Index Funds for Short-Term Goals: Index funds, though popular for their simplicity and low costs, may not be suitable for short-term investments. They follow the market and cannot adapt quickly to changing economic conditions. If the market experiences a downturn during the period when you need your funds, you might be forced to withdraw at a loss. Therefore, for short-term investments, it’s better to focus on debt or hybrid funds that offer stability.

Strategic Allocation of Rs. 7 Lakhs
Given your financial goals and the possibility that you may need access to some of your savings within the next 2-5 years, here’s how you can strategically allocate your Rs. 7 lakhs:

Rs. 4-5 Lakhs for Long-Term Growth: Allocate a significant portion of your idle Rs. 7 lakhs into long-term equity mutual funds. This will allow you to take advantage of market compounding and generate wealth over time. Equity funds, despite short-term volatility, tend to offer the highest returns over periods of 5 years or more.

Rs. 2-3 Lakhs for Short-Term Flexibility: Park the remainder of your Rs. 7 lakhs into safer, more liquid investments such as hybrid or debt funds. These funds provide a good balance between safety and returns, allowing your money to grow while being accessible when needed. If you find that you don’t need these funds in 2-3 years, you can always move them into more aggressive investments later.

Managing the Rs. 4.75 Lakhs for Immediate Needs
You’ve wisely set aside Rs. 4.75 lakhs in another account for immediate needs. Since this money may be required at any time, it’s essential to keep it in a highly liquid and low-risk option.

Liquid Mutual Funds: As mentioned earlier, liquid funds are an excellent choice for immediate needs. They offer liquidity similar to a savings account but with the potential to earn higher returns. Liquid funds invest in short-term instruments and typically allow you to access your money within a day, making them ideal for emergency funds or immediate expenses.

High-Interest Savings Account: Alternatively, you can keep this money in a high-interest savings account. This option provides both safety and liquidity, though the returns may not beat inflation over the long term. However, since the primary goal for this Rs. 4.75 lakhs is to maintain accessibility, a high-interest savings account could be a good secondary option.

Utilizing Rs. 50,000 in Monthly Savings
Your ability to save Rs. 50,000 per month after all expenses and investments is a strong indicator of financial discipline. This surplus can be put to excellent use for both short-term flexibility and long-term wealth creation.

Increase Equity SIP Contributions: You could allocate a portion of your Rs. 50,000 monthly savings to increase your SIP contributions in equity mutual funds. This will allow you to compound your wealth even faster. Since equity markets can experience ups and downs, adding more to your SIPs during market downturns will help you purchase more units at a lower cost, thus improving long-term returns.

Allocate to Short-Term SIPs: You can also consider starting or increasing your SIPs in short-term hybrid or debt mutual funds. These funds provide stability and liquidity while offering better returns than traditional savings instruments. By allocating part of your monthly savings to these funds, you create a pool of investments that can be tapped into for medium-term goals or unexpected needs.

Final Insights
In conclusion, you are on the right track with your investments and financial planning. To enhance your financial portfolio and ensure both long-term growth and short-term liquidity, consider the following strategies:

Allocate Rs. 4-5 Lakhs from your idle Rs. 7 lakhs into long-term equity mutual funds for compounding benefits over the next 5 years and beyond. Equity mutual funds are ideal for wealth creation and will help you meet your future financial goals.

Invest Rs. 2-3 Lakhs in short-term debt or hybrid mutual funds. These funds offer a balance between safety and returns, ensuring your funds are accessible when needed while also beating inflation.

Keep the Rs. 4.75 lakhs set aside for immediate needs in liquid mutual funds. Liquid funds will give you quick access to your money, while also providing higher returns than a savings account.

Use your Rs. 50,000 in monthly savings to increase your SIP contributions. By boosting your long-term equity investments and adding to short-term hybrid or debt funds, you can ensure that your financial plan remains flexible while growing your wealth steadily.

By following these recommendations, you will not only optimize your current investments but also lay a strong foundation for future financial security. The balance between long-term growth and short-term flexibility is key to meeting your financial goals, and with consistent efforts, you will continue to strengthen your financial portfolio.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Milind

Milind Vadjikar  |96 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 11, 2024

Asked by Anonymous - Sep 10, 2024Hindi
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Money
Hello Sir, I currently have ?5 lacs sitting idle in my savings account and I'm looking for the best way to manage this money considering my financial situation and future needs. Here's a breakdown of my financial state: - Investments: Already invests in equity mutual funds monthly with a long-term horizon. - Insurance: Covered with both health and term insurance. - Emergency Fund: Have 6 months' worth of expenses saved. - Monthly Savings: After all expenses and SIP contributions, I save an additional ?30k each month. - I have an additional ?4 lacs in another bank account for immediate expenses if needed. Personally would like to categorise investments in two categories: - Non-redeemable Mutual Funds: Invest & forget. For a 10-15 year investment horizon. Let compounding do the magic in long term. - Redeemable Mutual Funds: Low to moderate risk. Safer options that offer better returns than FDs, ensuring at least the buying power of the money doesn't decrease / beats inflation. Goals for the Idle Money + additional ?30k savings each month: I might need to access this money in the next 2-5 years, or I might not. I'm considering placing it in redeemable mutual funds category (mentioned above), so I can withdraw if necessary for future expenses. Given this scenario, I’m looking for recommendations on specific types of mutual funds that meet these criteria. Any advice on managing these funds effectively would be greatly appreciated!
Ans: You may consider investing in Equity Savings mutual fund to match your expectations

You can do lumpsum for the idle money and SIP for the monthly saving

They are tax efficient because taxation is like an equity fund although they invest almost equal amount in equity, bonds and arbitrage

Relatively less riskier then the equity funds

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

You may follow us on X at @mars_invest for updates

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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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