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Ramalingam Kalirajan  |4992 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 15, 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
Basker Question by Basker on Jun 15, 2024Hindi

Monthly VPF 25k, NPS 15k MF 30k is good

Ans: Evaluating Your Investment Strategy
Your current investment strategy of Voluntary Provident Fund (VPF) Rs 25,000, National Pension System (NPS) Rs 15,000, and Mutual Funds (MF) Rs 30,000 per month is a solid approach. It's important to assess this strategy comprehensively to ensure it aligns with your financial goals and risk tolerance.

Voluntary Provident Fund (VPF)
Security and Tax Benefits
Investing Rs 25,000 per month in VPF offers high security and tax benefits. VPF is an extension of the Employees' Provident Fund (EPF), allowing you to contribute more voluntarily. The returns are usually fixed and risk-free, making it an excellent choice for conservative investors.

Long-term Wealth Accumulation
VPF is suitable for long-term wealth accumulation. The compounding effect over the years can significantly grow your corpus, especially when combined with employer contributions. This ensures a substantial retirement fund, which is crucial for maintaining your lifestyle post-retirement.

Limited Liquidity
However, VPF has limited liquidity. Withdrawals are restricted, and premature withdrawals can incur penalties. This makes VPF less suitable for those who might need quick access to their funds. It’s important to balance VPF with other more liquid investments.

National Pension System (NPS)
Retirement-focused Investment
Allocating Rs 15,000 per month to NPS is a prudent choice for retirement planning. NPS is a government-sponsored pension scheme that offers a mix of equity, corporate bonds, and government securities. This diversification reduces risk and enhances returns over the long term.

Tax Advantages
NPS provides additional tax benefits under Section 80CCD(1B), over and above the Rs 1.5 lakh limit under Section 80C. This can lead to significant tax savings, making NPS a tax-efficient investment option.

Annuity Requirement
One notable feature of NPS is the mandatory annuity purchase upon maturity. While this ensures a steady income stream post-retirement, it can limit the lump sum availability. This is something to consider if you prefer having more control over your retirement corpus.

Mutual Funds (MF)
Diversification and Growth Potential
Investing Rs 30,000 per month in Mutual Funds offers the benefit of diversification and higher growth potential. Mutual Funds pool money from various investors to invest in equities, bonds, and other securities. This spreads risk and increases the chance of higher returns.

Actively Managed Funds Over Index Funds
Actively managed funds, as opposed to index funds, provide professional fund management aiming to outperform market indices. These funds adapt to market conditions, aiming to deliver superior returns. This can be more beneficial than passively tracking an index, which may not always capture market opportunities.

Regular Funds Over Direct Funds
Regular funds, purchased through a Certified Financial Planner (CFP), come with advisory support, making them a better choice than direct funds. A CFP helps you navigate market complexities, offers personalized advice, and ensures your investments align with your financial goals. This professional guidance often outweighs the slightly higher expense ratios of regular funds.

Flexibility and Liquidity
Mutual Funds offer flexibility and liquidity, allowing you to redeem your investments at any time without significant penalties. This feature makes them an ideal component of your investment portfolio, ensuring you have access to funds when needed.

Comprehensive Financial Planning
Balancing Risk and Return
Your current allocation balances risk and return effectively. VPF provides safety and guaranteed returns, NPS offers a balanced approach with tax benefits, and Mutual Funds enhance growth potential through market participation. This diversification reduces overall portfolio risk while aiming for optimal returns.

Aligning with Financial Goals
It's crucial to align your investments with your financial goals. Regularly review your portfolio to ensure it meets your short-term, medium-term, and long-term objectives. Adjustments may be necessary as your life circumstances and financial goals evolve.

Emergency Fund
While your investment strategy is robust, ensure you have an emergency fund. An emergency fund covers unexpected expenses, preventing you from dipping into your long-term investments. Typically, an emergency fund should cover 6-12 months of living expenses.

Health Insurance
Adequate health insurance is another essential component. Health emergencies can deplete your savings quickly. Having comprehensive health insurance protects your finances and provides peace of mind.

Risk Management and Contingency Planning
Evaluating Risk Tolerance
Understanding your risk tolerance is key. Your investments should match your comfort level with risk. If market fluctuations cause anxiety, you might need a more conservative approach. Conversely, if you can withstand volatility for higher returns, more aggressive investments may be suitable.

Regular Portfolio Review
Regularly reviewing your portfolio ensures it stays aligned with your goals and risk tolerance. Market conditions change, and so should your investment strategy. A Certified Financial Planner can assist in rebalancing your portfolio to maintain the desired risk-return profile.

Contingency Planning
Have a contingency plan for unforeseen events like job loss, medical emergencies, or other financial setbacks. This includes maintaining an emergency fund and having adequate insurance coverage. Contingency planning protects your long-term investments and financial stability.

Tax Planning
Maximizing Tax Benefits
Your current investments in VPF and NPS provide significant tax benefits. Ensure you are fully utilizing these benefits to reduce your taxable income. Combining these with tax-efficient Mutual Funds can optimize your tax planning strategy.

Long-term Tax Efficiency
Consider the long-term tax implications of your investments. Tax-efficient growth can enhance your overall returns. A Certified Financial Planner can help structure your investments to minimize tax liability while maximizing growth potential.

Professional Guidance and Support
Role of a Certified Financial Planner
Engaging a Certified Financial Planner offers personalized financial advice tailored to your unique situation. A CFP provides insights into market trends, helps in goal setting, and ensures your investments are on track to meet your objectives. This professional support is invaluable in navigating complex financial landscapes.

Avoiding Common Pitfalls
A CFP helps you avoid common investment pitfalls, such as emotional decision-making, lack of diversification, and inadequate risk management. With expert guidance, you can make informed decisions that enhance your financial well-being.

Final Insights
Your current investment strategy of Rs 25,000 in VPF, Rs 15,000 in NPS, and Rs 30,000 in Mutual Funds is well-structured. It offers a balanced approach, combining security, tax benefits, and growth potential. Regular reviews, professional guidance, and aligning investments with your goals are crucial for long-term success. Ensure you have an emergency fund and adequate insurance to safeguard your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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  |4992 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - Apr 24, 2024Hindi
I am 55 years old and I will retire at the age of 62 years. I am under NPS and so far my NPS corpse is Rs. 1crore and I have MF of Rs. 25lakhs. I have been doing SIP of Rs. 20000/- for the last 10 years. Currently my sip amount is Rs.45000/- per month. My NPS tire 1 contribution is Rs. 67000/- per month. Are these enough for my retirement purpse ?
Ans: Firstly, let me commend you on your diligent efforts towards planning for your retirement. It's essential to evaluate your current financial position and assess if your savings and investments align with your retirement goals.

Evaluating Existing Retirement Corpus
NPS and Mutual Funds
Your NPS corpus of Rs. 1 crore and MF investments of Rs. 25 lakhs signify a significant portion of your retirement savings.
It's commendable that you've been consistently investing through SIPs over the past decade, demonstrating discipline and foresight.
Monthly Contributions
Your current SIP of Rs. 45,000 and NPS Tier 1 contribution of Rs. 67,000 per month reflect a substantial commitment towards retirement planning.
Regular contributions over an extended period can potentially lead to significant wealth accumulation over time.
Analyzing Retirement Adequacy
Consideration of Retirement Expenses
To determine if your savings and investments are sufficient for retirement, it's crucial to estimate your post-retirement expenses.
Consider factors such as living expenses, healthcare costs, inflation, and any additional financial commitments.
Retirement Income Sources
Apart from your NPS and MF investments, assess other potential sources of retirement income, such as pension benefits, annuities, rental income, or passive income streams.
Diversifying income sources can provide stability and resilience during retirement.
Conducting a Retirement Gap Analysis
Retirement Corpus Estimation
Estimate the corpus required to sustain your desired lifestyle and meet financial goals during retirement.
Consider factors like inflation, life expectancy, healthcare expenses, and any outstanding liabilities.
Assessing Shortfall or Surplus
Compare your estimated retirement corpus requirement with your existing savings and investments.
Identify any shortfall or surplus to determine if adjustments are necessary in your savings strategy.
Recommendations for Retirement Planning
Review and Adjust Strategy
Regularly review your retirement plan and make adjustments based on changing circumstances, financial goals, and market conditions.
Consider consulting with a Certified Financial Planner (CFP) for personalized advice tailored to your specific needs and objectives.
Explore Additional Retirement Avenues
Explore opportunities to enhance your retirement savings, such as voluntary contributions to NPS, tax-saving investments, or retirement-oriented mutual funds.
Ensure a diversified portfolio mix aligned with your risk tolerance and investment horizon.
In conclusion, while your current savings and investments demonstrate a proactive approach towards retirement planning, it's essential to conduct a comprehensive analysis to ensure adequacy. Regular monitoring, prudent asset allocation, and strategic adjustments can help you achieve your retirement objectives with confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


..Read more


Ramalingam Kalirajan  |4992 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

To get a month income of Rs 30000 what should my MF corpus and which fund shoukd I opt?
Ans: To earn a monthly income of Rs. 30,000 from mutual funds, the primary objective is to build a sustainable corpus.

Estimating the Required Corpus
To achieve a monthly income of Rs. 30,000, we need to calculate the total corpus. Assuming a conservative annual withdrawal rate of 4%, we can derive the needed corpus.

Choosing the Right Mutual Funds
When selecting mutual funds for this purpose, it's crucial to focus on specific types of funds that align with your goals. Here are key points to consider:

Diversified Equity Funds
These funds invest across various sectors.
They balance risk and reward.
Hybrid Funds
These funds mix equity and debt.
They provide stability and growth.
Monthly Income Plans
These plans focus on regular payouts.
They are suitable for generating steady income.
Benefits of Actively Managed Funds
Actively managed funds have several advantages over index funds:

Professional Management: Certified financial planners oversee the investments.
Flexibility: Fund managers can adapt to market changes.
Potential for Higher Returns: Skilled managers can outperform benchmarks.
Disadvantages of Direct Funds
Direct funds might seem cost-effective but have certain drawbacks:

Lack of Guidance: Investors might miss expert advice.
Higher Risk: Without a certified financial planner, risks might be higher.
Benefits of Regular Funds
Investing through a certified financial planner provides these benefits:

Expert Advice: Ensures informed decisions.
Risk Management: Helps in balancing risk.
Personalized Strategy: Tailors investments to your needs.
Building a Sustainable Corpus
Here’s a step-by-step approach to building your corpus:

Step 1: Assess Your Current Investments
Evaluate your existing mutual funds and other investments.

Step 2: Diversify Your Portfolio
Ensure your portfolio includes:

Diversified Equity Funds
Hybrid Funds
Monthly Income Plans
Step 3: Regular Contributions
Continue regular investments through SIPs. This ensures consistent growth.

Step 4: Rebalance Periodically
Review and adjust your portfolio periodically with your certified financial planner.

Final Insights
Achieving a monthly income of Rs. 30,000 from mutual funds is attainable with a well-planned strategy. Focus on a mix of diversified equity funds, hybrid funds, and monthly income plans. Regular investments, periodic reviews, and guidance from a certified financial planner will ensure you reach your goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


..Read more

Latest Questions

Ramalingam Kalirajan  |4992 Answers  |Ask -

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

Asked by Anonymous - Jul 14, 2024Hindi
Is unrated safe to invest Sbi advantage Icici pru opportunities????
Ans: Unrated funds, like SBI Balanced Advantage and ICICI Pru Opportunities, lack official ratings from agencies. This doesn't necessarily mean they are bad options. It simply means they haven't been evaluated by rating agencies yet. This could be due to the funds being relatively new or less popular.

Risks and Considerations
Higher Risk
Unrated funds come with higher uncertainty. They do not have a track record to assess their performance and risk profile. This makes it challenging to predict their future performance.

Potential Rewards
Despite the higher risk, unrated funds can offer potential rewards. New funds often aim to attract investors by performing well initially. However, this is not guaranteed and requires careful consideration.

Investing in Funds with Better Track Records
Proven Performance
It is advisable to invest in funds with a proven track record. These funds have historical data showing how they perform in different market conditions. This provides more confidence in their future performance.

Stability and Reliability
Funds with better track records have demonstrated their ability to manage market volatility. They offer more stability and reliability, which is crucial for long-term investment goals.

Active vs. Index Funds
Benefits of Actively Managed Funds
Actively managed funds can outperform the market. Skilled fund managers make strategic decisions based on market conditions. This can lead to higher returns, especially in volatile markets.

Regular vs. Direct Funds
Advantages of Regular Funds
Investing through a Certified Financial Planner (CFP) provides professional guidance. CFPs help with fund selection and portfolio management. This ensures your investments align with your financial goals.

Final Insights
Investing in unrated funds like SBI Balanced Advantage and ICICI Pru Opportunities carries higher risk due to the lack of track record. It is generally safer to invest in funds with proven performance and a stable track record. Consulting with a Certified Financial Planner can help you make informed decisions and build a diversified portfolio.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4992 Answers  |Ask -

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

Asked by Anonymous - Jun 14, 2024Hindi
I am 30, married 2 years back. I earn around 1.08 lacs and wife earns around 70k. House rent is 30k. Car rent is 18k pending for 4 years more.Have almost no savings just emergency fund of 3L. Invest only in MF 18k pm and LIC 5k per month. Give 30-40k to parents monthly. Possible to generate 2 cr in 15 years? If yes then pls suggest
Ans: Current Financial Situation

You and your wife have a combined monthly income of Rs. 1.78 lakhs. Your monthly expenses include house rent of Rs. 30,000 and car rent of Rs. 18,000 for the next four years. You have an emergency fund of Rs. 3 lakhs and invest Rs. 18,000 per month in mutual funds and Rs. 5,000 per month in LIC. Additionally, you provide Rs. 30,000 to Rs. 40,000 to your parents monthly.

Goal Assessment

You aim to generate Rs. 2 crores in 15 years. This is achievable with disciplined savings and strategic investments.

Income and Expenses Analysis

Your combined income is Rs. 1.78 lakhs per month. After deducting rent (Rs. 48,000) and parental support (Rs. 30,000 to Rs. 40,000), you have around Rs. 1 lakh left for other expenses, savings, and investments.

Current Investments

Mutual Funds: Rs. 18,000 per month
LIC: Rs. 5,000 per month
Investment Strategy Recommendations

Increase Monthly Savings

Try to increase your savings rate. Even a small increase in monthly savings can significantly impact your long-term goals.

Maximise Mutual Fund Investments

Continue with your mutual fund investments. Consider increasing the amount gradually. Mutual funds, especially equity funds, can offer higher returns over the long term.

Review LIC Policy

Review your LIC policy. If it is not yielding good returns, consider surrendering it. Reinvest the amount in mutual funds. Consult a Certified Financial Planner before making any decisions.

Emergency Fund

Maintain your emergency fund. Ensure it covers 6-12 months of expenses. This fund should be in a liquid or easily accessible account.

Debt Management

Car rent will continue for four more years. Once completed, redirect this amount to your savings and investments. Reducing debt will free up more funds for investments.

Retirement and Contingency Planning

Consider investing in a mix of equity and debt funds for a balanced portfolio. Consult a Certified Financial Planner to tailor this mix to your risk tolerance and goals.

Action Plan to Achieve Rs. 2 Crores

Increase Mutual Fund SIPs: Gradually increase your monthly SIPs in mutual funds. Aim to invest a higher portion of your surplus income.

Review Insurance Needs: Ensure you have adequate health and life insurance coverage. Review and adjust your policies as needed.

Long-term Investments: Focus on long-term equity investments. These can provide higher returns compared to other instruments.

Monitor and Rebalance Portfolio: Regularly review your portfolio. Rebalance it to align with your financial goals and market conditions.

Lifestyle Adjustments

Control Discretionary Spending: Reduce unnecessary expenses. This will help you save more.

Joint Planning with Spouse: Work together with your spouse on financial planning. Joint efforts can amplify your savings and investments.

Final Insights

Achieving Rs. 2 crores in 15 years is possible. Increase your savings and strategic investments. Regularly review and adjust your financial plan. Consult a Certified Financial Planner for personalised advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4992 Answers  |Ask -

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

Asked by Anonymous - Jul 13, 2024Hindi
I am 41 years old , with In-hand salary of 1.26L , Wife salary 79K , Home loan remaining 22 Laks for 11 years , Started Saving recently in Mutual Funds with Target of 40-50K investment per month , Invested 40K in HDFC small cap fund direct , Quant Focused 30K , Quant infrastructure 35K , quant small cap 60K , 50K in Quant ELss. Please suggest the Investment proportion and suggestive investment amount for comfortable retirement and Child Higher education
Ans: Overview of Current Financial Situation
You are 41 years old with an in-hand salary of Rs. 1.26 lakhs and your wife earns Rs. 79,000. You have a home loan balance of Rs. 22 lakhs for 11 years. You have recently started investing in mutual funds with a target of Rs. 40-50k per month. Your current investments are:

Rs. 40k in a small cap fund
Rs. 30k in a focused fund
Rs. 35k in an infrastructure fund
Rs. 60k in a small cap fund
Rs. 50k in an ELSS fund
Investment Proportion Analysis
Your portfolio is heavily skewed towards small cap and sector-specific funds. This strategy can be risky. Diversification is essential to balance risks and returns. Consider a mix of large cap, mid cap, and hybrid funds. This approach provides stability and growth.

Actively Managed Funds
Actively managed funds can offer higher returns compared to index funds. Fund managers use expertise to navigate market conditions. This advantage can outweigh the typically higher expense ratios.

Regular vs Direct Funds
Investing in regular funds through a Certified Financial Planner (CFP) has benefits. CFPs offer professional advice, ongoing support, and portfolio adjustments. This guidance can help you achieve your financial goals effectively. Direct funds lack this personalized service and can be challenging to manage alone.

Suggested Investment Allocation
Large Cap Funds
Large cap funds provide stability. Allocate 25-30% of your monthly investment here. They are less volatile and offer steady returns over time.

Mid Cap Funds
Mid cap funds offer a balance between risk and return. Allocate 20-25% here. They have the potential for higher growth compared to large caps.

Balanced or Hybrid Funds
These funds combine equity and debt. They provide a cushion against market volatility. Allocate 15-20% of your investments in hybrid funds.

Small Cap and Sectoral Funds
Limit your exposure to small cap and sectoral funds to 20-25%. They can be volatile and should be balanced with more stable investments.

ELSS Funds
ELSS funds offer tax benefits under Section 80C. They also provide growth opportunities. Allocate 10-15% here, considering your tax-saving needs.

Monthly Investment Plan
Given your target of Rs. 40-50k per month, here is a suggested allocation:

Large Cap Funds: Rs. 10-12k
Mid Cap Funds: Rs. 8-10k
Balanced or Hybrid Funds: Rs. 6-8k
Small Cap and Sectoral Funds: Rs. 8-10k
ELSS Funds: Rs. 6-8k
Planning for Retirement and Child's Education
Retirement Planning
Estimate your retirement corpus based on your current lifestyle. Aim for a corpus that can sustain you comfortably. Consider inflation and rising expenses. Start a systematic investment plan (SIP) in diversified funds. Regular reviews with a CFP can keep your plan on track.

Child's Higher Education
Calculate the future cost of education. Consider inflation and rising fees. Start an SIP in diversified funds focused on education goals. ULIPs or other insurance-linked investments may not be ideal. Mutual funds offer better returns and flexibility.

Final Insights
Your current investment strategy is aggressive. Balancing it with large cap and hybrid funds will reduce risk. Investing regularly and reviewing your portfolio periodically is crucial. Consult a Certified Financial Planner for tailored advice. This ensures your goals of comfortable retirement and child's education are met.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |4992 Answers  |Ask -

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

Hello Sir I am Naveen and i am 31 years old, I am planning to retire at the age of 50 with 5 Cr and monthly income 1 L My Investment is PPF 400000 ULIP 250000 FD 100000 EPF 300000 NPS 200000(every year 50000 ) Stock 800000 MF 700000 Child plan Own house, taken Health insurance 20 L and Term insurance 1 Cr . Please advise me how much i need to increase my investment for my better retirement
Ans: Assessment of Current Financial Situation

You have diversified your investments across various financial instruments. Your goal to retire at 50 with Rs. 5 crore and a monthly income of Rs. 1 lakh is achievable with proper planning.

Current Investments

PPF: Rs. 4,00,000
ULIP: Rs. 2,50,000
FD: Rs. 1,00,000
EPF: Rs. 3,00,000
NPS: Rs. 2,00,000 (Rs. 50,000 yearly)
Stock: Rs. 8,00,000
Mutual Funds: Rs. 7,00,000
Child Plan: Amount not specified
Own House
Health Insurance: Rs. 20 lakh
Term Insurance: Rs. 1 crore
Financial Goals Analysis

Your goal requires disciplined saving and strategic investments. Let’s evaluate each aspect:

Public Provident Fund (PPF)

PPF is a safe investment. It offers tax benefits and guaranteed returns. However, its limit restricts the amount you can invest yearly.

Unit Linked Insurance Plan (ULIP)

ULIP combines insurance and investment. It may not be the best for high returns. Consider reviewing its performance and charges.

Fixed Deposit (FD)

FDs provide security but lower returns. Inflation can erode their value. Consider keeping only a portion in FDs.

Employees' Provident Fund (EPF)

EPF is a stable option for long-term savings. It provides decent returns and tax benefits. Continue contributing.

National Pension System (NPS)

NPS is beneficial for retirement. It offers market-linked returns and tax benefits. Your current contribution of Rs. 50,000 yearly is good.

Stock Market

Stocks can yield high returns but come with risks. Regularly review and rebalance your portfolio. Diversify to mitigate risks.

Mutual Funds

Mutual funds are good for wealth creation. Choose funds based on your risk appetite. Consider consulting a Certified Financial Planner for advice on fund selection.

Child Plan

Ensure the plan meets your child’s future education needs. Evaluate its performance and adjust if necessary.

Health and Term Insurance

You have sufficient coverage. Ensure to review and increase if needed with inflation.

Additional Investment Recommendations

To achieve your retirement goal, you need to increase investments. Here’s how:

Increase Mutual Fund Investments

Mutual funds offer potential for high returns. Increase SIPs in diversified equity mutual funds. Consult a Certified Financial Planner to choose the best funds.

Review and Adjust ULIP

Evaluate the charges and performance of ULIPs. If returns are low, consider surrendering and reinvesting in mutual funds. Consult a Certified Financial Planner for advice.

Maximize NPS Contributions

Increase your NPS contributions. It will enhance your retirement corpus and provide tax benefits.

Invest in Stocks Wisely

Continue investing in stocks. Diversify across sectors and regularly review. Stay updated with market trends.

Emergency Fund

Maintain an emergency fund. Ensure it’s 6-12 months of your expenses. Park it in liquid funds for easy access.

Retirement Corpus Calculation

Without specific calculations, aim to increase your investments by 10-15% annually. This will help you reach your Rs. 5 crore goal.

Final Insights

Your current investment strategy is strong. However, regular review and adjustments are crucial. Consult a Certified Financial Planner for personalized advice. Stay disciplined and focused on your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more

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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