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23-Year-Old With Monthly Income Of ?49,000: How To Invest ?6,000–8,000 Per Month?

Anil

Anil Rego  | Answer  |Ask -

Financial Planner - Answered on Jul 31, 2024

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more
Harsh Question by Harsh on Jul 28, 2024Hindi
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Dear Nikunj, I am a 23-year-old with a monthly income of ?49,000. I am keen to initiate an investment strategy, allocating ?6,000 to ?8,000 per month, with a gradual increase over time. I currently possess a fixed deposit of ?50,000. Kindly provide guidance on suitable investment goals and strategies.

Ans: Hi,
You are young and have the time to invest for long duration. We advise that you strive to increase your investment to 15-20k per month(less than half your income) over the next 10-15 Years to achieve a good Corpus. You can plan to invest in a mix of Large, Mid & Small-cap funds with a higher allocation to Mid & Small-cap funds.

Best Regards,
Anil Rego,
Founder & CEO,
Right Horizons
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  |9758 Answers  |Ask -

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

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I am a 34-year-old individual with a balance of 1.75 crore INR in my savings account. I have no outstanding debts and am looking to invest this amount wisely. My investment goals are twofold: firstly, to secure 1 crore INR for my daughter's future when she turns 18, and secondly, to generate a monthly income to cover my expenses, which currently amount to 85,000 INR per month. I am willing to allocate my investment across different risk profiles as follows: 25 lakhs INR in high-risk investments, 50 lakhs INR in medium-risk investments, and the remaining 1 crore INR in moderate-risk investments. Could you please advise me on a comprehensive investment strategy considering my goals and risk profile? Specifically, I am seeking guidance on asset allocation, investment vehicles, and any other considerations to achieve both capital growth and income generation.
Ans: Thank you for sharing your detailed financial goals and risk profile. Let's create a comprehensive investment strategy tailored to your needs and preferences. Your primary objectives are to secure Rs 1 crore for your daughter's future and generate a monthly income of Rs 85,000.

1. Understanding Your Financial Goals and Risk Profile
Your investment goals are twofold:

Securing Rs 1 crore for your daughter's future when she turns 18.
Generating a monthly income of Rs 85,000 to cover your current expenses.
You are willing to allocate your investment across different risk profiles:

High-risk investments: Rs 25 lakhs
Medium-risk investments: Rs 50 lakhs
Moderate-risk investments: Rs 1 crore
This diversified approach helps balance potential high returns with stability and safety.

2. Asset Allocation Strategy
Asset allocation is crucial in achieving your financial goals. Here is a recommended strategy:

High-Risk Investments: Rs 25 Lakhs
High-risk investments have the potential for high returns but come with significant volatility. Consider the following options:

Equity Mutual Funds: These funds invest in stocks and have the potential for high returns. Choose actively managed funds with a good track record.

Stocks: Direct investment in stocks of well-researched companies. Focus on growth stocks in emerging sectors.

Sectoral Funds: These funds invest in specific sectors like technology or healthcare, which can offer high growth.

Medium-Risk Investments: Rs 50 Lakhs
Medium-risk investments offer a balance between risk and return. Consider these options:

Balanced Mutual Funds: These funds invest in a mix of equity and debt instruments, providing moderate growth with lower volatility.

Corporate Bonds: Investment-grade corporate bonds offer higher returns than government securities with moderate risk.

Hybrid Funds: These funds invest in a mix of equity and debt, offering a balanced approach to growth and income.

Moderate-Risk Investments: Rs 1 Crore
Moderate-risk investments prioritize safety while providing reasonable returns. Consider these options:

Debt Mutual Funds: These funds invest in government securities, corporate bonds, and other debt instruments, providing stable returns.

Fixed Deposits: Bank fixed deposits are safe and offer guaranteed returns, though the interest rates are lower.

PPF (Public Provident Fund): A long-term investment with tax-free returns and government backing, ensuring safety and moderate returns.

3. Investment Vehicles and Their Benefits
Equity Mutual Funds
Equity mutual funds are managed by professionals who invest in a diversified portfolio of stocks. They offer the potential for high returns over the long term. Actively managed funds tend to outperform passive index funds due to professional management.

Stocks
Direct investment in stocks can be rewarding but requires extensive research and monitoring. Investing in well-established companies with a strong track record can help achieve significant capital appreciation.

Sectoral Funds
Sectoral funds focus on specific industries with high growth potential. These funds can provide high returns if the chosen sector performs well but can also be volatile.

Balanced Mutual Funds
Balanced mutual funds provide a mix of equity and debt, balancing risk and return. They are suitable for medium-risk investors seeking growth with lower volatility.

Corporate Bonds
Corporate bonds offer higher returns than government securities and are less volatile than equities. Investing in high-rated bonds ensures moderate risk with steady returns.

Hybrid Funds
Hybrid funds invest in a combination of equity and debt, providing diversification and balanced growth. They are suitable for medium-risk investors.

Debt Mutual Funds
Debt mutual funds invest in fixed-income securities, offering stability and moderate returns. They are suitable for conservative investors.

Fixed Deposits
Fixed deposits are one of the safest investment options, providing guaranteed returns. They are ideal for risk-averse investors seeking stable income.

PPF (Public Provident Fund)
PPF is a long-term investment option with tax-free returns. It is backed by the government, ensuring safety and moderate returns.

4. Generating Monthly Income
To generate a monthly income of Rs 85,000, consider a combination of the following:

Systematic Withdrawal Plan (SWP): From your debt and balanced mutual funds, you can set up an SWP to withdraw a fixed amount regularly. This provides a steady income while keeping your principal invested.

Dividends from Equity Investments: Dividend-paying stocks and mutual funds can provide a regular income. However, dividends can fluctuate based on company performance.

Interest from Debt Investments: Fixed deposits, corporate bonds, and debt mutual funds provide regular interest income. This can be a reliable source of monthly cash flow.

5. Securing Rs 1 Crore for Your Daughter's Future
To secure Rs 1 crore for your daughter's future, focus on long-term growth investments:

Equity Mutual Funds and Stocks: Allocate a significant portion of the high-risk and medium-risk investments here. Over a long period, equities tend to outperform other asset classes.

Systematic Investment Plan (SIP): Continue or start SIPs in equity mutual funds. SIPs help in averaging out market volatility and build a substantial corpus over time.

Child-specific Mutual Funds: Consider investing in mutual funds designed for children's future needs. These funds have a lock-in period and provide disciplined savings.

6. Review and Rebalance Your Portfolio
Regularly reviewing and rebalancing your portfolio ensures it remains aligned with your goals and risk tolerance. Here are some steps to consider:

Annual Review: Evaluate the performance of your investments annually. Make adjustments based on changes in market conditions and your financial goals.

Rebalancing: Adjust the allocation between high-risk, medium-risk, and moderate-risk investments to maintain your desired risk profile.

Diversification: Ensure your portfolio is diversified across different asset classes to minimize risk and maximize returns.

7. Other Considerations
Emergency Fund
Maintain an emergency fund equivalent to 6-12 months of your expenses. This fund should be easily accessible and invested in liquid instruments like savings accounts or liquid mutual funds.

Tax Planning
Consider the tax implications of your investments. Opt for tax-efficient instruments and strategies to minimize your tax liability. ELSS funds offer tax benefits under Section 80C, while PPF provides tax-free returns.

Financial Education
Stay informed about financial markets and investment options. Continuous learning helps make better investment decisions. Consider consulting with a Certified Financial Planner (CFP) for personalized advice.

Conclusion
You have a substantial amount to invest and clear financial goals. A diversified approach across high-risk, medium-risk, and moderate-risk investments will help you achieve your objectives. Regularly review and rebalance your portfolio to stay on track. Prioritize your daughter's future and your monthly income needs while considering tax efficiency and emergency preparedness.

Investing wisely today secures your financial future and ensures you can achieve your goals with confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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I am a 34-year-old individual with a balance of 1.75 crore INR in my savings account. As of now i do not have other investment also I have no outstanding debts and am looking to invest this amount wisely. My investment goals are twofold: firstly, to secure 1 crore INR for my daughter's future when she turns 18, and secondly, to generate a monthly income to cover my expenses, which currently amount to 85,000 INR per month. I am willing to allocate my investment across different risk profiles as follows: 25 lakhs INR in high-risk investments, 50 lakhs INR in medium-risk investments, and the remaining 1 crore INR in moderate-risk investments. Could you please advise me on a comprehensive investment strategy considering my goals and risk profile? Specifically, I am seeking guidance on asset allocation, investment vehicles, and any other considerations to achieve both capital growth and income generation.
Ans: With your substantial savings and clear goals, you're in a good position to craft a comprehensive investment strategy. Let's delve into a tailored approach.

For securing 1 crore INR for your daughter's future, a mix of moderate to low-risk investments could be ideal. Consider diversified mutual funds, fixed deposits, and possibly some portion in government schemes like PPF or Sukanya Samriddhi Yojana for her education fund. These avenues offer stability and reasonable returns over the long term.

To generate a monthly income of 85,000 INR, we need to focus on income-generating assets.Equity funds can indeed play a significant role in your investment strategy, especially for capital growth. Given your preference for equity, let's adjust the allocation accordingly.

For high-risk investments, you might consider allocating a substantial portion to diversified equity funds or sector-specific equity funds. These have the potential for higher returns over the long term but come with higher volatility.

In the medium-risk category, you can continue to diversify with a mix of balanced funds, which invest in a combination of equities and debt instruments. These can offer a balance between growth and stability.

For moderate-risk investments, you could include large-cap equity funds, which invest in well-established companies with stable earnings. Additionally, consider mid-cap and small-cap equity funds for potential higher returns, albeit with higher risk.

Remember, while equity funds offer growth potential, they also carry market risk. It's crucial to maintain a diversified portfolio across asset classes to mitigate risk.

Consulting with a Certified Financial Planner can help fine-tune your allocation and select the right equity funds based on your risk tolerance and investment horizon. By incorporating equity funds alongside other investment vehicles, you can pursue both capital growth and income generation effectively.

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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

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

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Dear Mr. Kalirajan, My name is Emir, a 20-year-old BCA student in India. I'm fortunate to have discovered a passion for a new field in IT, and thanks to God over the past 10 months, I've begun earning a steady income. In fact, I've managed to save approximately ?40 lakhs in the last 10 months, with a goal of reaching ?55-60 lakhs by December 2024. As I have minimal expenses and a supportive family, I'm eager to explore investment opportunities to grow my savings. I recently spoke with my bank manager, who suggested investing in HDFC Balanced Advanced Fund and SBI Magnum Low Duration Fund. While I've invested a total of ?12 lakhs in these funds and set up a SIP for SBI Small, Mid, Large Combination Fund, I recognize my knowledge gap in the investment landscape. Although trading seems enticing for faster growth, I lack the time to dedicate to it effectively. Having come across your impressive experience in financial planning, I'm reaching out for your guidance. I'm particularly interested in building a portfolio of mutual funds or other suitable options that can generate a passive income of at least ?1 lakh per month as soon as possible. Since I have no immediate need for this money, I'm comfortable with a short term as well as long-term investment horizon (5-10 years or more) and am willing to take calculated risks to achieve my goals. I understand the importance of a personalized approach to financial planning, and I'm eager to learn from your expertise. Could you please recommend suitable investment strategies? Thank you for your time and consideration. Sincerely, Emir
Ans: Emir, your proactive approach to financial planning at such a young age is commendable. Congratulations on your substantial savings and your commitment to reaching your financial goals. Let's chart a course to help you achieve your aspirations.

Understanding Your Goals:

Your goal of generating a passive income of at least ?1 lakh per month is ambitious yet achievable given your sizable savings and willingness to take calculated risks.

Crafting a Diversified Portfolio:

While the funds suggested by your bank manager are reputable, it's essential to diversify your portfolio further to spread risk and optimize returns. Considering your long-term horizon and income objectives, a blend of equity, debt, and hybrid funds might be suitable.

Embracing Equity for Growth:

Equity funds have the potential to deliver significant growth over the long term. Since you're comfortable with a longer investment horizon, allocating a portion of your portfolio (around 60-70%) to diversified equity funds can help capitalize on market opportunities.

Exploring Debt for Stability:

Debt funds offer stability and consistent returns, making them ideal for balancing the risk in your portfolio. Considering your income goals and risk tolerance, allocating around 20-30% of your portfolio to high-quality debt funds like short-term or dynamic bond funds can provide stability.

Emphasizing Hybrid Funds for Flexibility:

Hybrid funds combine the best of both worlds by blending equity and debt instruments. These funds can offer stability while still participating in equity market growth. Allocating 10-20% of your portfolio to balanced or aggressive hybrid funds can enhance diversification and mitigate risk.

Navigating SIPs for Consistent Growth:

Continuing your SIP in SBI Small, Mid, Large Combination Fund is a prudent move, providing you with a disciplined approach to investing and benefiting from rupee cost averaging over time.

Considering Future Opportunities:

As you accumulate additional savings, periodically reassess your portfolio and explore opportunities in real estate investment trusts (REITs), international funds, or thematic funds to further diversify and optimize returns.

Staying the Course with Patience:

While trading may seem tempting for quick gains, it often requires significant time and expertise. By sticking to a well-thought-out investment plan and staying invested for the long term, you can harness the power of compounding and achieve your financial objectives.

In Conclusion:

Emir, by following a strategic investment plan tailored to your goals and risk profile, you're on track to realize your aspirations. Remember, financial planning is a journey, and I'll be here to provide guidance and support every step of the way.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 02, 2024

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Dear Gurus, I am a 23-year-old with a monthly income of ?49,000. I am keen to initiate an investment strategy, allocating ?6,000 to ?8,000 per month, with a gradual increase over time. I currently possess a fixed deposit of ?50,000. Kindly provide guidance on suitable investment goals and strategies.
Ans: Financial Situation Overview

• Your monthly income of Rs. 49,000 is good for your age.
• Planning to invest Rs. 6,000 to Rs. 8,000 monthly is commendable.
• Having a fixed deposit of Rs. 50,000 shows you're saving.




Investment Goals

• Short-term goals: Build emergency fund (3-6 months of expenses).
• Medium-term goals: Down payment for house, higher education, etc.
• Long-term goals: Retirement planning, wealth creation.




Risk Assessment

• At 23, you can take higher risks for better long-term returns.
• Your risk appetite may be high due to fewer responsibilities.
• Consider aggressive growth-oriented investment options.




Asset Allocation Strategy

• Start with 70-80% in equity and 30-20% in debt.
• Gradually reduce equity exposure as you grow older.
• Review and rebalance your portfolio annually.




Investment Options

• Mutual Funds: Good for long-term wealth creation.
• Public Provident Fund (PPF): For tax-saving and steady returns.
• Employees' Provident Fund (EPF): If available through employer.




Mutual Fund Strategy

• Start with a mix of large-cap and mid-cap funds.
• Consider multi-cap funds for diversification.
• Opt for Systematic Investment Plans (SIPs) for disciplined investing.




Tax-saving Investments

• Equity Linked Saving Schemes (ELSS) for tax benefits.
• PPF contributions also qualify for Section 80C benefits.
• National Pension System (NPS) for additional tax benefits.




Emergency Fund

• Keep 3-6 months of expenses in a separate savings account.
• This fund should be easily accessible in case of emergencies.




Insurance Planning

• Get a term life insurance policy for financial protection.
• Opt for health insurance to cover medical emergencies.




Debt Management

• Avoid taking unnecessary loans or credit card debt.
• If you have any high-interest debts, prioritize paying them off.




Financial Discipline

• Track your expenses and create a monthly budget.
• Gradually increase your investment amount as your income grows.
• Avoid unnecessary expenses and focus on saving more.




Skill Development

• Invest in yourself by learning new skills.
• This can lead to higher income and better career prospects.




Regular Review

• Review your investment portfolio every 6 months.
• Adjust your strategy based on changing goals and market conditions.




Finally

• Your early start in investing is praiseworthy.
• Stay disciplined and consistent with your investments.
• Keep learning about personal finance and investment options.
• Consider consulting a Certified Financial Planner for personalized advice.

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

..Read more

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Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

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Sir I got 68676 in comedk Can you suggest good colleges forCSE or CSE specialization
Ans: Ramya, With a COMEDK rank of 68,676 in 2025, you have viable options for admission to reputable engineering colleges in Karnataka for CSE and its specializations. You can confidently secure seats at numerous recognized institutions where the latest cutoffs range between 63,000 and 1,20,000 for core CSE and closely related specializations. Here are 15 colleges where admission is fully feasible: CMR Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Atria Institute of Technology (Bangalore), New Horizon College of Engineering (Bangalore), Dayananda Sagar College of Engineering (Bangalore), BNM Institute of Technology (Bangalore), Sapthagiri College of Engineering (Bangalore), Don Bosco Institute of Technology (Bangalore), AMC Engineering College (Bangalore), Cambridge Institute of Technology (Bangalore), East Point College of Engineering (Bangalore), Gopalan College of Engineering and Management (Bangalore), Rajarajeswari College of Engineering (Bangalore), and Sai Vidya Institute of Technology (Bangalore). These colleges routinely offer CSE and specializations such as Artificial Intelligence, Data Science, and Information Science, all supported by established infrastructure, diverse peer groups, faculty with advanced degrees, recognized accreditations, and campus-level placement cells. Their cut-off history ensures fair seat allocation for your current rank bracket.

Recommendation: Prioritize CMR Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Dayananda Sagar College of Engineering (Bangalore), and BNM Institute of Technology (Bangalore). This order is justified by established NIRF rankings, steady placement percentages (60–90% in CSE streams), modern campus amenities, regular project-based learning, and a proven track record of producing employable graduates across the IT sector in Karnataka and beyond. All the BEST for Admission & a Prosperous Future!

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Asked by Anonymous - Jul 17, 2025Hindi
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My son is getting civil at bits pilani + rmit 2+2 program and cse at vit-ap cat-2 What should we choose
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SIR I should go for HBTU (IT) or IIIT VADODARA DIU CAMPUS (ELECTRONICS)?
Ans: Kritika, HBTU’s Information Technology program consistently records placement percentages between 85–90%, supported by a highly qualified faculty (many with PhDs from IITs and NITs) and a long-standing reputation for producing industry-ready graduates. The campus is equipped with advanced labs, updated digital resources, and maintains strong ties with top recruiters in IT and consulting sectors. Batch sizes are moderate, ensuring quality academic mentoring, and the supportive alumni network promotes career growth. In contrast, IIIT Vadodara Diu Campus (Electronics) is a newer institute, operating from a well-facilitated educational hub, but still developing its industry partnerships and placement support specifically for electronics; recent campus data showcase improving placements but with less consistency, and infrastructure is modern but evolving. The electronics branch here faces greater competition for high-tech positions compared to computer-related domains.

Recommendation: HBTU IT stands out for established placements, recognized industry connections, strong academic culture, and proven output in software-oriented careers. Unless you have a distinct passion for electronics or a compelling reason for preferring a satellite IIIT campus, HBTU IT offers the most reliable outcomes for both learning and employability. All the BEST for Admission & a Prosperous Future!

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My son got IIT Dharwad B.S/M.S Interdisciplinary sciences and BITS Hyderabad Mechanical through BITSAT currently. He may have potential chances of getting NIT Warangal MnC/ECE or IIIT Delhi CSE through DASA. Which one is better in the order of preference
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Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

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Sir I have scored 83 percentile in MHT cet 2025 what are the best college option for me in Mumbai region
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Recommendation: For optimal academic and professional growth, consider Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), and Ramrao Adik Institute of Technology (Navi Mumbai) as the highest-priority choices. These colleges offer robust campus infrastructure, industry recognition, strong placement networks, and a history of producing successful engineering graduates. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

Career
Sir, Which would batter choice between my doughter got EE in vlsi Design at Banasthali vidyapeeth and recently also got CSE in Goverment Mahila Engineering College, Ajmer. Which would better ? Suggest
Ans: Amit Sir, Banasthali Vidyapith’s Electrical Engineering program with a focus on VLSI Design is anchored in a reputed women’s university with A++ NAAC accreditation, robust faculty credentials, industry tie-ups, and consistent placement rates of 90–95% for core branches, often in electronics and automation sectors. Campus infrastructure is comprehensive, research exposure is strong, and students benefit from a national network and notable institutional rankings. Government Mahila Engineering College Ajmer’s CSE branch is part of a government-run, well-recognized institution with modern teaching resources, 80–95% placement rates for computer science in recent years, accessible industry partnerships, and a track record of sending students to reputed recruiters such as Amazon and Microsoft. The Ajmer campus is lauded for its faculty, student activities, digital facilities, and supportive environment, though its national brand is less established than Banasthali’s.

Recommendation: If your daughter is passionate about electronics, VLSI, or hardware-oriented careers, Banasthali Vidyapith offers a stronger national reputation, longstanding placement consistency, and higher institutional ranking. For a broad, flexible technology career in software, Government Mahila Engineering College Ajmer CSE stands out for contemporary opportunities and direct industry links. Both paths assure solid outcomes, but branch preference should drive the final choice. All the BEST for Admission & a Prosperous Future!

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