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Ramalingam

Ramalingam Kalirajan  |3722 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 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
Avinash Question by Avinash on Nov 25, 2023Hindi
Money

Nikunj Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.

Ans: Assessment of Mutual Fund Portfolio and Recommendations:

Your current mutual fund portfolio displays a wide array of funds across different categories, showcasing a diversified investment strategy.

Risk and Return Potential:

Each fund in your portfolio carries its own risk and return potential based on its investment objective, strategy, and underlying assets. Large-cap funds typically offer stability and lower risk, while mid-cap and small-cap funds may provide higher growth potential but come with higher volatility.

Portfolio Review:

Axis Blue-chip Fund: A large-cap fund known for its consistent performance and focus on quality blue-chip stocks.

Canara Robeco Emerging Equites Fund: A mid-cap fund offering exposure to emerging companies with high growth potential.

SBI Blue-chip Direct Plan: Another large-cap fund aiming for stable returns by investing in well-established companies.

ICICI Pru. Technology Direct Plan: A sectoral fund focusing on the technology sector, which can be volatile but offers growth opportunities.

Kotak Emerging Equity Fund: A mid-cap fund suitable for investors seeking higher growth potential with moderate risk.

UTI Flexi Cap Fund: A flexi-cap fund providing flexibility to invest across market capitalizations based on prevailing market conditions.

Nippon India Small Cap Fund: A small-cap fund targeting high-growth companies with the potential for significant capital appreciation.

Mirae Asset Emerging Bluechip Fund: A mid-cap fund known for its consistent performance and focus on quality mid-cap stocks.

Axis Growth Opportunities Fund: A flexi-cap fund offering exposure to companies with high growth potential across sectors.

Parag Parikh Flexi Cap Fund: A unique flexi-cap fund with a global investing approach and focus on value investing principles.

HDFC Index Fund Nifty 50 Plan: An index fund tracking the Nifty 50 index, providing diversified exposure to large-cap stocks.

DSP Flexi Cap Fund: A flexi-cap fund known for its active management style and potential to outperform the market.

Franklin India Opportunities Fund: A one-time investment fund aiming for capital appreciation by investing in a diversified portfolio of equity and equity-related securities.

Important Observation:
However, there seems to be some overlap among funds, and consolidation could streamline your investment approach. Additionally, considering your investment goals and the complexity of managing multiple funds, seeking the assistance of a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) would be beneficial.

Consolidation Benefits:

Simplified Management: Consolidating your investments into a few well-chosen funds can simplify portfolio management, making it easier to monitor and track performance.

Reduced Costs: By consolidating, you can potentially reduce overall expenses associated with managing multiple funds, such as transaction costs and administrative fees.

Enhanced Diversification: While diversification is essential, excessive diversification may dilute returns. Consolidating into fewer funds allows for more focused diversification without compromising on risk management.

Approaching an MFD:

Engaging with a Mutual Fund Distributor (MFD) offers several advantages over direct investing:

Expert Guidance: MFDs are equipped with market knowledge and expertise to provide personalized investment advice tailored to your financial goals and risk tolerance.

Portfolio Optimization: MFDs can help optimize your portfolio by identifying overlapping funds, minimizing redundancy, and recommending suitable alternatives to achieve optimal diversification.

Regular Monitoring: MFDs offer ongoing portfolio monitoring and periodic reviews, ensuring your investments remain aligned with your objectives and market conditions.

Convenience: MFDs simplify the investment process by handling paperwork, transaction execution, and administrative tasks, saving you time and effort.

Access to Research: MFDs have access to research reports, fund performance data, and market insights, enabling informed investment decisions.

Regular vs. Direct Funds:

Investing through an MFD also provides access to regular funds, offering several advantages over direct funds:

Expert Advice: MFDs offer personalized investment advice and ongoing support, guiding you through market fluctuations and helping you stay on track with your financial goals.

Fund Selection: MFDs can recommend funds aligned with your risk profile, investment horizon, and financial objectives, optimizing your investment strategy for long-term success.

Transaction Assistance: MFDs facilitate investment transactions, including SIP registrations, fund switches, and redemptions, ensuring a seamless investing experience.

Cost-Effective: While direct funds may have lower expense ratios, the value-added services provided by MFDs justify any incremental costs associated with regular funds.

Consolidating your portfolio and partnering with an experienced MFD can help streamline your investment approach, maximize returns, and achieve your long-term financial goals more effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Dev Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.
Ans: Your portfolio reflects a diversified mix of funds across various categories, including large-cap, mid-cap, small-cap, flexi-cap, and sectoral funds. However, having such a wide array of funds may lead to overlap and redundancy in your portfolio.

Here are some suggestions:

Consolidation: Consider consolidating your portfolio by reducing the number of funds. Focus on quality rather than quantity. You can achieve diversification with fewer funds that cover different market segments effectively.
Review Technology Sector Allocation: The allocation to the technology sector through ICICI Pru. Technology Direct Plan seems relatively high compared to other sectors. Ensure that you are comfortable with the risk associated with sector-specific funds and that it aligns with your overall investment strategy.
Assess Performance: Evaluate the performance of each fund regularly to ensure they are meeting your expectations. Monitor factors like fund manager consistency, expense ratios, and portfolio composition.
Long-Term Goals: Assess whether the selected funds align with your long-term financial goals and risk tolerance. Make adjustments if needed to stay on track with your objectives.
As for estimating the corpus after 20 years, it depends on various factors such as the rate of return, investment amount, and market conditions. Since predicting future market performance is uncertain, it's challenging to provide an accurate projection. However, you can use online SIP calculators to get a rough estimate based on assumed rates of return.

Lastly, consider consulting with a financial advisor or planner who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help optimize your portfolio for better performance and alignment with your objectives.

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Ramalingam Kalirajan  |3722 Answers  |Ask -

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

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Vivek Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.
Ans: Evaluation of Monthly SIP Portfolio

Assessment of Current SIP Portfolio:

Your current SIP portfolio consists of a diversified mix of equity funds across various categories, including large-cap, mid-cap, small-cap, flexi-cap, and index funds. Additionally, you have made a one-time investment in an opportunities fund.

Analyzing Fund Selection:

Axis Blue-chip Fund Direct Plan Growth:

Offers exposure to well-established blue-chip companies with a track record of stable performance.
Canara Robeco Emerging Equities Fund:

Focuses on investing in emerging companies with high-growth potential, adding diversification to the portfolio.
SBI Blue-chip Direct Plan:

Provides exposure to large-cap stocks with a history of consistent growth and stable returns.
ICICI Pru. Technology Direct Plan:

Invests in technology-related companies, offering growth opportunities driven by innovation and technological advancements.
Kotak Emerging Equity Fund:

Invests in mid and small-cap companies with the potential for rapid growth, contributing to portfolio diversification.
UTI Flexi Cap Fund:

Provides flexibility to invest across market capitalizations, adapting to changing market conditions.
Nippon India Small Cap Fund:

Focuses on small-cap stocks with high growth potential, suitable for investors with a higher risk appetite.
Mirae Asset Emerging Bluechip Fund:

Invests in emerging companies with strong growth prospects, contributing to portfolio diversification.
Axis Growth Opportunities Fund:

Aims to identify growth opportunities across sectors and market capitalizations, enhancing portfolio returns.
Parag Parikh Flexi Cap Fund:

Offers a balanced approach by investing in Indian and international equities, along with debt securities.
HDFC Index Fund Nifty 50 Plan:

Provides exposure to the top 50 companies listed on the NSE, offering stability and diversification.
DSP Flexi Cap Fund:

Offers flexibility to invest across market caps and sectors, capitalizing on emerging opportunities.
Franklin India Opportunities Fund:

Represents a one-time investment in an opportunities fund, which aims to capitalize on market inefficiencies.
Recommendations:

Review Fund Performance:

Evaluate the performance of each fund in your portfolio based on historical returns, risk-adjusted metrics, and consistency.
Assess Diversification:

Ensure adequate diversification across fund categories, sectors, and market capitalizations to mitigate risk.
Monitor Expense Ratios:

Keep an eye on expense ratios of funds to ensure they are reasonable and not eroding your returns over time.
Consider Rebalancing:

Periodically review your portfolio and consider rebalancing if any fund's allocation deviates significantly from your original asset allocation.
Projected Corpus after 20 Years:

The corpus generated after 20 years would depend on various factors, including the performance of individual funds, market conditions, and economic factors.
While it's challenging to predict exact returns, a well-diversified portfolio with exposure to equity funds can potentially generate attractive returns over the long term.
Conclusion:

Your current SIP portfolio appears well-structured, with diversification across fund categories and investment styles. However, regular monitoring and periodic reviews are essential to ensure alignment with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |3722 Answers  |Ask -

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

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Kirtan Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.
Ans: Your current SIP portfolio showcases a diversified mix of funds across various categories, including large-cap, mid-cap, small-cap, flexi-cap, and index funds. Each fund serves a specific purpose and contributes to the overall diversification of your portfolio.

To determine whether you should continue with these funds, consider the following:

Fund Performance: Evaluate the past performance of each fund, considering factors like consistency, returns generated, and volatility. Monitor how the funds have performed relative to their benchmarks and peer group.
Fund Objectives: Assess whether the objectives of each fund align with your investment goals and risk tolerance. Ensure that the funds you've chosen are suitable for your financial objectives and time horizon.
Portfolio Rebalancing: Periodically review your portfolio and rebalance if necessary to maintain your desired asset allocation and risk profile. Consider reallocating funds from underperforming or overlapping funds to better-performing ones.
Regarding the corpus generated after 20 years, predicting exact returns is challenging due to market uncertainties. However, you can use online calculators or consult with a financial advisor to estimate the potential corpus based on your monthly SIP amounts, expected returns, and investment duration.

Remember, investing is a long-term journey, and staying disciplined, diversified, and informed is key to achieving your financial goals. Consider seeking advice from a Certified Financial Planner for personalized guidance tailored to your specific circumstances and objectives.

..Read more

Ramalingam

Ramalingam Kalirajan  |3722 Answers  |Ask -

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

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Ulhas Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.
Ans: Assessment of Monthly SIP Portfolio for Long-term Growth

Portfolio Overview:

Your monthly SIP portfolio consists of a diverse mix of funds across different categories, reflecting a balanced investment approach. Here's an analysis of each fund:

Axis Blue-chip Fund Direct Plan Growth:

Investing in blue-chip companies offers stability and long-term growth potential.
This fund provides exposure to established companies with strong fundamentals.
Canara Robeco Emerging Equities Fund:

Emerging equities funds focus on mid-cap and small-cap companies with high growth potential.
These funds are suitable for investors with a higher risk appetite seeking capital appreciation.
SBI Blue-chip Direct Plan:

Blue-chip funds invest in well-established companies with a track record of consistent performance.
This fund aims for stable returns over the long term, suitable for conservative investors.
ICICI Pru. Technology Direct Plan:

Technology funds focus on the IT sector, offering exposure to high-growth companies.
These funds are volatile but can provide substantial returns over the long term.
Kotak Emerging Equity Fund:

Similar to the Canara Robeco fund, this fund targets mid-cap and small-cap segments for growth.
Mid-cap and small-cap funds offer higher growth potential but come with increased risk.
UTI Flexi Cap Fund:

Flexi-cap funds have the flexibility to invest across market capitalizations based on market conditions.
These funds offer diversification and adaptability to changing market trends.
Nippon India Small Cap Fund:

Small-cap funds focus on companies with a small market capitalization, offering high growth potential.
These funds are suitable for aggressive investors willing to bear higher volatility.
Mirae Asset Emerging Bluechip Fund:

Emerging blue-chip funds invest in mid-cap companies with the potential to become future blue-chip stocks.
This fund combines growth potential with relatively lower risk compared to pure small-cap funds.
Axis Growth Opportunities Fund:

This fund aims to identify growth opportunities across sectors and market capitalizations.
It provides diversification and exposure to different segments of the market.
Parag Parikh Flexi Cap Fund:

Flexi-cap funds invest across market capitalizations and sectors based on the fund manager's discretion.
This fund follows a well-defined investment philosophy and offers diversification benefits.
HDFC Index Fund Nifty 50 Plan:

Index funds aim to replicate the performance of a benchmark index like Nifty 50.
They offer low expense ratios and passive management, suitable for investors seeking market returns.
DSP Flexi Cap Fund:

Similar to other flexi-cap funds, this fund provides flexibility in asset allocation.
It allows the fund manager to capitalize on opportunities across market segments.
Franklin India Opportunities Fund:

This fund aims for capital appreciation by investing in companies with growth potential.
One-time investment in this fund provides diversification and exposure to different sectors.
Portfolio Assessment:

Your SIP portfolio reflects a well-diversified strategy with investments across large-cap, mid-cap, small-cap, sectoral, and index funds. This diversified approach helps spread risk and capture growth opportunities across market segments.

Recommendations:

Review and Monitor: Regularly review the performance of individual funds and rebalance the portfolio if necessary.
Risk Management: Assess your risk tolerance periodically and adjust your asset allocation accordingly.
Goal Alignment: Ensure that your investment strategy aligns with your financial goals and investment horizon.
Stay Informed: Keep yourself updated with market developments and fund performance to make informed investment decisions.
Projected Corpus:

It's challenging to predict the exact corpus after 20 years due to market fluctuations and other variables. However, with disciplined investing and a diversified portfolio like yours, you can potentially achieve significant wealth accumulation over the long term.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |3722 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

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Res. Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.
Ans: Based on your current SIP investments, it seems you have a diversified portfolio covering various categories like large cap, mid cap, small cap, and flexi cap funds. It's a good strategy for long-term wealth creation.

Regarding the fund selection, most of the funds you've chosen are reputable and have performed well historically. However, it's essential to regularly review your portfolio's performance and make adjustments if necessary. Consider consulting with a financial advisor to ensure your investments align with your financial goals and risk tolerance.

To estimate the corpus generated after 20 years, we need to consider factors like the expected rate of return and the total amount invested. Assuming an average annual return of around 10%, the corpus can be calculated using investment calculators or financial planning tools available online. However, it's crucial to remember that past performance does not guarantee future results, so periodic reviews and adjustments to your investment strategy are essential.

..Read more

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Asked by Anonymous - May 07, 2024Hindi
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Relationship
Hi I am a 35-year-old woman and my husband is 45. we are made for each other couple. we love each other and we do not have any compatibility issues except in romance. he is not very romantic and even throughout my younger years I was also not very romantic and immersed myself in studies and career. He is not very active in sex also. A few years back I told him that I wanted to be romantic after marriage and now we are not, so I missed my college and early office days when I was in my prime and could have been romantically involved with guys. Since I look very young even at 35, he suggested that I still can move around with guys and get romantic and I need not miss anything even now. though initially declining the offer, I moved a little freely toward men, mostly colleagues, and a few social club members. I encouraged late-night messages, coffee meets, movies, etc. I update my husband on every single event that happens. ex, if I went to a movie with a colleague, I will message my hubby " We kissed", if that happened. he encourages me so much and is happy with whatever is happening, cutting a long story short. though I didn't think it would go so far, I am now romantically very active. soft romance-like messages I do with many. Dating I don't say no to my known circle like colleagues, ex-colleagues, college mates, etc and almost 2-3 times a week I end up dating someone in a coffee shop, pub, or a long drive. A few times I initiate a date too. and I must confess that I have regular intimacy with four young men, all from the same office where I work. I have never hidden anything from my hubby and give a complete account every day. I offered to stop everything any moment he said. but he told me till age is there enjoy life!. I am emotionally connected to my husband only and I do all my responsibilities as a woman. Our relationship has grown manifold. My only question is, am I exploiting my husband's innocence or does he have a cuckold fantasy? If I continue the way I continue with no harm to anyone, can I keep doing it ( I love to). or I should stop at once?
Ans: Dear Anonymous,

After reading your question I understood that your partner and you have, what we call, an open relationship. As long as both partners are okay with the dynamics of it, and no one is emotionally hurt, or resisting, it should be okay. It isn't exploitation if your husband himself encourages you. You are both consenting adults and not harming each other or anyone else. As for your question, if he has a cuckold fantasy, that is something you should discuss with your husband. An open discussion is better than speculation. Also, at any time if you suspect that your husband is growing concerned about the nature of your relationship, ask him directly. It can help avoid misunderstandings.


Best Wishes

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Hello sir mai 28 year ki hoo mai abhi llb kar rahi hoo mai last 7 year se relationship mai hoo vo mujse 25 year bade hai saruaat 1 to 2 year inhone muje bhot priorities di ab hum 3 to 4 month mai kabhi milte hai hum dono alag alag city mai hai unki bhot badi family hai or finincially bhi problem chal rahi hai last 3 yaer se vo.muje priority nai de rahe hum.roj bat karte hai vo mera khyal bhi rakhte hai lekin muje unse ab dur nai hona mene sadi na karne ka decisions Liya hai lekin kitni bar bhot akela feel karti hoo vo muje itna time nai dete phele jaisa nai hai aisa lagta hai.fir vo ku6 help kar de ya pyar se bat bhi kar le.to.lagta hai sab theek hai mai.bhot confused hoo mai.kya karu muje kya karna chahiye ..
Ans: Dear Anonymous,

Dating someone older than you is not the problem, but the fact that you are making major life decisions based on what he wants and doesn't want is concerning. I am guessing that you decided to not get married because he doesn't want it either. Is that fair to you? You yourself mentioned that you often feel lonely. Don't you think you deserve better? Don't you deserve someone who would love you and would like to spend the rest of their life with you? Please reconsider this relationship. Speak to your partner and ask him what his plans are for the future. Does he want to settle down with you? How will you two continue this relationship in the future? There are many important questions that need answering. Sort them out and you will have the solution to your dilemma.


Best Wishes.

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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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