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Moneywize

Moneywize   |174 Answers  |Ask -

Financial Planner - Answered on Mar 19, 2024

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Asked by Anonymous - Mar 18, 2024Hindi
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I am retired(62 yrs) settled in Dehradun. I have a fund of Rs 3 crore. How do i invest this money so that i get Rs 80,000 per month immediately. Please help.

Ans: Generating a monthly income of Rs 80,000 from a principal of Rs 3 crore might be difficult to achieve through safe investment options alone. Here's a rough calculation to consider:

Assuming a monthly return on investment (ROI) of 2.67%, you would need your investment to generate this amount. However, most safe investment options, like fixed deposits (FDs) or debt funds, typically offer lower ROIs.

Here's why achieving a 2.67% monthly ROI might be challenging:

• Safe investment options: These typically offer lower ROIs in the range of 5-6% annually. This translates to a monthly ROI of around 0.4% to 0.5%, much lower than the desired 2.67%.
• Market-linked investments: Some investments like stocks or mutual funds offer the potential for higher returns but also carry a higher degree of risk. You may need a carefully crafted investment strategy to achieve the desired return while managing risk.

Important to consult a financial advisor:

Given your retirement status and financial goals, it's crucial to consult a financial advisor. They can assess your risk tolerance and create a personalised investment plan that considers your income needs and future goals. Here's what a financial advisor can do for you:

• Risk assessment: They will evaluate your comfort level with risk and recommend investments accordingly.
• Asset allocation: They will suggest an asset allocation strategy that balances risk and potential returns. This might include a mix of debt and equity investments.
• Tax planning: They can help you structure your investments in a tax-efficient manner.

Remember:

• There's a trade-off between risk and return. Higher potential returns often come with greater risk.
• Focus on building a sustainable income stream that aligns with your risk tolerance and financial goals.
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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Moneywize

Moneywize   |174 Answers  |Ask -

Financial Planner - Answered on Feb 08, 2024

Asked by Anonymous - Feb 08, 2024Hindi
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I am retired and aged 62. I have a fund of Rs 3 crore. How do I invest this money so that I get Rs 80,000 per month immediately. Please help.
Ans: To generate a monthly income of Rs 80,000 from a corpus of Rs 3 crore, you'll need to create a portfolio that provides regular income while also preserving the principal amount. Here's a suggested approach:

1. Fixed Deposits (FDs) or Senior Citizen Savings Scheme (SCSS):

Consider allocating a portion of your corpus to fixed-income instruments like FDs or SCSS, which offer stable returns with minimal risk. SCSS is specifically designed for senior citizens and typically offers higher interest rates than regular fixed deposits.

2. Annuity Plans:

You may explore investing a portion of your corpus in annuity plans offered by insurance companies. An annuity plan provides a guaranteed income stream for a specified period or for life, depending on the chosen option.

3. Dividend-Paying Stocks or Mutual Funds:

Invest a portion of your corpus in dividend-paying stocks or mutual funds that focus on dividend yield. While dividends are not guaranteed and may vary, they can provide a regular income stream.

4. Systematic Withdrawal Plan (SWP) from Mutual Funds:

Consider investing in a balanced mutual fund or a debt fund and set up a Systematic Withdrawal Plan (SWP) to withdraw a fixed amount monthly. SWPs allow you to receive regular income while also benefiting from potential capital appreciation.

5. Rental Income from Real Estate:

If feasible, consider investing a portion of your corpus in rental properties to generate rental income. However, be mindful of the associated responsibilities and risks of real estate investment.

6. Immediate Annuity or Pension Plans:

Explore immediate annuity plans or pension plans offered by insurance companies. These plans provide a guaranteed income stream for life or a specified period in exchange for a lump sum investment.

7. Consult with a Financial Advisor:

Given your specific financial situation and requirements, it's advisable to consult with a qualified financial advisor who can assess your risk tolerance, income needs, and overall financial goals to tailor an investment strategy that meets your objectives.

It's essential to strike a balance between generating sufficient income and preserving the principal amount to ensure financial security in the long term. Diversification across different asset classes can also help mitigate risk and enhance overall portfolio stability.

Remember, achieving financial security requires careful planning and a long-term perspective. Aiming for unrealistic immediate returns can significantly increase your risk and jeopardise your future financial well-being.

..Read more

Ramalingam

Ramalingam Kalirajan  |6993 Answers  |Ask -

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

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Hello I have a lump sum cash of 60 lakhs in my hand I have a monthly expenses of 50 -60K how can I invest this money and get the monthly income
Ans: Having ?60 lakhs as a lump sum is a strong financial position. With monthly expenses of ?50,000 to ?60,000, you need to generate a reliable monthly income. Let's explore investment options to achieve this goal while considering safety, returns, and liquidity.

Assessing Your Financial Goals
Before diving into specific investments, it's essential to clarify your goals:

Generate Regular Monthly Income: Ensure your expenses are covered.

Preserve Capital: Maintain the principal amount as much as possible.

Growth Potential: Allow for some growth to keep up with inflation.

Diversifying Your Investment Portfolio
A well-diversified portfolio can help balance risk and return. Here’s a strategic allocation for your ?60 lakhs:

1. Debt Instruments for Stability
Fixed Deposits (FDs):

Invest ?15 lakhs in fixed deposits across multiple banks for safety.

FDs offer stable returns with minimal risk.

Debt Mutual Funds:

Allocate ?10 lakhs to debt mutual funds.

These funds are less volatile than equities and offer better returns than savings accounts.

Monthly Income Plan (MIP):

Consider putting ?5 lakhs in Monthly Income Plans.

MIPs primarily invest in debt instruments and a small portion in equities, providing regular income.

2. Equity for Growth
Equity Mutual Funds:

Invest ?10 lakhs in equity mutual funds.

Choose actively managed funds with a good track record.

Equities offer higher returns, helping your portfolio grow.

3. Hybrid Funds for Balance
Balanced or Hybrid Mutual Funds:

Allocate ?10 lakhs to hybrid funds.

These funds invest in a mix of equity and debt, offering balanced risk and return.

4. Conservative Investments for Safety
Senior Citizens' Savings Scheme (SCSS):

If you are 60 or above, invest ?15 lakhs in SCSS.

It provides regular income with good interest rates and safety.

Post Office Monthly Income Scheme (POMIS):

Invest ?5 lakhs in POMIS for steady monthly income.

It’s a secure option with guaranteed returns.

Generating Monthly Income
Systematic Withdrawal Plan (SWP)
Use the SWP option in mutual funds to get a fixed monthly income.

For example, set up an SWP from your debt mutual funds for ?30,000 monthly.

Dividend Payout Option
Opt for mutual funds with a monthly or quarterly dividend payout option.

This provides regular cash flow directly into your account.


Monitoring and Adjusting Your Investments
Regularly review your investments to ensure they meet your income needs and risk tolerance. Consult with a Certified Financial Planner to make necessary adjustments.

Conclusion
By diversifying your investments across debt, equity, and hybrid instruments, you can generate a reliable monthly income while preserving your capital. It's essential to stay informed and flexible, adjusting your portfolio as needed to align with your financial goals and market conditions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6993 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 03, 2024

Asked by Anonymous - Oct 01, 2024Hindi
Money
Age 62 Corpus 1.30 Cr Require 1 Lakh per month how to invest
Ans: At the age of 62, you have accumulated a corpus of Rs 1.30 crore, and you require Rs 1 lakh per month to cover your living expenses. This translates to an annual withdrawal requirement of Rs 12 lakhs. Ensuring that your corpus lasts for the rest of your life while meeting your monthly requirements is a delicate balance. Let’s assess the best investment strategy to achieve this goal.

Assessing Withdrawal Needs
Your corpus of Rs 1.30 crore needs to generate a consistent income of Rs 12 lakhs per year. A sustainable withdrawal rate that prevents your corpus from depleting too quickly is around 6-8%. At a withdrawal rate of Rs 12 lakhs per year, you’re targeting roughly a 9-10% return on your investments. This is feasible but requires a careful balance between risk and return.

Investment Strategy for Regular Income
Debt and Fixed Income Investments
A significant portion of your portfolio should be invested in safer, debt-based instruments. These will provide you with stable returns and protect your capital. Consider allocating 60-70% of your portfolio to the following options:

Senior Citizens’ Saving Scheme (SCSS): This is a safe, government-backed scheme that offers decent returns. It also provides regular payouts to meet your monthly needs.

RBI Floating Rate Bonds: These bonds are safe and provide a regular income that can help cover part of your expenses.

Post Office Monthly Income Scheme (POMIS): This scheme provides steady monthly income and is a low-risk investment option.

Corporate Bonds or High-Rated Debt Funds: While slightly riskier than government schemes, corporate bonds or high-rated debt funds offer higher returns and can be considered for a portion of your investment.

Balanced or Hybrid Mutual Funds
Since you need regular income and want to preserve your capital for the long term, hybrid or balanced mutual funds are ideal. These funds invest in both equity and debt, providing moderate returns with lower risk. Consider allocating 20-30% of your portfolio to:

Aggressive Hybrid Funds: These funds invest about 65% in equities and the rest in debt. They offer growth potential while maintaining some level of safety.

Balanced Advantage Funds: These funds dynamically shift between equities and debt based on market conditions, offering a mix of growth and safety.

Systematic Withdrawal Plan (SWP)
To ensure a regular income stream, you can set up a Systematic Withdrawal Plan (SWP) in your mutual fund portfolio. This will allow you to withdraw a fixed amount every month while the remaining corpus continues to grow. SWPs from balanced or hybrid funds can help you generate income and offer some capital appreciation over time.

Inflation and Rising Expenses
One of the key challenges in retirement planning is inflation. While your expenses are Rs 1 lakh per month today, they will likely increase over time. Therefore, it’s important to invest in instruments that can offer growth above inflation. This is where equity investments come in.

Equity Exposure for Long-Term Growth
To counter the effects of inflation, a small portion of your corpus should be invested in equity mutual funds. Consider allocating 10-15% of your portfolio to equity mutual funds. These funds will help grow your corpus and ensure you don’t run out of money in the long term. Focus on:

Large-Cap Equity Funds: These funds are relatively stable and invest in established companies, offering consistent long-term returns.

Dividend Yield Funds: These funds invest in companies that regularly pay dividends, providing you with an additional income stream.

Emergency Fund
Given your need for regular income, it’s important to have an emergency fund. Set aside 6-12 months of expenses in a liquid form, such as a savings account or short-term FD. This will ensure you don’t have to dip into your investments for unforeseen expenses.

Tax Implications
Tax planning is crucial, especially when withdrawing from your corpus. Here’s a brief overview of taxation on mutual funds:

Equity Mutual Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Mutual Funds: LTCG and STCG are taxed as per your income tax slab.

By withdrawing strategically using an SWP, you can reduce your tax liability and ensure efficient tax management.

Final Insights
At 62, preserving your capital while generating regular income is essential. A diversified portfolio of debt instruments, balanced mutual funds, and a small exposure to equity can help you achieve your goal of generating Rs 1 lakh per month. Focus on:

Allocating 60-70% to debt instruments for stable, regular income.
Investing 20-30% in hybrid mutual funds for growth and safety.
Allocating 10-15% to equity mutual funds for long-term growth and inflation protection.
Setting up an SWP for monthly withdrawals while allowing your corpus to grow.
Maintaining an emergency fund to cover unforeseen expenses.
By following this balanced approach, you can ensure a steady income throughout retirement and maintain your financial independence.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Ramalingam

Ramalingam Kalirajan  |6993 Answers  |Ask -

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

Money
Hello Sir, I am now 45+ now and investing through sip since last 5 yrs in 1) 3k in sbi small cap, 2) 4k in axis small cap, 3) 3k in nippon small cap, 4) 4k in mirea asset emerging bluechip, 5) 6k in hdfc mid cap, 6) 4k in kotak flexi cap, 7) 6k in parag parikh flexi cap, 8) 4k in icici pru value discovery. Risk high and tenure 15-20 yrs for asset allocation. Sir is it necessary to change any fund?
Ans: you have built a diverse SIP portfolio with various equity funds. Your disciplined investment over the last five years shows commitment to wealth building. With a high-risk tolerance and a long-term goal of 15-20 years, let’s take an in-depth look at your fund choices. I’ll provide insights to help you optimise this portfolio further.

Strengths of Your Current Portfolio
Good Diversification: Your portfolio includes funds from small-cap, mid-cap, flexi-cap, and value categories. This spread across segments is a strong approach to capture growth across the market.

Discipline in SIPs: Regular SIP contributions show a systematic approach that will help in rupee-cost averaging. It’s a proven method for long-term investors like you.

High-Risk Appetite: You are investing with a long horizon and high risk tolerance. This aligns well with your fund choices, especially in high-risk categories like small-cap and mid-cap.

Reviewing Small-Cap Fund Exposure
Current Allocation: Your portfolio allocates Rs 10,000 per month to small-cap funds. These funds often offer high growth potential but also come with significant volatility.

Growth Potential: Small-cap funds are beneficial in long-term portfolios due to their high potential for growth. Over 15-20 years, they can contribute significantly to wealth creation.

Suggested Changes: With three small-cap funds, there may be a lot of overlap. You might consider consolidating into one or two well-performing small-cap funds. This will simplify tracking and reduce redundancy.

Examining Mid-Cap and Flexi-Cap Fund Allocation
Mid-Cap Fund Benefits: Mid-cap funds bring a blend of growth and moderate stability. Your allocation here balances the aggressive small-cap investments.

Flexi-Cap Fund Role: Flexi-cap funds invest across large-, mid-, and small-cap stocks. This flexibility allows these funds to adjust according to market conditions, adding a layer of adaptability to your portfolio.

Suggested Changes: Your portfolio has multiple flexi-cap funds, which can lead to overlapping investments. It may be beneficial to reduce your holdings to one high-performing flexi-cap fund for better portfolio efficiency.

Value-Oriented Fund’s Contribution
Role in Stability: The value fund in your portfolio targets undervalued stocks, which tend to be more resilient in market downturns. This can provide balance and act as a buffer against volatility.

Long-Term Benefits: A value-oriented fund adds stability, which is essential as your portfolio matures. The approach of investing in undervalued companies often pays off well over time.

Suggested Changes: Keep this fund as it provides a different investment strategy, enhancing overall diversification.

Importance of Actively Managed Funds Over Index Funds
Higher Potential Returns: Actively managed funds can outperform index funds by selecting high-potential stocks and avoiding weaker sectors.

Limitations of Index Funds: Index funds track the market and have limited potential for excess returns. They cannot adjust to economic shifts like active funds can.

Benefit of Advisor Guidance: Regular funds managed with the help of a Certified Financial Planner (CFP) add value. A CFP can guide you on fund selection and rebalancing, which index funds do not offer.

Advantages of Investing Through a Certified Financial Planner
Personalized Advice: A CFP can help you fine-tune your portfolio to better match your goals, risk profile, and timeline. Direct funds lack this support, making regular funds a better choice for most investors.

Portfolio Monitoring: Regular funds with CFP assistance offer ongoing review and monitoring. This is important for a long-term investment strategy.

Support for Future Adjustments: Market conditions and personal goals evolve over time. Having a CFP ensures you have guidance to adjust your investments accordingly.

Tax Implications on Your Equity Mutual Funds
Equity Mutual Fund Taxation: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Tax-Efficient Withdrawals: Consider planning your withdrawals in a tax-efficient way. For a long-term horizon, tax efficiency will contribute significantly to your net returns.

Impact of New Tax Rules: Understanding tax implications can help you plan more efficiently for your post-retirement withdrawals, minimising tax impact on your returns.

Recommendations for Portfolio Optimization
Reduce Fund Overlap: Your portfolio has multiple funds in similar categories. Streamlining these will make the portfolio easier to manage and reduce redundancies.

Consider Asset Rebalancing: Review your portfolio’s asset allocation every two to three years. As you near retirement, adding some low-risk debt or balanced funds could provide stability without sacrificing growth.

Explore the Benefits of Balanced Funds: Over time, a small allocation to balanced funds could help mitigate volatility as you approach retirement age. These funds offer a mix of debt and equity, which balances risk and growth.

Final Insights
Your disciplined approach to SIPs and fund selection shows a strong foundation for future growth. Simplifying your fund categories and reducing overlap can improve efficiency and returns. Working closely with a CFP will ensure that your portfolio remains aligned with your goals over time, providing you with the guidance needed for adjustments as markets evolve.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |6993 Answers  |Ask -

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

Money
Sir please review my mutual fund sip portfolio * Axis Mid Cap Fund - Direct Growth = 1000 * ICICI Prudential BHARAT 22 FOF - Direct Plan = 1000 * Mirae Asset Emerging Bluechip Fund - Direct Plan = 1000 * Parag Parikh Flexi Cap Fund - Direct Plan = 1000 * quant Small Cap Fund - Direct Plan Growth = 1000 * SBI Small Cap Fund Direct Growth = 2000 * SBI PSU direct plan growth = 1000 My age is 27 . Looking a long term investment with higher return. Shall I continue this portfolio or any changes required? Kindly give your valuable suggestions . Thank you
Ans: Your portfolio looks well-constructed, with a strong foundation in mid-cap, small-cap, and flexi-cap funds. Each fund you've chosen reflects a strategic approach for growth. Let's evaluate each category and make any necessary suggestions to ensure you achieve the best potential returns over the long term.

Overview of Your Current Portfolio
You’ve diversified well across categories, with each fund serving a unique role. Let’s analyze the strengths and potential improvements in each area of your portfolio.

Mid-Cap Funds
Mid-cap funds, like the one in your portfolio, focus on companies with substantial growth potential but higher risk compared to large-cap companies. Over the long term, these funds often outperform due to their growth-focused nature.

However, consider monitoring this fund periodically. Mid-cap stocks can face higher volatility, which may impact returns if held solely without re-evaluation.

Small-Cap Funds
Small-cap funds are growth-oriented, targeting smaller companies with significant room for expansion. You’ve allocated well to this category, focusing on funds with robust track records.

Due to their volatile nature, however, they can experience sharp swings. A Certified Financial Planner can offer guidance to rebalance if necessary, which could enhance returns and help you avoid undue risk over the long term.

Flexi-Cap Funds
Flexi-cap funds have the flexibility to invest across large, mid, and small-cap companies, making them versatile. This allocation ensures that you have exposure to high-growth stocks while benefiting from the stability of large-cap stocks.

This type of fund aligns well with your long-term goal as it can balance risk across market cycles. Continue with this allocation for stable yet high-growth potential.

Sectoral Funds (Public Sector & PSU Funds)
Sectoral funds focused on PSUs add a thematic angle to your portfolio, providing exposure to government-linked companies. Such funds may perform well during economic growth phases or government-led initiatives but might also experience phases of underperformance.

For long-term investors like you, relying heavily on sectoral funds can add cyclical risk. A diversified equity fund may offer higher long-term growth with less risk than sector-specific investments.

Evaluation of Direct Fund Plans
Sir, investing through direct plans saves on expense ratios, which may seem beneficial at first. However, there are significant drawbacks:

Lack of Advisory Support: Direct plans don't offer professional guidance. Over time, tracking and rebalancing become crucial, and a Certified Financial Planner (CFP) with an MFD (Mutual Fund Distributor) credential ensures optimal management.

Market Cycles and Rebalancing: Without expert oversight, you could miss critical adjustments during volatile market phases, affecting returns. A CFP helps in such rebalancing for better performance.

Tax Implications and Withdrawals: Selling or withdrawing from mutual funds, especially equity funds, incurs tax. Long-term capital gains (LTCG) on equity mutual funds are taxed at 12.5% for gains above Rs 1.25 lakh, while short-term gains (STCG) incur 20%. A regular plan with an MFD provides ongoing tax-efficient strategies.

Opting for regular plans via an MFD with a CFP credential will enable you to maximize returns while accessing insights that make a difference long term.

Suggested Modifications for Higher Returns and Stability
Focus on Balanced Funds Over Sectoral Exposure

To limit risks tied to sectoral funds, consider allocating a portion to balanced or diversified funds. These funds balance equity with stable instruments like debt, reducing volatility and sustaining growth.

Revisit Small and Mid-Cap Allocations

With multiple small-cap and mid-cap funds, consider focusing on one fund in each category. Over-diversification in these can dilute returns and increase tracking requirements. A strategic reallocation could yield more focused, consistent growth.

Consider SIP Step-Up for Long-Term Compounding

An annual SIP step-up, even a small amount, could enhance long-term wealth creation significantly. This adjustment boosts your corpus over time and aligns with your long-term goal of maximizing returns.

Seek Guidance from a Certified Financial Planner

Having a CFP manage your portfolio brings personalized insight into market trends, rebalancing, and tax-efficient strategies. A CFP ensures you capitalize on growth while maintaining balance and tax efficiency.

Key Benefits of Actively Managed Funds Over Index Funds
Sir, I noticed you are not invested in index funds, which is beneficial for your growth objective. Actively managed funds outperform index funds, especially in dynamic market conditions. Here’s why:

Higher Returns Potential: Actively managed funds provide the flexibility to capitalize on changing market opportunities, which index funds lack due to their passive structure.

Adaptive Strategy: Fund managers of actively managed funds adjust to market shifts, providing growth and safety in a fluctuating market.

Downside Protection: During bear markets, actively managed funds can adjust exposure, while index funds simply follow the market downturn. Active management can minimize losses, giving a steadier performance over time.

Final Insights
Sir, you have built a promising portfolio with well-selected funds across categories. A few modifications could ensure a more balanced, growth-oriented, and tax-efficient portfolio. The following adjustments will help you achieve higher returns with sustained stability:

Consider balanced or diversified funds for steadier growth.

Limit mid-cap and small-cap fund overlaps to reduce portfolio complexity.

Use the expertise of a CFP to handle rebalancing, tax efficiency, and market cycle adaptations.

Continue focusing on actively managed funds over index funds, as these provide better long-term value.

Through these steps, you can optimize your portfolio for maximum growth and stability, setting a strong foundation for your long-term investment goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Anu

Anu Krishna  |1287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024Hindi
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Relationship
Hi Anu Mam Im 27 yrs old ( married) and 10 yrs old daughter. Im seperated from my husband since 2 yrs due to several reasons like he is drinking and Totally addicted to it. And he is totally dependent and now today also roaming on the roads of some streets of hyd. I belongs to an orthdox family. Now the question is one backward caste man who is married age : 33 he is interested in me and proposed me to a marriage after knowing all my past and saying that he accepts my child too. And the thing is he said a lie to me at first that he is unmarried and even though i had a good impression on him about the way he behaves with me he even treat me in a very polite manner. He says he loves me even though i too had a good impression but the things are the castes and can we both settle down with a marriage can we be happy or he is only trying to convince me to get him a wife to care care of him or only for his parents, he always talks about his own sister and also the office colleagues calls them sister and get emotional about them those who left the office. And he cries a lot which i dont trust on him and the face i see him that was not an real cry that looks like an act which i dont like in him. May he is acting ? Or really loving me, ge cares alot i feel like he is over reacting
Ans: Dear Anonymous,
If you are in doubt, then it's highly likely that he is putting on an act. Go with your intuition and hey hey, you said that he is married and so are you...You do realize that you just can't go ahead and marry while you are already to other people, right?
Focus on what's happening in your life; you obviously have to do something about it...Other relationships can wait!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...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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