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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Aug 30, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Ravi Question by Ravi on Aug 30, 2024Hindi
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Money

Thank you sir for your time and answer , here is percentage breakup of my investment : i don't know much more about category , while investing to those funds i just saw return i did invested. 31% in Stocks [ +4.69% Return ] last 6 Months 59% in MF [ +13.62% Return ] 10% in FD [+1% Return ] My Goal is to after 10 Year , Monthly Income 1L in my account. Willing to Invest 1L - 2L per month how can i plan like that sir ? please suggest Thank you sir

Ans: Hi Ravi, taking a conservative approach, to generate a 1 Lakh per month income via Mutual Fund SWP's, you will need to have a corpus of around 2 Crore with a SWP at 6%.

Assuming your current investments are able to generate 12% XIRR, you will need to invest around Rs.85,000 every month.

As you willing to invest around Rs.1 Lakh, you should be able to generate the Rs.2 Crore corpus.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |7922 Answers  |Ask -

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

Asked by Anonymous - May 07, 2024Hindi
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Money
Hello Sir, I am 53 years old and started with Investment plans. Currently, my investment breakup is MF: 10K, Equity: 10K, Bank FD: 15K, NPS: 10K, VPF: 10K, PPF: 5K. Will this lead to my goal of 1 CR by retirement at 60Y. Or should I change? Please guide.
Ans: You've taken a proactive step towards securing your financial future by initiating various investment avenues. Let's delve into your current strategy and explore potential adjustments to help you achieve your goal of accumulating 1 crore by retirement at 60 years:
Current Investment Breakdown:
• Mutual Funds (MF), Equity, Bank Fixed Deposit (FD), National Pension System (NPS), Voluntary Provident Fund (VPF), and Public Provident Fund (PPF).
• Your diversified approach reflects a blend of equity, debt, and retirement-focused instruments, showcasing a balanced investment strategy.
Assessment and Recommendations:
1. Goal Alignment: It's commendable that you've set a clear financial goal of accumulating 1 crore by retirement. To evaluate your progress towards this target, consider using a retirement calculator or consulting with a Certified Financial Planner (CFP). They can provide insights into whether your current investment contributions align with your desired corpus.
2. Asset Allocation: Assess your asset allocation across different investment categories to ensure it aligns with your risk tolerance and time horizon. While equity investments and higher-risk instruments like MF and Equity have the potential for significant growth, they also entail volatility. Consider rebalancing your portfolio periodically to maintain an optimal mix of growth and stability.
3. Diversification: Review the diversification within each asset class to mitigate risk and enhance returns. Ensure your MF and Equity investments are spread across different sectors and market caps to minimize concentration risk. Additionally, consider diversifying your debt portfolio beyond traditional instruments like FD, NPS, VPF, and PPF to explore avenues offering potentially higher returns.
4. Regular Review and Adjustments: Periodically review your investment portfolio to track performance, assess market conditions, and make necessary adjustments. As you approach retirement, consider shifting towards more conservative investment options to safeguard your capital and generate stable income streams.
5. Professional Guidance: Consider consulting with a Certified Financial Planner (CFP) to receive personalized advice tailored to your financial goals and risk profile. A CFP can help you optimize your investment strategy, identify areas for improvement, and navigate any challenges or uncertainties along the way.
In summary, while your current investment approach demonstrates a solid foundation, periodic reassessment and adjustments may be necessary to ensure you're on track to achieve your retirement goal of 1 crore. By staying proactive, diversifying prudently, and seeking professional guidance, you can enhance your chances of reaching your financial milestones with confidence.

..Read more

Ramalingam

Ramalingam Kalirajan  |7922 Answers  |Ask -

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

Asked by Anonymous - Jun 03, 2024Hindi
Money
Hello Mam, I am 37 years old working professional, I am investing rs 16,000.00 in SIP per month, break up is 1. PGIM India Midcap opportunities fund -rs 2500, 2. PGIM India flexi cap fund -rs 2500, 3. ITI Multi cap fund -rs. 2500, 4. Aditya Birla sunlife small cap fund growth -rs 1500, 5. Tata flexi cap fund regular growth -rs 3000, 6. Mahindra Manulife large & Mid cap regular growth - rs. 2500, 7. HDFC Mid cap opportunities fund growth - rs. 1500. This investment I am doing since 5 years.i have invested around 10 lakh till date and getting in return approx 17.5 lakhs till date . I want to accumulate 1.5 cr in 10 years. Please suggest me what to do? Need your valuable advice.
Ans: It's great that you are already on a disciplined investment journey through SIPs. You have been investing Rs. 16,000 per month across various mutual funds for the past five years, and it’s impressive to see your portfolio grow from Rs. 10 lakh to Rs. 17.5 lakh. You aim to accumulate Rs. 1.5 crore in the next 10 years, and I’m here to help you with strategies and insights to achieve this goal.

Review of Current Investments
Firstly, congratulations on your disciplined investment approach! Your portfolio has a diverse mix of mid-cap, flexi-cap, multi-cap, small-cap, and large & mid-cap funds. This diversification helps in balancing the risk and potential returns. Your choice of funds indicates a good understanding of market volatility and the potential for growth in different market segments.

Assessing the Current Portfolio
Your current investment of Rs. 16,000 per month has shown a healthy return. However, to achieve Rs. 1.5 crore in 10 years, we need to ensure that your portfolio continues to perform optimally.

1. Portfolio Performance:

Your current portfolio's performance is commendable. However, regular reviews are crucial to ensure continued growth.
2. Diversification:

Your portfolio is well-diversified across different fund categories. This helps in mitigating risks associated with market volatility.
3. Consistency:

Investing regularly through SIPs helps in rupee cost averaging and compounding benefits. Your consistent investment is a key factor in your portfolio's growth.
Enhancing Your Investment Strategy
To meet your target of Rs. 1.5 crore, here are some strategies:

1. Increase SIP Amount:

Consider increasing your SIP amount annually. A 10% annual increase can significantly boost your corpus.
2. Regular Portfolio Review:

Periodically review your portfolio's performance. This will help in identifying underperforming funds and making necessary adjustments.
3. Rebalance Portfolio:

Ensure your portfolio maintains a balance between equity and debt. Equity funds offer higher returns but come with higher risk, while debt funds provide stability.
Power of Compounding
Compounding plays a crucial role in wealth accumulation. The longer you stay invested, the more your money grows. By reinvesting your returns, you can benefit from compounding and achieve your financial goals faster.

Advantages of Mutual Funds
Mutual funds offer several advantages:

1. Professional Management:

Your funds are managed by experienced fund managers who make investment decisions based on research and market analysis.
2. Diversification:

Mutual funds invest in a variety of assets, reducing the risk of significant losses.
3. Liquidity:

Mutual funds offer easy liquidity, allowing you to redeem your investments when needed.
4. Flexibility:

You can choose from a variety of funds based on your risk appetite and investment goals.
Evaluating Fund Categories
1. Mid-Cap Funds:

Mid-cap funds invest in medium-sized companies with high growth potential. These funds can offer significant returns but come with higher risk.
2. Flexi-Cap Funds:

Flexi-cap funds invest in companies across different market capitalizations. They offer flexibility and diversification, balancing risk and return.
3. Multi-Cap Funds:

Multi-cap funds invest in large-cap, mid-cap, and small-cap companies. They provide a balanced approach to investing, reducing risk while aiming for growth.
4. Small-Cap Funds:

Small-cap funds invest in smaller companies with high growth potential. These funds can be volatile but offer substantial returns.
5. Large & Mid-Cap Funds:

These funds invest in both large-cap and mid-cap companies. They offer a blend of stability and growth, making them a good option for long-term investors.
Risks and Mitigation
Investing in mutual funds comes with risks. Here are some common risks and ways to mitigate them:

1. Market Risk:

Diversify your investments to spread risk across different asset classes.
2. Interest Rate Risk:

Balance your portfolio with a mix of equity and debt funds to reduce the impact of interest rate fluctuations.
3. Credit Risk:

Invest in funds with a high credit rating to minimize the risk of default.
4. Inflation Risk:

Choose equity funds that have the potential to outpace inflation over the long term.
Tax Implications
Understanding tax implications is crucial for effective financial planning. Here are some key points:

1. Long-Term Capital Gains (LTCG):

Gains from equity funds held for more than one year are taxed at 10% for amounts exceeding Rs. 1 lakh.
2. Short-Term Capital Gains (STCG):

Gains from equity funds held for less than one year are taxed at 15%.
3. Tax-Saving Funds:

Consider investing in Equity Linked Savings Schemes (ELSS) for tax benefits under Section 80C.
Role of a Certified Financial Planner
A Certified Financial Planner (CFP) can help you navigate the complexities of financial planning. Here’s how a CFP can assist you:

1. Personalized Advice:

A CFP provides tailored advice based on your financial goals and risk appetite.
2. Portfolio Management:

They help in monitoring and rebalancing your portfolio to ensure it aligns with your goals.
3. Tax Planning:

A CFP offers strategies to optimize your tax liabilities and maximize your returns.
Final Insights
Your disciplined approach to investing through SIPs has set a strong foundation for achieving your financial goals. By continuing your SIPs, increasing your investment amount periodically, and regularly reviewing your portfolio, you can work towards accumulating Rs. 1.5 crore in the next 10 years. Remember, the power of compounding, diversification, and professional management are key factors in successful investing.

Stay focused, stay disciplined, and keep investing.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7922 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 07, 2024

Money
Hello Sir, I am 37 years old working professional, I am investing rs 16,000.00 in SIP per month, break up is 1. PGIM India Midcap opportunities fund -rs 2500, 2. PGIM India flexi cap fund -rs 2500, 3. ITI Multi cap fund -rs. 2500, 4. Aditya Birla sunlife small cap fund growth -rs 1500, 5. Tata flexi cap fund regular growth -rs 3000, 6. Mahindra Manulife large & Mid cap regular growth - rs. 2500, 7. HDFC Mid cap opportunities fund growth - rs. 1500. This investment I am doing since 5 years. Till date I have invested 10 lakh and getting in return approx 16.5 lakhs . I want to accumulate 1.5 cr in next 10 years. Please suggest me what to do? Need your valuable advice.
Ans: Thank you for reaching out with your detailed investment query. At 37, you are well on your way to securing a robust financial future. Your disciplined approach to investing Rs 16,000 per month through SIPs is commendable. The growth you’ve experienced so far is a testament to your prudent financial planning. Let’s delve deeper into your current investment strategy and explore ways to achieve your goal of Rs 1.5 crore in the next 10 years.

Current Investment Overview

You have a diverse portfolio comprising seven mutual funds. Here's a brief breakdown:

PGIM India Midcap Opportunities Fund - Rs 2500
PGIM India Flexi Cap Fund - Rs 2500
ITI Multi Cap Fund - Rs 2500
Aditya Birla Sun Life Small Cap Fund Growth - Rs 1500
Tata Flexi Cap Fund Regular Growth - Rs 3000
Mahindra Manulife Large & Mid Cap Regular Growth - Rs 2500
HDFC Mid Cap Opportunities Fund Growth - Rs 1500
Over five years, your Rs 10 lakh investment has grown to approximately Rs 16.5 lakh. This indicates a strong annualized return, reflecting your smart fund choices and market conditions.

Assessing Your Goal

Your target is to accumulate Rs 1.5 crore in the next 10 years. This ambitious goal requires a strategic approach. Let’s break it down:

Time Horizon: 10 years is a substantial period, allowing for significant growth through compounded returns.

Current Portfolio Value: Rs 16.5 lakhs.

Monthly Investment: Rs 16,000.

To reach Rs 1.5 crore in 10 years, assuming an average annual return of 12%, you will need to reassess and possibly adjust your current investments.

Analyzing Your Current Portfolio

Strengths:

Diverse Fund Selection: Your portfolio includes midcap, flexi cap, multicap, and small cap funds, providing balanced exposure.

Consistent Investment: Regular SIP investments help in rupee cost averaging and compounding returns.

Areas of Improvement:

Fund Overlap: Multiple funds from similar categories can lead to overlap, reducing diversification benefits.

Fund Performance Monitoring: Regularly review each fund's performance against benchmarks and peers to ensure they continue to meet your goals.

Optimizing Your Portfolio

1. Evaluate Fund Performance:

Regularly assess the performance of each fund. Compare them against their respective benchmarks and peers. This helps in identifying underperformers.

2. Reduce Fund Overlap:

Holding multiple funds from the same category might dilute the overall returns. Streamline your portfolio by consolidating similar funds, ensuring each fund serves a unique purpose.

3. Focus on Active Management:

Actively managed funds, with skilled fund managers, can potentially outperform the market. They provide opportunities for better returns, especially in volatile markets.

4. Increase SIP Contributions:

To meet your goal, you might need to increase your monthly SIP contribution over time. Even small increments can significantly impact the final corpus due to compounding.

Benefits of Actively Managed Funds

1. Professional Management:

Experienced fund managers actively select stocks, aiming to outperform the benchmark. Their expertise can potentially yield higher returns.

2. Flexibility:

Active funds can adapt to market conditions, allowing fund managers to seize opportunities and mitigate risks more effectively.

3. Personalized Strategies:

Active funds can cater to specific investment strategies, aligning better with your financial goals and risk tolerance.

Disadvantages of Index Funds

1. Limited Growth Potential:

Index funds aim to replicate the performance of a benchmark index, often resulting in average returns. They might miss out on higher gains offered by actively managed funds.

2. No Downside Protection:

During market downturns, index funds fall with the index. Actively managed funds can implement strategies to minimize losses.

3. Lack of Flexibility:

Index funds are bound to their respective indices, lacking the flexibility to adapt to changing market conditions.

Regular vs. Direct Funds

Disadvantages of Direct Funds:

1. Lack of Professional Guidance:

Investing directly requires thorough research and market knowledge. Without a Certified Financial Planner (CFP), making informed decisions can be challenging.

2. Time-Consuming:

Direct investments demand constant monitoring and adjustments, which can be time-consuming for busy professionals.

3. Potential for Errors:

Without professional advice, there's a higher risk of making errors in fund selection and portfolio management.

Benefits of Investing Through a CFP:

1. Expert Advice:

CFPs provide personalized investment strategies, aligning with your financial goals and risk tolerance.

2. Comprehensive Planning:

CFPs offer holistic financial planning, considering various aspects of your financial health, including tax planning, retirement, and insurance.

3. Peace of Mind:

With a CFP, you can invest confidently, knowing your portfolio is in expert hands.

Calculating Future Value

To accumulate Rs 1.5 crore in 10 years, let’s estimate the required SIP amount. Assuming a 12% annual return, we can use the Future Value formula of SIP investments:

FV = P *
(
1
+
????
/
????
)
(
????
????
)

1
(1+r/n)
(
nt)−1 / (r/n)

Where:

FV = Future Value
P = SIP amount
r = annual interest rate (decimal)
n = number of times interest is compounded per year
t = time in years
Given your current monthly SIP of Rs 16,000:

FV = 16000 *
(
1
+
0.12
/
12
)
(
12
\*
10
)

1
(1+0.12/12)
(
12\*10)−1 / (0.12/12)

Let’s calculate this:


FV = 16000 * 2.10585 / 0.01

FV = 16000 * 210.585

FV ≈ Rs 33,69,360

Your current SIP contributions alone might not reach Rs 1.5 crore. Increasing your SIP contributions progressively over the years can bridge this gap.

Strategies to Achieve Your Goal

1. Increase SIP Contributions:

Consider increasing your monthly SIP amount by 10% annually. This incremental approach leverages the power of compounding, significantly boosting your corpus.

2. Regular Portfolio Review:

Monitor your portfolio's performance at least annually. Rebalance your investments based on market conditions and fund performance.

3. Diversify Across Asset Classes:

While equity mutual funds are essential, consider adding debt funds for stability. A balanced portfolio reduces risk and ensures steady growth.

4. Emergency Fund:

Maintain an emergency fund equivalent to 6-12 months of expenses. This ensures you won't need to liquidate investments prematurely in case of unexpected financial needs.

5. Tax Planning:

Utilize tax-saving instruments like ELSS (Equity Linked Savings Scheme) to save taxes and invest for long-term growth.

6. Avoid Emotional Decisions:

Market volatility can trigger emotional decisions. Stay focused on your long-term goals and avoid making impulsive investment changes.

Conclusion

You are on the right path with your disciplined SIP investments. To achieve your goal of Rs 1.5 crore in 10 years, consider optimizing your portfolio, increasing SIP contributions, and maintaining regular reviews. Consulting a Certified Financial Planner can provide personalized strategies and peace of mind. Your commitment and strategic planning will lead to financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Milind

Milind Vadjikar  |996 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 10, 2025Hindi
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Money
I am 51 single, divorced and have one little sister who is 32. Recently I lost my job, and I am not in the mood to search for a new one. I am in the process of making arrangement to fulfill my monthly needs. I am holding the NPS which has a small corpus of 5 lacs in tier 1 and 45k in tier 2. Now I want to completely exit from the NPS. Now I must compulsorily accept the 20% withdrawal and 80% annuity. I have a few queries below. 1. Should I consider buying 100% annuity. 20% withdrawal does not make sense 2. Should I consider putting 1.5 lacs more to enhance the annuity (The corpus will become 7 lacs approx.). 3. Should I consider taking out the annuity on a yearly basis (Please explain Its pros and cons), since it offers more benefit. 4. Should I consider the Shriram life insurance. 5. Will it be safe to consider Shriram life insurance for life long future annuity. It offers the highest annuity. 6. Should I consider Annuity for Life with ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases & 100% of the purchase price will be returned to the nominee(s). The annual offer is 49,063.00 (7.01%) 7. Should I consider Annuity for Life without ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases, and no further amount will be payable. The annual offer is 58,112.00 (8.30%)
Ans: Hello;

Point wise answers to your queries as given below:

1. Yes.
2. Yes.
3. If you do monthly annuity the rate will be lower but you get monthly payouts. In yearly the rate will higher but only one shot payment per year so it depends on your preference.

4. Cannot comment on suitability of xyz firm.

5. Consider an insurer which has good capital adequacy, growing profitable business, preferably listed, reputation of the owner/group apart from decent annuity rates on offer.

6 & 7. My suggestion would be to opt for annuity for life with ROP to your nominee. Ultimately it is your call.

Please have adequate healthcare insurance cover.

Best wishes;

...Read more

Milind

Milind Vadjikar  |996 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 10, 2025

Inderpaul

Inderpaul Singh  |7 Answers  |Ask -

Leadership Coach - Answered on Feb 10, 2025

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I graduated with a BBA in 2022, and since then, I’ve been on a thrilling two-year adventure at an MNC. But guess what? I decided to resign in March 2024 because, you know, who doesn’t love a little drama at work? Now, I’ve managed to burn through all my hard-earned savings like a pro, and here I am, utterly confused about my future. Sometimes I think about leaving India—maybe for studies or just to escape and do some mindless job somewhere. Other times, I dream of retreating to the most remote corner of India and living off the grid. I’ve always been pretty good with technology, snagged a degree, and even racked up some work experience. But now? I’m completely lost on where to start over. I’ve scoured countless articles and advice columns, but they’ve been about as helpful as a chocolate teapot. I’m just looking for that life-changing advice that seems to be in short supply. Turning 24 this year!
Ans: Hello Manan,
My simple advice to you would be to get back to some job while you can continue to ponder over your long term goals/passion/pursuits.
Sitting idle (with no funds) at home won't help & it is not going to do any good to your career/life plans.
Simultaneously you can continue to do introspection & chalk out a proper plan as far your larger life goals are concerned.
Say you earnestly wish to pursue higher studies than you need to get yourself these answers 1) Why you need a higher degree in first place ? 2) Will it help you to get job/career of your choice? 3) If yes, then shortlist some relevant good courses & start exploring admit process etc. 4) Meanwhile do account for funds that will help you to time your break from the job (savings, loans etc.)
Likewise ask yourself questions for each option you have in mind & be honest in responses, that will help you to zero on your real aspiration & then do the proper detailing/planning. This may entail some compromises in short term but will certainly pave your way to achieve long term goals.

Best of Luck!

Major Inderpaul
HR Expert, Life & Relationship Coach

...Read more

Dr Dipankar

Dr Dipankar Dutta  |756 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 10, 2025Hindi
Listen
Career
Hello dear sir, I gave the 12th state board exam in 2024. I have given jee main three attempts I haven't given jee advanced exam yet . I have got less percentage in 12th , So will I have two more attempts for JEE Advanced? after doing 12th from state board and CBSE board?
Ans: Your question is not clear to me. Yes you can give JEE exam three times.

...Read more

Ravi

Ravi Mittal  |526 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 08, 2025
Relationship
Me and my girlfriend we both are in relationship from about last 2 years (almost). After such a long time I got to know that she had 2 relationships before me that too she didn't told I got to know it by third person she was sexually involved too (not intercourse but yes other things with one of them)... When I asked her that why you didn't told anything to me before she said she was scared that if she'll tell it to me so I'll leave her and she really did not wanted that... She was scared to loose me. And she was still in contact with that guy and when I asked her that why you were still in contact with him (it's been around 3 years they got separated) so she says that she is like that only... She can't deny anyone because of her soft hearted nature but she did not had any feelings for him. She also said that once she even went to meet him when he requested to meet and also on the same she claims that her soft hearted nature has done that she wasn't able to deny. I loved her too much but now all these things are hurting me like anything. (She is my first relationship before her i never had anyone)
Ans: Dear Anonymous,
I understand that you are hurt and the complexities of the hearts might be difficult sometimes to grasp. The first reason for your sorrow, her past relationship, and the fact that she was physically intimate with them is not completely justifiable. Though I understand that you feel hurt because she did not disclose it to you, still it should not matter so much as to ruin your present relationship. And whether she will open up about such sensitive details is actually up to her. It has nothing to do with how much she loves you or trusts you. Please understand that.

Now coming to the next thing, the fact that she is still in touch with them and has even met one of them, that is slightly concerning. It would have been okay if she did that openly- please understand that I am not saying she should have asked for your permission, but rather discuss the same with you. Moreover, in a relationship, it is also important to understand how much your partner is comfortable with- goes for both men and women. If you are uncomfortable with her relationship with her exes, she should consider that. I would have said the same if the table was turned. I suggest you have a clear conversation with her and express how you feel about this situation- depending on how she reacts and how the conversation goes, you both can think about the next step.

Hope this helps.

...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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