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Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 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
mohan Question by mohan on Apr 11, 2024Hindi
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My son wants to invest in mutual fund at least sip 1500 rupees monthly please suggest me a good long term fund.

Ans: For a long-term investment horizon, you might consider recommending a diversified equity fund with a track record of consistent performance. Look for funds that have a good mix of large-cap, mid-cap, and small-cap stocks to spread out the risk. Additionally, choose a fund with a proven track record and a solid fund management team. Ensure that the fund aligns with your son's risk tolerance and investment objectives. It's also important to review the fund's past performance, expense ratio, and portfolio holdings before making a decision.
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  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

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kindly suggest some three mutual fund long term for the age for a person of 35 having income 1,25 lakh per month wants to invest 35000 per month as he is first time investor as early as possible
Ans: For a 35-year-old first-time investor with a monthly income of 1.25 lakh and a monthly investment capacity of 35,000, here are three mutual funds suitable for long-term investment:

Large Cap Fund:
Why: These funds invest in large, well-established companies that have a track record of stable growth. They are relatively less volatile and offer a good starting point for new investors.
Potential Choice: Large Cap Equity Funds that have a consistent performance history and a low expense ratio.
Multi-Cap Fund:
Why: These funds have the flexibility to invest across market caps, i.e., in large, mid, and small-cap stocks. This diversification can help in capital appreciation while managing risk.
Potential Choice: Multi-Cap Funds that have a proven track record of delivering consistent returns across market cycles.
Balanced Advantage Fund:
Why: These funds dynamically manage the equity-debt allocation based on market valuations. In bullish markets, they can increase equity exposure, while in bearish markets, they can shift towards debt, offering a balanced approach.
Potential Choice: Balanced Advantage Funds with a disciplined investment strategy and a focus on capital preservation along with growth.
Remember to consider the fund's past performance, fund manager's experience, expense ratio, and the fund house's reputation before investing. Additionally, reviewing and rebalancing the portfolio periodically can help in aligning it with your long-term financial goals. It's advisable to consult a Certified Financial Planner for personalized advice tailored to your financial situation and goals. Happy investing!

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Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 27, 2024

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Sir, my son is 26 years old. I would like to invest 5000/- per month in mutual fund and to be continued upto 50 years . Plz suggest suitable Mutual Fund with distribution of 5000/-. Is Index fund is good for investment ? Plz advise. rgds, Goutam
Ans: Investing for Long-Term Growth: A Comprehensive Guide

Understanding Your Investment Goals
Goutam, it's wonderful to see your commitment to your son's future. Investing Rs 5,000 per month until he is 50 years old is a prudent decision. This long-term horizon can yield significant growth through the power of compounding.

Evaluating Mutual Fund Options
Importance of Diversification
Diversification is key to managing risk and optimizing returns. Investing in different types of mutual funds can provide a balanced portfolio that captures various growth opportunities.

Equity Funds
Equity funds invest primarily in stocks. They offer high growth potential, which is ideal for long-term goals. Despite their volatility, the long-term horizon helps to smooth out short-term fluctuations.

Balanced Funds
Balanced funds invest in both equities and debt instruments. They offer a mix of growth and stability, making them a good choice for those who prefer moderate risk.

Debt Funds
Debt funds invest in fixed-income securities like bonds. They provide stable returns with lower risk compared to equity funds. Including a small portion of debt funds can add stability to the portfolio.

Benefits of Actively Managed Funds
Professional Management
Actively managed funds are managed by professional fund managers who make strategic decisions based on market research. They aim to outperform the market, providing higher returns.

Flexibility and Adaptability
Actively managed funds can adjust their portfolio in response to market conditions. This flexibility allows them to capitalize on opportunities and manage risks effectively.

Drawbacks of Index Funds
Average Market Returns
Index funds aim to match the performance of a market index. They provide average market returns, which can be limiting for long-term growth.

Lack of Professional Management
Index funds lack active management. They don't adapt to market changes, potentially missing out on opportunities for higher returns. Actively managed funds, on the other hand, leverage expert insights to maximize gains.

Recommended Mutual Fund Distribution
Equity Fund Allocation
Consider allocating Rs 3,000 per month to equity funds. This allocation taps into the growth potential of stocks. Diversifying within equity funds (large-cap, mid-cap, and small-cap) can further optimize returns.

Balanced Fund Allocation
Allocate Rs 1,000 per month to balanced funds. This provides a mix of growth and stability, reducing overall portfolio risk while capturing market growth.

Debt Fund Allocation
Invest Rs 1,000 per month in debt funds. This adds stability to your portfolio, ensuring some portion of your investments remains relatively safe from market volatility.

Importance of Regular Monitoring
Periodic Portfolio Review
Regularly reviewing your portfolio is crucial. Market conditions and personal circumstances change over time. Periodic reviews help ensure your investments remain aligned with your goals.

Rebalancing
Rebalancing your portfolio maintains your desired asset allocation. It involves adjusting your investments to restore the original balance, optimizing your portfolio's performance.

Building an Emergency Fund
Financial Security
Before committing to long-term investments, ensure an adequate emergency fund. This fund should cover at least six months of living expenses. It provides a financial cushion, preventing the need to liquidate investments prematurely.

Understanding Tax Implications
Tax Efficiency
Understanding tax implications helps in maximizing returns. Some mutual funds offer tax benefits, enhancing post-tax returns. Consulting a tax expert or a Certified Financial Planner (CFP) can help optimize your investment strategy.

Conclusion
Goutam, your plan to invest Rs 5,000 per month for your son shows great foresight. A well-diversified portfolio with a focus on actively managed funds can maximize growth while managing risk. Regular reviews and professional guidance will ensure your investments remain aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

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

Money
Hi I want to start Mutual fund for my son for Rs 40,000 per month. Heis just 14 years for his studies and mariage. I will be retiring in 2027, November. Kindly suggest wher to invest.
Ans: Investing Rs 40,000 per month for your son's future is a great decision. Your goal is to provide for his education and marriage, which are important milestones. Here’s a comprehensive guide on where to invest, ensuring his future needs are met while you plan for your retirement in November 2027.

Understanding Your Investment Goals
Your primary goals are funding your son's education and marriage. It's essential to prioritize these goals and align your investments accordingly. Education expenses will come sooner, so you need a balanced approach. Marriage expenses are typically further out, so you can afford to take more risks with that portion.

Benefits of Mutual Funds
Mutual funds offer diversification, professional management, and liquidity. They spread risk across various assets, which can help achieve higher returns over the long term. This makes them a suitable choice for your goals.

Types of Mutual Funds to Consider
Equity Funds
Equity funds invest in stocks and aim for capital growth. They are suitable for long-term goals like your son’s marriage, which is likely more than ten years away. These funds can provide high returns but come with higher risks.

Balanced or Hybrid Funds
Balanced funds invest in a mix of equity and debt. They offer a balanced approach to growth and stability. These are suitable for medium-term goals like your son’s education, ensuring steady returns with moderate risk.

Debt Funds
Debt funds invest in fixed income securities and are lower risk. They are suitable for short-term goals or as a part of a balanced portfolio to provide stability. While they offer lower returns compared to equity funds, they help mitigate risk.

Asset Allocation Strategy
Proper asset allocation is crucial. It involves spreading your investment across different asset classes to balance risk and reward.

For Education (Medium-term Goal)
Allocate 60% to Balanced/Hybrid Funds for moderate growth and stability.

Allocate 20% to Equity Funds for higher growth potential.

Allocate 20% to Debt Funds for safety and stability.

For Marriage (Long-term Goal)
Allocate 70% to Equity Funds to maximize growth over the long term.

Allocate 20% to Balanced/Hybrid Funds for some stability.

Allocate 10% to Debt Funds to reduce overall risk.

Regular Monitoring and Rebalancing
Investment performance should be reviewed at least annually. This helps ensure your portfolio remains aligned with your goals. Rebalancing involves adjusting your investments to maintain the desired asset allocation. It’s essential to stay flexible and adjust based on market conditions and personal financial changes.

Risk Management
Understanding and managing risk is crucial in investing. Equity investments can be volatile, but their potential for higher returns makes them suitable for long-term goals. Balancing this with more stable investments like debt funds helps manage overall risk. It’s also important to have an emergency fund to cover unexpected expenses, ensuring you don't need to withdraw from your investments prematurely.

Tax Efficiency
Investing in tax-efficient funds can help you maximize returns. Equity funds held for more than a year qualify for long-term capital gains tax, which is lower than short-term rates. Debt funds held for more than three years also get long-term tax benefits. Consulting a certified financial planner can help you navigate the tax implications effectively.

SIP for Disciplined Investing
Systematic Investment Plans (SIPs) allow you to invest a fixed amount regularly. SIPs instill discipline and reduce the impact of market volatility. Investing Rs 40,000 per month through SIPs ensures regular savings and takes advantage of rupee cost averaging, helping you buy more units when prices are low and fewer when prices are high.

The Role of a Certified Financial Planner
A certified financial planner (CFP) can provide personalized advice, considering your specific financial situation and goals. They can help you choose the right mutual funds, ensure proper asset allocation, and adjust your plan as needed. A CFP can also assist in understanding the fine print and managing risks effectively.

Benefits of Actively Managed Funds Over Index Funds
Actively managed funds aim to outperform the market through expert stock selection and timing. While index funds simply replicate market indices, actively managed funds can potentially offer higher returns through professional management. They can adapt to market changes and capitalize on opportunities, making them more suitable for achieving specific financial goals.

Avoiding Direct Funds
Direct funds might seem appealing due to lower fees, but they require more active involvement and expertise. Investing through a CFP and opting for regular funds ensures professional guidance and management, which can significantly enhance your investment outcomes. The slight increase in cost is often outweighed by the benefits of expert advice and support.

Investing in Children's Education
Education costs are rising, so it’s vital to plan well. Mutual funds can provide the necessary growth to keep up with these costs. Choosing funds with a good track record and aligning them with your time horizon is key. Balanced and hybrid funds can offer a mix of growth and stability, making them ideal for medium-term goals like education.

Investing in Marriage Expenses
Marriage expenses can be significant. Long-term investments in equity funds can help grow your corpus over time. Starting early and staying invested allows you to benefit from compounding returns, making it easier to meet these expenses when the time comes.

Retirement Planning
While your primary focus is on your son's future, don’t neglect your retirement planning. Ensure that your investments also account for your retirement needs. Balanced funds can provide growth and stability, while debt funds can offer safety. A CFP can help integrate your retirement planning with your overall financial goals.

Financial Discipline and Regular Savings
Regular savings and disciplined investing are crucial. Automate your investments through SIPs to ensure consistency. Avoid the temptation to time the market; instead, stay focused on your long-term goals. Regular savings and disciplined investing can lead to substantial wealth accumulation over time.

Insurance Considerations
Ensure you have adequate life and health insurance. This protects your family’s financial future in case of unforeseen events. Avoid investment-cum-insurance policies like ULIPs, which can have high costs and lower returns compared to mutual funds. Pure protection plans, like term insurance, offer higher coverage at a lower cost.

Estate Planning
Estate planning ensures your assets are distributed according to your wishes. Create a will and consider setting up trusts if necessary. This can provide peace of mind and ensure your son’s future is secure even if something happens to you.

Education on Financial Literacy
Educate your son on financial literacy. This can empower him to make informed decisions in the future. Teach him the basics of saving, investing, and managing money wisely. Financial literacy is a valuable skill that will benefit him throughout his life.

Understanding Market Cycles
Markets go through cycles of growth and decline. Understanding these cycles can help manage expectations and reduce anxiety during downturns. Staying invested during market lows can lead to substantial gains when the market recovers. Patience and long-term perspective are essential in investing.

Diversification
Diversification reduces risk by spreading investments across different assets. Avoid putting all your money in one type of investment. By diversifying, you protect your portfolio from significant losses and increase the potential for returns.

Emergency Fund
Maintain an emergency fund equivalent to 6-12 months of expenses. This provides a financial cushion for unexpected expenses or job loss, ensuring you don't need to dip into your investments prematurely.

Keeping Updated with Financial News
Stay informed about financial news and trends. This helps you make informed decisions and adjust your strategy as needed. However, avoid making impulsive decisions based on short-term market movements.

Regular Review and Adjustment
Review your investment plan regularly. Life circumstances and financial markets change, so your plan may need adjustments. A CFP can help ensure your plan remains aligned with your goals and adjusts as needed.

Final Insights
Investing for your son’s future is a wise and thoughtful decision. By choosing the right mutual funds, maintaining proper asset allocation, and staying disciplined, you can achieve your financial goals. Regular monitoring, risk management, and professional guidance are crucial for success. Keep educating yourself and your son about financial matters to make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ravi

Ravi Mittal  |431 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 22, 2024Hindi
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Relationship
A bit long story I'm 21 student preparing for medical competative entrance exam for past 3 years (21-24).2 year ago this phase I was in a long distance relationship for 4 months with a girl I met in my class .But it didn't last long due to the problems created due to distance as she couldn't understand myself and I couldn't understand herself.so there was a misunderstanding and I couldn't hold on as I was in heavy pressure by exams and financial problems.so I couldn't handle and I felt like too early and broke up with her by losing my mind.she was completely disappointed as I didn't speak to her for more than an year due to one more year preparation.i missed her very much but I didnt tell her.I missed govt seat in border mark and the same year she got into a relationship with another guy in her class.i don't blame her. But I feel like my entire life is shattered and I couldn't move on from that girl till now.I couldn't concentrate on my career too.im kind of person who is always confident in all aspects but I have totally lost my mind .I can see that in an danger situation as age is running and family pressure, everyone of my classmates are far ahead of me I couldn't withstand this situation and couldn't make proper decision in any aspect. Mam please help me out.
Ans: Dear Anonymous,
I understand your concerns. The first step is to focus on moving on; she has, and you should too. Prioritize your career, your family, and your future. Next, what has happened to your career progress has already happened. It's unfortunate, but there's no way to change that. But give yourself a second chance; work harder and achieve greater things than you even imagined before. Trust me, you are not the only person who is standing in a situation like this. Many have, and many more will. But the ones who have passed this time will give you the same advice that I did.

Best Wishes.

...Read more

Milind

Milind Vadjikar  |682 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 13, 2024Hindi
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Sir, I am 40yrs old. Having monthly takehome salary of 1.1 lakh and rental income of 36000. My investment are 2 flats worth of 1cr. 4 plots in Bhubaneswar worth of 2crs. EPF balance 50 lakh, LIC policies worth of 16 lakhs, NPS worth of 10 lakhs. My monthly saving commitments are - EPF (employee+employer) 28000 NPS 15000 MF 7500 Gold scheme 5000 Financial burden - HL emi of 24000 Monthly expanses 50000 I would like to retire at 50. Please advise for retirement plan with life expectancy of 80yrs.
Ans: Hello;

The value of your investments after 10 years;

A. EPF Corpus+Contribution: 1.6 Cr
B. NPS Corpus+Contribution: 53 L
C. MF(sip) + Gold(sip): 25 L
D. Real estate (land): 3.26 Cr

So sum of A, C & D gives us a corpus of 5.11 Cr

Since you will withdraw NPS before 60 age 80% of corpus will go into annuity while 20% will be available to you.

So you may expect monthly income of around 21 K from annuity(42.4 L).

Balance 10.6 L get added to 5.11L taking your total corpus to ~ 5.2 Cr.

If you invest 5 Cr in a conservative hybrid debt fund and do a SWP at the rate of 3%, you may expect a monthly income of around 1.1 L(post-tax).

Add your monthly rental income of 36 K(No growth factored) and annuity income of 21 K to this and you have total monthly income of 1.67 L after 10 years.

Your current monthly expenses of 50 K after 10 years would be around 90 K and 1.6 L after 20 years.

Considering return of around 7-7.5% from the conservative hybrid debt fund you will still generate inflation adjusted return at 3% SWP after 80 years of age.

Assumptions:
Inflation rate-6%
Return from EPF-8%
Return from NPS-9%
Return from MF-10%
Return from gold-7%
Return from Land-5%
Annuity rate-6%

The spare flat is not considered in this because it will continue to yield you rental income in retirement.

Since real estate(land) returns may fluctuate over 10 years suggest to increase MF sip(6X) as a back-up, also in this case you may decide to retain & invest in NPS upto 60 age.

Of course MF returns are also not assured but you are improving the odds by backing two appreciable assets(RE & equity) over long-term.

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

Money
My age 62, male, getting rental income Rs. 90k nett. Already subscribing 12.5k in PPF for the past 2 1/2 years. No other investments. My target is 5 crores in 10 years. I already have Mediclaim Rs.50 lakhs for me & wife . Please advice me what to do.
Ans: Your current financial foundation is strong and shows promise:

A rental income of Rs. 90,000 per month provides consistent and predictable cash flow. This stability can serve as the backbone for your investment strategy.

PPF contributions of Rs. 12,500 per month for 2.5 years reflect disciplined saving. However, its returns may be insufficient to achieve a high-growth target like Rs. 5 crores in 10 years.

A robust Mediclaim policy of Rs. 50 lakhs for you and your wife ensures adequate health coverage. This safeguard allows you to focus on wealth-building without worrying about medical emergencies.

Despite these positive factors, achieving Rs. 5 crores in 10 years requires a carefully crafted and growth-oriented strategy.

Defining and Prioritising Your Financial Goals
Achieving Rs. 5 crores is ambitious yet achievable with a focused approach:

Define this target as your primary financial goal over the next decade.

Break it into manageable milestones: for example, Rs. 50 lakhs every 1-2 years in cumulative investments and growth.

Prioritise high-return investments that align with your risk tolerance and financial capacity.

Optimising Existing PPF Contributions
While PPF is a secure investment, its growth potential is limited:

Returns: PPF currently offers an interest rate of approximately 7-7.5%, which barely outpaces inflation.

Contribution Review: Consider capping your PPF contributions at Rs. 1.5 lakh annually (to utilise the Section 80C benefit). This ensures that excess funds are redirected to higher-return investments.

PPF can serve as a low-risk component of your portfolio but should not dominate your investment strategy.

Building a Diversified Investment Portfolio
A diversified portfolio will provide a balance of risk and reward. Include the following components:

1. Equity Mutual Funds for Growth
Equity mutual funds are essential for achieving high returns over the long term:

Large-Cap Funds: These invest in established companies and offer stability with moderate growth. They are ideal for a portion of your portfolio to reduce risk.

Multi-Cap or Flexi-Cap Funds: These provide exposure to companies of all sizes, offering growth and diversification.

Sectoral and Thematic Funds: Avoid these unless you have a high risk tolerance and understand market dynamics.

ELSS Funds: These not only provide tax savings under Section 80C but also deliver market-linked returns.

Why Avoid Index Funds?

Index funds may offer simplicity and lower expense ratios, but they lack flexibility. They cannot adapt to market conditions or capitalise on outperforming sectors. Actively managed funds, on the other hand, have the potential to outperform the market, especially in a developing economy like India.

Start with a Systematic Investment Plan (SIP) in selected funds to build wealth steadily.

2. Debt Mutual Funds for Stability
Debt funds add stability to your portfolio and reduce overall risk:

Choose funds with low credit risk and moderate duration to ensure safety and predictable returns.

Debt funds are suitable for short- to medium-term goals or as a fallback during market corrections.

Taxation Note: Both LTCG and STCG on debt funds are taxed as per your income tax slab. This should be factored into your planning.

3. Balanced Advantage Funds
Balanced advantage funds (BAFs) dynamically allocate assets between equity and debt. They:

Provide exposure to equity while minimising downside risk.

Offer a suitable option for someone nearing retirement but seeking growth.

4. Gold Investments for Diversification
Allocate a small portion (5-10%) of your portfolio to gold:

Gold serves as a hedge against inflation and currency depreciation.

Choose gold ETFs or sovereign gold bonds for ease of liquidity and better returns.

Emergency Fund Creation
Having an emergency fund is non-negotiable:

Maintain at least 6-12 months of expenses in liquid investments like liquid mutual funds or high-interest savings accounts.

This ensures liquidity for unforeseen events without disturbing your long-term investments.

Focus on Retirement Planning
At 62, balancing growth and safety becomes critical:

Estimate your monthly retirement expenses, considering inflation over the next 10-15 years.

Your target of Rs. 5 crores should primarily serve as your retirement corpus.

Allocate assets thoughtfully:

60-70% in equity funds for growth.
30-40% in debt funds for stability.
Periodically rebalance your portfolio to maintain this allocation.

Strategic Tax Planning
Tax efficiency can significantly impact your returns:

Continue using Section 80C to its full potential, including ELSS funds and PPF.

Consider the National Pension System (NPS) for an additional Rs. 50,000 deduction under Section 80CCD(1B).

Be mindful of the new taxation rules for mutual funds:

Equity Mutual Funds: LTCG above Rs. 1.25 lakh is taxed at 12.5%; STCG at 20%.
Debt Funds: LTCG and STCG are taxed as per your income slab.
Consult a Certified Financial Planner to optimise your tax strategy.

Regular Portfolio Monitoring and Rebalancing
Investing is not a one-time activity:

Review your portfolio every six months or annually to track performance.

Rebalance your asset allocation periodically to align with your financial goals and risk appetite.

Stay committed to SIPs even during market downturns, as this ensures cost-averaging.

Additional Suggestions
Avoid Over-Reliance on PPF
While PPF is safe, it is not sufficient for wealth creation. Shift excess contributions to equity-based investments for better returns.

Avoid Direct Stocks
Direct equity investing requires time, expertise, and constant monitoring. It carries higher risk and may lead to losses without proper research. Instead, rely on equity mutual funds managed by professionals.

Avoid Mixing Insurance and Investments
Do not invest in ULIPs or endowment plans, as they offer suboptimal returns. Stick to pure insurance products for protection and mutual funds for growth.

The Role of a Certified Financial Planner
To achieve Rs. 5 crores, a well-crafted financial plan is essential. A Certified Financial Planner (CFP) can:

Analyse your current investments and recommend improvements.

Design a customised strategy tailored to your income, expenses, and goals.

Provide periodic reviews to ensure you stay on track.

Finally
Achieving Rs. 5 crores in 10 years is a realistic goal if you adopt a disciplined and diversified approach.

Optimise your PPF contributions and channel excess funds into higher-growth investments.

Build a diversified portfolio with equity and debt mutual funds.

Include a small allocation to gold and maintain an emergency fund.

Stay consistent with your SIPs and review your investments regularly.

Work with a Certified Financial Planner to create a personalised roadmap.

By following these steps, you can secure your financial future and meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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