fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
LOG IN
SIGN UP

Fincash » Mutual Funds » Best Pharma Mutual Funds

Top 4 Best Performing Pharma Mutual Funds 2019

Updated on October 17, 2019 , 15226 views

Planning to invest in pharma funds? Pharma Mutual Funds are a sector-specific fund that invests in different pharmaceutical companies. Due to a huge population of India, there has always been a high demand for medicines and other health care needs because of which pharma companies have been earning good profits. Globally, India is the third largest pharmaceutical market in terms of volume. It is expected to grow to USD 55 billion at a CAGR of 15.92% by the year 2020 and at USD 100 billion by 2025. This long-term growth of the Indian pharma sector looks promising. Also, if we look at some of the

Major players in this sector like— Sun Pharmaceutical, Cipla, Lupin, Dr. Reddy’s Labs, Aurobindo Pharma, Glenmark Pharmaceuticals, etc., they have been constantly doing well in the market.

If you are keen to invest in the pharma sector fund, following are the schemes that you should consider Investing in.

Best Pharma Mutual Fund

Pharma Equity Funds in India

Pharma funds belong to the equity sectoral fund category which mainly invests in pharma and pharma related stocks. These funds focus to create a long-term wealth for the investors by taking advantage of growth in the Pharmaceutical sector. In India, there are only four pharma funds, i.e., Reliance Pharma Fund, TATA India Pharma & Healthcare Fund, UTI Healthcare Fund and SBI Healthcare Opportunities Fund. SBI Healthcare Opportunities Fund was earlier known as SBI Pharma and UTI Healthcare Fund was named as UTI Pharma & Healthcare Fund.

Reliance Pharma Fund has been in the market since 2004 and has delivered 20.8% returns since inception, whereas SBI Healthcare Opportunities Fund has also been in the market since 2004 and has delivered 12.9% returns since inception. In the year 2014, SBI Heathcare Opp Fund delivered 56.8% (absolute) returns.

UTI Healthcare Fund is one of the oldest pharma fund, launched in the year 1999 and has delivered 13.5% returns since its launch. The 4th pharma fund- TATA India Pharma & Healthcare Fund is in the market since 2015.

The category average of pharma funds stood at 131.79% over 1 year period ended 5 March 2010. Three out of four funds have outpaced BSE Healthcare over the same time period. The Reliance Pharma Fund has topped the category over one year period. The category average has been 19.77% and 18.81% during three years and five years time period.

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

Best Pharma Sector Funds to Invest in India

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2018 (%)
Reliance Pharma Fund Growth ₹142.537
↑ 0.75
₹2,3770.2-7-7.5-0.84.23.6
TATA India Pharma & Healthcare Fund Growth ₹8.8754
↑ 0.05
₹1680.4-3.3-0.7-2.4 -2.6
UTI Healthcare Fund Growth ₹78.8271
↑ 0.63
₹384-0.5-8.6-8.6-5.80.2-7.5
SBI Healthcare Opportunities Fund Growth ₹110.448
↑ 0.44
₹9021.2-9.1-9.7-8.50.9-9.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Oct 19

1. Reliance Pharma Fund

The primary investment objective of the scheme is to seek to generate consistent returns by investing in equity and equity related or fixed income securities of Pharma and other associated companies.

Reliance Pharma Fund is a Equity - Sectoral fund was launched on 5 Jun 04. It is a fund with High risk and has given a CAGR/Annualized return of 18.9% since its launch.  Ranked 35 in Sectoral category.  Return for 2018 was 3.6% , 2017 was 7.6% and 2016 was -10.6% .

Below is the key information for Reliance Pharma Fund

Reliance Pharma Fund
Growth
Launch Date 5 Jun 04
NAV (18 Oct 19) ₹142.537 ↑ 0.75   (0.53 %)
Net Assets (Cr) ₹2,377 on 31 Aug 19
Category Equity - Sectoral
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk High
Expense Ratio 2.63
Sharpe Ratio -1.99
Information Ratio 1.06
Alpha Ratio -1.29
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹12,647
30 Sep 16₹11,892
30 Sep 17₹10,599
30 Sep 18₹13,023
30 Sep 19₹11,545

Reliance Pharma Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450
Invest Now

Returns for Reliance Pharma Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Oct 19

DurationReturns
1 Month 0.7%
3 Month 0.2%
6 Month -7%
1 Year -7.5%
3 Year -0.8%
5 Year 4.2%
10 Year
15 Year
Since launch 18.9%
Historical performance (Yearly) on absolute basis
YearReturns
2018 3.6%
2017 7.6%
2016 -10.6%
2015 19.4%
2014 49.5%
2013 20.9%
2012 34.8%
2011 -11%
2010 31.9%
2009 118.6%
Fund Manager information for Reliance Pharma Fund
NameSinceTenure
Sailesh Raj Bhan1 Apr 0514.51 Yr.
Kinjal Desai25 May 181.35 Yr.

Data below for Reliance Pharma Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Health Care99.37%
Asset Allocation
Asset ClassValue
Cash0.57%
Equity99.37%
Other0.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 09 | SUNPHARMA
12%₹293 Cr6,500,976
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
10%₹244 Cr1,500,084
Cipla Ltd (Healthcare)
Equity, Since 31 May 08 | 500087
9%₹203 Cr4,300,000
Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Dec 15 | AUROPHARMA
8%₹198 Cr3,300,000
Lupin Ltd (Healthcare)
Equity, Since 31 Aug 08 | 500257
7%₹170 Cr2,300,025
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 30 Jun 11 | 500124
7%₹166 Cr650,000
↑ 50,000
Abbott India Ltd (Healthcare)
Equity, Since 31 May 11 | 500488
7%₹160 Cr175,433
Syngene International Ltd (Healthcare)
Equity, Since 30 Nov 17 | 539268
7%₹155 Cr5,015,473
Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Aug 18 | 532843
6%₹142 Cr11,400,490
Sanofi India Ltd (Healthcare)
Equity, Since 30 Jun 04 | 500674
6%₹138 Cr225,505

2. TATA India Pharma & Healthcare Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the pharma & healthcare sectors in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.

TATA India Pharma & Healthcare Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of -3.1% since its launch.  Return for 2018 was -2.6% , 2017 was 4.7% and 2016 was -14.7% .

Below is the key information for TATA India Pharma & Healthcare Fund

TATA India Pharma & Healthcare Fund
Growth
Launch Date 28 Dec 15
NAV (18 Oct 19) ₹8.8754 ↑ 0.05   (0.58 %)
Net Assets (Cr) ₹168 on 31 Aug 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.61
Sharpe Ratio -1.22
Information Ratio 0.89
Alpha Ratio 3.72
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹9,501
30 Sep 17₹8,151
30 Sep 18₹9,101
30 Sep 19₹8,790

TATA India Pharma & Healthcare Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%

Returns for TATA India Pharma & Healthcare Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Oct 19

DurationReturns
1 Month -0.5%
3 Month 0.4%
6 Month -3.3%
1 Year -0.7%
3 Year -2.4%
5 Year
10 Year
15 Year
Since launch -3.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -2.6%
2017 4.7%
2016 -14.7%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA India Pharma & Healthcare Fund
NameSinceTenure
Sailesh Jain9 Nov 180.23 Yr.
Meeta Shetty9 Nov 180.23 Yr.

Data below for TATA India Pharma & Healthcare Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Health Care95.79%
Asset Allocation
Asset ClassValue
Cash4.21%
Equity95.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Jan 16 | SUNPHARMA
13%₹21 Cr466,100
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 31 Aug 18 | 500124
11%₹19 Cr74,500
Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Sep 17 | DIVISLAB
10%₹16 Cr100,300
Lupin Ltd (Healthcare)
Equity, Since 30 Nov 17 | 500257
9%₹16 Cr210,000
Ipca Laboratories Ltd (Healthcare)
Equity, Since 31 Aug 16 | 524494
8%₹14 Cr146,000
↓ -29,000
Abbott India Ltd (Healthcare)
Equity, Since 31 Oct 16 | 500488
8%₹13 Cr14,701
Procter & Gamble Health Ltd (Healthcare)
Equity, Since 31 Jul 18 | 500126
6%₹11 Cr26,000
Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Jan 17 | AUROPHARMA
6%₹10 Cr165,000
Sanofi India Ltd (Healthcare)
Equity, Since 31 Jan 16 | 500674
5%₹8 Cr12,500
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 16 | APOLLOHOSP
4%₹8 Cr50,000

3. UTI Healthcare Fund

(Erstwhile UTI Pharma & Healthcare Fund)

The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors.

UTI Healthcare Fund is a Equity - Sectoral fund was launched on 28 Jun 99. It is a fund with High risk and has given a CAGR/Annualized return of 12.2% since its launch.  Ranked 40 in Sectoral category.  Return for 2018 was -7.5% , 2017 was 6.2% and 2016 was -9.7% .

Below is the key information for UTI Healthcare Fund

UTI Healthcare Fund
Growth
Launch Date 28 Jun 99
NAV (18 Oct 19) ₹78.8271 ↑ 0.63   (0.81 %)
Net Assets (Cr) ₹384 on 31 Aug 19
Category Equity - Sectoral
AMC UTI Asset Management Company Ltd
Rating
Risk High
Expense Ratio 3.04
Sharpe Ratio -2.09
Information Ratio 0.23
Alpha Ratio -0.78
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹12,096
30 Sep 16₹11,298
30 Sep 17₹9,948
30 Sep 18₹10,767
30 Sep 19₹9,434

UTI Healthcare Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹307,716.
Net Profit of ₹7,716
Invest Now

Returns for UTI Healthcare Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Oct 19

DurationReturns
1 Month -0.6%
3 Month -0.5%
6 Month -8.6%
1 Year -8.6%
3 Year -5.8%
5 Year 0.2%
10 Year
15 Year
Since launch 12.2%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -7.5%
2017 6.2%
2016 -9.7%
2015 12.4%
2014 43.7%
2013 23.3%
2012 24.8%
2011 -9.6%
2010 37.4%
2009 66.7%
Fund Manager information for UTI Healthcare Fund
NameSinceTenure
V Srivatsa3 Mar 171.92 Yr.

Data below for UTI Healthcare Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Health Care94.51%
Asset Allocation
Asset ClassValue
Cash3.95%
Equity96.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 06 | SUNPHARMA
12%₹44 Cr1,133,294
↑ 110,763
Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Sep 17 | DIVISLAB
9%₹34 Cr206,628
↓ -13,894
Lupin Ltd (Healthcare)
Equity, Since 31 May 18 | 500257
9%₹33 Cr466,550
↑ 35,742
Cadila Healthcare Ltd (Healthcare)
Equity, Since 31 Jan 03 | 532321
6%₹24 Cr1,019,639
Cipla Ltd (Healthcare)
Equity, Since 31 Jan 03 | 500087
6%₹23 Cr550,470
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 28 Feb 18 | 500124
6%₹22 Cr80,775
↓ -29,000
Ipca Laboratories Ltd (Healthcare)
Equity, Since 31 Jan 14 | 524494
6%₹22 Cr240,466
Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Oct 13 | AUROPHARMA
5%₹18 Cr312,806
Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Mar 19 | 540596
4%₹14 Cr319,320
↑ 29,218
Natco Pharma Ltd (Healthcare)
Equity, Since 31 Mar 19 | 524816
3%₹12 Cr214,318

4. SBI Healthcare Opportunities Fund

(Erstwhile SBI Pharma Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Healthcare Opportunities Fund is a Equity - Sectoral fund was launched on 31 Dec 04. It is a fund with High risk and has given a CAGR/Annualized return of 11.5% since its launch.  Ranked 34 in Sectoral category.  Return for 2018 was -9.9% , 2017 was 2.1% and 2016 was -14% .

Below is the key information for SBI Healthcare Opportunities Fund

SBI Healthcare Opportunities Fund
Growth
Launch Date 31 Dec 04
NAV (18 Oct 19) ₹110.448 ↑ 0.44   (0.40 %)
Net Assets (Cr) ₹902 on 31 Aug 19
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.62
Sharpe Ratio -1.76
Information Ratio -0.29
Alpha Ratio 1.86
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹13,447
30 Sep 16₹12,870
30 Sep 17₹10,850
30 Sep 18₹11,200
30 Sep 19₹9,692

SBI Healthcare Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹307,716.
Net Profit of ₹7,716
Invest Now

Returns for SBI Healthcare Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Oct 19

DurationReturns
1 Month -1.2%
3 Month 1.2%
6 Month -9.1%
1 Year -9.7%
3 Year -8.5%
5 Year 0.9%
10 Year
15 Year
Since launch 11.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -9.9%
2017 2.1%
2016 -14%
2015 27.1%
2014 56.8%
2013 26%
2012 37.1%
2011 -5.5%
2010 29.1%
2009 84.3%
Fund Manager information for SBI Healthcare Opportunities Fund
NameSinceTenure
Tanmaya Desai1 Jun 117.92 Yr.

Data below for SBI Healthcare Opportunities Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Health Care89.65%
Asset Allocation
Asset ClassValue
Cash8.91%
Equity91.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 17 | SUNPHARMA
12%₹113 Cr2,500,000
↓ -500,000
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
10%₹88 Cr540,000
Cipla Ltd (Healthcare)
Equity, Since 31 Aug 16 | 500087
7%₹66 Cr1,400,000
↑ 400,000
Treps
CBLO/Reverse Repo | -
7%₹66 Cr
Lupin Ltd (Healthcare)
Equity, Since 31 Jul 18 | 500257
7%₹61 Cr824,575
↑ 24,575
Alkem Laboratories Ltd (Healthcare)
Equity, Since 31 Dec 15 | ALKEM
6%₹55 Cr300,000
Strides Pharma Science Ltd (Healthcare)
Equity, Since 31 Mar 14 | STAR
5%₹49 Cr1,287,006
↓ -212,994
Torrent Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 May 14 | TORNTPHARM
5%₹46 Cr270,000
Ajanta Pharma Ltd (Healthcare)
Equity, Since 31 Jul 19 | 532331
5%₹41 Cr400,000
↑ 100,000
Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Mar 12 | AUROPHARMA
4%₹38 Cr640,000
↑ 40,000

Nifty Pharma Index

Generally Pharma Mutual funds follow similar composition of stocks tracking Nifty Pharma Index or CNX Pharma Index as this index is benchmark for Pharma Sector Mutual Funds.

Although Pharma Mutual Funds might not necessarily replicate same ratios and components.

Portfolio Characteristics

Portfolio Characteristics
Methodology Free Float Market Capitalization
Launch Date July 01, 2005
Base Date Jan 01, 2001
Base Value 1000
No. of Constituents 10
Calculation Frequency Online Daily
Index Rebalancing Semi-Annually

Top constituents by weightage

Constituents companies of Nifty Pharma Index with weightage

As on 28 September 2018

Stock Weightage
Sun Pharmaceutical Industries Ltd. 28.00
Cipla Ltd. 13.51
Dr. Reddy's Laboratories Ltd. 12.49
Lupin Ltd. 8.79
Aurobindo Pharma Ltd. 8.52
Piramal Enterprises Ltd. 8.12
Divi's Laboratories Ltd. 6.80
Biocon Ltd. 5.91
Cadila Healthcare Ltd. 4.02
Glenmark Pharmaceuticals Ltd. 3.85

more about index can be read on official website Nifty Pharma Index Document

Should you Invest in Pharma Mutual Funds?

Being a sector-specific fund, pharma funds carry a huge risk of investment. Investors who have an in-depth knowledge of the pharma and healthcare industry are only advised to invest in these funds. One planning to invest in this fund should have a thorough knowledge of this sector and should be ready to bear a high-risk.

Investors who think the pharma sector will give good returns in the future or can perform stable in the long-run can plan to invest in these following funds.

Healthcare Sector in India

Public healthcare

Public healthcare is free for those,who are below the poverty line. The public health sector encompasses 18% of total outpatient care and 44% of total inpatient care. Middle and upper class individuals tend to use public healthcare less than those with a lower standard of living. Additionally, females and elderly use public services more. The public health care system was originally developed in order to provide a means to healthcare access regardless of socioeconomic status. However, reliance on public and private healthcare sectors varies significantly between states. Several reasons are cited for relying on the private rather than public sector; the main reason at the national level is poor quality of care in the public sector, with more than 57% of households pointing to this as the reason for a preference for private health care. Most of the public healthcare caters to the rural areas; and the poor quality arises from the reluctance of experienced healthcare providers to visit the rural areas. Consequently, the majority of the public healthcare system catering to the rural and remote areas relies on inexperienced and unmotivated interns who are mandated to spend time in public healthcare clinics as part of their curricular requirement. Other major reasons are distance of the public sector facility, long wait times, and inconvenient hours of operation.

Different factors related to public healthcare are divided between the state and national government systems in terms of making decisions, as the national government addresses broadly applicable healthcare issues such as overall family welfare and prevention of major diseases, while the state governments handle aspects such as local hospitals, public health, promotion and sanitation, which differ from state to state based on the particular communities involved. Interaction between the state and national governments does occur for healthcare issues that require larger scale resources or present a concern to the country as a whole.

Private healthcare

Since 2005, most of the healthcare capacity added has been in the private sector, or in partnership with the private sector. The private sector consists of 58% of the hospitals in the country, 29% of beds in hospitals, and 81% of doctors.

Narayana Health hospital facility in Bangalore, India According to National Family Health Survey-3, the private medical sector remains the primary source of health care for 70% of households in urban areas and 63% of households in rural areas. The study conducted by IMS Institute for Healthcare Informatics in 2013, across 12 states in over 14,000 households indicated a steady increase in the usage of private healthcare facilities over the last 25 years for both Out Patient and In Patient services, across rural and urban areas. In terms of healthcare quality in the private sector, a 2012 study by Sanjay Basu et al., published in PLOS Medicine, indicated that health care providers in the private sector were more likely to spend a longer duration with their patients and conduct physical exams as a part of the visit compared to those working in public healthcare.

However, the high out of pocket cost from the private healthcare sector has led many households to incur Catastrophic Health Expenditure, which can be defined as health expenditure that threatens a household's capacity to maintain a basic standard of living. Costs of the private sector are only increasing. One study found that over 35% of poor Indian households incur such expenditure and this reflects the detrimental state in which Indian health care system is at the moment. With government expenditure on health as a percentage of GDP falling over the years and the rise of private health care sector, the poor are left with fewer options than before to access health care services. Private insurance is available in India, as are various through government-sponsored health insurance schemes. According to the World Bank, about 25% of India's population had some form of health insurance in 2010. 2014 Indian government study found this to be an over-estimate, and claimed that only about 17% of India's population was insured.

How to Invest in Pharma Sector Funds Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
How helpful was this page ?
Rated 4.7, based on 17 reviews.
POST A COMMENT

Shailendra, posted on 24 Jul 19 8:02 PM

Are largecap is best investment on longterm

1 - 1 of 1