Latest news with #OralHealthMovement
The Wire
8 hours ago
- Health
- The Wire
Colgate's Oral Health Movement - 4.5 Million Screened, Interesting Insights Uncovered, Drives Dental Visits Across India
Colgate's Oral Health Movement reveals India's Oral Health Score as 2.6 out of 5, signalling the need for prioritization of Oral Care in the country NEW DELHI, June 24, 2025 /PRNewswire/ -- Colgate-Palmolive (India) Limited has been on a mission to revolutionize India's Oral Care for over eight decades, with a deep commitment to improving the nation's Oral Health. While almost 100% of households in India are using toothpaste, the adoption of optimal Oral Care behaviour continues to present an opportunity. While nearly every Indian household uses toothpaste, the opportunity to adopt optimal oral care behavior remains significant. It's about cultivating simple, inexpensive daily habits with profound, long-term health benefits. With 90%* of Indians facing dental issues and only 9% visiting a dentist regularly, it was imperative to start a dialogue and create meaningful action around this critical issue. To bridge the awareness gap that exists between current behaviour and ideal, Colgate launched the Oral Health Movement in November 2024 - An initiative that leveraged cutting-edge technology to empower millions of Indians, enabling them to screen their oral health from their mobile phones and access free dental check-ups through a network of 50,000 dentists in partnership with the Indian Dental Association (IDA). *Dental camp study by Kantar in 2019 As part of the Colgate Oral Health Movement, over 4.5 million Indians screened their Oral Health across the length and breadth of the country with participation from 18,000 pin codes covering more than 700 districts. Further, 1/6th of them visited a dentist post-screening (IDA data), thereby reflecting how the Movement successfully nudged Indians towards further action. Additionally, the nationwide Movement has delivered actionable intelligence on India's Oral Health, highlighting key areas that require urgent attention and intervention. The findings will shape the future of Oral Care initiatives in the country. Based on user participation in Colgate's Oral Health Movement, India's average Oral Health score is 2.6 out of 5.0. The Oral Health Score provides a powerful, personalized insight into an individual's oral health by assessing the risk of cavities, gum issues, and stains. A common thread among Indians achieving higher oral health scores was their adherence to specific healthy practices. These included brushing teeth twice a day, moderating consumption of caffeine and sugary beverages, eating a healthy and nutritious diet, and avoiding tobacco. Here's a glimpse of India's oral health landscape: • 41% of individuals face a high risk of cavities, 44% are prone to gum issues and 14% report stains • 72% of Indians are at high risk for at least one oral health concern while 4% are at the risk of all three (cavities, gum problems, teeth stains) • Only 10% of 4.5 million Indians screened, got a dental health score of 5/5 The trends also vary across age groups and regions: • More than 60% of Indians above the age of 50 are at a high risk of gum-related issues • Eastern India reported the higher incidence of tooth stains, largely linked to tobacco usage • Cavities were more common in Kerala, Jharkhand, and Rajasthan, where over 50% of participants in were found at high risk • A heightened vulnerability to cavities within two key demographics: 50% of children aged 3–12 years and 72% of older adults aged over 64 years of age. These groups require particular attention and targeted preventive care • Out of the 4.5 million respondents, 24% received the lowest score of 1 To further supplement the findings and spur a discussion around the state of India's Oral Health and the path forward, Colgate also held the 'Oral Health Movement Summit' in New Delhi today, in the presence of Shri JP Nadda, Honorable Union Minister of Health and Family Welfare, Government of India, along with other eminent voices in the Oral Care ecosystem for an insightful discourse on India's Oral Health status. Speaking at the Summit, Ms. Prabha Narasimhan, Managing Director & CEO, Colgate-Palmolive (India) Limited said, "For over 87 years, Colgate has proudly been India's most trusted oral care brand, built on a legacy of innovation and science. Optimal Oral Health is simple and affordable - Allyou need is to invest ₹2 and 2 minutes, twice a day. We recognize that oral health, though crucial, is often overlooked in overall wellness. Improving oral hygiene can also positively impact systemic diseases like diabetes, cardiovascular conditions, and respiratory infections, thus easing the burden on one's own health and the nation's healthcare infrastructure. We acknowledge the Indian government's visionary strides in healthcare policy, from the National Oral Health Program to the National Dental Commission Act. The widespread reach and impact of programs like our Colgate Bright Smiles, Bright Futures® (BSBF) have been instrumental in driving the near-universal penetration of Toothpaste across Indian households. We envision a future where oral health is prioritized through a concerted, policy-driven approach, ultimately opening doors to a healthier life for everyone. Our state-level Public-Private Partnerships (PPPs) for the Colgate Bright Smiles, Bright Futures® (BSBF) program are already paving the way, effectively collaborating with education and healthcare departments in states like Uttar Pradesh, Goa, Assam, Maharashtra, and Andhra Pradesh. This ongoing work is effectively delivering results, demonstrating the power of collective action. The Colgate Oral Health Movement (OHM) has also unveiled vital insights that will help inform the way forward to make Oral Care a part of India's overall healthcare agenda. We stand firm in our resolve to continue our mission by sustaining the momentum that has been created by the Oral Health Movement." Speaking at the summit, Shri JP Nadda, Union Minister of Health and Family Welfare and Union Minister of Chemicals and Fertilizers said, "Colgate's Oral Health Movement in partnership with IDA has transformed oral care from a neglected concern into a national priority. The movement supports the government's National Oral Health Programme launched in 2014. I thank Colgate-Palmolive India Limited for starting this movement and clocking over 4.5 million dental screenings. This initiative has not only raised awareness, but has truly helped integrate oral care into the public health conversations. It's a powerful example of how collaborations such as these, can drive impactful change for a healthier India." Colgate's Oral Health Movement was brought to life with a multi-touchpoint campaign, which ensured a wide reach. Beyond an omni-channel approach to make the QR code, leading to the AI-enabled tool accessible, the company also engaged in on-ground screenings with the Indian Railways, leading corporations, retail outlets as well as at the Mahakumbh. About Colgate Bright Smiles, Bright Futures® (BSBF) Education is absolutely vital for prevention, and our flagship Colgate Bright Smiles, Bright Futures® (BSBF) program has truly been a game-changer. In FY25 alone, BSBF reached over 8.2 million children in 25,000 schools across 11 states, actively spreading vital oral health awareness. Children learn proper brushing techniques, the importance of brushing twice daily, the need for nutritious food, and the harmful effects of tobacco and smoking. We don't do this crucial work alone. We are grateful for our partnerships with local governments that have helped us extend our reach across the country. Additionally, we collaborate with parents, teachers, NGOs, UN bodies, dental and health professionals. By combining our expertise, we accelerate progress, ensuring prevention and good oral hygiene remain top health priorities. Since its inception in the 1970s, this impactful in-school program has reached over 185 million children and their families across India. Going forward, we're committed to reaching over 10 million children year-on-year, laying the foundation for a generation that understands and prioritizes oral health from an early age. About Colgate-Palmolive (India) Limited Colgate-Palmolive is a caring, innovative growth company that is reimagining a healthier future for all people, and the planet. Colgate-Palmolive (India) Limited is the market leader in Oral Care in the country, committed to delivering sustainable, profitable growth for its shareholders, while fostering an inclusive workplace for its people. With a primary focus on science-led innovations in Oral Care & Personal Care in the Indian market, the company is recognized for its leadership and innovative efforts in advancing sustainability and community well-being. Among its recent accomplishments, the company has made significant strides in reducing plastic waste and promoting recyclability, conserving water and energy at its manufacturing facilities, empowering women with financial and digital literacy and enhancing children's oral health through the Colgate Bright Smiles, Bright Futures® program. For more information about Colgate's global business and how it is building a future to smile about, visit: Photo: Logo: (Disclaimer: The above press release comes to you under an arrangement with PRNewswire and PTI takes no editorial responsibility for the same.).
Yahoo
10 hours ago
- Health
- Yahoo
Colgate's Oral Health Movement - 4.5 Million Screened, Interesting Insights Uncovered, Drives Dental Visits Across India
Colgate's Oral Health Movement reveals India's Oral Health Score as 2.6 out of 5, signalling the need for prioritization of Oral Care in the country NEW DELHI, June 24, 2025 /PRNewswire/ -- Colgate-Palmolive (India) Limited has been on a mission to revolutionize India's Oral Care for over eight decades, with a deep commitment to improving the nation's Oral Health. While almost 100% of households in India are using toothpaste, the adoption of optimal Oral Care behaviour continues to present an opportunity. While nearly every Indian household uses toothpaste, the opportunity to adopt optimal oral care behavior remains significant. It's about cultivating simple, inexpensive daily habits with profound, long-term health benefits. With 90%* of Indians facing dental issues and only 9% visiting a dentist regularly, it was imperative to start a dialogue and create meaningful action around this critical issue. To bridge the awareness gap that exists between current behaviour and ideal, Colgate launched the Oral Health Movement in November 2024 - An initiative that leveraged cutting-edge technology to empower millions of Indians, enabling them to screen their oral health from their mobile phones and access free dental check-ups through a network of 50,000 dentists in partnership with the Indian Dental Association (IDA).*Dental camp study by Kantar in 2019 As part of the Colgate Oral Health Movement, over 4.5 million Indians screened their Oral Health across the length and breadth of the country with participation from 18,000+ pin codes covering more than 700 districts. Further, 1/6th of them visited a dentist post-screening (IDA data), thereby reflecting how the Movement successfully nudged Indians towards further action. Additionally, the nationwide Movement has delivered actionable intelligence on India's Oral Health, highlighting key areas that require urgent attention and intervention. The findings will shape the future of Oral Care initiatives in the country. Based on user participation in Colgate's Oral Health Movement, India's average Oral Health score is 2.6 out of 5.0. The Oral Health Score provides a powerful, personalized insight into an individual's oral health by assessing the risk of cavities, gum issues, and stains. A common thread among Indians achieving higher oral health scores was their adherence to specific healthy practices. These included brushing teeth twice a day, moderating consumption of caffeine and sugary beverages, eating a healthy and nutritious diet, and avoiding tobacco. Here's a glimpse of India's oral health landscape: 41% of individuals face a high risk of cavities, 44% are prone to gum issues and 14% report stains 72% of Indians are at high risk for at least one oral health concern while 4% are at the risk of all three (cavities, gum problems, teeth stains) Only 10% of 4.5 million Indians screened, got a dental health score of 5/5 The trends also vary across age groups and regions: More than 60% of Indians above the age of 50 are at a high risk of gum-related issues Eastern India reported the higher incidence of tooth stains, largely linked to tobacco usage Cavities were more common in Kerala, Jharkhand, and Rajasthan, where over 50% of participants in were found at high risk A heightened vulnerability to cavities within two key demographics: 50% of children aged 3–12 years and 72% of older adults aged over 64 years of age. These groups require particular attention and targeted preventive care Out of the 4.5 million respondents, 24% received the lowest score of 1 To further supplement the findings and spur a discussion around the state of India's Oral Health and the path forward, Colgate also held the 'Oral Health Movement Summit' in New Delhi today, in the presence of Shri JP Nadda, Honorable Union Minister of Health and Family Welfare, Government of India, along with other eminent voices in the Oral Care ecosystem for an insightful discourse on India's Oral Health status. Speaking at the Summit, Ms. Prabha Narasimhan, Managing Director & CEO, Colgate-Palmolive (India) Limited said, "For over 87 years, Colgate has proudly been India's most trusted oral care brand, built on a legacy of innovation and science. Optimal Oral Health is simple and affordable - All you need is to invest ₹2 and 2 minutes, twice a day. We recognize that oral health, though crucial, is often overlooked in overall wellness. Improving oral hygiene can also positively impact systemic diseases like diabetes, cardiovascular conditions, and respiratory infections, thus easing the burden on one's own health and the nation's healthcare infrastructure. We acknowledge the Indian government's visionary strides in healthcare policy, from the National Oral Health Program to the National Dental Commission Act. The widespread reach and impact of programs like our Colgate Bright Smiles, Bright Futures® (BSBF) have been instrumental in driving the near-universal penetration of Toothpaste across Indian households. We envision a future where oral health is prioritized through a concerted, policy-driven approach, ultimately opening doors to a healthier life for everyone. Our state-level Public-Private Partnerships (PPPs) for the Colgate Bright Smiles, Bright Futures® (BSBF) program are already paving the way, effectively collaborating with education and healthcare departments in states like Uttar Pradesh, Goa, Assam, Maharashtra, and Andhra Pradesh. This ongoing work is effectively delivering results, demonstrating the power of collective action. The Colgate Oral Health Movement (OHM) has also unveiled vital insights that will help inform the way forward to make Oral Care a part of India's overall healthcare agenda. We stand firm in our resolve to continue our mission by sustaining the momentum that has been created by the Oral Health Movement." Speaking at the summit, Shri JP Nadda, Union Minister of Health and Family Welfare and Union Minister of Chemicals and Fertilizers said, "Colgate's Oral Health Movement in partnership with IDA has transformed oral care from a neglected concern into a national priority. The movement supports the government's National Oral Health Programme launched in 2014. I thank Colgate-Palmolive India Limited for starting this movement and clocking over 4.5 million dental screenings. This initiative has not only raised awareness, but has truly helped integrate oral care into the public health conversations. It's a powerful example of how collaborations such as these, can drive impactful change for a healthier India." Colgate's Oral Health Movement was brought to life with a multi-touchpoint campaign, which ensured a wide reach. Beyond an omni-channel approach to make the QR code, leading to the AI-enabled tool accessible, the company also engaged in on-ground screenings with the Indian Railways, leading corporations, retail outlets as well as at the Mahakumbh. About Colgate Bright Smiles, Bright Futures® (BSBF) Education is absolutely vital for prevention, and our flagship Colgate Bright Smiles, Bright Futures® (BSBF) program has truly been a game-changer. In FY25 alone, BSBF reached over 8.2 million children in 25,000 schools across 11 states, actively spreading vital oral health awareness. Children learn proper brushing techniques, the importance of brushing twice daily, the need for nutritious food, and the harmful effects of tobacco and smoking. We don't do this crucial work alone. We are grateful for our partnerships with local governments that have helped us extend our reach across the country. Additionally, we collaborate with parents, teachers, NGOs, UN bodies, dental and health professionals. By combining our expertise, we accelerate progress, ensuring prevention and good oral hygiene remain top health priorities. Since its inception in the 1970s, this impactful in-school program has reached over 185 million children and their families across India. Going forward, we're committed to reaching over 10 million children year-on-year, laying the foundation for a generation that understands and prioritizes oral health from an early age. About Colgate-Palmolive (India) Limited Colgate-Palmolive is a caring, innovative growth company that is reimagining a healthier future for all people, and the planet. Colgate-Palmolive (India) Limited is the market leader in Oral Care in the country, committed to delivering sustainable, profitable growth for its shareholders, while fostering an inclusive workplace for its people. With a primary focus on science-led innovations in Oral Care & Personal Care in the Indian market, the company is recognized for its leadership and innovative efforts in advancing sustainability and community well-being. Among its recent accomplishments, the company has made significant strides in reducing plastic waste and promoting recyclability, conserving water and energy at its manufacturing facilities, empowering women with financial and digital literacy and enhancing children's oral health through the Colgate Bright Smiles, Bright Futures® program. For more information about Colgate's global business and how it is building a future to smile about, visit: Photo: View original content to download multimedia:
Time of India
12 hours ago
- Health
- Time of India
90% of Indians Suffer Dental Issues, but Only 9% Visit Dentists: National Survey
New Delhi: India is facing a silent oral health crisis. New national data shows that 90 per cent of the population suffers from dental problems, yet only nine per cent visit a dentist regularly. A staggering 41 per cent are at high risk for cavities, 44 per cent for gum disease, and 14 per cent for tooth staining — with 72 per cent of Indians at risk for at least one major oral health concern. The country's average oral health score stands at just 2.6 out of 5. As India advances its healthcare ambitions, oral health — long overlooked — is finally being recognised as a crucial part of preventive care. A year-long Oral Health Movement (OHM), conducted in partnership with the Indian Dental Association (IDA), screened more than 4.5 million people across 18,000+ pin codes and over 700 districts — offering one of the most comprehensive pictures of the nation's oral health to date. Union Health Minister JP Nadda and Prabha Narasimhan, MD & CEO of Colgate-Palmolive (India) Limited, presented these findings at the Oral Health Movement Summit 2025 in New Delhi. On the sidelines of the Summit, Prabha Narasimhan spoke to ETHealthworld's Rashmi Mabiyan Kaur about the company's India-specific strategy in the digital FMCG landscape, the future of oral health, how technology and wellness intersect, and why oral care must be seen as preventive health. She also explained how the company is redefining oral care in India — from AI-powered retail precision and science-led product innovation to its mission of creating healthier generations. Q: Oral health is linked to systemic conditions. What role does your company play in India's broader health ecosystem, and which groups should be more sensitised? Yes, oral health is directly linked to systemic conditions like diabetes and cardiovascular diseases. Our role is to amplify awareness of this connection. While we don't comment on the diseases themselves, we emphasise that better oral hygiene leads to better health outcomes. Groups needing greater focus include: Diabetics, who often suffer from gum issues People over 50, who have a higher incidence of gum disease Young children, whose milk teeth determine the health of their permanent teeth It's critical to start early. Good oral habits formed in childhood can last a lifetime. So, we see our role as not just selling toothpaste, but enabling preventive health across age groups. Q: Based on your company's research, what trends are emerging in India's oral healthcare landscape, especially with snacking on the rise? While we don't yet have long-term data, we are seeing clear shifts. One major change is in snacking habits — Indians now eat 4.5 to 5 times a day on average. It's not five meals — it's constant grazing. Each time you eat, your teeth lose calcium. That makes brushing with a high-quality toothpaste more critical than ever. Lifestyle changes mean health habits must evolve. Just as sedentary lifestyles created a need for gyms, modern eating patterns demand better oral hygiene. The old logic of brushing once a day like our grandparents did doesn't work anymore. Q: Is Colgate aligning its portfolio and innovation pipeline with the demand for natural, Ayurvedic oral care products? Consumers buy benefits, not formats. When people choose a toothpaste, they want freshness, whitening, cavity protection, or pain relief — not just 'herbal' or 'natural.' Those are delivery mechanisms, not the end goals. Our focus is to communicate that science-backed products deliver these benefits effectively. No company invests more in oral care R&D than we do, and we bring that technology to consumers in meaningful, perceivable ways. We're committed to addressing the benefit segments — how we get there, whether herbal or otherwise, depends on what delivers the best outcomes. Q: How are you evolving your company's India strategy to ensure sustained leadership in this digitally driven FMCG landscape? We're evolving in several strategic ways to remain ahead in the Indian FMCG space. First, oral health remains at the core of our mission. Within that, our first pillar is to win with our core brands. Driving volume and growth for these brands is essential. The second pillar is premiumisation. The third pillar is driving toothbrush usage. We're market leaders in toothbrushes, but India's average replacement rate is once every nine months — while dentists recommend replacing them every three. We aim to educate and shift consumer behaviour here. Our fourth pillar is diversification, which includes everything beyond oral care. We're growing in the hand wash and body wash segments. We're also evaluating what we can bring in from our global portfolio to strengthen this arm. Q: How are you integrating AI across operations? On the tech front, AI, ML, and digital tools are embedded end-to-end in our operations. We reach 1.7 million stores daily, and what our reps recommend at each store is AI/ML-powered. Even two stores in the same locality may receive completely different product recommendations based on their unique shopper profiles. In manufacturing, most of our factories operate using digital twins, allowing us to monitor processes in real time and ensure top-notch quality. In marketing, we leverage first-party data and cohort targeting, combined with Google's AI suite, to create and adapt content rapidly for specific audiences. It's an exciting time — and we're only scratching the surface of what tech can do for us.
Mint
22-05-2025
- Business
- Mint
Best stocks to trade today, 22 May, as recommended by Trade Brains Portal
On Wednesday, Nifty 50 rose 0.52% to close at 24,813.45 while Sensex closed at 81,596.63, up 410 points, supported by strong gains in all major sectoral indices. Today, we recommend two stocks, one from the FMCG sector and the other from the mining & mineral sector. Best stocks to trade as recommended by Trade Brains Portal Coal India Ltd (Current price: ₹ 405) Despite privatization in coal mining through government auction, the company enjoys a monopoly, controlling 48% of India's proven reserves and contributing 78% of the total domestic coal production. Revenue from operations stood at Rs. 1,43,369 crore as of FY25, which has been growing at 12% CAGR since FY21. The company has significantly improved its margins through better cost realizations. Net profit margin stood at 24.6% in FY25, up from 15.36% in FY21, with a dividend payout ratio of 46%. Additionally, CIL has distributed ₹5.15 per share as a final dividend for FY25, along with an interim dividend of ₹5.60 and ₹15.75 per share. CIL has a high dividend yield of 6.5% for FY25. The company expects to achieve 1 billion tons of coal production by 2028-29 and 1.22 billion tons of coal production by 2034-35. To achieve this guidance, the company plans to do a capex of ₹16,000 crore to increase its washing capacity, coal mining capacity, first mile connectivity (FMC) projects, and development of rail infrastructure for improving evacuation capabilities. Also Read: Can Coal India reinvent itself fast enough to ride energy's imminent disruption? In November 2024, CIL commissioned its largest solar installation to date, a 50 MW plant at Nigahi under Northern Coalfields Limited, demonstrating its diversification towards renewable energy as India strives to reach 500 GW from non-fossil sources by 2030. Additionally, Coal India plans to supply 4500 MW of carbon-free energy, in a phased manner, to upcoming green ammonia facilities, making it one of the world's largest renewable energy contracts. Colgate-Palmolive (India) Ltd (Current price: ₹ 2,659) The company has declared a 2nd interim dividend of ₹27 per share, with a total dividend of ₹51 per share for FY25. Colgate continued to maintain product superiority through the relaunch of 'Colgate Strong Teeth." The company has introduced India's largest oral health initiative, the Oral Health Movement, which provides personalized dental screening reports powered by AI. Demonstrating a commitment to innovation, Colgate has also implemented an AI-ML-driven system to offer tailored product recommendations to 1.7 million retail outlets. This strategy has led to a 14% improvement in product assortment over a two-year CAGR, with participating stores showing 1.2 times higher growth than others. According to company, estimates, around 272 million households purchase toothpaste over seven times a year, with an average of 1.5 tubes per purchase, resulting in approximately 2.3 billion tubes sold annually. The Indian toothpaste market is expected to grow at a CAGR of 4.23% between 2025 and 2034, reaching $2,180 million by 2034. In FY25, the overall revenue of toothpaste and oral health amounted to $1.96 billion, and in terms of per-person revenue, India generated $1.35 per individual in FY25. The oral care market is driven by increasing oral health awareness, increased disposable income, and demand for premium dental products. An uptrend in toothpaste consumption is observed, with the rapid expansion of distribution channels across the country and the faster-than-ever evolving e-commerce sector, contributing to the Indian toothpaste market growth. The e-commerce market, valued at $125 billion in FY24, is expected to reach $325 billion by 2030, exhibiting a growth rate of 5-17%. The company also faces concentration risk, as approximately 95% of revenues come from the oral care business. Also Read: DLF's Q1 launches to set the tone for FY26 pre-sales trajectory Market Recap The Indian market opened on a positive note today, with Nifty 50 opening at 24,744 and reaching an intraday high of 24,946, up by 262 points or 1.06%, whereas BSE Sensex opened at 81,327.61 and peaked at 82,021.64, up by 835 points or 1.03%. Nifty 50 closed at 24,813, up by 129.5 points, or 0.52%, with an RSI of 59.87 and above the 20/50/100/200 EMA in the daily time frame. The BSE Sensex closed at 81,596.63, up by 410.19 points, or 0.51%, with an RSI of 58.8, and above all four EMAs. Nifty Realty was among the top gainers today, closing at 938.70, surging by 15.9 points, or 1.72%, with Raymond Ltd. leading the index, gaining 2.91%, and continuing its rally due to its real estate segment demerger update. Nifty Pharma was up by 267.5 points, or 1.25%, and closed at 21,723.65. This rise came after the news about price cuts on the branded drugs by the US Department of Health and Human Services (HHS), which came as a relief to generic & biosimilar medicine producers in India. Nifty Consumer Durables was the only major index in the red today, closing at 37,961.55, down by -0.49% or -187 points. The major laggard for this index was Dixon Technologies, which was down 5.76%. Also Read: IDFC's growth hits a speed bump. Is the stock's bounce-back at risk? Trade Brains Portal is a stock analysis platform. Its trade name is Dailyraven Technologies Pvt. Ltd, and its Sebi-registered research analyst registration number is INH000015729. Investments in securities are subject to market risks. Read all the related documents carefully before investing. Registration granted by Sebi and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Disclaimer: The views and recommendations given in this article are those of individual analysts. These do not represent the views of Mint. We advise investors to check with certified experts before making any investment decisions.
