विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

I'm 35, looking for term insurance for 50L to 1cr. Please suggest which one will better with little affordable premium.. my LIC agent is telling me all good about LIC.. but I'm unable to understand when I do google then in none where LIC comes? Also there so many add on in which add ons insurance one should take while taking term insurance please advise. Thank you

Sir , i am 29 year old male currently earning 1.4 lakh per month in hand salary and 60 thousands per month (side income which is temporary for few more years may be 2 years). I have 31.5 lakhs home loan with 9.5 % floating interest for 18 years. Personal loan of 1.4 lakh with 11% interest 7 months remaining. Gold loan of 2 lakh with due date in 10 months. Every month i am paying emis of 31000 home loan 21000 personal loan (7 more months) 23000 chit fund(6 more months) I have 4.5 lakh mutual/stocks investments. Gold worth 1 lakh and no Fixed deposits. I have Chit fund ( with friends ) which expires in 6 months with 5 lakhs amount. I have an Term policy of 1 crore for which i pay premium of 35k annually for 5 more years. I had planned a wedding in one year with 10 lakh expenditure. I have zero emergency fund like fd or any other savings Please guide me best option for better investment ,emergency fund and to have a comfortable corpus till i retire by the year 2040. Till now i have no savings in whatever form it is Iam unmarried

I am 43 and have approx 5cr invested in real estate into two different properties other than the house I live in (the premium that I have got over years may not be a white money when I will plan to liquidate) , another 17L in stocks (which are heavily beaten down for now and 17L is a beaten down value), along with some 20L in company PF accounts , and some 6L of emergency funds. I have a child of 5 yrs of age to support and wife also works. Apart from it, I got no medical or term insurance, I am looking forward for a retirement in another two years max. I dont have any ongoing loan and live a simple life. Can I plan it successfully ? (I draw a salary of not more than 1L per month after tax. )

hello sir,I worked in Dabur , sahibabad, UP from March 1995 to February 2005 till the age of 34 years. There was monthly deduction of PF from my salary throughout this period and I used to get yearly PF statement. I didn't withdraw my PF till now. After 20 years, this month when I went personally to Meerut EPFO to claim my PF and pension, they said my EPF claim was settled in November 2005 through form 9 without giving any further details and closed the communication. I am absolutely not aware of how and when it was settled. Please let me know whom to approach and why they are saying it was settled in Nov.2005 through form no. 9? What about my pension which also I haven't got till now. I am 54 years of age at present. Please guide. Thanks

I need your support regarding the higher pension scheme of EPFO. I applied for this scheme, but my application was rejected. From what I understand, my request was rejected because my previous employer, Mphasis Ltd., is considered an exempted establishment. However, to the best of my knowledge, when I was employed with Mphasis from 2009 to 2012, it was not an exempted establishment for PF. Could you please assist me in replying to the PF department? Is there any way to get my application approved? Thank you so much in advance.

I am 54. Was in employment with pvt company for 22 years before losing job last year. Can I try to get the EPS? (I was employed for 6 years in other companies before that as well, but not sure how to check EPS contribution for those).

61 lakhs home loan. I am 40 earning 1.1lacs and wife 35 earning 48k. Gold 8lakhs and fd 4lakhs. Please advise how to close home loan 21lacs and 40lakhs top loan ASAP.

Need to withdraw my old PF

I have a monthly income of 2.4lakhs and house emi of 1 lakh with possession in 2 years, I have 16lakhs saving for registration and interiors and my monthly expenses including rent comes around to 70k, i have 10lakhs in mf and shares and 5l in savings account, i have physical gold of approximately 15l,please let me know what changes are needed

Helo sir, I am 60 years old and have been working in a private institution in hyderabad for 9.7 years. Im.also contributing to my epf account since then. I retired on superannuation @ 58 in August 2023 when i had completed just 7.5 years of service. As im 60 now and completed 9.7 years of service this month, am i eligible for monthly pension? I submitted firm10D online few days ago, but it has been rejected by EPFO stating that im not eligble for monthly pension and i was asked to submit form 10C. Kindly advise.

Hi Sir, Me and my husband together earning 3.5lak per month. Currently we have a car loan for 33laljs for 2.75 years. 1,17,000 emi per month. Gold savings 20lakh. Own a land worth 10lakh. no personal loan. No other investment. After 2.75 years or car loan, can I buy a house worth 1.6 crore. With monthly emi around 1.5lakh

Hi Sir, I have recently saved Rs 2 lakh and I would like to invest it for decent returns over the next 3 to 4 years. I am okay with moderate risk. What are my best options? Should I go for mutual funds, debt funds, or something else?

Hi Sir, I'm 42years old. I've a outstanding HL of 32 lakhs with EMI OF 35OOO,12 more years of prepayment left and a car loan of 2 lakhs with 5k emi and 4 years left.I've 10lakhs in MF,14 lakhs in PPF,7 lakhs in FD's and 4 lakhs in stocks.My take home is 1.70 lakhs pm. Should i repay a part of my HL using my savings.Please suggest.

I have lic jeevan saral policy plan 165 from June 2010 for 15 years with life coverage of Rs50000/- . Age at the time of policy 52 and Yearly premium Rs 24020/ Please inform maturity value at June 2025

I am 43 with a teenage son who will likely go to college in the next 5 to 7 years. I have an outstanding home loan of 80 lakh and 9 lakh personal loan. My monthly income is 2.5L, and I'm currently servicing EMIs of 1.57 lakh. I have accumulated 18L in mutual funds, 5 lakh in FDs, and 2 lakh in gold. Should I use a portion of my investments now to prepay the personal loan? Or should I continue with EMIs so that I preserve these investments for my child's education?

Hello, I am looking for a lumpsum investment option for an amount of about 60lacs. I am looking for long term investment option of about 15 years. I am aged 45 now and willing to use these returns towards my retirement. Thanks

My wife and I earn Rs 60,000 to 1,25,000 per month. I have a 28 lakh loan taken 2.5 years ago at 9.5%. I plan to prepay it fully in the next 3 years. I have surplus funds I could either use for prepayment or invest in mutual funds or equity markets. Given current equity returns ( approx. 12 to 14 per cent CAGR), would investing be better than loan prepayment (saving approx. 9.5% interest)? Also, is refinancing to another bank at less than 8.5% or a balance transfer advisable now?

Hi I am a govt employee with a gross salary 1.25 lakhs per month, I have a 2 home loans 26000EMI with 137 month tenure @8.65 interest rate and 27800EMI with 214 months tenure @8.2 interest rate. And two top-up loans 13LK with 154months tenure @9.7intrest rate and 17LK with 144months @8.5intrest rate and a personal loan of 6LK with 32months tenure @10.25 interest. Have Term insurance policy for 1Cr and Health insurance for 10LK. 12000 per month rental income. Sufficient investment in open plots.Please advise further

Kya main 1995 main mere pitaji dwara kharide gaye physical share certificate ka dawa kar sakti hu

Dear Sir, I am 38 years old with a home loan of 81 lakhs outstanding. My EMI is Rs 1.05 lakhs, and I have 12 years left in the tenure. Additionally, I have a personal loan of 9.5 lakhs with an EMI of Rs 52,000 and 15 months remaining. My monthly income is 2.8 lakhs. I have mutual fund investments worth 18 lakhs, gold worth 4 lakhs, and a fixed deposit of 5 lakh. Should I use some of my savings to prepay these loans or continue paying EMIs and let my investments grow?

Dear Sir, I have taken an LIC policy jeevan shree on 31st Jan' 2002 with sum assured of 5 lacs and yearly premium of 24520. What maturity proceed can I expect in 2027. It had a premium paying term of 16 years and maturity of 25 years.

Hi Sir, If I have some lump sum amount 1lakh. Where should I invest to get good growth in 3-4 years. Could you please advise? Thanks in advance

HOW TO CHOOSE HEALTH INSURANCE

Dear Guru's, I didn't renew my co-operate health insurance for my mom this year, thinking I'll get a private health insurance and my research kept on dragging till now to find one private health insurance..I did find...but suddenly now we have a situation for varicose vein treatment for my mom..now I'm without insurance in the hand....is there anything I can do...my co-operate insurance covers with no waiting period (can only purchase next year apr-2026)..but if I take a private health insurance now after 3 yr the treatment will be covered. I'm stuck now.. wether i should pay out of my own pocket or wait until next year...?

Namste sir mera naam badshah hai Me aditya birla sun life psu me nivesh karna chahta hu har mahine 1000 rupye ke hisab se 15 saal ke liye kya ye sahi rahega?

Sir, I am 38 years old and presently investing in MF through monthly SIPs of Rs. 30,000. Presently my Corpus is Rs. 35 lacs. Apart from that I have Corpus of Rs. 30 lacs in NPS and monthly contribution including me employer contribution to NPS is 27000 per month. Now I have availed a Housing loan and as such I will be reducing my SIP from existing 30000 per month to 10000 per month. Kindly let me know with existing portfolio as I will not withdraw the Mf Corpus and NPS for the next 20 years, can I accumulate 3 crores in next 20 years. My monthly NPS contribution will continue till I attain 60 years. Also assuming the present Corpus and future SIP of 10000 per month, what will be my Corpus when I attain 60 years.

Dear Sir, I am 40 years old. I have a home loan with an outstanding amount of 98 lakhs, an EMI of 1.32 lakhs, and a remaining tenure of 102 months. I also have a personal loan with an outstanding amount of 11.3 lakhs, an EMI of 65,000, and a remaining tenure of 19 months. My current salary is 6.5 lakhs per month. I have investments in stocks and mutual funds worth 66 lakhs, gold worth 9 lakhs, fixed deposits worth 10 lakhs, and a PPF account worth 8 lakhs. Please advise whether I should make a prepayment towards my loans or continue with my EMIs and allow my investments to grow.

rediff.com Rediff Gurus Logo Hi SATISH MISHRA | Sign Out HealthHealth MoneyMoney RelationshipRelationship CareesCareer Ask your questions about health, money, relationship or careers here Ask Anonymously SATISH SATISH 3 Questions 12 Answers 0 Gurus 0 Bookmarks These questions will be answered soon. Not Answered yet SATISH Asked on - Apr 29, 2025 I have 10 L lump sum. I want to park it and then do STP. I have two debt funds Nippon liquid and Axis Short term fund, which one will be better to park for stp? How much time should be given to move this to equity by STP. I have Nippon and ICICI large cap, hdfc mid cap,Nippon multi cap and hdfc hybrid equity. Which would be better and how much stp every month? Or do I need to open one more fund for STP? Please guide me for horizon of 6 years

Im 32yo married working women. These are my monthly investments in different instruments, kindly suggest if I'm going in the right direction: Monthly sip amount Rs 15000 Monthly rd amount Rs 12300 & Im planning to contribute in the range of 120000 to 150000 annually on ppf My monthly NPS contribution from both employer n me combined is Rs 9500 My goal is retirement planning & to meet long term financial needs of family. Please evaluate.

Let me know the retirement plan

Dear Sir, What is wise decision to invest whether in Flat purchasing Mumbai or Pune for about 85 lacs-2 BHK ( 70% should be loan ). Or go for Plot Purchase of around 2000 sq,ft in Nagpur of around 40 lacs with minimal loan amount. Which investment will provide good returns after 10 yrs. However, I have already two flat in two different city . If you ask about the invest in Market or SIP that slowly i am doing and already planned very well . Specifically I want suggestion on the two alternatives for investment .

I want to buy a commercial space in Pune somewhere in the year 2028. How should I plan my finances? I am freelancer with no fixed mo thly income

I am 41 years old male working in a private firm and investing from 2017 in MFs and accumulated around 20 lakhs. My target is to achieve 3 crores in 15 years ( from 2025 ) . My portfolio is given below , Apart from MF investing NPS & PPF and some times in Direct equity. Question : 1) Is my fund selection ok , With this current Portfolio along with 10 % Stepup can i achieve my goal. 2) Is SBI blue chip & HSBC small cap funds ok or do I switch to other funds ? 3) Want to invest 5000 more, in which fund should I allocate ? 4) Shall I stop PPF and that money I divert to a mutual fund? 5) Some other funds are also there in my portfolio which I stopped SIP but did not withdraw the amount. What is the best strategy in this case? Mutual Funds S/no Fund name Amount (RS) /month 1 SBI Blue Chip fund 5000 2 Parag Parikh Flexi Cap fund 10000 3 Kotak Multicap Fund 5000 4 Motilal Oswal Mid Cap fund 10000 5 HDFC Mid Cap opportunities 5000 7 HSBC Small Cap fund 5000 8 Nippon India Small Cap fund 5000 Total 45000 S/no NPS Amount (RS) /month 1 Tier -1 7000 2 Tier -2 3000 PPF Amount (RS) / year 1 ICICI PPF 60000

We are a Private Limited Company with an employee strength of 60, and we strictly follow all PF rules. As per the applicable salary criteria, we contribute to the Provident Fund wherever required. Recently, we discovered that an employee who joined our company two years ago has an existing UAN linked to their Aadhaar. However, at the time of joining, the employee declared in Form 11 that they did not have a PF account. Based on this declaration, we did not contribute to their PF account. Now, the employee states that they were unaware of their PF account, and the UAN linked to their Aadhaar is currently inactive. Furthermore, they do not wish to activate their PF account. Given this situation, should we present Form 11 as valid proof for non-contribution, or are there any corrective actions required to comply with PF regulations? Kindly guide us on the appropriate steps to take in this matter.

Hi Sir, I had worked in a Pharma company since 1990 till 2004 with all the PF and Pension fund contributions paid. However I subsequently changed the organisation and a new PF no was allocated alongwith UAN No which I left in the year 2013. I do have a Scheme Certificate from the previous company but no UAN No (as the UAN nos came subsequently) and the older PF account has an erroneous DOB for which Y am persuing the previous employer. Now I wish to club the two PF accounts together. How to go about. Please guide and enlighten. Thanks and Regards Kanwaljit Singh

I am 43 years old and an aggressive investor and I started investing 1 lac per month in SIP in 2019. These are my current funds of 20k each per month : 1. CANARA ROBECO EMERGING EQUITIES 2. HDFC MID-CAP OPPORTUNITIES FUND 3. SBI FLEXICAP FUND 4. ICICI PRUDENTIAL BLUECHIP FUND 5. NIPPON INDIA SMALL CAP FUND In 2024, i started to invest another 1.8 lacs per month split in the following funds : 6. Quant Small Cap Fund 7. Motilal Oswal Midcap Fund 8. Canara Robeco Infrastructure 9. Quant Large and Mid Cap Fund 10. Bandhan Small cap Fund 11. Quant Commodities Fund 12. LIC MF Manufacturing Fund 13. Quant Dynamic Asset Allocation Fund 14. INVESCO INDIA LARGE AND MID CAP FUND 15. SBI Automotive Opportunities Fund 16. Motilal Oswal Large and Midcap Fund Could you share your views on my overall portfolio please, and if I should change any of them ?

I retired at an age of 58 from a private company and my PF contribution stopped. After 3 months I applied for Pension and I am getting it regularly. I shall be of 59 shortly in May 2025. I want to know till what time I keep getting interest . I am seeing confusing statements that account becomes inoperative at 58 as EPF takes age of retirement as 55. - Deepak Patwardhan

Please advise, shares of ril be purchased for dividend and adding more shares for long term

Hi please let me know how much is fees for a CFP..

क्या मुझे 40000 वार्षिक प्रीमियम वाले एसबीआई फ्यूचर बिल्ड लॉक-इन पीरियड लाइफ इंश्योरेंस में निवेश करना चाहिए?

क्या मुझे 38 साल की उम्र में अपने ईपीएफ से पैसे निकालने के बाद अपनी सेवानिवृत्ति की योजना को फिर से बनाने की कोशिश करनी चाहिए?

वित्तीय विशेषज्ञ की SWP सलाह: क्या मैं बेहतर रिटर्न की उम्मीद कर सकता हूँ?

क्या मुझे अपना गृह ऋण समय से पहले चुका देना चाहिए या 30 लाख रुपये कहीं और निवेश करना चाहिए?

क्या मुझे 59 साल की उम्र में अपना पीएफ फंड निकाल लेना चाहिए? | पाठक का प्रश्न

मेरे बेटे की जीवन श्री पॉलिसी की परिपक्वता पर मुझे कितनी राशि मिलेगी?

रिलायंस पेट्रोलियम शेयरों से आरआईएल शेयरों तक - अब क्या करें?

एलआईसी पॉलिसी जल्द ही परिपक्व हो रही है - मेरे बेटे को कितनी राशि मिलेगी?

बेरोज़गारी और कर्ज में डूबे होने पर क्या मैं अपने शिक्षा ऋण की EMI रोक सकता हूँ?

क्या मुझे उन म्यूचुअल फंड्स को रखना चाहिए या बेचना चाहिए जिन्हें खरीदने के लिए मुझ पर दबाव डाला गया था?

38 वर्ष की उम्र में ईपीएफ निकाल लिया, कोई सेवानिवृत्ति बचत नहीं: क्या मैं इसे वापस पा सकता हूं?