35 वर्षीय व्यक्ति में उच्च HbA1c: दवा या जीवनशैली में बदलाव?

Ans: Hello Pooja
Keep hopes alive for GFTIs and IIITs with a branch compromise condition. Parallel, explore other options too.
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam

Ans: You have made a great start at the age of 30. Investing early builds strong financial foundation. You are investing Rs. 15,700 per month, which is a healthy amount. You are also planning to increase it to Rs. 20,000 monthly. That’s a smart move. You also have Rs. 5 lakhs for lump sum investing. Now let’s evaluate your mutual fund choices, portfolio structure, and ideal action plan.

Age, Time Horizon and Investment Profile
Age: 30 years

Investment horizon: 15 years

Monthly SIP: Rs. 15,700 currently

Planning to increase to: Rs. 20,000

Lump sum available: Rs. 5 lakhs

Your strengths:

Long time horizon gives high compounding benefit

SIP is already running in good amount

You are open to increasing your investment

You are thinking long term. That’s the right mindset

Let’s analyse your mutual funds in a structured way.

Analysing Your Existing SIP Portfolio
1. Small Cap Exposure
Two small cap funds: Rs. 7,500 per month

These are high-risk, high-return funds

You are investing 48% of SIP into small cap category

That is a high concentration for a young portfolio

Small caps can be very volatile

Better to reduce exposure a little

2. Mid Cap Exposure
One mid cap fund: Rs. 5,000 per month

Mid cap funds are ideal for long-term investors

They balance growth and stability

32% allocation to mid caps is fine

3. Flexi Cap Exposure
One flexi cap fund: Rs. 3,000 per month

Flexi cap funds give fund manager freedom to move between cap sizes

These are good for diversification and dynamic allocation

You can increase allocation here

4. Index Fund (ETF)
Monthly investment: Rs. 200 only

You mentioned it as Nifty 50 ETF

This is an index fund

Index funds have no flexibility

They can’t protect in falling markets

They follow the index blindly

Active funds have proven to beat index consistently over time

Avoid index funds in wealth creation journey

You may exit this and reallocate to active funds

Suggested Portfolio Changes
You aim to invest Rs. 20,000 per month going forward. Let’s realign your portfolio with a strong mix.

Suggested fund category allocation:

Small Cap Funds: 25% of SIP

Mid Cap Funds: 30% of SIP

Flexi Cap Funds: 25% of SIP

Large & Mid Cap Funds: 20% of SIP

New monthly SIP allocation suggestion (Rs. 20,000 total):

Small Cap: Rs. 5,000

Mid Cap: Rs. 6,000

Flexi Cap: Rs. 5,000

Large & Mid Cap: Rs. 4,000

Key actions to take:

Reduce SIP in one small cap fund by Rs. 2,500

Continue with one small cap only. Pick the more consistent one

Increase allocation in Flexi Cap fund

Introduce one Large & Mid Cap fund to diversify

Exit the index ETF fund completely

It adds little value and lacks protection in correction

Should You Invest Rs. 5 Lakhs as Lump Sum or SIP?
This is a very important question. Your decision must consider market timing risk.

Risks in lump sum investing:

If market falls just after lump sum, portfolio value drops

Emotionally it becomes hard to continue

Market may not recover quickly

You may exit at wrong time if not mentally prepared

SIP offers smoother entry:

Rupee cost averaging works well in SIP

Emotional comfort is higher

Volatility is absorbed better

You avoid regret of wrong timing

Best way to invest Rs. 5 lakhs:

Do not invest all in one go

Spread it over next 6 to 9 months

Do STP (Systematic Transfer Plan) from liquid fund to equity funds

This gives safety and gradual market exposure

Choose funds where you are continuing SIP for long term

Avoid lump sum in small cap or sector funds

Suggested STP action:

Put Rs. 5 lakhs in a low-risk liquid fund

Transfer Rs. 55,000 to Rs. 80,000 per month into chosen equity funds

Use the same four fund categories for STP

Asset Allocation View for 360-Degree Planning
You are young. You can afford high equity exposure. But that doesn't mean 100% small caps.

Suggested equity exposure:

Total equity exposure: 90%

Liquid/emergency: 10%

You can take this exposure for next 10 years

Ideal allocation among equity styles:

Large cap and large & mid cap: 30%

Mid cap: 30%

Small cap: 20–25%

Flexi cap and multi cap: 15–20%

This structure gives better balance. It protects from high volatility and improves long-term returns.

Regular Funds vs Direct Funds
You didn’t mention if you are using direct plans. If yes, then please note these:

Disadvantages of Direct Funds:

You get no guidance during market volatility

You may stop SIP at wrong time

No proper rebalancing or strategy check

Emotionally hard to manage alone

Many direct investors make mistakes in fund choice and exit timing

Benefits of Regular Funds through Certified Financial Planner:

Ongoing tracking and review of your portfolio

Behavioural coaching during market fall

Proper rebalancing and performance audit

Long-term handholding for goal-based planning

Worth more than the small trail cost involved

For long-term wealth creation, professional support is very useful.

Additional Suggestions for Long-Term Success
Emergency Fund Planning:

Keep 6 months expenses in a liquid fund

Never invest this portion in equity

Insurance:

Take pure term insurance if not yet done

Health insurance for self and family is also must

Periodic Review:

Review your SIP funds every 12 months

Do not change funds based on short-term return

Stick to the goal and asset allocation

Avoid These Mistakes:

Do not invest in traditional LIC plans, endowment or ULIP

Avoid high exposure to sector or thematic funds

Don’t go for trending new funds or NFOs

Avoid real estate for now. Liquidity is poor and returns are slow

Do not invest in index funds unless portfolio is very large

Taxation Point to Note:

Equity mutual funds: LTCG above Rs. 1.25 lakhs taxed at 12.5%

STCG taxed at 20%

Debt fund returns taxed as per your income slab

Plan redemptions carefully to reduce tax impact

Finally
You have a great start at 30.

Keep investing consistently for 15 years

Reduce small cap exposure a little

Remove index fund ETF from your SIP

Use STP for Rs. 5 lakhs investment

Add one large & mid cap fund to portfolio

Review regularly with a Certified Financial Planner

You are on the right path. With a few changes and disciplined investing, you will build long-term wealth.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Current Family and Financial Profile
Age: 55 years

Retirement planned: In 3 to 4 years (Age 58–59)

Family: Wife (homemaker/earning not mentioned), two children (aged 18 and 12)

Corpus:

Mutual Funds: Rs. 4.70 crores

PPF: Rs. 51 lakhs

Assets: Own residence (two properties)

Monthly expense: Rs. 2.5 lakhs (likely to increase with inflation)

Desired monthly income in retirement: Rs. 3.5 lakhs

No loans or EMIs

Children’s education expenses:

Elder: Rs. 45 lakhs over 4 years

Younger: Rs. 50 lakhs, to be spent over 4 years starting after 6 years

Acknowledging Your Current Strengths
You have zero liability. This gives a strong starting base.

You own two residential properties. That gives long-term housing stability.

Your current corpus size is encouraging.

You have well-structured long-term instruments like Mutual Funds and PPF.

You have a clear idea about your future cash flow needs. That’s very helpful.

Expense vs Income: Present and Future
Current monthly expense: Rs. 2.5 lakhs

Expected retirement income: Rs. 3.5 lakhs per month

This gap of Rs. 1 lakh is reasonable and achievable.

However, post-retirement expenses may rise due to inflation.

Inflation impact (very important):

In 10 years, even 6% inflation doubles monthly expenses.

So, Rs. 3.5 lakhs today will be Rs. 7 lakhs after 12 years.

Your corpus must factor in this increasing need.

Immediate Financial Commitments: Children’s Education
Elder child (Engineering)

Starting this year

Total expense: Rs. 45 lakhs in 4 years

You will withdraw Rs. 11-12 lakhs per year

This will slightly slow your corpus growth

Younger child

Education expense of Rs. 50 lakhs

Will be needed 6 years from now

Will span across next 4 years after that

Better to create a separate, moderately aggressive plan for this

Action Plan:

Ringfence Rs. 1 crore from corpus for both children’s education

Keep this portion in hybrid or balanced funds

Withdraw in tranches as required

Avoid debt funds if redemption horizon is short

Avoid direct stock exposure for this portion

Retirement Corpus Requirement Assessment
Your goal is Rs. 3.5 lakhs per month post-retirement. That’s Rs. 42 lakhs per year.

You plan to retire in 3–4 years. You’ll need inflation-adjusted income for next 30 years.

Factors considered here:

Monthly withdrawal from age 59 to 85+

Inflation-adjusted income

Healthcare costs increase after age 65

Regular expenses

Periodic travel or leisure

Major life events like marriages, gifting, home maintenance, etc.

Total corpus needed (excluding children's education):

Based on your lifestyle and inflation

You need around Rs. 12.5 crores to Rs. 13.5 crores

This includes buffer for emergencies and rising medical costs

Your Current Position: Gap Analysis
Current mutual fund corpus: Rs. 4.70 crores

PPF corpus: Rs. 51 lakhs

Total current investable corpus: Approx. Rs. 5.21 crores

From this, earmark Rs. 1 crore for both children's education

Effective available retirement corpus: Rs. 4.21 crores

Required corpus at retirement: Rs. 13 crores approx.

Additional requirement: Around Rs. 9 crores more in next 3–4 years

This may look large. But you still have time to grow the corpus.

Steps to Bridge the Gap
1. Invest Aggressively and Strategically for Next 3–4 Years
Focus on high-growth mutual fund strategies

Use actively managed diversified equity funds

Avoid index funds due to lack of flexibility and inability to beat market consistently

Index funds carry hidden risk in falling markets. They blindly follow index movement.

Instead, select active funds with quality fund managers and long-term track record

2. Avoid Direct Funds if Not Monitored Properly
Direct funds save commission, but lack professional hand-holding

Many investors underperform due to wrong timing or switching

Investing through a MFD (Mutual Fund Distributor) with CFP certification adds personalised planning

Regular funds ensure long-term behavioural discipline and portfolio reviews

You avoid emotional mistakes in volatile periods

Peace of mind and handholding is worth the trail cost

3. Regular Investments Until Retirement
Every year till retirement, invest at least Rs. 15–20 lakhs

Prefer SIP + lumpsum when market provides opportunities

Deploy idle funds wisely but avoid overexposure to small caps

Stay away from sector-specific or thematic funds

Asset Allocation: Pre and Post Retirement
Current Phase (55 to 59 years)

Equity-oriented mutual funds: 70%

Hybrid/Conservative Hybrid: 20%

PPF & Liquid assets: 10%

Post Retirement (59 years onwards)

Equity: 50% (for growth and inflation protection)

Hybrid: 25% (for stability)

Debt/Liquid: 25% (for regular withdrawals and low volatility)

Keep minimum 3 years' expenses in debt funds or liquid sources

Important:

Always follow proper SWP (Systematic Withdrawal Plan)

Rebalance portfolio once a year

Increase withdrawal only after reviewing portfolio health

Additional Planning Areas to Address
Medical and Health Care Costs
Buy a comprehensive health insurance (if not already covered)

Consider super top-up plans for higher medical cover

Medical inflation is higher than general inflation

Allocate Rs. 1 crore over time for health-related expenses

Emergency Fund
Maintain Rs. 20–25 lakhs in ultra short-term funds or liquid funds

Do not touch it for any planned expenses

This is only for unexpected emergencies

Estate Planning
Create a Will

Mention all investments, nominee details clearly

Appoint a trustworthy executor

Educate family about how to access financial documents

Retirement Lifestyle Planning
Think about lifestyle goals post-retirement

Leisure, travel, social goals should be part of the plan

Allocate 10% of retirement corpus for non-essential goals

Avoid These Common Mistakes
Do not invest in traditional insurance plans

Avoid ULIPs, endowments, or investment cum insurance policies

Do not lock large amounts in FDs with poor post-tax returns

Avoid real estate as a retirement asset. It's illiquid and risky.

Do not depend on annuity plans. They offer poor returns and no flexibility.

Don’t withdraw large amounts from equity when market is down

Tax Planning in Retirement
Keep equity exposure for tax efficiency

LTCG above Rs. 1.25 lakhs taxed at 12.5% only

Avoid large STCG in equity mutual funds. Tax is 20%

For debt mutual funds, both LTCG and STCG are taxed as per income slab

Use SWP to reduce taxable income smartly

Use senior citizen schemes (if needed) in a limited way

Finally
You are already in a good position.

But there is a visible gap in future requirements.

Focus next 4 years on wealth building with right mutual fund strategy.

Avoid distractions like poor-performing traditional plans

Continue disciplined investing

Your goal of Rs. 3.5 lakhs per month is possible

But only with planned execution, proper asset mix and professional guidance

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: I appreciate your interest in wealth creation. However, I could not find your financial details in the message you shared.

To give you the right suggestions, I need the following:

Your current investments (amount and type)

Insurance details (term, health, traditional, etc.)

Monthly income and expenses (approximate)

Any loans (type, amount, EMI)

Future goals (retirement, children’s education, etc.)

Existing SIPs or mutual fund investments

Emergency fund availability

Real estate or property status

Any other financial commitment

Please provide these details. I can then give you personalised, 360-degree guidance.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You have taken some good steps towards financial discipline. Your efforts to diversify across various instruments and maintain insurance coverage are appreciated. I will now evaluate your financial situation under different aspects, and guide you with actionable steps for wealth creation in a simple and clear manner.

Emergency Fund
You haven't mentioned a separate emergency fund.

Emergency fund is essential before investing.

It should be at least 6 months’ monthly expenses.

Include EMIs, insurance, household, and medical costs.

You can use a savings account or liquid fund for this.

Do not use fixed deposits or mutual funds for this.

Keep this fund easily accessible.

Life Insurance and Health Cover
Your term insurance of Rs 50 lakhs is a good start.

But it may be on the lower side.

Cover should be 15–20 times your annual income.

LIC Jeevan Anand is a traditional plan.

These plans give low returns and poor liquidity.

It mixes insurance with investment.

It is better to have pure insurance and invest separately.

You can surrender this LIC plan.

Reinvest proceeds in mutual funds via regular plans through CFP.

You have Rs 5 lakh medical insurance.

This is fine if employer also gives coverage.

If not, increase it to Rs 10–15 lakhs.

Add a top-up health plan for better coverage.

Health costs are rising fast every year.

Loan and Property
Your home loan of Rs 28 lakhs is manageable.

You are paying extra Rs 8000 per month, which is good.

This helps reduce interest and tenure.

Since property is rented out, income supports EMI.

But do not rely on rental for wealth creation.

Real estate gives poor liquidity and high maintenance.

Instead, increase allocation to financial assets.

You can continue prepaying loan if no better options available.

But balance between loan repayment and investment is key.

Fixed Deposit and Recurring Deposit
You have Rs 3.75 lakhs in fixed deposit.

You invest Rs 2000 per month in RD.

These are very low-yield products after tax.

Returns may not beat inflation.

Use these only for short-term goals.

For long term, prefer mutual funds.

Shift RD to a Systematic Investment Plan (SIP) in equity funds.

Keep FD only as part of emergency fund or short-term goals.

PPF – Public Provident Fund
Your PPF balance of Rs 10 lakhs is very good.

It is safe and tax-free.

It gives fixed returns and supports retirement.

Continue PPF for long term stability.

Avoid using this for mid-term goals.

But don’t depend only on PPF for retirement.

It gives lower returns than equity in long run.

Use it as a supporting instrument, not the main one.

Mutual Fund Investments
Your SIPs in multiple funds show good intent.

Monthly SIPs total Rs 14,000.

You are investing in both large cap and small cap.

SIPs are a smart way to build wealth.

Here are a few suggestions:

You are investing in four equity mutual funds.

Three are large cap or blue chip. One is small cap.

Do not invest in too many similar funds.

Large cap funds usually move in same pattern.

This leads to over-diversification with no added benefit.

Instead, choose one or two quality diversified funds.

Keep small cap fund for long term only.

Small caps are risky and volatile in short term.

Do not choose index funds.
They simply copy the market index.
They do not manage risk during market falls.
Actively managed funds are better in Indian market.
Fund managers pick quality stocks and reduce downside.
Active funds give better returns if selected with care.

Also, avoid direct mutual fund plans.
They may look cheaper, but come without proper guidance.
Many investors make emotional decisions in direct plans.
They miss rebalancing and portfolio correction.
Invest through regular plans via MFD who is also a CFP.
You get proper advice, reviews, and rebalancing support.
Good advice helps you avoid costly mistakes.

Investment Strategy – Next Steps
You can now structure your financial plan like this:

Short-Term Goals (0–3 years)

Keep emergency fund of at least 6 months’ expenses.

Use liquid fund or FD for upcoming expenses.

Do not invest this amount in equity mutual funds.

Medium-Term Goals (3–7 years)

Use hybrid mutual funds or balanced advantage funds.

These reduce risk with equity and debt mix.

You can invest some of the FD here.

Long-Term Goals (7+ years)

Use equity mutual funds – large, flexi-cap, small cap.

Do SIPs regularly and increase yearly if income rises.

Stick with long term. Don’t stop during market fall.

Tax Planning and Returns
PPF is already helping in 80C tax saving.

LIC also helps but with low return. Better to surrender it.

SIPs in equity mutual funds are tax-efficient.

New tax rule for mutual funds is now different:

Equity LTCG above Rs 1.25 lakhs is taxed at 12.5%.

Short-term gains are taxed at 20%.

Debt fund gains taxed as per income slab.

Avoid FD as main investment. It gives fully taxable return.

Mutual funds are better after tax adjustment.

Retirement Planning
You are doing some investments but not enough for retirement.

You must plan retirement early for compounding.

PPF is safe but not enough. Use equity mutual funds more.

Estimate your future needs with a financial expert.

Invest with clear goal and timeline.

Child’s Education or Other Goals
You have not mentioned children or specific goals.

Start planning even if child is small.

Education inflation is very high.

Use SIPs in mutual funds for such goals.

Key Action Plan for You
Create emergency fund first. Use FD or liquid fund.

Surrender LIC Jeevan Anand. Invest money in mutual funds.

Stop RD. Start SIP of same amount in balanced mutual fund.

Continue SIPs. Reduce to 2–3 quality funds only.

Invest only through regular plans with CFP-led MFD.

Don’t choose direct plans or index funds.

Keep paying extra to home loan. But balance with investments.

Increase term insurance to at least Rs 1 crore.

Increase health cover with top-up plan.

Track all investments and goals annually.

Finally
You have started well. Your savings habit is good.
You are investing regularly and taking insurance protection.
But your portfolio needs better structure and focus.
Avoid mixing insurance and investment.
Avoid low return products for long term goals.
Use equity funds more through regular plans with CFP support.
Stick to plan for 10–15 years for wealth creation.
Do not panic during market falls. Stay invested.
Rebalance portfolio yearly with professional help.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Dear Anonymous,
I understand that it must be tough to see someone you like, flirting with another person in front of you. But, as you said, your colleague often does this and he has been upfront about this. Now, you need to understand that your feelings are valid even if you knew about his nature. But having said that, I don’t think there’s much you can do about him. The best thing is to slowly distance yourself from him and end his chapter here. The more you get involved and look for answers the more you will get hurt. Try spending more time with friends and people who truly appreciate you.
Best wishes.

Ans: Hello dear
Prefer Dharwad if possible.
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Kamal
Your question is not clear and unable to understand what do you want to ask. Pl ask again.
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Raghv
With the mentioned score, you are eligible for a 15% quota through the state-level counseling process. You have a chance to gain admission to good colleges.
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam