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क्या मैं 28 या 29 वर्ष की आयु तक 50 लाख रुपये की लागत वाला मकान बना सकता हूँ, जिसकी लागत संभावित रूप से 60-70 लाख रुपये तक बढ़ सकती है?

Milind

Milind Vadjikar  |1238 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 02, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Oct 02, 2024English
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मैं अभी 24 साल का हूँ और मैंने अभी अपनी मास्टर्स की पढ़ाई पूरी की है। क्या मैं 28 या 29 साल की उम्र में कम से कम 50 लाख के बजट में नया घर बना पाऊँगा? क्या मैं अपना बजट और बढ़ाकर 60-70 लाख कर पाऊँगा?

Ans: यदि आप अभी शुद्ध इक्विटी फंड में 50 हजार का मासिक निवेश शुरू करते हैं, तो आप 7 साल की समय-सीमा में लगभग 70 लाख का कोष जमा करने की उम्मीद करते हैं।

यदि आप इसे 5 साल तक करते हैं, तो आपके पास अभी भी लगभग 42 लाख का कोष हो सकता है, जबकि शेष राशि को होम लोन के माध्यम से वित्तपोषित किया जा सकता है।

13% का मामूली रिटर्न माना जाता है।

निवेश के लिए शुभकामनाएं!!

अपडेट के लिए आप हमें X पर @mars_invest पर फॉलो कर सकते हैं।

*म्यूचुअल फंड में निवेश बाजार जोखिमों के अधीन हैं। कृपया निवेश करने से पहले योजना से संबंधित सभी दस्तावेज़ों को ध्यान से पढ़ें।
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.
Money

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Ramalingam

Ramalingam Kalirajan  |8610 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Money
नमस्ते, मैं 29 वर्ष का व्यक्ति हूं और मेरा वेतन 60 हजार प्रति माह है। मैं 2-3 वर्षों में एक घर बनाना चाहता हूं और 40 वर्ष की आयु तक अपनी सेवानिवृत्ति के लिए धन संचय करना चाहता हूं। कृपया मेरी मदद करें कि मैं यह कैसे कर सकता हूं?
Ans: यह बहुत बढ़िया है कि आप आगे की सोच रहे हैं और अपने भविष्य की योजना बना रहे हैं। घर बनाना और रिटायरमेंट के लिए धन अर्जित करना महत्वपूर्ण लक्ष्य हैं, और सावधानीपूर्वक योजना बनाकर आप उन्हें प्राप्त कर सकते हैं। इस दिशा में आपकी मदद करने के लिए यहाँ कुछ मार्गदर्शन दिए गए हैं:

सबसे पहले, अपनी वर्तमान वित्तीय स्थिति, अपने लक्ष्यों और उन्हें प्राप्त करने के लिए एक रोडमैप की रूपरेखा तैयार करके एक विस्तृत वित्तीय योजना बनाकर शुरुआत करने पर विचार करें। इससे आपको अपने उद्देश्यों पर संगठित और केंद्रित रहने में मदद मिलेगी।

2-3 वर्षों में अपने घर के लिए बचत करने के लिए, आपको अपनी मासिक आय का एक हिस्सा अलग रखना शुरू करना होगा। गणना करें कि आपको डाउन पेमेंट और क्लोजिंग लागतों के लिए कितनी राशि की आवश्यकता होगी, और फिर उस लक्ष्य तक पहुँचने के लिए आपको हर महीने कितनी बचत करनी होगी।

अपनी बचत को कम जोखिम वाले, लिक्विड इंस्ट्रूमेंट जैसे कि फिक्स्ड डिपॉजिट या शॉर्ट-टर्म डेट फंड में निवेश करने पर विचार करें ताकि यह सुनिश्चित हो सके कि जब आप अपना घर खरीदने के लिए तैयार हों तो आपका पैसा आसानी से उपलब्ध हो।

अपने रिटायरमेंट लक्ष्य के लिए, जल्दी शुरुआत करना महत्वपूर्ण है। चूँकि आप 40 वर्ष की आयु तक सेवानिवृत्त होने का लक्ष्य बना रहे हैं, इसलिए आपको बचत और निवेश को प्राथमिकता देनी होगी। कर लाभ और दीर्घकालिक विकास क्षमता का लाभ उठाने के लिए कर्मचारी भविष्य निधि (EPF) या राष्ट्रीय पेंशन प्रणाली (NPS) जैसे सेवानिवृत्ति खातों में अधिकतम योगदान करें।

इसके अतिरिक्त, लंबी अवधि में धन संचय करने के लिए इक्विटी म्यूचुअल फंड या स्टॉक के विविध पोर्टफोलियो में निवेश करने पर विचार करें। जबकि शेयर बाजार अस्थिर हो सकता है, ऐतिहासिक रूप से, इसने लंबी अवधि में अन्य परिसंपत्ति वर्गों की तुलना में अधिक रिटर्न दिया है।

अपने लक्ष्यों की ओर बने रहने के लिए नियमित रूप से अपनी वित्तीय योजना की समीक्षा करें और आवश्यकतानुसार समायोजित करें। याद रखें, वित्तीय सफलता प्राप्त करने के लिए स्थिरता और अनुशासन महत्वपूर्ण हैं।

बढ़िया काम करते रहें, और अगर आपको अपनी वित्तीय रणनीति को बेहतर बनाने में सहायता की आवश्यकता है, तो प्रमाणित वित्तीय योजनाकार से सलाह लेने में संकोच न करें।

गृहस्वामी बनने और सेवानिवृत्ति की आपकी यात्रा के लिए शुभकामनाएँ!

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Ramalingam

Ramalingam Kalirajan  |8610 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 10, 2025

Money
नमस्ते...मैं अगले 5 सालों में घर बनाने की योजना बना रहा हूँ। मेरी मासिक तनख्वाह सिर्फ़ 35000 है। मुझे नहीं पता कि मैं अपने सपने को कैसे सफल बनाऊँ। कृपया मुझे कोई आइडिया बताएँ कि मैं 30 लाख के बजट में घर बनाने के लिए अपने पैसे कैसे बचा सकता हूँ।
Ans: घर बनाना एक बड़ा वित्तीय लक्ष्य है। आप 5 साल में 30 लाख रुपये का घर बनाना चाहते हैं। आपकी मासिक सैलरी 35,000 रुपये है। सही बचत और निवेश योजना के साथ, आप इस सपने को साकार कर सकते हैं।

 

चरण 1: कुल बजट आवश्यकता को समझना
घर निर्माण की लागत 30 लाख रुपये है।

आपको 5 साल में इस राशि को बचाने या व्यवस्थित करने की आवश्यकता होगी।

मुद्रास्फीति के कारण लागत बढ़ सकती है।

अप्रत्याशित खर्चों के लिए बफर राशि रखना महत्वपूर्ण है।

 

चरण 2: अपनी बचत क्षमता का मूल्यांकन करना
आपकी मासिक आय 35,000 रुपये है। लक्ष्य लगातार एक हिस्सा बचाना है।

 

सबसे पहले, अपने आवश्यक मासिक खर्चों की पहचान करें।

बचत बढ़ाने के लिए अनावश्यक खर्च कम करें।

आप जितना अधिक बचत करेंगे, आपको उतना ही कम उधार लेने की आवश्यकता होगी।

 

चरण 3: समर्पित गृह निधि बनाना
घर की बचत के लिए एक अलग निवेश खाता खोलें।

विकासोन्मुख म्यूचुअल फंड में निवेश करें।

कम रिटर्न के कारण सभी पैसे फिक्स्ड डिपॉजिट में रखने से बचें।

 

चरण 4: सही निवेश रणनीति चुनना
5 साल की निवेश योजना में विकास और सुरक्षा का संतुलन होना चाहिए।

 

1. इंडेक्स फंड और ईटीएफ से बचें
इंडेक्स फंड बाजार के जोखिमों के अनुसार समायोजित नहीं हो सकते।

सक्रिय रूप से प्रबंधित फंड अस्थिर बाजारों में बेहतर प्रदर्शन करते हैं।

 

2. डायरेक्ट म्यूचुअल फंड से बचें
डायरेक्ट फंड को बाजार पर नज़र रखने और जानकारी की ज़रूरत होती है।

प्रमाणित वित्तीय योजनाकार (सीएफपी) के माध्यम से निवेश करने से उचित प्रबंधन सुनिश्चित होता है।

 

3. निर्माण लागत के लिए तरलता बनाए रखें
आसान पहुंच के लिए कुछ फंड लिक्विड निवेश में रखें।

लंबी अवधि की गैर-तरल संपत्तियों में पैसे लॉक करने से बचें।

 

चरण 5: होम लोन को एक विकल्प के रूप में देखना
अगर 30 लाख रुपये बचाना मुश्किल है, तो होम लोन मदद कर सकता है।

 

बैंक घर की कीमत का 80% तक दे सकते हैं।

आपकी EMI आपकी आय के 40% से ज़्यादा नहीं होनी चाहिए।

ज़्यादा डाउन पेमेंट से लोन का बोझ कम होता है।

कम लोन अवधि ब्याज लागत बचाती है।

 

चरण 6: बचत बढ़ाने के लिए खर्च कम करें
बाहर खाना खाने और मनोरंजन जैसे अनावश्यक खर्च कम करें।

आवेगपूर्ण खरीदारी से बचें।

ज़्यादा बचत करने के लिए छूट और कैशबैक विकल्पों का इस्तेमाल करें।

आज की एक साधारण जीवनशैली आपके सपनों का घर जल्दी बनाने में मदद करती है।

 

चरण 7: हर साल अपनी योजना की समीक्षा करें
बचत और निवेश पर नियमित रूप से नज़र रखें।

अगर आय बढ़ती है या खर्च बदलता है, तो योजनाओं को समायोजित करें।

मार्गदर्शन के लिए किसी प्रमाणित वित्तीय योजनाकार (CFP) से सलाह लें।

 

अंत में
उचित योजना के साथ 5 साल में 30 लाख रुपये का घर संभव है। लगातार बचत, स्मार्ट निवेश और नियंत्रित खर्च पर ध्यान दें। यदि आवश्यक हो, तो होम लोन इस अंतर को पाट सकता है। अनुशासन और धैर्य के साथ, आपका सपनों का घर हकीकत बन सकता है।

 

सादर,

के. रामलिंगम, एमबीए, सीएफपी

मुख्य वित्तीय योजनाकार

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

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Ramalingam

Ramalingam Kalirajan  |8610 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 07, 2025

Money
यदि मैं 30 वर्ष की आयु में अपना करियर शुरू करता हूं और मासिक 60 हजार कमाता हूं तो किस आयु में मैं अर्ध शहरी क्षेत्र में घर खरीद पाऊंगा?
Ans: अपने पहले घर की खरीदारी की योजना पहले से बनाना मजबूत वित्तीय जागरूकता को दर्शाता है। आइए इसे पूरे, 360-डिग्री तरीके से देखें - सब कुछ सरल, यथार्थवादी और भारतीय संदर्भ के लिए संरचित रखें।

आपका शुरुआती बिंदु
आप अभी 30 वर्ष के हैं।

आप प्रति माह 60,000 रुपये कमा रहे हैं।

आप अर्ध-शहरी क्षेत्र में घर खरीदने में रुचि रखते हैं।

हम वहनीयता, डाउन पेमेंट, EMI, जीवनशैली और बचत - सभी को मिलाकर विचार करेंगे।

चरण 1: अर्ध-शहरी घर के लिए यथार्थवादी बजट को समझें
अधिकांश अर्ध-शहरी शहरों में, एक अच्छे घर की कीमत 25 लाख रुपये से 45 लाख रुपये के बीच होती है।

आइए इस अनुमान के लिए 35 लाख रुपये को मध्य संख्या के रूप में लें।

आपको आदर्श रूप से कम से कम 20% का डाउन पेमेंट करना चाहिए।

यह लगभग 7 लाख रुपये का डाउन पेमेंट है, और बाकी होम लोन द्वारा।

चरण 2: अपनी आय के आधार पर आरामदायक EMI का अनुमान लगाएं
बैंक EMI के रूप में वेतन का 40% देते हैं। यानी हर महीने 24,000 रुपये।

आप अवधि और ब्याज दर के आधार पर लगभग 25 लाख से 28 लाख रुपये तक का लोन ले सकते हैं।

यह तभी संभव है जब आपके पास कोई अन्य लोन न हो, जैसे कि पर्सनल या कार लोन।

इसलिए, अगर आप अच्छी तरह से योजना बनाते हैं, तो घर की कीमत लगभग 30 लाख से 35 लाख रुपये तक हो सकती है।

चरण 3: मासिक बजट योजना ही कुंजी है
चलिए अपने मौजूदा 60,000 रुपये के वेतन को स्मार्ट तरीके से विभाजित करते हैं।

आवश्यक वस्तुएं (किराया, भोजन, परिवहन): 25,000 रुपये

SIP और आपातकालीन बचत: 10,000 रुपये

जीवनशैली (मोबाइल, कपड़े, सैर-सपाटा): 5,000 रुपये

घर के डाउन पेमेंट के लिए बचत: 15,000 रुपये

अप्रत्याशित जरूरतों के लिए शेष राशि: 10,000 रुपये 5,000

इस तरह, 4 साल में आप डाउन पेमेंट के लिए 7 लाख से 8 लाख रुपये तक बचा सकते हैं।

चरण 4: सबसे पहले इमरजेंसी रिजर्व बनाएं
घर खरीदने से पहले, बैंक या लिक्विड फंड में 1.5 लाख से 2 लाख रुपये रखें।

अगर नौकरी या आय में बदलाव होता है तो यह आपको ताकत देता है।

घर के डाउन पेमेंट के लिए सारी बचत न करें।

आपका इमरजेंसी फंड घर के फंड से अलग होना चाहिए।

चरण 5: SIP के ज़रिए डाउन पेमेंट बनाएँ
रूढ़िवादी हाइब्रिड या बैलेंस्ड म्यूचुअल फंड में 10,000 से 15,000 रुपये की मासिक SIP शुरू करें।

प्रमाणित वित्तीय योजनाकार द्वारा निर्देशित MFD के ज़रिए निवेश करें।

डायरेक्ट प्लान या रैंडम ऐप से बचें। आपको मदद की ज़रूरत है।

4 साल में, SIP आपके पैसे को धीरे-धीरे और सुरक्षित तरीके से बढ़ा सकता है।

इस उद्देश्य के लिए जोखिम भरे शेयरों में निवेश करने से बचें।

चरण 6: घर खरीदने का समय
अब बचत को संपत्ति के लक्ष्य से मिलाते हैं।

34 या 35 की उम्र तक, आप 7 लाख से 8 लाख रुपये के डाउन पेमेंट के लिए पर्याप्त बचत कर सकते हैं।

यदि आप नौकरी में स्थिरता बनाए रखते हैं, तो उस समय तक आपकी ऋण पात्रता भी बढ़ जाएगी।

बैंक सैलरी स्लिप, फॉर्म-16, आईटी रिटर्न और अकाउंट स्टेटमेंट मांगेगा।

आपको स्टांप ड्यूटी, रजिस्ट्रेशन और इंटीरियर का भुगतान भी करना होगा।

इसलिए अतिरिक्त लागतों के लिए 1.5 लाख से 2 लाख रुपये का बफर जोड़ें।

चरण 7: घर खरीदने के बाद लागतों को समझें
60 हजार रुपये के वेतन पर 20,000 से 24,000 रुपये प्रति माह की ईएमआई मैनेज की जा सकती है।

ईएमआई को वेतन के 40% से अधिक न बढ़ाएं।

ईएमआई शुरू होने के बाद, गैजेट या यात्रा जैसे अन्य खर्चों को कम करें।

घर खरीदने के बाद भी लंबी अवधि के लिए धन संचय के लिए एसआईपी जारी रखना याद रखें।

होम लोन आपको 80C और 24B के तहत कर लाभ भी देता है।

चरण 8: ऐसे कारक जो आपके लक्ष्य में देरी या तेज़ी ला सकते हैं
अगर आपकी सैलरी तेज़ी से बढ़ती है, तो आप 34 साल की उम्र से पहले घर खरीद सकते हैं।

अगर आप नौकरी खो देते हैं या छुट्टी लेते हैं, तो घर का लक्ष्य पूरा होने में देरी हो सकती है।

अगर आपको बोनस या माता-पिता का समर्थन मिलता है, तो आप अपनी योजना को आगे बढ़ा सकते हैं।

अगर आप बिना किसी निश्चित आय के फ्रीलांसिंग शुरू करते हैं, तो बैंक आपको आसानी से होम लोन नहीं दे सकते।

चरण 9: विचार करने के लिए अन्य गैर-वित्तीय कारक
अगर आप 5+ साल तक एक ही शहर या कस्बे में रहने की योजना बना रहे हैं, तो ही खरीदें।

अगर नौकरी में बार-बार तबादले होते हैं या आप विदेश जा सकते हैं, तो न खरीदें।

जब आप मानसिक और वित्तीय रूप से आश्वस्त महसूस करें, तभी खरीदें।

बुकिंग से पहले कानूनी शीर्षक और स्थानीय बाजार के रुझान भी देखें।

ऊंची इमारतों के सपने या साथियों के दबाव में न आएं।

आपको किन चीज़ों से बचना चाहिए
आपातकालीन निधि और नौकरी की स्थिरता होने से पहले होम लोन न लें।

सिर्फ़ टैक्स बचाने के लिए घर न खरीदें।

डाउन पेमेंट के लिए रिटायरमेंट सेविंग्स या PPF को न छुएं।

बीमा सुरक्षा को न छोड़ें - टर्म इंश्योरेंस और हेल्थ कवर खरीदें।

5 साल में घर की कीमत दोगुनी होने की उम्मीद न करें। अर्ध-शहरी इलाकों में विकास धीमा है।

अंतिम जानकारी
अगर आप अभी से बचत करना शुरू करते हैं, तो आप 4 से 5 साल में अपना पहला घर खरीद सकते हैं। इसका मतलब है कि आप 34 या 35 साल की उम्र तक आराम से घर खरीद सकते हैं।

लेकिन जल्दबाज़ी न करें। सबसे पहले, मासिक SIP, आपातकालीन बचत और कर्ज-मुक्त जीवन जीने की आदत डालें।

घर खरीदने से पहले आपकी आय, बचत अनुशासन और जीवन लक्ष्य सभी एक जैसे होने चाहिए। तभी खरीदें जब आप भावनात्मक और वित्तीय रूप से पूरी तरह से तैयार हों।

अभी यह पूछकर आप सही रास्ते पर हैं। लगातार निवेश करते रहें और प्रमाणित वित्तीय योजनाकार से मार्गदर्शन लें।

सादर,
के. रामलिंगम, एमबीए, सीएफपी,
मुख्य वित्तीय योजनाकार,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |8610 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2025

Asked by Anonymous - May 25, 2025
Money
Hi Sir, I'm 34 unmarried female with partial responsibility for parents (they have pension) but full responsibility for another adult forever who is 36 years old at this time due to certain medical issues. My goal is to be able to buy a house in metro like Pune/Bengaluru where current prices have skyrocketed to 1.2 cr, in the next 2-3 years. My current savings and income is 13 L in FD, 7L in PPF, and 4L in MF. Current salary is 1.5L per month where my expenses are 20k monthly rent, 10-15k in total for other expenses like food/living etc. Monthly MF investment is 35k and 12.5k for ppf and i save as and when possible for FD. At this time slightly worried if I'll be able to purchase a home at all. Also I do not have any other loans, please help.
Ans: You are doing a good job managing your income, savings, and responsibilities.

Your goal to buy a house in a metro is clear.

But we need to go step-by-step to see if it fits into your bigger financial life.

We also need to check the long-term impact of such a decision.

Let’s analyse everything in a simple, structured, and detailed way.

Let’s look at your money from a 360-degree view.

Let us begin.

Income and Expense Control

Monthly salary of Rs. 1.5 lakhs is a strong base.

Your rent is Rs. 20,000 and other expenses are Rs. 15,000 max.

Total expenses are around Rs. 35,000 per month only.

This gives you a very good surplus of Rs. 1.15 lakhs monthly.

That level of saving shows strong discipline and financial maturity.

This is very positive especially as you have responsibilities too.

Current Investments and Asset Mix

Rs. 13 lakhs in fixed deposits is a safety cushion.

Rs. 7 lakhs in PPF is useful for long-term stability.

Rs. 4 lakhs in mutual funds is a good start for wealth creation.

Monthly SIP of Rs. 35,000 is aggressive and well placed.

PPF investment of Rs. 12,500 monthly is also consistent.

You are spreading risk and ensuring short and long term goals.

However, fixed deposits will not beat inflation in the long run.

Understanding the Housing Goal

Your target home budget is Rs. 1.2 crore in a metro.

This is a huge goal considering your current savings.

With 13L FD + 7L PPF + 4L MF = Rs. 24 lakhs total now.

It is hard to buy a home of Rs. 1.2 crore fully from this.

You may need to take a home loan of Rs. 80 lakhs or more.

Loan EMI on this amount will be around Rs. 65,000 to Rs. 70,000 monthly.

This can affect your MF SIP and other savings.

You also need to pay 10% to 20% down payment upfront.

That is around Rs. 24 lakhs minimum, which is what you already have.

But if you pay it all, there will be no emergency fund left.

Home Loan and EMI Risk Assessment

Taking such a large loan will bring financial pressure.

Your current surplus will drop quickly with EMI payments.

You may have to stop or reduce your SIP and PPF.

That will impact your long-term financial independence.

You are also responsible for one adult dependent lifelong.

So you need a strong safety net for medical and lifestyle costs.

A home loan will reduce your flexibility for that.

Your job is in the private sector, which can have income uncertainty.

Why Owning Property May Not Be Best Now

Buying a house looks attractive, but comes with hidden costs.

Stamp duty, registration, maintenance, repairs, interiors, property tax, etc.

These can total up to 10%-12% of home value over time.

Buying locks up your capital and reduces liquidity.

Rent is only Rs. 20,000 now, which is manageable.

You also have freedom to move for job opportunities.

Home ownership can tie you down, especially early in life.

Better to delay this until other goals are secure.

Investment Strategy Review

Mutual funds help you beat inflation and grow wealth.

Continue with your Rs. 35,000 SIP as long as possible.

Don’t reduce SIP to save for property down payment now.

PPF will build your tax-free corpus, so continue with Rs. 12,500 monthly.

Your fixed deposits can be slowly reduced.

Shift them into short duration mutual funds for better returns.

But keep Rs. 3 to 5 lakhs aside as emergency fund always.

Don’t go fully into equity without having a buffer.

Real Estate as Investment? No.

Property as investment has low liquidity.

Difficult to sell quickly if needed.

High cost of buying and selling.

Price appreciation not guaranteed.

Better to build wealth using mutual funds with Certified Financial Planner.

Action Plan for Next 2 to 3 Years

Delay home buying decision for now.

Focus on building Rs. 40-50 lakhs liquid net worth.

Keep SIP + PPF going without stopping.

Shift part of FD to balanced or hybrid mutual funds.

Review SIP portfolio yearly with Certified Financial Planner.

Build emergency fund for 6 months expenses minimum.

Create term insurance of Rs. 1 crore if not yet done.

Take health insurance for yourself and dependent.

Avoid ULIPs or investment insurance products.

Avoid index funds as they don’t beat market always.

Regular mutual funds via Certified Financial Planner give better support.

Avoid direct plans as they give no guidance or help.

When Should You Buy A House Then?

When you have minimum Rs. 35 to 40 lakhs corpus ready.

When EMI is less than 35% of your salary.

When you have 6 to 12 months emergency fund set aside.

When your SIP and PPF can continue without stopping.

When job and income feel stable for long term.

Till then, stay in rent and grow your investments.

You can invest even with property in mind.

Create a “home goal fund” in short to medium mutual funds.

Add lumpsum to this if salary rises or bonuses come.

Review property market every year with your Certified Financial Planner.

If property prices fall or income increases, reassess.

Extra Steps You Can Take

Avoid lifestyle inflation. Keep expenses simple.

Don’t buy car or other EMI-based assets now.

Keep salary hike savings 100% for investments.

Increase SIP every year as income grows.

Protect your dependent with medical cover and estate plan.

Consider creating a Will for your assets.

Keep updating your plan every year or with life changes.

Finally

You are doing very well at this stage of life.

Your savings rate is excellent.

Your investment approach is balanced and smart.

Buying a home now is not right timing.

It may reduce your long-term growth and flexibility.

Delay home purchase for 2 to 3 years minimum.

Use this time to strengthen your investment base.

Let your SIPs and PPF grow your net worth.

Use Certified Financial Planner for regular reviews and guidance.

Stay focused on what matters – stability, growth, peace.

House can wait. Financial freedom cannot.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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नवीनतम प्रश्न
Nayagam P

Nayagam P P  |5512 Answers  |Ask -

Career Counsellor - Answered on May 30, 2025

Career
Hello sir I am getting cse in Chandigarh University and Jaypee noida 68 which is better and I have also applied for the thapar will I get computer engineering with 85 percentile in the jee mains and the 95.4 in boards
Ans: Aditya, With an 85 percentile in JEE Mains and 95.4% in 12th boards, securing Computer Engineering at Thapar Institute of Engineering and Technology (TIET) is unlikely, as the expected cutoff for outside Punjab candidates is around 94.47 percentile. However, branches like Electronics & Communication Engineering (ECE) or Electrical and Computer Engineering (EEC) may be attainable.
Collegedunia
Adarsh Barnwal
+2
Collegedunia
+2
Collegedunia
+2

Chandigarh University (CU) offers strong placement opportunities, with the highest domestic package reaching ?54.75 LPA and over 900 recruiters participating in the placement drive. Admission into CU's CSE program is highly probable given your scores.
Shiksha
+3
Shiksha
+3
PagalGuy
+3

At Jaypee Institute of Information Technology (JIIT), Noida, the closing rank for CSE is around 51,000 (approximately 95 percentile), making admission less likely with your current percentile.

Recommendation: Prioritize Chandigarh University for CSE due to its robust placement record and higher likelihood of admission. Consider TIET for alternative branches like ECE or EEC, and explore other institutions where your percentile aligns with the cutoff requirements. All the BEST for your Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

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Ramalingam

Ramalingam Kalirajan  |8610 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2025

Asked by Anonymous - May 30, 2025
Money
My Salary is 78000 per month and I have house rent 20500 and 17000 emi and 15000 monthly expenses other emis 15000 and iam unable to save please suggest
Ans: You are facing a very common challenge. Many earn well but struggle to save. The good part is that you are aware and looking for a solution. That’s the first important step.

Let me now give you a 360-degree analysis and practical advice to help you manage better.

 
 
1. Monthly Income and Expense Breakdown

Your salary is Rs. 78,000 per month.
 
 

House rent is Rs. 20,500.
 
 

EMI for one loan is Rs. 17,000.
 
 

Other EMIs total Rs. 15,000.
 
 

Monthly living expenses are Rs. 15,000.
 
 

After these, almost nothing is left.
 
 

There is no saving happening right now. But small adjustments can bring big changes.
 
 
2. Rent Expense Evaluation

Rent is the biggest cost. Rs. 20,500 is over 26% of your income.
 
 

Ideally, rent should not exceed 20% of income.
 
 

Check if slightly cheaper home is available.
 
 

A Rs. 3,000 to Rs. 4,000 saving in rent helps.
 
 

Shifting may feel hard. But it gives monthly relief.
 
 

Stay near public transport to reduce travel cost also.
 
 

Even small rent change brings long-term benefits.
 
 
3. EMI Consolidation Strategy

You have Rs. 32,000 total EMI every month.
 
 

This is over 40% of your income. That is too high.
 
 

Ideally, EMI should be under 30% of income.
 
 

Check if some loans are high-interest short-term loans.
 
 

If possible, combine all EMIs into one with lower interest.
 
 

Talk to your bank about loan consolidation options.
 
 

Even 2–3% interest reduction will help monthly cash flow.
 
 

Loan restructuring gives breathing space.
 
 
4. Monthly Expenses Assessment

You spend Rs. 15,000 monthly for all needs.
 
 

This looks reasonable, but break it down category-wise.
 
 

Note how much goes to groceries, mobile, subscriptions, fuel, etc.
 
 

Use a simple mobile app to track. Or a paper log.
 
 

You may find Rs. 1,000–2,000 saving opportunity easily.
 
 

Cancel unused services like OTT or apps.
 
 

Prepare weekly shopping list. Avoid impulse purchases.
 
 

Every rupee saved adds up.
 
 
5. Surrender Low-Return Insurance Policies (if any)

Do you hold any LIC, ULIP or endowment plan?
 
 

These plans mix insurance with investment. They give poor returns.
 
 

If held for more than 3 years, check surrender value.
 
 

If suitable, surrender and reduce premium load.
 
 

Take separate term insurance if not already done.
 
 

Reinvest in SIP when your cash flow improves.
 
 

This step will free up space in your budget.
 
 
6. Start Emergency Fund, Even Small

You may feel saving is impossible now.
 
 

But even Rs. 500–1000/month is a start.
 
 

Keep this money in a separate savings account.
 
 

Don’t touch unless it’s urgent.
 
 

Over time, it builds up to 3–6 months of expenses.
 
 

Emergency fund avoids fresh loans in future.
 
 

Even small savings matter. Start tiny, but stay regular.
 
 
7. Avoid New Loans or EMI Purchases

Say no to credit card EMIs or online EMIs.
 
 

These temptations disturb cash flow and cause stress.
 
 

If you need anything, plan and save first.
 
 

Delay buying until you have money.
 
 

EMI-free life feels peaceful and light.
 
 

Self-control today brings freedom tomorrow.
 
 
8. Health and Life Insurance Priority

Health emergency can break your finances.
 
 

Take a personal health insurance cover.
 
 

Group cover from employer is not always enough.
 
 

Also take a low-cost term life insurance.
 
 

Do not mix insurance with investments.
 
 

Term plan protects family. Premium is affordable.
 
 

Insurance is not optional. It’s your safety net.
 
 
9. Don’t Rely on Index Funds or Direct Mutual Funds

Some people suggest index funds or direct plans.
 
 

But these lack personalised support and active review.
 
 

Index funds don’t beat inflation in long term.
 
 

Direct funds don’t guide you in market changes.
 
 

Use actively managed mutual funds.
 
 

Invest through a Mutual Fund Distributor backed by a Certified Financial Planner.
 
 

Proper advice gives proper results.
 
 
10. Set a 3-Step Goal Plan

Step 1: Get control of monthly spending.
 
 

Step 2: Reduce EMIs or consolidate loans.
 
 

Step 3: Start small savings. Build emergency fund.
 
 

Once your cash flow improves, you can add SIPs.
 
 

Even Rs. 2,000/month SIP can build wealth slowly.
 
 

Long-term discipline matters more than short-term sacrifice.
 
 
11. Talk to a Certified Financial Planner

You don’t have to figure it all alone.
 
 

Certified Financial Planners can review your full profile.
 
 

They guide step-by-step based on your goals.
 
 

You get help with loan restructuring, budgeting and investing.
 
 

Regular plan reviews give better direction.
 
 

Guided support gives better results than guesswork.
 
 
Finally

Your situation is difficult but not unfixable. You are not alone. Many professionals earn well but have tight budgets. You are aware. That’s the key strength.

Now you need to make few lifestyle and financial changes. Nothing happens overnight. But over 6–12 months, you can turn things around.

Build better habits. Spend less than income. Don’t take more loans. Start even the smallest savings.

Once you’re stable, shift focus to long-term investments. Work with a Certified Financial Planner to guide you along the journey.

You’ll find peace, progress and purpose.

 
 

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

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Nayagam P

Nayagam P P  |5512 Answers  |Ask -

Career Counsellor - Answered on May 30, 2025

Asked by Anonymous - May 29, 2025
Ramalingam

Ramalingam Kalirajan  |8610 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2025

Money
Dear Sir, My age is 48 years and I have taken house loan of Rs. 25 Lacs two years back, EMI per month is 20K, my monthly salary is 75 k. I m investing Rs. 39 k per year in LIC, 50k in PPF per year and 12500 per month in SIP. After all this investment at the end of the month I barely able of save Rs. 15K. My son age is 5 years . Please suggest any changes and further future planning so that after retirement I have atleast 1 Cr.
Ans: You have shown good discipline in managing your finances. You have started early planning for your child and your retirement. That is very good. You also have a good monthly income and manageable loan EMI. But, a few adjustments will help build stronger wealth for retirement.

Let me now help you with a step-by-step review of your current financial structure and suggest better ways for future financial well-being.

 
 
1. Income and Expense Overview

Your monthly salary is Rs. 75,000.
 
 

You are paying Rs. 20,000 as home loan EMI.
 
 

You are investing Rs. 12,500 in SIPs every month.
 
 

You are investing Rs. 50,000 per year in PPF. That is around Rs. 4,167 per month.
 
 

You are paying Rs. 39,000 per year in LIC premium. That is around Rs. 3,250 per month.
 
 

After all expenses and investments, you save around Rs. 15,000 per month.
 
 

Your savings habit is strong. That is a great quality. But now, you need to optimise your savings and investments better.

 
 
2. Home Loan Management

Rs. 25 lakhs loan is manageable with your income.
 
 

Rs. 20,000 EMI is reasonable. But loan closure before retirement is important.
 
 

Aim to close the loan by 58 years. That will reduce stress after retirement.
 
 

If you receive any bonus or surplus, use that partly to reduce loan.
 
 

But do not stop SIPs or long-term investments for loan prepayment.
 
 

Balance is important.
 
 
3. LIC Policy Assessment

You are paying Rs. 39,000 yearly in LIC.
 
 

Most likely, this is a traditional endowment or money-back policy.
 
 

Such plans give very low returns. Usually below 5% per year.
 
 

Also, mixing insurance with investment is not ideal.
 
 

What to do now?

If the policy has completed more than 3 years, check surrender value.
 
 

If surrender is financially suitable, stop and reinvest in mutual funds.
 
 

Take pure term insurance separately if not already taken.
 
 

Term plans give large cover at low cost.
 
 

This one change will free up funds and give better returns.
 
 
4. PPF Investment Review

You are investing Rs. 50,000 per year in PPF.
 
 

PPF is safe and gives tax-free returns.
 
 

Current interest is around 7% to 7.5% per annum.
 
 

But this return may not beat inflation over 15–20 years.
 
 

Still, PPF is good for safety and diversification.
 
 

Continue PPF, but do not increase allocation too much.
 
 

Keep PPF limited. Focus more on higher return options.
 
 
5. SIP Investment Strategy

You are investing Rs. 12,500 per month in SIPs.
 
 

SIP in mutual funds is one of the best long-term tools.
 
 

Ensure you are investing in diversified, actively managed funds.
 
 

Actively managed funds give better returns over long term.
 
 

Avoid index funds. They copy the market and don’t beat inflation strongly.
 
 

Avoid direct funds unless you are experienced and review portfolios often.
 
 

Regular plans through a Mutual Fund Distributor with CFP support are better.
 
 

You get proper guidance, rebalancing, and tracking.
 
 

SIP should be your main engine for wealth building.
 
 
6. Retirement Goal Planning

You want Rs. 1 crore at retirement. That is a good starting goal.
 
 

At age 48 now, you have around 12 years left to build this.
 
 

You are already investing in SIP and PPF.
 
 

After surrendering LIC, redirect that amount into mutual funds.
 
 

Even your current Rs. 12,500 SIP + Rs. 3,250 LIC (if re-directed) = Rs. 15,750.
 
 

This amount, if invested in equity mutual funds, can create strong growth.
 
 

Also, your savings of Rs. 15,000/month is available.
 
 

Use part of this savings also to boost your SIP.
 
 

Retirement goal can be achieved. Just need disciplined investing and small adjustments.
 
 
7. Child’s Education Planning

Your son is 5 years old. You have time to build corpus.
 
 

Higher education expenses will start after 13–15 years.
 
 

Create a separate SIP for this goal. Do not mix with other investments.
 
 

Invest in diversified equity mutual funds for child goal.
 
 

Even Rs. 5,000–7,000/month SIP can build good corpus by then.
 
 

Review the portfolio every year with your Certified Financial Planner.
 
 

Do not depend on insurance plans or ULIPs for child goals.
 
 

They give poor returns and lock your money for long.
 
 

8. Insurance Protection Plan

At 48, insurance is critical. You are the family’s main earning member.
 
 

Take pure term insurance of minimum 10–12 times your yearly income.
 
 

That is Rs. 75,000 × 12 × 10 = Rs. 90 lakhs at least.
 
 

Premium will be low if taken soon.
 
 

Do not mix insurance with investment.
 
 

Also take health insurance for family if not already covered.
 
 

Company cover is not enough. Take personal health policy also.
 
 

9. Tax Planning and Optimisation

You are using LIC and PPF for tax benefits.
 
 

Also SIPs in ELSS funds can give tax benefits.
 
 

Consider ELSS only if you need 80C limit and can take 3-year lock-in.
 
 

Do not over-focus on tax saving. Wealth creation is more important.
 
 

If your 80C is already full, invest in non-tax saving mutual funds.
 
 

SIPs in equity mutual funds held for more than one year will attract LTCG.
 
 

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
 
 

Keep track of capital gains yearly. Use your limit smartly.
 
 

10. Emergency Fund Management

Keep at least 4 to 6 months of expenses in emergency fund.
 
 

Use liquid mutual funds or savings account for this.
 
 

Do not invest emergency funds in PPF or SIP.
 
 

You should be able to withdraw anytime when needed.
 
 

Use your Rs. 15,000 monthly saving to slowly build this buffer.
 
 

11. Key Adjustments You Can Make Now

Surrender low-return LIC policy if suitable.
 
 

Redirect Rs. 3,250/month to mutual funds.
 
 

Increase SIP by at least Rs. 5,000 more monthly using your surplus.
 
 

Start a child education SIP separately.
 
 

Build emergency fund of Rs. 3 to 4 lakhs gradually.
 
 

Do not increase EMI. Prioritise investment and loan closure balance.
 
 

Finally

You have already done many things right. That is a great starting point.

Just fine-tune your investment structure now. Shift from low-return products to higher growth investments. Don’t stop your SIPs. Keep increasing SIP as income rises.

Work with a Certified Financial Planner. Review your plan every year. This is not a one-time setup. Financial planning is a regular process.

With the right steps, Rs. 1 crore for retirement is very much possible. Also, your child’s education will be secure. Just stay consistent and focused.

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

...Read more

Nayagam P

Nayagam P P  |5512 Answers  |Ask -

Career Counsellor - Answered on May 30, 2025

Career
I'm getting CSE Core at JSS University , CSE with Cyber Security at JIIT , CSE core in VIT Bhopal in category 2, and CSE Core in ABESIT. Which one should i choose?
Ans: VIT Bhopal’s Computer Science and Engineering (CSE) program offers a centralized placement system shared with VIT Vellore, attracting top recruiters like Microsoft, Amazon, TCS, and Infosys. While placements vary, 70–90% of CSE students secure roles, with internships at firms like Google, Adobe, and JP Morgan integrated into the curriculum. The campus features modern infrastructure, including advanced labs (IoT, AI/ML, Gaming Studio), Wi-Fi-enabled hostels, and a 600-seat auditorium, though sports facilities remain under development. Faculty members hold doctorate qualifications and emphasize industry-aligned learning, though some students report inconsistent academic support. The remote location (Bhopal-Indore highway) limits urban amenities but provides a serene, security-focused environment. Campus life includes tech clubs, hackathons, and festivals, though social activities are less vibrant compared to older VIT campuses. While CSE specializations (AI/ML, Cybersecurity) are well-structured, competition for core roles is intense, requiring students to maintain strong academic performance. Prospective students should weigh the centralized placement opportunities against the evolving campus infrastructure and location constraints. Prioritize JSS Mysore for balanced academics and placements, followed by JIIT Noida for specialization options. VIT Bhopal is ideal for brand-driven opportunities, while ABESIT serves as a pragmatic backup. All the BEST for your Admission & Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

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Ramalingam

Ramalingam Kalirajan  |8610 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2025

Money
sir, am 26 year old and have some SIPs for Rs 1000 each. 1. QUANT SMALL CAP FUND DIRECT 2. NIPPON INDIA LARGE CAP DIRECT 3. MIRAE ASSEST ELSS TAX SAVER 4. UTI NIFTY 50 5. PARAG PARIKH FLEXI CAP 6. TATA MIDCAP GROWTH DIRECT 7. TATA SMALL CAP DIRECT my question is, these are good SIPs for next 10-15 years ? second is i want to invest 10000 more per month, please let me know which SIPs will be good for next 15 years. Thanks
Ans: At age 26, it is appreciable that you have started investing early.

It shows responsibility towards your future financial goals.

Your current SIPs are diversified across multiple categories.

But some of these SIPs may not be aligned well for long-term consistency.

Let us now review each one professionally.

1. Quant Small Cap Fund - Direct

Small caps can be volatile.

This fund is aggressive and high-risk.

Direct plans have no guidance or monitoring.

This may affect long-term performance.

Switching to a regular plan with a Certified Financial Planner is better.

This will ensure proper guidance and rebalancing.

2. Nippon India Large Cap - Direct

Large caps offer stability in a portfolio.

However, this fund’s long-term consistency is not very strong.

Also, direct plans lack expert monitoring.

A regular plan through a CFP ensures better handholding.

Tracking and performance review becomes easier.

3. Mirae Asset ELSS Tax Saver

This fund is decent for tax saving.

It is diversified and has shown fair returns.

However, regular review is still needed.

A regular plan helps with documentation and timely alerts.

Switching to regular mode can be beneficial in the long run.

4. UTI Nifty 50 - Direct

This is an index fund.

Index funds only mirror the market.

They do not aim to beat the market.

They lack human intelligence and flexibility.

They don’t perform well during corrections or sideways markets.

Actively managed funds have higher potential.

They can outperform in changing market situations.

Consider replacing this with a well-managed large cap fund.

In regular plan through CFP, you get guided fund selection.

5. Parag Parikh Flexi Cap

Flexi cap funds provide flexibility across market segments.

This fund has been popular recently.

But it has higher exposure to international stocks.

This brings currency risk and regulatory risks.

Also, it may overlap with other holdings.

You should regularly monitor for overlap and concentration.

Again, direct mode has no professional review.

6. Tata Midcap Growth - Direct

Midcaps are good for long-term.

But they need close tracking due to higher volatility.

A regular plan with expert guidance is ideal.

Direct mode will not help during market correction periods.

Switching to regular mode will ensure ongoing support.

7. Tata Small Cap - Direct

Small caps are risky in short to medium term.

This should not be your core holding.

Should be allocated only with close guidance.

Again, direct plans can go off-track without support.

If unmanaged, can bring portfolio imbalance.

Assessment of Direct Funds: Key Concerns

Direct funds may look cheaper in expense.

But they lack professional support and review.

There is no monitoring of changes in fund quality.

You may miss timely exits and rebalancing.

A Certified Financial Planner guides with logic and analysis.

They also help align your funds with your goals.

Regular plans have MFD support and rebalancing discipline.

They protect from behavioural mistakes during market volatility.

Overall, regular funds with expert guidance bring higher net value.

What Can Be Done with Your Existing SIPs?

You can consider the following changes:

Discontinue index fund (UTI Nifty 50) SIP.

   

Reduce exposure to direct small and midcap funds.

   

Switch from direct plans to regular plans via a Certified Financial Planner.

   

Ensure SIPs are part of a professionally constructed portfolio.

   

Ensure proper asset allocation, fund category balancing and tax efficiency.

   

New SIP of Rs 10,000 per Month – Suggestions

For your new Rs 10,000 monthly SIP, here is a 360-degree plan:

Allocate across diversified categories.

   

Ensure each fund has low overlap and different market focus.

   

Invest in 3 to 4 funds max.

   

All in regular mode with CFP-led support.

   

Avoid index funds, as they only match market returns.

   

Go for actively managed funds with proven history.

   

Include large-cap, mid-cap and flexi-cap mix.

   

Monitor quarterly with your Certified Financial Planner.

   

Additional Guidance for 15-Year Wealth Building

At 26, your time horizon is excellent.

But long-term wealth creation needs more than just SIPs.

It needs strategy and discipline.

Below are key steps for a full-circle approach:

Set clear financial goals: Home, car, retirement, child education etc.

   

Link SIPs to each goal separately.

   

Keep emergency fund in place (6 months expenses).

   

Get sufficient life and health insurance (pure protection plans).

   

Avoid investment-cum-insurance products.

   

They give low returns and poor insurance.

   

Do not mix insurance with investment.

   

Track your SIP performance annually.

   

Rebalance if some funds underperform.

   

Maintain asset allocation: Equity, Debt and Liquid.

   

Avoid emotional reactions during market dips.

   

Stay invested with guidance from your CFP.

   

Be aware of taxation rules on equity and debt funds.

   

LTCG on equity above Rs 1.25 lakh is taxed at 12.5%.

   

STCG on equity is taxed at 20%.

   

Debt fund gains are taxed as per income slab.

   

Regular plan MFD and CFP helps with all tax planning.

   

What Not to Do in the Next 15 Years

Don’t invest in index funds.

   

They lack active strategy.

   

Don’t choose funds by past returns only.

   

Don’t use direct funds without financial expertise.

   

Don’t invest in real estate for returns.

   

Don’t invest in annuity products for retirement.

   

Don’t mix investment and insurance.

   

Don’t make decisions based on short-term news or noise.

   

Don’t stop SIPs during market corrections.

   

Role of a Certified Financial Planner

A Certified Financial Planner helps you:

Set goals based on life stages.

   

Create custom SIP and lump sum plans.

   

Select the best active funds for your goals.

   

Rebalance annually to stay on track.

   

Plan taxes as per latest rules.

   

Protect wealth with right insurances.

   

Build retirement with strategic planning.

   

Create a total financial blueprint for life.

   

Keep emotions out of financial decisions.

   

Final Insights

You have taken a great step by starting early.

But choosing the right funds is key.

More important is monitoring them regularly.

Direct plans lack this important support.

Switching to regular plans under CFP brings value.

Also, add Rs 10,000 new SIP with proper strategy.

Don’t follow trends.

Stay committed and review annually.

Avoid overlapping funds and unnecessary risks.

Have a complete financial roadmap in place.

You are building your future.

Make each rupee work with expert guidance.

This 360-degree approach will lead to better outcomes.

You will be financially secure and confident.

Take the next steps with clarity and care.

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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