विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Aarav
Reetika Sharma608 Answers |Ask - Follow
Financial Planner, MF and Insurance Expert - Answered on Mar 09, 2026
Asked on - Dec 27, 2025
Hi,I am 42 years old ,having 2 children ,First child 12 years old and second child 5 years old.Wife is government teacher.
Monthly salary is 2.39 lakhs and my wife’s salary is 82 k ,Investing 1 lakh in Sip with investment in 90% equity having corpus of 1.75 cr,property 1 cr ,Jeevan anand 10 lakh.
Having only 1 car loan of 20 lakhs,emi 33 k.
Please help to plan my investment as I want to buy house at good location for approx 2 cr and balance should be left for my family’s future ask.
Ans: Hi Aarav,
You have saved good amount at such age. Let us go through the financials in detail:
Total monthly income - Rs. 3.2 lakhs; Monthly EMI - 33k.
> 1 crore property.
> 1.75 mutual funds with 90% equity. SIP of 1 lakh per month.
> 10 lakhs Jeevan Anand.
Looking forward to buy house worth 2 crores. You can liquidate existing property worth 1 crore for the down payment of new house and take loan for remaining 1 crores. Also try to reduce loan amount so as to reduce your EMI. Total EMI (home & car) should not exceed 1 lakh per month.
Meanwhile continue your SIPs and try to increase SIP contribution by 10% each year. Get your MF portfolio reviewed by experts periodially.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have saved good amount at such age. Let us go through the financials in detail:
Total monthly income - Rs. 3.2 lakhs; Monthly EMI - 33k.
> 1 crore property.
> 1.75 mutual funds with 90% equity. SIP of 1 lakh per month.
> 10 lakhs Jeevan Anand.
Looking forward to buy house worth 2 crores. You can liquidate existing property worth 1 crore for the down payment of new house and take loan for remaining 1 crores. Also try to reduce loan amount so as to reduce your EMI. Total EMI (home & car) should not exceed 1 lakh per month.
Meanwhile continue your SIPs and try to increase SIP contribution by 10% each year. Get your MF portfolio reviewed by experts periodially.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/