विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Ans: You have done excellent savings for your age. Most 29-year-olds do not even start. You have no EMIs. You have gold and bank savings. You also have three properties. This gives you a strong financial base.

Let us now focus on your early retirement plan. You want to retire in 5 to 6 years. That means by age 35.

You have a wife and two kids. So we need to plan with care and clarity.

We shall now discuss the following:

Understanding your current situation

How much corpus is required for early retirement

Safe investment options

Role of stocks in your portfolio

Planning for your kids' future

Insurance and emergency cover

Final insights for your 360-degree financial life

Understanding Your Current Situation:

You earn Rs. 90 lakhs per annum from business

You have passive income of Rs. 8 lakhs annually

You have Rs. 1 crore in bank and FDs

You have gold worth Rs. 20 lakhs

You own three houses, loan-free

Your wife is a homemaker and you have two kids aged 7 and 14

You wish to retire at 35, in another 6 years

You prefer a safe and stable approach to investments

This is a powerful combination. But early retirement is a long journey. We must look at long-term income too.

How Much Corpus Is Needed:

You want to stop active work at 35

You may live for 50 years after retirement

So the retirement corpus must generate monthly income for 50 years

With kids, you need extra for their education and marriage

You also need medical funds for family needs

Inflation will increase your living costs every year

Post-retirement, your monthly needs may be around Rs. 2.5 to 3 lakhs

That means Rs. 30 to 36 lakhs per year for family expenses

You need an investment plan that can support this for 50 years

Based on all this, a corpus of Rs. 10 to 12 crores is safer to aim

This amount should be liquid and productive, not stuck in real estate

This is just a broad guideline, not a fixed rule. You may require more if lifestyle costs rise. But this gives a fair goal.

Safe Investment Options to Build Retirement Corpus:

Bank FDs are safe, but do not beat inflation

Keeping Rs. 1 crore in bank for long is a loss after tax and inflation

Gold is useful for emergency, but returns are uncertain

Real estate does not give monthly cash flow and is hard to sell fast

You need safer, long-term growth options with regular income

Actively managed mutual funds are ideal in this case

Choose a mix of equity and hybrid mutual funds for growth and safety

Debt funds are useful for income and stability

Avoid direct stocks if you don’t have time or skill

SIP in mutual funds gives discipline and long-term wealth

Use mix of large cap, flexi cap and hybrid funds based on goals

Avoid investing in index funds. They blindly follow markets

Index funds do not protect in falling markets.

Active funds have expert fund managers who manage based on economy

Also avoid direct plans. Choose regular plans with Certified Financial Planner

They guide you with regular reviews and help you align with goals

Rebalance portfolio every year to manage risk and returns

Taxation in mutual funds is also friendly for long term

Use 60–70% in equity mutual funds and rest in debt/hybrid funds

Create multiple buckets – short, medium and long term

This approach gives growth, income and safety for early retirement.

Should You Invest in Stocks?

You can, but only if you have skill and time

Stocks are risky for safe investors who need steady returns

Business profits should not be fully put into direct equity

If you like equity, better use mutual funds for expert guidance

Stocks can form 10-15% of overall corpus only if you understand risks

Better stay focused on mutual funds for now

Planning for Your Children:

Your kids are 7 and 14 now

They will need funds for college in 4–5 years and 11–12 years

Allocate a separate corpus for each child’s education

Do not mix kids’ goals with retirement fund

Education funds need to grow fast but be safe at withdrawal time

Use SIP in mutual funds based on each child’s timeline

As the time nears, reduce equity exposure slowly

For child marriage, plan separate long-term funds

Estimate inflation-adjusted cost and save monthly accordingly

Track progress yearly and adjust amounts as needed

Insurance and Emergency Cover:

Early retirement must include risk cover

Take term life cover for yourself till kids become independent

Your wife depends on you. So secure her future through insurance

Term insurance is low cost and covers big risks

Take health insurance for family – minimum Rs. 15 to 20 lakhs

Take a separate personal accident policy as well

Medical costs are rising every year. So don’t ignore this

Build an emergency fund of Rs. 10 to 15 lakhs

This should be liquid and not in fixed deposits

Use short term liquid mutual funds for this fund

This money is for emergencies only – not to be touched otherwise

Early retirement without emergency and insurance is not safe

Final Insights:

You are already financially strong. That is rare at age 29

You are thinking long-term and safe. That is good

Real estate is not enough for retirement. Liquidity matters

Avoid index funds. Active funds give better handling in tough markets

Avoid direct plans. Regular plans through Certified Financial Planner give better results

Focus on inflation-adjusted, steady income post-retirement

Split your goals – retirement, kids’ education, marriage, emergency

Plan separately for each goal. Avoid mixing funds

Review plan every year. Adjust funds based on market and goals

Maintain discipline and patience. Wealth builds slowly but surely

Retirement at 35 is possible. But requires detailed planning and focus

You already have strong base. Now build smart investments around it

Protect your wealth with good insurance and financial habits

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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