विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Tom
Naveenn Kummar233 Answers |Ask - Follow
Financial Planner, MF, Insurance Expert - Answered on Sep 18, 2025
Asked on - Sep 16, 2025
NRI 40 Europe staying with wife & 2 daughters 11 years twins,2L savings/ month after all expense. home loan balance 4L for a asset of 1cr 3BHK Flat 50K INR rent takes care of home loan and Parents expenses, planning to close home loan this FY. A 1cr independent house parents are now staying both in Bangalore I have a yearly investment of only 3 L now in HDFC 2 smart protection plans just started duration 2Lx 5 and 1Lx10 years , No PF or EPF,Health Insurance 20L india for family. LIC 15L maturity in 5 years. 25 years of Service left pension after retirement , Currently Spending 5L on vacation/ year,I have 7L emergency fund .Kids education is free till graduation,. Spouse earns 2L after tax no SIP investments plans running, but has 100gm gold She just paid off Home loan for a 1 cr Flat in Bangalore, left vacant for our stay during yearly visit to Bangalore. What should I invest more If I exclude my spouse income and investment if we plan to settle back in India after retirement and thinking about daughters marriages.
Ans: dear sir,
???? Your Current Snapshot (Age 40, NRI Europe)
Income: ?2L/month savings (after expenses, excl. spouse income).
Assets in India:
Flat (?1 Cr, rented at ?50K → takes care of home loan + parents’ expenses). Loan balance: ?4L (closing FY).
Independent house (?1 Cr, parents staying).
Another flat (?1 Cr, fully paid by spouse, vacant for yearly use).
Other Assets:
LIC: ?15L maturity in 5 years.
HDFC Smart Protection plans (?2L × 5 yrs, ?1L × 10 yrs = ?20L insured corpus).
Emergency fund: ?7L.
Gold: 100g with spouse.
Liabilities: Minimal (only ?4L loan left).
Health Insurance: ?20L India family floater.
Lifestyle: ?5L/year vacations.
No EPF / PF. Pension available after retirement (25 years left).
Kids: Twin daughters (11 yrs), free education till graduation, marriage planning required.
???? Key Goals
Retirement corpus in India (~20–25 years later).
Daughters’ marriages (likely in 15–20 years).
Maintain lifestyle (vacations + India settlement).
Optimize investments beyond insurance/LIC.
? Suggested Way Forward
1. Close Home Loan
Since the rent (?50K) is already taking care of EMI + parents’ needs, close the ?4L balance this FY.
That frees mental bandwidth + improves cash flow.
2. Emergency Fund & Insurance
Keep 12 months’ expenses in emergency fund (?20–25L). Right now, only ?7L → increase gradually.
Health cover of ?20L is ok in India, but consider an additional global health cover while abroad.
Ensure term life insurance of at least ?3–5 Cr (current insurance + LIC not enough for family protection).
3. Core Investments (From ?2L/month savings)
Since you have 25 years of service left + pension, you can take equity-heavy allocation:
Equity Mutual Funds (60%) → ?1.2L/month
40% Flexicap / Largecap index (stability).
20% Midcap / Smallcap (growth kicker).
Debt / Bonds (25%) → ?50K/month
Short-term debt funds / RBI bonds / international debt ETFs.
Build a ?50–60L stable corpus for daughters’ education/marriage.
Gold / SGB (10%) → ?20K/month
Continue gold allocation via Sovereign Gold Bonds (inflation hedge).
International Equity (5%) → ?10K/month
Helps hedge against INR depreciation (since you earn/spend partly abroad now).
4. Daughters’ Marriage Planning
Goal: say ?50L each (?1 Cr total) in 15–20 years.
At 12% equity MF CAGR → you need to invest ~?25–30K/month.
Earmark one SIP for this (don’t mix with retirement corpus).
5. Retirement Planning (Age 65, back in India)
Pension will cover base lifestyle (monthly needs).
You need a corpus for extras (vacations, medical, big expenses).
If you save ?2L/month with the above allocation (60% equity, 25% debt, 10% gold, 5% intl equity) at 10–11% CAGR →
In 25 years = ?15–17 Cr corpus (excluding pension + spouse’s assets + property).
This more than covers lifestyle, medical, inflation, and leaves legacy.
6. Real Estate Strategy
You already have 3 properties (~?3 Cr) in Bangalore.
Don’t buy more real estate. Too illiquid.
Post-retirement, you can sell/rent one property for passive income if needed.
???? Action Steps
Close ?4L loan this year.
Increase emergency fund to ?20L+ over next 2 years.
Buy adequate term cover of ?3–5 Cr.
Start ?2L/month SIPs in equity/debt/gold as per allocation above.
Earmark ~?25–30K/month SIP towards daughters’ marriage fund.
Avoid locking too much into traditional insurance/LIC — shift focus to MFs, SGBs, global exposure.
? Bottomline:
You are in a very strong financial position already — debt-free, multiple properties, good savings rate. If you invest systematically with 60–65% equity focus, you will comfortably have ?15–20 Cr corpus by retirement, plus pension + real estate. Children’s marriages can be taken care of with a separate SIP.
Work with a QPFP financial planner to create a cash flow budgeting and dual-path plan (business + security).
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai
???? Your Current Snapshot (Age 40, NRI Europe)
Income: ?2L/month savings (after expenses, excl. spouse income).
Assets in India:
Flat (?1 Cr, rented at ?50K → takes care of home loan + parents’ expenses). Loan balance: ?4L (closing FY).
Independent house (?1 Cr, parents staying).
Another flat (?1 Cr, fully paid by spouse, vacant for yearly use).
Other Assets:
LIC: ?15L maturity in 5 years.
HDFC Smart Protection plans (?2L × 5 yrs, ?1L × 10 yrs = ?20L insured corpus).
Emergency fund: ?7L.
Gold: 100g with spouse.
Liabilities: Minimal (only ?4L loan left).
Health Insurance: ?20L India family floater.
Lifestyle: ?5L/year vacations.
No EPF / PF. Pension available after retirement (25 years left).
Kids: Twin daughters (11 yrs), free education till graduation, marriage planning required.
???? Key Goals
Retirement corpus in India (~20–25 years later).
Daughters’ marriages (likely in 15–20 years).
Maintain lifestyle (vacations + India settlement).
Optimize investments beyond insurance/LIC.
? Suggested Way Forward
1. Close Home Loan
Since the rent (?50K) is already taking care of EMI + parents’ needs, close the ?4L balance this FY.
That frees mental bandwidth + improves cash flow.
2. Emergency Fund & Insurance
Keep 12 months’ expenses in emergency fund (?20–25L). Right now, only ?7L → increase gradually.
Health cover of ?20L is ok in India, but consider an additional global health cover while abroad.
Ensure term life insurance of at least ?3–5 Cr (current insurance + LIC not enough for family protection).
3. Core Investments (From ?2L/month savings)
Since you have 25 years of service left + pension, you can take equity-heavy allocation:
Equity Mutual Funds (60%) → ?1.2L/month
40% Flexicap / Largecap index (stability).
20% Midcap / Smallcap (growth kicker).
Debt / Bonds (25%) → ?50K/month
Short-term debt funds / RBI bonds / international debt ETFs.
Build a ?50–60L stable corpus for daughters’ education/marriage.
Gold / SGB (10%) → ?20K/month
Continue gold allocation via Sovereign Gold Bonds (inflation hedge).
International Equity (5%) → ?10K/month
Helps hedge against INR depreciation (since you earn/spend partly abroad now).
4. Daughters’ Marriage Planning
Goal: say ?50L each (?1 Cr total) in 15–20 years.
At 12% equity MF CAGR → you need to invest ~?25–30K/month.
Earmark one SIP for this (don’t mix with retirement corpus).
5. Retirement Planning (Age 65, back in India)
Pension will cover base lifestyle (monthly needs).
You need a corpus for extras (vacations, medical, big expenses).
If you save ?2L/month with the above allocation (60% equity, 25% debt, 10% gold, 5% intl equity) at 10–11% CAGR →
In 25 years = ?15–17 Cr corpus (excluding pension + spouse’s assets + property).
This more than covers lifestyle, medical, inflation, and leaves legacy.
6. Real Estate Strategy
You already have 3 properties (~?3 Cr) in Bangalore.
Don’t buy more real estate. Too illiquid.
Post-retirement, you can sell/rent one property for passive income if needed.
???? Action Steps
Close ?4L loan this year.
Increase emergency fund to ?20L+ over next 2 years.
Buy adequate term cover of ?3–5 Cr.
Start ?2L/month SIPs in equity/debt/gold as per allocation above.
Earmark ~?25–30K/month SIP towards daughters’ marriage fund.
Avoid locking too much into traditional insurance/LIC — shift focus to MFs, SGBs, global exposure.
? Bottomline:
You are in a very strong financial position already — debt-free, multiple properties, good savings rate. If you invest systematically with 60–65% equity focus, you will comfortably have ?15–20 Cr corpus by retirement, plus pension + real estate. Children’s marriages can be taken care of with a separate SIP.
Work with a QPFP financial planner to create a cash flow budgeting and dual-path plan (business + security).
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai
Asked on - Sep 19, 2025 | Answered on Sep 19, 2025
सर, आपकी सलाह के लिए धन्यवाद। आपने एक योजना बताई है, मैं किसी वित्तीय सलाहकार से सलाह लूँगा।
Ans: स्वागत है सर,
सादर, नवीन कुमार, बीई, एमबीए, क्यूपीएफपी मुख्य वित्तीय योजनाकार | एएमएफआई पंजीकृत एमएफडी https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai
सादर, नवीन कुमार, बीई, एमबीए, क्यूपीएफपी मुख्य वित्तीय योजनाकार | एएमएफआई पंजीकृत एमएफडी https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai