विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
RAVI
Ramalingam Kalirajan11054 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Mar 05, 2026
Asked on - Mar 04, 2026
Dear Sir, I (aged 60 yrs) have a Plan for my daughter marriage during June 2027. I have various mutual funds under the category of Small, Mid, Large and Agg Hybrids, Thematics which have a decent as well as moderate returns. How & When to Plan to withdraw Rs 25 lacs safely from them and kept for marriage time and Where to park it to get further helathy returns upto that period? Help me for the roadmap to withdraw and kept safely. Thqs in adv for the reply.
Ans: You have planned in advance for your daughter’s marriage. That shows responsibility and clarity. At age 60, protecting capital is more important than chasing return. Now your focus must be safety first, growth next.
June 2027 is not very far. So we must reduce risk step by step.
» Understanding the Time Frame
– Today to June 2027 is roughly around 1.5 to 2 years
– This is short-term period
– Equity markets can be volatile in this time
Since the goal date is fixed, we cannot take risk of market fall just before marriage.
» Risk in Your Current Portfolio
You mentioned:
– Small cap funds
– Mid cap funds
– Large cap funds
– Aggressive hybrid funds
– Thematic funds
Small cap and thematic funds are highly volatile. Even mid cap can fall sharply in short period.
If market corrects 20% to 30%, your marriage corpus may get disturbed. That risk is not acceptable now.
» When to Start Withdrawal
Do not wait till 2027.
Start systematic withdrawal planning from now itself.
Roadmap:
– Immediately identify the funds which have highest volatility (small cap, thematic)
– Start redeeming them first
– Gradually shift large cap and hybrid funds also
Complete full shifting at least 9 to 12 months before marriage.
By mid 2026, the full Rs 25 lakhs should be in safe instruments.
» How to Withdraw Smartly
– Redeem in phased manner over next 6 to 9 months
– Avoid withdrawing entire amount in one day
– Use market rallies to redeem
Also keep taxation in mind:
– Equity LTCG above Rs 1.25 lakh taxed at 12.5%
– Equity STCG taxed at 20%
Plan redemption in such a way that tax impact is controlled. Spread across financial years if needed.
» Where to Park the Money Safely
Since goal is short term, safety is priority.
Suitable parking options:
– Short duration debt mutual funds
– Money market funds
– Bank fixed deposits (laddered maturity)
– Senior citizen savings schemes (if liquidity allows)
Debt mutual funds are more flexible than FD. But remember:
– Debt fund gains taxed as per your income slab
So if your tax slab is high, compare with FD post-tax return before deciding.
» Should You Continue in Equity Till 2027?
No.
Equity is good for long-term wealth. But for fixed event like marriage, equity is risky.
Marriage date will not change based on market condition. So capital protection is key.
» Liquidity Planning
– Keep at least 3 to 6 months of marriage expenses in savings account by early 2027
– Keep rest in short-term instrument maturing near wedding date
This avoids last minute stress.
» 360 Degree Check
Apart from marriage fund, ensure:
– Emergency fund separate and untouched
– Health insurance adequate at age 60
– Retirement corpus not disturbed for marriage
Very important point:
Do not compromise your retirement comfort for one-time event.
Children’s marriage is important. But your lifetime income security is more important.
» Finally
Your action plan should be:
– Start gradual redemption now
– Exit high-risk funds first
– Move full Rs 25 lakhs to safe instruments by mid 2026
– Focus on capital protection, not high return
– Keep liquidity ready before event
If executed properly, you will attend your daughter’s marriage peacefully, without worrying about market conditions.
That peace of mind is more valuable than extra return.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
June 2027 is not very far. So we must reduce risk step by step.
» Understanding the Time Frame
– Today to June 2027 is roughly around 1.5 to 2 years
– This is short-term period
– Equity markets can be volatile in this time
Since the goal date is fixed, we cannot take risk of market fall just before marriage.
» Risk in Your Current Portfolio
You mentioned:
– Small cap funds
– Mid cap funds
– Large cap funds
– Aggressive hybrid funds
– Thematic funds
Small cap and thematic funds are highly volatile. Even mid cap can fall sharply in short period.
If market corrects 20% to 30%, your marriage corpus may get disturbed. That risk is not acceptable now.
» When to Start Withdrawal
Do not wait till 2027.
Start systematic withdrawal planning from now itself.
Roadmap:
– Immediately identify the funds which have highest volatility (small cap, thematic)
– Start redeeming them first
– Gradually shift large cap and hybrid funds also
Complete full shifting at least 9 to 12 months before marriage.
By mid 2026, the full Rs 25 lakhs should be in safe instruments.
» How to Withdraw Smartly
– Redeem in phased manner over next 6 to 9 months
– Avoid withdrawing entire amount in one day
– Use market rallies to redeem
Also keep taxation in mind:
– Equity LTCG above Rs 1.25 lakh taxed at 12.5%
– Equity STCG taxed at 20%
Plan redemption in such a way that tax impact is controlled. Spread across financial years if needed.
» Where to Park the Money Safely
Since goal is short term, safety is priority.
Suitable parking options:
– Short duration debt mutual funds
– Money market funds
– Bank fixed deposits (laddered maturity)
– Senior citizen savings schemes (if liquidity allows)
Debt mutual funds are more flexible than FD. But remember:
– Debt fund gains taxed as per your income slab
So if your tax slab is high, compare with FD post-tax return before deciding.
» Should You Continue in Equity Till 2027?
No.
Equity is good for long-term wealth. But for fixed event like marriage, equity is risky.
Marriage date will not change based on market condition. So capital protection is key.
» Liquidity Planning
– Keep at least 3 to 6 months of marriage expenses in savings account by early 2027
– Keep rest in short-term instrument maturing near wedding date
This avoids last minute stress.
» 360 Degree Check
Apart from marriage fund, ensure:
– Emergency fund separate and untouched
– Health insurance adequate at age 60
– Retirement corpus not disturbed for marriage
Very important point:
Do not compromise your retirement comfort for one-time event.
Children’s marriage is important. But your lifetime income security is more important.
» Finally
Your action plan should be:
– Start gradual redemption now
– Exit high-risk funds first
– Move full Rs 25 lakhs to safe instruments by mid 2026
– Focus on capital protection, not high return
– Keep liquidity ready before event
If executed properly, you will attend your daughter’s marriage peacefully, without worrying about market conditions.
That peace of mind is more valuable than extra return.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment