Jinal Mehta

Answered on Mar 18, 2024

Asked by Anonymous - Jan 11, 2024Hindi

Sir please let me know Rs 50000/- investment plan for mutual fund lumpsum

Ans: Any index or large cap is a good investment choice.

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Answered on Mar 18, 2024

Asked by Anonymous - Jan 08, 2024Hindi

Hello friends, I have monthly SIP of around 70k. But none in blue chip sector. Can you suggest best and stable large cap mutual fund for SIP of 5k or 10k. Thanks.

Ans: You can invest in quant or icici bluechip fund

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Answered on Mar 18, 2024

Asked by Anonymous - Jan 06, 2024Hindi

Hello Sir,I am 33years old. How should I invest my income so that I do not have to knock any door for help in future. I have recently started investing in mutual funds and bought some equity shares for around one lakh for long term.

Ans: This is a good plan. Please do not stop this if markets are under correction. Continue investing and sit tight.

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Answered on Mar 18, 2024

Question by Binay - Dec 13, 2023Hindi

Hi Sir, I have been investing in the following mutual funds since 4 years in the form of SIP. my investment horizon is 15 years. 1) PGIM Ind Midcap Opp Dir-IDCW : 2500 2) Nippon Ind Small Cap Dir-IDCW : 2000 3) SBI Small Cap Dir-G : 1500 4) Axis Small Cap Dir-IDCW : 2500 5) Nippon Ind Multi Cap Dir-IDCW : 3000 6) Quant Infra Reg-IDCW : 2000 7) Axis Midcap Dir-IDCW : 2000 8) Parag Parikh Flexi Cap Dir-G : 2000 9) Quant Multi Asset Reg-IDCW : 3000 10) Mirae Asset Emrgng Bluechip Reg-IDCW : 2500 Can you please help me out on below queries .... 1) Exit/Continue in above mutual funds? 2) How much amount will be generated after 15 years? 3) Willing to invest 5000 more, please suggest mutual funds Thanks

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Question by Sharanappa - Nov 24, 2023Hindi

My 9/Apri/1993 birthday I have 36000 salary and investing 7500/month in SIP and every month 2000rs I'm purchasing stocks(I take own study), Total 9500/month Mutual funds are direct growth *SBI midcap fund 1000* *SBI consumption opportunity fund 1000* *Canara robeco tax saving fund 2000* *Quant small cap 2000* *Quant dynamic asset allocation fund 1000* *Digital gold 500/month* One year old portfolio 10-15 years time zone For retirement plan

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Asked by Anonymous - Jan 16, 2024Hindi

I want to create a secondary retirement corpus. Accordingly, I want to invest 6 lakhs in the next one year through SIP (starting from April 2024). My investment period will be 20 years. I am 40 years old and have moderate risk appetite. Pls suggest 6-7 Mutual funds for me. Thanks.

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Asked by Anonymous - Dec 21, 2023Hindi

Good afternoon sir,as i want to invest 5000 pm in mutual fund ,suggest me as i am having nill knowledge about fundd

Ans: You can start investing in index equity mutual funds

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Answered on Mar 18, 2024

Question by Ghosal - Dec 20, 2023Hindi

Sir, I am 43 male, plan to make 3.5 cr in 15 years through SIPs and lumpsum, current SIPs are as under: Mirae asset large & midcap 1k, canara robeco equity hybrid 1k, sbi multicap 1k, sbi focused equity 1k, sbi magnum global 2k, sbi magnum child benefit 1.5k, icici value discovery fund 3k. Would you guide me on this please ...?

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Question by Balari - Dec 16, 2023Hindi

Hello sir, I want to invest in mutual funds sip for rs 2000 for 3 to 5 years. Please help me where to invest

Ans: Invest in Index equity mutual fund

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Answered on Mar 18, 2024

Question by Prince - Feb 06, 2024Hindi

Hello Sir, I have started MFs investment recently from last year have low budget. I have started with 1. Quant ELSS Tax saver direct growth (Rs500) 2. SBI small cap fund direct growth (Rs600) 3. ICICI Prudential commodities Fund direct growth (Rs500) 4. Nippon india small cap fund direct growth (Rs500) 5. Quant Small cap fund direct plan growth (Rs1000) I would like to know whether its good to invest in these MFs for longer period 15-20 years. I'll add another 3-4K in the future but for now it'll be the same. Please guide me as I have low budget

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Asked by Anonymous - Dec 14, 2023Hindi

Hello sir, I am 27 yrs old and my monthly income is 1.75 lacs . I am investing 86000 in quant small cap fund and another 35000 in ET MONEY genius high growth portfolio. I am not investing for a particular goal as yet and only for wealth creation. Do i need to make any changes? Thanks

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Question by Roshan - Dec 27, 2023Hindi

Hi sir, I have done multiple funds. 1. Tata Digital fund - 1500 PM 2. Kotak Multicap Fund - 2000pm 3. Axis Growth opportunities fund - 2000pm 4. PGIM Midcap - 3000 PM 5. Mirae asset Large & Midcap Fund - 2000pm 6. Canara Robeco smallcap - 1000pm 7. Sundaram flexi cap - 500pm 8. HDFC NIFTY SMALLCAP250 - 1000 pm 9. HDFC SIlver ETF FOF - 500pm 10. Bandhan transportation and logistics - 300pm I am 23. Should I Stop anything or increase/decrease any amount. How is the fund selection?

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Asked by Anonymous - Feb 03, 2024Hindi

*Sharanappa from kalburgi Karnataka* 30 year old unmarried, including me 3 members in family I have 36000 salary and investing 7500/month in SIP Mutual funds are direct growth *SBI midcap fund 1000* *SBI consumption opportunity fund 1000* *Parag parik tax saving fund 2000* *Quant small cap 2000* *Quant dynamic asset allocation fund 1000* *Digital gold 500/month* One year old portfolio ( around 1.2 lacks) 10-15 years time zone Please review sir *1cro Target* *Risk Agressive* I decided set up SIP 15% Everyone year

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Asked by Anonymous - Jan 30, 2024Hindi

I earn about 2.1 lakhs per month and then have a quarterly payout of stocks about 5lakhs. I live in my own house and I have a House loan EMI of 50k per month and no other expenses. So I have 1.5 lakhs as my savings per month. How should I diversify my investments on monthly basis so that after 5years I should get a return income of 1L per month.

Ans: You can invest in index equity mutual funds currently. And later when you need any additional cashflows , you may start with swp from the same fund.

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Answered on Mar 18, 2024

Asked by Anonymous - Mar 12, 2024Hindi

Hello Sir, first of all thanks for your valuable inputs in this column. Currently my age is 43 & i have corporate insurance policy with cover of 5 lacs . So is it advisable to addon some more additional health insurance cover now or wait till i quit/lose my job ( after next 3-4 years) & than take fresh health insurance. Incase of first case, if i take addon cover of only 1 lac now & than after quitting job at age 46, if i increase health cover to 5 lac, will it anyway help with premiums? I don't have any family/dependent so not planning for term insurance. Thanks in advance.

Ans: Yes. Please purchase additional health insurance for yourself now. As we cannot predict the expenses that will be incurred if you get hospitalised

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1

Answered on Mar 18, 2024

Asked by Anonymous - Dec 01, 2023Hindi

Sir, I am 31 year old I need 4 lakh monthly income after 60 age. My PF(18000 monthly) plus NPS(7200 monthly) allocation is currently 25 lakh which is increasing yearly per government rule. My Mutual fund allocation approx 1000000 lakh in equity and monthly sip approx 58000 in kotak small cap(5k),axis growth opportunities 5k,canara small cap5k,parag flaxi cap5k,Nippon multi cap11k,and quant small cap6k,kotak emerging 7k.

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.

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Answered on Mar 18, 2024

Question by Shah - Mar 13, 2024Hindi

Hi Mam, I want to invest approx. 10L for the next 5 years. Which will be a better option? 1. Invest in gold. 2. Fixed Deposit: Which will give me a higher return in a span of 5 years?

Ans: you can invest in index equity mutual funds.

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Answered on Mar 12, 2024

Asked by Anonymous - Nov 30, 2023Hindi

SIR, My portfolio includes, ICICI Prudential Bharat Consumption Fund Growth-5000pm, Templeton India EQUITY INCOME FUND - Growth-5000pm, Tata Hybrid Equity Fund Regular Plan - Growth-5000pm, HDFC Flexi Cap Fund - Regular Plan - Growth-10000pm, PGIM India Midcap Opportunities Fund - Regular Plan - Growth-10000pm, SUNDARAM MULTI CAP FUND REGULAR GROWTH-10000pm, Canara Robeco Emerging Equities - Regular Growth-5000pm. I am 46 year old and investing in mutual funds last 1.5 years. Pl. review my portfolio.

Ans: hi.. just by looking at the funds, i will not be able to review your portfolio. you can look at your statements from the date of buying these funds till today.

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Answered on Mar 12, 2024

Asked by Anonymous - Feb 20, 2024Hindi

Hello Sir, I am 46 Y Old , and I lost my Job . I have 2 kids . One require money from 2024-2028 ( 6L per annum) other kid require money from 2028-2032. I saved and keep aside 60 L for their education . I have today 71 L of EPF . My wife earn 50 K per month which is sufficent for us to run the home and some money put in health insurance and term insurance. I will reinvest any interest earn from these two invest ments ( 60 L and 71 L). 60 L Break Up is 14.5 L Mutual fund , 25L PPF maturing in 2026, 10 L Government Bond maturing in 2024 3.4 L NSC maturing in 2032, 2.3L gold bond, 2 L Shares, 4 L FD. Please let me know can I have retirement life with 70 K from interests earning if i do not get job

Ans: Looking at your situation, i suggest do not try any DIY investment plans Please meet a Professional who will be in a better position to understand your situation and make a customised financial plan for you.

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Answered on Mar 12, 2024

Asked by Anonymous - Mar 09, 2024Hindi

I am single 29yrs and live in the US, just joined a package of USD 1Lac living with my married elder sister. Except for EMI of the Car, 300 USD for Petrol and 500/600 USD miscellaneous expenses, I do not have any liabilities. My sister and her husband care a lot. Both of them are working with handsome packages. My father is a self-made person and works in India. Parents are looking for a suitable match as well. As of date, I do not have large savings. Please suggest to me a financial plan towards savings and a decent future married life. I plan to live independently after getting married.

Ans: I understand your priorities, but I suggest you meet a CFP professional for making a financial plan. It is not possible for us to suggest you a detailed plan here.

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Answered on Mar 12, 2024

Question by Rahul - Mar 10, 2024Hindi

I am earning 10 lakh yearly where should i invest my money

Ans: It depends on alot of factors like your age, liabilities, goals, risk profile, etc.

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Answered on Mar 12, 2024

Question by Balu - Mar 04, 2024Hindi

Iam 45 afford to invest rs 10000 per month for 15 years and want to accumulate 1Cr. How much should I invest monthly

Ans: Right now start with whatever amount you are comfortable with. You can subsequently start increasing by 10% or 20% as per your convenience.

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Answered on Mar 08, 2024

Asked by Anonymous - Feb 20, 2024Hindi

Sir, I'm an NRI ( based out of Australia ) looking to invest into mutual funds and need your advice whether I invest via NRO or NRE and the tax implications. Is it advantageous to invest in India mutual funds?

Ans: Investing for long term goals is always advantageous.
Investing through NRE account is advisable.

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Answered on Mar 08, 2024

Asked by Anonymous - Feb 06, 2024Hindi

Hi experts, I am still waiting for a response. Asking the question for the 3rd time. Reposting Hi, Question with regards to EPF My wife quit working in 2015 and post that there hasn't been any EPF contribution. We haven't withdrawn her EPF as we didn't need the money. Please can you let us know if the below A. Is our money safe since its been 10 years and there hasn't been any contribution B. Will she be getting any interest? C. If we withdraw the amount now and will there be any tax implication on the withdrawal? Somewhere in one article I read that the money not withdrawn within 36 months will be given away to senior welfare fund. This has got us all worried as the only reason we didn't withdraw is we didn't need the money and kept it for a rainy day. Please can you answer this question at the earliest as we are really worried about our EPF money post reading the article. Also, could you help us out with the process to withdraw the PF amount.

Ans: Please withdraw your PPF balance. Your wife's account must have been frozen. please do it asap.

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Answered on Mar 08, 2024

Asked by Anonymous - Feb 20, 2024Hindi

I am planning to buy insurance, my age is 38 and i am confused which one to buy, term plan, wealth, etc. Also please advise on Health Insurance and Pension plans. ( Could you please suggest any plan specific / company name ?) ( Family depended on me)

Ans: You can purchase a term plan from any good company and include your family in that. For health insurance , you can purchase a family floater. Both these policies will give you a decent coverage at lower premium.

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Answered on Mar 08, 2024

Question by Vivek - Mar 07, 2024Hindi

Need to start SIP of 20,000 purpose is child Education & Retirement fund [ Time Span 5 -7 year ]. Kindly Suggest IN which SIP I should invest in which Mutual fund. Also Have capital of 40 Lacs ,which mutual fund, I should Invest to get Monthly income & How much I will get with this investment

Ans: I cannot suggest you any particular product, as i dont know your risk profile or your networth or cashflows.

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Answered on Mar 08, 2024

Asked by Anonymous - Mar 08, 2024Hindi

I am a 25-year-old housewife, I don't have a job. I have savings of Rs 25,000 in my account. How can I invest it wisely for my future?

Ans: Since your savings is too low, i suggest you keep it in fd for emergency purposes. You can also evaluate your expenses that you can reduce and thereby increase your saving propensity.

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Answered on Mar 08, 2024

Asked by Anonymous - Mar 08, 2024Hindi

Is it good to take education loan of 8 lakh...or should I afford a college with total fees of 4 lakh..because my family is able to give 1lakh per year fees...but if I want to take admission in different college it will cost around 10 lakh ..should I take admission in low fees college...or a high one ( taking loan)

Ans: Yes.. You can take education loan. It will be a good option for you. Please check the loan moratorium period. Generally you can repay the loan once you get a job or start working.

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Answered on Mar 05, 2024

Question by Raman - Feb 27, 2024Hindi

Sir, I am 51 and since last two years, entered into Mutual Fund and currently my SIP amount is Rs. 25 K peer month in different small caps funds, like, Quant, Nippon, ICICI and Nifty Fifty. Please give me idea of how much corpus will be in 60 years of my age.

Ans: I cant give you a ball park figure. as per my estimation, it should work around 1.80- 2 cr.

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Answered on Mar 05, 2024

Question by Ajay - Feb 28, 2024Hindi

I have invested in following, fund thorough SIP mode Tata digital india fund 2Tata resources &energy Fund 3UTI gold etf fund 4Icici prudential nifty next 50index fund I am long term investor Kindly advise

Ans: you need to link your investments with your financial goals. then only i will be able to advise appropriately.

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Answered on Feb 25, 2024

Question by Vipin - Feb 04, 2024Hindi

I am 31 years of age now...want Rs. 3 Cr at the age of 45...what should be the investment plan which I can use?

Ans: You may contact any professional who can evaluate your risk return objectives and recommend you proper funds

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Answered on Feb 25, 2024

Question by Rahul - Feb 13, 2024Hindi

Please review my portfolio parag Parikh flexicap, Sbi mid cap & Axis small cap fund each with 5k total 15k per month sip for 25 year's and 10 percent step up every year I want 10 crores for my retirement is this portfolio Good or should I change my funds or add more funds..? My age is 33 years ????

Ans: The funds look okay to me. I cant just guarantee you that you will surely get 10 cr at retirement as equity investments are subject to market risks.

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Answered on Feb 25, 2024

Question by Melvin - Jan 30, 2024Hindi

It's been 6 months that I have invested in quant small cap fund. So I want to invest 6000 rupees every month so where should I invest for better future?

Ans: You may contact any professional who can evaluate your risk return objectives and recommend you proper funds

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Answered on Feb 25, 2024

Asked by Anonymous - Jan 17, 2024Hindi

Sir .I want to invest some money in sip how and where I can start ?

Ans: You can start immediately. You may contact any professional who can evaluate your risk return objectives and recommend you proper funds.

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Answered on Feb 25, 2024

Asked by Anonymous - Feb 15, 2024Hindi

Hello Jindal I am 46 Y old just lose my well paid job . Require your suggestion for continuous getting money from interest . I have 3 flats . First one is loan fee. Second one has 6 L loan remaining . 3 rd one has 1.18 Cr loan . I require 40 L for my daughter education 2024-2028 and require 40 L sone education 2028-2032.i also want 1 L per month now onwards for meeting daily needs.i have following investment. Mutual funds 14.5 L . FD 5 L Government Bond 10 L PPF wife 17.5 L PPF my self 7.5 L and othe nsc bond share 9 L . I will get approx 20 L from my employee and have 72 L in EPF and 4 L wife EPF. Please guide me . Should I sold my flat and pay out the loan of 1.18 Cr and move in same home . If I do then I left with 40 L .

Ans: Please do not take such decision immediately. It is a good thing that you want to secure your children's future. But as of now, i dont see any such need to sell off your flat. your children may not need this much of money for their education or they may need more. Both the other houses can be rented out and the rentals can be invested in mfs. These funds may be tagged only to their education. Any additional requirements can be funded through education loans.

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Answered on Feb 25, 2024

Asked by Anonymous - Feb 15, 2024Hindi

Hi, pls review my MF portfolio, all Direct Growth option, 25K/m in all. I am 42yrs & working in Pvt Sector. 1. Quant ELSS Tax Saver (2000/m) 2. SBI Long Term ELSS (4500/m) 3. Mirae Asset ELSS Tax Saver (2000/m) 4. PPFAS ELSS Tax Saver (1500/m) 5. Quant Small Cap (3500/m) 6. Quant Flexi Cap (2000/m) 7. Quant BFSI Fund (5000/m) 8. Axis NPS (E)38%-(C)24%-(G)38% (4170/m). I am also a regular contributor to EPF (2 lakh+ current balance). I am OK with High- Very high risks as I don't have any liquidity commitment in next 6 yrs. From 7th Yr my daughter's Higher Education starts and by 15 yrs from now, her marriage. Also, I want to achieve a corpus of 2 Cr in next 15 yrs. I am planning a "stepup" of 5k/m every year. Please review my financial plan whether I am on right track and suggest accordingly.

Ans: You need to evaluate your goals vis-a-vis your income , expenses and other parameter. we would recommend that you approach a qualified professional to achieve your objective as its difficult to evaluate your financial health with inadequate information.

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Answered on Feb 25, 2024

Question by Raghuvir - Feb 15, 2024Hindi

Hi, I have taken health insurance policy in 2016.I did not have any preexisting disease that time.In 2018,i was diagnosed with BP>. The policy is continuously renewed till 2024 without any claim. Was it necessary to declare BP in 2018 ?

Ans: Ideally, you must declare. You can do it now as well. Also note that this will have an impact on your premium amount.

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Answered on Feb 25, 2024

Question by ankit - Feb 16, 2024Hindi

I am a 34-year-old individual with a balance of 1.75 crore INR in my savings account. I have no outstanding debts and am looking to invest this amount wisely. My investment goals are twofold: firstly, to secure 1 crore INR for my daughter's future when she turns 18, and secondly, to generate a monthly income to cover my expenses, which currently amount to 100,000 INR per month. I am willing to allocate my investment across different risk profiles as follows: 25 lakhs INR in high-risk investments, 50 lakhs INR in medium-risk investments, and the remaining 1 crore INR in moderate-risk investments. Could you please advise me on a comprehensive investment strategy considering my goals and risk profile? Specifically, I am seeking guidance on asset allocation, investment vehicles, and any other considerations to achieve both capital growth and income generation.

Ans: The information that you have provided is inadequate. You need to evaluate your goals vis-a-vis your income , expenses and other parameter. we would recommend that you approach a qualified professional to achieve your objective.

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Answered on Feb 25, 2024

Asked by Anonymous - Feb 22, 2024Hindi

Hello Ma'am. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years. Goal is wealth creation and risk apatite is medium. Thanks

Ans: You can divide it into 3 parts.
1. Largecap & Midcap
2. Flexicap
3. Small cap

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Answered on Feb 12, 2024

Question by Pramod - Oct 29, 2023Hindi

need 2 crores in 15 year how much MF need to invest

Ans: Without understanding your goals, risk profile or anything i cannot suggest anything.

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Answered on Feb 12, 2024

Asked by Anonymous - Feb 07, 2024Hindi

I am 48 years old and my monthly income is 1.4 Lac. My existing investment is PPF 1.5 Lakh/year and 18 Thousand Term insurance and Bank FD's. I am want to invest in NPS about 50 Thousand/Year. What option to select to earn at least 8% with lower risk. Also let me know what are other options for investment with lower risk?

Ans: there is no guarantee for any returns on any of the products available in the market. You cannot rely on past data for future returns. Just fix your goals and investment plan for the same. Bank FDs or corporate FDs may give you your expected returns. But if the interest rate falls, you may get lower returns in the future.

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Answered on Feb 12, 2024

Asked by Anonymous - Nov 27, 2023Hindi

I have spare amount of around 7L which I need to invest. Kindly suggest best investment option in equity (name of companies) & also what should be breakup % in equity and physical gold ?

Ans: Sorry we cannot suggest without considering your entire risk profile and your goals.

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Answered on Feb 12, 2024

Question by shailesh - Nov 19, 2023Hindi

my daughter age 24 years old which SIP would be best for long term of 20 thousand /month for direct investment

Ans: You can divide it into 3 parts.
1. Largecap & Midcap
2. Flexicap
3. Small cap

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Answered on Feb 12, 2024

Question by B - Aug 23, 2023Hindi

To invest 3000 per month which sip is better

Ans: Any Equity Oriented SIP is good. Please consider your risk profile and your financial health before investing

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Answered on Feb 12, 2024

Question by Palani - Feb 10, 2024Hindi

Sir How can I know that my question is answered? If any money should be paid for this? Because I asked some questions but yet to be answered. My question is about a health regarding and rare one. I don't know why I am not answered. Palaniappan

Ans: what is the question?

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Answered on Feb 12, 2024

Asked by Anonymous - Feb 11, 2024Hindi

Sir,Me and my sister jointly owns a plot in kerala. My sister wants to give her share to me.I want to sell and buy a flat in Bangalore. As selling takes time, can i take a loan and buy flat and later close the loan? Who gives short-term home loans?

Ans: Any bank or housing finance companies can provide you a loan. Please check all the loan requirements and paper work properly before taking up the loan. also, do not resort to any unauthorised lenders.

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Answered on Feb 10, 2024

Question by veer - Jul 20, 2023Hindi

which are best SIP to invest for decent returns and calculated risk

Ans: You can start sip in large caps or mid caps for decent returns and calculated risk

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Answered on Feb 10, 2024

Asked by Anonymous - Feb 08, 2024Hindi

How to start pension scheme. Currently im 56 Y

Ans: Which Pension Scheme?

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Answered on Feb 10, 2024

Asked by Anonymous - Feb 08, 2024Hindi

mai 25 saal ka hu. mujhe 3000 monthly investment karne chahta hu kaha karu kuch samjh nahi aa raha.

Ans: I suggest you start an SIP in mutual funds. You can divide between large- cap / mid-caps and small-caps.

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Answered on Feb 10, 2024

Asked by Anonymous - Feb 10, 2024Hindi

Sir, I m 39 yr women, I have 1 lac per month salary. I have 5 lac in sip, 4 lac in stock, around 5 lac in lic. I want to plan retirement at 47 age with atleast 5 cr Pls advise

Ans: hi.. Without evaluating your financial health, I will not able to give you a concrete answer to this question. I can suggest you can allocate a specific amount tagged to your retirement goal alone.

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