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Reetika Sharma
Financial Planner, MF and Insurance Expert
626 Answers | 35 FollowersFollow
Reetika Sharma is a certified financial planner and CEO of F-Secure Solutions.
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more
Answered on Apr 09, 2026
Asked by Anonymous - Mar 17, 2026Hindi
Hi Experts,
I have a query regarding my PPF (Public provident fund) investments and would really appreciate a simple explanation.
I have been investing 1.5 lakhs per year in my PPF account since March 2011. In 2014, I opened another PPF account for my minor son. Since the maximum allowed investment is 1.5 lakhs per year (combined), I started investing 1.49 lakhs in my son’s PPF and 1,000 in my own PPF from 2014 onwards.
Now that it has been 15 years, I understand I am eligible to either withdraw or extend my PPF account for another 5 years.
I have a few questions:
- When exactly can I withdraw the full amount from my PPF?
- If I withdraw from my PPF and close it, will it have any impact on my son’s PPF account, or can that continue independently?can I invest the full 1.5 lakhs in my son’s PPF account?
Lastly, I know this is subjective, but it your opinion would it make sense to withdraw the PPF amount and invest it in the stock market, especially considering markets are currently low? I know it's my decision at the end but would like to get an expert opinion.
It would really help if you could guide me so I can plan and take a sound decision.
Ans: Hi,
It makes sense for you to withdraw the entire amount once the tenure of 15 years is over which might have been last month. This way, you can maximize investment of 1.5 lakhs in your son's account henceforth.
And you can choose to go for equity mutual funds for long term to park the closure proceedings of your PPF account. And as you said, this is actually the best time to invest in the market considering these are at all times low.
Make sure to go for equity mutual funds rather than direct stocks for your investment; as direct stocks require lot of research and proper entry exit. While mutual funds comes with comparative ease to choose and invest without worrying for the individual stocks.
Also if you do not have much knowledge on how to start your investments, you can work with a dedicated advisor to guide you throughout.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It makes sense for you to withdraw the entire amount once the tenure of 15 years is over which might have been last month. This way, you can maximize investment of 1.5 lakhs in your son's account henceforth.
And you can choose to go for equity mutual funds for long term to park the closure proceedings of your PPF account. And as you said, this is actually the best time to invest in the market considering these are at all times low.
Make sure to go for equity mutual funds rather than direct stocks for your investment; as direct stocks require lot of research and proper entry exit. While mutual funds comes with comparative ease to choose and invest without worrying for the individual stocks.
Also if you do not have much knowledge on how to start your investments, you can work with a dedicated advisor to guide you throughout.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
Sir i opened an nps account, i deposited 2500 initially but it is showing market value as 2332 therefore i am afraid i will loose money in this i already have ppf account therefore how can i close nps account now and get back my invested money
Ans: Hi Manoj,
It is completely normal to see a temporary dip in the market value (from ?2,500 to ?2,332) immediately after investing, as NPS funds are market-linked. This happens due to market volatility and initial charges/entry loads.
However, if you wish to close your account, it is important to understand the rules and that premature closure will mean you cannot immediately take back the money under normal circumstances.
Premature exit (voluntary closure) is permitted only after completing a mandatory 5 years of participation in the NPS.
Hence the invested amount will have to be there for next 5 years. Consider it a long term investment.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It is completely normal to see a temporary dip in the market value (from ?2,500 to ?2,332) immediately after investing, as NPS funds are market-linked. This happens due to market volatility and initial charges/entry loads.
However, if you wish to close your account, it is important to understand the rules and that premature closure will mean you cannot immediately take back the money under normal circumstances.
Premature exit (voluntary closure) is permitted only after completing a mandatory 5 years of participation in the NPS.
Hence the invested amount will have to be there for next 5 years. Consider it a long term investment.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
1
Answered on Apr 09, 2026
Asked by Anonymous - Mar 23, 2026Hindi
I am 46 years old. We have family of 4 me, my wife and two sons 17 and 9 yrs old. I am having a flat to live in. At present have almost 81 lac investment in Mutual Fund, 15 lac in FD and SIP of 1,00,000 pm. I want to create corps for my retirement at age of 61 of having a monthly income of 1.50 lac. please advise investment.
Ans: Hi,
You have saved and invested quite good at your age. You still have 15 years to retire.
Your current SIP of 1 lakh pm with 81 lakhs will become 9 crores. This will be good to cover your retirement.
This is considering that other goals like kids higher education and marriage are already taken care of.
Share if you have other financial goals as well.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have saved and invested quite good at your age. You still have 15 years to retire.
Your current SIP of 1 lakh pm with 81 lakhs will become 9 crores. This will be good to cover your retirement.
This is considering that other goals like kids higher education and marriage are already taken care of.
Share if you have other financial goals as well.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
I have invested in policy bazaar ulip ..max online saving plan.tata smart sip .. capita gurantee solution..it return show 16 percent..it is good to invest like mutual fund
Ans: Hi Kailash,
Investing in plans like these is not recommended as these are highly commissioned. Better to choose SIPs in mutual funds with the help of an advisor.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Investing in plans like these is not recommended as these are highly commissioned. Better to choose SIPs in mutual funds with the help of an advisor.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
I have purchased 600 units @ Rs10/ per unit in the month of march 1994. I have certificate of acknowledgement MEP-94. Can I redeem my fund ?
Ans: Hi Ashok,
Yes, you can redeem your fund. The UTI Master Equity Plan 1994 (MEP-94) was merged into the UTI Master Equity Plan Unit Scheme (UTI-MEPUS) in March 2003.
You can redeem your 600 units (or the converted equivalent units) at the current NAV of the UTI Master Equity Plan Unit Scheme.
You can check the current value of your 600 units by looking up "UTI Master Equity Plan Unit Scheme - Growth" on sites like Value Research or Moneycontrol.
Ensure you take the original certificate to the service center to surrender it.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Yes, you can redeem your fund. The UTI Master Equity Plan 1994 (MEP-94) was merged into the UTI Master Equity Plan Unit Scheme (UTI-MEPUS) in March 2003.
You can redeem your 600 units (or the converted equivalent units) at the current NAV of the UTI Master Equity Plan Unit Scheme.
You can check the current value of your 600 units by looking up "UTI Master Equity Plan Unit Scheme - Growth" on sites like Value Research or Moneycontrol.
Ensure you take the original certificate to the service center to surrender it.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
I want to invest INR 30 lakhs (lump sum amount) in mutual funds in this month. Suggest me some reliable funds so that I can get a return of double the investment amount in 6 year or less.
(I saw an advertisement of ICL fincorp NCD Feb-26 which gives an option of double the investment amount at the end of 72months.)
Ans: Hi Pandian,
Getting rich overnight often leada to nowhere. Ads like you mentioned are a best way to take money out of your pocket.
Trust me, you will not be able to double your money in less than 6 years. If anyone guarantees you this and guide you, you will be scammed.
Please correct your approach towards investment. Your money can be doubled in 7 years depending on market volatitlity (not guaranteed).
If you want to invest your 30 lakhs for 6 years, you can choose a mix of equity and hybrid funds to generate a return of 10% annually. Work with a proper advisor to park this money and try not to follow such ads.
Get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Getting rich overnight often leada to nowhere. Ads like you mentioned are a best way to take money out of your pocket.
Trust me, you will not be able to double your money in less than 6 years. If anyone guarantees you this and guide you, you will be scammed.
Please correct your approach towards investment. Your money can be doubled in 7 years depending on market volatitlity (not guaranteed).
If you want to invest your 30 lakhs for 6 years, you can choose a mix of equity and hybrid funds to generate a return of 10% annually. Work with a proper advisor to park this money and try not to follow such ads.
Get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
Asked by Anonymous - Mar 10, 2026Hindi
Hello Madam, What is the taxation for DSP Multi allocation fund, if investing for 3 years ? Also if I wish to invest in debt mutual funds what are your recommendations considering investing for 2-3 years, the returns and taxation for Highest income bracket ? Please give your feedback. Thanks.
Ans: Hi,
Please help me with your income and other details for guiding in the best possible way.
However, if investing for more than 3 years in DSP multi allocation fund, all the gains with more than 2 years will be taxed as per LTCG at 12.5% and rest as per STCG.
You can choose variety of debt funds like ICICI Pru Short term fund to allocate money for 2-3 years.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Please help me with your income and other details for guiding in the best possible way.
However, if investing for more than 3 years in DSP multi allocation fund, all the gains with more than 2 years will be taxed as per LTCG at 12.5% and rest as per STCG.
You can choose variety of debt funds like ICICI Pru Short term fund to allocate money for 2-3 years.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
Hi Dev
Can you please review my portfolio and suggest
1 SBi Focused regular 4k sip (started with 2k in 2023 increased 1k in 24 and 25) -- planning to continue 2 ppfas flexi cap 3k sip(started in mar 2024) -- continue 3 nippon small cap 3k sip (strated i june 2024) -- continue 4 mirae asset elss 2k sip(started in mar 2024) -- stop once reach 1 lakh current around 58k invested 5 zerodha nifty 250 large-mid 2k sip ( started from jun 2024) -- stop once reach 1 lakh current around 36k invested 6 hsbc multi cap 2k sip ( started from dec 2024) stop once reach 1 lakh current around 24k invested 7 motilal oswal 500 momentum 50 2k sip( started from oct 2024) -- continue 8 motilal oswal mid cap 2k sip (stated from july 2025)
I know too many funds aiming to trim it to 4 to 5 funds and need advise on same
Ans: Hi Prasad,
While the funds mentioned are 'ok types' but still needs to work upon. Fail to understand why are you willing to stop certain SIPs after 1 lakh. Is it related to some goal or random decision?
Well, as a CFP, I would like you to know that this is not a right approach to investment. Your current SIPs looks out of order to me.
To get a real benefit out of your investments, you need to work with an advisor. Otherwise random goals and targets will lead your investments to nowhere.
Kindly work with an expert before continuing like this for long.
Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
While the funds mentioned are 'ok types' but still needs to work upon. Fail to understand why are you willing to stop certain SIPs after 1 lakh. Is it related to some goal or random decision?
Well, as a CFP, I would like you to know that this is not a right approach to investment. Your current SIPs looks out of order to me.
To get a real benefit out of your investments, you need to work with an advisor. Otherwise random goals and targets will lead your investments to nowhere.
Kindly work with an expert before continuing like this for long.
Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
Asked by Anonymous - Mar 06, 2026Hindi
Answered on Apr 09, 2026
Asked by Anonymous - Feb 25, 2026Hindi
Is it worth Taking the LIC policy or SIP
Ans: Hi,
Choosing SIP is always the best option. LIC has certain points:
- LIC comes with a lock-in.
- LIC gives 4% annual return when calculated. It is even less than FD.
If you think SIP is risky, go for simple FD but do not choose FD.
And if you want to start investing via SIPs, get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Choosing SIP is always the best option. LIC has certain points:
- LIC comes with a lock-in.
- LIC gives 4% annual return when calculated. It is even less than FD.
If you think SIP is risky, go for simple FD but do not choose FD.
And if you want to start investing via SIPs, get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 09, 2026
I have invested in following Mutual funds almost in equal percentages. Is it good strategy or I should modify. Please suggest: ICICI Prudential Nifty 50 Index Fund – Idcw, Tata Balanced Advantage Fund Regular Plan Growth, SBI Large and Midcap Fund Regular Growth, AXIS LARGE CAP FUND - Growth, Bank Of India Flexi Cap Fund Regular Plan – Growth, JM Flexicap Fund - Growth Option, HDFC Small Cap Fund - Regular Plan - Growth Option, HDFC Nifty50 Equal Weight Index Fund Regular Plan Growth, ICICI Prudential Large Cap Fund Erstwhile Bluechip Fund – Growth, ICICI Prudential Nifty50 Equal Weight Index Fund – Growth, Canara Robeco Large Cap Fund Regular growth, Kotak Multi Asset Omni FOF – Growth, SBI Contra Fund - Regular Plan – Growth, SBI Gilt Fund Regular Growth, Bandhan Gilt Fund - Regular Plan – Growth, ICICI Prudential Balanced Advantage Fund – Growth, HDFC Balanced Advantage Fund - Regular Plan - Growth
Ans: Hi Sundar,
The mentioned funds are not recommended. It is a very scattered and meaningless allocation which will not be helpful for long term.
Advice you to get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
The mentioned funds are not recommended. It is a very scattered and meaningless allocation which will not be helpful for long term.
Advice you to get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 06, 2026
i have invested in Silv and Gold ETF. Is it good to keep as i am in 10% negative
Ans: Hi Narendra,
Looks like you bought it at high. What is your invested amount? It will help me to guide you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Looks like you bought it at high. What is your invested amount? It will help me to guide you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 06, 2026
after paying long term capital gain i have 4cr available for investment look to get 2 to 3 lac per month kindly advice the right and safe investment
Ans: Hi Raj,
Generating a monthly income of ?2–3 lakh (with 10% annualized return) on a ?4 crore corpus is achievable while prioritizing safety, but it requires a diversified approach rather than putting all funds into a single instrument.
Based on current Indian market conditions (2026), to ensure both safety and high monthly income, a diversified portfolio approach is recommended.
>> A blend of fixed income for safety and equity/hybrids for growth to combat inflation is ideal.
- Fixed Income (25% - ?1 Crore): Focus on guaranteed, high-security instruments.
- Hybrid/Equity (50% - ?2 Crore): provides a balance of safety and growth.
- Equity Income Funds (15%): Invest in large-cap companies.
- Liquidity & Hedging (10% - ?40 Lakh): Gold ETF/Sovereign Gold Bonds: As a hedge against inflation and equity risk.
How to Structure the Monthly Income - Systematic Withdrawal Plan (SWP): Set up an SWP from debt and balanced funds. This is highly tax-efficient compared to interest payouts.
>> Safety vs. Return: To get ?3 lakh per month, you need 9% returns. A 9% return carries higher risk than 6-7%. If safety is the absolute priority, aim for ?2 lakh per month, which requires a more achievable 6% return.
>> Inflation Protection: Do not put 100% in fixed deposits, as inflation will erode the purchasing power of your ?3 lakh over time. The 40% equity/hybrid portion is crucial.
Consult a Professional: Kindly work with a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Generating a monthly income of ?2–3 lakh (with 10% annualized return) on a ?4 crore corpus is achievable while prioritizing safety, but it requires a diversified approach rather than putting all funds into a single instrument.
Based on current Indian market conditions (2026), to ensure both safety and high monthly income, a diversified portfolio approach is recommended.
>> A blend of fixed income for safety and equity/hybrids for growth to combat inflation is ideal.
- Fixed Income (25% - ?1 Crore): Focus on guaranteed, high-security instruments.
- Hybrid/Equity (50% - ?2 Crore): provides a balance of safety and growth.
- Equity Income Funds (15%): Invest in large-cap companies.
- Liquidity & Hedging (10% - ?40 Lakh): Gold ETF/Sovereign Gold Bonds: As a hedge against inflation and equity risk.
How to Structure the Monthly Income - Systematic Withdrawal Plan (SWP): Set up an SWP from debt and balanced funds. This is highly tax-efficient compared to interest payouts.
>> Safety vs. Return: To get ?3 lakh per month, you need 9% returns. A 9% return carries higher risk than 6-7%. If safety is the absolute priority, aim for ?2 lakh per month, which requires a more achievable 6% return.
>> Inflation Protection: Do not put 100% in fixed deposits, as inflation will erode the purchasing power of your ?3 lakh over time. The 40% equity/hybrid portion is crucial.
Consult a Professional: Kindly work with a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 06, 2026
HI, I have a Home loan of 1.2crore, Recently I have received 92L from selling the old house, can you tell me should I go ahead re-paying 92L home loan our of remaining 1.2 crore or should I do the part payment, if part payment then how much amount should I repay hole loan and how much I can invest part of my money. I want to keep at least 10L for contingencies
Ans: Hi Ameya,
Out of 92 lakhs - keep 12 lakhs in FD for emergency; prepay home loan worth 30 lakhs and invest the rest in equity and balanced mutual funds.
You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Out of 92 lakhs - keep 12 lakhs in FD for emergency; prepay home loan worth 30 lakhs and invest the rest in equity and balanced mutual funds.
You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Apr 06, 2026
Hi team,
I am 30 years old earning 1.56 lpm
I am investing 80k in 10 different MFs
My expenses are around 45k pm
I am saving 30k per month for travel next year
I have 8.6 lacs in MF
1.6 lacs in FD
74k in ppf
Would you suggest any changes like investing in gold or silver etfs? I also would like to retire early if possible please guide retirement assuming 80k per month in today’s expenses (hypothetical)
Ans: Hi Shreyas,
You're doing quite well in terms of your expenses and investments. You seem to be clear with what you desire (travel fund). This disciplined approach always rewards the investor.
Wrt your current investments, 80k in 8 funds looks good. However make sure that the funds are aligned with your long term goals.
If you continue investing this way, you will achieve 4 crores in next 15 years and 8 crores in 20 years.
You can retire at the age of 45 with this discipline. Make sure to step up your SIP each year.
Also connect with a professional to have them check your current allocations and correct them if required.
Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You're doing quite well in terms of your expenses and investments. You seem to be clear with what you desire (travel fund). This disciplined approach always rewards the investor.
Wrt your current investments, 80k in 8 funds looks good. However make sure that the funds are aligned with your long term goals.
If you continue investing this way, you will achieve 4 crores in next 15 years and 8 crores in 20 years.
You can retire at the age of 45 with this discipline. Make sure to step up your SIP each year.
Also connect with a professional to have them check your current allocations and correct them if required.
Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 19, 2026
Dear Sir, I am 58 years old. I am holding a PF saving of 2.5 cr, what is the best way to earn monthly income while my capital amount is protected? I wish to earn monthly amount with stress free so that it supports my family. W are family of 3 with son studying in 8th Standard. Also I have a Annuity policy from Max life which will give me a monthly income of 26000 for life.
Ans: Hi Sunil,
You are getting 26k from annuity policy. Additional monthly expenses can easily be covered using your existing PF of 2.5 crores.
Can go with the below options:
1. SCSS - 30 lakhs (jointly with spouse). 8.2% interest with quarterly payout.
2. FD - 50 lakhs. Emergency net.
3. Mix of hybrid and debt mutual funds using bucket strategy for remaining 1.5 crores. Can do a monthyl SWP. This approach is tax efficient, preserves capital and grow that without any risk.
4. Keep 20 lakhs in equity mutual funds for your kid's higher education. This amount will grow substantially when he turns 18 and will take care of the expenses.
Do work with a professional to work out on this strategy.
Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You are getting 26k from annuity policy. Additional monthly expenses can easily be covered using your existing PF of 2.5 crores.
Can go with the below options:
1. SCSS - 30 lakhs (jointly with spouse). 8.2% interest with quarterly payout.
2. FD - 50 lakhs. Emergency net.
3. Mix of hybrid and debt mutual funds using bucket strategy for remaining 1.5 crores. Can do a monthyl SWP. This approach is tax efficient, preserves capital and grow that without any risk.
4. Keep 20 lakhs in equity mutual funds for your kid's higher education. This amount will grow substantially when he turns 18 and will take care of the expenses.
Do work with a professional to work out on this strategy.
Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 19, 2026
Sir, I m sr. citizen and have 10 lakhs to invest for 5 to 7 years, where do I invest the money? I do not have any immediate liabilities to pay
Ans: Hi,
Best option for you is to open a Senior Citizen Saving Scheme (SCSS) account with 10 lakhs. This will give interest of 8.2% pa payable quarterly. Time duration - 5 years lockin with 3 year extension.
Make an RD of the quarterly interest payout.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Best option for you is to open a Senior Citizen Saving Scheme (SCSS) account with 10 lakhs. This will give interest of 8.2% pa payable quarterly. Time duration - 5 years lockin with 3 year extension.
Make an RD of the quarterly interest payout.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 19, 2026
Asked by Anonymous - Feb 17, 2026Hindi
HI i am a 42 years pvt sector employee. I am currently investing in MF SIP of 50/52k per month (avg age 5 years) and accumulated MF corpus till date including a few old ones stands at 33 lakhs. NPS of 6k per month, PPF 4k per month and 25k pm in EPFO including employers share. I have an o/s home loan of 1.25 crs @ 7.10% and plan to pay it off in next 10 years. Retirement age is 58 and desired corpus by retirement should be 7-8 crores. Please advice am i on right track and any changes to the investment strategy required? also i do plan to increase allocation to mf by min 15% annually till retirement age. My Term cover is 50 lakhs. Mediclaim of 20 + 20 lakhs top up and my wife has a 50 lakhs mediclaim. We dont plan any kids.
Ans: Hi,
You have done great by accumulating so much at your age. This is commendable.
you want to retire after 16 years at the age of 58. Let us go through your financials in detail:
- Monthly contributions in PPF, EPF and NPS - 35k - good, continue it. This entire amount is going into debt instruments and will be helpful to cover your expenses immediately after retirement.
- Current HL outstanding - 1.25 cr at 7.1% - this is quite cheap. Do not rush into prepaying the loan. Take 10 years time and pay it slowly. Rather focus on increasing contributions towards MF as that will build your long term wealth.
- 33 lakhs MF corpus with 52k SIP at 15% annual stepup. This will generate 9 crores corpus when you turn 58 (more than your target). Stay focussed and make sure that you have chosen right funds wrt your goals. Investing on random tips and only direct index funds is not sufficient.
- Term cover - 50 lakhs - can be increased to 1cr.
- Health - take a super top up of 50 lakhs considering high medical costs and your increasing age.
Overall things are going good. You just need to maintain the discipline. You can also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have done great by accumulating so much at your age. This is commendable.
you want to retire after 16 years at the age of 58. Let us go through your financials in detail:
- Monthly contributions in PPF, EPF and NPS - 35k - good, continue it. This entire amount is going into debt instruments and will be helpful to cover your expenses immediately after retirement.
- Current HL outstanding - 1.25 cr at 7.1% - this is quite cheap. Do not rush into prepaying the loan. Take 10 years time and pay it slowly. Rather focus on increasing contributions towards MF as that will build your long term wealth.
- 33 lakhs MF corpus with 52k SIP at 15% annual stepup. This will generate 9 crores corpus when you turn 58 (more than your target). Stay focussed and make sure that you have chosen right funds wrt your goals. Investing on random tips and only direct index funds is not sufficient.
- Term cover - 50 lakhs - can be increased to 1cr.
- Health - take a super top up of 50 lakhs considering high medical costs and your increasing age.
Overall things are going good. You just need to maintain the discipline. You can also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 19, 2026
I want to invest in mutual fund or gold ETF which is better ... If mutual fund which are 2 good mutual funds.
Ans: Hi Ashraf,
Both are equally good. Can invest 30% in gold etf and 70% in mutual funds. But make sure investments do not depend upon only better part. Invest wrt your individual profile. Work with a professional and focus on wealth building.
Can consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Both are equally good. Can invest 30% in gold etf and 70% in mutual funds. But make sure investments do not depend upon only better part. Invest wrt your individual profile. Work with a professional and focus on wealth building.
Can consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 18, 2026
Asked by Anonymous - Feb 05, 2026Hindi
I have taken early retirement from my active job of 10hrs, i have 48L of Mutual Fund 54L of Shares 30L FD and 24L LIC maturity in 2031, i have 1 daughter doing B.Tech last year and 1 son in 6 std now. Is above Investment will be sufficient for me for next 20 yrs i will withdraw 12 L yearly as SWP after 10 yrs from now & i will work as freelancer for my monthly expenses of 60K & 40K SIP till next 10 years. Please advise is the corpus is fine.
Ans: Hi,
Congratulations on your early retirement. It is really good that you'll do freelance work for next 10 years to cover your monthly expenses of 60,000 rupees.
- If you will continue the SIP of 40k for upcoming 10 years, your total mutual fund corpus would become 2 crores.
- current stock portfolio needs to be safely moved to mutual funds as direct stock investment is very risky. it needs porper research and entry exit and any mistake can cause a huge drop in the numbers. kindly consider reallocating 50 lakhs into hybrid mutual funds.
- LIC maturities should be parked in a mix of debt and hybrid funds so as to create proper diversification wrt risk.
- Properties are good investment, can hold.
These can cover your expenses for next 20 years. Make sure to follow the right investment strategy.
However, to cover cost of higher education of your son, consider investing more wrt to that particular goal.
And it is extremely important for you to take an expert advice wrt your indivdual profile. Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Congratulations on your early retirement. It is really good that you'll do freelance work for next 10 years to cover your monthly expenses of 60,000 rupees.
- If you will continue the SIP of 40k for upcoming 10 years, your total mutual fund corpus would become 2 crores.
- current stock portfolio needs to be safely moved to mutual funds as direct stock investment is very risky. it needs porper research and entry exit and any mistake can cause a huge drop in the numbers. kindly consider reallocating 50 lakhs into hybrid mutual funds.
- LIC maturities should be parked in a mix of debt and hybrid funds so as to create proper diversification wrt risk.
- Properties are good investment, can hold.
These can cover your expenses for next 20 years. Make sure to follow the right investment strategy.
However, to cover cost of higher education of your son, consider investing more wrt to that particular goal.
And it is extremely important for you to take an expert advice wrt your indivdual profile. Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 18, 2026
I have a policy in LIC - Jeevan Tarang - The feature of the policy is Lesser PPT (only for short period say 6 years) and after fixed term 80% of premium will be returned(tax free) and 5.5% of sum assured annual survival benefits (tax free). Now this policy is discontinued. I am having this policy and PPT is over getting survival benefits. Should I surrender this policy and take away the entire amount ceasing the life cover and invest in Mutual Fund or should I continue since I got back the Premium paid and getting regularly survival benefit s plus coverage upto 100 years
Veterans please guide me
Ans: Hi Visu,
It is never a good idea to mix insurance and investment. Best would be to discontinue it immediately, take your money and invest in mutualfunds. Net LIC returns are never more than 5% annual, less than even a simple FD.
And for life cover, take a proper term insurance plan with no riders.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It is never a good idea to mix insurance and investment. Best would be to discontinue it immediately, take your money and invest in mutualfunds. Net LIC returns are never more than 5% annual, less than even a simple FD.
And for life cover, take a proper term insurance plan with no riders.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
1
Answered on Mar 18, 2026
Asked by Anonymous - Feb 05, 2026Hindi
I have taken early retirement at 54 age, My Total Investment is 2 flat worth of 1.4 CR, Gold 90L, shares 54L Mutual Fund 50L FD 30L LIC maturing in 2031 20L, 2040 20L. 1 flat Rent earning 20K monthly, i will work freelancer for next 10 yrs to earn monthly expenses now My monthly Expenses 60K and MF SIP of 40K looking at above Investment will it be sufficient for next 20 yrs
Ans: Hi,
Congratulations on your early retirement. It is really good that you'll do freelance work for next 10 years to cover your monthly expenses of 60,000 rupees.
- If you will continue the SIP of 40k for upcoming 10 years, your total mutual fund corpus would become 2 crores.
- current stock portfolio needs to be safely moved to mutual funds as direct stock investment is very risky. it needs porper research and entry exit and any mistake can cause a huge drop in the numbers. kindly consider reallocating 50 lakhs into hybrid mutual funds.
- LIC maturities should be parked in a mix of debt and hybrid funds so as to create proper diversification wrt risk.
- proeprties are good investment, can hold.
These can cover your expenses forever. Make sure to follow the right investment strategy.
However it is extremely important for you to take an expert advice wrt your indivdual profile. Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Congratulations on your early retirement. It is really good that you'll do freelance work for next 10 years to cover your monthly expenses of 60,000 rupees.
- If you will continue the SIP of 40k for upcoming 10 years, your total mutual fund corpus would become 2 crores.
- current stock portfolio needs to be safely moved to mutual funds as direct stock investment is very risky. it needs porper research and entry exit and any mistake can cause a huge drop in the numbers. kindly consider reallocating 50 lakhs into hybrid mutual funds.
- LIC maturities should be parked in a mix of debt and hybrid funds so as to create proper diversification wrt risk.
- proeprties are good investment, can hold.
These can cover your expenses forever. Make sure to follow the right investment strategy.
However it is extremely important for you to take an expert advice wrt your indivdual profile. Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 17, 2026
Asked by Anonymous - Mar 06, 2026Hindi
is kotak small cap good for long term?
Ans: Hi,
Yes. But a single fund should not be on your radar. Investing this way can do the opposite. Please follow a detailed and goal based approach towards your investments.
If you are new to it and want some help, consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Yes. But a single fund should not be on your radar. Investing this way can do the opposite. Please follow a detailed and goal based approach towards your investments.
If you are new to it and want some help, consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 12, 2026
No DICGC Cover: If an NBFC fails or goes into liquidation, your money is not protected by the ₹5 lakh insurance cover that applies to bank deposits.
Ans: Hi,
What exactly is your question here. The statement written by is true.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
What exactly is your question here. The statement written by is true.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 11, 2026
Asked by Anonymous - Mar 07, 2026Hindi
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Hi, CFPs, As I just attained 60, wish to re-allocate 1 Cr EPF corpus, 25 lac MF and 75 Lac existing FD into your suggested financial instruments for taking care of my retirement. My home debt free, one child education is complete, (marriage pending), Rest no personal liability, I have also a running Term insurance for 1Cr till age of 65 yrs and Medicaim for 20Lac
Pls. advise on investment plan. my monthly expenses are apprx 1.0 - 1.2 lac in pune
Ans: Hi,
Congratulations on your retirement. The mentioned amount (invested correctly) is more than sufficient to fund you forever with your mentioned expenses.
Total corpus - 2 crores. It will be parked in a mix of funds with different risks using bucket strategy to meet your expenses and marriage goal. You can get inflation adjusted amount monthly forever.
But do connect with an advisor to follow the right approach of investment. An advisor will design the required bucket and help you throughout your journey.
Avoid falling in trap of ULIPs or LICs or any policy that comes with a lock-in period.
Do connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Congratulations on your retirement. The mentioned amount (invested correctly) is more than sufficient to fund you forever with your mentioned expenses.
Total corpus - 2 crores. It will be parked in a mix of funds with different risks using bucket strategy to meet your expenses and marriage goal. You can get inflation adjusted amount monthly forever.
But do connect with an advisor to follow the right approach of investment. An advisor will design the required bucket and help you throughout your journey.
Avoid falling in trap of ULIPs or LICs or any policy that comes with a lock-in period.
Do connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 09, 2026
Asked by Anonymous - Dec 10, 2025Hindi
Hi, Myself Raj Banerjee aged 48 years. I am single. I work as IT professional and currently facing some challenges in job. Our current annual expense in approximately 12L. I have small house and do not plan / aspire for any more real estate. Till now I have been able to accumulate 7.2cr all in Bank FD, 80L in PF, 18L in PPF, 15L in stocks and gold (50:50 split). I do not have any Life Insurance but have medical insurance for myself (5L retail policy + 8L corporate policy). I am requesting help that assuming if I lose / leave job immediately how to plan the corpus / investment so that I can generate income from investment and plan for living till 90 years.
Ans: Hi Raj,
You have built a very strong base at your age. I understand your concern regarding job uncertainity and it is rather wise to be prepared for the worst. LEt us discuss everything in detail.
> You have 7.2 crores in FD. This entire amount needs to be reinvested in debt mutual funds. This way, the tax on FD interest can be saved. Debt mutual funds provide similar return of FD.
> You also have 80 lakhs in PF - can be of instant use in casr of a job loss.
> 18 lakhs PPF - again a good debt investment with tax benefit. Continue.
> 15 lakhs in gold and stocks. The allocation here can be increased. Can consider investing 50% of FD amount in equity and hybrid mutual funds. Avoid direct stock investment as these require in-depth knowledge and analysis.
> Medical policy cover is quite less. Take a super top up policy of 1 crore keeping in mind the rising medical cost.
In case of any job loss, you can easily manage your expenses forever (inflation adjusted).
Keep only 50 lakhs in FD. Move rest amount in mutual funds - debt, hybrid and equity.
Take a professional's help and do this right away to get maximum tax and return benefit.
Hence do connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have built a very strong base at your age. I understand your concern regarding job uncertainity and it is rather wise to be prepared for the worst. LEt us discuss everything in detail.
> You have 7.2 crores in FD. This entire amount needs to be reinvested in debt mutual funds. This way, the tax on FD interest can be saved. Debt mutual funds provide similar return of FD.
> You also have 80 lakhs in PF - can be of instant use in casr of a job loss.
> 18 lakhs PPF - again a good debt investment with tax benefit. Continue.
> 15 lakhs in gold and stocks. The allocation here can be increased. Can consider investing 50% of FD amount in equity and hybrid mutual funds. Avoid direct stock investment as these require in-depth knowledge and analysis.
> Medical policy cover is quite less. Take a super top up policy of 1 crore keeping in mind the rising medical cost.
In case of any job loss, you can easily manage your expenses forever (inflation adjusted).
Keep only 50 lakhs in FD. Move rest amount in mutual funds - debt, hybrid and equity.
Take a professional's help and do this right away to get maximum tax and return benefit.
Hence do connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 09, 2026
Hello Sir.. Can you please review my portfolio Currently i m doing SIP in below funds from alst 2 years Canara small cap. 3500 DSP Multicap. 3000 Hdfc flexi cap. 5000 Icici value discovery 3000 Kotak midcap. 2000 Motilal mid cap. 3000 SBI LAMarge & mid. 2500 Total sip per month 22000 And one time also done in above in last one Please review amd suggest if any changes nedeed.. my target is 10 years
Ans: Hi Ajay,
The mentioned funds are good for 10 years. But the current portfolio is quite overlapping in nature. Replace Motilal midcap with Axis bluechip fund.
Avoid any future lumpsum in SBI large midcap fund.
Make sure to increase your SIP amount whenever possible.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
The mentioned funds are good for 10 years. But the current portfolio is quite overlapping in nature. Replace Motilal midcap with Axis bluechip fund.
Avoid any future lumpsum in SBI large midcap fund.
Make sure to increase your SIP amount whenever possible.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 09, 2026
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/
Answered on Mar 09, 2026
Hello Sir,
My age is 45 yrs. I have started a SIP of Rs. 14000 on monthly basis in below funds since 2024:
1. TATA SMALL CAP FUND - Rs. 3000/-
2. CANERA REBECO SMALL CAP FUND - Rs. 2000/-
3. QUANT LARGE CAP FUND - Rs. 2000/-
4. ICICI PRUDENTIAL LARGE CAP BLUE CHIP FUND - Rs. 2000/-
5. BANDHAN SMALL CAP FUND - Rs. 2000/-
6. KOTAK SHUBH LABH FUND (COMMODITY FUND) - Rs. 2000/-
Also, I have a lumpsum investment of Rs. 5 lakhs 30 thousands.
All these investments are for long terms. My goal is minimum 3 Crores in next 20 yrs. Kindly suggest to reach to the goal and provide best options if any. Thank you.
Ans: Hi Anil,
Its really good that you have started investing in mutual funds for long term via SIP and lumpsum amounts.
However the funds you mentioned are very much overlapping in nature and should be avoided. Simply choose 1 largecap, 1 midcap, 1 smallcap, 1 flexicap and 1 asset allocator fund. Stop current SIPs and shift the money into the mentioned mix.
Your current investment can only make 1.8 crores in 20 years. But if you stepup your monthly SIP by 10% each year, you can easily get 3 crores in 20 years (assuming 12% CAGR).
Please remake your portfolio and start new SIPs. Or you can chosoe to consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Its really good that you have started investing in mutual funds for long term via SIP and lumpsum amounts.
However the funds you mentioned are very much overlapping in nature and should be avoided. Simply choose 1 largecap, 1 midcap, 1 smallcap, 1 flexicap and 1 asset allocator fund. Stop current SIPs and shift the money into the mentioned mix.
Your current investment can only make 1.8 crores in 20 years. But if you stepup your monthly SIP by 10% each year, you can easily get 3 crores in 20 years (assuming 12% CAGR).
Please remake your portfolio and start new SIPs. Or you can chosoe to consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 09, 2026
Asked by Anonymous - Jan 13, 2026Hindi
I am 47 years old and my wife is 45. My mother lives with me. I have a daughter currently studying in 9th class. I have a own use flat in Pune and a small flat in Mumbai approx 55 Lacs valued. We have a combined Corpus of approx rs 4 crores. 78 Lacs in Equity and MF. SGB of 94 Lacs current value, VPF and Gratuity 1.25 crores, remaining in PPF, SSY, FDs and Savings account. Current monthly expenses are around rs 2 Lacs per month. Daughter school and tution expenses are around 70k per month. Please guide if it is safe for us to take early retirement now
Ans: Hi,
You have accumulated quite good amount at your age. Let us go through your financials in detail.
Your current monthly expenses ~2 lakhs; current corpus ~ 4 crores.
- 55 lakhs value flat in Mumbai.
- 78 lakhs in equity and mutual funds - good, hold it.
- 94 lakhs SGB - hold it till maturity. Upon maturity, redirect the entire funds into mutual funds for your retirement.
- 1.25 crores - Gratuity and VPF - good hold.
- Remaining 1 crore - PPF, SSY, FDs and Savings account.
If you choose to retire now, your corpus will deplete very rapidly considering your current expenses and the return they are generating. You will need to increase withdrawal by 5-6% each year to keep up with inflation, while the returns generated by them are barely 7-8%.
You should start doing:
> You haven't mentioned about higher education expenses for your daughter. You need a dedicated education fund amount for her apart from 4 crores.
> As you mother is aged, need a separate fund for her health as well.
> If you wish to retire now, can consider reducing your expenses to 1.5 lakhs.
> To withdraw 2 lakhs per month, try to get 5 crores of minimum corpus along with a separate education fund for daughter and a dedicated health fund for your mother.
Hence consider working for another 2-3 years till the amount is achievable.
Also make note of reinvesting the entire 5 crores strategically using advisor's help. A proper retirement strategy should be followed to park the entire amount with varying risks so as to fund your retirement smoothly.
A mix of equity, debt and liquid funds will help you here.
Hence do consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have accumulated quite good amount at your age. Let us go through your financials in detail.
Your current monthly expenses ~2 lakhs; current corpus ~ 4 crores.
- 55 lakhs value flat in Mumbai.
- 78 lakhs in equity and mutual funds - good, hold it.
- 94 lakhs SGB - hold it till maturity. Upon maturity, redirect the entire funds into mutual funds for your retirement.
- 1.25 crores - Gratuity and VPF - good hold.
- Remaining 1 crore - PPF, SSY, FDs and Savings account.
If you choose to retire now, your corpus will deplete very rapidly considering your current expenses and the return they are generating. You will need to increase withdrawal by 5-6% each year to keep up with inflation, while the returns generated by them are barely 7-8%.
You should start doing:
> You haven't mentioned about higher education expenses for your daughter. You need a dedicated education fund amount for her apart from 4 crores.
> As you mother is aged, need a separate fund for her health as well.
> If you wish to retire now, can consider reducing your expenses to 1.5 lakhs.
> To withdraw 2 lakhs per month, try to get 5 crores of minimum corpus along with a separate education fund for daughter and a dedicated health fund for your mother.
Hence consider working for another 2-3 years till the amount is achievable.
Also make note of reinvesting the entire 5 crores strategically using advisor's help. A proper retirement strategy should be followed to park the entire amount with varying risks so as to fund your retirement smoothly.
A mix of equity, debt and liquid funds will help you here.
Hence do consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 06, 2026
Asked by Anonymous - Dec 30, 2025Hindi
Sir,
I am working as contractual employee which does not provide epf and nps. I am planning to start a NPS with an amount of Rs. 2000/ from pension perspective after 60 yrs. My age is 40 yrs. So should I opt for NPS or should I invest in any pension fund from hdfc or tata etc etc.
Ans: Hi,
It is better for you to start NPS rather than going for a private pension fund. Try and increase the contribution whenever possible for a secured and increased pension amount post 60.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It is better for you to start NPS rather than going for a private pension fund. Try and increase the contribution whenever possible for a secured and increased pension amount post 60.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Mar 06, 2026
I am doing SIP for following mutual funds, should I adjust my SIP amount between these funds or start investing into new funds also (Small cap or Metal ETFs or others) to get better future returns with some stability. SIP % amount mentioned with each fund, total SIP amount is Rs. 29000 per month. I wish to increase it to Rs. 40000 per month. I have take little risk and looking for 7-10 year horizon. started investing since last 1 year. I am into late 40s. I efficiently use PPF/NPS/SSY for family members. Is it worth to start Vatsalya NPS as well? SBI Equity Hybrid Fund (14%), ICICI Prudential Equity & Debt Fund (14%), Parag Parikh Flexi Cap Fund (17%), HDFC Mid Cap Fund (28%), ICICI Prudential Large Cap Fund (28%)
Ans: Hi SP,
Let us go through the details one at a time.
- You are investing in PPF, NPS n SSY for family. This is good with risk free returns. Continue doing the same.
- No requirement for NPS Vatsalaya for long term.
- You are doing good and your portfolio looks quite balanced considering the amount and % mentioned. You have a good blend of equity and hybrid funds for stability.
- However can consider adding small cap as well for the long term horizon of 10 years. Start a new SIP of 4000 in Axis Small Cap.
- Increase contribution to flexicap fund and SBI Equity Hybrid fund.
- Avoid investing in sectoral funds like metal sectors as these are cyclic performers and not required for your time period.
Overall it looks good but yet you may consider consulting a professional for long term goals and aligning your investments with your goals.
Hence can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Let us go through the details one at a time.
- You are investing in PPF, NPS n SSY for family. This is good with risk free returns. Continue doing the same.
- No requirement for NPS Vatsalaya for long term.
- You are doing good and your portfolio looks quite balanced considering the amount and % mentioned. You have a good blend of equity and hybrid funds for stability.
- However can consider adding small cap as well for the long term horizon of 10 years. Start a new SIP of 4000 in Axis Small Cap.
- Increase contribution to flexicap fund and SBI Equity Hybrid fund.
- Avoid investing in sectoral funds like metal sectors as these are cyclic performers and not required for your time period.
Overall it looks good but yet you may consider consulting a professional for long term goals and aligning your investments with your goals.
Hence can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
1
Answered on Feb 26, 2026
I'm having around 20 lakhs money left from homeloan. I'm thinking to invest it. Pls suggest is it legal to invest home loan money into other sectors. Pls suggest some investment ideas for this amount. Also I have mutual fund portfolio of 10 lakhs. I am thinking to add some money into this and real estate.
Ans: Hi Sharath,
You cannot use the home loan in investments. This is illegal. If you have excess, best would be to return the same to bank and reduce your overall EMIs.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You cannot use the home loan in investments. This is illegal. If you have excess, best would be to return the same to bank and reduce your overall EMIs.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 26, 2026
Asked by Anonymous - Jan 28, 2026Hindi
sir,
Iam some money rs:5 lacs investment in gold options below mentioned
1.gold etf
2.digital gold
3.gold coins and bars
4.sovereign gold bond
5.gold mutual fund
6.physicial gold
question:
i gold investment above options benefit for investment purposes.
Ans: Hi,
Gold ETF is the best form of investment if you want to invest in gold. However make sure to invest wisely and do not put entire amount in a single instrument.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Gold ETF is the best form of investment if you want to invest in gold. However make sure to invest wisely and do not put entire amount in a single instrument.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 25, 2026
Asked by Anonymous - Feb 03, 2026Hindi
Why my mutual funds shown loss when sensex up by 900 point yesterday
Ans: Markets work like this only. Movement of mutual funds depends solely on the movement of stocks they have. If you horizon is long term, these daily movements doesn't matter.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 25, 2026
sir,how to save LTCG ,wheather and formula to invest in eqity,m.f. ,property.
Ans: Hi,
To save LTCG, a strategic and timely planning is required.
Currently, tax rate for LTCG is 12.5% (gains exceeding 1.25L for equity/MFs) and indexation has been removed for most assets but it is retained for property bought before July 23, 2024.
LTCG can be saved in the following ways:
- Gains up to 1.25L per financial year from listed equity shares and equity-oriented mutual funds are tax-free.
- If you sell shares/MFs and invest the net sale amount (not just the profit) into a new residential house within 1 year before or 2 years after the sale, you can claim exemption u/s 54F.
- On selling a residential property, Investing the net proceeds into buying or constructing another residential property exempts LTCG u/s 54.
- You can invest LTCG into bonds issued by REC, NHAI, PFC, or IRFC within 6 months of the sale (5 years lock-in).
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.
To start your investments in Mutual Funds, suggest you to connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
To save LTCG, a strategic and timely planning is required.
Currently, tax rate for LTCG is 12.5% (gains exceeding 1.25L for equity/MFs) and indexation has been removed for most assets but it is retained for property bought before July 23, 2024.
LTCG can be saved in the following ways:
- Gains up to 1.25L per financial year from listed equity shares and equity-oriented mutual funds are tax-free.
- If you sell shares/MFs and invest the net sale amount (not just the profit) into a new residential house within 1 year before or 2 years after the sale, you can claim exemption u/s 54F.
- On selling a residential property, Investing the net proceeds into buying or constructing another residential property exempts LTCG u/s 54.
- You can invest LTCG into bonds issued by REC, NHAI, PFC, or IRFC within 6 months of the sale (5 years lock-in).
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.
To start your investments in Mutual Funds, suggest you to connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 25, 2026
Dear sir,
I am 42 yrs old with wife and 2 sons 1 yrs old and 5 yrs old. I have monthly income of 1.5 lacs excluding taxes. I have one health insurance 10lacs and 1 term insurance 1cr. Now I want to save money for emergency fund and invest in mutual funds for goals like my 2 sons educations , retirement planning and 1 short term investment to buy a car of 15 lacs. I can't do monthly SIP. Can u suggest me to invest in yearly basis and I need help or some financial advisor for investing .
Vadivel.a
Ans: Hi Vadivel,
I always say it is never too late to start your investments.
To cater to the goals of your kids education, your retirement and for your car, mutual funds is the only best option for you. If you cannot do a monthly SIP, you can choose to invest into mutual funds with an option of whenever the funds are available.
Also for emergency fund, have atleast 6 months worth expenses in FD or liquid mutual funds. Start adding 50% of the money (whenever available) to this first.
Connect with a professional to get started with the same in detail.
Hence consult with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
I always say it is never too late to start your investments.
To cater to the goals of your kids education, your retirement and for your car, mutual funds is the only best option for you. If you cannot do a monthly SIP, you can choose to invest into mutual funds with an option of whenever the funds are available.
Also for emergency fund, have atleast 6 months worth expenses in FD or liquid mutual funds. Start adding 50% of the money (whenever available) to this first.
Connect with a professional to get started with the same in detail.
Hence consult with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 25, 2026
I have queries related to capital gain tax.To give a bit background, I purchased a second hand property(flat) in 2022 with below detais :
Ownership(Joint) : me (doing private job) and mother (Senior citizen/House wife) having around 1L yearly income based on FD's.
Purchase price : 69 L
Brokerage charges : 1 L
Registration/stamp charges : 3.5L
Insurance(one time) : Rs 28,000
Repair expenses : 4L
Property Mutation Charge : Rs 55,500
Loan amount : 50 L
Mother helped with her funding 11L for purchasing as well.
Till now , I am paying EMI's that would make around 17L.
Now am planning to sale the property at a price ,so that my expenses till date are covered and with that I will close the Loan due(Rs 48L).
Can you please suggest in detail how the sale can be made so that the capital gain is saved as much balancing between me and my mother(senior citizen/Houswife).Father expired.
Ans: Hi Parth,
Total cost of the flat to you is - 69L + 1L (if you have brokerage receipt) + 3.5L + 28k + 4L + 55.5k = approx. 78 lakhs.
Based on the sale price, tax will incur on the excess amount of 78 lakhs. Assuming you sold it for 90 lakhs, 12 lakhs would be taxable at either 12.5% (no indexation) or 20% (with indexation).
Your share of profit will be taxed at 12.5% (LTCG) and your mother's share will be taxed at her slab rate (exemption of 3 lakhs).
You can invest the amount in following ways to avoid any tax on the gains:
- Exemption u/s 54 - invest the amount in any residential property within next 2 years.
- sec 54EC - reinvest the capital in NHAI or REC bonds to save tax upto 50L
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.
Get in touch with your CA to understand further things in detail.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Total cost of the flat to you is - 69L + 1L (if you have brokerage receipt) + 3.5L + 28k + 4L + 55.5k = approx. 78 lakhs.
Based on the sale price, tax will incur on the excess amount of 78 lakhs. Assuming you sold it for 90 lakhs, 12 lakhs would be taxable at either 12.5% (no indexation) or 20% (with indexation).
Your share of profit will be taxed at 12.5% (LTCG) and your mother's share will be taxed at her slab rate (exemption of 3 lakhs).
You can invest the amount in following ways to avoid any tax on the gains:
- Exemption u/s 54 - invest the amount in any residential property within next 2 years.
- sec 54EC - reinvest the capital in NHAI or REC bonds to save tax upto 50L
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.
Get in touch with your CA to understand further things in detail.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 25, 2026
Asked by Anonymous - Jan 22, 2026Hindi
As a salaried employee, EPFO is my largest long-term investment, but its returns are stable and not very exciting. When I compare EPFO returns with the gold rate today, gold looks more attractive in certain years. For someone in their late 20s or early 30s, should EPFO remain the primary retirement tool, or should gold investments also play a bigger role?
Ans: Hi,
You have a very genuine query. Mostly people only know about EPF as their retirement and rely solely on their PF amount to cater to their retirement expenses. I will guide you with other best options:
1. PF - you already have an EPF account. More than sufficient to cater to risk-free returns of 8%. Don't increase your contribution here.
2. Gold - as you already said. But gold should not be more than 10% of your total investments. Also, if you are buying gold as an investment, go for gold ETFs or Gold mutual funds. Avoid jewellery and bullions here.
3. Mutual Funds - If you are looking for risk free returns, can opt for balanced mutual funds which give around 10% yearly return and are very safe. You can choose to start investing here for your retirement.
If your risk appetite is slightly more, you can also choose to squeeze in some equity funds.
It is very important for you to connect with a professional to understand things in detail and decide.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have a very genuine query. Mostly people only know about EPF as their retirement and rely solely on their PF amount to cater to their retirement expenses. I will guide you with other best options:
1. PF - you already have an EPF account. More than sufficient to cater to risk-free returns of 8%. Don't increase your contribution here.
2. Gold - as you already said. But gold should not be more than 10% of your total investments. Also, if you are buying gold as an investment, go for gold ETFs or Gold mutual funds. Avoid jewellery and bullions here.
3. Mutual Funds - If you are looking for risk free returns, can opt for balanced mutual funds which give around 10% yearly return and are very safe. You can choose to start investing here for your retirement.
If your risk appetite is slightly more, you can also choose to squeeze in some equity funds.
It is very important for you to connect with a professional to understand things in detail and decide.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 25, 2026
Asked by Anonymous - Dec 30, 2025Hindi
Hi, I'm 41 years old. Living with my mother, wife and two kids of age 11 and 9 years. I'm the sole earning person of my family. I'm owning 3 houses whose market value is Rs 110 lakhs in total. From these rental houses I'm earning rental income of Rs 24000 per month. Apart from this my wife is having gold worth Rs 35 lakhs. I'm having a EPF account of Rs 11 lakhs and PPF account of Rs 10 lakhs. Now I want to invest money to cater my both sons college study and also for my retirement life. My present annual earning is Rs 30 LPA.
Ans: Hi,
You have saved quite a lot at your age. To help you with your query, help me with your exact monthly take home and monthly expenses. Then I will be able to help you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have saved quite a lot at your age. To help you with your query, help me with your exact monthly take home and monthly expenses. Then I will be able to help you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 25, 2026
Asked by Anonymous - Jan 07, 2026Hindi
i am 58 y ears old.my son has mental illness,due to which i have to keep money for his future also.i have income upto 7 lakh from agriculture and hostel rental business.i have 10 lakh in ppf ,15 lakh in lic {maturity in 2027},60 lakhs in shares and mutual funds.
i will be receiving 2 crores for road compensation from goverment in this year.please inform where i should invest the amount as i have no loans.
Ans: Hi,
With the 2 crores received, you will have a total of 2.7 crores worth investible corpus. To ensure son's future, focus should me more on safe and income generating instruments. Below roadmap will suit you:
1. Invest 50 lakhs in income generating bonds. This will ensure timely interest payout and provides a return of approx. 7%.
2. Invest 50 lakhs in debt mutual funds which have low risk and provide a decent ROI of 8%.
3. Park 50 lakhs in hybrid funds.
4. Invest remaining in equity funds for their growth. I would recommend you to avoid direct stocks investment and move that to equity mutual funds as they are managed by professionals.
- Also avoid investing in LIC policy as its net return is approx. 4%
Consider setting up a private trust for your son's secured future after you are gone.
You should get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
With the 2 crores received, you will have a total of 2.7 crores worth investible corpus. To ensure son's future, focus should me more on safe and income generating instruments. Below roadmap will suit you:
1. Invest 50 lakhs in income generating bonds. This will ensure timely interest payout and provides a return of approx. 7%.
2. Invest 50 lakhs in debt mutual funds which have low risk and provide a decent ROI of 8%.
3. Park 50 lakhs in hybrid funds.
4. Invest remaining in equity funds for their growth. I would recommend you to avoid direct stocks investment and move that to equity mutual funds as they are managed by professionals.
- Also avoid investing in LIC policy as its net return is approx. 4%
Consider setting up a private trust for your son's secured future after you are gone.
You should get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 24, 2026
Asked by Anonymous - Feb 20, 2026Hindi
I have take jeevan aasha 2 ( 131) policy in 2003 for 25 years. Premium is 4917 half yearly. How much amount will found after maturity.
Ans: Hi,
You will get approx. 4.5 to 5 lakhs at maturity which will be tax-free.
Total premiums paid - 2.45 lakhs. you will get almost double amount back .
Same investment in simple FD would have given you more than that.
Avoid such policies in future.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You will get approx. 4.5 to 5 lakhs at maturity which will be tax-free.
Total premiums paid - 2.45 lakhs. you will get almost double amount back .
Same investment in simple FD would have given you more than that.
Avoid such policies in future.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 24, 2026
Asked by Anonymous - Jan 03, 2026Hindi
Answered on Feb 24, 2026
Asked by Anonymous - Feb 02, 2026Hindi
I have monthly sip of 10k. 4k in UTI nifty 50 index fund direct growth, 4k in paragh parikh flexicap fund direct growth, 2k in Nippon india smallcap fund direct growth. Am I doing it correctly. After 15 years how much lumpsum can i expect. Also are the funds good
Ans: Hi,
Your current SIPs are good. Continue and you can get 47 lakhs after 15 years.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Your current SIPs are good. Continue and you can get 47 lakhs after 15 years.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 24, 2026
Asked by Anonymous - Jan 26, 2026Hindi
Hello sir my father has taken 1000 units of UNIT TRUST OF INDIA in the year 1991. I would like to request you to do me favor of the current value and new name of the scheme also guide me to how to redeem the same thanks.
Ans: Hi,
UTI units - 1991 was later renamed to UTI Equity Fund and then merged into UTI Flexi Cap Fund.
To redeem, check the original physical unit certificate, locate the folio number & contact the nearest UTI Mutual Fund branch with KYC documents.
Or you can submit a request for unclaimed old units.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
UTI units - 1991 was later renamed to UTI Equity Fund and then merged into UTI Flexi Cap Fund.
To redeem, check the original physical unit certificate, locate the folio number & contact the nearest UTI Mutual Fund branch with KYC documents.
Or you can submit a request for unclaimed old units.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 24, 2026
I worked from Oct.1984 to Nov. 1999 in a Partnership firm and obtained scheme certifificate for this service from EPFO. I joined another partnership firm from Nov.2000 and submit my scheme certicate in this firm for merging my previous service into this firm and the acoordingly submit it to epfo for the same. I left the job from this firm on May 2005.
In 2023 I attained the age of 58 years and applied for my pf pension. It is a matter of great surprise EPFO have no record of my scheme certificate of my 1st service. Not only this my ledger is not being opened for my 2nd service which I have done from Nov.2000 to May 2005. What to do?
Sunil datta
Ans: Hi Sunil,
You should file a complaint via EPFO Grievance Management System using your scheme certificated of the 2 partnerships.
- Mention the lost Scheme Certificate on portal and provide the details such as certificate number, date of service and PF account numbers.
- submit physical copies of your scheme certificates, bank statements, pay slips in the nearest PF Office
- try to obtain a partnership letter from 2nd employer and also the 1st certificate and submit it with form 10D.
- ensure that your services are linked with UAN
- If grievance is not resolved, approach the 'Assistant PF Commissioner' at regional PF office.
The Scheme Certificate is proof of service, and the EPFO is required to honour it, even if digital records are missing.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You should file a complaint via EPFO Grievance Management System using your scheme certificated of the 2 partnerships.
- Mention the lost Scheme Certificate on portal and provide the details such as certificate number, date of service and PF account numbers.
- submit physical copies of your scheme certificates, bank statements, pay slips in the nearest PF Office
- try to obtain a partnership letter from 2nd employer and also the 1st certificate and submit it with form 10D.
- ensure that your services are linked with UAN
- If grievance is not resolved, approach the 'Assistant PF Commissioner' at regional PF office.
The Scheme Certificate is proof of service, and the EPFO is required to honour it, even if digital records are missing.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 24, 2026
Asked by Anonymous - Feb 14, 2026Hindi
Dear Sir/Madam,
I am 40+ Salaried Person. My Monthly Salary is Rs. 175000.00. The Salary is divided under the mentioned details. 1. Monthly Expenses - 51000.00 2. SIP - 44000.00 (WIFE'S SIP THROUGH MONTHLY EXPENSES 3. CHILD SIP - 25000.00 4. CAR LOAN - 22000.00 5. INVESCO NASDAQ 100 ETF - 18000.00 6. ULIP - 20000.00 7. I HAVE TO FEED FOUR PEOPLE INCLUDING ME IN THE FOUR. 8. CHILD EDUCATION AND MARRIAGE. 9. FUTURE SON OR DAUGHTER PLANNING. 10. INVESTED IN MUTUAL FUNDS THROUGH SIP - 2521930.00 CURRENT RETURNS - 4106392.00 11. INVESTED IN STOCKS - 492052.93 CURRENT VALUE - 571022.15 12. INVESTED IN STOCKS THROUGH OTHER PLATFORM - 29813.73 CURRENT VALUE - 29785.92 13. PPF - 404228.00 AS ON 31.03.2025. 14. CHILD PPF THROUGH WIFE'S ACCOUNT - 248358.00 AS ON 27.03.2025 15. LIC PREMIUM PER YEAR - 100917.14 (INCLUDING WIFE AND CHILD) 16. SOVEREIGN GOLD BONDS -25000.00 (IN THE NAME OF WIFE) 17. ICICI PRUDENTIAL PENSION FUND SCHEME - 53566.10 AS ON 31.03.2025. SIR I WANT TO KNOW THAT IN WHAT AGE I CAN GET RETIREMENT OR WHAT WILL BE THE BEST CORPUS FOR LIVING FREELY FOR ANOTHER 40 YEARS. I WILL WORK FOR 10 MORE YEARS WHEN I WILL BE 51+.
THANKING YOU,
YOURS FAITHFULLY
ASHISH AGARWAL
Ans: Hi Ashish,
As per the mentioned details, you're doing good at your age. Your monthly income is 1.75 lakhs, expenses 51k and loan 22k.
You are left with good 1 lakh amount to invest. Let us discuss these in detail one thing at a time.
- Current SIP - 44k per month. A good amount invested, make sure that funds are equity oriented and portfolio aligns with the long term investment. If you have doubts, can get them reviewd by a professional as well. A well designed portfolio can generate returns of upto 15% per year.
- Total Invested in MF - 25lakhs, current value - 41 lakhs. Continue investment with simialr discipline.
- Stocks - invested 4.9 lakhs; current - 5.7 lakhs. Shift this amount to mutual funds as direct stocks investment require proper knowledge and tracking, instead investing the same in equity funds is a better approach.
- SIP for children - 25k . Continue but make sure to have good selected funds here as well.
- PPF accounts - good, hold
- SGB - hold
- ULIP and LIC - not recommended. Avoid buying any such policy in future. They generate very low returns as compared to MFs. It is better for you to have your investments in proper instruments.
- Nasdaq ETF - continue hold.
- ICICI pension scheme - not of much use as it is locked till 60. Its better to go with PPF rather than this.
Your long term goals include your retirement, children education and marriage, child planning.
> You need a minimum corpus of 2.5 crores to retire which can fulfil your monthly expenses for next 45 years. Any additional corpus is a benefit.
> Additional amount for kids education, upto 30 lakhs in today's value and 25 lakhs for education.
You can retire once you achieve these goals with proper planning and allocation.
It is advisable for you connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
As per the mentioned details, you're doing good at your age. Your monthly income is 1.75 lakhs, expenses 51k and loan 22k.
You are left with good 1 lakh amount to invest. Let us discuss these in detail one thing at a time.
- Current SIP - 44k per month. A good amount invested, make sure that funds are equity oriented and portfolio aligns with the long term investment. If you have doubts, can get them reviewd by a professional as well. A well designed portfolio can generate returns of upto 15% per year.
- Total Invested in MF - 25lakhs, current value - 41 lakhs. Continue investment with simialr discipline.
- Stocks - invested 4.9 lakhs; current - 5.7 lakhs. Shift this amount to mutual funds as direct stocks investment require proper knowledge and tracking, instead investing the same in equity funds is a better approach.
- SIP for children - 25k . Continue but make sure to have good selected funds here as well.
- PPF accounts - good, hold
- SGB - hold
- ULIP and LIC - not recommended. Avoid buying any such policy in future. They generate very low returns as compared to MFs. It is better for you to have your investments in proper instruments.
- Nasdaq ETF - continue hold.
- ICICI pension scheme - not of much use as it is locked till 60. Its better to go with PPF rather than this.
Your long term goals include your retirement, children education and marriage, child planning.
> You need a minimum corpus of 2.5 crores to retire which can fulfil your monthly expenses for next 45 years. Any additional corpus is a benefit.
> Additional amount for kids education, upto 30 lakhs in today's value and 25 lakhs for education.
You can retire once you achieve these goals with proper planning and allocation.
It is advisable for you connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 24, 2026
Asked by Anonymous - Feb 16, 2026Hindi
Thanks Madam for your response. I have current SIPs in Parag Parikh Flexicap, Canara Robeco Flexicap, Nippon Multicap, Kotak Midcap, Axis Small Cap and DSP Multi Asset Fund. Hope these funds are good enough to continue the SIP and put additional amount thru' STP. I plan to continue with these funds for the next 10 years. Please advise. Thanks again for your valuable feedback !
Ans: Hi,
The funds that you mentioned are overlapping in nature.
Continue with - Parag Flexicap, Nippon Multicap, Kotak Midcap, Axis Small Cap, DSP Multi Asset Fund.
Stop your SIP in Canara Flexicap and shift it to Axis Bluechip fund.
This is good for 10 years. Also try to increase your yearly SIP by minimum 10%.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
The funds that you mentioned are overlapping in nature.
Continue with - Parag Flexicap, Nippon Multicap, Kotak Midcap, Axis Small Cap, DSP Multi Asset Fund.
Stop your SIP in Canara Flexicap and shift it to Axis Bluechip fund.
This is good for 10 years. Also try to increase your yearly SIP by minimum 10%.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 23, 2026
I have two SIP. One is Nippon Large Cap Fund Direct Growth with Rs. 2500.00 monthly (1 year old) and Rs.1000.00 monthly (8 months old) at Motilal Oswal Mid Cap Fund Direct Growth.
Please suggest, should I continue with both SIPs given the current market situation or switch to another plan of the same companies. I am looking forward for a long term goal.
Ans: Hi Kamal,
You can continue with current SIPs. Avoid looking for short term volatility as this is how markets work. If possible, start with another SIP of 1500 in Kotak multicap fund.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You can continue with current SIPs. Avoid looking for short term volatility as this is how markets work. If possible, start with another SIP of 1500 in Kotak multicap fund.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Feb 23, 2026
Asked by Anonymous - Jan 11, 2026Hindi
Hi,
I am co-operate employee earn 80 k monthly with 9274₹ monthly pf contribution. I have some investment as mentioned below
All in lumpsum
Quant small cap fund 45k
Mirae asset elss 62k
Quant large & mid 1.01 L
Icici prudential infrastructure 1L
Motilal oswal mid 70K
Aditya Birla PSU equity 70k
SBI contra 71k
Lic jeevan umang(945) 20 years premium 20306₹ premium four times in year
Hdfc sanchay plus premium 100297₹ yearly maturity 2035
Tata aia sampoorna raksha pro term plan 50 L 12 year premium 56k
Niva bupa family health plan 3 member (me 34 wife 32 son 8 months)
Share market equity investment 11L
3.5 lakh plot investment in village
Let me know I am in good direction or need some restructuring
Living in Pune yet not purchased flat
Ans: Hi,
As per your age and monthly income, you have invested quite a good amount till now. Let me guide you one-by-one:
- your emergency fund is missing. Have atleast 6 months worth expenses in FD or liquid funds for uncertain situations
- health insurance is good. Make sure cover is minimum 15 lakhs for a family of 3.
- take a term plan as you are the sole earning member. a term cover will protect your family in any uncertainty. Tata term plan of 50 lakhs is good but ideal cover for you is minimum 1 crore. Take one more policy worth 50lakhs.
- you've invested in various mutual funds, but they are quite concentrated and not recommended. Entire mutual fund investment need proper allocation and a plan
- you have LIC policy, HDFC Sanchay - make note that these policies give annual return of 4-5% over all their term and it is not recommended to buy such policies. If possible, surrender these and invest upcoming premiums and surrender amount in equity funds. And refrain from buying any such policy in the future.
- 11 lakhs invested in stocks, only recommended if you have good knowledge and have time to track, otherwise not recommended.
- plot in village - good, hold.
So overall, lic and hdfc policy needs to be surrendered.
And existing mutual funds need reallocation and proper strategical plan. Connect with a professional to start the same and avoid falling for random online tips.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
As per your age and monthly income, you have invested quite a good amount till now. Let me guide you one-by-one:
- your emergency fund is missing. Have atleast 6 months worth expenses in FD or liquid funds for uncertain situations
- health insurance is good. Make sure cover is minimum 15 lakhs for a family of 3.
- take a term plan as you are the sole earning member. a term cover will protect your family in any uncertainty. Tata term plan of 50 lakhs is good but ideal cover for you is minimum 1 crore. Take one more policy worth 50lakhs.
- you've invested in various mutual funds, but they are quite concentrated and not recommended. Entire mutual fund investment need proper allocation and a plan
- you have LIC policy, HDFC Sanchay - make note that these policies give annual return of 4-5% over all their term and it is not recommended to buy such policies. If possible, surrender these and invest upcoming premiums and surrender amount in equity funds. And refrain from buying any such policy in the future.
- 11 lakhs invested in stocks, only recommended if you have good knowledge and have time to track, otherwise not recommended.
- plot in village - good, hold.
So overall, lic and hdfc policy needs to be surrendered.
And existing mutual funds need reallocation and proper strategical plan. Connect with a professional to start the same and avoid falling for random online tips.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
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