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Reetika Sharma
Financial Planner, MF and Insurance Expert
485 Answers | 31 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 Jan 12, 2026
Asked by Anonymous - Jan 09, 2026Hindi
Hi Sir- I am 40 years old married I have two kids 10 yrs and 7 yrs. My monthly salary is 1,60,000/-
I have 45 lacs home loan EMI of Rs.71,000/- for next 7 years(closing December 2032). I will get rents around 30,000/-, I have taken term insurance for 2 CR.
I have not taken outside health insurance, Only company health insurance is there. I need to pay school fees around 2 lakhs for both the kids per annum.
My current PF balance is 10 Lakhs, Still no car purchased. I have invested in house plot(land) now its current market value is around 50 lakhs. Monthly expense is around 25 K,no rent,I need to take care of my parents.
I have taken 4 lic policies(me,wife & kids),paying around 1 lakh,each policy 5 lakh maturity benefit.I have not planned my carrier financial requirements for next 20 years requirement,like PPF,MF,Sukanya samriddhi yojana, for my daughter, corpus amount.Now I am thinking of my kids education,health,marriage.Since I am working private sector not sure when what will happen.Atleast now I need to plan it correctly.Can you please share the best plan what can I do.
Ans: Hi,
You have done good so far, but the overall financials and investments are quite disorganized. Let us have a detailed look:
- You should have a dedicated emergency fund in FD; atleast 3 to 6 months of expenses
- Term cover taken seems good but also need a personal health insurance of minimum 10 lakhs to cover your family. It will come handy when you change job and at present your premium will be less as compared to if you purchase one in future.
- You have a flat with EMI 71k for next 7 years i.e. 44% of your income goes into this. This is a very bad purchase. One should not have any EMI exceeding 30% of salary. Either reduce your emi somehow or consider selling this as rent of 30k per month only gives you 1-2% rental yiled annually. Investing in other instruments guarantees a minimum 12% annual return.
- Land worth 50 lakhs - good but this is not liquid. Can hold it though for long term.
- 4 LIC policies - not at all required. LIC policies gives an annual return of 4-5% and are highly commissioned products which is not recommended to anyone. A simple FD would have been better than this. If you can, consider stopping these policies at a certain loss and redirect these investments to equity mutual funds for long term.
As you mentioned, you haven't planned for anything, you need some aggressive and well planned investments for
- kids education
- parents health
- your retirement
- kids marriage
- and any other major money goal you might have
71k from your current EMI and another 29k from your salary - total 1 lakhs should be invested per month into equity and hybrid mutual funds as per goals. 1 lakh for next 20 years (assuming 14% cagr and 10% step up) will give you 22 crores after 20 years.
And any further increase in investments will increase the corpus amount.
Hence, you need to work with a dedicated professional to start your investments in alignment with your current situation.
You should 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 done good so far, but the overall financials and investments are quite disorganized. Let us have a detailed look:
- You should have a dedicated emergency fund in FD; atleast 3 to 6 months of expenses
- Term cover taken seems good but also need a personal health insurance of minimum 10 lakhs to cover your family. It will come handy when you change job and at present your premium will be less as compared to if you purchase one in future.
- You have a flat with EMI 71k for next 7 years i.e. 44% of your income goes into this. This is a very bad purchase. One should not have any EMI exceeding 30% of salary. Either reduce your emi somehow or consider selling this as rent of 30k per month only gives you 1-2% rental yiled annually. Investing in other instruments guarantees a minimum 12% annual return.
- Land worth 50 lakhs - good but this is not liquid. Can hold it though for long term.
- 4 LIC policies - not at all required. LIC policies gives an annual return of 4-5% and are highly commissioned products which is not recommended to anyone. A simple FD would have been better than this. If you can, consider stopping these policies at a certain loss and redirect these investments to equity mutual funds for long term.
As you mentioned, you haven't planned for anything, you need some aggressive and well planned investments for
- kids education
- parents health
- your retirement
- kids marriage
- and any other major money goal you might have
71k from your current EMI and another 29k from your salary - total 1 lakhs should be invested per month into equity and hybrid mutual funds as per goals. 1 lakh for next 20 years (assuming 14% cagr and 10% step up) will give you 22 crores after 20 years.
And any further increase in investments will increase the corpus amount.
Hence, you need to work with a dedicated professional to start your investments in alignment with your current situation.
You should 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 Jan 07, 2026
Dear Sir, I have shares purchsed when company was unlisted. The company was listed about a year after 31 Jan 2018 on stock exchange after IPO. For capital gain purpose, thus there is no no value available on grandfather date ( Jan 31, 2018). Should I take IPO value for alculation of capital gain? Kindly revert. Thanks
Ans: Hi Kashinath,
As the shares were unlisted on 31st Jan, 2018, you have to calculate cost of acquisition considering the following formula:
Cost of acquisition = Actual purchase price * (CII of FY 2017-2018) / CII of your purchase year)
The outcome will be deducted from current value to get the actual gain you have.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
As the shares were unlisted on 31st Jan, 2018, you have to calculate cost of acquisition considering the following formula:
Cost of acquisition = Actual purchase price * (CII of FY 2017-2018) / CII of your purchase year)
The outcome will be deducted from current value to get the actual gain you have.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Jan 07, 2026
I’m an NRI (USA) currently contributing to NPS for retirement (long-term). Separately, I want to build a near-term income stream over the next ~2 years while keeping taxes efficient. I’m open to mutual funds and other suitable instruments to NRIs. My risk tolerance is moderate and can invest upto 1.5 1lac per month.
Ans: Hi Ram,
As you are NRI and looking for an income stream in near future, you have limited options.
- go for NRE fixed deposits which has low risk and provides 6-7% return
- or go for debt mutual funds with less risk and better returns than FD
For long term, continue investing in NPS.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
As you are NRI and looking for an income stream in near future, you have limited options.
- go for NRE fixed deposits which has low risk and provides 6-7% return
- or go for debt mutual funds with less risk and better returns than FD
For long term, continue investing in NPS.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Jan 07, 2026
Asked by Anonymous - Dec 10, 2025Hindi
LIC
LIC’s New Jeevan Labh Plan (936):
Start: 25.02.2021
Premium End: 25.01.2037 (16 Years)
Maturity: 25.02.2046 (25 Years)
Monthly Premium: 4983+GST (GST paid upto August 2025)
Sum Assured: 1300000
Premium pid till 25.01.2026 (total 60 month)
What if I discontinue further premium and convert it into paid up policy
What will be maturity amount?
Also what will be surrender value as of now?
Also what will be maturity amour if I continue to pay premium till 16 years?
Ans: Hi,
I am sorry but plans like this doesn't give much benefit and one should never opt for such plans.
It is better for you to surrender this policy now rather than dragging this loss for another 20 years.
You can easily get more returns in simple FD and more than double if you choose mutual funds investment.
Your exact maturity value will be told by LIC office but you will definitely lose more than 15% on what you have paid.
But on a brighter side, surrendering and reinvesting the same in mutual funds with minimum 12% return will vanish your losses in just 2-3 years.
Hence, practical approach is to close this policy.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
I am sorry but plans like this doesn't give much benefit and one should never opt for such plans.
It is better for you to surrender this policy now rather than dragging this loss for another 20 years.
You can easily get more returns in simple FD and more than double if you choose mutual funds investment.
Your exact maturity value will be told by LIC office but you will definitely lose more than 15% on what you have paid.
But on a brighter side, surrendering and reinvesting the same in mutual funds with minimum 12% return will vanish your losses in just 2-3 years.
Hence, practical approach is to close this policy.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Jan 07, 2026
Asked by Anonymous - Dec 27, 2025Hindi
Hello Sir how much income monthly can be generated from a portfolio of 1 crore of mutual funds...for 40 years so that the portfolio doesnot get affected much & keep growing...
Ans: Hi,
If the portfolio generates 12% annual return, you can withdraw 60,000 per month (inflation adjusted) and it will fund you forever and leave a huge legacy for your family.
However, you can tell me your withdrawal requirements for me to guide you in a better way.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
If the portfolio generates 12% annual return, you can withdraw 60,000 per month (inflation adjusted) and it will fund you forever and leave a huge legacy for your family.
However, you can tell me your withdrawal requirements for me to guide you in a better way.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Jan 07, 2026
Asked by Anonymous - Dec 03, 2025Hindi
I want to invest Rs1.00 cr in mutual fund for SWP Which funds should I select to get Rs.60,000/- every month with annual increase in withdrawal
Ans: Hi,
Investing in mutual funds and doing SWP to fund expenses is a great idea. If done right, 1 crore can fund you forever (inflation adjusted).
However there is no single fund to put your entire money. Take a professional's help to invest into a mix of debt and equity funds to get a minimum return of 12% per annum. This way, you will be able to beat inflation and increase your annual withdrawal.
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)
Investing in mutual funds and doing SWP to fund expenses is a great idea. If done right, 1 crore can fund you forever (inflation adjusted).
However there is no single fund to put your entire money. Take a professional's help to invest into a mix of debt and equity funds to get a minimum return of 12% per annum. This way, you will be able to beat inflation and increase your annual withdrawal.
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 Jan 07, 2026
Asked by Anonymous - Nov 27, 2025Hindi
Is any gold fund is good?please guide me
Ans: Hi,
Investing in gold is a good idea. But investing only in gold is not.
One should not have more than 15% gold in his portfolio.
There are many good funds out there to invest in gold, ICICI Gold Fund of Fund, or HDFC Gold fund. Choose either.
Or if you have a demat, can consider investing in Gold ETFs for long term.
However avoid investing large amount at once in gold. Always consider a professional advisor before making such investment.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Investing in gold is a good idea. But investing only in gold is not.
One should not have more than 15% gold in his portfolio.
There are many good funds out there to invest in gold, ICICI Gold Fund of Fund, or HDFC Gold fund. Choose either.
Or if you have a demat, can consider investing in Gold ETFs for long term.
However avoid investing large amount at once in gold. Always consider a professional advisor before making such investment.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Jan 05, 2026
Asked by Anonymous - Dec 15, 2025Hindi
My Brother in law is retired and he is a senior citizen.My sister is housewife.They are having 35 lakhs of rupees in fixed deposits in banks.the rate of interst for some deposits is,7.7%,8.2% and 8.3%.My Brother in law gets pension and rental income from one house.They can manage their monthly expenditure with this income.But they are getting less reutrns on their money from FD and paying tax on interest.They have know children.Is there any better planning for their fixed deposits.My sister is 67 years and My brother in law is 70 years old.Can you suggest any better financial planning for their 35 lakhs FD amount?
Ans: Hi,
Your concern regarding FDs is right. The interest is taxable and choosing FD is not the most practical approach to park savings.
In your sister's case, a bucket of mutual funds can be made where 7 lakhs will be parked in debt funds out of which SWP i.e. monthly withdrawal will be done; and remaining 28 lakhs in a mix of equity and hybrid funds for that amount to grow the capital.
Usually this approach is handled by professionals. So you can connect with a CFP to help you in this regard.
Hence connect 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)
Your concern regarding FDs is right. The interest is taxable and choosing FD is not the most practical approach to park savings.
In your sister's case, a bucket of mutual funds can be made where 7 lakhs will be parked in debt funds out of which SWP i.e. monthly withdrawal will be done; and remaining 28 lakhs in a mix of equity and hybrid funds for that amount to grow the capital.
Usually this approach is handled by professionals. So you can connect with a CFP to help you in this regard.
Hence connect 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 Jan 05, 2026
Asked by Anonymous - Dec 16, 2025Hindi
Hello Nitin sir,
I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice...
1. Nippon India small cap -Growth Rs 5,000
2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000
3. ICICI Prudential Small Cap- Growth Rs 10,000
4. ICICI Prudential Large Cap fund-Growth Rs 5,000
5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000
6. DSP Small Cap fund Regular Growth Rs 5,000
7. Nippn India Pharma Fund- Growth Rs 5,000
8. SBI focused Fund Regular plan- Growth Rs 5,000
9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,
It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.
The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.
A random portfolio like yours can create an opposite impact and generate negative to zero returns.
And try to increase the monthly SIP by 10% each year. This will take care of inflation power.
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 is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.
The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.
A random portfolio like yours can create an opposite impact and generate negative to zero returns.
And try to increase the monthly SIP by 10% each year. This will take care of inflation power.
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 Jan 05, 2026
Asked by Anonymous - Dec 20, 2025Hindi
Hello Reetika
I have been investing in the following funds.
Parag parik flexi cap 15K
Mirae asset large and mid cap 4K
Bandhan Large and mid cap 5K
HDFC focused fund 5K
Bandhan small cap 4K
Motilal Oswal midcap 4K
My goals are children's marriage, education and a supplementary corpus for retirement.
I need this corpus after 12 years.
My age is 39.
Total SIP is 44500.
Is it advisable to add another flexi cap fund? I am an NRI. So can't have a PF account. what changes can I make to my existing investments? Is it ok to have like
Goal1 -> Portfolio -> 2 funds
Goal2 -> Portfolio -> 2 funds
Goal3 -> Portfolio -> 2 funds
Please advise.
Thanks
Ans: Hi,
As a 39 year old, you have sufficient time of 12 years to invest for your goals and let compounding do its work. Let us have a detailed analysis:
- your current monthly sip of 44.5k is not well distributed. overall portfolio is cluttered and overlapping of funds is there. Entire portfolio and money needs reallocation to work in alignment with your goals.
- also goals with soecific portfolio is good but quite cumbersome to maintain, hence not recommended for you.
- you should work with a professional who will work for an investment strategy keeping in mind your NRI status and reducing tax implications in future.
- it is also important for you to maintain a stable investment like PF account (but you can't because of NRI status). alternatively, go for balanced advantage fund of 10% of investment value to go for stability factor.
- choose aggressive equity funds like multi asset funds and small caps for kids marriage and retirement; and choose flexi cap and nifty index funds for education goal.
- stop current SIPs and reallocate them to the new chosen funds.
- but it would be better for you to consider taking a professional's help.
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 a 39 year old, you have sufficient time of 12 years to invest for your goals and let compounding do its work. Let us have a detailed analysis:
- your current monthly sip of 44.5k is not well distributed. overall portfolio is cluttered and overlapping of funds is there. Entire portfolio and money needs reallocation to work in alignment with your goals.
- also goals with soecific portfolio is good but quite cumbersome to maintain, hence not recommended for you.
- you should work with a professional who will work for an investment strategy keeping in mind your NRI status and reducing tax implications in future.
- it is also important for you to maintain a stable investment like PF account (but you can't because of NRI status). alternatively, go for balanced advantage fund of 10% of investment value to go for stability factor.
- choose aggressive equity funds like multi asset funds and small caps for kids marriage and retirement; and choose flexi cap and nifty index funds for education goal.
- stop current SIPs and reallocate them to the new chosen funds.
- but it would be better for you to consider taking a professional's help.
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 Jan 05, 2026
Here is the final revised CFP query, explicitly requesting a retirement plan within the next 6 months, while keeping everything concise and professional.
Email
Subject
Comprehensive Financial Review & 6-Month Retirement Plan Request
Hello,
I am seeking a comprehensive financial review and a clear retirement roadmap to be finalised within the next 6 months.
Loans/EMIs: Total home loans ₹2.29 crore comprising: EMI-1 ₹94,000 pm (16 yrs @ 8.0%), EMI-2 ₹71,000 pm (15 yrs @ 8.25%), EMI-3 ₹61,000 pm (13 yrs @ 7.75%).
Income: Rental income ₹50,000 pm and ₹37,000 pm (5% annual increment), plus other monthly incomes of ₹20,000, ₹14,000, and ₹60,000.
Expenses: Household expenses ₹90,000 pm with 5% annual inflation.
Corpus: ₹1.40 crore available immediately and ₹1.80 crore expected within 6 months.
Goals: Education funding—₹6 lakh p.a. for 4 years from 2031 and ₹8 lakh p.a. for 4 years from 2036; corpus needs of ₹67 lakh in 2042 and ₹1.3 crore in 2046.
I seek advice on loan prepayment vs continuation, tax efficiency, cash-flow optimisation, and investment alternatives (commercial office space, REITs, mutual funds, hybrid strategies) to enable a sustainable retirement plan.
PS i am planning to close 1 loan of 58 lacs & reduce emi or invest in office space with rental of 37k pm (5% pa incremebt )in prime location in metro.
Regards,
Vijay G
Ans: Hi Vijay,
While you have shared a lot about finances, it would be better if you could have mentioned your age as well for me to guide you better. Exact details would have helped me to guide you in a better concise way to plan your finances.
Please share other mandatory details. Also will try to help you without age for now.
- this is a case of 'asset rich & cashflow tight'. Your total income is Rs. 1.81 lakhs and emis of Rs. 2.26 lakhs with expenses of 90k.
- prepay the loan of 58 lakhs; this will improve your cashflow by 71k per month.
- consider closing loan 3 of 61k per month emi.
When you close the 2 loans, your overall cashflow will become positive; total emi will reduce drastically by 1.32 lakhs.
- Do not close loan 1. Kepp it active and keep paying EMIs on time.
When Rs. 1.8 crores arrive, I suggest the following wrt goals you mentioned:
> Keep some amount as your emergency fund in liquid funds. keep a minimum of 10 lakhs for this purpose.
> Education Goal - requirement in 2031 and 2036 - invest 60 lakhs for this goal in hybrid funds.
> corpus requirement in 2042 and 2046 - invest 1 crore for this goal in multicap funds and other aggressive hybrid funds.
- use the rent of 37k to invest in REITs instead of buying a commercial space as property is not liquid where as REITs are. And buyin a property would mean going for 1 more EMI. Avoid the new emi.
Also, would suggest you to go for a professional advice to start your investments in a holistic way to fulfil your financial requirements within the specified timelines.
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)
While you have shared a lot about finances, it would be better if you could have mentioned your age as well for me to guide you better. Exact details would have helped me to guide you in a better concise way to plan your finances.
Please share other mandatory details. Also will try to help you without age for now.
- this is a case of 'asset rich & cashflow tight'. Your total income is Rs. 1.81 lakhs and emis of Rs. 2.26 lakhs with expenses of 90k.
- prepay the loan of 58 lakhs; this will improve your cashflow by 71k per month.
- consider closing loan 3 of 61k per month emi.
When you close the 2 loans, your overall cashflow will become positive; total emi will reduce drastically by 1.32 lakhs.
- Do not close loan 1. Kepp it active and keep paying EMIs on time.
When Rs. 1.8 crores arrive, I suggest the following wrt goals you mentioned:
> Keep some amount as your emergency fund in liquid funds. keep a minimum of 10 lakhs for this purpose.
> Education Goal - requirement in 2031 and 2036 - invest 60 lakhs for this goal in hybrid funds.
> corpus requirement in 2042 and 2046 - invest 1 crore for this goal in multicap funds and other aggressive hybrid funds.
- use the rent of 37k to invest in REITs instead of buying a commercial space as property is not liquid where as REITs are. And buyin a property would mean going for 1 more EMI. Avoid the new emi.
Also, would suggest you to go for a professional advice to start your investments in a holistic way to fulfil your financial requirements within the specified timelines.
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 Jan 05, 2026
I am building a portfolio with a 7-10 year timeline. The objective is to achieve financial independence. I am planning to invest Rs. 1.25 lakh/month in MFs. I do have sufficient term and health insurance.
Below is how I am thinking of dividing my portfolio:
1 NIFTY50 - Rs. 35000 (thinking of UTI Nifty 50 Index fund)
2 NIFTY Next50 - Rs. 20000 (thinking of Axis NiFTY Next 50 Index Fund)
3 Midcap 150 - Rs. 15000 ( Motilal Oswal Nifty Midcap 150 Index Fund Direct Growth)
4 SmallCap 250 - Rs. 5000 (Motilal Oswal Nifty Smallcap 250 Index Fund Direct - Growth)
5 NIFTY Alpha Low Volatility 30 - Rs. 15000 ("ICICI Prudential Nifty Alpha Low Volatility 30 ETF)
6 Reit - Rs. 15000 (not sure)
7 International Index - Rs. 15000 (not sure)
8 Gold ETF - Rs. 5000 (not sure)
I need your input on the following:
A) How do you rate my portfolio structure?
B) Can you suggest 1 or 2 MFs under each category? I want to keep the operating expenses low i.e. want to purchase and retain max units while keeping the exit load minimum.
Ans: Hi Nitin,
Building a portfolio for financial independence with Rs. 1.25 Lakh per month is a significant commitment. Since your timeline is 7–10 years, let us have a closer detailed look.
- you have mentioned 8 funds and chosen segments are very over-diversified. Example - only 5k in small cap i.e. 4% of total value. It doesn't really work. Proper strategy should be applied while choosing funds.
- direct RIET investment is just a FOMO created via influencers. you really do not need one.
- several funds/ categories have huge overlapping of stocks and it will not perform well.
I understand your need of keeping your operating expenses at minimum, but a DIY portfolio like this often generates negative return. While direct funds are quite popular because of their low expense ratio, but a regular fund portfolio performs much better due to the involvement of a professional.
Your total monthly investment of 1.25 lakhs is not a small amount. you need serious guidance here as even a slight mistake can double your timeline or vanish your returns.
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)
Building a portfolio for financial independence with Rs. 1.25 Lakh per month is a significant commitment. Since your timeline is 7–10 years, let us have a closer detailed look.
- you have mentioned 8 funds and chosen segments are very over-diversified. Example - only 5k in small cap i.e. 4% of total value. It doesn't really work. Proper strategy should be applied while choosing funds.
- direct RIET investment is just a FOMO created via influencers. you really do not need one.
- several funds/ categories have huge overlapping of stocks and it will not perform well.
I understand your need of keeping your operating expenses at minimum, but a DIY portfolio like this often generates negative return. While direct funds are quite popular because of their low expense ratio, but a regular fund portfolio performs much better due to the involvement of a professional.
Your total monthly investment of 1.25 lakhs is not a small amount. you need serious guidance here as even a slight mistake can double your timeline or vanish your returns.
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 Jan 02, 2026
Dear Sir
Can I invest around 5 to 10 Lakhs in SHRI RAM FINANCE LTD in FD for 5 years or more for half yearly or yearly interest to be credited in bank as there interest rates are better than normal bank .It is safe ? Pls advice is there any private group for safe investment in FD
Thanks
Ans: Hi,
Yes it is safe to do FD in Shri Ram Finance Ltd. But make sure to use an authenticate platform for the same.
If you need more help, do let me know.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Yes it is safe to do FD in Shri Ram Finance Ltd. But make sure to use an authenticate platform for the same.
If you need more help, do let me know.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Asked on - Jan 06, 2026 | Answered on Jan 06, 2026
Thanks Madam
for your advise .& will do accordingly as suggested .
Thanks
Ans: You're welcome
Answered on Jan 02, 2026
Hi Sir this is Sudheer i am 43 yrs old working in NBFC. At present i am investing an amount of 25K in 8 different mutual funds. Now I want to increase another 5K so can you pls suggest which one is best in HDFC mutual funds.
My present investing funds details are as below ..
Axis Mid cap fund regular growth - 4000/-
Bandhan small cap fund regular growth -3000/-
Canara Robeco large and mid cap regular growth -3000/-
HDFC defence fund regular growth- 5000/-
Kotak small cap fund growth ( regular plan )-3000/-
Motilal Oswal mid cap fund regular plan growth - 1000/-
Motilal Oswal multi cap fund regular plan growth - 50,000/- ( Lumpsum )
Motilal Oswal small cap fund regular plan growth - 4000/-
Nippon india small cap fund direct growth plan-2000/-
Pls suggest best fund from HDFC or any other to get high returns. I am planning to invest minimum 4 to 5 yrs from now. And my present investments are for the past 5 yrs.
Regards
Sudheer
Ans: Hi Sudheer,
At your age, overall investments done by you is commendable. But you need to work on the approach.
Your current funds and SIPs are very much concentrated and overlapped. Funds selected by you (or the advisor of yours) are not at all recommended for anyone to continue.
A proper approach is required here to reallocate the 25000 along with 5000 per month. Also amount accumulated should be reinvested in proper funds to make sure your goals are fulfilled.
Hence please stop your current SIPs.
Share more details such as your age, goals, risk profile for me to guide you better.
Or you can choose 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)
At your age, overall investments done by you is commendable. But you need to work on the approach.
Your current funds and SIPs are very much concentrated and overlapped. Funds selected by you (or the advisor of yours) are not at all recommended for anyone to continue.
A proper approach is required here to reallocate the 25000 along with 5000 per month. Also amount accumulated should be reinvested in proper funds to make sure your goals are fulfilled.
Hence please stop your current SIPs.
Share more details such as your age, goals, risk profile for me to guide you better.
Or you can choose 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 Jan 02, 2026
Hi, I am about to turn 51, working in a MNC with appropriate life cover (coverage slightly in excess of 1-Cr in the event of death). Additionally, I have taken a HDFC Life Guaranteed Income Insurance plan with a life coverage of up to 1.5cr in the event of death. My liabilities (Homeloan etc) amount to approx 1.5 cr. The loans aren’t covered with insurance.
In this situation, do I still need any Term Insurance - currently, I haven’t got any.
My retirement age is 60.
Ans: Hi Raghavendra,
Yes, you need to buy a term insurance and make sure to choose MWP Act (Married Women Protection Act) - choosing this will make sure that the claim amount goes to the family and not any loans or anyone else.
Cover amount depends on the financial goals left and any other investments that you have.
Share a small brief for me to tell you the exact cover amount for you to take.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Yes, you need to buy a term insurance and make sure to choose MWP Act (Married Women Protection Act) - choosing this will make sure that the claim amount goes to the family and not any loans or anyone else.
Cover amount depends on the financial goals left and any other investments that you have.
Share a small brief for me to tell you the exact cover amount for you to take.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Jan 02, 2026
Hi
I am investing in kotak small cap fund with monthly sip of Rs 2k from last 3 yrs and in Franklin India small cap fund of Rs 5k from last 1.5 yrs. But I am getting very low return in kotak small cap fund of less than 10 % and negative return in Franklin India small cap.
So should I keep investing in these fund considering the current downfall and hoping for good returns in future or stop investing in these fund.
My investment horizon is more than 7-10 yrs
Ans: Hi Vikas,
Investments in small caps is a very high risk investment and the funds have generated negative returns in recent past.
Funds selected by you are wrong based on your expectations. These are some random selections done by you which will further give negative returns only.
Proper investment and fund selection should be done only with the guidance of a professional. And it is based on several factors such as age, financial goals, investment horizon, risk appetite and much more.
As of now, stop further investment in these funds. Connect with a professional to showcase the detailed summary to analyse your next step based on your profile. Or share for me to guide if you should redeem and shift or remain invested.
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)
Investments in small caps is a very high risk investment and the funds have generated negative returns in recent past.
Funds selected by you are wrong based on your expectations. These are some random selections done by you which will further give negative returns only.
Proper investment and fund selection should be done only with the guidance of a professional. And it is based on several factors such as age, financial goals, investment horizon, risk appetite and much more.
As of now, stop further investment in these funds. Connect with a professional to showcase the detailed summary to analyse your next step based on your profile. Or share for me to guide if you should redeem and shift or remain invested.
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 Dec 31, 2025
Asked by Anonymous - Dec 28, 2025Hindi
Sir, pl guide about tata capital index fund, motilal mid and small capital index, motilal mid and small it and telecommunications index fund
Ans: Hi,
The funds you mentioned are either index funds or sectoral funds - none recommended if you are just starting your mutual fund journey. Please share more details wrt investments, your personal details, financial goals, risk appetite and investment horizon for me to guide you in a better way.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
The funds you mentioned are either index funds or sectoral funds - none recommended if you are just starting your mutual fund journey. Please share more details wrt investments, your personal details, financial goals, risk appetite and investment horizon for me to guide you in a better way.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 26, 2025
Asked by Anonymous - Dec 24, 2025Hindi
Hello gurus, hope you are doing well.
I wish to create the following mutual fund portfolio for investment for my spouse. Kindly review whether it's a well diversified one to tap future growth:
1 Nippon india multi cap fund 4k
2 Hdfc midcap 1.5k
3 Bandhan small cap 1.5k
4 Hdfc flexi cap 3k
Your valuable suggestions are welcome.
Thanks in advance!
Ans: Hi,
It is great that you are thinking to start investing for your spouse. The funds chosen are good for long term. And if your time horizon for investment is more than 10 years, you can consider the mentioned categories.
However, mutual fund selection also depends on other factors such as goal, risk appetite and many more. So share these details for me to guide you in a better way.
And since you are starting now, avoid following random online tips and take a professional suggestion in this regard.
Or 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)
It is great that you are thinking to start investing for your spouse. The funds chosen are good for long term. And if your time horizon for investment is more than 10 years, you can consider the mentioned categories.
However, mutual fund selection also depends on other factors such as goal, risk appetite and many more. So share these details for me to guide you in a better way.
And since you are starting now, avoid following random online tips and take a professional suggestion in this regard.
Or 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 Dec 24, 2025
Asked by Anonymous - Dec 22, 2025Hindi
I am 34 years old, married, with no children yet, but we plan to start a family by the end of 2026. Our monthly household take-home income is 4.4 lakh. We have cumulative EMIs of 1.50 lakhs per month: (1) Home Loan (1 Cr Outstanding, 9 years left): 1.1 lacs per month, (2) Car Loan (8 lacs outstanding 4 years left): 25k per month (3) Personal Loan (4 years left) - 15k per month. Our investments include 50 lakh in stocks and mutual funds, and 30 lakh in PF. I have a term plan with cover till age 85, costing additional 1.3 lakh per year in premium for next 7 years. Me and my wife are covered by our employer for medical insurance, and our parents will also have PSU pension and medical cover after retirement. We spend around 1.2 lakh per month on household expenses in Gurgaon. We invest 1 lakh monthly having 20-90 split in stocks and MFs and keep 2 lakh in an emergency savings account. My long-term goal is to pay off all loans, build a financial buffer to move back to my hometown a tier 2 city and do remote work from there - this might reduce our househol income by 30-40%. Given these details, how should I plan our investments to achieve the goals and how many years are we looking to achieve this?
Ans: Hi,
You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.
You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.
Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.
Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.
Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.
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)
You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.
You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.
Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.
Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.
Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.
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 Dec 24, 2025
Asked by Anonymous - Dec 16, 2025Hindi
Hello Advait sir,
I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice...
1. Nippon India small cap -Growth Rs 5,000
2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000
3. ICICI Prudential Small Cap- Growth Rs 10,000
4. ICICI Prudential Large Cap fund-Growth Rs 5,000
5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000
6. DSP Small Cap fund Regular Growth Rs 5,000
7. Nippn India Pharma Fund- Growth Rs 5,000
8. SBI focused Fund Regular plan- Growth Rs 5,000
9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,
It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.
The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.
A random portfolio like yours can create an opposite impact and generate negative to zero returns.
And try to increase the monthly SIP by 10% each year. This will take care of inflation power.
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 is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.
The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.
A random portfolio like yours can create an opposite impact and generate negative to zero returns.
And try to increase the monthly SIP by 10% each year. This will take care of inflation power.
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 Dec 24, 2025
Hello and namaskar..
I am 36 years old. Need your guidance in the following funds-
(a) parag parekh flexi cap - 7500/- per month
(B) GROWW nifty midcap 150 index fund -2500/- per month
(C) mirae asset ELLS tax saver -5000/-
(D) pGIM india mid cap opp. Fund -5000/-
(E) quant small cap fund-4000/-
(F) ICICI prudential equity and debt fund - 3000
(G) HDFC FLEXI CAP FUND - 4000
(H) Uti nifty 50 index fund - 5000
Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount.
These funds are ok or I should exit from any fund and invest in any other fund.
I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,
Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.
You should consider exiting funds like quant and shift to more stable ones.
Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.
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)
Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.
You should consider exiting funds like quant and shift to more stable ones.
Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.
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 Dec 24, 2025
canara roboc largecap found past 3 years how much return expected
Ans: Hi Kiran,
Avoid investing in these funds for a short term like 3 years. Although this is a good fund and gives an average of 14% XIRR, but investments should be done thoughtfully.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Avoid investing in these funds for a short term like 3 years. Although this is a good fund and gives an average of 14% XIRR, but investments should be done thoughtfully.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
what is prospects of investments in SILVER?
Ans: Hi Ebenser,
Silver is a good investment for now and long term. Avoid any big lumpsum buys and go for small buys each month.
Also it is not a good idea to put all your eggs in one basket. Hence avoid investing everything in silver.
Gold and silver shall not exceed 10% of your total networth.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Silver is a good investment for now and long term. Avoid any big lumpsum buys and go for small buys each month.
Also it is not a good idea to put all your eggs in one basket. Hence avoid investing everything in silver.
Gold and silver shall not exceed 10% of your total networth.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Asked by Anonymous - Nov 28, 2025Hindi
i am 49 yrs. currently invested Rs.13000 monthly in mutual fund. I want to invest more Rs.5000 monthly. pls suggest me. also i have Rs.20000 from FD, where to invest the amount pls suggest me.
Ans: Hi,
Investing everything in mutual funds is never a good idea.
- you should have an emergency fund of 3-6 months worth expenses in FD
- a term insurance and a health insurance is mandatory.
Once these conditions are fulfilled, invest additional 5000 in mutual funds. Share the existing funds in which you are doing SIP along with time horizon for me to guide you in a better way.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Investing everything in mutual funds is never a good idea.
- you should have an emergency fund of 3-6 months worth expenses in FD
- a term insurance and a health insurance is mandatory.
Once these conditions are fulfilled, invest additional 5000 in mutual funds. Share the existing funds in which you are doing SIP along with time horizon for me to guide you in a better way.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Hi, I am a retired person, 66 years of age. Our family has a MUTUAL FUND holding of around 65 lakhs invested mostly in equity funds. We all have a health insurance of Rs 3 lakhs each. We live in our own house and need about Rs 25,000/ month for our expenses, which we get every month by way of SWPs. My daughter has finished her studies , but still has not started earning. I can now invest around Rs 5000 per month in SIPs . Kindly advice me as to which fund I could invest in. Other should I invest in Gold ETFs? Do I need a Demat Account to do the later?
Ans: Hi Krishnamurthy,
It is very good that you have managed to do SWPs to cover your monthly expenses. For additional 5000 investment per month, you can split between the 2:
- 2500 in gold etf (you should have a demat for this)
- 2500 monthly SIP in a multi asset allocator fund.
If you do not want to open demat, can invest 2500 in gold mutual funds also.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It is very good that you have managed to do SWPs to cover your monthly expenses. For additional 5000 investment per month, you can split between the 2:
- 2500 in gold etf (you should have a demat for this)
- 2500 monthly SIP in a multi asset allocator fund.
If you do not want to open demat, can invest 2500 in gold mutual funds also.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company.
pls confirm me what is a issue.
Ans: Hi,
The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.
Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:
1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.
For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.
Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:
1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.
For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Dear Sir, Kindly enlighten me as to how long one can park ( years ) MFs in growth investments. Do they need to be renewed periodically? Do they lapse on long period of investments?
Ans: Hi Bhogu,
You can park for indefinite period. There is no renewal necessary and there is no lapse. On death of the holder, your family can claim those investments if they have the details.
But since you are a new investor, avoid investing in random funds and take a professionals help.
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/
You can park for indefinite period. There is no renewal necessary and there is no lapse. On death of the holder, your family can claim those investments if they have the details.
But since you are a new investor, avoid investing in random funds and take a professionals help.
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/
Asked on - Dec 24, 2025 | Answered on Dec 26, 2025
Dear Reetika Ji - Many thanks for your kind clarification. Wish you a very merry Christmas and a great 2026. Warm regards.
Ans: Thank you and same to you.
Answered on Dec 24, 2025
I have invested in Quant Small Cap, Quant Infrastructure and Quant Large and Midcap through SIP route. This is almost 18 months and I have never found these 3 on positive so far. Please suggest if I can stop and switch to some one. I plan these SIPs for a time frame of 3 yrs.
Best
Ans: Hi,
These funds are not recommended. You can redeem these funds and invest in better funds available. And avoid investing in such random funds yourself. Instead take a professional's help.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
These funds are not recommended. You can redeem these funds and invest in better funds available. And avoid investing in such random funds yourself. Instead take a professional's help.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
What is Sovereign Gold Bond. How does it work and how much it is beneficial as compared to FD's for those seeking regular income.
Ans: Hi Siddhartha,
SGB were great Gold Bonds to invest your money in, but these have been discontinued by the government. You cannot invest in any SGB now. But SGB's were not ideal for regular income as they offered only 2.5% annual interest.
FD or SWP from mutual funds is the best way to seel any regular income.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
SGB were great Gold Bonds to invest your money in, but these have been discontinued by the government. You cannot invest in any SGB now. But SGB's were not ideal for regular income as they offered only 2.5% annual interest.
FD or SWP from mutual funds is the best way to seel any regular income.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Asked by Anonymous - Nov 08, 2025Hindi
Hi, I am working in IT with 40k salary and 1 year experience. I saved 2 lakhs in my bank and i am planning to go to masters in sep 2026( Due to on going situation I may or may not go for masters in this situation). So i want to multiple my money by doing something instead of just keeping them in bank. Can someone give me suggestions on this.
Ans: Hi,
As you are still unsure of your masters next year, you may keep this money in debt mutual funds. And shift it to equity if not required for more than 10 years.
You can go for HDFC short term debt fund to park your money till you make a final decision.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
As you are still unsure of your masters next year, you may keep this money in debt mutual funds. And shift it to equity if not required for more than 10 years.
You can go for HDFC short term debt fund to park your money till you make a final decision.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Asked by Anonymous - Dec 10, 2025Hindi
I am 37 years old working professional. I have 50L in EPF, 30L in NPS, 60L in stocks and MF, Gold worth 50L, 30L in FDs and 25L in leave and gratuity and other savings. I own a loan free flat where my parents live. How much do I need to retire early?
Ans: Hi,
At the age of 37, you have build a good corpus for yourself. Your overall amount is properly diversified.
To retire early, you need to make sure of few points:
1. Have adequate emergency fund in liquid form.
2. Have proper term insurance and health insurance for yourself and family.
3. Make sure to account for any major financial goals in future such as your marriage, vacations, kids, their education, parents health etc etc.
4. Consider amounts for all these goals.
5. Need to consider your expenses as well. Without these I cannot give you a number.
Assuming your current expenses at 1 lakh per month, you need to have 3 crores to fund you forever (with inflation adjusted expenses).
Hence help me with more details for me to help you better.
Also, as you MF n stocks is 60 lakhs, you need to consult a professional to work out exact funds to invest into as random fund selection often gives far less returns.
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)
At the age of 37, you have build a good corpus for yourself. Your overall amount is properly diversified.
To retire early, you need to make sure of few points:
1. Have adequate emergency fund in liquid form.
2. Have proper term insurance and health insurance for yourself and family.
3. Make sure to account for any major financial goals in future such as your marriage, vacations, kids, their education, parents health etc etc.
4. Consider amounts for all these goals.
5. Need to consider your expenses as well. Without these I cannot give you a number.
Assuming your current expenses at 1 lakh per month, you need to have 3 crores to fund you forever (with inflation adjusted expenses).
Hence help me with more details for me to help you better.
Also, as you MF n stocks is 60 lakhs, you need to consult a professional to work out exact funds to invest into as random fund selection often gives far less returns.
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 Dec 24, 2025
My salary is 87k per month.i want to buy 65lakh house in Bangalore please guide me.
Ans: Hi Santosh,
You should focus on increasing your income and savings rather than trap yourself into EMI cycle for the rest of your life. Start saving in SIP rather than starting EMI.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You should focus on increasing your income and savings rather than trap yourself into EMI cycle for the rest of your life. Start saving in SIP rather than starting EMI.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Sir, To invest in SWP fund for monthly Rs.25000 withdrawl, What amount to invest in SWP and which fund is best for it?
Ans: Hi Deepak,
You can choose a good debt fund to invest your money for SWP of 25000. Need to tell me for how long you need this withdrawal to give an initial investment number.
- if you need 25k monthly for 10 years, you will need 21.5 lakhs investment giving 8% annual return.
- if you need 25k monthly for 20 years, you will need 31 lakhs investment giving 8% annual return.
- if you need 25k monthly forever, you will need 40 lakhs investment giving 8% annual return.
But this withdrawal is not inflation adjusted. You will need to increase this amount substantially.
You can choose to work with a professional Certified Financial Planner - a CFP who can guide you with exact strategy 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 can choose a good debt fund to invest your money for SWP of 25000. Need to tell me for how long you need this withdrawal to give an initial investment number.
- if you need 25k monthly for 10 years, you will need 21.5 lakhs investment giving 8% annual return.
- if you need 25k monthly for 20 years, you will need 31 lakhs investment giving 8% annual return.
- if you need 25k monthly forever, you will need 40 lakhs investment giving 8% annual return.
But this withdrawal is not inflation adjusted. You will need to increase this amount substantially.
You can choose to work with a professional Certified Financial Planner - a CFP who can guide you with exact strategy 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 Dec 24, 2025
Greetings
My wife working in raiways as station master. She has great confution which pention plan is good,Ups or nps .
Kindly clarify
15 years service still available
Ans: Hi Vinoth,
Both are good and have very less differences. The ideal choice depends on personal financial goals and risk tolerance:
You can choose UPS if: Your wife prioritizes financial security and a predictable, guaranteed monthly income that is also inflation-adjusted, with minimal market risk. The assured 50% pension provides stability, which is often preferred by government employees.
OR
You can choose NPS if: Your wife is comfortable with market risks and aims for potentially higher returns and a larger retirement corpus over the next 15 years. NPS offers more flexibility in managing investments and larger tax-free lump-sum withdrawals.
Given that your wife has 15 years of service remaining, she is in an optimal position to choose the option that aligns with her comfort level. The availability of the new UPS scheme provides an excellent, secure alternative to the market-linked NPS.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Both are good and have very less differences. The ideal choice depends on personal financial goals and risk tolerance:
You can choose UPS if: Your wife prioritizes financial security and a predictable, guaranteed monthly income that is also inflation-adjusted, with minimal market risk. The assured 50% pension provides stability, which is often preferred by government employees.
OR
You can choose NPS if: Your wife is comfortable with market risks and aims for potentially higher returns and a larger retirement corpus over the next 15 years. NPS offers more flexibility in managing investments and larger tax-free lump-sum withdrawals.
Given that your wife has 15 years of service remaining, she is in an optimal position to choose the option that aligns with her comfort level. The availability of the new UPS scheme provides an excellent, secure alternative to the market-linked NPS.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Asked by Anonymous - Dec 11, 2025Hindi
I am 50 years old, ten more years for retirement. How to invest to get 1 crore as retirement benefit
Ans: Hi,
Please share more details such as your income, risk profile, exenses and savings potential for me to help you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Please share more details such as your income, risk profile, exenses and savings potential for me to help you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Asked by Anonymous - Dec 13, 2025Hindi
Hi Reetika, im aged 50 and have retired early. Was an NRI till 2024 and in 2025 returned to India. I was keen on investing in the mutual fund market and thus took the plunge. There were 2 aspects of my investment, a) Capital Appreciation , b) Income Growth towards monthly expenses. I had initially planned my monthly expenses post tax as 3 Lacs but having stayed here for a year Im looking at a figure of 2 lacs pm post tax. The corpus that i had set aside to invest was 7.5 Cr out of which I have done the following investments.
1) Chola Finance Perpetual Bonds 50 lacs . Coupon rate is currently 9.25
2) Sriram FD's 30 lacs @8.30 % for 3 years
3) Parag Parikh Flexi Cap Fund - 42 lacs
4) HDFC Flexi Cap Fund - 43 Lacs
5) ICICI Prudential Opportunities Fund - 17 lakhs
6) Nippon Large Cap Fund - 10 Lakhs
7) HDFC Multi Asset Active FOF - 50 Lakhs
8 ) ICICI Prudential Multi Asset Fund - 1 cr
9) ICICI Prudential Balanced Advantage Fund - 1 cr
10 ) SBI Balanced Advantage Fund - 50 Lakhs
11) SBI Gold Fund 10 Lakhs
In total it comes to 5.02 Cr. Investments started in May 2025, mutual funds under regular growth. I am yet to invest further in equity funds along with multi asset and fof. Whilst im ok in investing further im just not getting the confidence in equity as of now. Maybe as im a new entrant these jitters but somehow i dont want to committ further to equities given the current situation. Please review my portfolio and suggest any changes , also whats a good time to start on SWP from my BAF funds ? The BAF i invested in Sep 2025. Request you to also suggest my further investments ( amount wise ) in the different funds and how do i time them. Many Thanks
Ans: Hi,
Your 2 aspects of investment are completely ok. But the approach is not correct. The funds you have mentioned are overlapped and not recommended. A portfolio like this doesn't generate good returns for capital appreciation.
Are you taking anyone's help to choose these funds? If yes, you need a better professional. If no, work with a CFP to guide you.
Investing in equity markets now is ok. Understand your concern due to recent volatility and market movements but there's a away to invest in equity. you should connect with a Certified Planner to help you with your existing 5 crore investment ( yes it needs reallocation as soon as possible) and to allocate remaining 2 cr as per your profile.
SWP from BAF is not an ideal way of SWP. There is a different strategy altogether for covering your expenses of 2 lakh pm. So please hold on to do SWP for now. Things will become more complicated and your goal of capital appreciation can vanish.
Please 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)
Your 2 aspects of investment are completely ok. But the approach is not correct. The funds you have mentioned are overlapped and not recommended. A portfolio like this doesn't generate good returns for capital appreciation.
Are you taking anyone's help to choose these funds? If yes, you need a better professional. If no, work with a CFP to guide you.
Investing in equity markets now is ok. Understand your concern due to recent volatility and market movements but there's a away to invest in equity. you should connect with a Certified Planner to help you with your existing 5 crore investment ( yes it needs reallocation as soon as possible) and to allocate remaining 2 cr as per your profile.
SWP from BAF is not an ideal way of SWP. There is a different strategy altogether for covering your expenses of 2 lakh pm. So please hold on to do SWP for now. Things will become more complicated and your goal of capital appreciation can vanish.
Please 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 Dec 24, 2025
Asked by Anonymous - Dec 02, 2025Hindi
Hi Ritika,
I am 44-year-old (with old parents aged 73 years and 69 years respectively), with an overall experience of 20 years and currently out of work. I have financial outlay of around 1 lakh INR per month. I have following accrued around 2 CR INR in savings/investments in mine and parents’ name.
Self
1. Cash/Bank Balance: 7,79,345 INR
2. Gold: 16,00,000 INR (at present Value)
3. Private Equity Investment: 3,00,000 INR (Current value not known)
4. EPF: 1,91,694 INR (Pension fund certificate to be issued)
5. PPF: 4,34,647 INR (maturing on March 31, 2027)
6. NPS: 7,17,082 INR (Present value, only money can be withdrawn)
7. Mutual Fund: 39,55,990 INR (present value) (Presently no SIP active)
a. Kotak Midcap Fund Growth - 462074.39 INR
b. Canara Robeco Large and Mid Cap Fund Growth - 232882.56 INR
c. Parag Parikh Flexi Cap Fund Growth - 39890.59 INR
d. UTI Floater Fund Growth - 140843.37 INR
e. ICICI Prudential NASDAQ 100 Index Fund Growth - 4778.28 INR
f. HDFC Hybrid Equity Fund Growth - 208010.52 INR
g. ICICI Prudential Focused Equity Fund Direct Growth - 158680.09 INR
h. Parag Parikh Flexi Cap Fund Growth - 906784.26 INR
i. SBI Gold Fund Growth - 229485.03 INR
j. Tata Large & Mid Cap Fund Growth - 525368.51 INR
k. UTI Mid Cap Fund Direct Growth - 146678.84 INR
l. Kotak Focused Fund Growth 500067.79 INR
m. Mahindra Manulife Large & Mid Cap Fund Growth 199775.29
Parents (Both senior citizens)
1. Cash/Bank Balance: 21,85,343 INR
2. SCSS: 60,00,000 INR (receive quarterly returns 1,22,400 INR)
3. FD: 40,80,650 INR (approx. monthly return 26,500 INR)
4. RD: 2,06,397 INR (one expiring on Dec 04, 2025 and another around June 22, 2026)
5. Mutual Fund: 39,55,990 INR (present value)
Mother
a. HDFC Flexi Cap Direct Plan Growth - 5505.76 INR
b. Nippon India Large Cap Fund Direct Growth - 5361.17 INR
c. HDFC Balanced Advantage Fund Direct Growth - 5303.59 INR
Father
a. HDFC Flexi Cap Fund Growth - 4611.13 INR
b. HDFC Mid Cap Fund Direct Growth - 5414.97 INR
c. Nippon India Growth Mid Cap Fund Direct Growth - 5150.97 INR
d. HDFC Transportation and Logistics Fund Growth - 5024.97 INR
e. HDFC Balanced Advantage Fund Growth - 4364.43 INR
f. HDFC Balanced Advantage Fund Direct Growth - 5297.8 INR
Please let me know how can I rejig these investment/savings, so that I can fetch necessary returns to run my expenses, without depleting my existing corpus.
Ans: Hi,
I am so sorry to hear about your situation. But you have a very good corpus (whole family) at your age. This can easily fund your expenses till you find a job. Let us analyse the aspects in detail:
1. Cash - 7.7 lakhs in your account. This amount can fund you for 7 months. You can easily prepare for your job & give interviews without worrying for money.
2. Gold - Good but keep it without any thought of selling it.
3. Private equity - 3 lakhs. Direct equity investment is not recommended due to high exposure and continuous monitoring. You can shift this entire amount into mutual funds.
4. Mutual Funds - 39.5 lakhs. A very good corpus at your age. But the funds you mentioned are highly scattered and overlapped. This is one example of a portfolio that we will not recommend. This needs a serious rework. Work with a professional to realign all these funds and amounts keeping in mind your profile. Otherwise it will not give good returns.
And avoid doing the same by yourself as you need to focus on getting a job instead of trying to correct your portfolio. A professional's job is to do it for you.
Your parents assets:
1. Cash - 21 lakhs - quite big amount to keep as cash. Keep minimum of 5 lakhs as cash and do FD of remaining funds.
2. SCSS - 60 lakhs - good, continue.
3. FD - 40.8 lakhs - good but the interest is quite low and taxable. Instead consider putting this money in debt mutual funds.
4. Mutual Funds - both parents have very small amounts in a lot of funds. It is of no use. You can redeem all these funds and choose only 1 fund - HDFC Balanced Advantage Fund for your parents money.
Hopefully you will get a job in 7 months without worrying the need to cover your monthly expenses, and will take a professional's help to work on your portfolio to align it and generate the better returns.
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)
I am so sorry to hear about your situation. But you have a very good corpus (whole family) at your age. This can easily fund your expenses till you find a job. Let us analyse the aspects in detail:
1. Cash - 7.7 lakhs in your account. This amount can fund you for 7 months. You can easily prepare for your job & give interviews without worrying for money.
2. Gold - Good but keep it without any thought of selling it.
3. Private equity - 3 lakhs. Direct equity investment is not recommended due to high exposure and continuous monitoring. You can shift this entire amount into mutual funds.
4. Mutual Funds - 39.5 lakhs. A very good corpus at your age. But the funds you mentioned are highly scattered and overlapped. This is one example of a portfolio that we will not recommend. This needs a serious rework. Work with a professional to realign all these funds and amounts keeping in mind your profile. Otherwise it will not give good returns.
And avoid doing the same by yourself as you need to focus on getting a job instead of trying to correct your portfolio. A professional's job is to do it for you.
Your parents assets:
1. Cash - 21 lakhs - quite big amount to keep as cash. Keep minimum of 5 lakhs as cash and do FD of remaining funds.
2. SCSS - 60 lakhs - good, continue.
3. FD - 40.8 lakhs - good but the interest is quite low and taxable. Instead consider putting this money in debt mutual funds.
4. Mutual Funds - both parents have very small amounts in a lot of funds. It is of no use. You can redeem all these funds and choose only 1 fund - HDFC Balanced Advantage Fund for your parents money.
Hopefully you will get a job in 7 months without worrying the need to cover your monthly expenses, and will take a professional's help to work on your portfolio to align it and generate the better returns.
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 Dec 24, 2025
.jpg "investments-o (2).jpg")
I am 59 years old andneed help.My husband has remarried without divorcing me.As he was managing my salary he diverted funds to some other account not known to me.I am now managing my accounts.The net worth of my investment is 1.5 cr. with various portfolios.Can you please suggest how to go about or how much should I have in order to lead a coordinated life.
Ans: Hi Parbati,
I'm so sorry to hear about your situation but marrying someone without divorce is illegal in India. You can take a legal action against him.
With respect to your investments, 1.5 crore is a really good number for you to retire and total requirement depends on your monthly expenses and other needs. Share a brief with me for me to help you further in this regard.
And to find the details, you can install MF Central App on your phone and login via your PAN/Adhaar details to fetch the exact portfolio details. You can connect with a professional who will help you in this regard in detail and manage your portfolio to fund your requirement.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
I'm so sorry to hear about your situation but marrying someone without divorce is illegal in India. You can take a legal action against him.
With respect to your investments, 1.5 crore is a really good number for you to retire and total requirement depends on your monthly expenses and other needs. Share a brief with me for me to help you further in this regard.
And to find the details, you can install MF Central App on your phone and login via your PAN/Adhaar details to fetch the exact portfolio details. You can connect with a professional who will help you in this regard in detail and manage your portfolio to fund your requirement.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Asked by Anonymous - Dec 15, 2025Hindi
A pvt school teacher working as a prt with basic pay of 60 k retires at the age of 53 after completing 27 years of service
How much min pension
will the person get and gratuity
Ans: Hi,
Private employees do not get pension benefit. You will only get PF that has been accumulated ove the years. You will find details in salary slip.
Gratuity in this will be 9.3 lakhs.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Private employees do not get pension benefit. You will only get PF that has been accumulated ove the years. You will find details in salary slip.
Gratuity in this will be 9.3 lakhs.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Dear Ms Sharma,
I wish to understand if what % SWP withdrawal limit say 4% or 9% or else on Portfolio value at the time of retirement.
Ans: Hi Deepa,
% SWP really depends on the size of your portfolio and your monthly/ annual requirement. Share these details for me to help you better.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
% SWP really depends on the size of your portfolio and your monthly/ annual requirement. Share these details for me to help you better.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 24, 2025
Hello Vivek Sir,
I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice...
1. Nippon India small cap -Growth Rs 5,000
2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000
3. ICICI Prudential Small Cap- Growth Rs 10,000
4. ICICI Prudential Large Cap fund-Growth Rs 5,000
5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000
6. DSP Small Cap fund Regular Growth Rs 5,000
7. Nippn India Pharma Fund- Growth Rs 5,000
8. SBI focused Fund Regular plan- Growth Rs 5,000
9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi Sanjay,
It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.
The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.
A random portfolio like yours can create an opposite impact.
Also try to increase the monthly SIP by 10% each year. This will take care of inflation power.
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 is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.
The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.
A random portfolio like yours can create an opposite impact.
Also try to increase the monthly SIP by 10% each year. This will take care of inflation power.
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 Dec 22, 2025
Please advice what all can be closed or redeemed in today's scenerio when my perspective is now only 12 months.
Nippon small cap
Mirae heathcare
Parag Felxicap
HDFC DEFENCE
HDFC MIDCAP
QUANT SMALL CAP
SBI SMALL CAP
HDFC FLEXICAP
HDFC HYBRID
MOTILAL OSWAL NADAQ
Ans: Hi,
Considering your time horizon as only 12 months, you can start withdrawing the money from all mentioned MFs now as all the mentioned one are either with high RR or sectoral. And it is very important to save your capital and current gains. Hence can start redeeming now.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Considering your time horizon as only 12 months, you can start withdrawing the money from all mentioned MFs now as all the mentioned one are either with high RR or sectoral. And it is very important to save your capital and current gains. Hence can start redeeming now.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 22, 2025
hello, i took an insurance policy in 2021 from TATA AIA SAMPOORNA RAKSHAK which has 12 premium for 12 years and the policy goes on for 80+years with 50 lakh insurance i paic my first premium of 1,35000 yearly, but my fortune change and i lost my handsome salary job and i was unable to pay that premium so i needed to stop that as my family primary expenses comes first.Mam the insurance company say you wont get this premium back as its already written in terms and condition book,but for me its an huge amount. i would like to know from you that can i get this money from company legally or not and if so how can i get it back. thankyou.
Ans: Hi Premal,
Sorry to hear about your situation.
TATA AIA Sampoorna Rakshak is a term plan. And no term plan refunds your money after 30 days of policy issuance as cover already starts from the day 1. Hence you will not get 1.35 lakhs back at any cost.
However, your overall premium looks quite high considering cover of only 50 lakhs. You can have this checked from an insurance advisor and can approach Insurance Ombudsman for mis-selling of insurance policy. Usually a policy like yours shall not have more than 50-60k premium.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Sorry to hear about your situation.
TATA AIA Sampoorna Rakshak is a term plan. And no term plan refunds your money after 30 days of policy issuance as cover already starts from the day 1. Hence you will not get 1.35 lakhs back at any cost.
However, your overall premium looks quite high considering cover of only 50 lakhs. You can have this checked from an insurance advisor and can approach Insurance Ombudsman for mis-selling of insurance policy. Usually a policy like yours shall not have more than 50-60k premium.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 18, 2025
Asked by Anonymous - Dec 16, 2025Hindi
Hello Reetika Mam,
I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice...
1. Nippon India small cap -Growth Rs 5,000
2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000
3. ICICI Prudential Small Cap- Growth Rs 10,000
4. ICICI Prudential Large Cap fund-Growth Rs 5,000
5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000
6. DSP Small Cap fund Regular Growth Rs 5,000
7. Nippn India Pharma Fund- Growth Rs 5,000
8. SBI focused Fund Regular plan- Growth Rs 5,000
9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,
You can easily achieve your goal of 2.5 crores after 10 years. Your current investment value of 82 lakhs alone can grow to 2.5 crores assuming CAGR of 12% and monthly 50k SIP will give additional 1.1 crores, making a total corpus of 3.6 crores at 58.
But I see a problem with your current allocation. The fund selection is more aligned towards small caps of different AMCs and very concentrated and overlapped portfolio.
You need to diversify it so as to secure your current investment while getting a decent CAGR of 12% over next 10 years.
Focus on changing your current funds to large caps and BAFs and flexicaps and avoid sectoral funds.
You can also work with an advisor to get detailed analysis of your portfolio.
Hence you should 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 can easily achieve your goal of 2.5 crores after 10 years. Your current investment value of 82 lakhs alone can grow to 2.5 crores assuming CAGR of 12% and monthly 50k SIP will give additional 1.1 crores, making a total corpus of 3.6 crores at 58.
But I see a problem with your current allocation. The fund selection is more aligned towards small caps of different AMCs and very concentrated and overlapped portfolio.
You need to diversify it so as to secure your current investment while getting a decent CAGR of 12% over next 10 years.
Focus on changing your current funds to large caps and BAFs and flexicaps and avoid sectoral funds.
You can also work with an advisor to get detailed analysis of your portfolio.
Hence you should 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 Dec 18, 2025
Hi, I am 32 years old, married, and have a 4-year-old daughter. My monthly take-home salary is 55,000 rupees, and my wife's salary is 31,000 rupees, making our total income 86,000 rupees. I am currently in a lot of debt. Our total EMIs amount to 99,910 rupees (total loans with an average interest rate of 12.5%), and even with my father covering most of the monthly expenses, I still spend about 10,000 rupees. This leaves me with a shortage of approximately 25,000 rupees (debt) every month. My total debt across various banks is 36,50,000 rupees, and I also have a gold loan of 14 lakhs. I cannot change the EMI or loan tenure for another year. I also have a 2 lakh rupee loan from private lenders at an 18% interest rate. My total debt is over 52 lakhs. Now, with gold and silver prices rising, I'm worried that I won't be able to buy them again. I have an opportunity to get a 2 lakh rupee loan at a 12% interest rate, and I'm thinking of using that money to buy gold and silver and then pledge them at the bank again. Half of my current gold loan is from a similar situation – I took a loan from private lenders, bought gold, and then took a gold loan from the bank to repay the private loan. Given my current situation and my family's circumstances, should I buy more gold or focus on repaying my debts? What should I do? The monthly interest on my loans is approximately 50,000 rupees, meaning 50,000 rupees of my salary goes towards interest every month. What should I do in this situation? I also have an SBI Jan Nivesh SIP of 2000 rupees per month for the last four months. I have no savings left. I am thinking of taking out term insurance and health insurance, but I am hesitating because I don't have the money. I am looking for some suggestions to get out of these debts.
Ans: Hi Surya,
You are in a very complicated situation. This whole debt trapped needs to be worked on very judiciously. Let us go through all the aspects in detail.
1. Your total monthly household salary - 86000; monthly expense - 10000 contribution as of now; monthly EMI - approx. 1 lakhs.
2. Current loans - 36.5 lakhs from various banks at 12.5%; Gold Loan - 14 lakhs; private lenders - 2 lakhs at 18% >> totalling to 52 lakhs.
3. 50k interest per month payable - implies capital payment is very less leading to more problem.
- Keen on buying gold with loan. This is where more problem will began. Avoid buying gold using loan.
- Your focus should be on reducing your debt instead of increasing it.
Strategy to follow:
1. Close the loan with higher interest rate - 2 lakh personal lender. This will reduce your EMI and give you more potential to prepay other loans.
2. Try and take financial help from your family in prepaying small loans from banks. This can reduce your burden.
3. If you have any unused assets, can sell them to pay off your loans.
Points to NOTE:
> Avoid taking any more loans.
> When your EMI burden reduces, do make an emergency fund of 2-3 lakhs for yourself for any uncetain situation.
> Make sure to have a health insurance for yourself and family.
> Can stop your investments for now. They are of no use if your EMIs are more than your income. Can start investing once your EMI's reduce atleast by 20-30% for you.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You are in a very complicated situation. This whole debt trapped needs to be worked on very judiciously. Let us go through all the aspects in detail.
1. Your total monthly household salary - 86000; monthly expense - 10000 contribution as of now; monthly EMI - approx. 1 lakhs.
2. Current loans - 36.5 lakhs from various banks at 12.5%; Gold Loan - 14 lakhs; private lenders - 2 lakhs at 18% >> totalling to 52 lakhs.
3. 50k interest per month payable - implies capital payment is very less leading to more problem.
- Keen on buying gold with loan. This is where more problem will began. Avoid buying gold using loan.
- Your focus should be on reducing your debt instead of increasing it.
Strategy to follow:
1. Close the loan with higher interest rate - 2 lakh personal lender. This will reduce your EMI and give you more potential to prepay other loans.
2. Try and take financial help from your family in prepaying small loans from banks. This can reduce your burden.
3. If you have any unused assets, can sell them to pay off your loans.
Points to NOTE:
> Avoid taking any more loans.
> When your EMI burden reduces, do make an emergency fund of 2-3 lakhs for yourself for any uncetain situation.
> Make sure to have a health insurance for yourself and family.
> Can stop your investments for now. They are of no use if your EMIs are more than your income. Can start investing once your EMI's reduce atleast by 20-30% for you.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 18, 2025
Hello Sir ;
I am 55 years old & have decided to retire by end of 2025 . My wife is in teaching profession , earns appx. 3.5 L / annum & will continue her service till 2037( @60 yrs. of age ) . My only child is an intellectually disabled person ( with Autism ) , 14 years of age & will be incapable to earn .
As on date , I have 60 L in MF , going to sell a property by end of this year @ 41 L ( it is fixed ) , appx 5L in Bank & postal FD . My wife have 45L in MF as on date & 3 fully paid premium ULIP policy which will be matured by 2030. She can get appx. 25 L from there . This is by and large my family financial status .
Now , my queries to you that with this corpus , how we manage our ( myself & wife’s ) livelihood & most important that to manage a continuous cash flow for my disabled child till his age 65 i.e. 50 years from now . Primarily , I have thought of SWP & MIS schemes to get regular income for th retirement . My present family expense is appx. 1L per month .
Therefore , I do seek your expert advice in this regards . I will be highly obliged if you kindly address to my query .
thanking you ,
with best regards ;
Suprabhat Jatty.
Ans: Hi Suprabhat,
Let us analyse all things in detail - one at a time.
1. 5L in Bank and FD - this is your emergency fund. But if there is a lock-in on the postal FD, you need atleast 5 lakhs in bank FD as your emergency fund.
2. Health Insurance - it is the prime requirement for you and your family. You should have one covering you, your spouse as well as your kid. It will help you in uncertain health conditions of youself and family.
3. ULIP Policy - Usually policies like such are not beneficial. But these are all paid-up, good point here. Whenever you get this, try to invest it in equity and hybrid mutual funds.
4. You will get 41 lakhs from property selling. Invest the entire amount in mutual funds, a mix of equity and debt funds.
5. Cumulative MF portfolio = 1.05 crores. As the entire corpus is huge, take the advice of a proper advisor on managing your overall investments and portfolio. A guided investment always generates better result than a random portfolio.
Your annual needs - 12 lakhs; Wife will earn - 3.5 lakhs till 2037. You need additional 8.5 lakhs per year to manage your expenses.
- You can initiate a SWP from your overall savings after allocating it in correct funds with the help of advisor.
- You need to have a dedicated corpus for your son's need in your absence. Atleast 50-70 lakhs should be kept solely for your son.
- The overall corpus seems insufficient to meet your requirements for now. You can either postpone your retirement and create an additional savings corpus for your future and son. Or you may consider to work on your monthly budget.
Do work with a professional advisor to guide you with exact funds to meet your desired goals.
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)
Let us analyse all things in detail - one at a time.
1. 5L in Bank and FD - this is your emergency fund. But if there is a lock-in on the postal FD, you need atleast 5 lakhs in bank FD as your emergency fund.
2. Health Insurance - it is the prime requirement for you and your family. You should have one covering you, your spouse as well as your kid. It will help you in uncertain health conditions of youself and family.
3. ULIP Policy - Usually policies like such are not beneficial. But these are all paid-up, good point here. Whenever you get this, try to invest it in equity and hybrid mutual funds.
4. You will get 41 lakhs from property selling. Invest the entire amount in mutual funds, a mix of equity and debt funds.
5. Cumulative MF portfolio = 1.05 crores. As the entire corpus is huge, take the advice of a proper advisor on managing your overall investments and portfolio. A guided investment always generates better result than a random portfolio.
Your annual needs - 12 lakhs; Wife will earn - 3.5 lakhs till 2037. You need additional 8.5 lakhs per year to manage your expenses.
- You can initiate a SWP from your overall savings after allocating it in correct funds with the help of advisor.
- You need to have a dedicated corpus for your son's need in your absence. Atleast 50-70 lakhs should be kept solely for your son.
- The overall corpus seems insufficient to meet your requirements for now. You can either postpone your retirement and create an additional savings corpus for your future and son. Or you may consider to work on your monthly budget.
Do work with a professional advisor to guide you with exact funds to meet your desired goals.
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 Dec 17, 2025
In th period of uncertainity is it better go invest aggressively in Gold/ Silver instead or dropping from modern hedges like Mutual Funds and bonds? Kindly suggest and give your words on the burning issue.
Ans: Hi Savankumar,
It is never a wise move to invest aggressively in any single asset like Gold or Silver. My sole suggestion is to go for a balanced and diversified portfolio.
- Never drop modern hedges such as bonds or mutual funds. They are essential and plays a very critical role in maintaining overall volatility of one's portfolio.
- Ideal gold/ silver allocation should not exceed more than 10% of your overall portfolio value.
- Review your situation wrt your individual profile and work with a professional advisor to assess your risk profile and then design a suitable investment portfolio for you.
- Remember, a properly diversified portfolio always outperform an aggressive speculation.
Make sure 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)
It is never a wise move to invest aggressively in any single asset like Gold or Silver. My sole suggestion is to go for a balanced and diversified portfolio.
- Never drop modern hedges such as bonds or mutual funds. They are essential and plays a very critical role in maintaining overall volatility of one's portfolio.
- Ideal gold/ silver allocation should not exceed more than 10% of your overall portfolio value.
- Review your situation wrt your individual profile and work with a professional advisor to assess your risk profile and then design a suitable investment portfolio for you.
- Remember, a properly diversified portfolio always outperform an aggressive speculation.
Make sure 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 Dec 15, 2025
i am a 65 year old person at present working in a company as advisor with Rs.2,00,000/-month remuneration.My son is studying 1st year B.Tech.My wife is a home maker.I am having 2 apartments on my name worth approx.2 crores.MY wife is a single child to my in laws and i stay in my mother in law's house as my wife has to take care of her. I am having a plot which costs about 75 lakhs rupees.I am having PPF amount Rs,25 lakhs in my account and still account is not closed.I may be having a cash of Rs.20 lakhs approx.in various forms.I am havinga stocks porfolio worth Rs30 lakhs.I am giving you my MF sips in various forms.The MFs amount is to the tune of Rs.80 lakhs.
Fund Name Category SIP Amount % of Portfolio
Motilal Oswal Large Cap Fund Large Cap ₹15,000 10.3%
Nippon India Large Cap Fund Large Cap ₹13,000 8.9%
Total Large Cap ₹28,000 19.2%
HDFC Midcap Fund Mid Cap ₹7,500 5.1%
Edelweiss Mid Cap Fund Mid Cap ₹31,000 21.2%
Total Mid Cap ₹38,500 26.3%
SBI Small Cap Fund Small Cap ₹3,500 2.4%
Nippon India Small Cap Fund Small Cap ₹2,000 1.4%
Total Small Cap ₹5,500 3.8%
Parag Parikh Flexicap Fund Flexi Cap ₹38,500 26.3%
HDFC Focused Fund Focused ₹7,000 4.8%
Mirae Asset Large & Midcap Fund Large & Mid Cap ₹2,500 1.7%
Total Diversified Equity ₹48,000 32.8%
Canara Robeco Multi Asset Multi Asset ₹1,500 1.0%
HDFC Balanced Advantage Fund BAF ₹10,000 6.8%
Total Hybrid / Debt-Oriented ₹11,500 7.9%
Tata Nifty Capital Markets Index Sectoral (Financial Services) ₹2,000 1.4%
Nippon India Banking & Financial Services Sectoral (Financial Services) ₹1,500 1.0%
Total Sectoral ₹3,500 2.4%
Total SIP amount is approx.Rs.1.5 lakhs / month . I am having monthly sips for SBI small cap,nippon india small cap, dsp small cap rs.5000/-each in addition to above SIPs.My total MFs amount is approx.rs.75 lakhs. Though i am not sure how many months my assignment continue, immediately there is no threat.at present my health only is the criteria to continue and i may continue for maximum of one year.MY wife also may be having cash in various forms to the tune of Rs.50 lakhs. This is my financial status. Kindly guide me for a better and remunerative planning.Best Regards.
Ans: Hi Nadakuduru,
Your overall assets are good but need some proper realignment wrt you what all you mentioned. Let us have a detailed look:
- Considering that you will work for a year or so, you need to have proper alignment of your current assets in liquid form.
- Close your PPF account upon maturity and park it in debt MFs.
- Direct stock investment is way too risky. Shift that amount in equity mutual funds to fund you when you stop working.
- Make a FD of 20 lakhs cash that you have for your emergency requirement.
- Your current SIPs are highly overdiversified and overlapped. A portfolio like this never gives a good return. Hence work with a professional to get a good portfolio.
A DIY portfolio like yours can break your overall investments. Do not do any large investments like these without proper guidance.
- Hence stop current SIPS and take professional's help.
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)
Your overall assets are good but need some proper realignment wrt you what all you mentioned. Let us have a detailed look:
- Considering that you will work for a year or so, you need to have proper alignment of your current assets in liquid form.
- Close your PPF account upon maturity and park it in debt MFs.
- Direct stock investment is way too risky. Shift that amount in equity mutual funds to fund you when you stop working.
- Make a FD of 20 lakhs cash that you have for your emergency requirement.
- Your current SIPs are highly overdiversified and overlapped. A portfolio like this never gives a good return. Hence work with a professional to get a good portfolio.
A DIY portfolio like yours can break your overall investments. Do not do any large investments like these without proper guidance.
- Hence stop current SIPS and take professional's help.
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 Dec 15, 2025
Asked by Anonymous - Nov 26, 2025Hindi
Hello Sir,
Hope you are doing well. I am 43 years old and IT professionals with monthly take home post TDS 1.8+ lakhs PM. I would like to take your advise on my current investment and to understand whether I am on my right path or not considering if I want to retire by the age of 50. Please note I don't have any loan currently
Post my retirement how much I would need more for the below requirements:
1. My daughter higher study as she is in 7th standard now
2. Future health issues and
3. Daily spending (my current expense around 60 to 70K (per month on an avg) beyond my investment
My current investment:
Mutual Fund:
1. 93 Lakhs of value in Equity fund
2. 25 Lakhs of value in mix of equity and Debt fund
LIC:
1. 25 Lakhs Sum assured in Pension plan
2. 25 Lakhs of Terms plan
3. 8 Lakhs in other LIC policies
PPF/EPF/ Sukanya Samriddhi & NPS:
1. So far 57 Lakhs in all the header mentioned plans
Health insurance:
1. 35 Lakhs yearly for me my wife, my mother and for my daughter
Asset:
1. One 4 BHK Apartment around value of 80 Lakhs where staying with my family
3. Three 2 BHK apartment as property around 30 lakhs valuation for each.
Ans: Hi,
You are doing well but the allocation is entirely of no use. Let us have a detailed look:
1. 4 BHK where you are currently living - good but you will never sell it. So cannot consider in your future requirement.
2. 3 apartments - values at 90 lakhs cumulative. Good but real estate is highly illiquid. It would be wise to sell one or 2 of these and move these funds to liquid assets like mutual funds to fund your retirement after 50.
3. Current MF - 1.9 lakhs and 2.2 lakhs - total 4.2 lakhs. Insufficient comapred to your goal of retiring after 7 years. You should do some serious investments in these so as to build a good retirement fund for you.
4. You have LIC of sum assured 25 lakhs and 8 lakhs - not at all recommended as every LIC gives an annual return of only 4-5% yearly over a long time and this doesn't even beat FD interest or inflation. Surrender these if you can and again-go for good return generating assets.
5. Term Plan - 25 lakhs. Good but insufficient for you.
6. 57 lakhs in PPF, EPF, SSY and NPS. Hold it. But try and reduce your contribution to bare minimum in SSY and PPF as these generate a very low return for you to meet your goals.
Your requirements - Daughter's Education (need minimum 20 lakhs in today's value); Future Health (minimum requirement 25 lakhs); Your retirement after 7 years.
Current expenses - 70k monthly
Invest remaining 1 lakhs in equity mutual funds giving an annual return of 14-15% for you to meet your goals.
Liquidate 2 flats and redirect that fund to MFs.
Please work with a professional to draft a financial plan for you.
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 doing well but the allocation is entirely of no use. Let us have a detailed look:
1. 4 BHK where you are currently living - good but you will never sell it. So cannot consider in your future requirement.
2. 3 apartments - values at 90 lakhs cumulative. Good but real estate is highly illiquid. It would be wise to sell one or 2 of these and move these funds to liquid assets like mutual funds to fund your retirement after 50.
3. Current MF - 1.9 lakhs and 2.2 lakhs - total 4.2 lakhs. Insufficient comapred to your goal of retiring after 7 years. You should do some serious investments in these so as to build a good retirement fund for you.
4. You have LIC of sum assured 25 lakhs and 8 lakhs - not at all recommended as every LIC gives an annual return of only 4-5% yearly over a long time and this doesn't even beat FD interest or inflation. Surrender these if you can and again-go for good return generating assets.
5. Term Plan - 25 lakhs. Good but insufficient for you.
6. 57 lakhs in PPF, EPF, SSY and NPS. Hold it. But try and reduce your contribution to bare minimum in SSY and PPF as these generate a very low return for you to meet your goals.
Your requirements - Daughter's Education (need minimum 20 lakhs in today's value); Future Health (minimum requirement 25 lakhs); Your retirement after 7 years.
Current expenses - 70k monthly
Invest remaining 1 lakhs in equity mutual funds giving an annual return of 14-15% for you to meet your goals.
Liquidate 2 flats and redirect that fund to MFs.
Please work with a professional to draft a financial plan for you.
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 Dec 12, 2025
Asked by Anonymous - Nov 23, 2025Hindi
Sir,
My age is 45 now. I want to shift my career into IT. what can be done.
Also want to retire in 53 age. Salary gross 95500 INR . May I choose mutual fund sip but in whose sip?
Sbi, ICICI ?
Ans: Hi,
Please consult a career counsellor to shift your career to IT field.
And yes you can invest in SIP. Please share the amount that you want to invest monthly, your goals and risk behaviour for me to analyse and guide you in a better way.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Please consult a career counsellor to shift your career to IT field.
And yes you can invest in SIP. Please share the amount that you want to invest monthly, your goals and risk behaviour for me to analyse and guide you in a better way.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
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