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Reetika Sharma
Financial Planner, MF and Insurance Expert
432 Answers | 27 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 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/
Answered on Dec 12, 2025
Dear Sir,
I am 60 yrs and just superannuated. I have no pension and the spread of corpus is as follows;
- MF & Shares portfolio value is around 1 Cr. SWP of 40000/month initiated. But SIP of 20000/month is also on for next six months
- FDs in bank is around 3. Cr and are in Quarterly pay-out interest
- PPF of 20 Lac
- RBI Bond of 16 lac half yearly interest pay out
- PF 90 Lac not withdrawn so far as I can extend this with 1 yr.
- Few SA pension 63000 per year
Please do suggest if the above can give me expenses to meet 2.5 Lac/m for next 20 yrs
Best regards,
Ans: Hi Deepa,
Overall your total networth is 5 crores (including PF, FD, MF, binds etc.) - we will break it into 4 crores (which can be used to fund your retirement) and 1 crore for emergencies.
If invested correctly, this 4 crores can fund you for 20 years and not more than that. You need to invest 4 crores so that they fetch you around 11-12% XIRR to fund your monthly expenses. Also withdraw your PF, liquidate 2 crores from FD and reinvest entirely.
Take the help of a professional who will design your portfolio keeping in mind your monthly requirements for the next 20 years.
Hence please 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)
Overall your total networth is 5 crores (including PF, FD, MF, binds etc.) - we will break it into 4 crores (which can be used to fund your retirement) and 1 crore for emergencies.
If invested correctly, this 4 crores can fund you for 20 years and not more than that. You need to invest 4 crores so that they fetch you around 11-12% XIRR to fund your monthly expenses. Also withdraw your PF, liquidate 2 crores from FD and reinvest entirely.
Take the help of a professional who will design your portfolio keeping in mind your monthly requirements for the next 20 years.
Hence please 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 08, 2025Hindi
I am doing 2Lkh monthly SIP as following: 1. Parag Parikh flexi - 50K 2. Tata Small cap - 50K 3. Invesco India Small cap - 50K 4. Quant Mid cap - 20K 5. HDFC Index - 10K 6. Tata Nifty Midcap 150 momentum 50 index - 10K 7. Edelweiss US Tech FOF - 10K My wife is running 30K monthly SIP, 6K in each 1. Quant Small cap 2. Quant Flexi cap 3. Kotak Multi cap 4. JioBlackrock Nifty 50 index 5. JioBlackrock Flexi cap My dad also invest 30K in SIP monthly, 6K in each 1. Parag Parikh flexi 2. Axis small cap 3. Kotak flexi cap 4. Edelweiss mid cap 5. Tata nifty midcap 150 momentum 50 I am investing for retirement with 15 year horizon. Whereas my wife is investing for my daughter’s education and marriage - she is targeting to invest for 17 years (and keep invested till our daughter marriage). My father is 70 and has 15 year investment horizon - to pass on as a gift to his grandkids. Please evaluate the investment strategy.
Ans: Hi,
It is a very good habit and strategy to align your investments with your goals. You, your wife and your father are on the right track. However the funds you described are not in alignment with your goals and highly overlapped one.
It is always better to take the help of a professional when it comes to money.
A single mistake can break your portfolio. Please do work with a dedicated professional to correct your strategy.
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 a very good habit and strategy to align your investments with your goals. You, your wife and your father are on the right track. However the funds you described are not in alignment with your goals and highly overlapped one.
It is always better to take the help of a professional when it comes to money.
A single mistake can break your portfolio. Please do work with a dedicated professional to correct your strategy.
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 12, 2025
Mujhe 40000 ki sip 5 year ke liye kis fund mai karu ghar lene kebliye
Ans: Hi Shashikant,
It is good that you want to start SIP. Please share other details such as your age, time frame, your risk profile for me to guide you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It is good that you want to start SIP. Please share other details such as your age, time frame, your risk profile for me to guide you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 12, 2025
Asked by Anonymous - Nov 20, 2025Hindi
Dear Sir,
I am 43 year old living in a metro city. I have accumulated MF corpus of 2.45 Cr (2 Cr Equity fund and 45 lakh Debt fund). My PF and Gratuity is around 40 lakh. I own a house and have no liability / loans. I also have a plot worth 30 Lakhs.
My monthly expense is 60,000. I want to retire in next 2 years when I will have 3 Cr total corpus.
Do I have sufficient retirement corpus? How do reclassify my investments ?
Ans: Hi,
Your current assets are parked correctly and you have saved good wrt your age.
If you retire after 2 years with 3 crore corpus, you can fund yourself forever with 60,000 per month expenses (inflation adjusted).
You need to consult a professional who wi;ll design your overall portfolio for your retirement. It is better to avoid doing the same yourself because any minor mistake can cost your lifestyle.
Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Your current assets are parked correctly and you have saved good wrt your age.
If you retire after 2 years with 3 crore corpus, you can fund yourself forever with 60,000 per month expenses (inflation adjusted).
You need to consult a professional who wi;ll design your overall portfolio for your retirement. It is better to avoid doing the same yourself because any minor mistake can cost your lifestyle.
Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 04, 2025
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Hi My current age is 46 with monthly expenses of Rs 60000. How much retirement amount is required at age of 58 to sustain the amout till 85 with current inflation of 10 percentage
Ans: Hi Melvick,
Your current expenses of 60k per month will reach to approx 1.5 lakhs when you turn 58.
Hence you need the corpus of minimum 5 crores to cover your monthly expenses till 85 years of age.
However make sure thar other major financial goals are apart from this amount. Otherwise this 5 crore requirement will increase with increase in goals.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Your current expenses of 60k per month will reach to approx 1.5 lakhs when you turn 58.
Hence you need the corpus of minimum 5 crores to cover your monthly expenses till 85 years of age.
However make sure thar other major financial goals are apart from this amount. Otherwise this 5 crore requirement will increase with increase in goals.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 04, 2025
I have been investing in Quant Multi cap Fund Direct Plan since last 2 years via SIP. However, its underperforming for a long time. My Investment Horizon is over 10 Years. Should I continue my SIPs or Stop and start fresh SIPs with other fund houses.
Ans: Hi Sangram,
Choosing random funds like these always underperform and this fund is one such example.
Stop this SIP for now and start in Axis largecap. Let this fund remain as it is for another 10 years with only 500 monthly contribution. Do the rest in largecap for 10 years.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Choosing random funds like these always underperform and this fund is one such example.
Stop this SIP for now and start in Axis largecap. Let this fund remain as it is for another 10 years with only 500 monthly contribution. Do the rest in largecap for 10 years.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 04, 2025
I am a 49 yr old widow working in a private company. I have invested around 4.5 L in ICICI prudential asset allocator FOF regular plan in Jan 2025. Should I continue or redeem this? I want to change this to Direct plan. Should I wait until Jan 2026 to avoid short term capital gain tax? Is investing in Arbitrage direct fund a better option? This is my savings amount and doesn't affect my monthly expenditure or living expenses. Kindly suggest. Thanks!
Ans: Hi Venky,
Investing a lumpsum in random plan is not a good idea and shifting to direct without understanding anything isn't wise either.
This is not an ideal fund for you to invest. Choose a largecap or a multicap fund to invest this 4.5 lakhs.
Or 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 a lumpsum in random plan is not a good idea and shifting to direct without understanding anything isn't wise either.
This is not an ideal fund for you to invest. Choose a largecap or a multicap fund to invest this 4.5 lakhs.
Or 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 04, 2025
Hello Sir- My monthly SIP investment is around 63000 per month, since i started investing in SIP from 2017. Slowly and steadily from 10000 per month i extended the SIP amount to 63,000 as on today. As on today my corpus amount is 1 core plus. I want to do SWP now. What best you suggest.
Ans: Hi Rajit,
Your example is the best one to build wealth slowly and steadily. Generating 1 crores isn't easy.
It is best to start SWP in case you need funds. Kindly share your monthly requirements for me to help you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Your example is the best one to build wealth slowly and steadily. Generating 1 crores isn't easy.
It is best to start SWP in case you need funds. Kindly share your monthly requirements for me to help you better.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 04, 2025
I am 43 years old from past 2 Years investing in SIP 24K per month SBI small cap regular 8K , motilal oswal small cap 2K , reliance nippon growth small cap 4K , baroda BNP paribhas growth 2500, axis consuption fund 2500 , helios flexicap fund 5K is this sufficient or I need to invest more for 2cr corpus also advise if any fund I need to replace
Ans: Hi Shailinder,
Mutual funds you mentioned are not at all recommended. Entire selection in of no use and can really destroy your investments. You should consult a professional advisor to design an investment strategy for you. Please stop your current SIPs for now and consult a professional.
A correct selection of funds with a monthly SIP of 24k and annual stepup of 10% can give you 2 crores after 14 years.
Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Mutual funds you mentioned are not at all recommended. Entire selection in of no use and can really destroy your investments. You should consult a professional advisor to design an investment strategy for you. Please stop your current SIPs for now and consult a professional.
A correct selection of funds with a monthly SIP of 24k and annual stepup of 10% can give you 2 crores after 14 years.
Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 04, 2025
Asked by Anonymous - Nov 20, 2025Hindi
I am a 39 year old living in Bangalore with wife, 2 children (6 year old and 1 year old).
My mutual fund (all equity) portfolio is 31 lac.
Current monthly SIP is 50000.
Current EPF balance 18 lac. My wife and I have PPF accounts, whose balance is 40 lac together.
I have an own house and have no plans to construct another.
What should be my retirement corpus if I want to retire in 8 years from now.
I'm planning to use both PPF accounts money for children education.
When should I withdraw my EPF completely? How should I make use of my EPF+SIP money into SWP in order to sustain the corpus till I'm 75?
Please suggest.
Ans: Hi,
You have great clarity wrt your investments and goals. Let us address your queries in detail:
1. Planning to use current PPF of 40 lakhs for kid's education. A wise decision but wrong allocation. Returns of 7.1% will not beat education inflation of around 13%. You need to allocate this amount to aggressive funds to get the desired corpus that wou will require when your kids turn 18 years. Consider moving the entire amount into mutual funds when the PPF matures or you will require additional amount for this goal.
2. EPF - 18 lakhs currently.
3. Mutual funds - corpus after 8 years will be around 2 crores if you continue investing 50k with 10% stepup for coming 8 years getting a return of 13%.
Total of 2.5 crores can be parked into a mix of equity and debt giving an average return of 11%. You can withdraw 1.25 lakhs per month with 4% annual increase forever from this corpus and still leave crores of legacy for your kids. IT depends on your annual expenses at that time. You can share more precise details of your monthly expenses for me to help you better.
Also as your MF portfolio is 31 lakhs, it is better to consult a professional to have your investments in alignment to your goals. Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have great clarity wrt your investments and goals. Let us address your queries in detail:
1. Planning to use current PPF of 40 lakhs for kid's education. A wise decision but wrong allocation. Returns of 7.1% will not beat education inflation of around 13%. You need to allocate this amount to aggressive funds to get the desired corpus that wou will require when your kids turn 18 years. Consider moving the entire amount into mutual funds when the PPF matures or you will require additional amount for this goal.
2. EPF - 18 lakhs currently.
3. Mutual funds - corpus after 8 years will be around 2 crores if you continue investing 50k with 10% stepup for coming 8 years getting a return of 13%.
Total of 2.5 crores can be parked into a mix of equity and debt giving an average return of 11%. You can withdraw 1.25 lakhs per month with 4% annual increase forever from this corpus and still leave crores of legacy for your kids. IT depends on your annual expenses at that time. You can share more precise details of your monthly expenses for me to help you better.
Also as your MF portfolio is 31 lakhs, it is better to consult a professional to have your investments in alignment to your goals. Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 04, 2025
Hello gurus. Currently I am 36 years old. I have just started investing in mutual 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 infrastructure fund-3500/- (F) quant small cap fund -4000/- (G) qyant active fund -3500/- (H) quant absolute fund-5000/- Total i am investing 36000/- per month. I want to get 2 crore till 2035. Additionally i want to invest 1 lakh per annum So my questions is ARE THESE MUTUAL FUNDS ARE OK or I should change any fund and in case of change, which fund I should exit And where should I invest this additional 1 lkh rupee per annum.
These all funds are direct growth funds.
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 04, 2025
Asked by Anonymous - Nov 23, 2025Hindi
Hi,
I’m 32 years old, and I am planning to achieve financial freedom by the age of 50.
I currently have ₹6.8 lakh in mutual funds and I am doing ₹37,000 SIP in the following funds:
1. Parag Parikh Flexi Cap (Direct) – ₹10,000
2. Edelweiss Mid Cap (Direct) – ₹10,000
3. SBI Contra – ₹8,500
4. Mirae Asset Small Cap – ₹8,500
I also have ₹14.5 lakh in Fixed Deposits and ₹2.5 lakh in EPF.
I can increase my SIP to ₹50,000 per month.
I have three major goals:
My 1-year-old daughter’s education
Buying a home (a simple, stable home by age 50)
Retirement planning
My monthly take-home salary is ₹1.85 lakh, and I receive a yearly bonus of ₹2 lakh.
Please suggest how I should approach my financial planning, and whether my current funds are good to continue or if I should make any changes.
Ans: Hi,
You have built a great corpus at your age and it is commendable. LEt us go through these details:
- 14.5 lakhs in FD. Can decrease it to 10 lakhs and invest rest 4.5 lakhs in mutual funds.
- EPf of 2.5 lakhs
- You should also have a proper term and health insurance for yourself and family.
- Current investments 37000 and want to increase it to 50000. The funds you are investing currently are all direct funds but diversification is way too less. Although direct funds are popular due to their less expense ratio, but going for regular funds with professional's advice outperform the performance of direct funds. Do consult a professional and redesign the investment strategy.
- You have a lot of time to plan and achieve your goals. A dedicated aggressive SIP of 25k per month for 17 years will give you 2 crores for your daughter when she turns 18.
- Invest remaining 25k for 18 years with 10% increment to get down payment for your house and your reitrement corpus.
- Focus on increasing your investments to more amount to get more wealth.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have built a great corpus at your age and it is commendable. LEt us go through these details:
- 14.5 lakhs in FD. Can decrease it to 10 lakhs and invest rest 4.5 lakhs in mutual funds.
- EPf of 2.5 lakhs
- You should also have a proper term and health insurance for yourself and family.
- Current investments 37000 and want to increase it to 50000. The funds you are investing currently are all direct funds but diversification is way too less. Although direct funds are popular due to their less expense ratio, but going for regular funds with professional's advice outperform the performance of direct funds. Do consult a professional and redesign the investment strategy.
- You have a lot of time to plan and achieve your goals. A dedicated aggressive SIP of 25k per month for 17 years will give you 2 crores for your daughter when she turns 18.
- Invest remaining 25k for 18 years with 10% increment to get down payment for your house and your reitrement corpus.
- Focus on increasing your investments to more amount to get more wealth.
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 04, 2025
I am 60 year old and want to invest in swp around 50 laks and for 15 years.What will be the ideal %of monthly withdrawal. Can i withdraw the amount from the month of investment. If i differ it to 6 month then whether it will be better or not.
Ans: Hi Manoj,
Doing SWP to cover your expenses is a very good and ideal strategy. Yes you can start withdrawing from the month of investment but it is better to wait for 2-3 months before your first withdrawal.
Assuming your inevstment generates a return of 10%, you can withdraw 45k per month for next 15 years and still left with 27 lakhs corpus.
If you withdraw 40k per month with an increase of 4% per year, you can do that for 15 years and still left with 8 lakhs.
You should consult a professional to build an investment strategy keeping in mind your requirements and minimum tax liability for you. Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Doing SWP to cover your expenses is a very good and ideal strategy. Yes you can start withdrawing from the month of investment but it is better to wait for 2-3 months before your first withdrawal.
Assuming your inevstment generates a return of 10%, you can withdraw 45k per month for next 15 years and still left with 27 lakhs corpus.
If you withdraw 40k per month with an increase of 4% per year, you can do that for 15 years and still left with 8 lakhs.
You should consult a professional to build an investment strategy keeping in mind your requirements and minimum tax liability for you. Hence get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 04, 2025
Hello Sir,
I am 40-year-old, my monthly in hand income is Rs. 67000/-. My monthly expense is Rs. 40 K-45 K. I have parental home, currently don’t have any loan, all expenses covered in monthly expense.
Monthly investment as per below details:
1) Rs. 5K in PPF (currently 2.5 Lacs in PPF)
2) Rs. 2K in SBI Ulip policy for 30 years- started in 2013.
3) Started SIP 8 months back- Rs. 1.5 K each in -SBI gold direct, parag parikh flexi cap, quant small cap, nippon india small cap, Motilal oswal midcap.
My question is:
1) Current returns on mutual funds are not so good can you suggest continuing above.
2) Also are this above investment sufficient for my children studies (Son-4 yrs, daughter-8 yrs) after 10-12 years.
3) Can you please suggest other investment option for future retirement purpose.
Ans: Hi Piyush,
Let us cover the details one by one:
1. You are left with approx 25k per month to invest in order to achieve your goals.
2. Make sure to have proper emergency fund of 1.5 lakhs in FD.
3. You should have proper term and health insurance for yourself and family.
4. Monthly investment in PPF - 5k. It is a good debt instrument and gives tax free return of 7.1%. Can continue with it.
5. 2k in SBI Ulip - not recommended. ULIPs are very high charging policies and usually gives an average return of 7-8% which is at par with that of FD. It comes with high hidden charges. Hence avoid taking such policies in future.
6. 12k monthly in mutual funds. OVerall a good amount but not sufficient to cover your goals. You should increase this amount to your maximum capacity.
7. Also start investing some amount for your retired life.
And funds that you mentioned are overlapped and not recommended. Ideally just have large, mid, small and multi cap fund in your portfolio. This mix will give a return of 12-14% on an yearly basis.
Try not to follow random online advice to invest your hard earned money. Take the help of a professional advisor to guide you through.
Hence, stop your current mutual funds and redirect them onto the mentioned mix. Also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Let us cover the details one by one:
1. You are left with approx 25k per month to invest in order to achieve your goals.
2. Make sure to have proper emergency fund of 1.5 lakhs in FD.
3. You should have proper term and health insurance for yourself and family.
4. Monthly investment in PPF - 5k. It is a good debt instrument and gives tax free return of 7.1%. Can continue with it.
5. 2k in SBI Ulip - not recommended. ULIPs are very high charging policies and usually gives an average return of 7-8% which is at par with that of FD. It comes with high hidden charges. Hence avoid taking such policies in future.
6. 12k monthly in mutual funds. OVerall a good amount but not sufficient to cover your goals. You should increase this amount to your maximum capacity.
7. Also start investing some amount for your retired life.
And funds that you mentioned are overlapped and not recommended. Ideally just have large, mid, small and multi cap fund in your portfolio. This mix will give a return of 12-14% on an yearly basis.
Try not to follow random online advice to invest your hard earned money. Take the help of a professional advisor to guide you through.
Hence, stop your current mutual funds and redirect them onto the mentioned mix. Also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 02, 2025
Answered on Dec 02, 2025
I want to withdraw 6 lacs frm hdfc balance Advantage fund and put in nipponindia largecap fund, is it correct or putv3lacs each in nipponindia mutual fund nd icicipru equity nd debt fund
Ans: Hi Mario,
Please share the goal for which you want to move the fund from Balanced fund to other. Will guide accordingly.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Please share the goal for which you want to move the fund from Balanced fund to other. Will guide accordingly.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 02, 2025
Sir mein def person hun mein smart fortune wealth buider midcap fund mein 2 lakh investment karna chahta hun kya hai sahi faisla hai
Ans: Hi Sunil,
No. This is not a good plan. It comes with hidden charges, lock-in and very low returns, even less than FD.
Instead go for mutual fund investment. Connect with a professional to start investing in mutual funds to get 12% annual returns.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
No. This is not a good plan. It comes with hidden charges, lock-in and very low returns, even less than FD.
Instead go for mutual fund investment. Connect with a professional to start investing in mutual funds to get 12% annual returns.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 02, 2025
I started a Max Life Monthly Income Advantage Plan, 50k/ year in 2016. Made only one payment of 50K and could not continue. Will I get the paid amount at maturity?
Ans: Hi Rajeev,
No, you will not get 50k at maturity. And do stay away from plans like these as these comes with high hidden charges, lock-in and no return of 50k.
Instead if you would have put 50k in any mutual fund, you would have gotten back more than 1.4 lakhs today.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
No, you will not get 50k at maturity. And do stay away from plans like these as these comes with high hidden charges, lock-in and no return of 50k.
Instead if you would have put 50k in any mutual fund, you would have gotten back more than 1.4 lakhs today.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 02, 2025
Hello gurus. Currently I am 36 years old. I have just started investing in mutual 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 infrastructure fund-3500/- (F) quant small cap fund -4000/- (G) qyant active fund -3500/- (H) quant absolute fund-5000/- Total i am investing 36000/- per month. I want to get 2 crore till 2035. Additionally i want to invest 1 lakh per annum So my questions is ARE THESE MUTUAL FUNDS ARE OK or I should change any fund. And where should I invest this additional 1 lkh rupee per annum.
These all funds are direct growth funds.
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 underperforming 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.
Your current funds are direct, but direct funds are over-rated. A portfolio like yours can instead give you a loss than generating good returns. 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 underperforming 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.
Your current funds are direct, but direct funds are over-rated. A portfolio like yours can instead give you a loss than generating good returns. 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 02, 2025
Sar main 40 sal ka hun aur main government employa hun main 3000 ki mutual fund SIP karna chahta hun kis mutual fund mein dalo mujhe uchit raha hai yah Salah den
Ans: Hi Suresh,
Please go for Axis Large Cap Fund to do a sip of 3000.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Please go for Axis Large Cap Fund to do a sip of 3000.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Dec 02, 2025
I am 49 yrs old , which SIP should i invest and how much
Ans: Hi Amol,
It is really good that you want to start investing at the age of 49. SIP funds depends on a lot of factors such as your goals, risk apettite, other investments and many more.
1. Make sure to have a dedicated emergency fund.
2. Have ample term and health insurance for yourself and family.
3. As you will retire in another 11 years, you can go with a largecap fund, a multicap fund and a balanced fund.
Or you can choose 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 really good that you want to start investing at the age of 49. SIP funds depends on a lot of factors such as your goals, risk apettite, other investments and many more.
1. Make sure to have a dedicated emergency fund.
2. Have ample term and health insurance for yourself and family.
3. As you will retire in another 11 years, you can go with a largecap fund, a multicap fund and a balanced fund.
Or you can choose 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 02, 2025
Hello Mam, Below are the my mutual fund for long term view (5-7 years) Kotak multicap , Mirae Midcap, Nippon small cap, Nippon Flexi cap, Nippon India Nifty 50 index fund Sip 2000 in each fund. My wife portfolio ICICI large and mid cap, Invesco and Tata small cap, Kotak midcap, quant flexicap , Nippon Multicap each fund 3000 sip. are this blend of funds is ok my target is 5 cr next 20 yrs
Ans: Hi Bhushan,
The funds you mentioned are highly overlapped and overly diversified funds. This is not a good selection of funds but the random funds suggested online.
Your aim is to get 5 crores in next 20 years and this goal needs proper analysis. Do consult a professional on the same and avoid investing in random funds like these. Portfolio should be simple.
Please 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)
The funds you mentioned are highly overlapped and overly diversified funds. This is not a good selection of funds but the random funds suggested online.
Your aim is to get 5 crores in next 20 years and this goal needs proper analysis. Do consult a professional on the same and avoid investing in random funds like these. Portfolio should be simple.
Please 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 02, 2025
My MF portfolio is as follows: Lumpsum investment of Rs 1 lakh in HDFC Balanced Advantage Growth Fund and 80k in ICICI Prudential Large Cap Fund for more than 2 years
50k each for little over 5 months in Motilal Oswal Midcap Fund, HDFC Flexicap Fund, Quant Small Cap Fund and ICICI Prudential Large and Midcap Fund. 2 SIP's of Rs. 1k in HDFC Midcap Fund and Nippon India Small Cap Fund for more than 2 years. Does this look good.
Is it right time to invest in gold. Can I tweak any of the aforesaid investment and invest in Gold MF because I don't want to invest more in MF.
Ans: Hi Siddhartha,
Overall fund selection looks quite disorganized and overlapping is there. All funds are randomly selected from online recommendations. Keep your funds to a maximum of 3-4 funds - 1 large, 1 mid and 1 small cap; can add HDFC Balanced fund - no more funds.
If you are looking for long term investing with best returns, it would be wise for you to work with a professional advisor. He will work on fund selection as per your profile and monitor the performance periodically.
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)
Overall fund selection looks quite disorganized and overlapping is there. All funds are randomly selected from online recommendations. Keep your funds to a maximum of 3-4 funds - 1 large, 1 mid and 1 small cap; can add HDFC Balanced fund - no more funds.
If you are looking for long term investing with best returns, it would be wise for you to work with a professional advisor. He will work on fund selection as per your profile and monitor the performance periodically.
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 02, 2025
Asked by Anonymous - Nov 27, 2025Hindi
Hello sir, Thanks for all your advice.I worked in a telecom company in 1995 for 2 yeras in chandigarh.That company has now closed down.How to get my pf from that company.
Ans: Hi,
Your PF is not linked to any company but with your UAN number and your details. Try and gather required documents, and work with EPFO office to get your PF.
1. Try and find your UAN number or PF account number
2. You will also need company details, keep your salary slips handy
3. Personal details such as adhaar, PAN etc will be required at EPFO office
4. Fill and file a physical form.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Your PF is not linked to any company but with your UAN number and your details. Try and gather required documents, and work with EPFO office to get your PF.
1. Try and find your UAN number or PF account number
2. You will also need company details, keep your salary slips handy
3. Personal details such as adhaar, PAN etc will be required at EPFO office
4. Fill and file a physical form.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
Asked by Anonymous - Nov 04, 2025Hindi
Kindly give your expert opinion regarding my monthly mutual fund investments at the moment of Rs. 40000 (total SIP gradually increased over past years) I have been doing for the last 7 and half years. I am 42 yr old. My total portfolio value till now is around Rs. 42,50,000. I want to create a corpus of around 2.5 Crore in the next 10 years. 1. HDFC Children's Gift Fund - (Lock-in) - Regular Plan - Rs. 10000. 2. ICICI Prudential Midcap Fund - Direct Growth - Rs. 5000 3. ICICI Prudential Multicap Fund - Growth - Rs. 2000 4. Axis Large Cap Fund - Regular Growth - Rs. 4500 5. Axis Focussed 25 Fund - Regular Growth - Rs. 2000 6. SBI Focussed Equity Fund - Regular Growth - Rs. 4500 7. Invesco India Small Cap Fund - Regular Growth - Rs. 5000 8. Edelweiss Multi Cap Fund - Regular Growth - Rs. 7000 I want to increase the SIP of around Rs. 10000 in my mutual funds now to make total SIP value of Rs. 50000. I am thinking about increasing Rs. 7000 in Axis Large Cap Fund (which will take its total Sip value to Rs. 11500) and Rs. 3000 in Axis Focussed Fund (which will take its total Sip value to Rs. 5000). Kindly suggest me following three things: 1) Possibility of creating a corpus of around 2.5 Crore in the next 10 years with these funds and what should be the right yearly increase in my SIP value. 2) Increasing of SIP of Rs. 7000 in Axis Large Cap Fund and Rs. 3000 in Axis Focussed Fund is right choice or should I increase in my other mutual funds. Your expert opinion will be appreciated.
Ans: Hi,
I really appreciate your dedication in investing consistently for past 7.5 years and creating an amazing corpus for yourself.
Currently you are investing 40k monthly and want to increase it to 50k per month which is a very good decision as step-up SIP can make a huge positive impact in your wealth creation journey.
- If you continue investing at this pace, with a monthly investment of 50k for next 10 years, you can easily achieve 2.5 crores with a CAGR of 13%. And if you step-up with 10% yearly investment, you can get more than 3 crores after 10 years.
- However the funds you mentioned are lil overlapping. It needs some minor re-allocation. You have 2 multi cap funds and 2 focused funds. You can keep one of both the funds.
- Increasing 10k SIP - Add 3500 to Axis Largecap (total 8000), 6500 in good Momentum fund like Hdfc nifty 200 momentum 30 index fund.
As your portfolio size is quite big, it would be really better for you to work with a professional who reviews your portfolio periodically and changes it as per the requirement.
Hence 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.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
I really appreciate your dedication in investing consistently for past 7.5 years and creating an amazing corpus for yourself.
Currently you are investing 40k monthly and want to increase it to 50k per month which is a very good decision as step-up SIP can make a huge positive impact in your wealth creation journey.
- If you continue investing at this pace, with a monthly investment of 50k for next 10 years, you can easily achieve 2.5 crores with a CAGR of 13%. And if you step-up with 10% yearly investment, you can get more than 3 crores after 10 years.
- However the funds you mentioned are lil overlapping. It needs some minor re-allocation. You have 2 multi cap funds and 2 focused funds. You can keep one of both the funds.
- Increasing 10k SIP - Add 3500 to Axis Largecap (total 8000), 6500 in good Momentum fund like Hdfc nifty 200 momentum 30 index fund.
As your portfolio size is quite big, it would be really better for you to work with a professional who reviews your portfolio periodically and changes it as per the requirement.
Hence 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.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
Asked by Anonymous - Nov 07, 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 premium for next 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 1.4 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 40%. Given these details, how should I plan our investments to achieve the goals and how much time are we looking to achieve this?
Ans: Hi,
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)
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.
Also do try to maximize your investments at the maximum potential. Try to invest more than 1 lakh per month in mutual funds for a secured future.
So it is better for you 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)
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)
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.
Also do try to maximize your investments at the maximum potential. Try to invest more than 1 lakh per month in mutual funds for a secured future.
So it is better for you 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 Nov 26, 2025
Asked by Anonymous - Nov 15, 2025Hindi
I am 49 years old and a single parent with a stable career and all major responsibilities already settled, including owning a home. I have savings of ₹17 lakh that I want to invest with a long-term horizon of 10–15 years, and I can comfortably invest ₹30,000 per month through SIPs. My son is 21 years old and currently pursuing his graduation, and my objective is to build a long-term corpus that I can eventually give to him. Since this investment is intended for his future, I feel his age and long-term horizon should guide the risk assessment rather than mine.
Given this background, could you kindly suggest a detailed investment plan for mutual funds—both for lump sum investment and systematic monthly SIPs—including suitable categories, recommended asset allocation, and an approach that balances growth and risk for long-term wealth creation?
Ans: Hi,
It is really good that you have managed doing everything along with a good education for your kid.
- Make sure you have ample term life cover for yourself.
- Have a proper health insurance for yourself.
- Keep 6 months of expenses as an emergency fund in FD.
- Make sure you have sufficient retirement corpus for yourself when you retire.
- Invest current lumpsum of 17 lakhs in aggressive funds as your horizon is long term for the kid.
- SIP of 30k per month can also be done in aggressive funds.
I can suggest a mix of large, mid and small cap fund investment for you. Choose the suitable funds. Or better talk to a professional for proper guidance and avoid falling into the trap of any random tip.
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 really good that you have managed doing everything along with a good education for your kid.
- Make sure you have ample term life cover for yourself.
- Have a proper health insurance for yourself.
- Keep 6 months of expenses as an emergency fund in FD.
- Make sure you have sufficient retirement corpus for yourself when you retire.
- Invest current lumpsum of 17 lakhs in aggressive funds as your horizon is long term for the kid.
- SIP of 30k per month can also be done in aggressive funds.
I can suggest a mix of large, mid and small cap fund investment for you. Choose the suitable funds. Or better talk to a professional for proper guidance and avoid falling into the trap of any random tip.
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 Nov 26, 2025
I took SBI Max Gain Home Loan for 45lacs in 2011 for 25yrs period and current interest rate is 8.8%. I have been prepaying & current outstanding is less than 1 lac. I can withdraw the money as it is an Overdraft account. Should I close the loan or utilise the available amount (approx 30lacs), continue the home loan and keep prepaying as and when surplus is available.
My current needs are Home renovation approx 15-20lacs, new car as current car has 1year before end of life approx 10lacs.
Majority of my savings is in MF & FD. Or should I take specific loan for the needs.
Ans: Hi,
It is better to take the overdraft loan than to take individual loans at higher interest rates.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It is better to take the overdraft loan than to take individual loans at higher interest rates.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
Dear Mam,
I will go for Large cap fund as advised by you.
Is it a wise investment in Gold ETF for him at present condition ?
Plz suggest,
with rgds,
Ans: Hi Goutam,
Yes. It is never a bad time to buy gold etf. Start with a monthly SIP of, let us say, 1000 rupees. Buy etf for 1000 every month. This way averaging will keep on happening for a long time. do not invest any lumpsum amount in it.
And make sure to keep your monthly investment as maximum 10% of overall monthly investments in gold etf.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Yes. It is never a bad time to buy gold etf. Start with a monthly SIP of, let us say, 1000 rupees. Buy etf for 1000 every month. This way averaging will keep on happening for a long time. do not invest any lumpsum amount in it.
And make sure to keep your monthly investment as maximum 10% of overall monthly investments in gold etf.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
i took one LIC insurance which is "AADHAR SHILA". This was sold to be by one known LIC agent. He sold me similar 17 insurance policy which will get matured every year starting 2038. i fell the insurance not worth it. i want to surrender this insurance. Do i compulsorily need to visit LIC home branch for it. I live in different city now. Is there way to surrender it in my current city. If i stop paying the premiums, will i get surrender value whenever i close it when i go back to the home branch city maybe next year.
Ans: Hi Saket,
It is true that all LIC policies or policies like these are just a waste of money, time and energy. And usually our known ones sell us policies like these.
Your thought of surrendering all these is a practical decision.
But for any LIC policy, you have to visit home branch. It will take an hour or two to fill the required forms and submit. That's it.
And you have to pay the premiums on time to surrender your policy otherwise it can lapse. Try and plan a trip before upcoming payment date.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
It is true that all LIC policies or policies like these are just a waste of money, time and energy. And usually our known ones sell us policies like these.
Your thought of surrendering all these is a practical decision.
But for any LIC policy, you have to visit home branch. It will take an hour or two to fill the required forms and submit. That's it.
And you have to pay the premiums on time to surrender your policy otherwise it can lapse. Try and plan a trip before upcoming payment date.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
Best SIP to invest lumpsum amount of Rs. 10Lakhs.
Ans: Hi Sumanta,
Name of the funds depends on many things such as your goal, time horizon, risk appetite and many other factors.
If your horizon is long term, can choose a mix of large, midcap and smallcap fund.
But it is best for you to take a proper professional advice. 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)
Name of the funds depends on many things such as your goal, time horizon, risk appetite and many other factors.
If your horizon is long term, can choose a mix of large, midcap and smallcap fund.
But it is best for you to take a proper professional advice. 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 Nov 26, 2025
iam having few mutual fund SIPs and the XIRR stays between 11 to 13 % , is that the normal XIRR to be expected or should the MFs be revaluated to give a more better XIRR. The question is at the rate of average 12% XIRR total are the funds performing well
Ans: Hi SM,
12% is generally considered a decent XIRR for mu tual funds, but some funds give way better returns than this. It depends on the fund chosen and the strategy to implement the same.
Overall, for long term it is a good XIRR for you. However, you share the fund name along with your invrestments in each for me to guide you better.
Or you may work with a professional advisor who looks out for your investments and track them.
Hence you may also 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)
12% is generally considered a decent XIRR for mu tual funds, but some funds give way better returns than this. It depends on the fund chosen and the strategy to implement the same.
Overall, for long term it is a good XIRR for you. However, you share the fund name along with your invrestments in each for me to guide you better.
Or you may work with a professional advisor who looks out for your investments and track them.
Hence you may also 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 Nov 26, 2025
Asked by Anonymous - Nov 01, 2025Hindi
Sir, one year before I had invested in six different Quant mutual funds. These are not at all performed well and some are in loss too, even after more than one year. What to do now?
Ans: Hi,
Seems you have invested in 6 funds just based on some random online video or a tip. Investing money like this is not recommended. Share more details like fund name, invested value and investment date. Will check and guide you on that basis.
Refrain from doing any kind of investment through a random tip or any non-professional.
It is always best to take a professional help when comes to investing.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Seems you have invested in 6 funds just based on some random online video or a tip. Investing money like this is not recommended. Share more details like fund name, invested value and investment date. Will check and guide you on that basis.
Refrain from doing any kind of investment through a random tip or any non-professional.
It is always best to take a professional help when comes to investing.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
Asked by Anonymous - Nov 13, 2025Hindi
For a NRI aged 55 years with 4 crore in MFs, 4 Cr in real estate, 2 cr in shares and 2 cr in bank. At this juncture what a CFP can offer me. In what all areas they can improve my financial set up. How much typically they charge for such services.
Ans: Hi,
You have built quite a good corpus at such age. A professional help offers many things such as parking all money with alignment to your needs, your risk appetite, using strategies so that your monthly expenses are fulfilled and the remaining corpus keeps growing. There are many avenues where a professional or a CFP helps you by regularly monitoring your investments and makig required changes whenevr necessary.
Charges vary for all professionals. Please get in touch with one.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You have built quite a good corpus at such age. A professional help offers many things such as parking all money with alignment to your needs, your risk appetite, using strategies so that your monthly expenses are fulfilled and the remaining corpus keeps growing. There are many avenues where a professional or a CFP helps you by regularly monitoring your investments and makig required changes whenevr necessary.
Charges vary for all professionals. Please get in touch with one.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
I have one matual fund scheme,i want to switch to other MF scheme. what should i do with money invested in previuos mf. can i redeem it or re-in vest in other MF scheme
Ans: Hi Arun,
You can do either - redeem and re-invest or keep it as it is. Redeeming will attract tax upon you. So decide accordingly.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
You can do either - redeem and re-invest or keep it as it is. Redeeming will attract tax upon you. So decide accordingly.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 26, 2025
i have a daughter who is 2 years old. i want to keep aside some money by investing it somwehere where good returns are there. I have5lakh as extra cash with me apart from.wmergency fund and all. keeing in view the todays scenario. what ootions do i have to invest either this lumpsumaount or sip for my daughter. please be specific with the name od plans / startegies, etc.
Ans: Hi Nikk,
To invest for your daughter's future, you can choose aggressive mutual funds as the horizon is long term and you can increasse your risk appetite here. So invest 1 lakh in large cap, 1 lakh in mid cap, 1 lakh in small cap and 2 lakhs in flexi cap fund. Choose Axis for large, small and mid cap and HDFC for flexi cap fund.
I will also suggest you to take a professiona guidance for your investment queries. Hence, you can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
To invest for your daughter's future, you can choose aggressive mutual funds as the horizon is long term and you can increasse your risk appetite here. So invest 1 lakh in large cap, 1 lakh in mid cap, 1 lakh in small cap and 2 lakhs in flexi cap fund. Choose Axis for large, small and mid cap and HDFC for flexi cap fund.
I will also suggest you to take a professiona guidance for your investment queries. Hence, you can consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 24, 2025
i am 50 years old. And my daughter is 17 appearing for 12th boards and my Son is 15 appearing for 10th boards. What best you suggest to invest the amount in there education from the SIP till dated.
Ans: Hi Rajit,
Your question is unclear to me. But let me interpret - you want to invest some amount for your kid's education in SIP and want to know the funds.
Well, your daughter will require funds next year and son after 3 years. Let me know how much do you want to invest and will guide you further.
Also explain if you want to ask anything else.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Your question is unclear to me. But let me interpret - you want to invest some amount for your kid's education in SIP and want to know the funds.
Well, your daughter will require funds next year and son after 3 years. Let me know how much do you want to invest and will guide you further.
Also explain if you want to ask anything else.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 24, 2025
Answered on Nov 24, 2025
I recently sold a property for 40 lakh - bought in 2016, and would have to pay LTCG of 20% for around 7 lakh (benefit) - I have an outstanding loan (on other property) for 60 lakhs. Should I use this money to pay off my 60 lakh loan (interest rate 8.75%) OR should I use 20 lakh to pay off loan, and invest 20 lakh in a MF (HDFC Balanced Fund + SWP that can help cover the EMIs. Can you please suggest?
Ans: Hi PD,
Prepaying home loan at such low interest rate is not a good idea. If you want your emi burden by SWP, invest entire amount in BAF and do SWP of 35k to 40k to reduce emi burden.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Prepaying home loan at such low interest rate is not a good idea. If you want your emi burden by SWP, invest entire amount in BAF and do SWP of 35k to 40k to reduce emi burden.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 24, 2025
Hi,
I am 47 years old IT professional based out of Pune. My current take home per month is Rs 2.2 lakhs post taxes. I have a living home in pune where I plan to stay for rest of life. Additionally I have one flat in bangalore worth 65 lakhs, one plot in bangalore worth 35 lakhs and another flat in pune worth 60 lakhs. I have 75 lakhs in Equity & mutual funds, 1.4 crores in FD's, 55 lakhs in EPF, $38k in 401K in USA. I am married and have a daughter of 15 yrs. I plan to retire by 50 and my current yearly expenses are 15 lakh. pls advice.
Ans: Hi Rohit,
Your overall financials look good. You are currently earning 2.2 lakhs per month and willing to retire after 3 years. Let us have a closer look:
1. Your PF - 55 lakhs is good and can cover the initial years expenses for your retirement.
2. FD - 1.4 crores. Ideally you should have 10-15 lakhs of emergency fund as your FD. You should move the entire amount into a mix of debt and balanced mutual funds. If this amount is kept aside for your daughter's higher education after 3 years, then let it remain in FD. But if not, move it to mutual funds.
3. 75 lakhs in equity and mutual funds. Direct investment in equity is not recommended as profound knowledge of fundamentals and technical is required. Hence advice you to move the amount in equity to mutual funds as you will no longer have to monitor individual stocks.
And in mutual funds - make sure you have chosen the right set of funds for your future. In this case, getting intouch with a professional is recommended as they can work wrt your goals and make a strategy to fund your retirmeent.
4. You have a flat and plot in Bengaluru. As you have planned to settle in Pune, you can sell that property to add money in your retirement fund. Invest the amount from these properties in mutual funds with professional guidance.
5. You can chose to liquidate spare flat in Pune as well as properties do not give IRR of more than 8%.
6. $38k in 401k - means only 33 lakhs in Indian Rupee term.
Your overall accumulated corpus would be - 55 lakhs (PF) + 75 lakhs (MFs) + 1 cr (Bengaluru property) + 33 lakhs (401k) = 2.6 crores. (assuming FD for your daughter's education and marriage).
You need inflation adjusted 15 lakhs per year to meet you expenses. These savings can only cover your expenses for around 25 years (considering investment via a proper advisor). Either you have to increase your overall investments or curtail your expenses.
Kindly share more details of your FD corpus use and if you have saved for other goals as well. Also make sure to have a dedicated health insurance for yourself and family.
More details will help me to guide you in a more precise manner.
Also 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 financials look good. You are currently earning 2.2 lakhs per month and willing to retire after 3 years. Let us have a closer look:
1. Your PF - 55 lakhs is good and can cover the initial years expenses for your retirement.
2. FD - 1.4 crores. Ideally you should have 10-15 lakhs of emergency fund as your FD. You should move the entire amount into a mix of debt and balanced mutual funds. If this amount is kept aside for your daughter's higher education after 3 years, then let it remain in FD. But if not, move it to mutual funds.
3. 75 lakhs in equity and mutual funds. Direct investment in equity is not recommended as profound knowledge of fundamentals and technical is required. Hence advice you to move the amount in equity to mutual funds as you will no longer have to monitor individual stocks.
And in mutual funds - make sure you have chosen the right set of funds for your future. In this case, getting intouch with a professional is recommended as they can work wrt your goals and make a strategy to fund your retirmeent.
4. You have a flat and plot in Bengaluru. As you have planned to settle in Pune, you can sell that property to add money in your retirement fund. Invest the amount from these properties in mutual funds with professional guidance.
5. You can chose to liquidate spare flat in Pune as well as properties do not give IRR of more than 8%.
6. $38k in 401k - means only 33 lakhs in Indian Rupee term.
Your overall accumulated corpus would be - 55 lakhs (PF) + 75 lakhs (MFs) + 1 cr (Bengaluru property) + 33 lakhs (401k) = 2.6 crores. (assuming FD for your daughter's education and marriage).
You need inflation adjusted 15 lakhs per year to meet you expenses. These savings can only cover your expenses for around 25 years (considering investment via a proper advisor). Either you have to increase your overall investments or curtail your expenses.
Kindly share more details of your FD corpus use and if you have saved for other goals as well. Also make sure to have a dedicated health insurance for yourself and family.
More details will help me to guide you in a more precise manner.
Also 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 Nov 24, 2025
Asked by Anonymous - Nov 14, 2025Hindi
I am currently facing a severe debt situation. I have accumulated liabilities amounting to ₹8 lakh, while my monthly salary is ₹57,033. All of the debt has been taken from payday lenders (NBFCs) (31 lenders), and I have maintained a consistent record of timely payments without any delays. I have attempted to obtain a consolidation loan, but my applications have been unsuccessful. Debt counselling has also not provided any viable solutions, and I am under significant pressure from the lenders. I do not have any assets, and support from friends or family is not possible at this time. I would like to know whether there are any credible platforms that can provide a personal loan to help me consolidate all my existing debts into a single loan with manageable monthly EMIs.
Ans: Hi,
I'm sorry for the situation you are in. You can try the banking apps or Bajaj Finserv for one PL toconsolidate all your loans.
It will lower the burdn to manage multiple loans and you have to track only one loan, lower consolidated EMI. Try the bank in which your salary account is.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
I'm sorry for the situation you are in. You can try the banking apps or Bajaj Finserv for one PL toconsolidate all your loans.
It will lower the burdn to manage multiple loans and you have to track only one loan, lower consolidated EMI. Try the bank in which your salary account is.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Answered on Nov 24, 2025
My MF portfolio is as follows: Lumpsum investment of Rs 1 lakh in HDFC Balanced Advantage Growth Fund and 80k in ICICI Prudential Large Cap Fund for more than 2 yeras.
50k each for little over 5 months in Motilal Oswal Midcap Fund, HDFC Flexicap Fund, Quant Small Cap Fund and ICICI Prudential Large and Midcap Fund. 2 SIP's of Rs. 1k in HDFC Midcap Fund and Nippon India Small Cap Fund for more than 2 years. Does this look good.
Ans: Hi Siddhartha,
Overall fund selection looks quite disorganized and overlapping is there. All funds are randomly selected from online recommendations. Keep your funds to a maximum of 3-4 funds - 1 large, 1 mid and 1 small cap; can add HDFC Balanced fund. Thats it. No more funds.
If you are looking for long term investing with best returns, it would be wise for you to work with a professional advisor. He will work on fund selection as per your profile and monitor the performance periodically.
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)
Overall fund selection looks quite disorganized and overlapping is there. All funds are randomly selected from online recommendations. Keep your funds to a maximum of 3-4 funds - 1 large, 1 mid and 1 small cap; can add HDFC Balanced fund. Thats it. No more funds.
If you are looking for long term investing with best returns, it would be wise for you to work with a professional advisor. He will work on fund selection as per your profile and monitor the performance periodically.
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 Nov 23, 2025
Asked by Anonymous - Sep 18, 2025Hindi
Hi I am sole earner in the family with wife and two kids, my PF is 20 lakh, PPF is 10 lakh, 3 LIC endowment plan with sum assured 32 lakhs and very recent I am investing in MF.
How safe I am at the age of 38 years
Ans: Hi,
- Your PF amount looks good.
- Your 3 LIC Endowment plans - not at all recommended. Annual return - 4-5% (even less than normal FD). Consider discontinuing these policies.
- PPF - 10 lakhs. Avoid investing anything new here as it is a debt instrument. You need more exposure to equities. Hence invest only 500 in a year in your PPF to keep the account active.
- Redirect all other investments to mutual funds with aggressive return which can yield a minimum of 12-13% return per year.
- Make sure to have a dedicated term plan for yourself, and a proper health insurance for yourself and family.
- Have a proper emergency fund with you.
Work with a proper advisor to invest in mutual funds. 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)
- Your PF amount looks good.
- Your 3 LIC Endowment plans - not at all recommended. Annual return - 4-5% (even less than normal FD). Consider discontinuing these policies.
- PPF - 10 lakhs. Avoid investing anything new here as it is a debt instrument. You need more exposure to equities. Hence invest only 500 in a year in your PPF to keep the account active.
- Redirect all other investments to mutual funds with aggressive return which can yield a minimum of 12-13% return per year.
- Make sure to have a dedicated term plan for yourself, and a proper health insurance for yourself and family.
- Have a proper emergency fund with you.
Work with a proper advisor to invest in mutual funds. Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
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