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Ans: Hello, heavy investments in PPF and EPF of 30500 p.m. are going to lock your money away for 15 years at a fixed rate of income (usually 7.1%). If you are wanting to have such long-term vision to lock away funds, why not invest in equity mutual funds where you are going to make much better returns over the next 15 years (till 2040?!). I do no know what is your age today, but if you are investing in PPF I am assuming you have atleast 15 years on your life to achieve the corpus of 5Cr, so a simple SIP of 85k a month over the next 15 years which will give you returns of 15% CAGR is enough to get to 5Cr corpus.
There are still a lot of details to be factored in while planning for the retirement corpus for which I will need to have a detailed conversation with you, if you are interested as well do visit my website www.slwealthsolutions.com

Ans: Hello, you do not need to invest in RD which is transferring to PPF because that money is getting locked @7.1% for 15 years, if you wish to lock your money away for such a long time, equity mutual funds is the best place because it will generate much more returns than a fixed instrument like PPF. From your details, there's a 55k balance of which you are investing 25.5k in Mutual Funds via SIPs, 2.5k per month in RD (not required) and 4k per month in gold, there still remains some amount monthly that must be lying idle in your bank account.
To have a corpus of 5Cr in the next 17 years, you need to reshuffle your lumpsum investments (1.8L stocks, 14L FDs and 19L mutual funds totalling to ~35L) and if you can find assets that can yield a 15% CAGR over next 17 years, you should reach your goal.
I would be delighted to have a detailed conversation and help you reach your retirement goal + create your daughter's education and marriage corpus, if you are interested to have a detailed conversation as well please visit my website www.slwealthsolutions.com

Ans: Hello, you have a lot of money parked in investments that are not liquid at all. For eg, money locked in PPF, EPF (70L) is not considered a liquid asset and may pose a problem in case need arises in near future. Also, 50L in NSC/KVP, 15L in NPS and 10L in SGB are investments that are not yielding optimum returns. You have 98L worth of MFs and I'm sure you have seen the growth rate, and even after seeing that you have decided to lock your money in low yielding assets that are barely beating the inflation. Your SIP decisions of Index funds, Bluechips and Arbitrage funds are also ineffecient since you have a lot of investible time in your hand to make generational returns over long periods of time.
I understand your financial goals w.r.t to your child and retirement, but there still seems some data that may be required on my end in order to help you with apt advice about planning for the future. But as of now, from the data you have shared, I would humbly advice you to stop investing in assets that are illiquid in nature or are not yielding optimum returns for you like investments in PPF, EPF, NPS, NSC and SGBs.
I'll be very happy to discuss more with you about your scenario, and if you are interested do have a look at my website www.slwealthsolutions.com

Ans: Hey Pankaj, please revisit your decisions for LIC policy, debt fund, PPF investments since these are not investments that you do to create wealth, they will not give you apt returns to beat inflation. Please close your personal loan as soon as possible since that must be on at a very high interest rate. As far as investments are concerned, there is not enough details here for me to give apt advice to you about your situation, please visit www.slwealthsolutions.com if you are interested to have a detailed conversation.

Ans: Hi Ajay, understand the SSY and PPF are also not givin you enough returns, your SIP in index funds and FD all are ineffecient return making assets. Buying a site will not ensure liquidity when you will need it the most, and 10L health insurance for a family of 4 is low as well.
Having a constant income of 1-1.5L p.m. means annually 12-18L of income, and to have a passive income like that, your corpus should be 15-16x of the annual income --> which means we are looking at 1.8Cr to 2.7Cr of corpus in the next 5-6 years.
There are a lot of flaws in your investment strategies because at one place you are wanting to lock in money at a site, in SSY and PPF and on the other you are looking to earn 1-1.5L p.m. which is possible through liquid investments.
I would love to help you out, but to me it feels like there is a gap in the knowledge about investments and personal finance. If you are wanting to have a detailed conversation about your investments and where you can park your money to grow it to have the monthly income you want after a certain number of years, visit my website www.slwealthsolutions.com

Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

Ans: Hello, you have an income of 1.25L per month and fixed expenses of 50k a month, here I am not sure whether your monthly expenses are taken into consideration or not. I think there is some knowledge lacking on your part about investing and passive money sources. I would be very happy to help you but this will require a detailed conversation, please visit the website slwealthsolutions.com if you are interested.

Ans: Hello Thirunahari, firstly please understand the LIC policy you are investing heavily in as to what returns it is generating, is it required for a young person like you and how will it benefit you in terms of tax savings and growth in capital. As far as achieving a corpus of 2Cr is concerned in the next 10 years, assuming an annual CAGR of 15% you will have to invest 81,000 each month.
I would love to have a conversation around financial literacy with you and if you are interested as well, please visit the website www.slwealthsolutions.com

Ans: Hello Madam, firstly please review your lic policy, PPF and FD decisions ; they are dead investments which are not making you money and are stopping you from earning good returns in the name of "safety" and "diversification". You have a lot of financial goals in your life and to achieve those, you have to plan smartly. Please get in touch with a financial planner who you can trust and who will work keeping your best interests in mind.
I would love to have a detailed conversation with you to help you understand what re-shuffling can be done in terms of investments to achieve those goals, please visit www.slwealthsolutions.com if you are interested.

Ans: Hi Akash, you have decent investments but these are not enough to reach a corpus of 10Cr 15 years from now (assuming you will retire at the age of 60). My advice is to remove the money parked in EPF and VPF, along with this please sell land worth 50L. Totalling to 1.1Cr (approx) which you should invest today in an asset yielding 15% CAGR for 15 years + bump up your SIPs to 60k per month to reach to a corpus of 10Cr+ by 2040.
If you want to have a detailed conversation, please visit www.slwealthsolutions.com if you are interested.

Ans: Firstly, review your decision of having a SIP in ELSS funds since new tax regime does not give any tax deductions for the same. Your term cover is good, health insurance is also increasing so that's good, and the ULIP is also good. If you can reduce your PF contribution to the minimal amount, then do it and invest the rest in mutual funds. Other than that, you are in a good position financially. As and when your income grows, allocate money in proper financial assets to retire early.
I'd love to have a conversation with you in order to give apt advice for your particular situation, please visit www.slwealthsolutions.com if you are interested.

Ans: Hi Anurag, you have a good portfolio in terms of value. In order to retire, what is more important to understand is your monthly expenses. Ideally, you should have about 15-16x of your annual expenses. Here, your allocation of money in FD, EPF+NPS of 1.1Cr is making ineffecient returns, you can have a better asset allocation keeping in mind the risk and return trade off. You can certainly retire 9 years from now, but I think I will need more details to guide you correctly. I would love to have a conversation with you, please visit www.slwealthsolutions.com to have a detailed discussion on the same.

Ans: Hello Madam, your % of savings is amazing and kudos to you for that. I would suggest you to invest your money by way of SIPs in mutual funds for the next 10 years to enjoy optimum returns with managed risks. If you are someone from the finance field, I am sure you have enough resources to decide the funds but if you are not, I would suggest you to get in touch with a financial advisor to better plan your investments.
Visit my website www.slwealthsolutions.com and let me know if you would like to have a detailed conversation around this.

Ans: Hello, you have a good asset base which can fund your children's education. The only problem is that the assets land, and the flat holding a major value in your portfolio are not-liquid in nature; which means at the hour of need you will not be able to sell the house and land at correct price to fund the education. It is advisable to shift that money to assets that are liquid in nature and which will give optimum returns for growth in capital.
I would love to help you and have a detailed conversation with you for better, apt advice for you; please visit the website slwealthsolutions.com if you are interested.

Ans: Hello, to achieve 1.2Cr in the next 10 years, you need to have SIPs worth 50k today which will yield a CAGR of 15% to achieve the target. Another 20k SIP to achieve the 2Cr retirement target, which totals to 70k SIPs starting today. Your financials look very stable with the income you'll have, but the investment decisions w.r.t the mutual funds, the PPF and EPF are wrong since they will not yield optimum returns in the long run. As far as tax planning and safety is concerned, there are other better avenues to put your money which will be more effecient than your current decisions. Also, as far as your mutual funds are concerned, these look very "safe" and selection looks a lot based on past returns.
I would love to help you and have a detailed conversation with you for better, apt advice for you; please visit the website slwealthsolutions.com if you are interested.

Ans: Hello Ravi, you have a good family income which should support your lifestyle. However, you have a lot of your money parked in assets that are not liquid (eg. second house in Bangalore and PF) or are not yielding optimum returns (eg. LIC Jeevan Umang, PF, NPS, ICICI Annuity). Retirement planning has to be in assets that yield optimum returns to beat inflation plus grow capital at a fast rate so that there is enough corpus from which you can live off of. This is something I specialize in and if you want to have a detailed conversation with more details around your situation, I would like you to visit the website www.slwealthsolutions.com

Ans: Hello Biswadip, to compound your 35L to 1.5Cr in the next 10 years, you need to invest in an asset class that will yield a CAGR of 15.67%. This does not factor in the taxation that will be attracted with the growth in capital and the inflation factor that will eat away some part of your returns. Visit my website www.slwealthsolutions.com and let me know if you would like to have a detailed conversation around this.

Ans: Hi Yashaswi, firstly I believe you are parking money in LICs above 1L per year which is ineffecient use of money, you can have better investments which will yield better returns for your kids' education. Secondly, about your plans for the land, there has to be a goal based investment plan in place to achieve the target. You will have to back calculate to come to an investment amount that you can do per month after factoring in inflation and expected returns from the asset. Visit the website www.slwealthsolutions.com and let me know if you would like to have a detailed conversation around this :)

Ans: What is your monthly income

Ans: Put you money in equity SIP and grow your money. Since you are young you have lot many years

Ans: Take term insurance and do SIP in equity mutual funds

Ans: What is click ? Please elaborate your question

Ans: Yes it's possible to retire with 1 lakh per month but what about your other goals like education of both the children and marriage of both

Ans: Take interst free loan from family and friends

Ans: What is your age ? What is your income ? Instead of repaying loan invest the amount in equity mutual funds and let the loan repayment go on as planned

Ans: You are on the right track but make a good financial plan with help of a certified financial planner to reach to your financial goals

Ans: Why do you need SWP at such young age ? Please elaborate your question

Ans: You have 28 long years for your retirement so need to invest in equities or equity mutual fund. As far as insurance is concerned you can have term insurance and you don't need these debt schemes. To have 20 crore you need to invest lumpsum 1 cr today is equity mutual fund or SIP of 85k.

Ans: You have to first calculate the capital gains after indexation and than you can either pay tax or invest in capital gain deposits.
Sunil Lala, CFP
https://m.facebook.com/slwealth/

Ans: You have salaried/professional or business income as your loan interest will depend on that.
You don't need FD's as your investment is a long term investment.
Take maximum loan available to you as per the EMI payment.
You can get loan at 8.4/8.5% loan interest.
Sunil Lala, CFP
https://m.facebook.com/slwealth/

Ans: What is your expense on self and family and at what rate is the loan taken and the period of loan

Ans: Increase your SIP in mutual funds as with current investment of SIP you will be able to make 2.25 to 2.5 crore

Ans: Your funds are good

Ans: Increase your allocation in equity or equity mutual fund as you are too young and your goals are long term.

Ans: 2 crores

Ans: Your funds are good but you may not reach to your goal of 4 crores

Ans: What is your age

Ans: In the year of buying new house

Ans: Your SIP is 4200/- ?

Ans: You have a good balanced portfolio

Ans: Start SIP after completing your EMI, I don't know what is the meaning of peaceful retirement for you and what is your goal for marriage and education of your children

Ans: No you may not be able to reach to the corpus of 2 crores but if you wait for 15 years than its possible to reach to the target of 2 crores elso you have to double SIP amount for 10 years

Ans: To have monthly 1.5 Lakh from the age of 50 you need to have a Corpus of minimum 3 crores. To have this corpus you need to do SIP of 45K for 17 years

Ans: Put in a bank FD or in a multi asset fund of a mutual fund

Ans: Investment should be as per your goal you can convert your FD in a balanced mutual fund called equity hybrid funds or a multi asset fund

Ans: Since you are young there is no reason to keep money in fixed deposit, convert it into equity mutual funds ans since you earn 5.5 to 6 lakh a month you can start SIP in mutual funds

Ans: Start investing in equity mutual funds through monthly investment called systematic investment plan

Ans: What is your monthly expense ? What for you have taken loan ?

Ans: 25K saving per month is a good saving. Investment in equity mutual fund is advisable through SIP mode

Ans: Since you are so young than why have you kept your investment period only 10 years. Self research has limitations you meet a certified financial planner and learn properly how to create wealth