I have completed my bcom in accountancy and auditing and mba in marketing what will be option for me after my post graduation

Ans: You have done a commendable job so far.

You are just 36 years old and already earning Rs. 1.7 lakh monthly.

You are managing EMIs of Rs. 82,000. Still, you have investments and rental income.

That shows strong money discipline and financial commitment.

Let us now explore how you can plan to get Rs. 1.5 lakh per month from age 50 for 25 years.

Here is a 360-degree plan.

Please read carefully and act without delay.

Your Existing Assets – Evaluation and Assessment

– Rs. 5 lakh FD as emergency fund is a good foundation.

– Rs. 45 lakh in shares is quite high for direct equity.

– Rs. 10 lakh in ELSS mutual funds is a good tax-saving move.

– Rs. 23,000 rental income monthly adds stability.

– Rs. 60 lakh and Rs. 37 lakh loans with Rs. 82,000 EMI is a burden.

– Your age of 36 gives you 14 years to plan before age 50.

– Your goal is to generate Rs. 1.5 lakh monthly post 50 for 25 years.

– That means you need a strong retirement corpus built patiently.

– A mix of safety, growth, and cash flow is needed.

Analyse Your Income and Expense Dynamics

– Your monthly salary is Rs. 1.7 lakh.

– Rental income adds another Rs. 23,000.

– Total monthly inflow is Rs. 1.93 lakh.

– EMIs are Rs. 82,000 per month.

– That leaves Rs. 1.11 lakh surplus.

– Of this, you must allocate towards investments and insurance.

– You are in a good position to build wealth faster.

– But proper structure is missing in your current plan.

Your Direct Stock Exposure – High Risk, Needs Rebalancing

– Rs. 45 lakh in shares is a very high exposure.

– Direct equity carries volatility and concentration risk.

– This capital must be moved gradually to diversified mutual funds.

– This will give you professional fund management and stability.

– Use staggered exit over next 2 years.

– Invest this corpus into actively managed mutual funds via SIP + STP.

– Avoid index funds. They blindly track the market.

– No downside protection, no alpha generation.

– Actively managed funds give better flexibility and potential.

– Avoid direct funds too.

– Direct plans don’t offer any guidance.

– Regular plans through a CFP give you personalised support, goal tracking, and course correction.

– Investing through a CFP saves you from emotional mistakes.

– You also get help with rebalancing and exit timing.

– Choose growth-oriented hybrid, flexi-cap, multi-cap, and balanced advantage categories.

– Let each fund serve a specific purpose.

Loan Repayment – Prioritise the Strategy

– Rs. 97 lakh total loan with Rs. 82,000 EMI is steep.

– Check if any loan is for investment or luxury asset.

– If yes, consider pre-closing one loan in next 3 years.

– This will release cash flow and reduce long-term interest outgo.

– Keep the tax-benefit eligible loan (like home loan) active if affordable.

– But don’t let EMI exceed 40% of income beyond age 45.

– Use rental income to part-pay loan principal occasionally.

– You may also do annual EMI step-up based on salary increment.

– Once one loan is closed, redirect EMI amount into mutual fund SIPs.

– This will build long-term wealth faster.

Monthly Savings Deployment – Focus on Goals and Growth

– Your current surplus of Rs. 1.11 lakh should be well-allocated.

– First, ensure Rs. 15,000 goes to term insurance and medical cover.

– Take Rs. 1 Cr term plan if not already taken.

– Take Rs. 10–15 lakh family floater health policy if not taken.

– Then, Rs. 5,000 can go to life cover for spouse if needed.

– Allocate Rs. 70,000 monthly towards SIP in mutual funds.

– Keep Rs. 10,000 for annual travel and leisure goals.

– Keep Rs. 11,000 as buffer for inflation and future increases.

– Review every year and step up SIP by 10% annually.

– Use combination of equity, hybrid, and multi-asset funds.

– Align all SIPs to your retirement goal at age 50.

– Don't rely on ELSS only. Diversify across categories.

– Use goal tagging for each SIP.

– Example: Rs. 25k SIP for retirement, Rs. 15k SIP for kids’ higher education.

– This will create clarity and accountability.

Rental Income – Boost, Secure, and Optimise

– Rs. 23,000 rental income is helpful.

– See if you can increase rent by 5–8% every year.

– Keep the house in good condition to avoid vacancy.

– Review rental agreements every 11 months.

– Keep the rent money in a separate bank account.

– Use it for EMIs or investment top-up.

– Avoid reinvesting in real estate.

– Real estate is illiquid, high-maintenance, and low-yielding.

– Don’t chase new property hoping for returns.

– Use current property wisely, but don’t add more.

Target Corpus to Get Rs. 1.5 Lakh Monthly from Age 50

– You need at least Rs. 3.5 Cr to Rs. 4 Cr corpus by age 50.

– This is based on 5% annual withdrawal with inflation protection.

– This corpus can be built with consistent SIP and lumpsum investments.

– Use equity mutual funds to accumulate the major portion.

– From age 50, start SWP (Systematic Withdrawal Plan).

– Withdraw Rs. 1.5 lakh monthly from multiple schemes.

– Keep one year’s expenses in liquid or arbitrage fund.

– Replenish it every year by redeeming from growth fund.

– Don’t touch your capital unless extremely necessary.

– Let your remaining corpus grow and beat inflation.

– Review withdrawal plan every year with your CFP.

– Make it sustainable and tax-efficient.

– Also use capital gains exemptions properly.

– Be aware of the new mutual fund taxation rules.

– Equity mutual fund LTCG above Rs. 1.25 lakh will be taxed at 12.5%.

– STCG will be taxed at 20%.

– For debt funds, all gains taxed as per your income slab.

– Plan redemptions accordingly to reduce tax burden.

– Use multiple folios and timelines to optimise exit.

Kids' Education and Other Future Goals – Start Early

– If you have children, plan for their higher education now.

– Create a separate goal-based SIP of Rs. 10,000 to Rs. 15,000.

– Use child plans from mutual funds, not ULIPs or insurance-linked plans.

– ULIPs and endowments have poor returns and hidden charges.

– Surrender such plans and reinvest in mutual funds.

– This gives you better growth and liquidity.

– Tag SIP to child’s name for easy tracking.

– Adjust SIP amount based on college timing.

– Review yearly with your CFP and adjust.

Avoid the Common Pitfalls

– Don’t increase share exposure just because market is high.

– Don’t take personal loans for investing.

– Don’t rely on real estate for future returns.

– Don’t buy new insurance policies with investment angle.

– Don’t stop SIPs during market correction.

– Don’t invest in direct funds just to save commission.

– Direct funds offer no guidance.

– Regular funds through MFD with CFP give better handholding.

– You get asset allocation, discipline, and timely advice.

– Avoid NPS if you want full liquidity at retirement.

– Don’t keep too much in FD.

– Inflation eats into your returns.

– Only keep emergency fund in FD or liquid fund.

Estate Planning and Documentation

– Make a Will once you cross age 45.

– Mention nominations for all MF, FD, bank, and property.

– Keep documents in order.

– Share investment details with spouse.

– Store login credentials securely.

– Keep one person (family or CFP) informed.

– Don’t ignore this – it protects your family’s future.

Tax Planning

– Avoid over-reliance on ELSS only for Section 80C.

– You already have EMI and PF benefits under 80C.

– Use HRA, 80D (medical), and other deductions.

– Invest in growth option mutual funds.

– Plan redemptions smartly to reduce capital gains tax.

– Use staggered withdrawals.

– Use capital loss set-offs when needed.

– File taxes on time.

– Keep records of all capital investments.

Finally

You are already financially responsible.

You have income, assets, and time on your side.

But now is the time to plan properly.

Create structure.

Follow discipline.

Take action with a Certified Financial Planner.

Start by rebalancing from stocks to mutual funds.

Plan SIPs for long-term goals.

Clear one loan before 45.

Build Rs. 4 Cr corpus by age 50.

Then you can withdraw Rs. 1.5 lakh monthly for 25 years easily.

We are happy to see your proactive steps.

Stay consistent.

Stay patient.

Build your future confidently.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment