Sir i completed my class 10 with 10 cgpa in 2017 and then failed in class 11 yhen completed class 12 with pcm cs with 82 percent in 2020 and then took admission ignou distance learning ba english honours where i got 57 percent that too i completed in 3.5 years because i was not able to attend exam due to fracture in my leg... Now i have no idea what should i do .. should i go for mba is it wise to even think about it

Ans: Sinuses need to have free flow of draining
Practising yoga will help in this proper drainage. Regulating breath through certain Pranayama techniques will augment healing.
Practising hummibg/Singing helps in this process too

Ans: Please have your break fast before 8/8.30 am, lunch by 1/1.30pm and dinner by 6/6.30pm.
Have 5 hrs gap between meals
Have a complex Carb and adequate good protein with break fast and lunch
Dinner meal should not have any Animal protein and fatty food

Ans: Timely meals in small portions as Breakfast, Lunch and dinner, with two snacks at mid day and mud guard evening. Early dinner before 7 pm.
Avoid animal protein and fatty food at the dinner meal

Ans: Hello, as per the data given , these are my suggestions :
1) Mid cap - 30%
2) Small cap - 30%
3) Multi cap - 20%
4) Thematic fund - 10%
5) Equity hybrid fund ( emergency fund ) - 10%

If everything is as mentioned , you should have about 1.08crs at 13%
You can aim to have a house worth 2crs - where in you can take a loan of 1.2crs for 15yrs
Where in your break up will be as follows :
Own contribution - 80L
Stamp duty - 12L
Interior cost - 25L
Loan - 1.2crs

In order to have a buffer , you should start investing more as and when your salary goes up

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

Do let me know your views on this on my LinkedIn profile, attaching my profile :
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Ans: ITR 2

Ans: Hello, glad to see that you have retired at the age of 50yrs
According to me , you can have the following strategy :
Mutual funds - 2.27crs
FD for emergency money - 25L
Gold - 20L
Stocks ( super aggressive ) - 15L

Your Mutual fund can have SWP started of 1L per month which is about 5.3% per annum
Funds that can be selected for the mutual fund portfolio :
1) Mid cap - 30%
2) Small cap - 30%
3) Multi cap - 15%
4) Large and mid cap - 15%
5) Equity Hybrid fund - 10%

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

Let me know if you want more clarity for the same on my LinkedIn Profile
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Ans: You are on the right track with your investments, and I appreciate your dedication to securing your financial future. Let's dive into your current investment strategy and see how well it aligns with your goals.

Fund Selection Analysis
You have diversified your investments across multiple funds, which is commendable. Diversification helps in managing risk and potentially improving returns. Let's break down each fund you've chosen:

ICICI Prudential Equity & Debt Fund

This is a balanced fund that invests in both equity and debt. It offers moderate risk and aims to provide growth with some stability. This fund can be a good choice for your moderate risk profile.

HDFC Balanced Advantage Fund

This fund dynamically allocates assets between equity and debt based on market conditions. It aims to minimize losses during market downturns while capturing growth during upswings. It complements your objective of protecting your corpus during turmoils.

Parag Parikh Flexicap Fund

This is a flexicap fund investing across various market capitalizations. It offers flexibility and diversification, which is beneficial for long-term growth. However, it's crucial to monitor its performance as market conditions change.

ICICI Prudential Asset Allocator Fund

This fund allocates assets dynamically among equity, debt, and gold. It aims to optimize returns while managing risks. This aligns well with your goal of growing your money while managing risks.

Quant Midcap Fund

Midcap funds can offer higher growth potential but come with increased volatility. This fund adds growth potential to your portfolio but also increases the risk. Given your moderate risk profile, it’s important to ensure this aligns with your comfort level.

SBI Gold Fund

Gold funds provide a hedge against inflation and economic uncertainty. They can add stability to your portfolio. However, their returns may not be as high as equity funds in the long term. Ensure this aligns with your growth objectives.

Assessing Alignment with Your Goals
Your aim is to accumulate Rs 50 lakh over the next 10 years with moderate risk tolerance. Let's evaluate how your current portfolio supports this:

Growth Potential

You have a mix of equity, balanced, and gold funds. Equity and balanced funds provide growth, while gold funds add stability. This mix can help in achieving your growth objective while managing risks. However, consider whether the current allocation to midcap and gold funds matches your risk tolerance and growth expectations.

Risk Management

Balanced advantage and asset allocator funds provide dynamic risk management, which is crucial for a moderate risk profile. They help in reducing potential losses during market downturns. The gold fund adds a layer of safety against economic uncertainties.

Inflation Protection

Equity funds, including the flexicap and midcap funds, generally offer returns that outpace inflation over the long term. However, midcap funds can be volatile. Ensure you are comfortable with this risk level.

Recommendations for Fine-Tuning Your Portfolio
Review Midcap Exposure

Midcap funds can be volatile. Ensure your exposure aligns with your risk tolerance. If the volatility of midcap funds concerns you, consider reducing allocation and reallocating to less volatile options.

Gold Fund Allocation

Gold funds provide stability but may not offer high returns. Review the proportion of gold in your portfolio to ensure it aligns with your growth goals. Consider maintaining a balanced exposure to gold for stability without compromising growth potential.

Regular Monitoring

Regularly review your portfolio to ensure it aligns with your goals and risk tolerance. Market conditions change, and it's crucial to adjust your investments accordingly. Regular monitoring can help in optimizing returns and managing risks effectively.

Disadvantages of Index Funds and Benefits of Actively Managed Funds
You have not mentioned index funds in your portfolio, which is good considering your objectives. Here's why actively managed funds can be more beneficial for your goals:

Active Management

Actively managed funds have professional fund managers who make strategic investment decisions. They aim to outperform the market by selecting stocks that they believe will perform well. This active approach can potentially provide higher returns compared to passive index funds.

Risk Management

Fund managers in actively managed funds actively manage risks by adjusting the portfolio based on market conditions. This dynamic approach can help in reducing losses during market downturns, which aligns with your objective of not losing a considerable corpus during turmoils.

Flexibility

Actively managed funds can adapt to changing market conditions and economic scenarios. This flexibility can be beneficial in achieving higher growth and managing risks effectively.

Importance of Professional Guidance
Your current fund selection shows a good understanding of diversification and risk management. However, professional guidance from a Certified Financial Planner (CFP) can help in optimizing your portfolio further. A CFP can provide personalized advice based on your specific goals, risk tolerance, and market conditions.

Holistic Financial Planning

A CFP can help in creating a comprehensive financial plan that covers various aspects of your financial life, including investments, insurance, retirement planning, and tax optimization. This holistic approach can ensure all your financial goals are aligned and optimized.

Regular Review and Adjustments

A CFP can help in regularly reviewing your portfolio and making necessary adjustments based on market conditions and your changing financial situation. This ensures your investments remain aligned with your goals and risk tolerance.

Peace of Mind

Working with a CFP can provide peace of mind knowing that your financial plan is managed by a professional. This can reduce the stress and effort involved in managing your investments on your own.

Surrendering LIC, ULIP, and Investment cum Insurance Policies
If you hold LIC, ULIP, or any investment cum insurance policies, it may be beneficial to review their performance and costs. These policies often come with high fees and lower returns compared to mutual funds. Consider surrendering these policies and reinvesting in mutual funds for potentially higher returns and lower costs.

Higher Returns

Mutual funds, especially equity and balanced funds, have the potential to provide higher returns compared to traditional insurance policies. This can help in achieving your growth objectives more effectively.

Lower Costs

Investment cum insurance policies often have high fees and charges. Surrendering these policies and reinvesting in mutual funds can reduce costs and improve your overall returns.

Flexibility and Transparency

Mutual funds offer greater flexibility and transparency compared to traditional insurance policies. You can choose funds that align with your goals and risk tolerance, and have better visibility into the performance and costs of your investments.

Final Insights
Your current investment strategy shows a good understanding of diversification and risk management. With a few adjustments and regular monitoring, you can further optimize your portfolio to achieve your goal of accumulating Rs 50 lakh over the next 10 years.

Consider the following steps:

Review your exposure to midcap and gold funds to ensure they align with your risk tolerance and growth objectives.

Regularly monitor and review your portfolio to adapt to changing market conditions.

Seek professional guidance from a Certified Financial Planner to optimize your investments and ensure a holistic financial plan.

If you hold LIC, ULIP, or investment cum insurance policies, consider surrendering them and reinvesting in mutual funds for potentially higher returns and lower costs.

By following these steps, you can work towards achieving your financial goals with confidence and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Hi
go with civil, it has great scope.

Ans: Hi
both are good institutions you can go ahead with Jadavpur.