My daughter has cleared NEET in her 4th attempt. I am worried that it is too late for her to start MBBS as it is a long course like MBBS and then MD. She is ready to join medical college. She is almost 22. Is this the right age to start MBBS. She is already doing BSC. I advise her to do some other course like complete BSC and then do some post Grad course. Kindly advise. Thanks.

Ans: Follow the website of the exam authority. Professor

Ans: Please search in net. I am not the right person to guide you about exam date. Be in touch with the exam authority. Best of luck. Just follow me. May God Bless You. Professor..................................:)

Ans: Hello;

Higher interest rates are always associated with higher risks.

Return of Capital is more important than return on Capital.

Make your FDs with big Govt banks or large private banks of repute.

Best wishes;

Ans: Yes after introduction of corporate tax, for future period they will not provide TRC. In case of our client, we have received TRC in March 2024.

Ans: Hello;

Request you to please rephrase your question and submit again.

Thanks;

Ans: Hello, sorry to hear about your breast cancer, but the best part is breast cancer is curable
Since you are 32 years of age, and you might undergo chemo, radiotherapy which might affect your fertility. So best option is to undergo egg freezing.
Before we start the procedure, we need to know your AMH level (to know your ovarian reserve) and basic blood work up to get your fitness fir the procedure
The procedure normally needs first 15 days of your cycle where you will need to undergo 3 to 4 scans to monitor the egg growth (follicle growth) and injections from day 2 of your periods till the eggs grow and mature
These injections are safe in form of LH OR FSH hormone. It can sometimes cause
Nausea vomit, constipation, mood swings, low abdominal heaviness, breast tenderness.
These are experienced by some.
Once you are ready then you will be admitted as day care procedure and egg retrieval done under short anesthesia. You will be able to go home in 6 to 7 hours.
During this period of stimulation, you can do regular routine work.
Zumba, jumping and heavy activities avoided during stim.
So, freezing your eggs now is a better. Option
If you delay further the quality and quantity of eggs gets hampered.

Ans: Investing for one year requires a strategy prioritising safety, liquidity, and reasonable returns. Let us explore suitable options and their benefits.

Understanding Short-Term Investment Needs
Time Frame: One year or less.
Objective: Generate good returns while ensuring minimal risk.
Considerations: Tax implications and ease of withdrawal.
Recommended Investment Categories
1. Debt Mutual Funds
Why Choose: These funds invest in fixed-income securities.
Benefits: Stable returns with low risk.
Ideal Types: Ultra-short duration funds or low-duration funds.
Taxation: Gains taxed as per your income slab.
2. Fixed Deposits with Banks
Why Choose: Bank FDs are a secure option for short-term needs.
Benefits: Guaranteed returns with no market risk.
Interest Rate: Competitive for one-year tenure.
Taxation: Interest is added to taxable income.
3. Arbitrage Funds
Why Choose: These funds leverage market inefficiencies.
Benefits: Tax-efficient returns with minimal risk.
Taxation: Treated as equity funds.
4. Recurring Deposits (RDs)
Why Choose: RDs are suitable for disciplined savings.
Benefits: Fixed returns with no market risk.
Taxation: Interest is taxable.
Why Avoid High-Risk Investments
Short-term investments should prioritise stability.
Equity-oriented investments are volatile in the short term.
High returns come with higher risks, unsuitable for one year.
Active Management vs Index Funds
Avoid Index Funds: These are passive and less flexible for short durations.
Prefer Actively Managed Funds: Fund managers actively optimise returns.
Tax-Efficient Withdrawals
Plan withdrawals to minimise tax liability.
Consider funds with indexation benefits for long-term tax efficiency.
Steps to Start
1. Choose the Right Platform
Invest through an MFD with CFP credentials.
Avoid direct funds for better support and advice.
2. Allocate Wisely
Diversify across debt funds, FDs, and arbitrage funds.
Ensure balance between risk and return.
3. Monitor Regularly
Track fund performance to ensure expected returns.
Be prepared to shift if performance lags.
4. Plan for Reinvestment
At the end of one year, assess gains.
Reinvest in suitable options to maximise growth.
Finally
Short-term investing needs careful selection of options that balance safety and returns. Choose debt mutual funds, bank FDs, or arbitrage funds to meet your objective. Avoid equity-oriented investments for one year. Consult a Certified Financial Planner for tailored guidance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Your portfolio reflects a well-diversified approach with funds spanning across large-cap, mid-cap, small-cap, focused, and contra strategies. Let us evaluate each fund's role in your portfolio and suggest improvements for optimal long-term growth.

Evaluating Your Current Funds
Large-Cap Fund (SBI Blue Chip)
Role: This fund focuses on large, stable companies, offering steady growth and low volatility.

Suitability: Suitable for stability and consistent returns over the long term.

Recommendation: Continue investing. Ensure it aligns with your risk appetite and growth goals.

Contra Fund (SBI Contra)
Role: Contra funds invest in undervalued stocks, aiming to deliver above-average returns.

Suitability: These funds can be volatile but reward patient investors over the long horizon.

Recommendation: Retain if you understand its contrarian approach and higher risk.

Focused Fund (HDFC Focused 30)
Role: Focused funds concentrate on a limited number of stocks for potential high returns.

Suitability: Ideal for investors seeking higher growth with a medium-to-high risk appetite.

Recommendation: Retain but review periodically to ensure it outperforms benchmarks consistently.

Mid-Cap Fund (HDFC Mid Cap)
Role: Mid-cap funds invest in medium-sized companies with high growth potential.

Suitability: Balances your portfolio by combining moderate risk and potential high returns.

Recommendation: Continue investing if you can manage its inherent volatility.

Small-Cap Fund (SBI Small Cap)
Role: Small-cap funds focus on smaller companies with high growth potential but high risk.

Suitability: Adds aggressive growth to your portfolio but requires a longer time horizon.

Recommendation: Retain but monitor performance and ensure you can withstand its volatility.

Strengths of Your Portfolio
Diversification: Covers multiple market segments and strategies.

Growth Potential: Mid-cap and small-cap funds offer high growth opportunities.

Balanced Risk: Large-cap and contra funds provide stability.

Areas for Improvement
Overlapping Strategies: There might be stock overlap between funds, leading to redundancy.

Performance Monitoring: Ensure all funds outperform their benchmarks consistently.

Tax Efficiency: Plan withdrawals strategically to minimise capital gains tax impact.

Recommendations for Changes
Consider a Multi-Cap Fund
Multi-cap funds dynamically allocate assets across market capitalisations.

Adding one can further diversify your portfolio while reducing overlaps.

Replace Underperforming Funds
Track performance regularly. Exit funds that consistently underperform for three or more years.
Seek Professional Guidance
Work with an MFD and a Certified Financial Planner to review and optimise your portfolio.

Regular guidance ensures alignment with your financial goals.

General Investment Tips for a 10-15 Year Horizon
Stick to Disciplined Investing
Continue SIPs and avoid emotional decisions during market fluctuations.

Long-term investing smoothens volatility and compounds wealth.

Rebalance Portfolio Periodically
Reallocate funds based on market trends and personal financial changes.

Maintain an asset allocation suited to your risk profile and goals.

Review Tax Implications
Equity funds have favourable tax treatment for long-term gains.

Plan withdrawals smartly to minimise tax liability under the latest tax rules.

Build an Emergency Fund
Maintain a liquid fund for at least 6–12 months of expenses.

This ensures you don’t disrupt investments for short-term needs.

Finally
Your current portfolio has strong growth potential with a 10-15 year horizon. Retain most funds but monitor performance regularly. Add a multi-cap fund for better diversification and review overlaps.

Work closely with a Certified Financial Planner to optimise and align your portfolio for your financial aspirations. Your disciplined approach and long-term vision will ensure financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You have taken a solid step by investing in mutual funds. Let’s assess your portfolio for alignment with your Rs. 2 crore goal by 2035.

Analysing Fund Selection
Parag Parikh Flexi Cap Fund
A flexi cap fund is suitable for long-term growth.

It provides exposure to multiple market segments and geographies.

Tata Small Cap Fund
Small-cap funds can deliver high returns but carry high risk.

Keep exposure limited to control portfolio volatility.

Mirae Asset ELSS Tax Saver Fund
ELSS funds are excellent for tax-saving under Section 80C.

They also provide equity exposure with a lock-in period of 3 years.

PGIM India Midcap Opportunities Fund
Mid-cap funds balance growth potential and risk.

It fits well for wealth creation over 10+ years.

Quant Infrastructure Fund
Sectoral funds like infrastructure are highly volatile.

Limit their allocation to avoid concentrated risk.

Quant Small Cap Fund
Small-cap funds should be balanced with large-cap or flexi-cap funds.

Diversify further to mitigate risks.

Quant Active Fund
This multi-cap fund offers flexibility in stock allocation.

It can complement other diversified funds in your portfolio.

Quant Absolute Fund
Balanced funds can provide stability to a portfolio.

Use these for moderate growth with reduced risk.

Portfolio Observations
Strengths
Good mix of diversified equity funds and mid-cap options.

Includes ELSS for tax savings.

Concerns
High allocation to small-cap and sectoral funds increases portfolio risk.

Quant funds dominate, reducing diversification across fund houses.

Suggested Portfolio Adjustments
Reduce Small-Cap Exposure
Retain one small-cap fund, preferably Tata Small Cap.

Exit the Quant Small Cap Fund to reduce concentrated risk.

Diversify Fund Houses
Choose funds from varied AMCs for better risk distribution.

Avoid over-reliance on a single fund house like Quant.

Add Large-Cap Focus
Include a large-cap or large and mid-cap fund for stability.

These funds are essential for balancing risk.

Utilising the Additional Rs. 1 Lakh Annually
Lump Sum in Mutual Funds
Invest the amount in existing equity funds systematically.

Distribute it across balanced and large-cap funds.

Consider Hybrid Funds
Hybrid funds offer equity growth with debt stability.

Allocate Rs. 50,000 annually to a good hybrid fund.

Emergency Fund
Build an emergency fund covering 6-12 months of expenses.

Use liquid funds or fixed deposits for this purpose.

Health Insurance Top-Up
Increase health insurance coverage if necessary.

Ensure sufficient coverage for medical emergencies.

Tracking and Adjusting Your Investments
Annual Portfolio Review
Monitor fund performance regularly.

Exit consistently underperforming funds to optimise returns.

Rebalancing
Adjust your equity and debt exposure annually.

Maintain the desired asset allocation for your goals.

Tax Implications and Planning
ELSS Tax Benefits
Continue with ELSS investments for Section 80C deductions.

Redeem matured ELSS funds and reinvest to extend benefits.

Long-Term and Short-Term Capital Gains
LTCG above Rs. 1.25 lakh is taxed at 12.5%.

STCG is taxed at 20%. Plan withdrawals wisely to minimise taxes.

Estimating Rs. 2 Crore Corpus by 2035
Your Rs. 36,000 SIP is a significant step toward this goal.

Stay disciplined with investments to capitalise on compounding.

Use the additional Rs. 1 lakh annually to accelerate corpus growth.

Final Insights
Your portfolio needs minor adjustments for better risk management. Focus on diversification, balancing equity and debt, and tracking performance. Stay consistent with your SIPs, and your Rs. 2 crore target by 2035 is achievable.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment