My daughter is completing her 5 years integrated M. Sc. in CELL AND MOLECULAR BIOLOGY in June- July, 2024. There is no campus recruitment and till now there is no sign of any prospect of placement. Where can she apply for a suitable placement?

Ans: Hello;

The simple interest on PFC 54 EC Capital Gain bond is currently 5.25%.

My suggestion is this is a better option then the 7.25% cumulative FD on 4 L after tax payment.

Ultimately it is his choice.

Another option is to utilise provisions of Section 54 of income tax act for seeking exemption by reinvesting LTCG in purchase of another residential property, subject to terms and conditions, but for 5 L ltcg, I do not think this is helpful.

Best wishes;

Ans: To generate a monthly income of Rs 1,00,000 through mutual funds, you need to determine the total investment amount based on the withdrawal rate and expected returns. Here's a detailed analysis:

Key Considerations
Withdrawal Rate

A safe withdrawal rate is around 4–6% annually for sustainable income.
A higher withdrawal rate risks depleting your corpus prematurely.
Investment Returns

Equity mutual funds can give 10–12% annual returns over the long term.
Balanced or hybrid funds may offer 8–10% returns with lower volatility.
Debt mutual funds typically yield 6–8% returns with stable income.
Inflation

Factor in inflation to ensure the corpus lasts through your lifetime.
Taxation

Gains from mutual funds are taxable. This affects your effective returns.
Approximate Corpus Needed
1. Using a 6% Withdrawal Rate
Monthly income required: Rs 1,00,000
Annual income required: Rs 12,00,000
Corpus needed: Rs 12,00,000 ÷ 6% = Rs 2 Crores
2. Using a 4% Withdrawal Rate
Monthly income required: Rs 1,00,000
Annual income required: Rs 12,00,000
Corpus needed: Rs 12,00,000 ÷ 4% = Rs 3 Crores
Recommendations
Invest in Diversified Funds

Allocate your corpus across equity, hybrid, and debt funds.
Equity for growth, debt for stability, and hybrid for balance.
Use SWP (Systematic Withdrawal Plan)

SWP allows you to withdraw a fixed amount monthly.
It ensures steady cash flow without disturbing the investment.
Reassess Periodically

Review returns, inflation, and withdrawal rate annually.
Adjust withdrawal amount to maintain corpus longevity.
Plan for Taxes

Consider the impact of LTCG and STCG taxes on withdrawals.
Equity mutual funds' LTCG above Rs 1.25 lakh is taxed at 12.5%.
Include an Emergency Corpus

Keep 6–12 months’ expenses in a liquid fund.
Avoid dipping into your main corpus for emergencies.
Final Insights
To get Rs 1,00,000 monthly, aim for a corpus of Rs 2–3 crores. Choose mutual funds that align with your risk tolerance and income needs. Start with a Certified Financial Planner to tailor a portfolio for sustainable income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Hello;

If you have invested in these funds with long-term horizon then they seem to be inline with your goal and risk appetite.

Continue investing with annual review of performance.

Best wishes;

Ans: Dear Anonymous,
I am sure that you understand this: She has had an organ transplant which can be a very frightening experience. What she may need is more love, attention and a lot of joy and cheer around her. Don't judge her actions BUT make sure that you fill her space with love and care. I am sure once she realizes that you truly care for her, she will start to feel different and not be angry or upset with you. The fear that she may carry around her surgery will be replaced by that love and care.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
Legally, this may not be possible...So, this will continue like this till you are confronted with by your wife. The lay's ex-husband may not bother as they are already divorced BUT you have a lot of explaining to do to your wife. Better to think this through as you are surely risking your marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Sudharsan,
What is your question for me? I think what you need is possibly a legal expert. Kindly seek one and he/she will guide you on the next steps since your wife has been dragging the case for a while now...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
Your note: I still care and love my wife...
If this were true, what would be the reason to waver and find all this infatuation boosting you to do more. It's the excitement that is the catalyst, the excitement that you possibly miss with your wife. You still care and love her, then invest time in actually building that excitement with her...it will be very fulfilling...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
So, let them work on an arrangement where she can go along with them to visit her in-laws maybe once or twice a month instead of every weekend? She obviously cannot avoid them and neither can she ask her husband to not visit his parents. So, let him go visit them every weekend, but since she finds it exhausting, she can work out something and choose her number of visits to them.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
It seems to me like your wife is quite comfortable with the current situation. So, it's up to now to handle the conflicts that you are facing.
If you want to leave your job, why do you need to persuade your wife to allow you to do that especially if you are financially stable and secure?
Before taking any major life-changing decisions, take a break from work, travel, socialize, spend time with the family, engage in new pursuits and see if anything new comes up...what excites you? What can you do with that excitement? Can you create something new with it? Does it force you see something different or change the course of your job, your life?
Unless you don't take that moment to STOP and experience something different, you will not allow yourself to have choices. So, build choices and build different ways of thinking and that will enable you to move from frustration to transformation. Take that first step, take a BREAK!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io