Sir I have done masters in Electronics and got regular job after 1.5 years of gap in computer science labs age 33 now.what are the career options if i want to switch in MNCs

Ans: Your detailed portfolio and thoughtful concerns reflect a proactive approach to financial management, especially considering your semi-retired status and responsibilities towards your children's future. Let's delve into your current situation and chart a course forward.

Assessing Asset Portfolio
Your asset allocation showcases a well-diversified portfolio, encompassing cash, real estate, mutual funds, equity investments, and Sovereign Gold Bonds (SGBs). This diversified approach provides stability and growth potential across various asset classes.

Analyzing Returns and Expenses
Generating a healthy XIRR of 12-15% from your mutual funds and equity investments is commendable, indicating sound investment decisions and portfolio management. Your yearly expenses of 12 lakhs are well within your means, ensuring financial sustainability.

Planning for Future Expenses
With children's education and marriage on the horizon, it's prudent to strategize to meet these financial obligations. Assessing the projected costs and timelines for these expenses will facilitate effective planning and allocation of resources.

Real Estate vs. Equity Investments
Considering the illiquidity and management overhead associated with real estate, it's worth evaluating whether divesting from some properties and reallocating the proceeds into the equity market aligns with your goals and risk appetite. Equity investments offer liquidity, potential for higher returns, and ease of portfolio management.

Crafting a Strategic Approach
Review Real Estate Holdings: Assess the performance and potential of each property in your portfolio. Consider divesting from underperforming or non-strategic properties to unlock liquidity and rebalance your portfolio.

Allocate Proceeds: Allocate the proceeds from real estate divestment strategically, considering your risk tolerance, investment horizon, and financial goals. Diversifying into mutual funds, direct equity, or other investment avenues can optimize returns and align with your objectives.

Monitor and Adjust: Regularly review your portfolio performance, expenses, and financial goals. Adjust your asset allocation and investment strategy as needed to adapt to changing market conditions and life circumstances.

Conclusion
Your conscientious approach to financial planning and investment management lays a strong foundation for achieving your future goals and aspirations. By reassessing your asset allocation, strategically divesting from real estate, and optimizing your investment portfolio, you can further enhance your financial well-being and secure a prosperous future for yourself and your family.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in

Ans: Embarking on a systematic investment plan (SIP) is a prudent step towards securing your future and your children's education. Let's tailor a strategy that aligns with your objectives.

Understanding Investment Allocation
Diversification is key to mitigating risk and maximizing returns over the long term. Distributing your SIP amount across multiple funds offers a balanced approach to wealth accumulation.

Fund Allocation Recommendations
For a SIP of 10,000 per month, consider allocating funds across two carefully selected categories: Large Cap and Mid Cap.

Large Cap Funds
Investing a significant portion, say 70%, in Large Cap funds provides stability and steady growth. These funds typically invest in established companies with a track record of performance and stability.

Mid Cap Funds
Allocating the remaining 30% to Mid Cap funds introduces an element of growth potential. Mid Cap funds invest in companies with medium market capitalization, offering the opportunity for higher returns over the long term.

Fund Selection Criteria
Opt for actively managed funds with a proven track record of consistent returns and experienced fund managers at the helm. Prioritize funds with low expense ratios and a focus on capital preservation.

Conclusion
By diversifying your SIP across Large Cap and Mid Cap funds, you strike a balance between stability and growth potential, aligning with your long-term goals of retirement and children's education.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in

Ans: Understanding your financial situation, aspirations, and concerns is crucial to charting a path towards a comfortable retirement. Let's delve into your query.

Given your current annual expenses of 25 lakhs, extending this lifestyle into retirement necessitates a sizable corpus to sustain it over the years.

Evaluating Current Corpus
Your existing corpus of 3.2 Crores is commendable, laying a strong foundation for retirement planning. It reflects prudent financial management and diligent saving habits.

Estimating Retirement Corpus
To retire at 45 with a similar lifestyle, we need to factor in inflation, healthcare costs, and unforeseen expenses. Considering a life expectancy of 85 years, a conservative estimate suggests a corpus of around 8.5 Crores.

Closing the Gap
With a current corpus of 3.2 Crores, you're approximately 5.3 Crores short of the required amount. This gap underscores the importance of robust financial planning and strategic investment decisions.

Crafting a Strategy
To bridge this gap, we can explore avenues like systematic investment plans (SIPs) in diversified equity mutual funds, which historically offer higher returns over the long term. Additionally, optimizing tax-saving instruments can enhance your savings rate.

Conclusion
Retiring at 45 is an ambitious yet achievable goal given diligent planning and disciplined execution. Your proactive approach to seeking financial advice is commendable, and I'm confident that with the right strategies in place, you can realize your retirement dreams.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in

Ans: Have a conversation and kill the ego and work on your anger - this is for both. all the best

Ans: depends on your objective and time horizon?

Ans: Capital Gain is 457350 and tax is @20% so Rs. 91470/-

Ans: Increasing Revenue every quarter for the past 2 quarters
Increasing profits every quarter for the past 2 quarters
Strong cash generating ability from core business - Improving Cash Flow from operation for last 2 years
Annual Net Profits improving for last 2 years
Hold

Ans: what is your objective behind investing in this fund and how long are you going to invest

Ans: Dear Anonymous,
You are taking an emotional stance on this and your wife is on a fear-ridden path...both of you are not wrong BUT is it possible to agree to what your wife is saying and yet not lose your brother's favor. Then you will have nothing to lose and everything to gain.
Separate finances keeps relationships healthy and we have enough evidence where mixing financial matters and personal stuff can get messy...
There is nothing emotional about it, so think of the future...it's better to be safe and he's your brother...I am sure that he will understand...I have a question for you though: Why is it so important for you to have your brother's presence in buying the house? What will happen if you go ahead by yourself just like he can go ahead himself?
There are other things that you can share like going on holidays together, family gatherings, doing some charitable work together...
Prioritize relationships over finding what ties them...and your brother is not married...his future bride may not like the arrangement as well and then it will be one big mess to separate things...
Better keep things separate now than later...mending scars is more difficult than making a sane decision now...

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