Hello, I am 44 years old and working in the govt.sector on contract basis. I have a technical background with mca degree an worked for 3 years in the technical line as a technical support and network operations initially before moving to non-tech fields. I also have some gaps in my work career. I am interested in upskilling and switch to data science/AI or cybersecurity. Is it a good choice to transition at this point into these careers and will the jobs in the field offer stability.

Ans: Kartik, I hope you have completed the JEE Main 2026 January session examination and reviewed your performance against the available answer keys to assess your preliminary JEE Advanced eligibility prospects. Regarding your eligibility question, please note that the isolated Marathi marksheet from the Maharashtra State Board is fully valid for JEE examination purposes. Both your February and June examination marksheets hold equal validity. I recommend requesting an updated aggregate certificate from the Maharashtra Board, or alternatively, combining both marksheets into a single consolidated PDF file for the document verification process. Your eligibility will not be questioned if you maintain comprehensive, proper documentation throughout the verification process. I strongly suggest exploring 4-5 backup options through alternative engineering entrance examinations such as MHT-CET, SET-E, COMEDK, Amrita's, MET, VITEEE etc., rather than relying exclusively on JEE as your sole pathway. Additionally, if possible and affordable, I encourage you to attempt a comprehensive psychometric assessment to identify the most suitable career options aligned with your aptitude, interest inventory, personality characteristics, and professional orientation style preferences. All the BEST for a Prosperous Future!

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Ans: 01. What I can suggest is that an individual who is not expert with Equity Market should avoid over exposure to investments in this segment. In cases like this, I would suggest to make your investments in MUTUAL FUNDS instead. You may consider shifting from Equity to Mutual Funds, in phased manner.
Investment in precious metals (Gold & Silver) is very attractive today. It may continue to be so till International environment/conditions are uncertain or unpredictable. Present indication does not support stable International economies, so I feel strongly, that precious metals may keep an upward trend. But shifting all your funds to this segment is again not advisable. Keep your investment portfolio diversified, keeping some percentage of your investments in easily liquid conditions.
Real Estate is also another good option, but small funds cannot be parked in this segment.
Most Welcome for further clarifications, if any. Thanks.

Ans: Since the investments being made are from you income sources exclusively, you will be liable to pay income tax on it. Here, i suppose that your wife is not earning or paying income tax separately.
Most Welcome for further clarifications, if any. Thanks.

Ans: 01. I suppose, both of you received Rs.3 to Rs.6 crores each (may correct the figures, if wrong).
02. I also suppose that the inherited property sold is either Residential or Commercial.
03. You can plan your tax liability by investing the amount in RESIDENTIAL PROPERTY ONLY. The purchased Residential property should be within time limits, i.e., with in One Year before or within 2 Years after sales. You can also construct the Residential house within a period of 3 years after sales.
04. The amount invested should not be less than Capital Gain, to get full benefit. If the amount invested is less than capital Gain , then you will entitled to proportionate benefit & would be liable to LTCG on balance amount.
05. You can definitely invest in precious metals (Gold or Silver) or in Agriculture Land, but no tax benefit will be there.
06. It is advisable to make the investments in the names of both beneficiaries seperately. However, you may add the name of other spouse additionally as a second holder.
Most Welcome for further clarifications, if any. Thanks.

Ans: You are thinking responsibly. Asking this question itself shows maturity and awareness. A sudden Rs 1 crore inflow during a financial crisis can solve the problem, only if it is handled with clarity and discipline.

» First understand the nature of the Rs 1 crore
– Is this money received as inheritance, insurance claim, bonus, business sale, or asset liquidation
– Is the crisis short-term (medical, business loss, job loss) or long-term (debt overload, income mismatch)
– Do not rush to use the full amount immediately

Clarity first, action later.

» Priority-based usage of the Rs 1 crore
– Medical emergencies should be settled immediately
– High-interest personal loans and credit card dues should be cleared first
– Business or income-stopping issues should be stabilised next
– Do not deploy money emotionally or under pressure

The aim is stability, not quick fixes.

» How to pay liabilities smartly
– Clear unsecured and high-cost debts fully
– Avoid closing long-term low-cost loans in one shot
– Keep sufficient liquidity for next 12 months
– Do not exhaust the full Rs 1 crore at once

Liquidity gives confidence during crisis.

» Protection before investment
– Ensure adequate health insurance is active
– Ensure sufficient pure life insurance cover
– Emergency fund must be parked safely

Without protection, another crisis can repeat.

» Where not to put this Rs 1 crore
– Do not put entire amount in equity at one time
– Do not chase high-return promises
– Do not lock full money in illiquid products
– Do not mix insurance and investment

Safety first, growth later.

» How to deploy the balance amount
– Keep part of money in low-risk instruments for stability
– Invest remaining amount gradually into equity-oriented options
– Use phased investing instead of lump sum
– Choose actively managed funds due to flexibility and downside control

Active management matters more during uncertain times.

» Tax awareness while using the money
– If you sell investments to manage crisis, tax may apply
– Equity short-term exits attract higher tax
– Plan withdrawals in a tax-aware manner
– Avoid unnecessary churn

Taxes silently reduce available money.

» Emotional discipline during crisis
– Crisis creates fear-based decisions
– Money received suddenly can disappear fast without plan
– Write down priorities before spending
– Review every big payment calmly

Money solves crisis only when mind is steady.

» Finally
– Rs 1 crore is a powerful support, not a permanent solution
– Use it to restore stability, not lifestyle
– Protect, stabilise, then grow
– A structured plan converts crisis money into long-term security

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: You have done well by staying invested for 8–9 years. That itself shows discipline and patience. Temporary negative returns can shake confidence, but they do not erase your long-term effort. Your question is valid and many long-term investors are thinking the same.

» Understanding what is happening now
– You started these SIPs only from June 2024
– The investment period is still short
– Mid and small segments are more volatile
– Recent market corrections have hit these segments more

Negative returns in the first 1–2 years are not unusual in such funds.

» About strategy-driven funds and future visibility
– These funds follow a fast-changing investment style
– They may move sharply up and down
– Performance comes in phases, not steadily
– When the market does not suit the strategy, returns can stay weak

This does not mean the strategy has failed, only that the cycle is not supportive right now.

» Evaluating your small-cap SIP
– Small-cap investing needs long holding capacity
– Minimum useful horizon is 7–10 years
– SIPs during weak phases help lower average cost
– Stopping SIP after a fall usually hurts future returns

If this SIP is meant for long-term goals, it should continue.

» Evaluating your mid-cap investment
– Mid-cap funds usually recover faster than small caps
– Holding without SIP still allows recovery participation
– No urgency to exit just because current returns are negative
– Selling now converts temporary loss into permanent loss

Holding patiently is better than reacting emotionally.

» Should you withdraw now
– Withdrawing after recent decline locks in loss
– You miss recovery when the cycle turns
– Taxes may also apply depending on holding period
– Decision should be goal-based, not return-based

Exit only if the fund no longer fits your goal or risk level, not due to short-term pain.

» What you should do instead
– Continue SIP in small-cap if goal horizon is long
– Keep mid-cap investment and review annually
– Avoid frequent switching based on 6–12 month returns
– Ensure these funds are not too large a part of total portfolio

Balance and patience matter more than timing.

» Risk control and portfolio view
– Mid and small caps should not dominate portfolio
– Large and flexible equity styles add stability
– Debt and gold bring balance during equity stress
– Asset allocation should guide decisions, not fund performance

A calm structure reduces future stress.

» Tax angle to remember if you sell
– Equity selling within short term attracts higher tax
– Long-term gains above Rs 1.25 lakh are taxable
– Unplanned exits increase tax leakage

Tax should not be the main reason to stay or exit, but it must be considered.

» Finally
– Your investing habit is strong
– Current underperformance is a phase, not a verdict
– Staying invested usually rewards patience
– Review with a clear goal lens, not daily NAV movement
– Long-term wealth is built by staying calm during such periods

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: bandh kar do, investment aur insurance ko kabhi bhi mix nahi karna chahiye

Ans: kfintech se connect kijiye, wo aapko sahi mulya batayenge

Ans: I appreciate your ambition and honesty. Big goals give direction in life. At the same time, financial planning works best when dreams are aligned with mathematical reality. This clarity will protect you from disappointment and wrong decisions.

» First, understand the gap between goal and capacity
– Your desire is Rs 100 crore in 10 years
– Your current investment capacity is Rs 25,000 per month
– This goal cannot be achieved through normal investing routes
– Even very high market returns cannot bridge this gap

This is not about lack of effort, but about scale.

» Why Rs 100 crore in 10 years is not realistic with SIP investing
– SIP works well for wealth creation, but needs time and higher capital
– Markets do not give miracle returns consistently
– Anyone promising such growth is misleading you
– Chasing such promises usually leads to losses or fraud

Being realistic is the first step to becoming truly wealthy.

» What Rs 25,000 monthly investment can actually do
– It can build strong long-term financial security
– It can help you reach crores over a longer time
– It can give freedom, stability, and dignity
– It can change your family’s financial future

This is powerful, even if it is not Rs 100 crore.

» If Rs 100 crore is your life dream, what must change
– Investment alone is not enough
– You need income growth, not just savings
– Business ownership, entrepreneurship, or equity participation is required
– Your earning capacity must multiply many times

Wealth of this scale comes from value creation, not SIPs.

» Where investing still plays an important role
– Investing protects and grows surplus money
– Mutual funds help compound wealth over time
– Actively managed mutual funds are suitable for disciplined growth
– SIPs build habit and long-term discipline

Investing supports wealth; it does not replace income growth.

» A practical and healthy approach going forward
– Continue SIP of Rs 25,000 consistently
– Increase SIP amount whenever income increases
– Focus on skill growth and career expansion
– Explore additional income streams carefully
– Avoid shortcuts and unrealistic return expectations

This path builds real and lasting wealth.

» What you must strictly avoid
– Avoid schemes promising guaranteed high returns
– Avoid trading or speculation to chase big money
– Avoid borrowing to invest for unrealistic goals
– Avoid comparing your journey with social media stories

Peace of mind is also wealth.

» Finally
– Rs 100 crore in 10 years is not achievable with Rs 25,000 monthly investment
– This truth protects you from financial harm
– Focus on increasing income and steady investing
– Build achievable milestones first
– Wealth is a journey, not a single number

If you stay disciplined, informed, and patient, your financial life will still be successful and stress-free.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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