Hello sir, my age is 43 & I am a b.com graduate, currently working in an mnc since last 8 years in back office document management profile with around 50000 in-hand salary. I have total experience of 11 years in same profile. I am searching for new job since last 1-2 years but not getting it in similar profile as companies are preferring persons with less salary/experience for this work. Please advise shall I try for data analysis/PMO profile in IT sector by doing some courses & if it's possible/advisable at my age with non technical degree & non relevant experience. Is there any other field you can advise where I can get similar salary. Thanks for your help in advance. Wish to be Anonymous.

Ans: Bear markets can be quite unpredictable, but historically, they've lasted around 9.5 months on average. However, this can vary significantly, with some lasting as short as a few months and others extending over a year. Reason for present volatility is as follows:
1) Change in GDP growth and Inflation uncertainty
2) High Interest Rates
3) Geopolitical Events
4) Bad market sentiments due to higher taxes and valuation concerns
5) Low corporate earnings

Ans: the future is not looking good:
Companies with growing costs YoY for long term projects
Annual net profit declining for last 2 years
Expensive Valuation
High promoter stock pledges

Ans: for a horizon of 5yrs these look good, hold it.

Ans: Thank you so much for your heartfelt appreciation. It means a lot to me that my efforts in simplifying financial matters are making a positive impact. Your kind words truly inspire me to continue delivering valuable insights and guidance.

If you ever need assistance or have any queries, feel free to connect. I’m here to support you in your financial journey.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: To achieve a sustainable monthly withdrawal of Rs. 2 lakh (Rs. 24 lakh annually), we need to identify the right mix of investments and expected returns. Let us create a detailed framework.

1. Factors to Consider Before Investing
Time Horizon: You plan to start investing after a year. This delay impacts your compounding benefit, but planning ahead mitigates it.

Expected Rate of Return (ROI): Different instruments offer varied returns. Diversification ensures both growth and stability.

Withdrawal Feasibility: Sustainable withdrawals depend on balancing withdrawals with corpus growth.

Inflation Impact: Investments must generate returns above inflation to preserve corpus value.

Risk Appetite: Choose instruments aligning with your comfort towards volatility.

Tax Efficiency: Optimise your withdrawals and investments for better post-tax returns.

2. Expected ROI for Investment Options
Here is the expected ROI and rationale for different asset classes:

Actively Managed Equity Mutual Funds

Allocation: 50% of the corpus
Expected ROI: 12% annually
Rationale: These funds provide high returns and help beat inflation over the long term.
Debt Mutual Funds

Allocation: 30% of the corpus
Expected ROI: 7% annually
Rationale: These offer stability with moderate returns and are suitable for regular withdrawals.
Fixed-Income Instruments (e.g., FDs, SGBs)

Allocation: 15% of the corpus
Expected ROI: 6-7.5% annually
Rationale: Secure returns with no market risk. Ideal for stability.
Liquid Mutual Funds

Allocation: 5% of the corpus
Expected ROI: 4-5% annually
Rationale: Quick access for emergencies or interim cash flow needs.
3. Corpus Required for Rs. 2 Lakh Monthly Withdrawal
Corpus Based on ROI
At 8% ROI: A corpus of Rs. 3 crore is required.
At 9% ROI: A corpus of Rs. 2.66 crore is required.
At 10% ROI: A corpus of Rs. 2.4 crore is required.
The corpus requirement reduces with higher returns but increases risk exposure.

Building the Corpus Over One Year
If the funds are idle for a year, invest them in liquid mutual funds temporarily. These yield 4-5% with low risk.
Use Systematic Transfer Plans (STPs) to gradually move funds into equity and debt over 12-18 months.
4. Investment Plan for SWP
Equity Mutual Funds (50% Allocation)
Allocate Rs. 1.5 crore to equity funds.
Delay SWP for at least three years to allow growth.
Equity funds ensure high long-term returns, reducing inflation's impact.
Debt Mutual Funds (30% Allocation)
Allocate Rs. 90 lakh to debt funds.
Start SWP immediately from this portion.
These funds provide stable returns and low volatility.
Fixed-Income Instruments (15% Allocation)
Allocate Rs. 45 lakh to secure instruments like FDs or Sovereign Gold Bonds.
Use these funds for stability and emergencies.
Liquid Mutual Funds (5% Allocation)
Allocate Rs. 15 lakh to liquid funds.
Use these funds for interim liquidity needs and to manage cash flow gaps.
5. Steps for Efficient Withdrawal
Start withdrawals from debt and liquid funds first. Let equity funds grow for 3-5 years.
Monitor returns annually to adjust the withdrawal rate or asset allocation.
Keep a buffer of 1-2 years' expenses in liquid funds for emergencies.
Review the tax efficiency of your withdrawals and rebalance your portfolio every year.
Final Insights
A well-diversified portfolio ensures stable withdrawals of Rs. 2 lakh monthly. Focus on equity for growth, debt for stability, and liquid funds for emergencies. Starting the plan early and monitoring it regularly will ensure financial independence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Yes, loss from F&O trading is required to be disclosed as business loss in Income tax return (ITR 3)

Ans: It's a complex problem.
One needs to do a lot of tests to see if it can be controlled.
Consult a nephrologist for this

Ans: You need to check for any complications morbidity..if none A1c of 6.9 is good

Ans: If you have remained a pre diabetic the us need to take a consult from. A d9ctor