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Mayank

Mayank Rautela  | Answer  |Ask -

HR Expert - Answered on May 18, 2022

Mayank Rautela is the group chief human resources officer at Apollo Hospitals.
A management graduate from the Symbiosis Institute of Management Studies with a master's degree in labour laws from Pune University, Rautela has over 20 years of experience in general management, strategic human resources, global mergers and integrations and change management.... more
Anonymous Question by Anonymous on May 18, 2022Hindi
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Career

Dear Mayank Sir,
I am facing a difficult problem both personally and professionally.
Last year, I took the decision to move back home, which is in a small town, because both my parents had survived COVID but have been facing major health issues since then.
I am their only child.
As a result, I had to leave a job where my prospects were very good and I was enjoying my work very much. Also, I was living in a big city, independent of my parents whom I love very much.
It is a struggle to be back at home with them. They still treat me like a small child with advice and questions at every step.
Workwise too, the job is a huge stepdown and the money, though decent, is less that what I used to earn. Responsibilities and challenges, which I used to enjoy, are less too.
I have to stay here for one more year at least before I can make plans to move out again.
The stress from home is spilling out at my job and the irritation at work is spilling out at home.
How do I handle this? Am going crazy.
Please help.

Ans:

Hi.

I appreciate the fact that you sacrificed your job to take care of your parents.

Ideally, you should go back to a larger city and restart your career. I am sure your past employer would be open to taking you back.

If that is not possible, then you need to have a candid discussion with your parents and make them understand that their constant involvement in your life is not acceptable.

They may be doing it out of love but, since it is negatively impacting you, they need to give you space.

Please don’t change your job in your hometown as that will further complicate your situation.

 

Career

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Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Dear Anu,I am 41 years old doing my own business since 14 years. I live with my parents and i am married. Blessed with two children. I am the sole bread winner. They all luv me very much. These days (year 2020) I feel stressed and lonely, bcos of financial problem in running my house and fulfilling my EMI and other loan commitments. My family knows my financial adjustments and commitments. I feel myself like a machine working non-stop to keep my family happy and fullfil their desires. I don’t feel happy going home after my work for the day. I feel like I don’t understand them or they don't understand me. I know they luv me so much and me too. I feel let down but actually they support me in all the way they can. What should I do?
Ans: Dear AK, sadly, most of our lives are lived doing things for others.

Initially seeing the happiness on the faces of our loved ones makes us believe that what we are doing is the right thing.

But if you work or so anything in life without taking into consideration your feelings or your what you value for yourself, it will slowly start to seep into your core and you either end up feeling stressed or anxious.

I do understand that your situation is one of financial challenges, you mist work and why not work and at least set sometime for yourself over the weekend to rejuvenate yourself?

This time is non-negotiable and it is to refresh yourself so you can go back on Monday with a newness.

Also, instead of working like a machine, why not think that you are working efficiently to slowly pay off EMIs and to be free of them.

Bring some harmony between work and life which is what I can offer as a suggestion to you.

Be happy and work not out of compulsion but passion!

..Read more

Anu

Anu Krishna  |1664 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Relationship
Hi Anu, I am 42 yrs old male. I am a Public Health Professional and work in an International NGO on health issues based in Delhi. I have ageing parents (both suffering from cardiac illness, diabetes and hypertension) which are based in Mumbai, my immediate family (wife and two kids) stays with my parents as there is no one else to take care of them. My parents especially my father is adamant that he doesn’t want to leave his house and stay with me in Delhi. As a result my immediate family is also forced to stay in Mumbai taking care of my parents. My wife is very supportive, however as this situation is like this since last 4-5 years and we are staying in two different cities, it has now taking stall at emotionally and physically on both of us (me, my wife and my two kids). I am desperately searching for job in Mumbai, however in my sector there are not very good opportunities in Mumbai. I tried my hands in two there places for job, however to my misfortune things didnt work out. I am a mid-senior level professional and have reached this position after a lot of hard work, however the stress has started affecting my performance and overall reputation in the organization. Hence there is constant stress of performance, ability to deliver, overall situation has lowered my confidence level affecting my work further. Dissatisfied with my work, my supervisor has already started sidelining me. I am desperately started thinking of leaving the job, however financial condition doesn’t allow me to do that. With COVID-19 pandemic things has worsened, as I am stuck in Delhi even in lockdown, leaving my parents and my wife struggling in Mumbai amidst the lockdown. Even now cant visit them as stressed, whether i will carry risk of infection to my parents, wife and kids, Hence staying away, it’s been 8 months that have not met them. Not sure, how to handle this. One way I thought as looking out opportunities in Mumbai, even if at junior level, However i am trying for that, but not getting suitable opportunities. Not sure, how to handle the pressures from family (Parents don't want to shift, wife is not ready to stay away and has given time till March, there constant pressure of performance). Not sure, what to do.
Ans: Dear S, surely, this pandemic has put many at inconvenience in different ways for each of us across the planet.

What we can do is make the best of what is at this point in time. It indeed is hard to be away from family at a time like this.

I know parents in some families do find it hard adjusting to a new city at their age and having your wife care for them as logical as the decision was has begun to take a toll on the family as a whole.

It is an amazing feeling to come back home to a family after a hard day’s work where they wait with love, care and support.

Either a job in Mumbai or moving your family to Delhi are the options as it is evident that family and their love is important for you to have the security and stability.

Having said this, Lockdown 5.0 begins soon, I think fearlessly take a call, visit your family.

If you think you want to isolate yourself in the fear of COVID-10, do so…but more that all of this, do sit down as a family, COMMUNICATE, talk to your parents about how this is affecting you and obviously they care and love you enough to hear your side of the story.

And finally, do what needs to be done to make sure that your parents understand and are taken care of and your wife and children are with you as a family.

Happy decision making and be happy!

..Read more

Mayank

Mayank Rautela  | Answer  |Ask -

HR Expert - Answered on Aug 24, 2022

Latest Questions
Ramalingam

Ramalingam Kalirajan  |9962 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 25, 2025Hindi
Money
HI JUST RECEIVED 5CR AFTER TAX NEED YOUR GUIDANCE TO MAKE THE RIGHT INVESTMENT SO THAT I GET 3 TO 4 LAC MOUNTLY
Ans: You’ve built great wealth. Receiving Rs.5 crore after tax is a big milestone. Wanting Rs.3–4 lakh monthly shows you seek both growth and safety. This is possible with careful planning. With right steps, you can protect capital and create regular income.

? Fix Clear Purpose for the Rs.5 Crore
– Decide the life goals clearly.
– Is income your only goal or do you want to grow the money too?
– Do you have dependents or children to support?
– Do you want to pass wealth to next generation?
– If purpose is clear, then the planning becomes easy.
– Lack of clarity leads to confusion and fear-based investing.

? Don’t Park All Money in Savings or FD
– Savings account gives poor returns.
– FD returns are taxable as per slab.
– Long-term, FDs won’t beat inflation.
– Also, FD doesn’t give flexibility or wealth growth.
– Instead, invest smartly based on time horizon.
– Use mix of mutual funds with defined income and growth buckets.

? Create Two Main Buckets – Income and Growth
– Income bucket gives monthly cash flow.
– Growth bucket protects future income.
– Use around Rs.2.5 crore for income.
– Use balance Rs.2.5 crore for growth.
– This way, you enjoy income and preserve capital.

? Monthly Income of Rs.3–4 Lakh – Needs Planning
– Don’t withdraw randomly from capital.
– Create SWP (Systematic Withdrawal Plan) from mutual funds.
– SWP gives tax-efficient regular income.
– Choose mix of hybrid, equity savings, and conservative allocation funds.
– These give steady monthly payout without disturbing capital too fast.

? Avoid Monthly Dividend Plans
– Monthly dividend mutual fund plans are not reliable.
– Dividends are not guaranteed.
– Fund house can stop them any time.
– Also, dividend is taxed in your hands.
– Better to do SWP from growth option funds.
– This gives better return and better tax planning.

? Growth Bucket – Your Real Security
– Keep Rs.2.5 crore in growth funds.
– These funds will grow slowly over years.
– Use large cap and flexi cap equity mutual funds.
– Also add multi-asset funds and hybrid equity funds.
– Withdraw from this growth bucket only after 5–7 years.
– It will refill the income bucket later.
– This way, your future income stays protected.

? Don’t Invest in Index Funds or ETFs
– Index funds cannot protect in down market.
– They follow market blindly.
– No chance to remove bad stocks.
– Active funds give better research and expert decisions.
– Over 5–10 years, active funds outperform.
– Your wealth deserves professional management.

? Don’t Use Direct Funds – Use Regular Funds with Guidance
– Direct funds give no help or review.
– You may choose wrong fund or wrong mix.
– No one will alert if fund underperforms.
– Regular plan via Certified Financial Planner-backed MFD is better.
– You get guidance, rebalancing, and tax advice.
– The small cost of regular fund gives peace of mind.

? Never Consider Annuities or Monthly Insurance Plans
– Annuities lock your money forever.
– They give very poor return.
– No inflation adjustment.
– No liquidity or exit option.
– You lose flexibility and growth.
– Also, you can’t pass wealth to heirs easily.

? Use STP for Safe Entry
– Don’t invest Rs.5 crore all at once.
– Start with liquid fund.
– Use Systematic Transfer Plan (STP) over 12 months.
– This avoids market timing risk.
– It gives smooth entry and cost averaging.
– You stay protected during market volatility.

? Keep Emergency Reserve Separate
– Set aside Rs.20–30 lakh in liquid funds.
– Use for any family medical, travel or big need.
– Don’t touch investment buckets for this.
– This gives you confidence to stay invested.
– Keep this amount in low-risk ultra-short-term fund.

? Don’t Invest in Real Estate
– Real estate blocks large capital.
– It has low rental income.
– Buying and selling is slow.
– Requires legal work and maintenance.
– Not suitable for monthly income or fast access.
– Mutual funds give better liquidity and safety.

? Diversify the Income Bucket Smartly
– Use hybrid conservative funds for stability.
– Use equity savings funds for slightly better return.
– Use balanced advantage funds for some growth.
– Mix these to create Rs.3–4 lakh monthly via SWP.
– This mix protects you from market swings.
– Keeps your income steady and less taxable.

? Tax Planning on Mutual Fund Withdrawals
– SWP from equity funds is tax-efficient.
– First Rs.1.25 lakh LTCG is tax-free.
– Above that, tax is only 12.5%.
– STCG on equity is taxed at 20%.
– For debt and hybrid funds, tax as per your slab.
– Plan withdrawals to reduce taxes.
– Your CFP can structure this easily.

? Review Portfolio Every Year
– Your needs may change yearly.
– Income required may go up with inflation.
– Fund performance may differ.
– Do annual review with your Certified Financial Planner.
– Shift fund if it underperforms.
– Refill income bucket from growth funds.

? Involve Your Family in the Plan
– Share the investment plan with spouse or children.
– Create joint holding or nomination.
– Teach them how the funds work.
– Let them understand SWP and goal planning.
– This builds a culture of responsibility.

? Invest in Your Peace of Mind
– Wealth without peace is useless.
– Don’t take high risk to get extra return.
– Don’t fall for tips or short-term stocks.
– Your goal is steady income and stable capital.
– Keep the strategy simple and balanced.

? Assign Goals to Growth Bucket if Needed
– If you have retirement dreams, use this bucket.
– Want to fund children’s marriage or business?
– Use part of growth bucket.
– Allocate funds to each goal early.
– This gives purpose and trackability.

? Final Insights
– You are already financially free.
– Rs.5 crore is enough for monthly Rs.3–4 lakh.
– Only thing you need is discipline and clarity.
– Use SWP to generate regular income.
– Use hybrid and equity funds smartly.
– Stay away from index funds, annuities, or real estate.
– Don’t use direct plans.
– Use regular funds through CFP-guided MFD.
– Do yearly review and rebalance.
– Keep emergency fund and STP entry.
– Involve family in financial habits.
– Enjoy peace, income, and legacy creation.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9962 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Money
I am 67 & i want to invest to get 13000/month .in swp tell me how much amount to invest & where
Ans: At age 67, planning for regular income with safety shows maturity and responsibility.
You have a specific income goal. That makes planning more precise and effective.

Let’s go through this from all angles for a complete, balanced plan.

? Understanding your income goal and age needs

– You want Rs. 13,000 monthly through Systematic Withdrawal Plan (SWP)
– That means Rs. 1.56 lakh income per year
– You are 67, so safety and steady returns matter more than growth
– You also need to beat inflation quietly over the years
– So, capital protection and consistent cashflow are both needed

? Choosing the right fund for SWP – important points

– Many people get confused between SWP and dividend
– SWP is better, as it gives fixed income
– Dividends are not guaranteed or regular

– Now, fund selection becomes key for your SWP
– You must avoid equity-only funds
– They are too volatile for regular withdrawals

– At the same time, pure debt funds may not beat inflation
– You need a balanced mix with controlled equity exposure

– Choose funds that are actively managed and have proven track record
– Index funds should not be used here

– Index funds move with markets and fall sharply in crisis
– They do not protect your capital in bad years
– Active funds have fund managers who rebalance and protect capital
– That is important in your case

– So, avoid index funds fully

? Direct funds or regular funds – which is better for SWP?

– You may think of using direct funds to save commission
– But that is not wise in retirement phase

– Direct funds do not come with expert help
– There is no guidance during market stress

– Regular plans via a Certified Financial Planner offer many advantages
– You get personalised withdrawal strategy
– You get help during market corrections
– Your investments are monitored and rebalanced

– One wrong fund selection in direct plan can hurt your full SWP
– In retirement, that is a risk you must avoid

– Regular funds ensure you are in the right asset mix
– So, choose regular funds through a MFD guided by a CFP

? How much to invest to get Rs. 13,000 monthly

– The amount depends on return expectations and tax impact
– SWP works by withdrawing fixed amount while the rest continues to grow
– So, a higher return can reduce your initial investment need

– If we expect moderate return from a mix of debt and equity
– Then around Rs. 18–22 lakh may be needed
– This amount is only a ballpark and not final

– A Certified Financial Planner can help you with exact allocation
– They can also reduce the tax impact by smart withdrawal structuring

? Taxation on mutual fund SWP – new rules to note

– For equity mutual funds:
– LTCG above Rs. 1.25 lakh per year taxed at 12.5%
– STCG taxed at 20%

– For debt mutual funds:
– LTCG and STCG taxed as per your slab

– SWP withdrawals trigger capital gains only on the gain portion
– So, tax is only on profits, not full withdrawal
– This is more tax-efficient than interest from FD or savings

– Your CFP can help plan SWP in tax-smart way
– Also spread withdrawals across folios if needed

? Emergency corpus – not to be mixed with SWP fund

– Do not keep entire capital in SWP fund
– Always have 6–9 months of expenses in liquid funds
– That gives cushion during market volatility

– You can keep Rs. 1–1.5 lakh in a liquid mutual fund
– This can be accessed easily and gives slightly better returns than savings

? Other safety steps for retirement investing

– Review health insurance coverage
– Medical costs can rise after 65
– Ensure adequate cashless policy is in place

– Nomination and joint holding must be updated on mutual funds
– This avoids delay or legal issues later

– Avoid investing in policies that combine insurance and investment
– At this age, they only reduce your income

– If you already hold LIC, ULIP or endowment policies
– Then check surrender value
– If returns are low, consider surrender and shift to mutual funds
– This will improve your income potential and transparency

? Avoid annuities – not suitable for your goals

– Annuities may look attractive for fixed income
– But they have very low returns
– Your capital gets locked, and inflation eats into your income

– Also, after your death, full capital is not passed on
– Some annuities offer return of capital, but with even lower income

– So, SWP from mutual funds is better
– You get regular income, capital appreciation and flexibility

? Why actively managed mutual funds are better

– Fund managers keep changing asset mix based on market
– This helps in reducing downside during crashes
– Index funds do not have this cushion

– For senior citizens, regular income with low risk is priority
– Actively managed funds align better with this goal

– Index funds can show negative returns during some years
– That can disrupt your SWP income
– This makes index funds unsuitable for post-retirement needs

? What to do now – action plan ahead

– Step 1: Consult a Certified Financial Planner
– Step 2: Decide how much lump sum you can invest
– Step 3: Keep Rs. 1.5 lakh aside for emergency
– Step 4: Invest remaining in 2–3 actively managed funds
– Step 5: Set SWP of Rs. 13,000 per month

– Step 6: Review portfolio once every year
– Step 7: Adjust SWP based on fund performance and market changes
– Step 8: Rebalance or change fund if needed with CFP help

– Step 9: Do not stop SWP in market correction
– Step 10: Let compounding work in long term

– This method gives you steady income and better capital safety
– At the same time, your money is not locked

– You can increase SWP in future based on returns
– Or even take out lump sum for medical or family needs

– SWP through regular mutual funds gives flexibility and tax edge
– That makes it perfect for your income need

? Finally

– You have taken a wise step by choosing mutual fund SWP over other options
– With Rs. 18–22 lakh in the right funds, you can safely get Rs. 13,000 monthly
– Keep emergency reserve separately for full safety

– Use actively managed funds only
– Avoid direct and index funds for income goals

– Work with a Certified Financial Planner to keep your portfolio healthy
– Stay invested with yearly review and controlled withdrawals

– Retirement should be peaceful, not stressful
– This SWP route will help you live with comfort, dignity, and control

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9962 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 22, 2025Hindi
Money
I am 46 years old with 2 kids and looking to retire by 55 .
Ans: You have taken a bold step. Planning for retirement at 55 is a powerful goal. Having 2 kids makes it even more important to create a stable and predictable financial plan. At age 46, time is still with you, but each year now matters more. Let us assess the situation from a full 360-degree view and help you build clarity.

? Income and Expense Assessment

– At 46, your salary is likely near its peak.

– Maximise your income savings now.

– Track your monthly expenses in detail.

– Split them into essential and lifestyle expenses.

– Plan how these expenses will behave after retirement.

– Remove EMI-based expenses from post-retirement budget.

– Account for higher medical expenses post-retirement.

– Assume inflation of 6% in your long-term projections.

– See how much your future monthly retirement budget might look like.

– Aim to create a portfolio that generates this amount for 30 years.

? Emergency and Contingency Planning

– Keep at least 6 months’ expenses as emergency reserve.

– This should be in FD, liquid funds, or sweep-in accounts.

– Avoid investing emergency fund in stocks or equity funds.

– If you already have this cushion, no need to add more.

– Review the emergency fund amount every year.

– Increase it as your monthly cost of living goes up.

? Children’s Goals and Education Planning

– Two kids mean two major expenses in the future.

– Allocate money for their college and marriage separately.

– If they are young now, you have 5-10 years for college goal.

– Do not delay education planning any further.

– Start SIPs in equity mutual funds through MFDs with CFP credentials.

– Actively managed mutual funds give better flexibility and guidance.

– Avoid index funds; they don’t protect in falling markets.

– Index funds also lack smart rebalancing and sector allocation.

– Stay invested in actively managed diversified funds.

– SIPs with step-up facility will support inflation-adjusted education needs.

? Current Investment Assessment

– Check your existing investments now.

– Identify what portion is in equity and what in debt.

– Check whether it is aligned to your goals and risk tolerance.

– If holding ULIPs, traditional LICs, or endowment plans, exit early.

– These give poor returns, lack flexibility, and are insurance-heavy.

– Reinvest surrender proceeds in long-term mutual fund SIPs.

– Consult your MFD-CFP before redeeming.

– Avoid direct plans; they may look cheaper but lack ongoing review.

– Regular plans with MFDs offer support in market downturns.

– And they help realign your portfolio based on your goals.

? Health and Life Insurance Coverage

– Review your health cover amount.

– Rs 5 lakh family floater is not enough for modern medical needs.

– Top it up with a super top-up policy of at least Rs 15 lakh.

– If employer provides group cover, don’t rely solely on it.

– It ends the day you resign or retire.

– Buy a personal policy outside of employer coverage.

– For life cover, buy only term insurance, if you still need it.

– Ensure your life cover is 10-15 times your annual expense.

– Avoid mixing investment and insurance.

– Term plan plus mutual fund SIP is a better combo.

? Retirement Corpus Estimation

– You are 46 and want to retire at 55.

– That gives you 9 years to build the retirement fund.

– Your corpus must last from age 55 to 85 or 90.

– So, plan for at least 30 years of monthly income.

– Calculate your monthly expense at 55 (inflation adjusted).

– Multiply that by 12 and then by 25-30.

– This gives you a basic idea of the corpus needed.

– Add buffer for medical emergencies and lifestyle surprises.

– Corpus size also depends on your post-retirement lifestyle.

– Conservative lifestyles need less; luxurious ones need more.

? Retirement Investment Strategy

– Invest your monthly savings mainly in equity mutual funds.

– Use diversified, flexi-cap, and hybrid equity funds.

– Avoid large exposure to small-cap at this stage.

– Keep 70-80% in equity for next 6-7 years.

– The remaining 20-30% in short-term or conservative hybrid funds.

– Gradually reduce equity exposure two years before retirement.

– Move 10-15% every year to safer debt or hybrid funds.

– This glide-down approach protects your capital.

– Don’t invest in annuities; they give low returns and no liquidity.

– Create SWP (Systematic Withdrawal Plan) instead after retirement.

– SWP gives monthly cash flow and better tax control.

? Systematic Saving and SIP Strategy

– Start SIPs immediately in 3-4 diversified equity funds.

– Use SIP booster option every year to increase contribution.

– Monitor and rebalance every year with your MFD-CFP.

– Keep a goal tracker and monitor corpus every year.

– If market gives high returns one year, book some profits.

– Use this to fill debt allocation or emergency buffer.

– Don’t stop SIPs in market fall; continue with discipline.

– In fact, increase SIP in corrections if possible.

– Avoid direct investing platforms; they don’t offer personalised advice.

– Stay with MFDs who have CFP qualification for ongoing planning.

? Tax Planning for Retirement Investments

– SIPs in equity funds held over one year give LTCG.

– LTCG above Rs 1.25 lakh in a year is taxed at 12.5%.

– STCG is taxed at 20%.

– Debt fund gains are taxed as per your income slab.

– Plan redemptions wisely to avoid tax overload.

– Split redemptions across years to save tax.

– SWP after retirement should be within tax-free thresholds.

– Use tax harvesting before March every year.

– Consult MFD-CFP to manage capital gains efficiently.

? EPF and NPS Planning

– Continue contributing to EPF till retirement.

– At 8-9% return, EPF builds solid base for corpus.

– Don’t withdraw EPF when changing jobs.

– Let it compound till age 55 or 58.

– NPS is another good tool but use carefully.

– Invest only the minimum required in NPS.

– After retirement, NPS forces annuity for 40%.

– Annuity locks your capital and gives low return.

– Hence, don’t over-invest in NPS.

– Prioritise flexible instruments like mutual funds.

? Ideal Retirement Withdrawal Strategy

– At 55, start SWP from mutual funds.

– Create 3 buckets for withdrawal.

– Bucket 1: 3 years expenses in liquid or ultra-short funds.

– Bucket 2: 5 years expenses in hybrid or conservative debt funds.

– Bucket 3: Remaining in equity mutual funds.

– Withdraw monthly from Bucket 1.

– Refill Bucket 1 every year from Bucket 2 and 3.

– Review this strategy with your MFD-CFP every year.

– Adjust for inflation and market condition regularly.

– This strategy gives safety, growth, and steady income.

? Milestone-Based Financial Planning

– Have milestone reviews every 2 years.

– At age 48, check if corpus is on track.

– Adjust SIPs, expenses, or goals if required.

– At age 52, start rebalancing portfolio.

– Increase debt share and reduce equity exposure.

– At 55, do a dry-run of one year pre-retirement.

– Live only on expected retirement income.

– If you feel short, extend work by 1-2 years.

– If corpus is ready, go ahead and retire peacefully.

? Final Insights

– You still have time to retire by 55 if you plan smartly now.

– Save aggressively and invest wisely through MFDs with CFP guidance.

– Use SIPs, EPF, and goal-specific strategies.

– Keep emotions away and focus on disciplined investing.

– Avoid high-cost, low-return insurance products.

– Make retirement stress-free by preparing your finances early.

– Retirement should be a phase of joy, not financial worry.

– You can achieve this goal with proper planning and review.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9962 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 21, 2025Hindi
Money
Hi , Me and my wife aged 32,29 make a coimbined income of 2.7 lpm, having two kids aged 3 and 1. Our total investment is around 12 lkhs in mutal funds, 26 lkhs in direct stocks, 2 lkhs in FD ,7.5 laks for emergency fund,have a real estate plots worth 24 lakhs. Have gold worth 30lakhs,we reside in rental property(present rent is 10k),other monthly expense is around 60k. Presently we dont have any loans/debts. Have a family floter health insurance for 25 lakhs. We are planning for a early retirement at around 45 years. We both have humble background don't have much family background. What should be the investment statergy,what is the decent corpus to accumulate to attain our target of early retirement including our child education cost?
Ans: You’ve already built a solid financial base with discipline and clarity. Your current investment mix, lifestyle control, and absence of debt provide strong early momentum. With early retirement at 45 in sight and two young children, you are right to seek a detailed strategy now.

? Financial Assessment of Your Current Position

Combined monthly income of Rs 2.7 lakh provides good potential to build wealth.

No liabilities or loans shows you are financially cautious.

Monthly expenses including rent are just Rs 70,000, implying a 74% savings capacity. This is impressive.

Current investment assets total around Rs 77.5 lakh excluding real estate:

Rs 12 lakh in mutual funds

Rs 26 lakh in direct stocks

Rs 2 lakh in fixed deposit

Rs 7.5 lakh emergency fund

Rs 30 lakh in gold

Plots worth Rs 24 lakh are illiquid and won’t help in your retirement journey unless sold.

Rs 25 lakh health cover is appropriate for now but may need enhancement later.

Your financial health is very good. With the right strategy, early retirement is absolutely within reach.

? Core Principles for Your Retirement Strategy

Save consistently and invest wisely to build a target corpus.

Prioritise goal-based investing for retirement and children’s education.

Avoid over-exposure to volatile or illiquid assets like direct stocks or real estate.

Focus on regular review, tax efficiency, and professional guidance.

? Ideal Asset Allocation Strategy

Keep your portfolio diversified across instruments:

55% in equity mutual funds (SIPs and lump sum)

15% in debt mutual funds or recurring income products

10% in gold (already well-covered)

10% in emergency reserves and FDs

10% in child-specific goal investments

You are overexposed to gold and direct stocks. These can fluctuate or underperform. Try to rebalance over time.

? Drawbacks of Direct Stocks vs. Mutual Funds

Direct stocks demand daily tracking, research, and timing.

Risk is concentrated in a few companies or sectors.

Emotional decisions often hurt performance.

You may lack time and resources to monitor market cycles effectively.

Actively managed mutual funds, when chosen with a Certified Financial Planner and an MFD, give:

Expert portfolio management

Better risk management

Long-term wealth compounding

Strategic allocation based on goals

Behavioural discipline via SIPs and professional handholding

Switching some stock investments to mutual funds can improve consistency and reduce risk.

? Risks of Investing in Direct Mutual Funds

Direct funds may appear low cost but lack advisor support.

Without a Certified Financial Planner and MFD, you may miss:

Timely portfolio rebalancing

Goal mapping

Asset allocation guidance

Behavioural counselling during market volatility

Regular plans via a trusted MFD ensure long-term commitment to the right plan.

The extra cost is often repaid manifold through better long-term decisions and reduced errors.

? Retirement Corpus Estimation and Planning

You are 32 now and want to retire in 13 years.

Your family will need passive income for 40+ years post-retirement.

You will need to factor in:

Basic lifestyle expenses

Health expenses

Children’s education and higher studies

Occasional travel, home repair, celebrations

Considering these, a decent retirement corpus would be in the range of Rs 6 to 8 crore by age 45.

You are at around Rs 77.5 lakh (excluding real estate). This gap is achievable over 13 years with planned investing.

? Steps to Reach the Target Corpus

Increase monthly investment capacity to Rs 1.2 lakh gradually over next 2 years.

Split monthly investments as below:

Rs 75,000 in diversified equity mutual funds (goal-based SIPs)

Rs 15,000 in debt mutual funds (low duration or short-term)

Rs 15,000 towards child education funds (targeted investing)

Rs 10,000 into recurring deposit or ultra-short-term fund as buffer

Review and rebalance every 6 months with an MFD and CFP.

Avoid speculative stocks or penny stocks. Use profit booking from stocks to shift into long-term mutual funds.

Even a 10-11% long-term return from this model can take you towards Rs 7-8 crore corpus.

? Education Planning for Children

You have 15 to 17 years before higher education begins.

Target Rs 50 to 60 lakh per child for higher education in India or abroad.

Start two separate SIPs for each child of Rs 7,500 to Rs 10,000 per month.

Increase SIPs annually by 5% to 10%.

Use long-term diversified equity mutual funds only for this goal.

This goal should not compromise your retirement funding. Keep them as parallel tracks.

? Emergency Fund and FD Use Strategy

Rs 7.5 lakh is sufficient as emergency reserve.

Keep 6 months of expenses in ultra-short duration debt funds.

Convert your FD into a buffer fund for future large payments (e.g., insurance, school fees).

Avoid increasing gold holdings. It is already 40% of your portfolio.

Liquidating gold gradually and using it for MF investing would strengthen your plan.

? What You Should NOT Do

Avoid investing in index funds. They do not protect during market crashes.

Index funds mirror market returns. They do not beat inflation reliably.

Actively managed funds have better track record, downside protection and sector shifts.

Never invest through multiple platforms or apps. Stick with one planner for coordinated strategy.

Don’t hold ULIPs or endowment policies if offered. They are poor wealth creators.

You already follow many of these principles. Continue with discipline and regular investing.

? Review of Real Estate Holdings

The Rs 24 lakh plot should not be considered for retirement goals.

Real estate is illiquid. Returns are uncertain and slow.

Keep it as optional, not core to your strategy.

If there is a future buyer, consider selling and shifting into retirement corpus.

? What to Do Immediately

Start SIPs of Rs 1 lakh/month across retirement and child goals.

Exit from direct stocks in phased manner (especially underperformers).

Increase equity MF corpus from Rs 12 lakh to Rs 25 lakh in 12 months.

Set up regular debt MF SIPs for stability.

Reallocate FD money towards hybrid funds or short-term goals.

Assign your gold only for long-term holding or emergencies.

Do a portfolio review every 6 months with an MFD and CFP.

This consistency will give you full control and visibility over your path.

? Insurance Review and Enhancements

Rs 25 lakh floater is good, but increase to Rs 50 lakh when income grows.

Take personal accident cover and critical illness cover by age 35.

Get pure term insurance (not ULIP) for Rs 1.5 crore each spouse.

Avoid mixing insurance and investment.

This gives peace of mind and protects your wealth-building journey.

? Long-Term Planning and Vision

Stick to monthly review rhythm with your MFD and Certified Financial Planner.

Write down each goal, timeline, and target value.

Do not panic during market corrections. SIPs work better in falling markets.

Keep your lifestyle modest until financial independence is achieved.

After 45, keep 40% portfolio in equity, 40% in debt funds, and 20% in cash/gold.

Use SWP (Systematic Withdrawal Plans) to create monthly income post-retirement.

Your early retirement vision can become a reality with this planning.

? Finally

You are already ahead of most people your age. Your financial habits are disciplined. Your lifestyle is controlled. And your intent is clear.

Early retirement at 45 with two children is ambitious but fully achievable.

What you need now is clarity of action, disciplined execution, and regular monitoring with a trusted Certified Financial Planner.

This roadmap can give you financial freedom, quality time with family, and peace of mind in the next 10 to 13 years.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9962 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 20, 2025Hindi
Money
I am 58 years old.Working in a Private company.I will be retiring in july 27.I will have a retirement corpus around Rs 1.10 Crores at that time.How can I earn Rs 80000 pm after my retirement with my corpus of Rs 1.10 crores.I have my own house.I have only 1 daughter and she is Final year BBA student
Ans: You are nearing retirement with great clarity.
Having Rs 1.10 crores as retirement corpus is commendable.
Your plan to generate Rs 80,000 per month is bold and hopeful.
Let us now approach your retirement needs from all sides.

? Retirement Corpus and Monthly Income Expectation

– Your expected corpus is Rs 1.10 crores.
– Your expected monthly income is Rs 80,000.
– This means you want Rs 9.6 lakhs every year.
– This is about 8.7% yearly withdrawal from your corpus.
– This is slightly on the higher side for long-term stability.
– A sustainable withdrawal rate is ideally around 5–6%.
– But with careful structuring, Rs 80,000 is still possible.

? Understanding Time Horizon and Risk Appetite

– You are 58 now and retiring at 60.
– You must plan income till at least age 85 or 90.
– This means you need a minimum of 25–30 years of income.
– Post-retirement, risk capacity reduces, but risk tolerance matters.
– With proper allocation, even moderate-risk options can help.

? Investment Strategy with Rs 1.10 Crores Corpus

– Your corpus should be split into multiple buckets.
– Each bucket must have a different time horizon and objective.
– This strategy gives safety, income, and growth over time.

? Bucket 1: Emergency and Safety Reserve

– Allocate around Rs 5–7 lakhs here.
– Keep in a senior citizen savings scheme or bank FD.
– This is for 1–2 years of unavoidable expenses.
– Do not expose this portion to market risks.

? Bucket 2: Regular Monthly Income for First 5 Years

– Allocate around Rs 30–35 lakhs here.
– Invest in post-office monthly income plans or MIS.
– Consider conservative hybrid mutual funds through a Certified Financial Planner.
– These offer better returns than FDs over medium term.
– Use only regular plans through MFDs.
– Avoid direct plans. Direct funds may look cheaper but lack service, review, and guidance.
– Regular plans through CFP offer better strategy, advice, and regular rebalancing.
– Also get capital gains tracking, STP, and withdrawal support.
– Direct plans miss these essential services.

? Bucket 3: Growth-Oriented Medium-Term Corpus (6 to 15 Years)

– Allocate Rs 30–35 lakhs in this bucket.
– Invest in actively managed balanced advantage and equity savings funds.
– These are relatively less volatile and offer better tax-adjusted returns.
– Avoid index funds. They don’t beat inflation over long term.
– Index funds blindly copy the index without managing downside risk.
– Active funds are managed by professional fund managers.
– They aim to outperform markets.
– That’s important in retirement when steady returns matter.

? Bucket 4: Long-Term Growth (15+ Years)

– Keep Rs 25–30 lakhs in this bucket.
– Invest in large-cap and flexi-cap mutual funds.
– Use SWP (systematic withdrawal plan) after 10–15 years if needed.
– Helps build long-term capital appreciation to fight inflation.
– Always invest via regular plans through a qualified CFP.
– Regular plans offer periodic fund review, handholding, and guidance.
– That makes a real difference in retirement.
– Avoid direct mutual funds. You won’t get timely guidance or review.
– Retirement needs change often. DIY investing can cause mistakes.
– Regular plan investors get emotional support during market fall.
– Direct plan investors may panic and withdraw at wrong times.

? Monthly Income Planning and Execution

– Combine monthly returns from all 4 buckets.
– From Bucket 2 and 1, get around Rs 30,000–35,000 per month.
– From growth buckets, start SWP after 3–5 years.
– That will cover the remaining Rs 45,000–50,000 per month.
– This way, your principal lasts longer.
– Corpus grows while giving you income.
– Do annual review with Certified Financial Planner.
– Rebalance funds yearly to adjust for risk and need.
– Don’t rely on ad hoc withdrawals.

? Post Retirement Tax Strategy

– Plan withdrawals smartly to reduce tax.
– LTCG on equity mutual funds is tax-free up to Rs 1.25 lakh per year.
– Above that, it is taxed at 12.5%.
– STCG is taxed at 20% flat.
– So avoid short-term selling.
– For debt mutual funds, gains are taxed as per income slab.
– Use exemptions, deductions, and senior citizen benefits.
– File returns properly. Avoid TDS surprises.
– You can also split income across family if needed.

? Health Insurance and Medical Planning

– Ensure you have adequate health cover.
– Buy senior citizen health insurance before retiring.
– Use super top-up cover to increase base limit.
– Medical inflation is high. Do not ignore it.
– Emergency bucket will help during health crisis.
– Never break growth corpus for medical emergencies.

? Avoid These Post Retirement Mistakes

– Don’t keep full corpus in bank FDs.
– FD returns will not beat inflation.
– Do not fall for traditional insurance plans.
– They lock your money and give low returns.
– Avoid real estate investments.
– They are illiquid and difficult to manage in old age.
– Don’t invest in annuities.
– They offer low returns and lack flexibility.

? Support for Your Daughter

– She is in final year BBA.
– Ensure she is financially educated.
– Help her build a career and independence.
– Avoid allocating your retirement money for her wedding.
– Support her emotionally, not financially after few years.
– Encourage her to start SIPs once she starts earning.

? Estate Planning and Peace of Mind

– Create a will now itself.
– Mention all financial and physical assets clearly.
– Appoint a reliable executor.
– Share details with family.
– Ensure nomination is updated in all investments.
– Keep one file with all login details and account numbers.
– This reduces confusion later.

? What If You Live Beyond 90?

– This plan considers long retirement life.
– Corpus will last with proper structure.
– Rebalancing and staggered withdrawal will help.
– Growth bucket will keep growing your wealth.
– Peace of mind comes from diversified planning.

? What If Inflation Rises Too Much?

– That’s why equity allocation is essential.
– Fixed income options can’t beat inflation alone.
– Equity funds create buffer.
– Use them wisely. Don’t exit during market correction.
– Stay invested with discipline.

? Final Insights

– Your journey is inspiring and disciplined.
– Rs 1.10 crores corpus can give you Rs 80,000 per month.
– You need strategic withdrawal and diversified allocation.
– Avoid DIY investing.
– Work with a Certified Financial Planner to guide you every year.
– Protect health, plan legacy, and live peacefully.
– Retirement should be financially worry-free and emotionally fulfilling.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9962 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
Money
Respected Gurus, I am 52 years old, retiring early from an IT company. I had been investing in past few years to generate wealth as well as passive income. My objective now is to continue to be active investor while taking care of family expenses without salary. I will definitely consult a certified financial planner for implementation; I want to have my own strategies in hand to discuss. Need your suggestions in this regard. My investments are as below as of now: Stocks & MutualFunds: 2.5 CR (including BAF MFs) Bonds/FDs : 40 Lakhs (Maturing at different years between 2027-2035) Employment Benefits : 70 Lakhs (EPF + VPF + Gratuity + Final settlement) PPF : 10.5 Lakhs NPS : 4.5 Lakhs My passive Income I am currently getting Dividend Income : 7.5 Lakhs per year Interest Income : 3 Lakhs per year now, will reduce to 1.5L per year in 2035 Rent from apartment : 2.6L per year My expenses Family Expenses : 17 Lakhs per year Rent : ZERO (living in own house) I am considering following strategies. Please review and share your suggestions. Please share a better strategy if these two are not optimal. Stategy-1 - Invest 70L Employment Benefit + a portion of Stocks/MF funds to augment passive income to take care of my family expenses for life time - Options can be traditional annuity plans or BAF/Debt MF with SWP or combination, of course by considering inflation - Reinvest the maturing FDs/Bonds for wealth accumulation or for Family expenses, based on situation - Invest minimum in PPF / NPS to keep them alive Strategy-2 - Invest 70L Employment Benefit to augment passive income to take care of my family expenses, until I reach age of 60 - Re-invest maturing FDs/Bonds and a portion of Stocks/MF funds into PPF and NPS to utilize them to fullest, until age of 60 - Create Annuity / SWP plan at age of 60 with PPF + NPS + MF corpus I am considering my fixed assets (two flats, gold and two plots) for safety net. Thank you for your time and help !
Ans: You’ve done a superb job building wealth before early retirement. Your clarity is commendable.
Most investors enter retirement without a roadmap. You already have a detailed one.

The way you’re thinking—passive income, expenses, phased reinvestment—is exactly right.
And your current mix of assets gives you multiple options to structure income and growth.

Let’s assess both of your strategies, refine them, and add a more optimal approach.
Our goal is to preserve wealth, grow it steadily, and ensure income stability with peace of mind.

? Your Current Financial Strength

– Rs 2.5 Cr in Stocks and Mutual Funds is a solid foundation.
– Rs 40 Lakhs in FDs and Bonds gives you safety and liquidity.
– Rs 70 Lakhs from employment benefits gives flexibility to design post-retirement cash flow.
– Rs 10.5 Lakhs in PPF is stable and tax-free.
– Rs 4.5 Lakhs in NPS is small now but useful for long-term income.
– Rs 13.1 Lakhs per year passive income gives you breathing room.
– Rs 17 Lakhs annual expenses are reasonable and under control.
– No rent to pay adds a strong advantage.

This base gives you peace of mind and space to take informed investment decisions.

? About Direct Mutual Funds

You haven’t mentioned direct funds, but an important point here.
Avoid direct plans. They miss expert advice, timely rebalancing, and risk monitoring.
A Certified Financial Planner with MFD can tailor fund mix and withdraw strategies.
Regular plans via a CFP give you peace, continuity, and tracking over the long term.
Also, emotional investing (panic selling) is avoided when a CFP is involved.

? About Index Funds

You’ve not mentioned them, but let’s be clear about why to avoid them.
Index funds blindly copy the market. They offer no downside protection.
There is no human fund manager to rebalance or avoid market crashes.
Active funds outperform index funds in India over 5–10 year periods, post-tax too.
In retirement, we need consistent returns with lower volatility—not just market matching.
Actively managed funds give you that control and cushion. Stick to them.

? Strategy-1: Evaluate with Caution

Your plan to invest Rs 70L employment benefit + some MF to generate lifelong income is logical.
But it needs fine-tuning.

– Avoid annuity plans. They offer low returns and poor flexibility.
– BAF and Debt MFs with SWP is far more efficient.
– Use a staggered SWP from Balanced Advantage or Aggressive Hybrid funds.
– Add short-term debt MFs to smooth cash flow in volatile years.
– This approach will work better with annual review by a Certified Financial Planner.
– Reinvesting matured FDs later is a smart move. Use them based on need.
– Keeping PPF and NPS alive is good, but PPF should be topped up annually.

Verdict: This strategy is practical, but avoid annuity plans. Refine fund choices and timing.

? Strategy-2: A Structured Phased Approach

This approach aims to delay heavy withdrawals till 60. It makes sense for some.

– Using Rs 70L now for income till 60 gives your MFs time to grow.
– This creates a 2-phase plan: now till 60, and after 60.
– Reinvesting FDs and some MFs into PPF and NPS ensures tax-free, retirement-age assets.
– But NPS is less liquid. Avoid locking too much in it.
– PPF is safer and tax-free. Use it to the full Rs 1.5L limit yearly.
– SWP after 60 from MFs will work well if equity corpus is large enough.
– Use balanced or large & midcap funds for this second phase.

Verdict: This is better structured than Strategy-1.
It balances income, tax optimisation, and retirement readiness.
But NPS should not get large contributions. Its lock-in is high.

? Suggested Strategy: Hybrid of Both with Inflation-Protected Flow

Let’s create a better version. A hybrid, optimised for control, tax, growth, and flexibility.

Phase 1: Age 52 to 60 – Income Focus with Flexibility

– Use Rs 70L from employment benefits now to build an SWP-focused income engine.
– Invest in 2 parts: Rs 35L into BAFs and Aggressive Hybrid funds. Use SWP to draw Rs 10–11L per year.
– Another Rs 35L into Liquid and Short Duration Debt MFs. This gives you Rs 6–7L per year.
– Combined, you generate ~Rs 17L yearly to cover expenses.
– Keep dividend income intact. Reinvest part of it back.
– Use rent income (Rs 2.6L) to meet lifestyle needs or reinvest in PPF.
– Interest income from bonds (Rs 3L reducing to Rs 1.5L later) can be emergency buffer.
– Keep PPF alive by investing Rs 1.5L annually.
– Keep NPS active by investing Rs 50k each year (for tax saving and Tier-1 continuity).

You now have Rs 17L+ from BAF SWP + Debt MF + dividend + rent to cover needs.

No need to touch your Rs 2.5 Cr equity/MF portfolio or FDs now.

Let them grow uninterrupted.

Phase 2: Age 60 Onwards – Stability and Growth with Withdrawals

– Start using MF corpus (grown over 8 years) for income.
– Convert part of it into Monthly Income Plans or Conservative Hybrid Funds.
– Start another SWP from those funds.
– Start drawing from PPF and NPS.
– NPS gives you 60% tax-free at exit. Use that for SWP or large expense like a car, travel, or home repair.
– Reinvest matured bonds and FDs based on market conditions at that time.
– Always maintain 2 years’ worth of expenses in Liquid Funds or Arbitrage Funds for drawdown cushion.

This phased approach:

– Doesn’t lock all money.
– Keeps tax flexibility.
– Uses equity for growth.
– Uses debt for stability.
– Is inflation-conscious.
– Is scalable and trackable.

? Rebalancing Strategy

Every 6 months:

– Review MF portfolio with Certified Financial Planner.
– If equity growth exceeds 65% of the mix, move some to debt.
– If debt grows too much, move some to equity.
– This keeps you balanced.
– Helps you book profits in bull market and buy low in down market.
– Keeps emotions away and protects the base.

? Your Role as an Active Investor

You mentioned wanting to stay active. That’s wonderful.
You can take care of:

– Managing direct stocks, if confident and experienced.
– Tracking market signals to tweak your MF allocations.
– Reading quarterly fact sheets of your funds.
– Attending investor education webinars.
– Being hands-on with a Certified Financial Planner every 6–12 months.

But don’t try to control everything. Keep emotions and fear out.
Let data, discipline, and planning guide your actions.

? Risk Coverage and Safety Net

You already have fixed assets and no rent liability.
But ensure the following:

– Keep Rs 5–6L in a Liquid Fund for emergencies.
– Maintain personal health insurance till 75+ if not already in place.
– Keep a Will ready and discuss succession planning.
– Don’t use gold or plots for active planning. Keep them as fallback.

? Tax-Smart Withdrawals

– SWP from equity MFs is more tax-efficient than annuity or FD interest.
– LTCG up to Rs 1.25L/year is tax-free from equity MFs.
– Above that, taxed at 12.5%.
– Debt MF redemptions taxed as per your slab.
– So stagger withdrawals smartly with a CFP.
– Use senior citizen tax benefits after age 60 for FDs.

? Fund Strategy

Use 5–6 categories:

– BAF for base SWP
– Aggressive Hybrid for moderate returns
– Short Duration Debt for stability
– Liquid Funds for emergency and STP
– Large & Midcap or Flexicap for growth
– ELSS if 80C needed, till age 60

Don’t over-diversify. Stay focused.

? Finally

You’re in a great position. Your numbers are strong. Your ideas are grounded.
Both your strategies are thoughtful. But refining them gives more control, growth, and flexibility.
Avoid annuities, index funds, and direct plans.
Work with a Certified Financial Planner. Build a hybrid phased plan.

You’ve built wisely. Now manage that wealth to live freely.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Radheshyam

Radheshyam Zanwar  |5980 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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