Thank you very much for the reply.

Sir, To invest in SWP fund for monthly Rs.25000 withdrawl, What amount to invest in SWP and which fund is best for it?

Greetings My wife working in raiways as station master. She has great confution which pention plan is good,Ups or nps . Kindly clarify 15 years service still available

I am 50 years old, ten more years for retirement. How to invest to get 1 crore as retirement benefit

Hi Reetika, im aged 50 and have retired early. Was an NRI till 2024 and in 2025 returned to India. I was keen on investing in the mutual fund market and thus took the plunge. There were 2 aspects of my investment, a) Capital Appreciation , b) Income Growth towards monthly expenses. I had initially planned my monthly expenses post tax as 3 Lacs but having stayed here for a year Im looking at a figure of 2 lacs pm post tax. The corpus that i had set aside to invest was 7.5 Cr out of which I have done the following investments. 1) Chola Finance Perpetual Bonds 50 lacs . Coupon rate is currently 9.25 2) Sriram FD's 30 lacs @8.30 % for 3 years 3) Parag Parikh Flexi Cap Fund - 42 lacs 4) HDFC Flexi Cap Fund - 43 Lacs 5) ICICI Prudential Opportunities Fund - 17 lakhs 6) Nippon Large Cap Fund - 10 Lakhs 7) HDFC Multi Asset Active FOF - 50 Lakhs 8 ) ICICI Prudential Multi Asset Fund - 1 cr 9) ICICI Prudential Balanced Advantage Fund - 1 cr 10 ) SBI Balanced Advantage Fund - 50 Lakhs 11) SBI Gold Fund 10 Lakhs In total it comes to 5.02 Cr. Investments started in May 2025, mutual funds under regular growth. I am yet to invest further in equity funds along with multi asset and fof. Whilst im ok in investing further im just not getting the confidence in equity as of now. Maybe as im a new entrant these jitters but somehow i dont want to committ further to equities given the current situation. Please review my portfolio and suggest any changes , also whats a good time to start on SWP from my BAF funds ? The BAF i invested in Sep 2025. Request you to also suggest my further investments ( amount wise ) in the different funds and how do i time them. Many Thanks

Hi Ritika, I am 44-year-old (with old parents aged 73 years and 69 years respectively), with an overall experience of 20 years and currently out of work. I have financial outlay of around 1 lakh INR per month. I have following accrued around 2 CR INR in savings/investments in mine and parents’ name. Self 1. Cash/Bank Balance: 7,79,345 INR 2. Gold: 16,00,000 INR (at present Value) 3. Private Equity Investment: 3,00,000 INR (Current value not known) 4. EPF: 1,91,694 INR (Pension fund certificate to be issued) 5. PPF: 4,34,647 INR (maturing on March 31, 2027) 6. NPS: 7,17,082 INR (Present value, only money can be withdrawn) 7. Mutual Fund: 39,55,990 INR (present value) (Presently no SIP active) a. Kotak Midcap Fund Growth - 462074.39 INR b. Canara Robeco Large and Mid Cap Fund Growth - 232882.56 INR c. Parag Parikh Flexi Cap Fund Growth - 39890.59 INR d. UTI Floater Fund Growth - 140843.37 INR e. ICICI Prudential NASDAQ 100 Index Fund Growth - 4778.28 INR f. HDFC Hybrid Equity Fund Growth - 208010.52 INR g. ICICI Prudential Focused Equity Fund Direct Growth - 158680.09 INR h. Parag Parikh Flexi Cap Fund Growth - 906784.26 INR i. SBI Gold Fund Growth - 229485.03 INR j. Tata Large & Mid Cap Fund Growth - 525368.51 INR k. UTI Mid Cap Fund Direct Growth - 146678.84 INR l. Kotak Focused Fund Growth 500067.79 INR m. Mahindra Manulife Large & Mid Cap Fund Growth 199775.29 Parents (Both senior citizens) 1. Cash/Bank Balance: 21,85,343 INR 2. SCSS: 60,00,000 INR (receive quarterly returns 1,22,400 INR) 3. FD: 40,80,650 INR (approx. monthly return 26,500 INR) 4. RD: 2,06,397 INR (one expiring on Dec 04, 2025 and another around June 22, 2026) 5. Mutual Fund: 39,55,990 INR (present value) Mother a. HDFC Flexi Cap Direct Plan Growth - 5505.76 INR b. Nippon India Large Cap Fund Direct Growth - 5361.17 INR c. HDFC Balanced Advantage Fund Direct Growth - 5303.59 INR Father a. HDFC Flexi Cap Fund Growth - 4611.13 INR b. HDFC Mid Cap Fund Direct Growth - 5414.97 INR c. Nippon India Growth Mid Cap Fund Direct Growth - 5150.97 INR d. HDFC Transportation and Logistics Fund Growth - 5024.97 INR e. HDFC Balanced Advantage Fund Growth - 4364.43 INR f. HDFC Balanced Advantage Fund Direct Growth - 5297.8 INR Please let me know how can I rejig these investment/savings, so that I can fetch necessary returns to run my expenses, without depleting my existing corpus.

I am 59 years old andneed help.My husband has remarried without divorcing me.As he was managing my salary he diverted funds to some other account not known to me.I am now managing my accounts.The net worth of my investment is 1.5 cr. with various portfolios.Can you please suggest how to go about or how much should I have in order to lead a coordinated life.

A pvt school teacher working as a prt with basic pay of 60 k retires at the age of 53 after completing 27 years of service How much min pension will the person get and gratuity

Dear Ms Sharma, I wish to understand if what % SWP withdrawal limit say 4% or 9% or else on Portfolio value at the time of retirement.

Hello Vivek Sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000