Which career option will be better b. Com or bba

Ans: He can do MBA from India. To do MBA from India you need nothave degree from India. You can apply as foreign student. Ensure your international degree is recognized by the Association of Indian Universities (AIU) if applying to certain public institutions, though most top private business schools recognize accredited international degrees. You will have to write entrance tests like CAT / GMAT ...

Ans: Hi Sarvothama,

You are doing great with your iverall investments at such age. Early investment really helps you in the long run. Let us analyse everything in detail:
1. Make sure to have ample emrgency fund in FD or liquid funds.
2. You should have proper term insurance and health insurance for yourself and family. As your spouse is working, she should also have an independent term insurance.
3. 8 lakhs in FD - can be treated as your emergency fund.
4. 6 lakhs in PPF - not recommended as a=you must have your EPF being an IT Professional. PPF is just like EPF, hence make minimum contributions to keep the account active and close it when 15 years tenure is over.
5. Health policy - 5 lakhs >> insufficient keeping in mind rising medical costs. Increase it to a minimum of 25 lakhs family floater for yourself and spouse.
6. 15 lakhs PLI - continue.
7. 15 lakhs + 60k monthly SIP in mutual funds. Very good and you should continue. However, the funds chosen are not exactly great. Entire allocation needs a proper plan in alignment to your profile and long term goal. It is better to work with a professional to choose better funds for your 20+ years goal.
I will not recommend continuing your SIPs in - Quant ELSS, HDFC Retirement Savings, Nippon multi asset and Focused Equity fund.

Hence overall reallocation and distribution in required here.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Ashish,

You have long 16 years till your retirement and proper guided investment can do wonders with your monthly SIPs.
Your concern regarding Nippon Small Cap fund is genuine but this is exactly how markets work. One cannot expect their money to double in an overnight. It needs patience and proper plan to generate even bare minimum of 12% annual return.

I see all the funds you invest in are direct funds. while direct funds are more preferred as they have lower expense ratio of about 0.5%, regular funds are better as they come with proper plan and guidance throughout.
Generating 2-4% returns in these types of direct funds v/s getting 12% return in regular funds - there is always an option.

However, continue with Nippon small cap, Parag Parikh Flexicap, and Motilal Oswal Midcap fund. Stop SIPs in other funds and work with a proper advisor to redirect these funds into better new funds.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Srinivas,

The fund you mentioned is a sectoral fund and these works like this only. It is not recommended to invest blindly in a random fund and lose your hard earned money.
Stop this SIP and consult a professional to start afresh. Go for a multi cap fund.

Or better work with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi,

I understand that 3 of you come under salary bracket of 6 to 8 lakhs. And you want to know products suitable for you and both sons. Let us discuss pros and cons of each below along with other major necessities you should have:

- As a family, have a dedicated emergency fund of 6 months worth expenses in FD. If your monthly expense is 50k, have 3 lakhs FD and if monthly expense is 1 lakh, habe 6 lakhs worth FD. This fund will safeguard your expenses in case of any uncertain situation.
- As earning members, all of you should have a pure term cover of 1 crore each. Make sure to take proper term insurance and do not mix with any other rider / policy.
- Proper health insurance for family. Avoid mixing it with wealth policies and other policies. Buy proper health insurance for whole family. Can go for HDFC Ergo as it has the highest claim settlement ratio. Avoid going for cheaper premium policies.

Now, when these 3 requirements are done, start investing the surplus to meet your financial goals. Firstly, list all financial goals and invest.
- SBI Life policies - not recommended. Go for proper Term Insurance of Max Life or HDFC Life.
- Wealth Policies - not recommended as these come with high commission end products. It is always better to keep insurance and investment separate. One shall not expect insurance premiums as investment, insurance is always a cover against unforeseen risk and it should be kept like that.
Hence, do not mix your insurance with investment. Avoid all wealth policies and ULIPs and LIC policies.

For investment, choose the following:
- PPF - not recommended if you have an ongoing EPF.
- NPS - not for your sons as the amounts will be locked till 60 years.
- MF - recommended for all. you can choose from a variety of equity and debt instruments wrt your goals and risk capacity. It will generate upto 15% annual returns to meet your financial goals. Funds in MF is not locked and flexible.
- FD - use it only for emergency fund.
- Share market - not recommended. The way you will not google and cure yourself for an illness, same way you cannot google and invest. Take proper help.

You should work with an advisor who will understand your risk appetite and make an investment plan for your family.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi Madhusudan,

Expecting a better yield in 6 to 8 months is not a good idea. For such short term, capital preservation is the only choice. Park this entire amount in an FD and avoid looking for alternatives.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Dear Sir,

The information provided is insufficient. I kindly request you to provide the following details:

1. Did she complete her HSC in Karnataka, or did she complete her entire schooling there?
2. When did you move from Tamil Nadu (TN) to Karnataka (KA)?
3. What address have you mentioned on her Aadhaar, ration card, etc.?
4. If she pursued her schooling in Karnataka, did she choose Kannada as one of her languages?
BEST REGARDS

Ans: Appreciate your timely observation and honesty in reviewing your investment. Many investors ignore such sharp movements. You noticed it early, which itself is a strength.

» Understanding What Happened
– Silver is a highly volatile asset
– Price movements are driven by global factors, not business growth
– Sharp rises are often followed by sharp corrections
– A 60 percent short-term rise was abnormal and not sustainable

» Nature of Silver as an Asset
– Silver does not generate earnings or cash flow
– Returns come only from price movement
– It does not compound like equity mutual funds
– Long-term wealth creation from silver is uncertain

» Risk of Staying Fully Invested
– High volatility can test patience and emotions
– Gains can reduce very fast, as you already experienced
– If markets turn against commodities, recovery may take long
– Silver should not be treated as a core long-term investment

» Direct Fund Concern
– You are holding a Direct Fund, which lacks professional handholding
– No Certified Financial Planner is guiding entry, exit, or allocation
– In volatile assets like silver, emotional decisions are common
– Regular funds through an MFD with CFP credential help manage timing and discipline

» Decision Insight: Stay or Withdraw
– If the investment was made for short-term profit, partial or full exit is sensible
– Booking gains protects capital and avoids regret
– If held for diversification, allocation should be very limited
– Silver exposure should never dominate a long-term portfolio

» Better Portfolio Alignment
– Long-term goals need assets that grow steadily
– Actively managed equity mutual funds adjust to market cycles
– They reduce downside risk through active decisions
– This supports your wealth goal better than commodities

» Tax Awareness
– Short-term gains on such investments can attract higher tax
– Frequent entry and exit reduces post-tax return
– Discipline matters more than timing in long-term planning

» Finally
– Do not let recent high returns anchor your decision
– Protect gains where the asset lacks compounding power
– Keep commodities as a small support, not a return engine
– Align investments with goals, not market excitement

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: Appreciate your discipline and clarity at a young age. A monthly SIP of Rs 55,000 across two portfolios, a long holding period, and a clear target already put you ahead of many investors. Your question is practical and well-thought.

» Current Position and Direction
– Age 38 gives you time, which is the biggest strength in wealth creation
– Existing corpus of around Rs 24 lakh provides a good base
– Nine years is a meaningful but not very long horizon, so portfolio balance matters
– Moderate to high risk profile is suitable, but risk must be controlled, not pushed blindly

» Target Corpus Reality Check
– A target of Rs 1.75 Cr to Rs 2 Cr by 2035 is ambitious but possible
– With the current SIP alone, reaching the higher end will be challenging without increases
– Markets do not grow in straight lines; returns will be uneven across years
– The gap between “possible” and “comfortable” will be filled by step-ups, not by taking extra risk

» Need for Yearly Step-Ups
– Yearly SIP step-up is strongly recommended
– Even a small annual increase linked to income growth improves probability a lot
– Step-ups reduce pressure on returns and improve outcome consistency
– This approach respects your risk profile and avoids stress during market volatility

» Portfolio Structure Assessment
– Overall equity exposure is on the higher side, which suits your age
– Mid-oriented exposure is meaningful, but concentration risk must be watched
– Flexi and diversified equity funds play a stabilising role and should remain core
– Having two portfolios is fine, but both are moving in a similar direction

» Observations on Overseas and Passive-Style Exposure
– Exposure linked to overseas market trackers increases currency and policy risk
– Passive-style funds move exactly with the market and do not protect on the downside
– In falling or sideways markets, there is no decision-making support
– Actively managed equity funds can shift sectors, reduce cash burn, and manage risk better
– For long goals, active management adds value through discipline, not prediction

» Commodity-Linked Allocations Insight
– Gold and silver-linked funds are not growth assets
– They do not compound like equity over long periods
– Such allocations are useful only as small stabilisers, not return drivers
– Higher allocation here may slow your journey towards the target corpus

» Diversification and Overlap Check
– Multiple funds with similar styles may create overlap without adding value
– Too many themes dilute focus and tracking ability
– A cleaner structure with clear roles for each fund improves control
– Both portfolios can be aligned better to avoid duplication

» Tax Awareness for Long-Term Planning
– Equity mutual fund gains beyond Rs 1.25 lakh are taxed at 12.5% for long term
– Short-term equity gains attract higher tax, so holding discipline is important
– Churn and frequent switching reduce post-tax returns
– A stable portfolio is more tax-efficient than an active trading mindset

» What Changes Are Sensible
– Reduce dependence on passive or commodity-linked exposure
– Strengthen core actively managed diversified equity allocation
– Maintain balance between growth and stability, not themes
– Introduce annual SIP step-ups aligned with income growth
– Review once a year, not every market cycle

» Final Insights
– Your goal is achievable with discipline, not aggression
– Time, consistency, and step-ups will matter more than chasing returns
– Simplification will improve clarity and confidence
– Staying invested during dull phases will decide success more than fund selection

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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