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Dr Hemalata

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on May 25, 2023

Dr Hemalata Arora is a senior consultant who practises internal medicine at Mumbai’s Nanavati Max Super Speciality Hospital.
In a career spanning over 24 years, she has focused on managing infectious diseases, critical illnesses and lifestyle disorders.
Dr Arora completed her MBBS and MD from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in Mumbai.
She is ECFMG certified, accredited by the American Board of Internal Medicine, Diplomate of the National Board and a DNB faculty.
She was honoured with the Paul Bunn award for her promising performance in the field of infectious diseases at SUNY Upstate Medical University, New York.... more
Dnyandeo Question by Dnyandeo on May 25, 2023Hindi
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Madam my age is 57 years male. Before to years i had surgery of ca prostste i am diebetic and bp patient i am taking olmizest 10 mg for bp. And glycomet m1 morning and evening also dapaone at morning. Azuvasf at night. Walks 6 to 8 kms every day except sunday. What extra care should i take to maintain my health ok

Ans: Keeping your weight within normal range is important as well some amount of vitamin B12 and Vitamin D supplementation.
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

Asked by Anonymous - Dec 08, 2024Hindi
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My Current age in 2024 is 36 Years old. Currently I'm earning 90000 ruppes in hand salary monthly and I'm having 1 Kid of 5 Years old and we 3 Live in rented house. I'm also earning averagely 50000 rupees per month from trading and all those income investing it into 5 Small caps Mutual funds as SIP. No plan to buy house till retirement, I'll buy house after my retirement. Salary Income 90000 - All Finish. Trading Income 50000 - Invested all SIP. Now could you please suggest me how to achieve retirement corpus of 25 Crore at age of 60. My Monthly Expenses: (All 90000 Finish every month). 13500 Per month rent lifetime with increase in 10% Per year. 32500 per month Fixed - Personal Loan for next 5.5 Years. 7500 per month Fixed - Car loan for dad for next 5 Years. 12500 per month fixed - Car Loan for self for next 2.5 Years. 24000 for household expenditure for lifetime with increase in 2-3K monthly each year. My Total Assets: Mutual Fund : 14 Lakhs ETF : 13 lakhs Gold : 22 Lakhs EPF + Pension : 2.5 Lakhs FD : 1.25 Lakhs Saving : 2 Lakhs Trading Lumsum : 5 Lakhs
Ans: At 36 years, you have 24 years until your planned retirement at 60.

Your primary income is Rs. 90,000 per month, with an additional Rs. 50,000 from trading.

All salary income is used for living expenses, loans, and household costs.

Your assets include mutual funds (Rs. 14 lakhs), ETFs (Rs. 13 lakhs), gold (Rs. 22 lakhs), EPF (Rs. 2.5 lakhs), FD (Rs. 1.25 lakhs), and savings (Rs. 2 lakhs).

You aim to accumulate Rs. 25 crores for retirement, requiring focused financial planning.

Detailed Analysis of Monthly Commitments

Rent Expense

Rs. 13,500 per month, increasing by 10% annually.
Rent will grow significantly over 24 years, impacting savings potential.
Loan Repayments

Rs. 32,500 for personal loan (5.5 years).
Rs. 7,500 for car loan (5 years for your father).
Rs. 12,500 for car loan (2.5 years for yourself).
Loans will limit savings until they are fully repaid.
Household Expenditures

Current spending is Rs. 24,000 monthly.
Incremental increases will challenge future budgeting.
Investment Goals and Challenges

You aim to create a retirement corpus of Rs. 25 crores by age 60.
Current savings and investments may not suffice without significant growth.
Loan repayments and rising expenses reduce surplus cash flow.
Recommendations to Build a Rs. 25 Crore Corpus

Increase Monthly SIP Contributions

Allocate Rs. 40,000 from trading income to SIPs once loans are cleared.

Focus on equity funds with diversified large-cap, mid-cap, and flexi-cap exposure.

Small-cap funds are good for high growth but add large-cap funds for stability.

Use actively managed funds for better performance over index funds.

Optimise Your Debt Management

Focus on prepaying high-cost personal and car loans with trading profits.

Clearing loans faster will free up Rs. 52,500 monthly for investments.

Avoid unnecessary new loans until existing liabilities are cleared.

Invest Trading Profits Strategically

Allocate Rs. 10-15 lakhs from trading profits to high-growth equity funds.

Use the remaining trading income to gradually prepay loans.

Build a disciplined strategy for trading profits to avoid overexposure to risk.

Gold as a Portfolio Hedge

Retain gold holdings (Rs. 22 lakhs) as a hedge against inflation.
Do not increase gold allocation; focus on equity for higher returns.
Enhance EPF Contributions

Ensure regular EPF contributions continue from your salary.
EPF provides stable and tax-free growth for retirement.
Create an Emergency Fund

Keep Rs. 3-6 months of expenses in liquid funds or savings for emergencies.
Use part of your Rs. 1.25 lakhs in FD and Rs. 2 lakhs in savings for this purpose.
Achieving the Rs. 25 Crore Corpus

Leverage Compounding Benefits

Compounding requires time and consistent investments.
With 24 years, equity funds can generate substantial long-term returns.
Asset Allocation Strategy

Invest 70% in equity funds for high growth.
Allocate 20% to debt mutual funds for stability.
Retain 10% in gold and EPF for inflation protection.
Use Systematic Investment Plans (SIPs)

SIPs ensure disciplined investing, regardless of market fluctuations.
Gradually increase SIP amounts as loans are repaid and income rises.
Tax Efficiency in Investments

Invest in tax-saving ELSS funds within the Rs. 1.5 lakh Section 80C limit.
Plan redemptions from equity and debt funds to minimise capital gains tax.
Final Insights

Focus on prepaying loans and increasing SIP contributions after loan closures.
Diversify investments across equity, debt, and gold for long-term stability.
Use trading income and surplus cash flow strategically for prepayments and investments.
Review your portfolio annually with a Certified Financial Planner for alignment.
By following these steps, achieving a Rs. 25 crore corpus by 60 is feasible.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Relationships Expert, Mind Coach - Answered on Dec 09, 2024

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Ramalingam Kalirajan  |7237 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 09, 2024

Asked by Anonymous - Dec 07, 2024Hindi
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Money
Hi! I have 35 lacs invested in Fixed Deposits. I can keep this amount invested for next 10 years. How should I diversify this investment for maximum return. I am 38yr Male.
Ans: You have Rs. 35 lakhs in FDs, a secure and risk-free investment.

At 38 years, you can afford a higher risk appetite to maximise returns.

A 10-year horizon allows you to benefit from compounding and equity market growth.

Diversification is key for optimising returns and reducing risk exposure.

Equity Mutual Funds for Long-Term Growth

Allocate 60% of your corpus (Rs. 21 lakhs) to diversified equity mutual funds.

Invest in large-cap, mid-cap, and flexi-cap funds for balanced growth.

Equity mutual funds offer potential for high returns over a 10-year horizon.

These funds are actively managed, ensuring better performance than index funds.

Debt Funds for Stability

Allocate 20% (Rs. 7 lakhs) to high-quality debt mutual funds.

Debt funds provide stability and better post-tax returns than FDs.

Use them for medium-term needs and to reduce portfolio volatility.

Choose funds with low credit risk for better safety.

Gold as a Hedge

Allocate 10% (Rs. 3.5 lakhs) to gold via sovereign gold bonds (SGBs).

Gold provides inflation protection and portfolio diversification.

SGBs offer tax benefits and additional interest income.

PPF for Risk-Free Growth

Allocate 10% (Rs. 3.5 lakhs) to Public Provident Fund (PPF).

PPF offers tax-free returns and risk-free investment growth.

Invest the annual limit of Rs. 1.5 lakhs for full tax benefits.

Systematic Investment Approach

Move FD funds to the market gradually via a systematic transfer plan (STP).

STPs reduce market timing risk by investing systematically over time.

This approach ensures smooth transition from fixed-income to market-linked funds.

Tax Efficiency in Investments

Equity mutual funds are tax-efficient for long-term investments.

LTCG tax on equity above Rs. 1.25 lakh is 12.5%.

Debt fund gains are taxed as per your income slab.

Optimise withdrawals to minimise tax outflows.

Portfolio Review and Rebalancing

Review your portfolio annually to maintain the desired asset allocation.

Rebalance to stay aligned with market changes and financial goals.

A Certified Financial Planner can guide you for periodic adjustments.

Emergency Fund Planning

Retain a portion of your FD for emergency purposes (3-6 months' expenses).

Ensure quick access to this fund for unforeseen needs.

Final Insights

Diversify into equity, debt, gold, and PPF for balanced growth.

Focus on long-term wealth creation with a systematic and disciplined approach.

Review investments regularly to align with financial goals and market conditions.

With this plan, your Rs. 35 lakhs can grow significantly in 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Hi Ma'am, I am a 29 year old female. My parents recently found a very rich boy who they want me to marry. Initially they asked me to meet him a couple of times and then see if we are a match. However, I met him once and my experience was not great - we have different values in life. I wasn't very happy after that meeting yet I thought I should meet him a couple of times before I make any decision. But now they are building a lot of pressure on me to say yes to him. They are saying things like I will not find anyone better than this, there are no other options out there, this is as good as it gets, I will be throwing away my life if I say no, this is god's blessing that I should just accept. They also said that if I say no, they will just yes to another guy who lives in Canada. I do not understand what is suddenly happening because this was not the case a month ago and they had mentioned that it is my life and if I say no, then it will be a no and there is no pressure. I don't know what to do really, I feel like I am stuck at a cross road
Ans: Marriage is a lifelong commitment that requires more than just compatibility on paper. Shared values, mutual respect, and a genuine connection are foundational to a happy and fulfilling relationship. If you feel uncertain or uneasy after meeting this person, it’s worth honoring those feelings and giving yourself time to explore them further. One meeting is often not enough to decide, but neither is it fair for anyone to expect you to commit without clarity.

It might help to have an open and honest conversation with your parents about how this pressure is making you feel. Share your thoughts with them calmly, focusing on your perspective rather than framing it as opposition to their wishes. You could express gratitude for their care while also making it clear that you need space to make a decision that you can feel confident about. Remind them that rushing into a choice you’re not ready for could lead to regret, which is not what either of you wants.

If the pressure continues to escalate, consider involving someone you trust—maybe a relative, family friend, or counselor—who can mediate and help your parents understand your point of view. Sometimes, a neutral perspective can ease tensions and bridge the gap between what they want and what you need.

Above all, remember that this is your life and your happiness at stake. While their love and approval are important, the decision to marry should come from a place of certainty and alignment with your values and goals. It’s okay to take your time, ask for understanding, and prioritize what feels right for you. You deserve a partnership that brings joy, peace, and fulfillment, not one borne out of pressure or fear of missing out.

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Asked by Anonymous - Dec 08, 2024
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Hello mam I am really having trouble in my family right now I am like studying and also I go to academy and school I am 14 years old my father is forcing me to marry someone and that someone has has a nice job but I will love with someone who is in my academy and when I told my father about him he refused and said that there is no need to go in that Academy and I begged him to not do that and the person I am love with doesn't do a job and also is the same age as me so I told my father so many times that I don't want to marry that person because I am in love with someone else so how can a person marry someone who he doesn't even love I know my parents my father want the best for me but you know what I want to say
Ans: At 14, your focus should be on growing, learning, and discovering yourself. Marriage is a lifelong commitment that requires emotional maturity, stability, and readiness—things that naturally come with time. It’s okay to tell your father, calmly and firmly, that you’re not ready for marriage yet, regardless of who the person is. Try to express that your education and personal growth are priorities for you now, and marrying too young could prevent you from living the life you want in the future.

When it comes to the person you care about, those feelings are also important, but it’s worth remembering that both of you are still very young. Your emotions are real, but your focus on education and future goals should remain central for both of you right now. If this connection is meaningful, it can grow naturally over time without the rush or stress of marriage.

If speaking directly to your father feels too difficult, is there a trusted adult, family member, teacher, or counselor who can help you communicate your feelings? Sometimes having someone else explain your perspective can make all the difference.

Above all, you deserve to feel heard, respected, and supported in your choices. You’re not alone, and this is not a battle you have to fight by yourself. Take it one step at a time, and remember, your voice and dreams matter.

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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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