Hi Doctor, i am 41 years ( F). ..i have right shoulder adhesive capsulitis from May 2023. Till now it has not improved significantly, despite of continuous physiotheraphy..plus last 2 months i have started sidha treatments also. Now i stopped physio and started similar thokkanam treatment using herbal oils....pain has reduced but hand is still having the limitation..cant lift up to 90 deg. How long this will take to recover ?

Ans: Hello;

You have a right to seek explanation from your lender regarding principal repayment and interest payment through EMIs across the loan tenure.

Irrespective of the repo rate movement, it is financially prudent to repay the outstanding home loan in totality as you are relatively closer to retirement (10 yrs).

This will give you freedom to save more towards retirement and other goals.

Best wishes;

Ans: Hello Seelam
The probability of getting a seat for CSE is there but in tier 2 NITs but surely in IIITs. Keep a close eye on the counseling process of JOSAA. Thanks
Follow me, if you like the reply.
Radheshyam

Ans: Dear Anonymous,
It depends on how important religion is to you and your family. If you think it can cause a lot of problems later, if and when you both tell your parents about your relationship, then I would suggest avoiding this. He might love you now, but would he be able to stand up to his family when the time comes? Ask him that and think about it yourself as well before making any decision.
Best Wishes.

Ans: Dear Anonymous,
I am sorry you are standing in such a tricky situation. First of all, I want to know if you have a job? If yes, would two people's salaries together provide a comfortable life? If not, do you think his salary alone will cut it in this economy?
I want you to ask yourself the same questions. If you do not have a job yet, I would urge you to try for one. Financial independence is extremely important, especially for women. Now, I cannot comment on the caste thing, because the seriousness of that differs from family to family, but if it is earning that is bothering your parents, you can wait a bit and aim for a higher-salaried job and pitch in the same idea. Or at least, show your parents that you and your parents are willing to put in the work. Their concerns about income are not completely baseless, because once life becomes uncomfortable, love can take a backseat. Focus on building a better career and then get married. Do this for yourself, and not just for your parents.
Hope this helps

Ans: Hello;

EPS is NOT deducted from VPF contribution.

Best wishes;

Ans: Hi
Mentioning the percentile would be difficult, but for CSE, you need a category rank under 200 and for mech, under 3K.

Ans: Your goal is clear—retirement and world travel with your wife. You have built a strong financial foundation. Now, structuring your investments for lifelong cash flow is important.

Assessing Your Current Financial Position
Income: Rs. 35 lakh annual income from work abroad.

Assets: Rs. 3.5 crore in NRI fixed deposits, Rs. 20 lakh in mutual funds.

Investments: SIP of Rs. 3 lakh per year.

Real Estate: Own bungalow and flat in Gujarat.

Family Responsibility: Daughter pursuing a master's degree in the U.S.A.

Retirement Goal: Financial independence and world travel.

Key Challenges in Retirement Planning
Cash Flow Management: Ensuring a steady income for expenses.

Inflation Risk: Expenses will rise over time, reducing purchasing power.

Investment Growth: Maintaining and growing wealth to last a lifetime.

Liquidity Needs: Quick access to funds for travel and emergencies.

Tax Efficiency: Minimizing tax burden on withdrawals.

Retirement Corpus Planning
1. Estimating Annual Expenses
Consider monthly lifestyle costs, medical expenses, and travel budgets.

Account for inflation, as costs will rise over time.

Keep an emergency fund to handle unexpected expenses.

2. Generating Regular Cash Flow
Fixed Deposits (FDs): Provide safety but lower returns after tax.

Systematic Withdrawal Plan (SWP): Ideal for steady monthly income.

Dividend-paying Mutual Funds: Useful for passive cash flow.

Corporate Bonds: Can provide stable interest income.

Optimizing Your Investment Portfolio
1. Reducing FD Dependence
Rs. 3.5 crore in FDs is too high. Interest rates may not beat inflation.

Shift a portion into mutual funds with a mix of equity and debt.

Debt mutual funds can provide stability with better tax efficiency.

2. Equity Exposure for Growth
Equity is necessary for long-term wealth growth.

Consider large-cap and multi-cap mutual funds for stability.

Keep a portion in international funds for global exposure.

3. Debt Investments for Stability
Short-term debt funds are good for liquidity.

Corporate bond funds can offer better returns than FDs.

Select tax-efficient debt instruments for fixed income.

Funding Your Travel Goals
Create a dedicated "Travel Fund" for expenses.

Use SWP from mutual funds to generate travel cash flow.

Avoid dipping into principal amount to maintain financial security.

Tax Planning for Retirement
1. Taxation on Withdrawals
SWP from equity mutual funds attracts LTCG tax after Rs. 1.25 lakh gains.

Debt fund withdrawals are taxed as per income slab.

Optimize withdrawals to reduce tax burden.

2. NRI Tax Considerations
Check tax liabilities in India and your resident country.

Double taxation treaties can help reduce excess taxation.

Plan withdrawals carefully to avoid tax inefficiencies.

Estate Planning and Succession
Create a will for asset distribution.

Nominate beneficiaries in mutual funds and FDs.

Consider gifting assets to your daughter for tax benefits.

Final Insights
Reduce FD dependency and shift towards mutual funds.

Maintain a balance between equity and debt investments.

Structure cash flow using SWP and tax-efficient investments.

Plan withdrawals wisely to minimize tax impact.

Set aside a dedicated travel fund for world exploration.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: Hi,
It's important to note that we can't judge universities or colleges solely based on their overall reputation. Each university offers a variety of programs and courses, making it difficult to make a blanket statement. It's similar to asking a parent to choose their favorite child; every program has its strengths and weaknesses. Therefore, specific comparisons can be made, but broad judgments are often misleading.
The rankings of the universities or colleges are the same.

I believe you will share my perspective on this matter.

with regards

POOCHO. LIFE CHANGE KARO.

Ans: Your question on short-term mutual fund investment is important. Let’s assess if this is the right time and how to approach it.

Understanding Short-Term Investments in Mutual Funds
1. Market Conditions and Short-Term Investments
The Indian stock market is currently experiencing volatility.

Global economic uncertainties and interest rate policies are influencing market movements.

Short-term investments depend on market cycles and liquidity needs.

If invested for a short period, market timing plays a crucial role.

2. Risk vs. Reward in Short-Term Investing
Short-term mutual fund investments carry risks due to market fluctuations.

Equity funds may not be ideal for short-term goals due to volatility.

Debt funds can provide stability but may have lower returns than equities.

Risk assessment is necessary before investing for the short term.

3. Ideal Fund Categories for Short-Term Investment
Ultra-short duration funds: Suitable for 3–6 months with lower risk.

Short-duration funds: Ideal for 1–3 years with moderate risk.

Liquid funds: Best for parking surplus funds for a few months.

Corporate bond funds: Offer slightly higher returns but come with credit risk.

Key Factors to Consider Before Investing
1. Investment Horizon
Define the exact period you wish to stay invested.

If less than one year, avoid equity mutual funds.

If 1–3 years, prefer high-quality debt funds.

2. Liquidity Needs
Short-term investments should be easily accessible when needed.

Debt mutual funds offer better liquidity than FDs for short-term goals.

Exit loads and redemption timeframes should be checked before investing.

3. Taxation Impact on Returns
Debt mutual fund gains are taxed as per your income slab.

Short-term capital gains (STCG) on equity funds are taxed at 20%.

Consider post-tax returns while comparing investment options.

Evaluating Alternatives for Short-Term Investments
1. Fixed Deposits vs. Debt Mutual Funds
Bank FDs provide fixed returns but may have lower post-tax returns.

Debt mutual funds offer flexibility and tax-efficient returns.

FDs may be suitable if interest rates remain high.

2. Arbitrage Funds for Short-Term Investment
Arbitrage funds invest in equity but work like debt funds in terms of risk.

Tax-efficient for holding periods beyond one year.

Suitable for those seeking stability with slightly better returns than FDs.

Final Insights
Short-term mutual fund investments require careful selection based on the time horizon.

Debt funds are better suited for stability, while arbitrage funds offer tax efficiency.

Consider liquidity, taxation, and risk factors before investing.

Market fluctuations can impact short-term returns in equity funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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