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Dentist - Answered on Jul 08, 2024

Dr Shyam Jamalabad holds a bachelor’s degree in dental surgery from Government Dental College and Hospital, St George Hospital, Mumbai. He has been practising independently at his clinic in Mumbai since 1983.His patients range from celebrities to slum dwellers.... more
Asked by Anonymous - Jul 08, 2024Hindi
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MY WIFE S MOUTH SMELL BAD BREATH

Ans: Hello
Please have her oral health evaluated by a dentist. There can be many causes for bad breath. It could be something simple like dehydration, or inadequate brushing. Or something a little more serious like decayed teeth, infected gums or even infections of the respiratory or digestive systems. Once the exact cause is determined it can easily be treated.
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Ramalingam

Ramalingam Kalirajan  |4839 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 06, 2024Hindi
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Hi sir, I am aging 37 years. I have built house in my native and its present value is Rs 45 lakh. With housing loan of Rs 9 lakh and getting only 6k rent. As I am working in corporate company in Blore. And no plans to go back to my native for next 10 years. So plz guide me shall i sell this house and invest elsewhere. If yes. Plz guide me which is the best option for long term means for next 10 years investment. Thank u .
Ans: Current Situation Analysis

Your house in your native place is valued at Rs 45 lakh, with a housing loan of Rs 9 lakh. The rental income of Rs 6,000 per month may not be sufficient to justify holding the property if you are not planning to return in the next 10 years.

Evaluating the Options

Selling the House: Pros and Cons

Pros:

You can clear the housing loan of Rs 9 lakh.

You can invest the proceeds in higher-return assets.

Eliminates the hassle of managing a rental property.

Cons:

You may lose potential appreciation in property value.

Emotional attachment to the property.

Investment Options for Long Term

1. Mutual Funds:

Equity Mutual Funds: Suitable for long-term growth. Diversify across sectors and companies.

Hybrid Mutual Funds: Mix of equity and debt. Provides balanced growth with some stability.

2. Public Provident Fund (PPF):

Safe and tax-efficient.

Offers decent returns over the long term.

3. Systematic Investment Plans (SIPs):

Regular, disciplined investment in mutual funds.

Beneficial for averaging out market volatility.

4. Debt Mutual Funds:

For stability and regular income.

Less risky compared to equity mutual funds.

Final Insights

Selling the house and clearing the loan can free up capital for more productive investments. Diversifying into mutual funds, PPF, and SIPs can provide balanced growth and stability over the next 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |4839 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 06, 2024Hindi
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I am earning 1.2 lakh per month. Age 29 unmarried, Money for marriage is adjusted.I have a house and planning to buy another one probably 1cr . An lic policy of yearly premium of 25k. My savings are 5 lakhs. As of now I can invest 40k per month. I want liquid corpus of 1cr by age 50 and children education planning.
Ans: Monthly Income and Savings
You earn Rs. 1.2 lakh per month.

You save Rs. 40,000 per month.

You have Rs. 5 lakhs in savings.

Your LIC policy has a yearly premium of Rs. 25,000.

Investment Goals
You want Rs. 1 crore by age 50.

You plan for your children's education.

You plan to buy a house worth Rs. 1 crore.

Investment Strategy
Invest in a mix of equity and debt funds.

Focus on actively managed funds for better returns.

Consider SIPs for regular investments.

Liquid Corpus Goal
Aim for a diversified portfolio.

Allocate funds to equity for growth.

Include debt funds for stability.

Children's Education Planning
Start early to benefit from compounding.

Invest in children's plans and education funds.

Review and adjust the portfolio regularly.

House Purchase Plan
Ensure your investments align with your house purchase goal.

Keep your house purchase timeline in mind.

Insurance and Savings
Review your LIC policy for adequacy.

Consider additional term insurance if needed.

Professional Guidance
A Certified Financial Planner can help optimize your plan.

Regularly review your portfolio with your planner.

Final Insights
Maintain a disciplined investment approach.

Regularly review and adjust your goals.

Seek professional advice when needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |4839 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

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Dear Sir/Madam i have an savings of 1.22CR i have invested in MF and some amount in FD also, want to ask you is it better to invest in FD as i am retiring next year by April thanks.
Ans: Evaluation of Current Investments

Your current savings of Rs 1.22 crore is commendable. Having investments in mutual funds and fixed deposits shows a balanced approach.

However, evaluating the need for fixed deposits is crucial. Fixed deposits offer safety but low returns compared to mutual funds. Since you are retiring soon, it is essential to assess the balance between safety and growth.

Fixed Deposits: Pros and Cons

Pros:

Fixed deposits provide guaranteed returns.

They are safe and secure investments.

Liquidity is available but may come with penalties.

Cons:

Returns are lower compared to mutual funds.

Interest earned is taxable.

Inflation can erode the real value of returns.

Mutual Funds: Pros and Cons

Pros:

Potential for higher returns compared to fixed deposits.

Diversified investments reduce risk.

Flexibility to choose funds based on risk appetite and goals.

Cons:

Returns are market-linked and can fluctuate.

Requires regular monitoring.

May involve higher costs if not chosen wisely.

Assessing Your Needs

Given your retirement plan next year, stability and income generation become essential. Fixed deposits provide stability, but mutual funds can offer growth. A mix of both can provide balance.

Strategy for Retirement

Consider maintaining a portion in fixed deposits for safety. This portion can cover short-term needs. The rest can remain in mutual funds for growth. This strategy ensures a balance between safety and potential returns.

Final Insights

Your proactive approach is commendable. Maintaining safety with fixed deposits and growth with mutual funds can serve you well. Regular reviews with a Certified Financial Planner can ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |4839 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 29, 2024Hindi
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I am a retired Central Government officer. I have 2.75 crores FD’s, saving accounts 75 lakhs, 10 lakhs gold, SIP 25k per month. I get pension of 60k a month and my children give me 60k towards loan advanced to them. My monthly expenses are Rs. 1 to 1.25 lakhs. Am I comfortable?
Ans: Financial Assessment

Your current financial position is strong. Here’s a breakdown:

Fixed Deposits (FDs): Rs 2.75 crores

Savings Accounts: Rs 75 lakhs

Gold: Rs 10 lakhs

SIP: Rs 25,000 per month

Pension Income: Rs 60,000 per month

Children's Contribution: Rs 60,000 per month

Monthly Expenses: Rs 1 to 1.25 lakhs

Income and Expenses Analysis

Monthly Income:
Pension: Rs 60,000

Children’s Contribution: Rs 60,000

Total Monthly Income: Rs 1,20,000

Monthly Expenses:
Range: Rs 1,00,000 to Rs 1,25,000

Surplus and Comfort Level

Monthly Surplus:
Minimum Surplus: Rs 1,20,000 - Rs 1,25,000 = (-Rs 5,000)

Maximum Surplus: Rs 1,20,000 - Rs 1,00,000 = Rs 20,000

Investment Income:
Interest from FDs and savings can supplement your income.

Financial Security

Fixed Deposits:
Provide a stable income through interest. Ensure to reinvest the interest income.

Savings Accounts:
Keep a portion for liquidity and emergencies. Consider transferring excess funds to higher-yielding investments.

Gold:
Acts as a hedge against inflation. No need for additional gold investments.

SIP and Future Planning

Systematic Investment Plan (SIP):
Continue SIP for growth. Consider diversifying into balanced or debt funds for stability.

Emergency Fund:
Maintain an emergency fund of 6-12 months’ expenses in liquid assets.

Final Insights

Your current financial situation is comfortable. Your monthly income meets your expenses, and you have substantial savings and investments. Continue SIP and review your portfolio annually. Ensure a portion of your savings is liquid for emergencies.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |4839 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 02, 2024Hindi
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I am 26 years old, earning around 70k per month. I have 25 lakhs flat from my parents but they have no earning. so I want to buy a flat worth 50 lakhs at least and a car as well as build an emergency fund. I want to do everything before I turn 30 so that I can get married. How shall I plan all these?
Ans: Current Financial Overview
Age: 26 years old
Monthly Income: Rs. 70,000
Assets: Rs. 25 lakhs flat from parents
Parents' Earnings: None
Goals Before Age 30
Buy a flat worth Rs. 50 lakhs
Buy a car
Build an emergency fund
Prepare for marriage
Financial Planning Strategy
Emergency Fund
Recommendation: Start by building an emergency fund.

Amount: 6 months of expenses (approximately Rs. 3-4 lakhs)

Investment: Put this amount in a liquid fund or high-interest savings account.

Reason: Provides a safety net for unexpected expenses.

Buying a Flat
Current Flat: Rs. 25 lakhs

Target Flat: Rs. 50 lakhs

Difference: Rs. 25 lakhs

Recommendation: Take a home loan for Rs. 25 lakhs.

EMI Calculation: With a tenure of 20 years and an interest rate of 7%, your EMI will be around Rs. 19,400.

Reason: Leverages your income to afford the flat.

Buying a Car
Budget: Rs. 7-8 lakhs for a mid-range car.

Recommendation: Opt for a car loan or save for the next two years.

Down Payment: Save Rs. 2-3 lakhs for the down payment.

Loan Amount: Rs. 5-6 lakhs with an EMI of around Rs. 10,000 for 5 years.

Reason: Manageable EMIs without straining your finances.

Monthly Budget Allocation
Emergency Fund: Save Rs. 15,000 per month until you reach Rs. 4 lakhs.

Home Loan EMI: Rs. 19,400 per month.

Car Loan EMI: Rs. 10,000 per month.

Living Expenses: Rs. 20,000 per month.

Savings/Investments: Rs. 5,600 per month.

Investment Strategy
Short-term Savings: Use a high-interest savings account or liquid funds for the emergency fund.

Medium-term Goals: Consider recurring deposits or debt mutual funds for saving towards the car down payment.

Long-term Investments: Invest in SIPs in mutual funds for wealth creation and future needs like marriage expenses.

Final Insights
Emergency Fund: Build it first, Rs. 15,000 per month.
Home Loan: Take Rs. 25 lakhs loan, EMI around Rs. 19,400.
Car Loan: Plan for Rs. 10,000 EMI, save for the down payment.
Budgeting: Allocate your income to manage loans, expenses, and savings.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |4839 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

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I am investing : 2000 in SBI PSU mutual fund, 2000 in Quant Small Cap Fund direct growth, 1000 in SBI Small Cap Fund, 1000 in Aditya Birla PSU Equity Fund, 1000 for ICICI Infrastructure Fund . I need 20 lac after year. Pls suggest .
Ans: Current Investment Overview

You are investing Rs 7,000 monthly in various mutual funds. Your goal is to accumulate Rs 20 lakhs in one year.

Assessment of Current Portfolio

SBI PSU Mutual Fund:
Focuses on public sector units. It's sector-specific and carries higher risk.
Quant Small Cap Fund Direct Growth:
Invests in small-cap companies. High risk with potential for high returns.
SBI Small Cap Fund:
Another small-cap fund. High growth potential but volatile.
Aditya Birla PSU Equity Fund:
Similar to SBI PSU fund, with sector-specific risk.
ICICI Infrastructure Fund:
Invests in infrastructure sector. Sector-specific risks apply.

Investment Strategy Adjustment

Balanced Portfolio:
Diversify investments into balanced funds for stability. This helps mitigate sector-specific risks.

Debt Funds:
Consider investing in debt funds for stability and lower risk. They provide more predictable returns.

Equity Funds:
Maintain some investment in equity funds for growth. Choose funds with a good track record.

Achieving the Rs 20 Lakh Goal

Lump Sum Investment:
Consider a lump sum investment in a balanced fund or debt fund. This could help you reach your goal with lower risk.

Increase SIP Amount:
Increasing your SIP amount will boost your savings. Focus on funds with consistent returns.

Short-Term Debt Funds:
Invest in short-term debt funds for better returns than a savings account or FD. They are less volatile.

Final Insights

Your current investments are sector-specific and high-risk. Diversifying into balanced and debt funds will provide stability. Increasing your SIP amount or making a lump sum investment in a balanced fund can help achieve your Rs 20 lakh goal in one year.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |4839 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 17, 2024Hindi
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Hi, I am 63 retired having Rs 130 lakhs in FDs. I have two apartments debt free and yearly medical insurance payment of 30000 please advise how to re-plan my investments to achieve maximum savings and with monthly expense of Rs 50000.
Ans: Current Financial Overview
Age: 63 years old
Status: Retired
Investments: Rs. 130 lakhs in fixed deposits
Assets: Two debt-free apartments
Medical Insurance: Annual payment of Rs. 30,000
Monthly Expenses: Rs. 50,000
Investment Replanning Strategy
Emergency Fund
Recommendation: Keep Rs. 10 lakhs in a liquid fund or savings account for emergencies.

Reason: This ensures quick access to funds without penalties.

Monthly Income Generation
Recommendation: Invest Rs. 60 lakhs in a mix of debt mutual funds and Senior Citizen Savings Scheme (SCSS).

Reason: Debt mutual funds offer stability and better returns than FDs. SCSS offers attractive interest rates and is a safe investment for senior citizens.

Long-term Growth
Recommendation: Allocate Rs. 40 lakhs in balanced or hybrid mutual funds.

Reason: These funds balance risk and reward, offering potential for capital appreciation while providing stability.

Health Insurance
Recommendation: Ensure your health insurance covers adequate medical expenses.

Reason: Rising healthcare costs can deplete savings quickly.

Diversification
Recommendation: Diversify Rs. 20 lakhs across different investment vehicles like corporate bonds, gold funds, or international funds.

Reason: Diversification reduces risk and enhances potential returns.

Income Strategy for Monthly Expenses
Withdrawals: Set up a systematic withdrawal plan (SWP) from debt mutual funds for monthly income.

Monthly Withdrawal: Rs. 50,000 to cover monthly expenses.

Reason: SWPs provide a regular income stream while allowing the principal to grow or remain stable.

Final Insights
Emergency Fund: Maintain Rs. 10 lakhs in a liquid fund for emergencies.

Monthly Income: Use debt mutual funds and SCSS to generate monthly income.

Long-term Growth: Invest in balanced mutual funds for growth and stability.

Health Insurance: Ensure adequate coverage for medical expenses.

Diversification: Spread Rs. 20 lakhs across different asset classes for risk management.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

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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