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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 29, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Zahir Question by Zahir on Jun 28, 2025Hindi
Money

hi, i'm 47 years old working man. i have liability of 10 laks, where EMI is of Rs. 30k pm, my salary is Rs. 1,00,000. with rent of Rs. 20k, Childs school fees of Rs. 5000pm and other expenses goes to Rs. 30-35k pm. My savings are Rs. 3600 PF ( employee + employer ) SIP of Rs. 1800 pm + Rs. 2000 to my Childs saving account. i want to retired by 55 yrs of Age and want my portfolio to b Rs. 10000000.00 what is to be done.

Ans: At 47, you walk a strong path with your income, but you also have responsibilities and a clear retirement goal. You have liabilities of Rs.?10?lakhs with EMI of Rs.?30,000, rent of Rs.?20,000, a child’s school fee of Rs.?5,000, and other expenses of Rs.?30-35k. You save through PF (Rs.?3,600), SIP (Rs.?1,800), and your child’s account (Rs.?2,000). Your objective is Rs.?1 crore by age 55. That gives us eight years. Let us create a 360-degree roadmap to reach your goal.

Assessing Current Financial Health
We start by understanding where you stand today:

Monthly income: Rs.?1,00,000

Liabilities worth Rs.?10?lakhs with monthly EMI = Rs.?30,000

Rent expense = Rs.?20,000

Child’s school fee = Rs.?5,000

Other monthly outflows = Rs.?30–35,000

Monthly contribution to PF + employer = Rs.?3,600

SIP = Rs.?1,800

Child savings = Rs.?2,000

You show strong intent by saving and investing already. That is a solid base. But we need clearer savings structure and goal roadmap to reach Rs.?1 crore in eight years.

Strengthen Monthly Cash Flow
First, you need clarity on your monthly cash flow to free up resources for goal investing:

Track all expenses weekly in a simple notebook or app

Categorise spending: rent, EMI, utilities, groceries, discretionary

Cut low-value expenses (subscriptions, luxury meals, credit card interest)

Target at least 20% to 25% savings from monthly income

That would free up Rs.?20,000 to 25,000 each month

Avoid new consumer loans until EMI reduces

Build Emergency and Protection Fund
You have no mention of emergency fund yet. This must be addressed before aggressive investing:

Create an emergency buffer of 6 months of expenses

For you, that is around Rs.?3 to 4 lakhs

Keep this fund in liquid assets (sweep-in FD or liquid mutual funds)

This backup will prevent distress selling during crises

Next, insurance protection:

You are the family income earner. Term insurance is crucial

Take term cover worth 15–20 times your annual income

Purchase personal health insurance for self and family

Avoid ULIPs or investment-linked insurance plans

If you hold any LIC or ULIP now, surrender them

Re-invest proceeds into mutual funds for better growth

Manage and Optimize Liabilities
Liabilities are moderate but EMI is high considering your income:

Home/Other Loan (Rs.?10 lakh)

EMI is Rs.?30,000 per month

This EMI is around 30% of income

Keeping EMI lower gives comfort

If needed, extend loan tenure to reduce EMI

Continue paying without missing to avoid penalty

Car Loan, Personal Loans

You have not mentioned these, so track them if any

Avoid new loans (personal/car) for at least next 3–4 years

Stop using credit card for large payments

Define and Prioritise Financial Goals
You want Rs.?1 crore by age 55. That’s a clear long-term goal. But also plan for other needs:

Short-term Goals (1–2 Years)

Complete emergency fund

Clear non-home loans

Setup adequate insurance

Mid-term Goals (3–8 Years)

Accumulate Rs.?1 crore corpus by age 55

Plan for child’s higher education

Build regular savings pipes

Long-term Goals (8+ Years)

Retirement at 60 or later

Health expense buffer for old age

Legacy planning for children or spouse

Set each goal with realistic timelines and cost estimates. Writing them clarifies investment need.

Align Investments to Goals
Your current savings (PF + SIP) is small relative to goal. We need to turbocharge investments:

Systematic Investment Planning (SIP)

Increase monthly SIP to at least Rs.?15,000 now

Use actively managed equity funds only

Don’t use index funds

Why avoid index funds?

They passively track markets

No active stock selection or downside protection

Limited growth potential in volatile conditions

Lack of manager-led risk adjustments

Why choose actively managed funds?

Professional fund managers pick growth stocks

Can avoid weak sectors or companies

Better potential returns over long term

Ideal for goal-based wealth building

Regular vs Direct Plans
You must invest via regular plans through an MFD with CFP credential:

Direct plans lack periodic review

Risk of wrong fund choice is high

You may not act in turbulence

Regular plans offer:

Expert portfolio construction and rebalancing

Goal tracking and support during volatility

Emotional discipline and timely guidance

Debt vs Equity

Don’t move savings to debt now

Equity funds give better growth to reach Rs.?1 crore

Use debt hybrid funds later for stability as you near goal

Retirement Corpus Strategy
To reach Rs.?1 crore in 8 years, we need disciplined systematic investing:

Use active equity SIPs aligned to goal

Consider increased SIP after salary hikes

Review portfolio annually with your CFP

Optionally, use NPS post-tax benefit, but keep lock-in in mind

Retirement funds must remain untouched

Child Education/Marriage Corpus
While child school fees is small, future costs will rise:

Start a separate SIP for child’s higher education and marriage

Put Rs.?5,000 to Rs.?10,000 monthly depending on goal timeline

Use actively managed diversified equity/midcap funds

Rebalance as child enters higher education phase

Use Gold Sparingly for Portfolio Diversity
You may or may not hold gold:

Gold can be kept at 5% to 10% of portfolio

But it should not be your main savings route

Avoid knee-jerk buying when prices rise

No liquidation needed unless portfolio needs rebalancing

Tax Optimisation Alongside Growth
Maximise take-home income and portfolio efficiency:

Invest in ELSS funds under Section 80C

Stay under net investment limit to avoid LTCG tax stamp

For equity funds: LTCG >Rs.?1.25?lakh taxed at 12.5%

STCG taxed at 20%

Debt mutual funds follow income tax slab rates

Use 80D for health insurance deduction

Avoid insurance-related tax saving products

Control Lifestyle Inflation
Don’t let income growth erode savings:

Avoid inflated lifestyle post salary increments

No new cars, gadgets, holidays if they derail savings

Keep rent-to-income ratio comfortable

Avoid impulse purchases and EMI-based upgrades

Focus Review and Rebalance Over Time
Your plan needs periodic check-ins:

Review all SIPs and debt instruments every 12 months

Check returns against goals

Rebalance if equity exposure is too high or low

Increase SIP amounts with salary growth

Clean up underperforming funds promptly

Re-align investments as you near 55

Finally
You are 47 with eight years to build Rs.?1 crore corpus. With focused action, you can get there. Here’s your 360-degree roadmap:

Clarify monthly income, expenses, and savings

Tap in at least Rs.?20,000 monthly for goal investing

Build a Rs.?3–4 lakhs emergency fund

Take term insurance of 15–20x annual income

Take Rs.?10 lakhs health cover

Reduce EMI burden by extending or repaying responsibly

Avoid passively copying index funds

Only invest in actively managed funds

Use regular plans via MFD + CFP for discipline

Increase SIP, review yearly, rebalance regularly

Build child’s corpus separately

Control lifestyle inflation

Use tax deductions wisely

You already do well in savings. Now amplify with structured wealth building.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2025

Asked by Anonymous - Jun 10, 2025Hindi
Money
Desr sir i am 49 yrs old. Monthly income is 140000. A plot i have valuing 1.2 crore saving 20000 in ppf, 20000 rd in a bank and 10000 in mf. Have a fd of 2000000 rs in bank, and 2000000 rs as emergency fund. I have two daughters elder one is in class 11 younger in class8. As i am going to retire in 2036 thinkinb of making a sufficient portfolio. Am in government and pension is there
Ans: At 49, with government pension and steady savings, you are already on a strong track.

You still have 11–12 years till retirement.

Let’s build a 360-degree financial strategy for your retirement and your daughters’ future.

Your Financial Strengths Are Solid

Age 49 with secure monthly income of Rs 1,40,000.

You are a government employee. So, pension will be assured.

You already save Rs 50,000 monthly. That’s a strong habit.

You have Rs 20 lakh fixed deposit and Rs 20 lakh emergency fund.

Plot worth Rs 1.2 crore. Though we won’t count it for now, it adds backup.

Two daughters – elder in Class 11, younger in Class 8.

Your approach is conservative and disciplined. That is highly appreciated.

Now we must make your money work better for you.

Emergency Fund Is Healthy – But Review Allocation

You hold Rs 20 lakh as emergency fund. That is more than sufficient.

Ideally, Rs 6–8 lakh is enough as emergency for your stage.

Keep 6 months’ expenses + Rs 5 lakh for medical buffer.

Move the extra Rs 10–12 lakh into planned investment.

Keeping too much in emergency brings zero growth.

That money should support your goals instead.

PPF and RD – Low Growth Over Long Term

You are putting Rs 20,000/month in PPF and Rs 20,000/month in RD.

These are safe but give low returns.

Let us evaluate them one by one:

PPF:

Lock-in till age 60.

Gives 7% interest approx.

No regular income from it during retirement.

RD:

Fully taxable interest.

No inflation beating growth.

Returns are around 6.5% currently.

You need more growth. You also need flexibility.

These two alone will not build a sufficient retirement corpus.

Please reduce your RD and PPF contribution to Rs 10,000 each.

Free up Rs 20,000 monthly for higher growth investments.

Mutual Fund SIP – Needs Increase and Diversification

Currently, you invest Rs 10,000 in mutual funds.

This is too low given your surplus and time frame.

You are retiring in 2036. So, 11 years remain.

This is enough to benefit from equity mutual funds.

Use actively managed regular funds through a Certified Financial Planner.

Avoid direct plans:

Direct plans offer no review, guidance, or goal mapping.

They seem cheaper but lead to poor choices.

Avoid index funds:

Index funds blindly copy markets.

No strategy in falling markets.

Underperform during volatility.

You need a portfolio with flexi-cap, large & mid-cap, and hybrid equity funds.

Start with Rs 25,000/month SIP in diversified mutual funds.

Gradually increase to Rs 30,000–35,000 per month in 2 years.

Split SIP across 3–4 categories.

Let a CFP design this basket properly.

FD of Rs 20 Lakh – Re-allocate with Planning

You have Rs 20 lakh in FD.

FD gives low returns and full tax on interest.

It is not suitable for long-term wealth creation.

Here’s a better plan:

Keep Rs 5 lakh in FD for next 1–2 years’ planned expenses.

Move Rs 10–12 lakh to lump sum mutual funds with 7+ years horizon.

Use the balance Rs 3–5 lakh in a debt mutual fund for short-term needs.

This will increase returns without losing safety.

A Certified Financial Planner can map it with your goals.

Plan Your Retirement with Goal-Based Corpus Strategy

You are retiring in 2036, at age 60.

Pension will support your basic monthly needs.

But inflation will slowly reduce its power.

You need a parallel retirement corpus.

Target minimum Rs 1.5–2 crore by 2036 for comfortable future.

This must cover:

Medical costs

Lifestyle needs

Daughter’s post-marriage support

Any travel or family plans

Here’s how to do it:

Continue investing Rs 25,000–30,000 in mutual funds

Keep PPF till retirement. Don’t withdraw before

Convert part of your existing FD into equity-based funds

Review annually and rebalance as per risk

This gives you dual support: pension and portfolio income.

Daughters’ Education and Marriage – Act Now

Your elder daughter is in Class 11. She will need college funding in 1–2 years.

Your younger daughter has 4–5 years till graduation.

Plan separately for each:

Use part of FD or emergency fund for elder’s college

Begin a new SIP of Rs 10,000/month for younger one’s graduation and marriage

Target Rs 10–15 lakh per daughter in today’s cost

Increase SIP yearly as per income growth

Avoid using PPF or RDs for this.

Education and marriage are predictable goals. Mutual funds suit these.

You still have time if you begin now.

Insurance Policies – Evaluate Carefully

You didn’t mention LIC or ULIP.

If you hold any such investment-cum-insurance, please review:

LIC endowment and ULIP give poor returns

If maturity is after 2036, consider surrender and reinvest in mutual funds

Use only term insurance for risk protection

Ensure you have family floater health insurance for all

This step alone can unlock lakhs for your wealth creation.

Avoid Real Estate for Retirement or Investment

You already have a plot worth Rs 1.2 crore.

Don’t buy more property. Don’t build a house to rent or sell.

Property:

Locks huge capital

Brings legal and maintenance burden

No regular liquidity

Difficult to sell fast in emergency

Use mutual funds instead.

They are flexible, tax efficient, and goal-oriented.

Review and Rebalance Annually with a CFP

Please don’t forget this step.

Track mutual fund performance

Check if goal targets are on course

Switch poor funds if needed

Reallocate between equity and debt as you near retirement

Work with a Certified Financial Planner regularly.

Avoid DIY decisions. Avoid advice from social media or friends.

Each rupee must serve a goal.

Your Ideal Monthly Allocation Plan From Now

Your income is Rs 1,40,000/month.

You save Rs 50,000 currently. Let us reshape this:

Rs 10,000 in PPF

Rs 10,000 in RD

Rs 25,000 in mutual funds (increase to Rs 30,000 in 2 years)

Rs 5,000 in daughter’s education plan

Rs 5,000 for health premium or future term plan

Remaining Rs 90,000 covers expenses.

If you get any bonus, add to your mutual fund lump sum pool.

Use every hike to boost your SIP by 10–15%.

Finally

You are doing well already. You have strong habits and no major liabilities.

But some reallocation is needed.

Your PPF and RD are low-growth options.

Mutual funds offer flexibility and long-term returns.

Avoid direct and index funds. Use regular actively managed funds.

Build a dedicated education and retirement corpus.

Use FD and emergency cash better. Review policies if any.

Avoid property and high-tax FDs for retirement.

Your pension is a good foundation. Add mutual fund growth to build financial independence.

Please get help from a CFP for clarity and monitoring.

You are on the right path. Keep going with focus.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Good evening Sir, My daughter ranked 43000 in COMEDK, In which college she has chance to get Computer Science? Please guide Sir.
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Government-Aided and Deemed Universities
Dwarkadas J. Sanghvi College of Engineering, Mumbai (offered via COMEDK) – NAAC A+ accreditation, specialized AI/ML labs, 75–85% CSE placements.
Sir M. Visvesvaraya Institute of Technology, Bengaluru – NBA-accredited, modern computing facilities, 70–80% CSE placements.
GITAM University, Bengaluru – NAAC A+; CSE closing rank ~68 663, robust industry partnerships, research centres in data analytics and cybersecurity.

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Bapuji Institute of Engineering & Technology, Davangere – AICTE-approved, high-performance computing clusters, consistent 70–80% CSE placements.
Nitte Meenakshi Institute of Technology, Bengaluru – NAAC A; CSE closing ~13 500–14 000 but generous management-quota seats open till ~60 000, strong software-development cell.
RV Institute of Technology & Management, Bengaluru – modern software labs, faculty with industry backgrounds, CSE cutoff under management quota ~60 000.
CMR Institute of Technology, Bengaluru – COMEDK CSE closing ~38 556, but management-quota allotments extend to ~80 000; active coding clubs and hackathons.
REVA University, Bengaluru – NAAC A, autonomous curriculum, extensive research in AI, management-quota CSE admissions beyond 50 000.

Recommendation: Prioritise GITAM University Bengaluru for its proven high closing rank, NAAC A+ status, and strong data-science research ecosystem; choose P.D.A. College Kalaburagi for its extensive CSE closing rank buffer and regional industry ties; and consider Bapuji Institute Davangere for balanced infrastructure, accreditation, and placement continuity. All the BEST for Admission and a Prosperous Future!

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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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