Sir, I'm 48 and planning to retire in next 7 years. Having son in XIIth class and daughter in Xth. I will need 1cr for their education. Monthly income 2.4L. Expenses approx 1.6L pm. No loans. Currently, self occupied flat worth 1.5cr, rental income of ₹33000 from 2nd flat worth 1.1cr, 1.5cr in company PF, 55L MF+Shares, 15L FD+NPS. Will receive retirement benefits of approx. 50L. No pension. Will need 2L pm after retirement. Please suggest.

Ans: You are 39 years old, the sole earner in your family, and earn Rs 1 lakh per month. You have a home loan of Rs 23 lakhs and contribute Rs 5200 per month to the NPS. You also have a term plan of Rs 1 crore. Your primary financial goals are planning for retirement and your children’s higher education.

Setting Financial Goals
Retirement Planning: Ensure a comfortable retirement with adequate savings.

Children’s Education: Save for your daughter and son’s higher education.

Monthly Savings and Investments
You need to allocate a portion of your income to systematic savings and investments to meet these goals.

Assessing Current Commitments
Home Loan: You have a home loan of Rs 23 lakhs. Ensure timely EMI payments to manage this debt efficiently.

NPS Contribution: You are already contributing to the NPS, which will aid in your retirement planning.

Retirement Planning
Diversified Retirement Portfolio
Equity Mutual Funds: Allocate a portion of your savings to equity mutual funds. These funds provide high returns over the long term, helping you build a substantial corpus.

Debt Mutual Funds: These funds provide stability and lower risk, balancing your portfolio.

Systematic Investment Plan (SIP)
Regular SIPs: Start a SIP in equity mutual funds to build wealth systematically. This approach benefits from rupee cost averaging and compounding.

Increase SIP Amount Annually: Increase your SIP contributions by 5-10% annually to match inflation and income growth.

National Pension System (NPS)
Continue NPS Contributions: The NPS is a good tool for retirement savings. Continue your monthly contributions of Rs 5200.

Review NPS Allocation: Ensure your NPS investments are well-diversified between equity, corporate bonds, and government securities.

Children’s Education Planning
Education Savings Plans
Dedicated Education Funds: Invest in plans specifically designed for children’s education. These plans help build a dedicated corpus for your children’s future needs.

Balanced Portfolio: A mix of equity and debt funds can provide growth and stability for education planning.

Sukanya Samriddhi Yojana (for daughters)
Sukanya Samriddhi Account: If you have a daughter, consider investing in this scheme. It offers attractive interest rates and tax benefits.
Calculating Required Corpus
Estimate Education Costs
Higher Education Costs: Estimate the future costs of higher education for both children. This will help in determining the amount you need to save.

Regular Contributions: Make regular contributions to education savings plans to accumulate the required corpus.

Risk Management
Insurance Coverage
Term Insurance: You already have a term insurance plan of Rs 1 crore. Ensure it is adequate to cover your family’s needs in case of unforeseen events.
Emergency Fund
Maintain Emergency Fund: Maintain an emergency fund equivalent to 6-12 months of expenses. This fund will provide financial security during emergencies.
Benefits of Actively Managed Funds
Professional Management
Expertise: Actively managed funds benefit from the expertise of professional fund managers who make informed investment decisions.

Market Opportunities: Fund managers can exploit market opportunities to achieve higher returns.

Disadvantages of Index Funds
Limited Returns: Index funds only aim to match the market returns, not outperform it.

Lack of Flexibility: They lack the flexibility to react quickly to market changes.

Direct Funds vs Regular Funds
Disadvantages of Direct Funds
No Guidance: Direct funds do not offer professional guidance, which is crucial for optimal investment decisions.

Time-Consuming: Managing direct investments can be complex and time-consuming without expert help.

Benefits of Regular Funds via MFD with CFP Credential
Expert Advice: Regular funds provide access to certified financial planners who can offer tailored advice.

Better Performance: Professional management often results in better performance compared to self-managed direct funds.

Comprehensive Planning: Investing through a CFP ensures a holistic approach to financial planning.

Achieving Your Financial Goals
Regular Savings
Discipline: Regular savings and disciplined investments are key to achieving your financial goals.

Review and Adjust: Regularly review your portfolio and adjust based on performance and changing goals.

Increasing Contributions
Annual Increases: Increase your investment contributions by 5-10% annually to keep pace with income growth and inflation.
Professional Guidance
Consult a CFP: Regular consultations with a Certified Financial Planner will help you stay on track and make necessary adjustments.
Final Thoughts
Your financial planning is crucial for a secure future for yourself and your children. By following a disciplined investment strategy and seeking professional advice, you can achieve your retirement and education goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Current Financial Profile – At a Glance
Age: 47 years

Monthly take-home: Rs 1.30 Lakhs

Rental income: Rs 35,000 per month

Total income: Rs 1.65 Lakhs per month

Assets:

3 Flats (Total worth Rs 1.8 Crores)

Fixed Deposits: Rs 45 Lakhs

No loans or liabilities

No mutual fund or equity investment

Children: Studying in 11th and 6th Standard

Retirement goal: Age 55 (within 7–8 years)

You are in a good place. No debt. Decent income. Valuable real estate. But future cashflow planning is key.

Understand Your Retirement Goal Clearly
You want to retire at 55. That’s in 8 years.

After 55, your income from salary stops. You will need income from your investments.

Retirement can be 30+ years long. You may live till 85 or 90.

You will need regular monthly income from your assets for 30 years.

So, your retirement corpus must:

Beat inflation

Give regular income

Stay liquid

Not erode too early

Right now, your major wealth is in real estate and FDs. But both have limits.

Let us break this down.

Issues with Real Estate Dependency
You have 3 flats worth Rs 1.8 Crores.

Rental income is Rs 35,000 monthly.

This gives only around 2.3% rental yield.

Issues to consider:

Rent may not increase consistently

Property tax and maintenance eat income

Vacancy or repair costs reduce returns

Liquidity is poor. You can’t sell quickly

Property prices may not grow steadily

Risk if rental demand drops in future

You must not depend fully on rent or property for retirement.

It cannot give inflation-beating income for 30 years.

You need more liquid, flexible, tax-efficient income streams.

FD – Safe, But Limited
You have Rs 45 Lakhs in fixed deposits.

FD gives around 6.5% interest.

Tax is charged as per slab.

If you are in 30% tax bracket, net return is around 4.5% only.

FDs are useful for short-term. Not great for long-term wealth creation.

Inflation will reduce value of FD income over time.

FD also lacks flexibility. Premature break leads to penalty.

Too much in FD can make you over-safe and under-prepared.

You need better investment mix.

Missing Equity Exposure – Must be Corrected
You have no investment in equity or mutual funds.

That is a big gap. Especially for retirement and child education goals.

Equity mutual funds give long-term compounding. They help beat inflation.

If you invest in:

Actively managed mutual funds

Through regular plans

Under guidance of Certified Financial Planner

You get strong growth, proper goal planning and regular review.

Avoid direct funds:

No human help or guidance

No regular advice or correction

You may exit during market dips

You may miss rebalancing

Avoid index funds also:

They follow the market passively

They fall fully during market crashes

No flexibility for active corrections

Not ideal when goal timeline is short

At 47, active management is safer. It adjusts better to market.

Let a CFP build a mutual fund portfolio with:

Large cap

Flexi cap

Hybrid

Short-term debt funds

Keep growth and safety in balance.

Child Education – Major Upcoming Expense
Your elder child is in Class 11.

Higher education costs will come within 1–2 years.

Your younger child has 5–6 years before college.

You need a clear plan.

Use fixed deposits partially for elder child’s college.

Don’t use all FDs now.

Start mutual fund SIPs for younger child immediately.

Split SIP across:

Flexi cap for growth

Hybrid funds for balance

Debt funds for safety

Even Rs 15,000–20,000 SIP now can help build good education corpus in 5 years.

Retirement Corpus Planning – Strong Action Needed
You have 8 years till retirement.

Start preparing your retirement corpus now.

Your goal should be to generate at least Rs 70,000–80,000 monthly from age 55.

Assume your rental income may not grow much.

So, you must build a retirement fund of Rs 1.5–2 Crores minimum by 55.

Let us plan how.

Step 1: Start SIPs in mutual funds

Use Rs 30,000–40,000 monthly for retirement-focused SIPs.

Divide across:

Large cap

Balanced advantage fund

Short-term debt

International fund (optional, via active route)

Start now. Delay reduces corpus size sharply.

Step 2: Use FD maturity in stages

Don’t break all FDs now.

Use part for elder child’s education.

Shift some to short duration mutual funds for better post-tax return.

Let remaining FDs mature and move into mutual funds through STP route.

Step 3: Emergency buffer

Keep Rs 5–7 Lakhs always aside in liquid fund or sweep FD.

Don’t touch this unless needed.

Step 4: Insurance protection

Do you have term insurance?

You must have Rs 50–75 Lakhs term cover if not retired.

Health insurance: Keep at least Rs 10 Lakhs family floater.

Accident and disability cover: Needed for loss of income risk.

Post-Retirement Income Strategy
After 55, your sources of income will be:

Rental income (Rs 35,000 or slightly more)

Income from mutual fund SWP

Interest from short-term debt funds or FDs

Plan to structure mutual fund SWP in a tax-efficient way.

As per new MF tax rules:

Equity LTCG above Rs 1.25 Lakh taxed at 12.5%

STCG taxed at 20%

Debt mutual funds taxed at slab rates

Your Certified Financial Planner will help optimise exit and income mix.

Make sure your SWP starts after retirement and continues smoothly.

Don’t rely only on FD interest.

Don’t hold large corpus in property or fixed deposits alone.

Suggested Monthly Plan – Immediate Action
Start Rs 30,000–40,000 SIP for retirement

Start Rs 15,000–20,000 SIP for younger child

Use FD partly for elder child

Keep Rs 5–7 Lakhs in liquid fund

Buy term insurance if not already

Review health insurance coverage

Do estate planning with proper nominee setup

Review everything every 6 months with your Certified Financial Planner.

Let them assess all assets, goals and risks regularly.

Finally
You are already in a financially strong position.

But your asset mix is too conservative.

Too much in property. Too much in FD. No mutual funds.

You need proper balance now.

Start mutual fund SIPs immediately. Protect your family with insurance.

Plan child education and retirement separately.

Don’t delay equity exposure. It is essential for beating inflation.

Structure your retirement fund across mutual funds, not just FDs or flats.

Stay invested. Stay disciplined. Review regularly with a Certified Financial Planner.

Build your retirement and your children's future with clear purpose.

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

Ans: You’ve built a strong base with disciplined saving and zero liabilities. Your clarity about retiring at 48–50 with a fixed monthly income of Rs 3 lakh is very practical if approached with the right asset structure and transition strategy.

Let’s take a complete view to assess and plan your next 5–7 years.

? Income and Savings Snapshot

Current monthly income is Rs 2.7 lakh, which provides decent surplus.

You are saving Rs 1 lakh in mutual funds via SIPs monthly. Very good step.

Rental income adds Rs 30,000 monthly. Passive income like this will be useful post-retirement.

Rs 70 lakh FD in your mother’s name can be a backup or intergenerational support.

Rs 25,000/month set aside for your daughter’s education is commendable. The Rs 10 lakh corpus for her is a solid start.

Rs 50 lakh worth real estate earmarked for her marriage shows thoughtful planning.

? Goal Review: Rs 3 Lakh Fixed Income at 48–50

Retirement goal is clear: generate Rs 3 lakh/month passive income in 5–7 years.

That translates to approx Rs 36 lakh/year, net of tax.

At 48–50, inflation will still be a major factor for next 30+ years of retirement.

You’ll need to build a corpus that can support this income sustainably, without eroding the capital too early.

? Your Existing Asset Summary

Rs 22 lakh in mutual funds. Growing steadily through SIPs.

Rs 70 lakh in mother’s FDs. This may not be fully accessible to you legally unless jointly held or bequeathed.

Rental income asset.

Self-occupied property. Not to be monetised unless downsized.

Daughter’s education and marriage costs already planned. That removes large future outflows.

? Action Plan for Retirement Readiness by 48–50

Maximise Wealth Creation in Next 5–7 Years

Continue your Rs 1 lakh/month SIPs. Try increasing it by 10% annually if possible.

That alone can build a sizeable mutual fund portfolio over the next 6 years.

Don’t pause SIPs. This is your primary wealth creator for retirement.

Allocate Wisely Across Asset Types

Don’t concentrate too much in FDs. FDs protect capital but erode real value after tax and inflation.

Shift some FD surplus (at least Rs 30–35 lakh) gradually into balanced and equity mutual funds.

If your mother doesn’t need the FD interest for her living, this corpus can be used more efficiently.

Build Passive Income Streams

By age 48–50, your mutual fund corpus must be ready to generate monthly income.

At that point, shift some funds to SWP-friendly hybrid or conservative equity mutual funds.

Use Systematic Withdrawal Plans (SWP) to get fixed income monthly.

Combine this with rental income and strategic FD usage for total Rs 3 lakh/month target.

Example: Rs 30K rent + Rs 50K FD interest + Rs 2.2L SWP = Rs 3L approx.

? Strengthen Contingency and Liquidity

Emergency fund currently sits with your daughter’s education fund.

Maintain a separate 6–9 months of expenses (Rs 5–7 lakh) in liquid mutual funds or sweep FDs.

This gives stability and avoids breaking long-term funds.

? Insurance and Risk Management

Your query didn’t mention term insurance or health insurance.

Ensure you have a term cover till at least 60 years of age.

Health insurance should be minimum Rs 15–20 lakh for self and family.

This will protect your retirement corpus from being used for medical emergencies.

? What Not to Do

Avoid relying heavily on real estate for retirement cash flows.

Property sales are illiquid, and income generation is unpredictable.

Plots should remain earmarked for daughter’s marriage as planned.

Avoid direct equity or index funds at this stage if your knowledge is limited.

Index funds lack flexibility and do not adapt to market phases.

Stick to actively managed mutual funds guided by an MFD with CFP qualification.

Avoid direct plans. Regular plans via a Certified Financial Planner give expert asset allocation and support in downturns.

? Tax Optimisation Strategy Post Retirement

MF withdrawals via SWP are more tax-efficient than FD interest.

STCG in equity MF is taxed at 20%. LTCG beyond Rs 1.25 lakh taxed at 12.5%.

Debt mutual fund gains will be taxed as per your slab.

Smart withdrawal structuring can keep post-retirement tax low.

Keep rental income under Rs 2.5 lakh/month bracket to avoid higher tax brackets.

? Reassess Daughter’s Education and Marriage Plan

Rs 10 lakh corpus for education should be reviewed annually.

Ensure it is parked in short-duration debt mutual funds or FDs. Not in equity.

For marriage, your plot’s value can be used, but ensure documentation and title clarity.

Prefer not to liquidate this asset early. Avoid attaching it to your retirement needs.

? Your Retirement Corpus Target

Without complex maths, a rough estimate suggests you’ll need at least Rs 5–6 crore.

This assumes you want Rs 3 lakh/month from 48–50 till age 85–90.

Your current SIPs, combined with FDs and rental income, can bridge the gap.

But asset growth, inflation, and reinvestment must be monitored yearly.

? Finally

Your efforts till now are strong. Discipline and vision are clear.

You must now shift focus from accumulating assets to structuring cash flows.

Increase SIPs over time. Reduce dependence on FDs gradually.

Strengthen insurance and keep contingency separate.

Engage a qualified MFD with CFP credentials to track and adjust your retirement corpus regularly.

Rs 3 lakh/month income from age 48–50 is possible if steps are consistent and reviewed yearly.

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

Ans: Dear Sir,

Thank you for sharing your detailed financial profile. At 45, you already have a well-diversified base across mutual funds, PPF, NPS, real estate, and insurance. Let’s review your position and the path towards your retirement goal of ?3–5 Cr.

1. Current Snapshot

Mutual Funds (You + Wife): ?10 L (SIPs: ?33K/month)

Stocks: ?5 L

PPF: ?2.5 L (contributing ?1L annually, started 2018)

NPS: ?4 L (contributing ?50K annually, started 2020)

LIC (Jeevan Anand): ?15K yearly premium (traditional, low return)

Real Estate: 2BHK flat (?75 L) + Independent house with ?7K rent p.m.

Loans: Home loan ?12 L (EMI ?15.5K) + Car loan ?1.5 L (EMI ?6.2K)

Insurance: Family mediclaim ?25K/year

Income: ?1 L take-home salary, expenses ?60–70K

2. Observations

Savings Rate: Currently investing ~?35–36K/month (35% of income). This is a good start.

Liabilities: Home loan is manageable and closing it in due time will free up cash flow.

Insurance: Life insurance is low (LIC traditional plan is not adequate). Suggest a proper term insurance for 10–15 years till retirement.

Health Insurance: Adequate, but consider a top-up policy for higher coverage at lower cost.

Diversification: Balanced exposure across MF, PPF, NPS, and real estate.

3. Retirement Goal (3–5 Cr by Age 60)

You have about 15 years to retirement.

If you continue ?35K SIP/month in equity-oriented mutual funds with a 12% CAGR, in 15 years this grows to ~?1.6 Cr.

Your existing ?10L MF corpus can grow to ~?55–60L.

PPF (~?2.5L now, ?1L annually) → can grow to ~?30L.

NPS (~?4L now + ?50K annually) → can grow to ~?25L.

Real estate value (?75L+) may grow, but treat it as secondary for retirement unless you plan to sell.

Estimated Retirement Corpus (without real estate): ~?2.7–3 Cr by age 60.
This is achievable if you maintain current contributions. To target 5 Cr, you may need to:

Increase SIPs from ?35K → ?45–50K/month gradually (when loans close).

Channel any bonus / surplus / rent increase into investments.

4. Suggested Action Plan

Now:

Take term insurance (min ?1 Cr cover).

Continue SIPs in diversified equity funds (flexicap, large & midcap, hybrid).

Keep PPF and NPS contributions.

Review LIC Jeevan Anand (can continue for insurance, but low returns).

Next 3–5 Years:

Close car loan first (free up ?6.2K/month).

Once home loan closes, redirect EMI ?15.5K into SIP → boost retirement fund.

Increase SIP step-up by 5–10% yearly as income grows.

Long Term:

Real estate (second house) can be a backup corpus or rental income post-retirement.

Ensure daughter’s education/marriage goals are planned separately, so retirement corpus stays intact.

? With disciplined investing, loan closure, and step-up SIPs, ?3–3.5 Cr is comfortably achievable, and ?5 Cr is possible with higher contributions.

???? I would also strongly suggest working with a QPFP / Financial Planner to create a detailed retirement cash flow plan and fund monitoring strategy.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

Ans: You have planned with foresight and discipline. Your savings, investments, and goals are inspiring. Let me share a 360-degree financial roadmap for you.

» Current financial strengths

– You have strong salary income with dual earning members.
– You have no housing loan burden as your house and plot are fully paid.
– You are already investing Rs. 50K monthly in mutual funds and building equity exposure.
– You also invest in organisational fund, PPF, and Sukanya Samriddhi for your daughter.
– Your government job gives pension, medical cover, and stability.
– You will soon have a one-year assignment with high extra income.
– You are thinking about early retirement at 44 with pension support.

» Current challenges

– You have a car loan of Rs. 12 lakhs which adds to monthly EMI.
– Monthly expenses of Rs. 80K may rise with lifestyle and child’s education.
– You need additional Rs. 1.5 to 2 lakhs per month after retirement for hobbies and travel.
– Your child’s education and marriage need a big dedicated corpus.
– Inflation will increase costs of schooling, healthcare, and lifestyle over 10 years.

» Pension as base income

– A pension of Rs. 2 lakhs per month is a huge security.
– However, pension alone may not cover education, marriage, and lifestyle costs.
– You need additional passive income streams and investment growth.

» Short-term priorities (Next 3 years)

– Clear the Rs. 12 lakhs car loan within 2–3 years.
– Allocate part of your upcoming assignment income to debt closure.
– Increase your emergency fund to at least 6–9 months of expenses.
– Continue investing in mutual funds with focus on growth-oriented categories.
– Strengthen Sukanya and PPF as long-term safe allocations for your daughter.

» Utilising the upcoming Rs. 50 lakhs

– Divide this amount into clear buckets for clarity.
– Around Rs. 15 lakhs can be used to close your car loan and build emergency reserve.
– Around Rs. 25–30 lakhs can be invested in diversified mutual funds for growth.
– Balance 5–10 lakhs can be kept in safer debt options for liquidity.
– This division will balance growth, safety, and flexibility.

» Mutual fund strategy

– Actively managed funds give better flexibility and professional oversight.
– Index funds are not recommended because they lack downside protection in volatile markets.
– With active funds, managers can balance risk and adjust portfolio better.
– Your current SIP of Rs. 50K is excellent. Try increasing it after the assignment year.
– Distribute between large-cap, flexi-cap, and mid-cap funds for balanced growth.
– Keep regular monitoring with a Certified Financial Planner for course correction.

» PPF and Sukanya Samriddhi

– PPF gives tax-free returns and safe long-term growth. Continue yearly contribution.
– Sukanya scheme is excellent for your daughter’s education and marriage.
– Both provide stability while your mutual funds provide growth.
– Keep both accounts active till maturity for maximum benefit.

» Organisational fund

– You already invest Rs. 15K per month here.
– It gives steady but low returns compared to mutual funds.
– Keep continuing but avoid increasing contribution.
– Treat this as stable fixed income portion of your portfolio.

» Daughter’s education and marriage planning

– Education will need around Rs. 60–80 lakhs in 15 years.
– Marriage could need Rs. 50–70 lakhs in 20 years.
– You must plan dedicated investment buckets for these two goals.
– Use equity mutual funds for long-term growth.
– Add yearly top-ups from your salary increments or bonuses.
– Review progress every 3–4 years with a Certified Financial Planner.

» Early retirement goal at 44

– You have 10 years left to build wealth.
– Use this period to maximise equity allocation.
– Maintain discipline in SIPs and add lump-sums whenever possible.
– Avoid early withdrawals from investments meant for retirement.
– By retirement, combine pension, mutual fund corpus, and safe debt instruments.
– This mix will generate your required extra Rs. 1.5–2 lakhs monthly.

» Lifestyle and travel funding

– Keep a separate corpus for travel and hobbies.
– You can allocate part of the assignment income here.
– Invest in balanced funds to keep growth and liquidity.
– This way your pension covers basics, and investments cover lifestyle.

» Risk management

– You have medical expenses covered by the government.
– Still consider a family floater health policy for post-retirement years.
– Maintain term insurance till your daughter is financially independent.
– Review insurance coverage every 3–4 years.

» Tax planning

– Continue using PPF and Sukanya for Section 80C benefits.
– Use ELSS mutual funds for additional tax-efficient equity exposure.
– Be mindful of mutual fund capital gain taxation rules.
– Long-term equity gains above Rs. 1.25 lakh yearly are taxed at 12.5 percent.
– Short-term equity gains are taxed at 20 percent.
– Debt fund gains are taxed as per your income slab.
– Plan redemptions smartly to reduce tax outgo.

» Managing rising expenses

– Currently expenses are Rs. 80K. After retirement, inflation will double them in 15 years.
– Your pension plus investment income must match this higher expense.
– Therefore, equity growth is crucial for long-term wealth creation.
– Avoid over-dependence on safe but low-yield instruments.
– Strike balance between growth, safety, and liquidity.

» Avoiding investment mistakes

– Do not rely only on traditional products like PPF, SSY, or FDs.
– They are safe but cannot beat inflation over long periods.
– Avoid index funds due to lack of active management.
– Avoid direct mutual funds since they don’t give personalised guidance.
– Regular plans via MFD with CFP credential give monitoring and support.
– Do not over-diversify into too many schemes.
– Stick to a focused, goal-based portfolio.

» Finally

You have an excellent base of assets, salary, and pension. Your discipline in savings is strong. The upcoming Rs. 50 lakhs income is a game-changer. Use it wisely between loan closure, mutual funds, and safety reserves. Continue SIPs and increase allocation whenever income rises. Keep daughter’s education and marriage funds separate. Aim for steady equity growth for 10 years. At retirement, your pension and investments will easily cover lifestyle, hobbies, and family responsibilities. Regular reviews with a Certified Financial Planner will ensure you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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