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Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

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

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
Asked by Anonymous - Apr 22, 2024Hindi
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Hi ,I am 31 years old , working as software developer with in-hand salary of 1 lakh/month ,current expenses is 15000/month, my total investment is 15 lakh in mutual fund,5 lakh stock,4 lakh in ppf, currently investing 30,000/month in mutual fund,12,000/month in ppf,want to retire in next 10 years,can you suggest my e how to plan for retirement.

Ans: It's great to see your proactive approach towards planning for retirement at such a young age. Let's outline a retirement plan tailored to your financial situation and goals:
Assessing Your Current Situation:
1. Income and Expenses: With a monthly salary of ?1 lakh and expenses of ?15,000, you have a significant surplus for savings and investments.
2. Investment Portfolio: Your investments in mutual funds, stocks, and PPF indicate a diversified approach to wealth accumulation, which is a positive step.
Retirement Planning:
1. Define Retirement Goals: Determine your desired lifestyle and expenses during retirement. Consider factors like healthcare, travel, hobbies, and inflation when estimating future expenses.
2. Calculate Retirement Corpus: Based on your retirement goals and expected expenses, calculate the corpus required to sustain your lifestyle during retirement. Factor in inflation and potential healthcare costs.
3. Investment Strategy: Given your age and investment horizon of 10 years, focus on aggressive wealth accumulation. Consider increasing your monthly SIP contributions to mutual funds to accelerate growth.
4. Asset Allocation: Maintain a diversified portfolio across asset classes like equity, debt, and other investment avenues. Rebalance your portfolio periodically to align with your risk tolerance and retirement goals.
5. Tax Planning: Utilize tax-efficient investment options like Equity Linked Savings Schemes (ELSS), PPF, and NPS to maximize tax benefits and optimize returns.
6. Emergency Fund: Ensure you have an adequate emergency fund equivalent to 6-12 months of expenses to cover unforeseen circumstances during retirement.
7. Review and Adjust: Regularly review your retirement plan and make adjustments as needed to stay on track towards your goals. Seek guidance from a Certified Financial Planner for personalized advice and support.
Conclusion:
With disciplined saving, strategic investing, and careful planning, you can achieve your goal of retiring in the next 10 years. Stay focused on your retirement objectives and make informed decisions to ensure a financially secure future.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
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  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 03, 2024

Asked by Anonymous - Jul 03, 2024Hindi
Money
Hi i am 39 year old my in hand salary after tax is 51 lpm I have fixed deposit worth 80 lac ppf of 34 lac, I have own flat fully paid, mutual fund around 13 lac,10 lac emergency fund, my wife housewife and son is 3 year old, what can I do to plan my retirement my current yearly expense is around 9 lacs and I don't have any loan
Ans: Planning for retirement is crucial, and it's wonderful that you're thinking ahead. Let's create a comprehensive plan to ensure a comfortable and secure retirement for you and your family. I'll guide you through the steps and strategies needed, addressing various aspects of your financial situation.

Understanding Your Current Financial Situation
You have a strong financial foundation, which is great. Your current financial assets include:

Fixed Deposit: Rs. 80 lakh
PPF: Rs. 34 lakh
Mutual Funds: Rs. 13 lakh
Emergency Fund: Rs. 10 lakh
Fully Paid Flat
Your annual expenses are Rs. 9 lakh, and you have no loans. With these details in mind, we can create a solid retirement plan.

Setting Retirement Goals
First, let's set clear retirement goals. This includes determining the age you wish to retire, estimating your post-retirement expenses, and accounting for inflation.

Retirement Age: Let's assume you plan to retire at 60.
Post-Retirement Expenses: Estimating your expenses to increase with inflation, let's assume Rs. 12 lakh annually.
Your current expenses of Rs. 9 lakh will likely increase over time due to inflation. Planning for increased expenses ensures you won't fall short of funds during retirement.

Building a Retirement Corpus
To ensure a comfortable retirement, you need to build a substantial retirement corpus. Given your current financial assets and future goals, let's discuss how to achieve this.

Mutual Funds: A Key Investment
Mutual funds are a crucial part of your investment strategy. They offer diversification, professional management, and the potential for higher returns. Let's explore the categories of mutual funds and their benefits:

1. Equity Mutual Funds
Equity mutual funds invest in stocks. They have the potential for high returns but come with higher risk.

2. Debt Mutual Funds
Debt mutual funds invest in bonds and fixed income securities. They are safer but offer lower returns compared to equity funds.

3. Balanced or Hybrid Funds
These funds invest in both equity and debt, providing a balance of risk and return.

Advantages of Mutual Funds
Diversification: Mutual funds spread investments across various assets, reducing risk.
Professional Management: Experts manage your investments, aiming for the best returns.
Liquidity: You can easily buy or sell mutual fund units.
Compounding: Reinvesting returns can lead to significant growth over time.
Risk and Power of Compounding
Mutual funds come with market risks. However, long-term investments usually balance out short-term market fluctuations. The power of compounding significantly boosts your corpus over time. By reinvesting your returns, your money grows faster.

Disadvantages of Index Funds and Direct Funds
While index funds track market indices and come with lower fees, they lack the active management that can potentially outperform the market. Direct funds may save on commissions, but investing through a certified financial planner (CFP) provides valuable guidance and better fund selection.

Investing in Actively Managed Funds
Actively managed funds, chosen by an experienced CFP, often outperform index funds. A CFP’s expertise helps in selecting funds tailored to your financial goals and risk tolerance.

Structuring Your Investments
Now, let's structure your investments to build a robust retirement corpus.

Emergency Fund
You already have a Rs. 10 lakh emergency fund. Keep this in a liquid or ultra-short-term debt fund to ensure quick access.

Fixed Deposits and PPF
Your fixed deposit and PPF are safe investments. However, their returns may not outpace inflation in the long term. Consider moving a portion into higher-yielding investments like mutual funds.

Diversifying Your Mutual Fund Portfolio
Diversification is key. Spread your investments across various mutual funds:

Equity Funds: Allocate a significant portion to equity funds for higher returns.
Debt Funds: Invest in debt funds for stability and income.
Balanced Funds: Include balanced funds to mitigate risk while aiming for growth.
Systematic Investment Plan (SIP)
Investing through SIPs ensures disciplined investing and rupee cost averaging. This strategy reduces the impact of market volatility.

Reviewing and Rebalancing Your Portfolio
Regularly review and rebalance your portfolio. This ensures your investments stay aligned with your goals and risk tolerance. A CFP can provide ongoing guidance and adjustments.

Tax Planning
Effective tax planning maximizes your returns. Utilize tax-saving instruments and plan withdrawals to minimize tax liabilities.

Insurance Coverage
Ensure you have adequate insurance coverage:

Life Insurance: Protect your family’s future with sufficient life insurance.
Health Insurance: Adequate health insurance covers medical emergencies without draining your savings.
Retirement Income Streams
Plan for multiple income streams during retirement:

Systematic Withdrawal Plan (SWP): Use SWPs from mutual funds for regular income.
Dividends: Invest in dividend-paying funds or stocks.
Part-Time Work: Consider part-time work or consultancy for additional income.
Estate Planning
Estate planning ensures your assets are distributed as per your wishes. Prepare a will and consider trusts for efficient transfer of wealth.

Final Insights
Planning for retirement involves a multi-faceted approach. By diversifying your investments, utilizing mutual funds, and planning for tax efficiency, you can build a substantial retirement corpus. Regular reviews and adjustments with a CFP ensure you stay on track to achieve your retirement goals.

Conclusion
Planning your retirement requires careful consideration of various factors. By following the outlined strategies, you can ensure a comfortable and secure retirement for you and your family. Regularly consulting with a CFP will help you stay on track and make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Money
Hello Jinal, I am 40 yrs old & want to retire by 50 with approx 1 lakh as monthly emolument. I got 14 lakhs worth mutual funds, do monthly SIP of 1.2 lakhs, got shares worth 1.5 lakhs, got PPF worth 6 lakhs & invest 20k monthly, got a plot worth 15 lakhs. Please advice how to plan my investment before i retire.
Ans: Retiring by the age of 50 is an admirable goal. You have a solid foundation to build upon. Your current investments indicate a disciplined approach to saving and investing. To ensure you achieve your goal of Rs 1 lakh monthly emolument, we need a comprehensive strategy.

Evaluating Your Current Portfolio
Mutual Funds
You have Rs 14 lakhs in mutual funds and contribute Rs 1.2 lakhs monthly through SIP. This is a strong start. Mutual funds offer diversification, reducing risk. It's important to review your mutual fund portfolio regularly. Ensure it aligns with your risk tolerance and retirement goals.

Shares
Your Rs 1.5 lakhs worth of shares provide potential for growth. However, individual stocks carry higher risk. Diversification across sectors and industries is crucial. Regular review and rebalancing can help manage risk.

Public Provident Fund (PPF)
Your PPF investment of Rs 6 lakhs, with a monthly contribution of Rs 20,000, is a safe and tax-efficient option. PPF is excellent for risk-free growth. However, the returns are lower compared to equity investments. It's wise to balance it with higher-yield investments.

Real Estate
Your plot worth Rs 15 lakhs is a valuable asset. Real estate can provide significant returns but can be illiquid. While it can form a part of your net worth, it’s essential to have liquid assets for regular income post-retirement.

Strategic Investment Planning
Enhancing Mutual Fund Investments
You are investing Rs 1.2 lakhs monthly through SIPs. Actively managed funds, guided by a certified financial planner, can outperform index funds. Regular funds have the advantage of professional management. This can potentially lead to higher returns.

Ensure your mutual funds cover different asset classes, including large-cap, mid-cap, and small-cap funds. Diversification within your mutual fund investments can provide stability and growth. Review the performance of your funds annually. Adjust based on market conditions and your financial goals.

Diversification in Equity
Your investment in shares should be part of a diversified portfolio. Diversification minimizes risk. Consider spreading your investments across different sectors. Rebalance your portfolio periodically. This ensures alignment with market conditions and your risk tolerance.

Maximizing PPF Contributions
Your monthly contribution of Rs 20,000 to PPF is a prudent move. PPF offers tax benefits and assured returns. It should remain a core component of your retirement plan. However, given the cap on contributions, ensure you are maximizing this benefit.

Assessing Real Estate Value
While real estate is a solid investment, it’s essential to assess its liquidity. As you approach retirement, liquidity becomes crucial. If needed, consider selling the plot closer to your retirement age. Reinvest the proceeds into more liquid and income-generating assets.

Building a Balanced Portfolio
Asset Allocation
A balanced portfolio is crucial for achieving your retirement goals. The right mix of equities, mutual funds, and fixed income ensures growth and stability. As you near retirement, shift towards more stable, income-generating investments.

Risk Management
Understanding and managing risk is vital. Regular reviews with a certified financial planner can help. Adjust your portfolio based on market trends and personal risk tolerance. This proactive approach helps safeguard your investments.

Long-term Planning
Your goal is to retire by 50. Long-term planning involves setting milestones. Evaluate your progress every few years. Adjust your strategy as needed. Ensure your investments are on track to meet your Rs 1 lakh monthly goal.

Tax Efficiency
Tax-saving Investments
Utilize tax-saving investments to enhance your returns. Investments in PPF, ELSS, and other tax-saving instruments can reduce your tax liability. Consult with your financial planner to maximize tax benefits.

Capital Gains Management
Managing capital gains is crucial. Plan your asset sales to minimize tax impact. Utilize available exemptions and benefits. A certified financial planner can provide tailored advice for your situation.

Retirement Corpus Calculation
Estimating Required Corpus
To achieve Rs 1 lakh monthly post-retirement, estimate the required corpus. Consider inflation, life expectancy, and lifestyle needs. This estimation helps in setting realistic investment goals.

Regular Reviews
Regularly review your retirement corpus estimates. Adjust based on changes in inflation rates and lifestyle needs. This ensures your retirement plan remains viable.

Generating Post-Retirement Income
Systematic Withdrawal Plan (SWP)
Consider a Systematic Withdrawal Plan (SWP) for mutual funds. SWP provides regular income while keeping your capital invested. This approach helps in managing cash flow post-retirement.

Fixed Income Investments
Investing in fixed income instruments like bonds and fixed deposits can provide stable returns. They offer security and regular income. Ensure a portion of your portfolio is in such instruments.

Annuity Options
While I don't recommend annuities, understand their role. Annuities provide a fixed income but can have limitations. It's crucial to weigh the pros and cons with your financial planner.

Insurance and Contingency Planning
Health Insurance
Adequate health insurance is vital. Ensure your health insurance covers potential medical expenses. This protects your retirement corpus from being depleted by healthcare costs.

Life Insurance
Evaluate your life insurance needs. Adequate coverage ensures your family’s financial security. Consider term insurance as a cost-effective option.

Emergency Fund
Maintain an emergency fund. It should cover 6-12 months of expenses. This fund provides a safety net for unforeseen expenses.

Monitoring and Adjusting Your Plan
Regular Reviews
Regular reviews of your investment portfolio are essential. Adjust based on market conditions and personal financial goals. A certified financial planner can assist in these reviews.

Financial Planner Consultation
Regular consultations with a certified financial planner provide professional guidance. They help in making informed decisions and adjusting your strategy as needed.

Adapting to Changes
Stay adaptable to changes in financial markets and personal circumstances. Flexibility ensures your retirement plan remains robust and effective.

Final Insights
Planning for retirement requires a strategic approach. Your current investments provide a strong foundation. Regular reviews, diversification, and risk management are crucial. Tax efficiency and long-term planning help in achieving your retirement goals.

Consult with a certified financial planner to tailor this strategy to your needs. This professional guidance ensures you remain on track to achieve your dream of retiring by 50 with a monthly emolument of Rs 1 lakh.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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It is obviously very shocking for you to know that things have been happening behind your back.
Now, how you want this to move on from here on, is a decision only you must make! Have you had a chat with your wife about the association that she has with the other person? Does she know that you know about it?
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Asked by Anonymous - Nov 03, 2024Hindi
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Hello madam I a 32 year old married man with a kid , who is 6 years old. I have done arrange marriage with my own decision I agreed to my parents for the marrige at that time I was in a casual relationship with a girl I didn't said anything to the girl and get married to someone else. After that I tried to live a happay life with my wife without thinking about the girl whom I left behind, from outside I tried to be happy with my wife but my wife thought doesn't matches with me so I felt so disturbed from inside. Still I was trying to continue the relationship for sake of our child but suddenly I got my ex love contact and I was so happy that after so long time I got a chance to talk to her, I have tried to meet her but she always refused to meet me because she was in a relationship. I tried many times and due to some misconduct I again lost her for the second time. At this moment when she is not with me her thoughts memories are troubling me so much I am in pain, what am I suppose to do to get rid of the pain?? Please help
Ans: Dear Anonymous,
There is no point wanting a 'past' relationship just because you have one...what if that relationship did not exist, you would have possibly made efforts to make your marriage work, right?
Then do just that...DO NOT treat your marriage as an option...which marriage is a perfect one? And are all spouses tailor-made to fit one another?
So, if her thoughts don't match with yours, then even yours don't match with hers...so, should she also think of jumping into some other relationship. Please act mature about this especially with a child in the entire equation; try and understand each other...speak about your differences and find ways of working on them by accepting them. Ex-love etc looks all very nice, but come down to ground reality; please...work on your marriage!

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I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.
Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

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Asked by Anonymous - Nov 02, 2024Hindi
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Hii, I have an love marriage after 9 years of dating and 6 years, 2 children post marriage, my little one is 11 months old now. My husband has an affair upto chatting to someone in his company, his junior but in different department, when my Lil one was 1 month old, we had in a rough patch then due to child birth and family drama. When I saw it and confronted him, he said he is sorry and won't do it again, we had multiple fights for 3-4 months after then due to same reason, but he mostly listen and consol. It's been a lot of mental torture for me. I love my husband a lot and he is a good person, but sometimes sill I see her msg in his phone asking for small helps or casual msg. She is also married. I am not sure my husband deletes msg or what, I am not able to get over this. Before it, this is was preety much a good relationship. I am highly educated and independent women. I don't want anything form my husband apart from love. What should I do, whenever I tell him I want to just leave and let him have his life, he won't let me somehow. We are having a good physical relationship 2-4 times a week( just to tell where we are). Please help me...I can't overcome that he is making fool of me...
Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

Hope this helps.

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Hi, Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. Partner(F28)continuing friendship with a person[M] who had crush on her before marriage considered emotional infidelity? Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. My wife is having friendship (strictly platonic) with a guy from her 10tlh grade (same class). Before our marriage (she may be doing her college, our relationship just started may be 2 weeks) this guy told her he has genuine interest in her and he want to take the relationship further if she wants, she said she is not interested in a relationship and she got committed, she always saw him as a friend, no other feelings for him and we can be friends if you don't bring any romantic interest again. He never took this talk again ever after and happy to be a friend. They are talking as friends. She got married to me. He also got married. They still do chats once in a month. She introduced me to him and visited his home when we visited his city. He also came to our home once (me and my family was there). She used to update me with chat she had with him and the content they are chatting. I am ok with that When we were talking about our school life and college life 2 years before. She said this guy had crush on her during her college days. I asked her, why did not she tell me this info till now. She said it is not purposely, she does not feel the need to do as the person is not in-appropriate with her and continuing as good friend as promised after she rejected his proposal. I don’t want to create any unnecessary issues as I don’t have any felling or so with him. That time I checked their chats completely, it’s about update about their common friends, their recent travel, their job, meditation courses and the books they read recently. I haven’t seen any flirting or romantic message from either of them. So I am perfectly fine with it and had no problems. I recently came to know about the concept of emotional cheating which is very new to me. Before that cheating to me is only flirting, sexeting and physical sex. I have asked for advice in redddit.com in infedility sub forum about emotional cheating/ emotion affair. There persons are advising like even having friendship with someone who had crush on you is emotional cheating as it is indirectly leading them on you. So with an omission of lie he had crush on her and indirectly leading him on you wife was emotionally cheating on you. This is very much equal to cheating. I do have lots of friends in other gender, but no one had crush on me. Does this count as emotional cheating/affair as she did not mention he had crush on her before marriage? I am little depressed and not able to spend quality time with my wife who is in postpartum depression and take care of our daughter properly as before. Do you guys advise me how to navigate this situation?
Ans: Dear Anonymous,
Are you really going to ruin your happy relationship based on some new term you have learned recently? Emotional cheating and many more terms of the kind will come and go, what truly matters is the truth. She is merely friends with this guy and for your peace of mind, you have even checked their conversations- what part of it looks like cheating to you? If tomorrow, some random person projecting their own insecurities claims that a man speaking to a woman is some "new form" of cheating, would you start believing that? My point is that these are just random opinions of some people- it isn't the ultimate truth. The entire context matters. This man had a crush on your wife, she rejected it, and now they are just friends. I find absolutely no misconduct or infidelity in this. The fact that none of your friends had a crush on you does not factor in at all. Moreover, your wife is in postpartum depression- that should be your biggest concern but here you are, giving more importance to the random 2 AM thoughts of some people you don't even know. Please rethink if you are being fair to your wife- the mother of your child.

Best Wishes

...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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