I am 36 years and working in the Private Sector. I am planning to achieve a corpus of 5 CR in the next 15 years.

Have been investing in the below mutual funds for the past 3 years.Would like to get your suggestion/advice:

• If the categories (diversification -small/Medium/Large/Flexi) invested in are good enough? Or additional categories would be required for a balanced portfolio.
• Amount invested would suffice to achieve the goal or additional step-ups required?
• Have an additional amount of 5 Lakh. In which category/mutual fund can this be invested?

Thanks for your suggestion in advance!

Quant Tax Plan - Direct Growth (ELSS) -- 3000

Kotak Flexicap Fund - Direct Growth -- 1500

Mirae Asset Emerging Bluechip Fund - Direct Growth -- 2500

Mirae Asset Hybrid Equity Fund - Direct Growth -- 4000

Quant small cap Fund -Direct Plan - Growth -- 5000

ICICI Prudential Bluechip Fund Direct- Growth – 5000

Ans: Hi Utsav,

Greetings. Let's clarify your question: are you referring to percentile or percentage? Generally, marks are expressed as either percentage or CGPA, not as percentile. Percentiles are relevant only in eligibility exams like GPAT. Your query lacks sufficient detail.

It's important to consider that several parameters determine eligibility for exams or the admission process, such as caste and economic status (CL or NCL), among others.

Please repost your query with complete information so I can provide you with a definitive answer.

Poocho. LIfe Change Karo!

Ans: Hi Priyanka, your query is incomplete, and I am unable to answer it.

Ans: Dear Anonymous,
I understand that you are hurt and upset, and rightfully so. You thought she liked you but turns out, she is with someone else. It's a good enough ground to be upset. But I want you to understand one thing- you thought; she never gave you verbal confirmation. You assumed it all. So to answer your first question- all of her interest in you might have been friendly. It is difficult for me to say it with confidence because I have not seen any of this while it happened; I am only hearing your version of it. But my guess is that she thought of you as a friend or maybe, for a while there, she might have had feelings for you, but then realized that she was committed and pulled herself back. Again, all of these are my assumptions. We do not know the truth. Only she does. The next time, whenever you think someone likes you, get verbal confirmation before you act on it.

I understand that whether she showed friendly interest and you mistook it for romantic interest or she actually showed romantic interest and ghosted you, your pain remains the same because everything was real and romantic from your end. I suggest that you focus on yourself. It's unfortunate that you have to see her every day, but so be it. Take it one day at a time. Stick with your friends in your office. Find some hobby that makes you happy and when you are ready to move on, be open to finding love. I understand that this experience was bad, but it won't be the same way every time.

Best wishes.

Ans: Dear Anonymous,
It does not matter what anyone else would do in your place or what society thinks. All that matters is what you think and want to do. If you have genuine feelings for her, what's stopping you from expressing them to her? If you don't tell her, how would you know if everything is going to change for the good or bad? Do as your heart wants. After all, you are not harming anyone.

Best wishes.

Ans: 1. Understanding Your Financial Position
You are 36 years old with a goal of financial independence in 10 years.

Your annual post-tax income is Rs 40 lakh, with an additional rental income of Rs 50,000 per month.

Your monthly expenses are Rs 40,000, which are fully covered by rental income.

Your current investments include:

Rs 2.5 lakh SIP per month
Rs 28 lakh in mutual funds
Rs 25 lakh in RD
Rs 10 lakh in ULIP
Rs 50 lakh in gold
Rs 10 lakh emergency fund
You have no loans or credit cards, which is a strong financial position.

Your health insurance is Rs 25 lakh, which is good but may need a review later.

2. Defining Financial Independence
Financial independence means having passive income that covers all expenses.

You need enough wealth to generate returns that sustain your lifestyle.

Your target should be to build a portfolio that provides stable income after 10 years.

3. Optimising Your Current Investments
Mutual Funds – Increase Allocation
Your Rs 2.5 lakh SIP is excellent, but it needs active management.

Actively managed funds provide better returns than index funds.

Direct mutual funds lack professional management. Investing through an MFD with CFP credential helps maximise returns.

Maintain a mix of large-cap, mid-cap, and hybrid funds for stability and growth.

Recurring Deposit (RD) – Shift to Growth Assets
Rs 25 lakh in RD earns lower returns compared to equity.

Consider shifting RD funds gradually into mutual funds for better compounding.

Keep only a portion in fixed-income instruments for stability.

ULIP – Consider Surrendering
ULIPs mix insurance with investment, which reduces returns.

Surrendering and reinvesting in mutual funds can improve returns significantly.

Keep insurance separate from investments for better wealth creation.

Gold – Maintain a Balanced Allocation
Rs 50 lakh in gold is a significant portion of your portfolio.

Gold is good for diversification but does not generate passive income.

Consider reducing gold exposure and reallocating to growth-oriented assets.

4. Asset Allocation for Financial Independence
A well-diversified portfolio ensures long-term stability and wealth growth.

Your asset allocation can be:

60% in equity mutual funds
20% in debt funds and bonds
10% in gold and other assets
10% in liquid funds for short-term needs
Adjust allocation every year based on market performance.

5. Passive Income Strategy
Your goal is to generate passive income through investments.

SIPs will build a strong equity base over the next 10 years.

A mix of mutual funds and debt instruments will provide steady cash flow.

Rental income already covers monthly expenses, which is an advantage.

After 10 years, your investments should generate returns covering all financial needs.

6. Emergency Fund and Insurance Review
Emergency Fund
Your Rs 10 lakh emergency fund is good.

Keep this amount in liquid funds or fixed deposits for easy access.

Maintain at least six months of expenses as a backup.

Health Insurance
Your Rs 25 lakh health cover is decent, but medical costs rise over time.

Consider increasing coverage to Rs 50 lakh if affordable.

Ensure it covers critical illness and long-term care needs.

7. Retirement and Children’s Education Planning
Retirement Planning
Financial independence should include a secure retirement plan.

Your investments will continue growing even after achieving independence.

Keep investing to ensure financial security beyond the next 10 years.

Children’s Education
Education costs will rise significantly over time.

Start a dedicated investment plan for your children’s higher education.

Equity mutual funds with a long-term horizon will help meet this goal.

8. Tax Efficiency and Wealth Preservation
Efficient tax planning ensures you maximise post-tax returns.

Long-term capital gains tax is lower on equity investments.


Regularly review your tax liability to optimise investment returns.

9. Monitoring and Adjusting the Plan
Review your portfolio every six months.

Rebalance investments if market conditions change.

Keep track of financial independence progress based on wealth accumulation.

10. Final Insights
Your financial position is strong, and your goal is achievable.

Shifting from low-return assets to equity will help in long-term wealth creation.

Active management of investments will ensure better returns and financial security.

Keep insurance separate from investments to avoid lower returns.

A disciplined approach to investing and spending will lead to financial independence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: Hello dear.
Practically speaking, if you wish to enter into the teaching field, and that too in the coaching industry, you must have basic communication skills, the mindset of students, and a teaching methodology. depth of syllabus, examination and paper pattern, and a lot more, and apart from that, the in-depth knowledge of a particular subject in which you are interested. This is applicable everywhere and at Belgaum also. The interview taker will go through these parameters deeply. Along with this, develop your aptitude skill and knowledge in coding skills which is related to your subject. Best of luck for your upcoming interview.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Ans: Hello Mr. Anuj,
Starting a business in India with a budget of ?20,000 is entirely possible with strategic planning, local market research, and minimal infrastructure. Whether you prefer a home-based model, freelancing, or product-based business, several viable options can generate steady income. Here’s a detailed guide to ten promising business ideas tailored for the Indian market.

Online Reselling via Dropshipping
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Freelancing Services
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Home Tutoring/Coaching
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Event Decoration
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Customized Printing
Selling custom-printed T-shirts, mugs, and gifts online is a trendy business. With social media marketing, you can attract college students and young professionals who love personalized products. However, printer maintenance costs should be considered.

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Ans: Hello dear.
Yes. You can appear for JEE. But why you are thinking about three attempts? Try to appear in the exam like JEE almost 2 times. Even in 2nd attempt, most of the students get fed up. Best of luck for your upcoming exam.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Ans: Hello Ashokreddy.
Are you asking for PAN India, or is your state not clear? Are you an aspirant of JEE or state engineering entrance test is also unclear. Pl mention the details to guide you properly. Thanks