36-Year-Old Self-Made Businessman Asks: Can I Retire Early & Pursue Godly Goals?

Ans: Your financial standing reflects thoughtful planning and stability. Let’s evaluate your situation and align it with your goals for travel, exploration, and charity.

Assets and Income Assessment
1. Commercial Real Estate
Value: Rs. 4.5 crore, with a lease tenure of 9 years.
Current rent: Rs. 3 lakh per month, escalating 3% annually.
This provides a reliable and growing passive income stream.
2. Fractional Commercial Investment
Value: Rs. 25 lakh with Rs. 15,000 monthly rent.
Lease tenure ensures steady returns for the next 7 years.
3. Commercial Land
Value: Rs. 25 lakh.
This land could appreciate significantly over time.
4. Business Advisory
Monthly earnings: Rs. 50,000.
This adds a supplemental income stream while keeping you professionally active.
5. Crypto Investments
Value: Rs. 20 lakh.
High volatility in crypto requires monitoring and diversification.
6. HDFC ULIP Equity Fund
Value: Rs. 12 lakh.
ULIPs are costly due to insurance components. Consider surrendering and reinvesting.
Monthly Expenses
Your Rs. 2 lakh monthly expense is well-supported by rental and advisory income.
Current passive income of Rs. 3.65 lakh exceeds expenses comfortably.
Evaluating Your Retirement Status
Technically, you are financially independent, with income streams covering expenses.
Maintaining your small business provides engagement but isn’t financially necessary.
Your retirement depends on your readiness to shift focus from business to life goals.
Aligning Financial Goals with Aspirations
1. Travelling and Exploring
Your income supports world travel without depleting assets.
Passive income ensures lifestyle continuity even while travelling.
2. Charity and Helping the Needy
Allocate a percentage of passive income (e.g., 10%) for charitable activities.
Establish a charitable trust for tax benefits and structured giving.
Recommendations for Financial Efficiency
1. Reevaluate ULIP Investment
ULIPs combine insurance and investment, often leading to lower returns.
Surrender the policy and reinvest Rs. 12 lakh into mutual funds for better growth.
2. Diversify Crypto Holdings
Cryptocurrencies are speculative and volatile.
Limit exposure to 5-10% of your portfolio.
Consider reallocating to stable equity or debt investments.
3. Strategic Investment of Commercial Land
Commercial land offers potential for appreciation but generates no current income.
Explore development or joint ventures to create an additional revenue stream.
4. Review Rental Investments
Commercial real estate offers stable income, but diversification is essential.
Consider investments in equity mutual funds to balance liquidity and growth.
Travel and Charity Execution Plan
1. Travel Goals
Start by identifying the places you want to visit and the estimated costs.
Allocate a portion of your passive income for these expenses.
2. Charity and Philanthropy
Regular contributions from rental income ensure sustained charity.
Establishing a trust or foundation allows you to channel efforts systematically.
Financial Sustainability Analysis
You are in a strong financial position to retire and pursue life goals.
Rental income escalation provides inflation-adjusted returns.
Diversification into mutual funds enhances growth potential and liquidity.
Final Insights
You have achieved financial freedom and can comfortably focus on travel, spirituality, and charity. Streamline your investments for efficiency and growth while ensuring stability. This is an excellent time to pursue your passions while securing your family’s future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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