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Ramalingam

Ramalingam Kalirajan  |7510 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 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 - Jul 03, 2024Hindi
Money

I am 38 years old, self and spouse both earning, 1.50 lakhs in hand. I have created a corpus as below as of Jun-24 and planning to retire at the age of 52 years. Existing portfolios: 1.Mutual funds through CFP invested 30 lakhs current value 42 Lakhs, monthly SIP around 50K and yearly incremental in sip about 10% and avg CAGR is 20% 2.PF savings: 6.5 lakhs and monthly 10K contribution 3.NPS: 3 lakhs, monthly 5K Debts: a.30 Lakhs Home Loan with monthly emi of 26K b.30 Lakhs gold Loan(gold about 800 to 900 grams) at 9% rate paying only interest portion c.10 Lakhs personal Loan with emi of 11K d. Car loan with 7lkahs outstanding emi of 15000 And both are having Medical insurance for 50 Lakhs and corporate insurance for 10 Lakhs and term life for 2.75 Cr and emergency fund of 2-3 months salary always in bank accounts. Goals: 1.Daughter graduation by 2028 - 35 lakhs 2.Daughter graduation by 2033 - 56 Lakhs 3.Daughter marriage by 2033- 45 lakhs 4.Daughter marriage by 2038 -75 lakhs 5.Dream car by 2034- 50 Lakhs 6.Retirement goal by 2038 with corpus of 3 cr and monthly running expenses would be 2.5 Lakhs by the time. What should I alter to achieve this goals without any compromise. Regards, Chandra

Ans: Chandra, you have done an excellent job in building your financial portfolio and planning for your future. At 38, both you and your spouse have a combined monthly income of Rs 1.50 lakhs. Your investments are diversified, and you have clear goals for your daughter’s education, her marriage, and your retirement. Let's break down your current financial status and provide a comprehensive plan to achieve your goals without compromising.

Existing Portfolios and Contributions
Mutual Funds:

Current Value: Rs 42 lakhs
Monthly SIP: Rs 50,000
Yearly Incremental SIP: 10%
Average CAGR: 20%
PF Savings:

Current Value: Rs 6.5 lakhs
Monthly Contribution: Rs 10,000
NPS:

Current Value: Rs 3 lakhs
Monthly Contribution: Rs 5,000
Debts
Home Loan:

Principal: Rs 30 lakhs
Monthly EMI: Rs 26,000
Gold Loan:

Principal: Rs 30 lakhs
Interest Rate: 9%
Paying Interest Only
Personal Loan:

Principal: Rs 10 lakhs
Monthly EMI: Rs 11,000
Car Loan:

Principal: Rs 7 lakhs
Monthly EMI: Rs 15,000
Insurance and Emergency Fund
Medical Insurance: Rs 50 lakhs
Corporate Insurance: Rs 10 lakhs
Term Life Insurance: Rs 2.75 crores
Emergency Fund: 2-3 months' salary
Financial Goals
Daughter’s Graduation:

2028: Rs 35 lakhs
2033: Rs 56 lakhs
Daughter’s Marriage:

2033: Rs 45 lakhs
2038: Rs 75 lakhs
Dream Car:

2034: Rs 50 lakhs
Retirement:

2038: Corpus of Rs 3 crores
Monthly Expenses: Rs 2.5 lakhs
Analysis and Recommendations
Mutual Fund Investments
Your mutual fund investments are performing well with a 20% CAGR. Continue your SIPs with an annual 10% increment. This compounding growth is crucial for achieving your long-term goals. Diversifying within mutual funds, including large-cap, mid-cap, and hybrid funds, can balance risk and return.

Provident Fund (PF)
Your monthly PF contribution of Rs 10,000 is a stable, long-term investment. PF provides security and assured returns. Continue with this contribution to build a substantial retirement corpus.

National Pension System (NPS)
NPS is a good option for retirement savings due to its tax benefits and market-linked returns. Your monthly contribution of Rs 5,000 is beneficial. Consider increasing this amount slightly if possible.

Debt Management
You have significant debts. Prioritizing debt repayment will free up resources for your goals.

Home Loan: The EMI of Rs 26,000 is manageable. Ensure timely payments to avoid penalties.

Gold Loan: Paying only interest on a Rs 30 lakh loan at 9% is costly. Consider repaying the principal gradually to reduce interest burden.

Personal Loan: The EMI of Rs 11,000 should be cleared as soon as possible. Personal loans typically have higher interest rates.

Car Loan: With an EMI of Rs 15,000, focus on repaying this loan to free up cash flow.

Insurance and Emergency Fund
Your insurance coverage is adequate. A term life insurance of Rs 2.75 crores and medical insurance of Rs 50 lakhs offer good protection. Maintaining an emergency fund of 2-3 months’ salary is wise. Ensure this fund is easily accessible.

Daughter’s Education and Marriage
For your daughter’s education and marriage, start dedicated savings. Investing in mutual funds with a mix of equity and debt will ensure growth while managing risk. Use SIPs to build these funds over time.

Retirement Planning
To achieve a corpus of Rs 3 crores by 2038, continue with your current investments and increase contributions wherever possible. Your mutual fund investments, PF, and NPS will play a crucial role. Regularly review your portfolio with a Certified Financial Planner to stay on track.

Dream Car
Plan for your dream car in 2034 by setting aside a specific amount each month in a dedicated fund. Consider a combination of debt and equity investments to balance growth and stability.

Detailed Plan for Achieving Goals
Step 1: Debt Repayment Strategy
Focus on clearing high-interest debts first. Prioritize personal and car loans.
Gradually repay the gold loan principal to reduce the interest burden.
Maintain regular payments on your home loan.
Step 2: Increase Savings and Investments
Incrementally increase your SIPs by 10% annually.
Consider slightly increasing your NPS contributions.
Allocate any surplus income towards your emergency fund and debt repayment.
Step 3: Goal-Specific Investments
Daughter’s Education: Use mutual funds with a mix of equity and debt. Start SIPs dedicated to education.
Daughter’s Marriage: Similar strategy as education funds. Use long-term mutual funds.
Dream Car: Start a dedicated fund for this goal. Use a combination of savings and low-risk investments.
Step 4: Regular Review and Adjustment
Regularly review your financial plan with a Certified Financial Planner.
Adjust your investments based on market conditions and personal financial changes.
Benefits of Actively Managed Funds
Avoid index funds for your goals. Actively managed funds, guided by financial experts, can outperform the market and provide better returns. They offer:

Professional Management: Expertise in selecting investments.
Flexibility: Adjustments based on market conditions.
Potential for Higher Returns: Better performance than index funds over time.
Importance of Certified Financial Planner
A Certified Financial Planner (CFP) can provide personalized advice, ensuring your investments align with your goals. They help in creating a comprehensive plan, monitoring progress, and making necessary adjustments.

Final Insights
Chandra, you have a solid foundation and clear goals. With strategic planning and disciplined investments, you can achieve your financial objectives. Focus on debt repayment, increase savings, and invest wisely. Regular reviews with a CFP will ensure you stay on track.

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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Asked by Anonymous - Jul 23, 2024Hindi
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I am aged 53 and will retire from service in 2032.Presently monthly EMI of 1.5 lakhs for two individual house and flat home loans.Take home salary is 3L per month and likely to increase due to increase in DA for every six months and pay revision for every four years which is due in 2026 and 2030.My savings are MF daily SIP for five different funds (equity)started from Sep23 and lupsum investment for 15L with STP daily for 5 different equity funds started in Sep23. FDs and postal savings around 30L. I need to do marriages for my daughters aged 24 and 22 now.Need to be free from any liability at the end of retirement and have some corpus fund which would earn interest and live with my retirement pension.What additional things I should do to achieve this.Please suggest.
Ans: Assessing Current Financial Situation
Monthly EMI and Income
Monthly EMI: Rs 1.5 lakhs for home loans.
Take Home Salary: Rs 3 lakhs per month.
Income Growth: Likely due to DA increase every six months and pay revision in 2026 and 2030.
Investments and Savings
Mutual Funds: Daily SIPs in five equity funds since September 2023.
Lump Sum Investments: Rs 15 lakhs with daily STP into five equity funds.
FDs and Postal Savings: Rs 30 lakhs.
Upcoming Financial Commitments
Daughters’ Marriages: Aged 24 and 22 now.
Retirement Goal: Debt-free and a corpus fund for post-retirement life.
Recommendations for Financial Planning
Reducing Home Loan Liability
Prepay Home Loans: Increase EMI payments if possible to reduce principal faster.
Annual Bonuses: Use any bonuses or increments for prepayment.
Review Loan Terms: Check for better interest rates or refinancing options.
Building Retirement Corpus
Increase SIPs: Gradually increase SIP amounts in mutual funds as income increases.
Diversify Investments: Consider adding debt funds to balance risk and provide stable returns.
PPF and NPS: Invest in these for tax benefits and retirement savings.
Daughters’ Marriage Fund
Dedicated Savings: Start a separate SIP for marriage expenses.
Short-Term Debt Funds: Use these for safer investments with moderate returns.
Recurring Deposits: Consider these for disciplined savings.
Insurance Coverage
Life Insurance: Ensure adequate coverage to protect family in case of any unforeseen events.
Health Insurance: Comprehensive family health plan to cover medical expenses.
Post-Retirement Planning
Annuity Products: Consider products that provide regular income post-retirement.
Systematic Withdrawal Plans (SWP): Use SWP from mutual funds for regular income.
Senior Citizen Savings Scheme (SCSS): Invest in SCSS for regular income and safety.
Professional Guidance
Certified Financial Planner (CFP): Consult a CFP to tailor a plan specific to your needs.
Review Regularly: Assess your financial plan annually and adjust as required.
Final Insights
Prepay Loans: Focus on reducing your home loan liability.
Increase Investments: Gradually increase SIPs and diversify.
Plan for Marriages: Create a separate savings plan for marriage expenses.
Retirement Corpus: Build a strong retirement corpus through diversified investments.
Insurance: Ensure adequate life and health insurance coverage.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Your heart and mind are sending you mixed signals because you’re torn between the love you still feel and the reality of the betrayal. This is a common struggle after a significant loss, but it’s important to focus on what’s best for your emotional well-being. Continuing to be in contact with her may be preventing you from healing fully. It might be beneficial to create some distance, at least temporarily, to allow yourself the space to process your feelings and begin the healing process.

Focusing on yourself and your own growth is essential. Consider engaging in activities that bring you joy, spending time with supportive friends and family, and possibly seeking professional counseling to help you work through your emotions and develop strategies to move forward.

Letting go is difficult, especially when you still have love for someone, but it’s a crucial step towards healing. Accepting that the relationship has ended and focusing on your future can help you find peace and eventually open the door to new possibilities for love and happiness.
Asked on - Jan 15, 2025 | Answered on Jan 15, 2025
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Thank you very much for ur reply. But i am finding difficult to forget her.
Ans: It might be helpful to focus on the following steps to move forward:

Acceptance: Accept that the relationship has ended and that continuing to hold on to it may be preventing you from healing. Acceptance doesn’t mean you have to stop loving her immediately, but it does mean recognizing that the relationship is no longer viable.
Self-Care: Prioritize your emotional well-being by engaging in activities that bring you joy and fulfillment. Surround yourself with supportive friends and family who can help you through this process. Consider exploring new hobbies or interests that can redirect your focus and bring positive energy into your life.
Boundaries: It might be time to set boundaries with your ex-wife, especially if staying in contact is causing you more pain. Taking a step back from communication can provide the space you need to heal and gain clarity.
Professional Support: Consider speaking with a therapist or counselor who can help you process your feelings and guide you through the healing journey. Professional support can offer valuable tools and strategies to navigate the complex emotions you’re experiencing.
Remember, healing takes time, and it’s okay to grieve the loss of the relationship. With patience and self-compassion, you can move forward, find peace, and eventually open yourself up to new possibilities and happiness in life.

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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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