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40-Year-Old Man Seeks Financial Advice to Retire Comfortably with a Monthly Income of 2.5 Lakhs at 50

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 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 - Dec 20, 2024Hindi
Money

I am a 40 year old male married with no kids working in an IT company, my current portfolio consist of 1 apartment in Bangalore (home loan is completed), 1 site in my hometown worth 1 Cr, 8 lakh in SGB, 6 lakh in stocks, 6 lakh in ppf, 26 lakh in PF, 3.5 lakh in NPS In order to retire comfortably at the age of 50 i want to invest in such a way that my monthly income/pension should be 2.5 lakh Please provide some financial advice to me to achieve my goal.

Ans: You have a solid starting point with your existing portfolio. However, achieving your goal of Rs. 2.5 lakh monthly income at retirement will require meticulous planning and disciplined investing. Here's a detailed roadmap tailored to your needs.

Assessing Your Current Portfolio
Real Estate Assets

One apartment (home loan cleared) provides potential rental income.
A site in your hometown worth Rs. 1 crore is currently a non-productive asset.
Financial Assets

Sovereign Gold Bonds (SGB): Rs. 8 lakh, offering stable interest and appreciation.
Stocks: Rs. 6 lakh in equities for long-term growth.
PPF: Rs. 6 lakh, offering safe and tax-free returns.
Provident Fund (PF): Rs. 26 lakh, providing stability and regular growth.
NPS: Rs. 3.5 lakh, adding to your retirement corpus.
Your total financial assets stand at Rs. 49.5 lakh.

Retirement Goal Analysis
Desired Income: Rs. 2.5 lakh per month or Rs. 30 lakh per year.
Investment Horizon: 10 years until age 50.
Inflation Impact: Adjust the target corpus for inflation to sustain your lifestyle.
Risk Profile: Balance between growth-focused and stable investments.
Recommended Investment Strategy
Step 1: Determine Your Retirement Corpus
For a Rs. 2.5 lakh monthly income, your corpus should sustain withdrawals for 30+ years.
Factor in inflation-adjusted growth to ensure purchasing power.
Step 2: Allocate Current Portfolio Effectively
Utilise Non-Performing Real Estate Assets

Sell the site worth Rs. 1 crore in your hometown.
Invest proceeds into a diversified portfolio for growth.
Avoid retaining illiquid assets without income generation.
Maximise Equity Investments

Increase equity exposure for long-term growth.
Invest in actively managed funds for better performance over index funds.
Regular funds through an MFD with CFP credentials offer professional oversight.
Leverage PPF and PF Contributions

Continue contributions to PPF for safe, tax-free returns.
Retain PF contributions to build a stable retirement corpus.
Optimise NPS Investments

Shift to a higher equity allocation within NPS for better growth.
NPS provides tax-efficient returns and retirement income options.
Step 3: Start a Systematic Investment Plan (SIP)
Monthly SIP Amount: Invest aggressively over the next 10 years.
Fund Selection: Choose equity mutual funds with a proven track record.
Taxation: Equity LTCG above Rs. 1.25 lakh taxed at 12.5%; STCG taxed at 20%.
Step 4: Create a Diversified Portfolio
Equity Mutual Funds

Allocate 60%-70% to actively managed equity funds.
Focus on large-cap, flexi-cap, and mid-cap funds for diversification.
Debt Instruments

Allocate 20%-30% to debt funds for stability.
Include corporate bonds and dynamic bond funds for better yields.
Gold Investments

Retain existing SGBs for stability and hedge against inflation.
Emergency Fund

Maintain 6-12 months of expenses in liquid funds or fixed deposits.
Step 5: Increase Income Generation from Existing Assets
Rental Income
Rent out your apartment in Bangalore for additional cash flow.
Use rental income to supplement SIP investments.
Key Considerations
Taxation and Efficiency
Keep your tax liability in mind while planning withdrawals.
Diversify investments to optimise post-tax returns.
Periodic Review of Investments
Monitor portfolio performance regularly.
Rebalance asset allocation based on market conditions.
Seek guidance from a Certified Financial Planner for fine-tuning.
Final Insights
Your goal of Rs. 2.5 lakh monthly income is ambitious but achievable. Selling non-performing assets and investing aggressively will create a strong retirement corpus. Maintain discipline in SIP contributions and periodically review your investments. With this approach, you can enjoy financial freedom at 50.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 31, 2024

Asked by Anonymous - Jul 30, 2024Hindi
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Money
I'm 45, earning 2.5L per month, debt free,married 2 kids, son studying 11standard and daughter 7th standard. My monthly expenses comes to 65000 per month currently, rest all saved and invested. I own 2C worth villa in city, a sedan, no credit card debt. I have 60L savings in account, 2.6L in LIC annuity life long giving Rs.1400 interest/month, 12L in PPF, 6L in Postoffice Savings SST, 1L in NPS, 11L ICICI signature plan need to pay 5L every year for next 5 years(18% returns), 1L PRAN, 5L worth gold-silver coins, 45L in fixed deposits in mom and wife names in many different small finance banks earning monthly interest(8.5-9%), 46L in my EPF. I want to plan to retire by 50 with life span of 75 with with 80L for 2 kids higher studies with atleast 5CR+ total corpus as goal. Kindly advice and guide me how to achieve it with moderate risk apetite..
Ans: Current Financial Situation
Age: 45 years
Monthly Income: Rs. 2.5 lakhs
Monthly Expenses: Rs. 65,000
Family: Married with 2 kids (son in 11th standard, daughter in 7th standard)
Assets: 2 crore worth villa, a sedan, no credit card debt
Savings and Investments:
Rs. 60 lakhs in savings account
Rs. 2.6 lakhs in LIC annuity giving Rs. 1400 interest/month
Rs. 12 lakhs in PPF
Rs. 6 lakhs in Post Office Savings SST
Rs. 1 lakh in NPS
Rs. 11 lakhs in ICICI Signature Plan (need to pay Rs. 5 lakhs every year for next 5 years)
Rs. 1 lakh in PRAN
Rs. 5 lakhs worth of gold-silver coins
Rs. 45 lakhs in fixed deposits in mom and wife’s names
Rs. 46 lakhs in EPF
Retirement Goals
Retirement Age: 50 years
Life Expectancy: 75 years
Kids' Higher Education: Rs. 80 lakhs
Total Corpus Goal: Rs. 5+ crores
Investment Strategy
Evaluate Current Investments
1. Savings Account and Fixed Deposits

Observation: Low returns (3-4% in savings, 8.5-9% in FDs).
Action: Consider shifting some funds to higher-yield investments.
2. LIC Annuity and ICICI Signature Plan

Observation: LIC annuity provides minimal returns. ICICI Signature Plan promises 18% but verify actual returns.
Action: Assess ICICI plan's performance. Shift LIC annuity to higher-yield funds if possible.
3. PPF, NPS, and Post Office Savings

Observation: Safe investments but with moderate returns.
Action: Continue PPF and NPS contributions for tax benefits and retirement corpus.
Optimize Investments
1. Increase SIP in Mutual Funds

Strategy: Diversify across large, mid, and small-cap funds. Aim for balanced risk and growth.
Monthly SIP: Consider increasing to Rs. 1 lakh or more for the next 5 years.
2. Diversify Portfolio

Strategy: Include equity mutual funds, balanced funds, and debt funds.
Moderate Risk: Balance between growth and safety.
3. Invest in Children's Education Funds

Action: Allocate Rs. 80 lakhs in equity mutual funds or balanced funds.
Goal: Ensure sufficient funds for kids' higher education.
Retirement Corpus Planning
1. Projected Returns

Strategy: Aim for a mix of equity and debt for optimal returns.
Projection: Assume 10-12% average returns over 5 years.
2. Systematic Withdrawal Plan (SWP)

Action: Post-retirement, use SWP for monthly expenses.
Goal: Ensure regular income without depleting corpus rapidly.
Tax Planning
1. Maximize Deductions

Section 80C: Utilize Rs. 1.5 lakhs limit through PPF, ELSS, and other investments.
Section 80CCD(1B): Additional Rs. 50,000 through NPS.
2. Optimize Tax-Efficient Investments

Tax-Free Returns: Focus on PPF, NPS, and long-term capital gains on equity funds.
Tax-Efficient Withdrawals: Plan withdrawals to minimize tax impact.
Insurance Coverage
1. Adequate Life Insurance

Action: Ensure adequate life cover for family’s security.
Consider: Term insurance for high coverage at low cost.
2. Health Insurance

Action: Comprehensive health coverage for family.
Goal: Avoid financial strain due to medical emergencies.
Regular Monitoring and Review
1. Annual Review

Action: Review investments annually.
Goal: Adjust based on performance and goals.
2. Financial Advisor Consultation

Certified Financial Planner: Seek periodic advice for professional guidance.
Final Insights
With careful planning, achieving a corpus of Rs. 5 crores by 50 is feasible. Prioritize investments in equity mutual funds for growth, while balancing with safe instruments like PPF and NPS. Regularly review and adjust your portfolio. Ensure adequate insurance coverage for risk management.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 29, 2025

Money
hi, i'm 47 years old working man. i have liability of 10 laks, where EMI is of Rs. 30k pm, my salary is Rs. 1,00,000. with rent of Rs. 20k, Childs school fees of Rs. 5000pm and other expenses goes to Rs. 30-35k pm. My savings are Rs. 3600 PF ( employee + employer ) SIP of Rs. 1800 pm + Rs. 2000 to my Childs saving account. i want to retired by 55 yrs of Age and want my portfolio to b Rs. 10000000.00 what is to be done.
Ans: At 47, you walk a strong path with your income, but you also have responsibilities and a clear retirement goal. You have liabilities of Rs.?10?lakhs with EMI of Rs.?30,000, rent of Rs.?20,000, a child’s school fee of Rs.?5,000, and other expenses of Rs.?30-35k. You save through PF (Rs.?3,600), SIP (Rs.?1,800), and your child’s account (Rs.?2,000). Your objective is Rs.?1 crore by age 55. That gives us eight years. Let us create a 360-degree roadmap to reach your goal.

Assessing Current Financial Health
We start by understanding where you stand today:

Monthly income: Rs.?1,00,000

Liabilities worth Rs.?10?lakhs with monthly EMI = Rs.?30,000

Rent expense = Rs.?20,000

Child’s school fee = Rs.?5,000

Other monthly outflows = Rs.?30–35,000

Monthly contribution to PF + employer = Rs.?3,600

SIP = Rs.?1,800

Child savings = Rs.?2,000

You show strong intent by saving and investing already. That is a solid base. But we need clearer savings structure and goal roadmap to reach Rs.?1 crore in eight years.

Strengthen Monthly Cash Flow
First, you need clarity on your monthly cash flow to free up resources for goal investing:

Track all expenses weekly in a simple notebook or app

Categorise spending: rent, EMI, utilities, groceries, discretionary

Cut low-value expenses (subscriptions, luxury meals, credit card interest)

Target at least 20% to 25% savings from monthly income

That would free up Rs.?20,000 to 25,000 each month

Avoid new consumer loans until EMI reduces

Build Emergency and Protection Fund
You have no mention of emergency fund yet. This must be addressed before aggressive investing:

Create an emergency buffer of 6 months of expenses

For you, that is around Rs.?3 to 4 lakhs

Keep this fund in liquid assets (sweep-in FD or liquid mutual funds)

This backup will prevent distress selling during crises

Next, insurance protection:

You are the family income earner. Term insurance is crucial

Take term cover worth 15–20 times your annual income

Purchase personal health insurance for self and family

Avoid ULIPs or investment-linked insurance plans

If you hold any LIC or ULIP now, surrender them

Re-invest proceeds into mutual funds for better growth

Manage and Optimize Liabilities
Liabilities are moderate but EMI is high considering your income:

Home/Other Loan (Rs.?10 lakh)

EMI is Rs.?30,000 per month

This EMI is around 30% of income

Keeping EMI lower gives comfort

If needed, extend loan tenure to reduce EMI

Continue paying without missing to avoid penalty

Car Loan, Personal Loans

You have not mentioned these, so track them if any

Avoid new loans (personal/car) for at least next 3–4 years

Stop using credit card for large payments

Define and Prioritise Financial Goals
You want Rs.?1 crore by age 55. That’s a clear long-term goal. But also plan for other needs:

Short-term Goals (1–2 Years)

Complete emergency fund

Clear non-home loans

Setup adequate insurance

Mid-term Goals (3–8 Years)

Accumulate Rs.?1 crore corpus by age 55

Plan for child’s higher education

Build regular savings pipes

Long-term Goals (8+ Years)

Retirement at 60 or later

Health expense buffer for old age

Legacy planning for children or spouse

Set each goal with realistic timelines and cost estimates. Writing them clarifies investment need.

Align Investments to Goals
Your current savings (PF + SIP) is small relative to goal. We need to turbocharge investments:

Systematic Investment Planning (SIP)

Increase monthly SIP to at least Rs.?15,000 now

Use actively managed equity funds only

Don’t use index funds

Why avoid index funds?

They passively track markets

No active stock selection or downside protection

Limited growth potential in volatile conditions

Lack of manager-led risk adjustments

Why choose actively managed funds?

Professional fund managers pick growth stocks

Can avoid weak sectors or companies

Better potential returns over long term

Ideal for goal-based wealth building

Regular vs Direct Plans
You must invest via regular plans through an MFD with CFP credential:

Direct plans lack periodic review

Risk of wrong fund choice is high

You may not act in turbulence

Regular plans offer:

Expert portfolio construction and rebalancing

Goal tracking and support during volatility

Emotional discipline and timely guidance

Debt vs Equity

Don’t move savings to debt now

Equity funds give better growth to reach Rs.?1 crore

Use debt hybrid funds later for stability as you near goal

Retirement Corpus Strategy
To reach Rs.?1 crore in 8 years, we need disciplined systematic investing:

Use active equity SIPs aligned to goal

Consider increased SIP after salary hikes

Review portfolio annually with your CFP

Optionally, use NPS post-tax benefit, but keep lock-in in mind

Retirement funds must remain untouched

Child Education/Marriage Corpus
While child school fees is small, future costs will rise:

Start a separate SIP for child’s higher education and marriage

Put Rs.?5,000 to Rs.?10,000 monthly depending on goal timeline

Use actively managed diversified equity/midcap funds

Rebalance as child enters higher education phase

Use Gold Sparingly for Portfolio Diversity
You may or may not hold gold:

Gold can be kept at 5% to 10% of portfolio

But it should not be your main savings route

Avoid knee-jerk buying when prices rise

No liquidation needed unless portfolio needs rebalancing

Tax Optimisation Alongside Growth
Maximise take-home income and portfolio efficiency:

Invest in ELSS funds under Section 80C

Stay under net investment limit to avoid LTCG tax stamp

For equity funds: LTCG >Rs.?1.25?lakh taxed at 12.5%

STCG taxed at 20%

Debt mutual funds follow income tax slab rates

Use 80D for health insurance deduction

Avoid insurance-related tax saving products

Control Lifestyle Inflation
Don’t let income growth erode savings:

Avoid inflated lifestyle post salary increments

No new cars, gadgets, holidays if they derail savings

Keep rent-to-income ratio comfortable

Avoid impulse purchases and EMI-based upgrades

Focus Review and Rebalance Over Time
Your plan needs periodic check-ins:

Review all SIPs and debt instruments every 12 months

Check returns against goals

Rebalance if equity exposure is too high or low

Increase SIP amounts with salary growth

Clean up underperforming funds promptly

Re-align investments as you near 55

Finally
You are 47 with eight years to build Rs.?1 crore corpus. With focused action, you can get there. Here’s your 360-degree roadmap:

Clarify monthly income, expenses, and savings

Tap in at least Rs.?20,000 monthly for goal investing

Build a Rs.?3–4 lakhs emergency fund

Take term insurance of 15–20x annual income

Take Rs.?10 lakhs health cover

Reduce EMI burden by extending or repaying responsibly

Avoid passively copying index funds

Only invest in actively managed funds

Use regular plans via MFD + CFP for discipline

Increase SIP, review yearly, rebalance regularly

Build child’s corpus separately

Control lifestyle inflation

Use tax deductions wisely

You already do well in savings. Now amplify with structured wealth building.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 22, 2025Hindi
Money
I am going to be 36 years soon. I have a wife and 3 years old son. I currently have 30LPA ctc and living in second tier city. I am currently living in a home owned by me. I have no loans currently. I have investments as below: 1) Mutual Funds: 9 Lakhs (34000 per month spread across multiple mfs) 2) Equity Shares: current value: 14 Lakh 3) EPF: 20 Lakh (34000 per month) 4) PPF: 18 Lakh (1.5 lakh PA) 5) SGB: 100 gms (bought in the last SGB before it got discontinued) 6) ULIP: 7 Lakh (ending on 2027 with 5000 per month) 7) RD: 11 lakhs saved - 1 Lakh per month (saving for buying land in upcoming areas, hopefully will buy land at cost around 20-25 lakh max) I want to retire by 45 years. Currently, I get 1.75 lakh per month in hand after tax and epf deductions. My monthly expenses is max 20-25 K per month. Please suggest, what should I do to retire with full financial security? As a family we don't spend too much on unnecessary wants. Even after retirement, I need atleast 1-1.5 lakh per month so that I can continue my investment in MFs.
Ans: Appreciate your discipline in saving and living below your means.
Having no loans, strong monthly surplus, and clear goals at age 36 is rare.
Early retirement by 45 is bold but possible with smart, flexible strategies.
Let’s plan everything step-by-step from a 360-degree view.

? Assessing your financial standing today

– Age: Almost 36 years
– Family: Wife and 3-year-old son
– Residence: Own house, no home loan
– Take-home pay: Rs.?1.75 lakh per month
– Monthly spending: Rs.?25,000 max
– Huge surplus of Rs.?1.5 lakh monthly

– Investments:

Mutual Funds: Rs.?9 lakh + Rs.?34,000 monthly

Equity Shares: Rs.?14 lakh

EPF: Rs.?20 lakh + Rs.?34,000 monthly

PPF: Rs.?18 lakh + Rs.?1.5 lakh annually

SGB: 100 grams

ULIP: Rs.?7 lakh + Rs.?5,000 per month till 2027

RD: Rs.?11 lakh + Rs.?1 lakh per month (land saving)

– No debt, low expenses, strong savings habits
– Mindset is long-term and conservative, which helps consistency
– These are great strengths for your goal of retiring early

? Immediate cash flow allocation strategy

– Monthly inflow: Rs.?1.75 lakh
– Monthly expense: Rs.?25,000
– Surplus: Rs.?1.50 lakh every month

– Out of this:

Rs.?1 lakh RD set aside for land

Rs.?5,000 ULIP

Rs.?34,000 mutual funds

– Remaining usable monthly surplus = around Rs.?11,000

– RD for land is short-term. Once land is bought, you can reroute that Rs.?1 lakh

– Try to close land purchase in the next 12–15 months if possible
– Till then, continue current setup without change

? On land purchase plan using RD

– Buying land is not an investment, only an asset
– Value appreciation is uncertain and liquidity is poor

– If land is for future construction or inheritance, then continue
– If thinking of resale or rental return, that’s not ideal

– Once land is bought, stop RD and use that Rs.?1 lakh monthly for retirement investments

– Don’t keep too much locked in physical assets that give zero income

? Review of ULIP investment

– You have Rs.?7 lakh in ULIP and paying Rs.?5,000 monthly till 2027
– That’s Rs.?60,000 per year till 2027

– ULIPs mix insurance and investment. They give low flexibility, low returns
– Exit charges reduce returns in early years

– Since maturity is near (2027), hold till then
– But do not invest in any more ULIPs going forward

– After maturity, reinvest the amount in mutual funds via regular plans
– Choose funds through a Certified Financial Planner, not directly

? Disadvantages of index funds and direct plans

– Index funds follow the market, no protection in downturns
– Actively managed funds aim for higher returns through expert decisions

– Index funds lack downside control and ignore market conditions
– Active funds adapt and manage risk actively

– Direct plans save commission but lack CFP support
– Without guidance, investors make emotional decisions and get poor results

– Regular mutual funds via a CFP and MFD give review, rebalancing, and tax advice
– This helps long-term growth and control

? EPF and PPF roles in retirement

– EPF corpus grows with job and interest
– Current EPF balance is Rs.?20 lakh
– With Rs.?34,000 per month, it will be sizeable at 45

– Same for PPF with Rs.?1.5 lakh per year
– But both are locked and low-liquidity until certain age

– EPF cannot be withdrawn fully before 58
– PPF matures 15 years after start, partial withdrawal allowed after 7 years

– So these will not help fully at age 45
– They are useful later at 55–60 for stability

– You must create a separate retirement fund that’s flexible from age 45

? SGB role in retirement

– 100 grams of SGB gives annual interest till maturity
– Can redeem after 5th year but full amount at 8th year only

– It adds to long-term safety layer but cannot be main income source
– Keep it as part of gold allocation

? Equity shares – how to handle

– Rs.?14 lakh in equity shares is good
– But direct stock investments need strong research and review

– If you don’t track them regularly, returns may suffer
– Volatility and concentration risk are higher

– Shift some portion to mutual funds in a phased way
– Use guidance from a Certified Financial Planner

– Keep not more than 20% in direct equity

? Building retirement corpus by age 45

– You want Rs.?1 lakh to Rs.?1.5 lakh per month post retirement
– This will be for both lifestyle and investments

– You will need to build a flexible corpus that can generate income early

– You have 9 years to build it (from age 36 to 45)

– Starting now, monthly retirement allocation should be Rs.?75,000–1 lakh
– This should go into actively managed mutual funds only

– Use 3 to 5 funds, across large-cap, mid-cap, and hybrid categories
– Select funds through an MFD or CFP, not direct

– Avoid chasing returns. Stay consistent every month

? Mutual fund portfolio structure

– Diversify across equity and hybrid funds
– Allocate more to growth now, shift to balanced later

– Use STP and SWP from age 45 onwards for income
– STP helps reduce risk while moving money from debt to equity

– SWP creates monthly cash flow without breaking your investments

– Ensure you optimise capital gains
– For equity: LTCG above Rs.?1.25 lakh taxed at 12.5%
– STCG taxed at 20%

– Debt fund gains taxed as per your income slab

– Tax planning in mutual funds is a yearly task
– Your CFP will guide you how to rebalance and withdraw tax efficiently

? After retirement – managing cash flows

– From age 45, you will need monthly income of Rs.?1.5 lakh
– Use SWP to draw money from mutual funds systematically

– Don’t withdraw full in one go
– Plan withdrawals in such a way that tax stays low

– Use part of corpus in hybrid funds and debt for safety
– Keep 12–18 months expenses in liquid or ultra-short fund

– Review income and expenses yearly

? Emergency fund and insurance layer

– You must have Rs.?3–6 lakh in liquid fund for emergencies
– This covers medical or job gaps

– Term insurance of Rs.?1 crore minimum is needed till age 50
– Health insurance for family of at least Rs.?10–15 lakh

– Medical inflation is rising. Don’t ignore this layer

– Re-check ULIP if it includes insurance. But don’t rely on it fully

? Child education and marriage goals

– Your child is 3 years old now
– Education goal in 15 years, marriage in 25 years

– Start a separate SIP of Rs.?15,000 for education now
– Start another Rs.?10,000 for marriage goal

– These should go into separate mutual fund folios
– Keep these funds untouched for personal needs

– These goals must be protected from your retirement usage

? Final Insights

– You are far ahead in savings, spending habits, and goal setting
– Retiring at 45 is bold but possible with discipline

– Key actions:

Avoid real estate unless for use, not investment

Avoid annuities, index funds, and direct funds

Focus fully on mutual funds with regular plan under CFP guidance

After land purchase, invest that RD amount into retirement mutual funds

ULIP – hold till 2027, then switch to mutual funds

PPF and EPF – hold as retirement buffers beyond age 55

– From now till age 45, build a flexible mutual fund portfolio
– From 45 onwards, use SWP to generate income
– Track capital gains tax while redeeming

– Don’t withdraw from PPF or EPF early
– These are your late retirement shields

– Maintain emergency fund and health cover
– Protect your retirement and your child’s future separately

– Get yearly review from Certified Financial Planner
– Adjust portfolio as goals get closer

– Stay consistent and patient. You can retire early and live well

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

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 28, 2025

Asked by Anonymous - Aug 27, 2025Hindi
Money
I am 40 year old below is my portfolio, current monthly expenses is 25k. Monthly income 1.2 lacs, 50 lkh in fd (with short and long term). 30 lkh in savings account. Lic 5 lkh going to mature in 2032. 2 lkh in mutual fund.Medical insurance 5 lkh. Have own flat in Bangalore worth 1.5 crore. No children. Wanted to retire at the of 50. Please advice how to invest so that will get a decent income post retirement. Thanks .
Ans: You have built a good financial foundation. Your goal to retire by 50 is achievable with the right asset allocation and disciplined investment approach. Below is a full 360-degree assessment of your portfolio and retirement planning.

» Income, Expenses and Savings Ability

– Your monthly income is Rs. 1.2 lakh.
– Monthly expense is only Rs. 25,000.
– So, your monthly surplus is Rs. 95,000.
– That’s almost 80% savings ratio. Excellent discipline.
– Over next 10 years, this surplus must work hard for you.

» Analysis of Existing Asset Allocation

– Rs. 50 lakh in fixed deposits is quite conservative.
– Rs. 30 lakh lying idle in savings account is underperforming.
– LIC policy is low value and matures too late.
– Only Rs. 2 lakh invested in mutual funds is too low.
– Total financial assets = Rs. 82 lakh (excluding property).
– Allocation is highly skewed towards low-return instruments.
– Flat worth Rs. 1.5 crore is self-occupied, not income-generating.

» Assessment of Retirement Goal

– You want to retire at 50. You are now 40.
– That gives you only 10 years to build retirement corpus.
– Post-retirement, you may live till 85. That’s 35+ years.
– Assuming Rs. 40,000 to Rs. 60,000/month expenses post-retirement, inflation-adjusted.
– Your corpus should generate income for 35 years.
– So, you must shift towards growth-oriented instruments now.
– Current FD and savings account will not beat inflation.

» Suggested Investment Strategy (Shift from Idle to Active)

– Rs. 30 lakh in savings account must be redeployed.
– Rs. 50 lakh FD should be gradually reduced.
– Keep only Rs. 10 lakh in FD as emergency fund.
– Rs. 70 lakh (from FD + savings) should be moved to investments.
– Use STP route to shift into equity mutual funds over 12-18 months.
– Begin SIPs from monthly surplus of Rs. 95,000.
– Allocate Rs. 80,000/month towards mutual fund SIPs.
– Keep Rs. 15,000/month for annual insurance premium and minor contingencies.

» Suggested Mutual Fund Asset Allocation

60% to diversified equity mutual funds (flexi-cap, large & mid-cap, mid-cap)

20% to aggressive hybrid funds for stability

10% to dynamic asset allocation or balanced advantage funds

10% to short duration debt funds or liquid funds for near-term liquidity

– Avoid thematic, sectoral, or small-cap funds at this stage.
– Focus on consistency, long-term compounding, and risk-adjusted growth.

» Why Regular Funds Through MFD Are Preferred Over Direct

– Direct funds seem low-cost but have hidden risks.
– Wrong fund selection, wrong time entry/exit can reduce gains.
– You miss expert guidance during volatile markets.
– MFD with CFP helps align funds to goals, tax strategy, asset rebalancing.
– Regular plans include this personalised handholding.
– Over 25+ years, this guidance adds more value than direct cost savings.

» Why You Should Avoid Index Funds

– Index funds just follow market blindly.
– No downside protection in falling markets.
– Returns can be volatile and unfiltered.
– Actively managed funds have fund manager insight and agility.
– They can avoid underperforming sectors and overweight growth ones.
– For wealth creation and peace, active funds are better for you.

» Reassess the LIC Policy

– LIC maturity is 2032 with only Rs. 5 lakh value.
– Check if it is a money-back or endowment plan.
– Return is likely below 5% CAGR.
– If surrender value is available, consider exiting.
– Reinvest this in mutual funds for long-term compounding.
– Insurance should be for protection, not investment.

» Insurance Planning Review

– Rs. 5 lakh health cover is too low.
– Healthcare inflation is high.
– Add a Rs. 25 lakh top-up super top-up health insurance.
– Premium is reasonable and gives long-term protection.
– You don’t need term insurance as you have no dependents.

» Retirement Corpus Strategy (Rs. 2 Crore Target or Higher)

– With Rs. 70 lakh lumpsum invested, plus Rs. 80,000/month SIP for 10 years
– You can build over Rs. 2 crore corpus at moderate returns.
– This will be your retirement fund post age 50.
– From age 50, start SWP from this mutual fund corpus.
– Withdraw only 4% annually to sustain for 30+ years.
– This gives inflation-adjusted monthly income for long term.

» Safe Withdrawal Strategy After Retirement

– Avoid withdrawing from entire corpus.
– Use SWP (Systematic Withdrawal Plan) from hybrid and debt funds.
– Keep 3 years’ expenses in liquid/short-term debt funds.
– Rest should remain in equity mutual funds to grow.
– Review withdrawal strategy every 2-3 years.
– Rebalance between equity and debt periodically.

» Tax-Efficient Withdrawal Approach

– After retirement, your income will be lower.
– Use basic exemption limit every year (Rs. 3 lakh).
– Withdraw from equity funds using SWP – LTCG above Rs. 1.25 lakh taxed at 12.5%.
– Short-term capital gains (STCG) are taxed at 20%.
– Debt fund withdrawals taxed as per slab.
– So plan withdrawals smartly across fund categories.
– Reduce FD interest as it’s fully taxable.

» Why Real Estate Is Not a Retirement Tool

– Your Bangalore flat is self-occupied.
– You may get emotional offers to sell or rent.
– But maintenance, tenant risk, low rental yield is a burden.
– Do not plan retirement income from property.
– Focus on financial assets which are liquid and low hassle.

» What Not To Do

– Don’t keep large savings idle in account.
– Don’t over-rely on FDs.
– Don’t treat insurance as investment.
– Don’t try to time the market.
– Don’t fall for direct plans or low-cost apps without advice.
– Don’t invest in ULIPs or NPS at this stage.
– Don’t delay investments waiting for perfect time.

» Next Steps for You

– Start liquidating Rs. 30 lakh savings account into STP.
– Review FD maturity schedule. Shift Rs. 40 lakh in phased manner.
– Begin SIPs with Rs. 80,000 monthly commitment immediately.
– Meet Certified Financial Planner (CFP) to select best mix of mutual funds.
– Set clear retirement corpus target. Monitor yearly.
– Track performance. Rebalance every year.
– Upgrade health insurance. Discontinue low-return LIC if possible.

» Finally

You have a golden chance to retire early. You already have high savings, no loan, own house. With focused equity investments and periodic reviews, Rs. 2.5 crore+ retirement corpus is possible in 10 years.

But idle funds must be activated today. Mutual funds give the right balance of growth and liquidity. Don’t settle for FD-like returns in your best earning years. Take action step-by-step with guidance from a MFD with CFP certification.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.
Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

...Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...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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