42-year-old manager seeks retirement advice: will Rs 400 lacs be enough?

Ans: Your planned retirement investment strategy has a clear focus on security and stability. You aim for sustainable income with an eye on fulfilling goals like your daughter's marriage, vacations, and car replacement. Let’s evaluate each component to ensure long-term financial health.

1. Investment in MF-SWP: 40 Lakh for Monthly Income
You have proposed to invest Rs 40 lakh in Mutual Fund SWP across debt, conservative hybrid, and balanced advantage funds. Your goal is to start withdrawing Rs 20,000 per month after two years with a 6% annual increase.

Appreciation:

A Systematic Withdrawal Plan (SWP) allows flexibility.
The annual increase helps counter inflation.
Suggestions:

Starting withdrawals after two years can protect your corpus during market volatility.

However, withdrawing 6% may be high over the long run, especially with inflation. A more conservative withdrawal rate of 4-5% could offer more sustainability.

Focus on active funds with a conservative approach. Actively managed funds can potentially outperform index funds over time due to active risk management, especially in volatile markets. Index funds, by nature, may underperform during market corrections, which could erode your capital faster.

Regular funds (via a mutual fund distributor with a certified financial planner) offer professional guidance and monitoring, which is crucial, especially as markets fluctuate. Direct funds lack the advisory element and may lead to inappropriate fund selection.

Final Thoughts on MF-SWP:

Your plan is solid but consider reducing the withdrawal percentage slightly. Ensure you have a Certified Financial Planner review the fund's performance regularly to make adjustments as needed.

2. Investment in SCSS: 30 Lakh
Investing Rs 30 lakh in Senior Citizens Savings Scheme (SCSS) with a monthly return of Rs 20,500 is a stable option.

Appreciation:

SCSS is an excellent choice for a retiree. It provides fixed returns, capital protection, and regular income.
Suggestions:

SCSS is a very safe investment and should remain a core part of your plan. Ensure you renew it after five years for continuous income.

Given that SCSS interest rates are subject to government policy, review the scheme periodically. If rates decline, consider shifting a portion to other fixed-income products with better returns.

Final Thoughts on SCSS:

SCSS is reliable and essential for balancing your portfolio’s risk. Keep a check on interest rate changes and plan renewals accordingly.

3. LIC VPBY: 6.4 Lakh
Your investment in LIC’s Varishtha Pension Bima Yojana (VPBY) offers Rs 5,000 per month.

Appreciation:

VPBY offers a steady monthly income and is backed by the government, making it low-risk.
Suggestions:

This product offers financial security but returns are fixed. As it’s a long-term commitment, ensure that the payout will meet your needs even with inflation.

Evaluate if the returns from VPBY alone will support your rising expenses over the years. Inflation will erode the real value of this fixed income.

Final Thoughts on LIC VPBY:

It's a low-risk, guaranteed income option. However, ensure it remains part of a diversified income strategy to combat inflation.

4. Balance 10 Lakh in MF Lumpsum: Adopt 50-50 Approach
You propose to invest Rs 10 lakh in a 50-50 approach, with a six-year horizon.

Appreciation:

The 50-50 strategy, which likely refers to splitting between equity and debt, is a balanced approach.
Suggestions:

For the equity portion, focus on actively managed funds. This will allow for potentially higher returns compared to index funds, especially if the market faces fluctuations.

For debt, choose high-quality funds with a strong track record. Conservative hybrid funds or debt mutual funds can offer stability while growing your capital over time.

After six years, review your strategy and reinvest intelligently. Consider keeping a portion in hybrid funds or SWP to ensure you have regular income without depleting the corpus entirely.

Final Thoughts on 50-50 Strategy:

This strategy is sound. However, actively managed funds should be a part of it for optimal performance. Stay vigilant and re-evaluate after six years.

Current Investments and Monthly Income
You currently have:

Bank FD: Rs 10 lakh, generating Rs 7,000 per month
RBI FRSB: Rs 6 lakh, generating Rs 4,000 per month
LIC Pension Plan: Rs 7.75 lakh, generating Rs 4,000 per month
MF Dividend: Rs 4 lakh, generating Rs 3,000 per month
MF SWP: Rs 45 lakh, generating Rs 30,000 per month
Appreciation:

Your diversified income sources ensure multiple streams of regular cash flow.

The mix of fixed and market-linked returns is well thought out.

Suggestions:

Continue monitoring the performance of your mutual fund dividends and SWP. The market-linked returns may fluctuate, so regular reviews are necessary.

You are generating a total monthly income of Rs 48,000, excluding your proposed new investments. This falls short of your planned Rs 70,000 monthly expense. Therefore, your planned additional investments, especially in MF SWP and SCSS, are crucial to bridge the gap.

Consider keeping Rs 10 lakh in a liquid or ultra-short-term debt fund for emergency expenses. This can provide higher returns than a savings account and still be accessible when needed.

Final Thoughts on Current Investments:

Your current investments are well-balanced, but regular reviews and rebalancing will help maintain their effectiveness over the long term.

Future Goals and Planning
Your future goals include:

Daughter’s Marriage: Rs 20 lakh in 2027/2028
Car Replacement: Rs 5 lakh in 2028
Domestic and Overseas Vacations: Rs 1.5 lakh for domestic trips and Rs 4 lakh for overseas trips every three years until you are 75 years old
Appreciation:

Your future goals are well defined, and your plan to allocate specific amounts for them shows good foresight.
Suggestions:

For your daughter's marriage, continue investing in a combination of debt and equity funds to grow the corpus.

Consider creating a separate fund for vacations and car replacement. These are predictable expenses and can be planned in advance using a mix of short-term and long-term debt instruments to match your time horizons.

Final Thoughts on Future Goals:

Your goal planning is practical. However, allocate separate funds for each goal to avoid dipping into your retirement corpus prematurely.

Assessing Overall Retirement Sustainability
You have planned for a monthly expense of Rs 70,000 plus Rs 10,000 for emergencies. With your proposed and current income sources, your monthly income can meet this comfortably, provided the funds are managed well and the withdrawal rate is sustainable.

Suggestions:

You aim to live off your investments for the next 30 years. Keep a conservative withdrawal rate (4-5%) from your SWP to avoid running out of money too early.

Inflation will impact your living costs. Ensure your portfolio has enough equity exposure to allow for growth and offset the cost of living increases.

Regularly review your investment performance. You may need to adjust your strategy depending on market conditions, particularly when it comes to SWPs and dividends.

Final Thoughts on Retirement Sustainability:

Your plan is generally well-structured, but regular monitoring and slight adjustments can ensure that your retirement years remain financially secure without depleting your resources.

Final Insights
Your retirement investment plan is thoughtful and comprehensive. You have diversified well across different income streams, including fixed-income schemes and market-linked instruments. Keep reviewing your withdrawal rates, inflation impact, and fund performance to ensure long-term sustainability.

Make sure to re-evaluate your strategy periodically, especially every three to five years, to ensure it meets your needs and goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Instagram: https://www.instagram.com/holistic_investment_planners/

Ans: When there are too many follow-up questions in one go, it becomes difficult to collate and address everything effectively. It’s better to connect directly with a Mutual Fund Distributor + Certified Financial Planner like us for a proper review and action plan.

If you'd like to reach me for a detailed one-on-one consultation, please use the website link in my signature.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: You’ve done a fantastic job till now.

Your journey from starting a Rs 1000 SIP in 2009 to building Rs 92 lakhs corpus is truly inspiring. Your diversification, discipline, and foresight are evident. Early retirement planning is a serious decision, and you’re rightly considering every angle. Let me help you refine this further.

Your Current Financial Snapshot – A Strong Foundation
Age: 39 years

Profession: Banking

Net Monthly Salary: Rs 1.46 lakhs

Annual Variable Pay: Rs 15 to 25 lakhs

Spouse: Government employee (37 years)

Child: 4 years old son

No loans, no EMIs

Own house already built

Corpus in Mutual Funds: Rs 92 lakhs (Invested Rs 47 lakhs, CAGR ~21%)

SIP: Rs 1 lakh/month (diversified across sectors and themes)

PF: Rs 10 lakhs

Savings: Rs 4 lakhs + Rs 6 lakhs incoming by March

Insurance:

Term cover: Rs 3.5 Cr

Accidental Rider: Rs 2 Cr

Permanent Disability Cover: Rs 1.5 Cr

Health Insurance: Rs 1 Cr

Let us now assess the situation from all angles.

1. SIP Strategy – Very Well Done, But Needs Clean-Up
SIP value growth is exceptional. CAGR of 21% is above average.

However, having 60 different funds is over-diversification.

Why this can hurt you

Over-diversification reduces focused growth.

Too many funds from same categories or overlapping sectors.

Portfolio review becomes difficult.

Tracking and rebalancing get complicated.

What you should do

Reduce to 10 to 12 quality funds.

Select across Flexicap, Midcap, Smallcap, Sectoral (only 1 or 2).

Maintain only one fund per category, per AMC.

Avoid similar theme funds (example: too many Pharma or IT).

Use past performance and portfolio overlap tools for pruning.

Take help from an experienced Mutual Fund Distributor (MFD) with CFP credentials.

2. Continue SIPs, But Divide Between Goals
Right now, all your SIP is growth focused. It’s good. But you also mentioned:

Need corpus for 30 years (Rs 30k SIP for that)

Post-retirement income planning

Suggestion:

Continue Rs 1 lakh SIP.

Dedicate Rs 30k to long-term wealth building (30 years).

Allocate remaining Rs 70k towards medium-term goals (like retirement in 2 years).

Split this further:

Rs 30k SIP → Aggressive (Small + Mid + Multicap funds)

Rs 70k SIP → Balanced Allocation (Dynamic Asset Allocation + Large + Flexicap)

3. Switching to Balanced Fund for SWP – Concept is Good
Your idea is:

Retire in 2 years

Switch equity corpus to Balanced Funds

Start SWP of 5% annually

Increase withdrawal by 5% every 2 years

This plan is good in principle. But let’s fine-tune it.

Things to consider:

In 2 years, market may not be in best position for lump switch

Sudden 100% shift from equity to balanced is risky

Phased rebalancing is safer

Suggested strategy:

Start STP (Systematic Transfer Plan) from equity to Balanced Advantage Fund

Do it monthly over 18-24 months post-retirement

Start SWP after corpus stabilises

Withdraw not more than 5% of corpus annually

Select Balanced Advantage Funds with:

Proven track record of minimum 10% CAGR over last 7-10 years

Low downside risk during market falls

Dynamic rebalancing between equity and debt

Managed by reputed AMCs with experienced fund managers

4. Expenses Planning After Retirement – You’re Conservative, That’s Good
Your monthly expense: Rs 20,000

Child education: Rs 10,000

Total: Rs 30,000

You’re not including many lifestyle expenses. Please also plan for:

Health expenses (out of pocket, not covered in insurance)

Occasional family travel

Gifts, festivals, emergencies

Personal goals like learning, hobbies, charity

Add Rs 10,000 buffer monthly for peace of mind. So aim for Rs 40,000 monthly withdrawal. This equals Rs 4.8 lakhs per year.

With Rs 1.2 crore corpus in balanced fund, SWP of Rs 5% is Rs 6 lakhs/year.
Your plan can work smoothly.

5. Asset Allocation Approach – Keep Dynamic Flexibility
Your equity experience is excellent. But for post-retirement:

Keep 30% in Debt Mutual Funds (Ultra Short Term or Low Duration)

70% in Equity Balanced Advantage Funds (not pure equity)

This mix offers:

Stability

Tax efficiency

Growth and income balance

Review once a year. Rebalance as needed.

6. Fund Selection Approach – Use Professional Support
Avoid direct investing. Here’s why:

Disadvantages of Direct Plans:

No guidance for fund selection

No support during market volatility

No review or rebalancing help

You may exit or shift at wrong time

Returns can suffer from wrong decisions

Benefits of Regular Plans via MFD + CFP:

Helps you design goal-based investing

Gives behavioural coaching during ups/downs

Monitors performance and overlap

Suggests tactical shifts when needed

Protects your corpus long-term

7. Avoid Index Funds – Not Suitable for Your Needs
You have mentioned only actively managed funds. That’s excellent.

Why index funds are not suitable for you:

They cannot outperform market

In volatile or sideways markets, they underperform active funds

No downside protection strategy

Not suitable for retirement planning where preservation matters

Sector weight gets skewed during bull runs

Active Funds are better as you already experienced with 21% CAGR. Continue the same route.

8. Taxation Aspects – Plan Before Withdrawals
Please remember latest mutual fund taxation:

Equity funds: LTCG above Rs 1.25 lakh taxed at 12.5%

Debt funds: LTCG and STCG taxed as per your income slab

SWP = considered as redemption

Taxes apply only on gains portion in each SWP

To minimise tax impact:

Use Grandfathered NAV tracking

Use withdrawal from funds with lowest gains first

Hold each fund minimum 1 year before SWP

Use hybrid funds to delay taxation

Let your MFD with CFP handle this tactically.

9. Emergency Fund Planning
You are planning to wipe out savings in 2 years. That’s risky.

Suggestion:

Keep Rs 5 to 6 lakhs as Emergency Fund

Park in Liquid Mutual Fund

Withdraw only for urgent use

Keep it separate from SIP and retirement portfolio

10. Life & Health Insurance – Very Good Coverage
Your current insurance cover is robust. Some notes:

Rs 3.5 Cr term cover till age 80 is excellent

Accidental and disability riders give strong protection

Rs 1 Cr Mediclaim is also strong for family of 3

Ensure that it is Floater plan and includes room rent flexibility

Review health policy yearly for sub-limits and coverage

11. Additional Tips for Early Retirement
Maintain a journal of expenses now. Helps in real budgeting.

Include inflation while estimating long-term costs.

Track all funds’ performance quarterly.

Stick to asset allocation discipline always.

Don’t chase latest NFOs or sector funds post-retirement.

Avoid investing based on market noise or news.

Continue personal SIPs even after retirement, if possible from alternate income.

Teach your wife about basics of portfolio, SWP, nominee, login access.

Make a Will covering all investments.

Finally
You have built a solid foundation. Your plan is logical and achievable.

Only correction needed:

Trim your MF portfolio from 60 funds to a focused 10–12

Start transition to balanced allocation after 2 years

Avoid direct plans – use help of MFD with CFP qualification

Don’t wipe savings fully – maintain emergency corpus

Start child education goal SIPs separately

Your commitment and planning is very inspiring. If implemented well, your dream of early retirement with dignity and freedom is very much possible.

Keep your goals clear. Stick to discipline. Review annually.

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

Ans: ? Current Financial Snapshot
– You are 38 years old with 18 years in PSU under OPS.
– Monthly gross income is Rs.?1.4 lakh, net Rs.?1 lakh.
– You plan VRS in three years and expect pension of Rs.?20k–25k monthly.
– Present savings include:

SIPs: Rs.?42k pm (balance Rs.?22 lakh)

EPF: Rs.?8k pm (balance Rs.?16 lakh)

VPF: Rs.?12k pm (balance Rs.?6 lakh)

LIC: Rs.?2.7k pm

PPF: Rs.?1.5 lakh per annum (balance Rs.?13.5 lakh)

Emergency FD: Rs.?2.3 lakh

Spouse savings: Rs.?7–8 lakh

Children: Son has Rs.?3 lakh; daughter has Rs.?50k
– You have no liabilities or property.

This shows strong discipline in savings and debt-free status.

? Pension Security Under OPS
– OPS gives defined post-retirement pension.
– Pension of Rs.?20k–25k may cover basic expenses in small town.
– But it will not support lifestyle increases or children’s needs.
– Pension lacks inflation protection over time.
– Retirement corpus needs to generate additional income.

OPS is a strong base but not enough for family or education needs.

? Emergency Fund Strengthening
– Current FD of Rs.?2.3 lakh covers ~2 months’ expenses.
– Aim to increase emergency fund to 6 months’ expenses.
– That means raising it to Rs.?4.5–5 lakh.
– Use liquid or short-term debt funds to build it.
– Keep it separate from SIPs and long-term funds.

A cushion of six months ensures calm cash flow during emergencies or transition.

? Term and Health Insurance Assessment
– Employer provides term and health coverage.
– Term cover may end with VRS.
– Plan for private term insurance of at least Rs.?1 crore.
– Health cover should continue post-VRS.
– With children, family floater of Rs.?15–20 lakh is advisable.

Protection coverage must persist beyond employment for family safety.

? Insurance-Investment Mix Review
– LIC monthly premium shows you hold an investment-linked plan.
– Such plans offer low returns and long lock-in.
– Consider surrendering and move amount into mutual funds.
– Use term insurance for protection, not investment.
– This simplifies finances and improves returns.

Investment-linked insurance plans are inefficient; switching to mutual funds gives better clarity and growth.

? Retirement Corpus Goal Evaluation
– You desire Rs.?1 crore in three years.
– With current SIPs, EPF, VPF, and PPF, corpus might reach Rs.?70–80 lakh.
– This falls short of Rs.?1 crore.
– Combined with pension, it may suffice if timing is correct.
– But safe retirement demands higher corpus.

If comfort with VRS in 3 years is high, you may stay on track. Otherwise, consider extending career by 2–3 years.

? Should You Postpone VRS?
– Retiring in three years leaves minimal buffer.
– Children’s education and healthcare costs loom ahead.
– Pension may not keep pace with inflation.
– Extending working period builds more financial strength.
– Assess personal motivations, health, and family needs.

It may be safer to delay VRS until age 45 or after building Rs.?1.2 crore+ corpus.

? Asset Allocation Snapshot
Current steps:
– SIPs contribute 42%; EPF and VPF add another 20%.
– PPF adds further equity-like safety.
– FD acts as emergency buffer.

To build balanced corpus, ensure:
– Regular review of fund types to avoid overexposure to equity risk or underexposure to safety.

? Equity Mutual Fund Strategy
– Continue monthly SIPs of Rs.?42k in equity funds.
– Use actively managed funds only.
– Avoid index funds—they offer no buffer during downturns.
– Fund managers can reduce risk and enhance returns tactically.
– Ensure fund mix covers large-cap, flexi?cap, and small?cap.
– Review performance at least annually with CFP assistance.
– Step-up SIP yearly by 10–15%.

Active management will help protect corpus as retirement nears.

? Role of EPF & VPF in Retirement
– EPF balance of Rs.?16 lakh and VPF of Rs.?6 lakh are strong.
– These are low-risk but inflation-proof to some extent.
– They serve as core debt-like pillar for corpus.
– Continue current monthly contributions.

These pillars support corpus and provide essential stability.

? PPF for Long-Term Security
– PPF balance is Rs.?13.5 lakh.
– It offers safe, tax-free returns.
– Continue annual contributions of Rs.?1.5 lakh.
– It complements retirement income via OPS.
– Review yearly with rising interest rates.

PPF adds inflation-resilient pillar to your retirement planning.

? VRS Corpus Top-Up Strategy
– Your VRS corpus requirement depends on age and expenses.
– Pre-VRS withdrawal of EPF or VPF may affect tax and corpus.
– Build liquid, bankable buffer for post-VRS transition.
– Consider having Rs.?10–12 lakh in liquid/debt at retirement.
– This helps us bridge salary to pension period.

A buffer ensures stability during the employment-to-retirement transition.

? Children’s Education & Life Goals
– Your son (3 yrs) has Rs.?3 lakh; daughter (2 months) has Rs.?50k.
– These are good starts but need systematic growth.
– Start SIPs in children funds for both.
– Allocate based on education timelines of 12–15 years.
– Use hybrid or cautious equity funds for these goals.
– Consider opening minor PPF accounts under guardianship.

Goal based investing ensures purpose and control in reaching future needs.

? Emergency and Education Corpus
– Keep children’s money separately in goal-based accounts.
– Use liquid or short-term debt for near-term needs.
– Avoid dipping into retirement or OPS corpus prematurely.
– Allocate monthly for each child goal using SIPs.

Segregation of funds prevents confusion and misuse.

? Asset Diversification Updates
Your portfolio across instruments:
– Equity SIP: major growth driver
– EPF/VPF/PPF: core debt buffers
– FD: emergency buffer
– LIC: insurance-investment blend (to be surrendered)
– Children’s corpus: moderate risk
– Health and term cover under employer

You have no real estate, other debt, crypto, or speculative assets.

? Monthly Investment Plan Suggestion
Allocate surplus Rs.?58k (after SIP, EPF, VPF, LIC, expenses):
– Continue equity SIP Rs.?42k
– Continue EPF Rs.?8k and VPF Rs.?12k
– Top-up emergency fund by Rs.?10k monthly until Rs.?5 lakh
– Start child education SIPs: Rs.?5k per child
– Redirect LIC premium after surrender to gold or hybrid fund
– Monitor allocation yearly with CFP

Structured surplus ensures readiness for retirement, children, and emergencies.

? Retirement Asset Allocation at VRS
At age 41 (post-VRS):
– Pension Rs.?20–25k covers basics
– Corpus of Rs.?1 crore can generate additional income
– Allocate corpus at 60% equity, 30% debt, 10% hybrid/liquid
– Use SWP to withdraw a fixed amount monthly
– Keep buffer to handle market dips

This creates an investment?plus?pension approach for stability and growth.

? Debt vs Equity Rebalancing as You Age
– Reduce equity exposure as VRS nears
– At VRS, shift 10–15% to conservative/hybrid or debt
– By age 45, equity exposure should be around 50%
– This reduces volatility during withdrawal phase
– Use CFP to implement strategic rebalancing

Gradual risk reduction enhances safety without large shocks.

? Tax Strategies for Retirement
– EPF and PPF interest are tax-free
– VPF withdraws taxed if EPF locked less than 5 years
– Equity LTCG taxed at 12.5% above Rs.?1.25 lakh annually
– STCG taxed at 20% for short-term redemptions
– Debt gains taxed per income slab
– Plan redemption timing to reduce tax impact

Tax efficiency preserves more of your hard-earned gains.

? Health Cover Post-Retirement
– Employer health cover ends with VRS
– Buy individual/family floater of Rs.?15–20 lakh
– Children should be covered from birth
– Include maternity or critical illness riders if needed
– Review and renew annually

Keeping health cover constant ensures peace-of-mind and expense control.

? Children’s Education & Future Planning
– Education costs may escalate 10–12% annually
– Start goal-based SIPs for high school and college funds
– Consider small-cap exposure for high growth potential
– Use hybrid for mid-term stability
– Lock incremental savings as goals approach

This ensures children’s education is funded without stress or compromise.

? Estate Planning & Will Creation
– Draft a will reflecting all assets post-VRS
– Nominate spouse and children across accounts
– Keep guardianship decisions documented
– Store will and financial documents securely
– Updates may be done when significant life changes occur

This protects your legacy and family’s financial security.

? Passive Income Potential
Beyond pension or SWP, you can explore:
– Part-time consulting using PSU expertise
– Online teaching or content creation
– Homestay or online rental (if real estate is ever considered)
– Royalty from small digital products or tutorials
– Keep passive income small but helpful

Additional income reduces reliance on corpus and provides flexibility.

? Decision on VRS Timing
– If you retire in 3 years, you will have Rs.?60–80 lakh corpus + pension
– This may suffice if children’s and lifestyle costs are moderate
– However, with retirement age extended and delayed aspirations, Rs.?1 crore+ corpus is safer
– If finances feel tight at age 41, delaying VRS by 2–3 years builds more power
– Lifestyle comfort depends on age, destination, and future goals

Deciding on VRS must balance emotional readiness with financial readiness.

? Annual Review and Course Correction
– Meet a Certified Financial Planner each year
– Review fund allocation, risk exposure, and savings rate
– Revise goals for children, retirement, and health
– Adjust SIP amounts and fund types as needed
– Implement rebalancing to maintain target portfolio structure

Annual review ensures proactive progress and avoids last-minute shocks.

? Lifestyle Inflation Control
– Monitor household costs yearly
– Limit discretionary spending increases
– Larger purchases should come after review
– Allocate fixed % to future plans and children, not just consumption
– Share financial goals with spouse for mutual support

Shared awareness curbs lifestyle creep and protects savings goal.

? Final Insights
– Your current assets under management are a strong base.
– VRS in 3 years is okay, but delay if you need more cushions.
– Building Rs.?1 crore corpus plus pension gives flexibility.
– Continue disciplined SIP, EPF, VPF, PPF contributions.
– Improve emergency buffer and sell LIC for better returns.
– Start children’s education SIPs immediately.
– Plan health and term cover beyond employment.
– View retirement as phased financial transition.

Take advice, review annually, and progress steadily—then VRS will be a confident, thriving next chapter.

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