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46 with 2.45L salary, own house, no EMIs, 35L investments - How to build a 5Cr corpus by 60?

Ramalingam

Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 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 09, 2024Hindi
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I am 46years old, having monthly salary income of 2.45lakh per month and have a own house in Bangalore and no running EMIs. Having investment of 3lakh in PF, 3lakh in NPS, 10lakh of FD, 5lakh in LIC and 1.5cr in real estate and having a form land of 2acres in Mandya. Planning to retire at age of 60 and wanted a carpus of 5cr. Please give me some investment Ideas. Thanks,

Ans: You have a stable monthly income of Rs 2.45 lakh.

You own a house in Bangalore, debt-free.

Your current investments include:

Rs 3 lakh in Provident Fund (PF)
Rs 3 lakh in National Pension System (NPS)
Rs 10 lakh in Fixed Deposits (FD)
Rs 5 lakh in Life Insurance Corporation (LIC) policies
Rs 1.5 crore in real estate
2 acres of farmland in Mandya
Setting Retirement Goals
You plan to retire at 60 and aim for a corpus of Rs 5 crore.

This target is achievable with disciplined investments and proper asset allocation.

Investment Strategy
Diversified Portfolio
Diversification reduces risk and enhances returns. Consider spreading investments across different asset classes.

Mutual Funds
Equity Mutual Funds: Allocate a significant portion to equity mutual funds. They offer higher returns and help beat inflation.

Debt Mutual Funds: For stability and lower risk, invest in debt mutual funds. They provide steady returns and are less volatile.

SIPs (Systematic Investment Plans)
SIPs help in disciplined investing. Start or increase SIPs in equity and debt mutual funds.

National Pension System (NPS)
Continue investing in NPS. It offers tax benefits and helps build a retirement corpus.

Fixed Deposits (FD)
You already have Rs 10 lakh in FDs. These provide safety but lower returns. Consider moving some funds to higher-yield investments.

Life Insurance
LIC policies should be evaluated. If they are investment-cum-insurance policies, consider surrendering them. Reinvest the proceeds in mutual funds for better returns.

Tax Planning
Section 80C
Maximize benefits under Section 80C. Invest in ELSS (Equity Linked Savings Scheme) for tax savings and growth.

Section 80D
Take advantage of deductions for health insurance premiums. This ensures medical coverage and tax savings.

Building Emergency Fund
Maintain an emergency fund equivalent to 6-12 months of expenses. This ensures liquidity during unforeseen circumstances.

Estate Planning
Wills and Nomination
Ensure you have a valid will. Nominate beneficiaries for all your investments.

Regular Review
Annual Financial Review
Review your portfolio annually. Adjust investments based on performance and changing goals.

Final Insights
To achieve Rs 5 crore by retirement, diversify your investments. Focus on equity and debt mutual funds through SIPs. Evaluate and possibly surrender LIC policies for better investment options. Ensure tax planning and maintain an emergency fund. Regular reviews will keep your financial plan on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
Asked on - Jul 19, 2024 | Answered on Jul 19, 2024
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Thank you so much for your advise sir.
Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

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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Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 26, 2024

Asked by Anonymous - Jun 25, 2024Hindi
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Sir, M 36 years with one kid. Monthly income of 110000 living in a very small town in Assam. I have a 3 personal loan and monthly emi goes 40000 per month, m assam govt. Employee so my NPS goes aprox 17000 (gets increasing as per hike) i had also invested in LIC/sbi life 17000 per month, monthly expenses aprox 30000, My loans will gets fully settled by Nov 25. Within my service period i had accuired two Land. No i want a good amount of money by retirement. Kindly suggest me with good investment plans
Ans: You are 36 years old with one child and live in Assam. Your monthly income is Rs 1,10,000. You have three personal loans with a total EMI of Rs 40,000 per month. As an Assam government employee, you contribute approximately Rs 17,000 per month to NPS, which increases with hikes. You also invest Rs 17,000 per month in LIC/SBI Life. Your monthly expenses are approximately Rs 30,000. Your loans will be fully settled by November 2025, and you have acquired two pieces of land during your service period. You want to build a good corpus by retirement.

Compliments and Understanding
First of all, kudos to you for your foresight and discipline in managing your finances despite significant loan EMIs and investments. Your commitment to securing a comfortable retirement while supporting your family is commendable. Let's explore a strategic investment plan to help you achieve your retirement goals.

Analyzing Current Investments
NPS Contributions
Your NPS contributions are a significant part of your retirement planning. NPS provides a diversified portfolio with a mix of equity and debt, ensuring balanced growth. The government’s contribution and tax benefits under Section 80CCD(1B) make NPS a valuable asset for retirement.

LIC/SBI Life Policies
While LIC and SBI Life policies provide insurance coverage, they may not offer the best returns compared to other investment avenues. Consider evaluating the performance and charges of these policies. If they are not yielding satisfactory returns, you might want to reassess their role in your portfolio.

Managing Loans
Your loans will be fully settled by November 2025, which will free up Rs 40,000 per month. This amount can be redirected towards investments to build a substantial retirement corpus.

Creating a Strategic Investment Plan
Diversification: The Key to Success
Diversifying your investments across different asset classes reduces risk and enhances returns. Let's explore various investment options that align with your financial goals.

Mutual Funds: A Balanced Approach
Equity Mutual Funds
Equity mutual funds invest in stocks, offering high growth potential. They are suitable for long-term wealth accumulation. Equity funds can provide significant returns over time, outpacing inflation and helping you achieve your financial goals.

Debt Mutual Funds
Debt mutual funds invest in fixed income securities like bonds and treasury bills. They are less risky than equity funds and provide stable returns. They are ideal for investors seeking regular income and lower risk exposure.

Hybrid Mutual Funds
Hybrid funds invest in a mix of equities and debt. They balance risk and return, making them suitable for moderate risk-takers. These funds provide growth potential while mitigating risk through diversification.

Benefits of Regular Funds
Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential can be beneficial. MFDs provide personalized advice, helping you choose funds that align with your goals. They also offer ongoing portfolio management and support.

Systematic Investment Plan (SIP)
SIP ensures disciplined investing and rupee cost averaging, reducing the impact of market volatility. Once your loans are settled, start SIPs in equity and hybrid funds to build your retirement corpus.

Public Provident Fund (PPF)
PPF is a government-backed savings scheme offering attractive interest rates and tax benefits under Section 80C. It has a lock-in period of 15 years, making it a long-term investment. PPF is suitable for risk-averse investors seeking assured returns.

National Pension System (NPS)
NPS is a government-sponsored pension scheme aimed at providing retirement income. It offers diversified investments in equities, corporate bonds, and government securities. NPS contributions are eligible for tax benefits under Section 80CCD(1B).

Gold: A Traditional and Reliable Asset
Gold ETFs and Sovereign Gold Bonds
Gold ETFs and Sovereign Gold Bonds offer benefits of gold without storage hassles. Sovereign Gold Bonds also provide periodic interest, enhancing returns. Allocate a small portion of your portfolio to gold for diversification and protection against inflation.

Health and Term Insurance
Health Insurance
Comprehensive health insurance is crucial to cover medical expenses. It protects your savings and ensures access to quality healthcare. Choose a plan with adequate coverage for your family.

Term Insurance
Term insurance provides high life cover at low premiums. It ensures financial security for your family in case of your untimely demise. Choose a term plan with adequate coverage based on your financial obligations and future goals.

Reviewing and Adjusting Investments
Regular Portfolio Review
Regularly review your investment portfolio to ensure it aligns with your goals. Make necessary adjustments based on market conditions and personal circumstances. Avoid making investment decisions based on emotions. Stick to your financial plan and make informed decisions.

Benefits of Actively Managed Funds
Professional Management
Actively managed funds are managed by professional fund managers. They conduct extensive research and make informed investment decisions, aiming to outperform the market.

Potential for Higher Returns
Actively managed funds have the potential to deliver higher returns compared to index funds. Fund managers can take advantage of market opportunities and mitigate risks through active management.

Flexibility
Actively managed funds offer flexibility in investment strategies. Fund managers can adjust the portfolio based on market conditions and economic trends, enhancing performance.

Disadvantages of Index Funds
Lack of Flexibility
Index funds are passively managed and track a specific index. They lack flexibility to adjust to market conditions, which can limit returns.

Potential Underperformance
Index funds may underperform actively managed funds during market downturns. They cannot capitalize on market opportunities or mitigate risks effectively.

Limited Scope
Index funds have limited scope for diversification. They invest in a fixed set of securities, which might not align with your investment goals and risk tolerance.

Financial Planning Post Loan Repayment
Redirecting EMI Savings
Post-November 2025, the Rs 40,000 saved from loan repayments can be invested. Channel these funds into SIPs in equity and hybrid mutual funds to maximize growth. This disciplined approach will significantly boost your retirement corpus.

Increasing NPS Contributions
As your salary increases, consider increasing your NPS contributions. The additional tax benefits and compounded growth will further secure your retirement.

Building a Robust Investment Portfolio
Balanced Asset Allocation
Maintain a balanced asset allocation, investing in a mix of equity, debt, and gold. This diversification reduces risk and enhances returns, ensuring a robust portfolio.

Emergency Fund
Maintain an emergency fund covering 6-12 months of expenses. This fund ensures financial stability during unforeseen circumstances, protecting your investments.

Final Insights
Building a substantial retirement corpus requires disciplined investing and strategic planning. Diversify your investments across mutual funds, PPF, NPS, and gold to ensure a balanced and robust portfolio. Regularly review your investments, make informed decisions, and seek guidance from a Certified Financial Planner. This approach will help you achieve long-term financial success and secure a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 22, 2024

Asked by Anonymous - Aug 22, 2024Hindi
Money
Hello Sir, I am 44 years old currently working in IT industry in Bangalore. My annual Package is Rs. 24 lacs with monthly take home of Rs. 1.27 lacs ( after tax, NPS(9k) and PF(41k) deduction). Have own house, one plot and vehicle. Without any ongoing loan. Have accumulated PF of around 40 lacs and have 57 lacs in bank deposit. I need to accumulate 2 crores in next 5 years. What are the investment options. Thanks Raghu
Ans: At 44, you've built a strong financial foundation. Your annual package is Rs. 24 lacs, with a monthly take-home of Rs. 1.27 lacs. You also have no ongoing loans, which is excellent. Your accumulated provident fund stands at Rs. 40 lacs, and you have Rs. 57 lacs in bank deposits. This is a solid base to work from, but your target of Rs. 2 crores in 5 years requires careful planning and disciplined investments.

Goal Assessment
You aim to accumulate Rs. 2 crores in 5 years. This is an ambitious but achievable target. With proper planning, you can optimize your existing resources and strategically invest in the right avenues to meet your goal.

Given your current savings and the time frame, your investments must yield higher returns, which means opting for instruments that carry a bit of risk but offer substantial growth potential. You also need to keep inflation and taxes in mind while planning your investments.

Investment Options
1. Systematic Investment in Mutual Funds (SIP)
Mutual funds are an ideal vehicle for wealth accumulation over a medium-term horizon.
Actively Managed Funds: Actively managed funds often outperform passive funds like index funds. The expertise of fund managers can help achieve better returns. Also, they offer flexibility to adapt to market conditions.
Diversified Portfolio: Invest across large-cap, mid-cap, and multi-cap funds. This diversification balances risk and potential return.
Monthly Investment: Considering your take-home salary, you can start SIPs with a significant amount. For instance, you can invest Rs. 50,000 to Rs. 1 lakh monthly in mutual funds.
Regular vs. Direct Plans: Regular plans through a Mutual Fund Distributor (MFD) with CFP credentials can provide you with professional advice and ongoing support. This might be beneficial for optimizing your portfolio and achieving your target corpus. Direct plans lack such advisory benefits and may lead to suboptimal choices.
2. Top-Up Your NPS Contributions
The National Pension System (NPS) is a great tool for long-term retirement planning.
Increased Contributions: You are already contributing Rs. 9,000 monthly to NPS. Increasing this contribution can significantly boost your retirement corpus.
Equity Allocation: Since you have a long-term horizon, consider increasing your equity exposure in NPS. Equity investments have historically delivered higher returns over the long term, aligning with your goal of wealth accumulation.
Tax Benefits: Additional contributions to NPS can also provide you with extra tax deductions under Section 80CCD(1B).
3. Equity Investments
Direct equity investments can offer high returns, but they come with high risk.
Select High-Growth Stocks: Focus on companies with strong fundamentals and growth potential. This can be done through a certified financial planner who can guide you in stock selection and portfolio management.
Avoid Overexposure: Limit your equity exposure to avoid unnecessary risk. A balanced approach with mutual funds and NPS should be your core strategy, with direct equity playing a supplementary role.
4. Fixed Deposits and Debt Funds
While your bank deposits provide safety, they may not be sufficient to meet your goal due to lower returns.
Shift to Debt Funds: Consider shifting a portion of your bank deposits to debt funds. Debt funds offer better returns compared to fixed deposits and are also tax-efficient.
Liquid Funds for Emergency: Keep a portion of your funds in liquid mutual funds for emergencies. They provide better returns than savings accounts and are highly liquid.
5. Balanced Advantage Funds
These funds dynamically allocate between equity and debt based on market conditions.
Risk Management: They offer a balance between risk and return, which can help in growing your wealth steadily without taking excessive risks.
Long-Term Growth: With a 5-year horizon, these funds can provide better returns than pure debt funds with relatively lower risk than equity funds.
6. Insurance Needs
Health Insurance: Ensure that you have adequate health insurance coverage for yourself and your family. The coverage should be sufficient to handle any medical emergencies without dipping into your savings.
Term Insurance: A term insurance policy should be in place to secure your family's financial future in case of any unfortunate event.
Tax Efficiency
1. Tax Planning
Maximize your Section 80C deductions by investing in instruments like ELSS mutual funds. This can reduce your taxable income while simultaneously growing your wealth.
Tax-Free Bonds: Consider investing in tax-free bonds for a fixed income with no tax liability on the interest earned. These bonds can provide steady returns and are suitable for investors in the higher tax brackets.
2. Tax on Returns
Be mindful of the tax implications on your investment returns. Long-term capital gains (LTCG) on equity funds are taxed at 10% after Rs. 1 lakh of gains in a financial year.
Tax Harvesting: To optimize tax liability, consider redeeming units systematically in a manner that limits taxable gains each year.
Monitoring and Review
1. Regular Portfolio Review
Your investment portfolio should be reviewed at least twice a year to ensure it aligns with your financial goals.
Rebalancing: If necessary, rebalance your portfolio to maintain the desired asset allocation. This might involve shifting from overperforming assets to underperforming ones or adjusting your equity-debt ratio.
2. Adjusting for Market Conditions
Stay informed about market trends and economic conditions. This will help you make informed decisions and adjust your investments accordingly.
Expert Guidance: Regular consultations with a certified financial planner can provide you with insights and strategies tailored to your needs.
Final Insights
Your goal of accumulating Rs. 2 crores in 5 years is challenging but achievable with disciplined investing and regular monitoring. Focus on a mix of mutual funds, enhanced NPS contributions, and selective equity investments. Don't forget to secure your health and life with adequate insurance coverage. Regular reviews and strategic adjustments to your portfolio will ensure you stay on track to meet your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
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Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Money
I am 50 years old, how much proportion should I allocate in Debt and Equity mutual funds. I am investing in mutual funds only. My 43 L portfolio has 37 L equity and 6 Lak debt.
Ans: Balancing your portfolio between equity and debt is critical at this stage. A 50-year-old investor should aim for a safer portfolio while ensuring reasonable growth. Since you’re already investing in mutual funds, fine-tuning your allocation can optimise returns and reduce risk.

Let’s assess your portfolio in detail and identify actionable steps for an optimal balance.

Evaluating Your Current Portfolio
Your current allocation includes:

Rs 37 lakh in equity: Around 86% of your total portfolio.
Rs 6 lakh in debt: About 14% of your total portfolio.
This equity-heavy portfolio is suitable for younger investors. At 50, you may need to rebalance to reduce volatility while retaining growth.

Recommended Allocation Strategy
A general rule is the "100 minus age" approach. However, personal goals, risk tolerance, and financial stability should guide decisions. For a 50-year-old:

Equity: 50% to 60% of the portfolio. This ensures growth and combats inflation.
Debt: 40% to 50%. This ensures stability and predictable returns.
You can adjust within this range based on personal preferences and financial objectives.

Steps to Rebalance Your Portfolio
To align your portfolio, consider these steps:

Gradually reduce equity exposure: Shift some equity investments to debt. Do this systematically over months to avoid timing risks.
Increase debt mutual funds allocation: Consider short-duration or dynamic bond funds for liquidity and moderate returns.
Use hybrid mutual funds: Balanced advantage funds can offer a mix of equity and debt with automatic rebalancing.
Why a Balanced Allocation Is Crucial
Equity: This provides growth potential to counter inflation. It supports long-term financial goals like retirement planning.
Debt: This offers stability and acts as a buffer against market downturns. It ensures liquidity for unexpected expenses.
Avoid Over-Exposure to Equity
While equity delivers higher returns, excessive exposure can increase portfolio risk. A balanced allocation shields you during market corrections.

Advantages of Actively Managed Funds
Actively managed funds can outperform the market due to professional expertise. They adjust portfolios based on market trends and opportunities.

Disadvantages of Index Funds:

They lack active monitoring during volatile periods.
They mimic the index, limiting scope for higher returns.
Their fixed composition may underperform in certain market cycles.
For long-term growth, actively managed funds offer better risk-adjusted returns.

Benefits of Regular Funds Over Direct Funds
Guidance: Regular funds come with expert advice from an MFD with a Certified Financial Planner (CFP) credential.
Portfolio Monitoring: They help align your investments with changing market conditions.
Support: MFDs can guide in tax planning and rebalancing.
Direct funds, while cheaper, may lead to uninformed decisions and missed opportunities.

Tax Efficiency in Your Portfolio
Understanding new mutual fund taxation rules is essential:

Equity funds: LTCG above Rs 1.25 lakh is taxed at 12.5%. STCG is taxed at 20%.
Debt funds: Gains are taxed as per your income slab.
Consider tax implications before rebalancing to avoid unnecessary liabilities.

Maintaining Liquidity
At this stage, maintaining a portion of your portfolio in liquid funds is prudent. It helps meet short-term goals or emergencies without disturbing long-term investments.

Aligning with Retirement Goals
Your portfolio should focus on generating a steady post-retirement income. Here’s how:

Allocate more to debt as you approach retirement.
Use SWP (Systematic Withdrawal Plan) for regular income during retirement.
Retain a small equity portion to combat inflation even post-retirement.
Creating a Contingency Fund
Set aside a separate fund equivalent to 6-12 months of expenses. Use liquid or ultra-short-term debt funds for this.

Monitoring and Reviewing Your Portfolio
Review your portfolio every 6 months.
Rebalance based on market conditions and life changes.
Consult a Certified Financial Planner for adjustments aligned with your goals.
Avoid Common Investment Pitfalls
Chasing high returns: Avoid concentrating on high-risk funds at this stage.
Over-diversification: Stick to a manageable number of funds to track performance easily.
Ignoring inflation: Ensure your portfolio grows faster than inflation rates.
Building a Long-Term Perspective
Focus on wealth preservation alongside growth.
Maintain discipline in investing. Avoid reacting impulsively to market fluctuations.
Stay informed about economic and market trends affecting mutual fund performance.
Final Insights
Balancing equity and debt is essential for stability and growth in your portfolio. A 50%-60% equity and 40%-50% debt allocation aligns with your age and goals. Active management and regular reviews will help optimise returns and minimise risks.

Transitioning gradually ensures minimal disruption to your portfolio’s growth. Focus on creating a robust strategy to secure your financial future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Money
One time investment in mutual fund in which fund
Ans: To decide on a one-time investment, understanding your financial goals is vital. Knowing the purpose of your investment ensures better alignment with your expectations. Your goals could be wealth creation, retirement planning, or funding a specific future expense like a child's education or marriage.

Assessing Risk Tolerance
Before choosing any investment, assess your risk tolerance. High-risk options offer better returns but can fluctuate more. If you are a conservative investor, you might prefer stability over high returns. Moderately aggressive investors balance growth and risk well.

Benefits of Actively Managed Mutual Funds
Actively managed mutual funds are an excellent choice for one-time investments. Professional fund managers make critical investment decisions based on market conditions. These funds can outperform market indices over the long term due to their strategic asset allocation.

They adapt well to market dynamics, offering higher growth potential than passive funds. Investors benefit from expertise and insights that help mitigate risks during market downturns.

Disadvantages of Index Funds
Index funds simply track market indices and lack active management. They offer no scope for market-beating returns. While their fees are lower, this comes at the cost of performance. In actively managed funds, expert decision-making can lead to better results.

Investors relying solely on index funds may miss opportunities to earn superior returns. Active funds also better suit those aiming for long-term wealth accumulation with reduced volatility.

The Issue with Direct Funds
Direct funds may have lower costs but require greater knowledge and time. Without professional advice, managing such investments can be overwhelming. Regular funds, managed through Certified Financial Planners, ensure guidance tailored to your needs.

A Certified Financial Planner monitors your portfolio’s performance, suggesting timely corrections. This professional approach ensures that your investment aligns with your financial goals efficiently.

Choosing the Right Mutual Fund Category
Select funds based on your investment horizon and risk appetite. Equity mutual funds work well for long-term goals as they provide higher growth potential. However, they carry higher volatility and are suitable only for investors with a longer time horizon.

For medium-term goals, balanced or hybrid funds are better suited. These combine equity and debt to balance risk and returns. Short-term goals are better addressed with debt funds, offering lower returns with minimal risk.

Importance of Diversification
Diversifying your investment reduces the risk of losses. It spreads your money across various sectors, ensuring market fluctuations impact your investment less. Avoid investing all funds in a single category, ensuring a mix of equity, debt, and hybrid funds.

Taxation Rules for Mutual Funds
Understand the tax implications before investing. For equity funds, long-term capital gains above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains are taxed at 20%. For debt funds, all gains are taxed as per your income tax slab.

Consider tax-saving options if your goal aligns with reducing tax liabilities. While tax efficiency matters, it should not override your primary objective of wealth creation.

Importance of Lump Sum Timing
Market timing matters for one-time investments. Investing during a market correction or when valuations are reasonable ensures better growth. A Certified Financial Planner can guide you to enter the market at the right time for better results.

Monitoring and Reviewing Your Investment
A one-time investment is not set and forget. Regular reviews ensure the investment aligns with your goals. Markets evolve, and so should your portfolio. Make changes as required with the guidance of a professional.

The Role of Emergency Funds
Ensure you have an adequate emergency fund before making a one-time investment. This fund covers unforeseen expenses, preventing you from withdrawing long-term investments prematurely. Keep at least 6-12 months' expenses aside for emergencies.

Setting Realistic Expectations
Investments are subject to market risks, and returns are not guaranteed. Patience and a long-term approach yield better results. Understand the product before investing, ensuring it meets your expectations and financial objectives.

Final Insights
A one-time mutual fund investment can help achieve your financial goals effectively. However, aligning this investment with your risk tolerance and objectives is key. Actively managed funds, combined with professional advice, offer the best value for your money.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Relationship
I 25M) have been in a Long Distance Emotional Relationship with a College Friend (25F) whom I'd known since more than 3 years. Although, neither of us has explicitly confessed to each other, but we both seemed to have strong Feelings for each other. We both have shared a lot of personal matters about ourselves, with each other (which are unknown to even some of our Closest Friends). We both share similar Values & Outlook towards various aspects of Life (including our Long Term Career Goals). We both used to chat on WhatsApp almost everyday, sharing our experiences, opinions, knowledge etc. I used to Flirt with her by writing Romantic Poetry for her, once she'd also confessed that she's falling for me. But what has stopped us both from proposing Love to one another is the difference in our Family Background (I'm from a Telugu Speaking Hindu Brahmin Family & she's from a Malayali Catholic Christian Family, but we both studied together from a College in Gujarat). As of now, we both are in different States Studying/Working in different fields. But both of us have been preparing for UPSC, which is our ultimate Career Goal & we also used to discuss the Subject matter & Preparation Plans, helping out each other. Presently, the Problem is that She seems to have Ghosted me (since a Month) citing a silly reason that her Phone got Damaged (she'd said something like this even in 2021), but I see her active on various Social Media Platforms, regularly. I have tried reaching out to her through all the Social Media Platforms & have even called her up, but there's no Response at all, from her side. I am not able to understand why she has Ghosted me like this, atleast she could have honestly told me the actual Reason. Sometimes, I feel guilty that I must have been a distraction to her Studies. But I have very strong Feelings for her, which I'd never felt for any other Girl & I believe that we can have a Future together. We both could continue complementing each other in the course of UPSC Preparation & acting as each other's motivation & emotional support (as seen in the Movie "12th Fail"). And if we both successfully clear UPSC together, we could try to convince our Parents for Marriage (these are not just my Fantasies, even she had indirectly expressed her interest in sharing her Future Life with me). Now, I don't understand what to do? How to reach out to her & sort out things between us? If not reconciliation, I believe that I deserve atleast a definite closure with Honest communication. Though, I am going along with my UPSC Preparation, every now & then, I can't Help thinking of her, I'm feeling Lonely, her Emotional & Intellectual Company would be a great Help in the course of my Preparation. She's always been a Positive Motivation not a Distraction in my Career Path. Please advise me, how do I get back at her, presently, she's working in a different State, so reaching out to meet her in person is not feasible & I have unsuccessfully tried out all other means of Communication. What should I do now? I want to hear from her again, I'd feel satisfied even if she breaks it up with me, honestly stating the Reason. I am feeling restless due to this Uncertainty. Should I persistently keep trying to reach out to her, through different means, without giving up on her, until she Responds, Hoping that she'd appreciate my consistent efforts & reconsider the Relationship with me? Or would you advise any other approach, which is better, according to you?
Ans: Dear Anonymous,
You really need to STOP putting yourself through this.
The reason for your restless state is the dependency that you have been having on her, chats with her, the emotional base with her knowing well enough that there has been no prior agreement on commitment in this relationship. But that's the way the heart is, no?
So, there has been freedom with both of you to go away when you please, to see other people etc...

You have possibly been more into this connection that she has been into it and this has led to expectations from your end.
Go silent and maybe this will give her an idea of missing you if she truly has feelings for you. When you do this, you give yourself some breathing space as well on things that need your focus and also will also reveal if she really wants you as a part of her life. This space is difficult but really important.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

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Asked by Anonymous - Nov 18, 2024Hindi
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Relationship
My age is 30 gf is also of same age ..we have caste issue and she is being hindu..but we love each other deeply ..we are in strong seriously relationship since 5 years ..but suddenly now she has cheated with me with a guy of same caste and too rich..now i am devasted ..i have done everything for her she asked for and i have given my blood sweat and tears to work it this relation into marrige...since i found out my gf had cheated on me i am not in myself..my left chest always has mild to severe pain when i think about her .it is just sudden change of emotions..when i am doing my work i forgets about her but not able to focus and it is reflecting on my performance...please confirm what should i do now .she has said sorry multiple times ..but i cannot trust her the same way and not able to love her same way as it is use to be...though my feelinga for her never gonna die but this feeling only killing me please confirm what should do please
Ans: Dear Anonymous,
Heartbreaks can show up in the body as aches and pains; but do visit the doctor to rule out any issue causing the pain in your chest.
I would suggest 'taking a break' from your relationship to process what has gone on...being cheated upon is not easy to digest and you need the time to understand what has happened.
Yes, loss of trust can be very difficult to repair but whether you want to forgive her or not, trust her again or not are things to be dealt with as you go into this 'break mode' as it will allow the anger to heighten, simmer and then dull down while the importance of this person in your life will arise where you can then ask yourself if you wish to continue this relationship or you actually can do away with it.
I do feel that you will benefit from working with a professional on this as your mind state can interfere in the process of reflection and healing. So, do consider that as well...
I will not say that Time Heals, but Time gives you an opportunity to reflect and learn...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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