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Can I retire at 55 with a monthly investment of Rs 70,000 in MF and property worth Rs 2.5 crore?

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 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
M Question by M on Jul 19, 2024Hindi
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Sir I am 48 years old and would like to retire by 55 years. I am investing Rs 70 K per month in MF through SIP for the last 7 years & have a corpus of close to Rs 1.3 CR. Shres separe portfolio and invested Rs 25 Lakhs & value today Rs 45 Lakhs. I have 2 shops & getting monthly rent of Rs 15 K & one independent house & flat 3 bHk in Bhopal so getting another 15 K rent. The property value all put together will be 2.5 CR & a loan of 20 lakh housing for my current appartment where I am staying. Therefore I need atleast 1.20 Lakhs as retirement corpus at the age of 55. Please advice

Ans: You aim to retire by 55 years. You currently invest Rs 70,000 per month in mutual funds through SIPs and have accumulated a corpus of Rs 1.3 crore over the last 7 years. Your goal is to secure Rs 1.20 lakhs per month as a retirement corpus. Let's evaluate your current investments and how to achieve this goal.

Evaluating Current Investments

Mutual Funds: Rs 1.3 crore corpus from 7 years of Rs 70,000 monthly SIPs.

Stocks: Invested Rs 25 lakhs, now valued at Rs 45 lakhs.

Rental Income: Rs 15,000 monthly from two shops and Rs 15,000 monthly from residential properties.

Property Value: Total property value of Rs 2.5 crore, with a Rs 20 lakh housing loan.

Steps to Achieve Your Retirement Goal

Continue SIP Investments: Maintain or increase your SIP investments to grow your corpus.

Diversify Portfolio: Balance your portfolio with equity, debt, and balanced funds for stability and growth.

Review Stock Portfolio: Ensure your stock portfolio is diversified to minimize risk and maximize returns.

Utilize Rental Income: Use rental income to supplement monthly expenses and potentially reinvest a portion.

Analyzing the Adequacy of SIP Amount

Future Value Projection: Calculate the potential growth of your current SIPs and corpus to estimate future value.

Inflation Adjustment: Consider the impact of inflation on your retirement corpus needs.

Evaluating Real Estate Holdings

Rental Income: Continue leveraging rental income for additional cash flow.

Property Value: Assess the potential appreciation of your properties over time.

Addressing Housing Loan

Repayment Plan: Develop a strategy to repay the Rs 20 lakh housing loan before retirement.
Alternative Investment Strategies

Actively Managed Funds: Consider the benefits of actively managed funds over index funds for potentially higher returns.

Regular Funds via CFP: Highlight the advantages of regular funds and professional guidance from a CFP over direct funds.

Final Insights

Diversification: A diversified investment portfolio balances risk and reward.

Regular Review: Periodically review your investment strategy to ensure alignment with retirement goals.

Professional Guidance: Seek advice from a Certified Financial Planner for personalized financial planning.

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

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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Hello Team, I am 39 yrs old and currently have 40 lakhs in mutual fund and doing a SIP of 1lakh 10 k monthly, i have shares around 15 lakhs and around 22 lakhs in crypto and 14 lakhs in PF. Currently i have 13 lakhs home loan, 4.5 lakhs car loan and also bought a new house where 1.9 cr loan will be taken. My plan is to sell the current house which will fetch me 1 cr so ideally 90 lakhs loan will remain in future. Please advise me how can i retire at 45 with corpus of 5 to 6 cr.
Ans: Frst, congratulations on building a substantial investment portfolio and planning for your financial future. Managing diverse investments and loans can be challenging, but with strategic planning, your goals are achievable.

Current Assets and Liabilities
Let's summarise your financial standing:

Mutual Funds: ?40 lakhs
SIPs: ?1.10 lakhs monthly
Shares: ?15 lakhs
Cryptocurrency: ?22 lakhs
Provident Fund (PF): ?14 lakhs
Home Loan (Existing): ?13 lakhs
Car Loan: ?4.5 lakhs
New Home Loan: ?1.9 crores (expected to reduce to ?90 lakhs after selling the current house)
Evaluating Your Retirement Goal
You aim to retire at 45 with a corpus of ?5 to ?6 crores. Given your current age of 39, you have six years to build this corpus.

Managing Existing Loans
Current Home Loan
You plan to sell your current house for ?1 crore, which will help reduce your new home loan to ?90 lakhs. This is a sound strategy to lower your debt.

Car Loan
The car loan of ?4.5 lakhs is relatively small. Consider paying it off early if possible, as this will reduce your monthly outflows and save on interest.

Investment Strategy
Mutual Funds and SIPs
You have ?40 lakhs in mutual funds and a monthly SIP of ?1.10 lakhs. This disciplined approach will significantly contribute to your retirement corpus.

Continue Your SIPs: Maintaining your SIPs is crucial. Consider increasing the SIP amount if your income allows, as this will accelerate your corpus growth.

Actively Managed Funds: Focus on actively managed funds with a consistent performance record. These funds aim to outperform the market and can help achieve your target returns.

Equity Investments
You have ?15 lakhs in shares. Equities can provide high returns over the long term, but they are volatile.

Diversification: Ensure your equity portfolio is diversified across sectors to manage risk.

Regular Review: Monitor your equity investments and rebalance your portfolio as needed to align with market conditions.

Cryptocurrency
Cryptocurrency investments worth ?22 lakhs are high-risk. While they can offer substantial returns, the volatility is significant.

Limit Exposure: Consider limiting your exposure to cryptocurrencies to avoid excessive risk.

Reallocate Gains: If there are substantial gains, consider reallocating some of these funds to more stable investments.

Retirement Corpus Calculation
Estimating Required Returns
To achieve a corpus of ?5 to ?6 crores in six years, you need to focus on high-growth investments while managing risks.

Compound Growth
Your existing investments and monthly SIPs will grow significantly due to compounding. Here’s a simplified approach:

Mutual Funds and SIPs: With aggressive and balanced mutual funds, aim for an annualised return of 12-15%.

Equities and Crypto: While high-risk, these can offer returns above 15%, but exposure should be managed carefully.

Debt Management
Reducing Loan Burden
Pay Off Small Loans: Clear the car loan and any other small debts to reduce financial stress.

New Home Loan: Focus on prepaying the new home loan. Reducing this loan early will significantly lower your interest burden and increase disposable income for investments.

Professional Guidance
Consulting a Certified Financial Planner (CFP) can help tailor your investment strategy. A CFP can provide personalised advice, monitor your portfolio, and make necessary adjustments.

Regular Monitoring and Rebalancing
Review Portfolio: Regularly review your investment portfolio to ensure alignment with your retirement goals.

Rebalance Investments: Periodically rebalance your investments to manage risk and optimise returns.

Conclusion
With disciplined investing, strategic debt management, and professional guidance, retiring at 45 with a corpus of ?5 to ?6 crores is achievable. Focus on high-growth investments, manage risks, and regularly review your portfolio to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 13, 2024

Asked by Anonymous - Jun 04, 2024Hindi
Money
Sir I am 48 and qant to retire by 55. I have 62 lakhs in Mutual funds (SIP) with monthly investment of rs 40000/month . PF corpus of 40 lakhs , PPF of 25lakhs , fixed property one 3BHK & One 2BHK , 5 acres crop land . I want 1.5lakhs /month post retirement . Your advice please
Ans: Retirement planning is essential for a comfortable and stress-free life. At 48, you have a solid foundation, but it is crucial to refine your strategy to ensure your retirement goals are met. Let’s delve into various aspects to create a robust plan.

Current Financial Snapshot
Mutual Funds
You have Rs 62 lakhs in mutual funds through SIPs, investing Rs 40,000 monthly. This is a strong base and indicates a disciplined approach to wealth creation.

Provident Fund
Your PF corpus of Rs 40 lakhs adds a significant cushion to your retirement fund. PF is a stable and low-risk investment, ensuring consistent growth.

Public Provident Fund
With Rs 25 lakhs in PPF, you have another reliable source of tax-free returns. PPF is an excellent long-term investment with good compounding benefits.

Real Estate
Owning a 3BHK and a 2BHK, along with 5 acres of crop land, provides tangible assets. While real estate offers security, consider its liquidity and maintenance costs.

Retirement Income Needs
Monthly Requirement
You aim for Rs 1.5 lakhs per month post-retirement. This amount should cover your living expenses, healthcare, and leisure activities.

Investment Strategy
Mutual Funds
Actively Managed Funds: Actively managed funds outperform index funds over time. They provide the advantage of professional management, aiming for higher returns. This approach ensures better alignment with market conditions.

Regular Funds vs. Direct Funds: Regular funds, managed by a Certified Financial Planner (CFP), offer personalized advice. The expertise of a CFP helps in navigating market complexities and adjusting the portfolio as needed.

Provident Fund and PPF
Consistency and Growth: Continue investing in PF and PPF to ensure steady growth and tax benefits. These funds provide stability to your retirement corpus.

Diversification
Balanced Portfolio: Maintain a balanced portfolio with a mix of equity and debt. This balance mitigates risks and ensures steady growth. Diversify across various sectors and asset classes.

Crop Land
Agricultural Income: Utilize your crop land for consistent agricultural income. Explore sustainable farming practices or leasing options to maximize returns.

Retirement Corpus Calculation
Future Value: Estimate the future value of your current investments. Regular reviews and adjustments by a CFP will help achieve your target corpus. Ensure your investments grow to meet your post-retirement needs.

Adjusting Investment Strategy
Increasing SIPs
Boost SIP Contributions: Consider increasing your SIP contributions gradually. This will enhance your mutual fund corpus over time, ensuring better returns.

Exploring New Avenues
Equity Funds: Allocate a portion of your portfolio to high-performing equity funds. Equities have the potential for higher returns, aiding in building a substantial corpus.

Debt Funds: Include debt funds for stability and regular income. Debt funds balance the risk-return equation, providing a safety net against market volatility.

Regular Reviews
Annual Check-ups: Conduct annual reviews of your portfolio with a CFP. Regular assessments ensure your investments are on track and aligned with your goals.

Healthcare and Emergency Fund
Health Insurance
Comprehensive Coverage: Ensure you have comprehensive health insurance coverage. Healthcare costs can be significant, and insurance protects your savings.

Emergency Fund
Accessible Savings: Maintain an emergency fund equivalent to 6-12 months of expenses. This fund should be easily accessible for unforeseen situations.

Lifestyle and Expenses
Cost of Living
Inflation Adjustment: Factor in inflation while planning your post-retirement expenses. Ensure your corpus can sustain your lifestyle for the long term.

Lifestyle Choices
Budget Planning: Plan your budget to include leisure activities and hobbies. A well-balanced life post-retirement contributes to overall happiness and well-being.

Tax Planning
Efficient Tax Management
Tax-saving Instruments: Utilize tax-saving instruments to minimize tax liabilities. Investments in PPF, ELSS, and other tax-saving schemes help in efficient tax planning.

Withdrawals and Taxes
Planned Withdrawals: Plan your withdrawals from various investments to minimize tax impact. Consult with a CFP for tax-efficient withdrawal strategies.

Estate Planning
Will and Testament
Legal Documentation: Ensure you have a will in place. Proper estate planning ensures your assets are distributed according to your wishes.

Nomination and Succession
Clear Nominations: Review and update nominations for all your investments. Clear succession planning avoids legal complications and ensures smooth asset transfer.

Professional Guidance
Certified Financial Planner
Expert Advice: Engage with a Certified Financial Planner for personalized advice. A CFP provides comprehensive financial planning, helping you achieve your retirement goals.

Regular Consultations
Ongoing Support: Regular consultations with your CFP ensure your plan adapts to changing circumstances. Continuous support helps in making informed decisions.

Final Insights
Planning for retirement is a continuous journey. You have a strong foundation with your current investments. Regular contributions, diversified portfolio, and professional guidance are key. Ensure your investments align with your goals, providing a secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 28, 2024

Asked by Anonymous - Aug 18, 2024Hindi
Money
I am 44 with monthly income of 1.9 L per month. My current portfolio is Mutual Fund - 5 L { SIP - Rs 15000 per Month } Equity - 3 L PF - 12 L FD - 6 L NPS / PPF - 2 L Sukanya - 2 L Old Insurance policies & Ulip - Around 5 L Medical Insurance covered for family Home Loan pending - 38 L { EMI of 53000 per month } I am planning to retire by 55 and looking for a corpus of 4 Cr. Please suggest how do i proceed?
Ans: You are 44 years old with a stable income of Rs. 1.9 lakh per month. Your portfolio consists of:

Mutual Funds: Rs. 5 lakh, with a SIP of Rs. 15,000 per month.

Equity: Rs. 3 lakh in direct equity.

Provident Fund: Rs. 12 lakh, offering steady, risk-free growth.

Fixed Deposit: Rs. 6 lakh, providing secure, low-risk returns.

NPS/PPF: Rs. 2 lakh in these long-term retirement-focused instruments.

Sukanya Samriddhi Yojana: Rs. 2 lakh, a good plan for your daughter’s future.

Old Insurance Policies & ULIPs: Around Rs. 5 lakh, combining insurance and investment.

Medical Insurance: Adequate coverage for your family.

Home Loan: Rs. 38 lakh pending, with an EMI of Rs. 53,000 per month.

You aim to retire by age 55, with a target retirement corpus of Rs. 4 crore. This is an ambitious yet achievable goal with disciplined planning.

Evaluating Your Current Portfolio
Your portfolio is diversified across various asset classes. Here’s a brief assessment:

Mutual Funds: You have Rs. 5 lakh invested, with a SIP of Rs. 15,000 per month. This is a solid start, but you’ll need to increase your SIP over time to reach your goal.

Equity: Rs. 3 lakh in direct equity offers growth potential. However, direct equity requires active management and carries higher risk. Consider whether you have the time and expertise to manage this actively.

Provident Fund (PF): Rs. 12 lakh in PF provides a safe and steady return. It’s a good foundation for your retirement planning, but it alone won’t suffice to reach your Rs. 4 crore target.

Fixed Deposit (FD): Rs. 6 lakh in FD is low-risk but offers limited growth. This is useful for emergencies or short-term needs, but it won’t help much in wealth accumulation.

NPS/PPF: Rs. 2 lakh here is beneficial for long-term tax-efficient growth. Continue contributing to these, as they will form part of your retirement corpus.

Sukanya Samriddhi Yojana: Rs. 2 lakh is a smart investment for your daughter’s education and marriage expenses. This is a long-term, tax-free investment, which is beneficial.

Old Insurance Policies & ULIPs: Rs. 5 lakh here may not be optimally allocated. ULIPs often have high costs and suboptimal returns compared to mutual funds. These should be reviewed and possibly restructured.

Medical Insurance: You’ve ensured coverage for your family, which is essential. This helps safeguard your financial planning from unexpected medical expenses.

Home Loan: Rs. 38 lakh pending with an EMI of Rs. 53,000 per month is a significant commitment. This is manageable given your income but impacts your monthly cash flow. Paying this off before retirement would ease financial pressure.

Steps to Reach Your Rs. 4 Crore Retirement Corpus
To achieve a retirement corpus of Rs. 4 crore by age 55, a structured approach is necessary. Let’s break it down:

1. Increase Your SIP Contributions
Current Situation: You invest Rs. 15,000 per month in SIPs. While this is good, it’s not enough to reach your Rs. 4 crore goal.

Recommended Action: Gradually increase your SIP contributions. Aim to increase by at least 10-15% every year. As your income grows, channel a portion of the increments into your SIPs. This helps in capitalizing on the power of compounding.

Focus on Actively Managed Funds: Actively managed funds are preferable over index funds due to their potential for higher returns. Work with an MFD with CFP credentials to choose the best funds.

2. Review and Restructure Old Insurance Policies & ULIPs
Current Situation: You have Rs. 5 lakh in old insurance policies and ULIPs. These may not be the most efficient investments for wealth creation.

Recommended Action: Review these policies with your Certified Financial Planner. If they are underperforming or carrying high costs, consider surrendering them and reallocating the funds to mutual funds. This will give you better returns in the long run.

Shift Focus to Term Insurance: If you don’t have term insurance, consider getting it. Term insurance offers high coverage at a low cost, ensuring your family’s financial security without mixing insurance and investment.

3. Maximize Contributions to PPF and NPS
Current Situation: You have Rs. 2 lakh in PPF and NPS combined. These are long-term, tax-efficient investment vehicles.

Recommended Action: Maximize your contributions to PPF each year. It’s a risk-free, tax-free option with a decent return. NPS is also beneficial, especially for its tax advantages. Consider increasing your NPS contributions, especially if your employer offers matching contributions.

Diversify Within NPS: Choose an asset allocation within NPS that aligns with your risk tolerance. A mix of equity and debt within NPS can provide balanced growth and safety.

4. Pay Down Your Home Loan Strategically
Current Situation: You have Rs. 38 lakh left on your home loan, with a hefty EMI of Rs. 53,000 per month.

Recommended Action: Paying off your home loan before retirement should be a priority. You don’t want a large liability hanging over your head post-retirement. Consider making additional payments towards the principal whenever possible. This will reduce the loan tenure and the interest paid over time.

Balance Between Investment and Loan Repayment: While it’s important to pay down your loan, don’t compromise on your investments. Find a balance where you can continue to grow your wealth while reducing debt.

5. Emergency Fund and FD Utilization
Current Situation: You have Rs. 6 lakh in FD, which is good for emergencies.

Recommended Action: Keep at least 6-12 months’ worth of expenses in your FD as an emergency fund. If you have excess funds beyond this, consider moving them to higher-yield investments, such as mutual funds or PPF, which offer better growth prospects.

Liquidity Needs: Ensure your emergency fund is easily accessible. Don’t tie up all your savings in long-term investments without having liquid reserves.

6. Direct Equity and Risk Management
Current Situation: You have Rs. 3 lakh in direct equity. This carries higher risk and requires active management.

Recommended Action: Evaluate your equity portfolio with your Certified Financial Planner. Ensure your stock picks align with your risk tolerance and retirement goals. If managing direct equity is overwhelming, consider shifting some of these funds to mutual funds, where professional managers can handle your investments.

Diversification: Avoid over-concentration in any one sector or stock. Diversify your holdings to reduce risk.

7. Consider Additional Retirement Vehicles
Current Situation: Your retirement savings are spread across various instruments.

Recommended Action: Explore additional retirement vehicles such as Voluntary Provident Fund (VPF) or Senior Citizens Savings Scheme (SCSS) when you approach 55. These provide secure, government-backed options for retirement savings.

Don’t Rely Solely on One Source: Ensure your retirement corpus is spread across multiple sources to reduce risk and provide flexibility.

8. Regular Portfolio Review and Rebalancing
Current Situation: Your portfolio needs to be regularly monitored to stay aligned with your goals.

Recommended Action: Schedule regular reviews with your Certified Financial Planner. Adjust your portfolio based on market conditions and your evolving financial situation. As you approach retirement, gradually shift from high-risk to lower-risk investments to preserve your capital.

Stay Disciplined: Avoid making emotional decisions based on short-term market fluctuations. Stick to your long-term plan, and make adjustments only when necessary.

9. Estate Planning and Will Creation
Current Situation: While your focus is on retirement, it’s also essential to think about estate planning.

Recommended Action: Create a will to ensure your assets are distributed according to your wishes. This will prevent legal complications for your family later. Consider discussing with your Certified Financial Planner the need for a trust if your estate is substantial.

Nomination Updates: Ensure all your investments, insurance policies, and retirement accounts have updated nominations. This simplifies the process for your beneficiaries.

Finally
Your goal of a Rs. 4 crore retirement corpus by age 55 is achievable. It requires a disciplined approach, increasing your SIP contributions, optimizing your existing portfolio, and paying down debt. Work closely with your Certified Financial Planner to ensure your investments align with your goals. Regular reviews and adjustments will keep you on track towards a secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Milind

Milind Vadjikar  |672 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

..Read more

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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