Hi, Am 50 yrs old and my wife is 49..we both earn around 4.80 lacs p.a. We have invested around 1 Cr in MF, 1.5 Cr in FDs, 2 investment properties worth 2 Cr, 50 lacs in Equity shares, 50 lacs in ULIPs and 1 Cr in PF. Our estimated requirements...

Hi, Am 50 yrs old and my wife is 49..we both earn around 4.80 lacs p.a. We have invested around 1 Cr in MF, 1.5 Cr in FDs, 2 investment properties worth 2 Cr, 50 lacs in Equity shares, 50 lacs in ULIPs and 1 Cr in PF. Our estimated requirements are around 1.5 Cr in kids education, 50 lacs in kids marriages and monthly income of around 2 lacs after we leave jobs in another 2 yrs..pls suggest a suitable plan.

Ans: Setting the Stage for Your Comprehensive Financial Plan

At 50 years old, you and your wife have done exceptionally well in building a diverse and robust portfolio. With a combined annual income of Rs 9.6 lakhs, you have substantial investments across mutual funds, fixed deposits, equities, ULIPs, provident funds, and real estate. You’ve built a strong financial foundation, with investments totalling over Rs 6 crore. Now, as you approach retirement and have specific goals for your children’s education and marriage, it’s crucial to refine your strategy for the next phase of your financial journey.

Assessing Your Current Financial Position

Your investment portfolio is impressive and well-diversified, reflecting a careful approach to wealth building.

Breakdown of Your Investments:
Mutual Funds: Rs 1 crore
Fixed Deposits (FDs): Rs 1.5 crore
Investment Properties: Rs 2 crore
Equity Shares: Rs 50 lakhs
Unit-Linked Insurance Plans (ULIPs): Rs 50 lakhs
Provident Fund (PF): Rs 1 crore
Your asset allocation spans across different classes, offering a mix of growth and stability. This is a commendable strategy, balancing risk and return.

Evaluating Your Financial Goals

You have set clear financial goals:

Children’s Education: Rs 1.5 crore
Children’s Marriages: Rs 50 lakhs
Post-Retirement Monthly Income: Rs 2 lakhs
Prioritizing and Planning for Education and Marriage
Funding your children’s education and marriages is a top priority. Setting aside Rs 1.5 crore for education and Rs 50 lakhs for marriage expenses requires careful planning.

Children’s Education: The cost of education is substantial and increasing. Allocating Rs 1.5 crore ensures your children have the best opportunities. Given the time frame, a combination of safe and growth-oriented investments is ideal.

Children’s Marriages: Setting aside Rs 50 lakhs for marriages provides for significant expenses without strain.

Planning for Retirement Income

You aim to retire in 2 years and require Rs 2 lakhs monthly to maintain your lifestyle.

Assessing Current and Future Needs
Given your extensive assets, you are well-positioned to generate this income. Evaluating your current income streams and potential returns is essential.

Strategies for Generating Monthly Income
Fixed Deposits (FDs): With Rs 1.5 crore in FDs, you have a source of stable, albeit lower, returns. Consider shifting some funds to higher-yield options for better returns while maintaining liquidity.

Mutual Funds: Rs 1 crore in mutual funds offers growth potential. Actively managed funds can outperform and help achieve higher returns. Aligning these funds with your risk tolerance and income needs will maximize benefits.

Equity Shares: Rs 50 lakhs in equity shares provide significant growth potential. Equities, though volatile, can generate high returns over time. A well-managed portfolio with regular reviews is key.

Provident Fund (PF): Your Rs 1 crore in PF is a reliable source for post-retirement income. It offers safety and consistent returns. Ensuring optimal use of this fund will support long-term financial stability.

Unit-Linked Insurance Plans (ULIPs): Rs 50 lakhs in ULIPs mix insurance and investment. Evaluating the performance and cost of these plans is crucial.

Refining Your Investment Strategy

Optimizing your current investments is vital for meeting your goals. Here’s how to fine-tune your strategy:

Rebalancing Your Portfolio
Regularly rebalance your portfolio to align with your changing risk appetite and financial goals.

Equity Allocation: Given your retirement proximity, a conservative approach is advisable. However, retaining some equity exposure is important for growth.

Debt Allocation: Increase your debt investment to secure stable, lower-risk returns. This can be achieved through debt mutual funds or safe instruments like FDs and PF.

Mutual Funds: Focus on actively managed funds. These funds, driven by skilled managers, have the potential to outperform. Direct funds lack professional guidance and may not meet your expectations.

Ensuring Liquidity and Emergency Fund

Having liquid assets and an emergency fund is essential, especially as you near retirement.

Liquidity Management
Ensure a portion of your assets are in liquid forms. This provides flexibility to meet immediate needs or take advantage of investment opportunities.

Emergency Fund
Maintain an emergency fund covering 6-12 months of expenses. This safeguards against unexpected events without disrupting your investment strategy.

Tax Efficiency in Retirement Planning

Tax-efficient strategies can enhance your post-retirement income. Here are ways to optimize your tax liability:

Maximizing Tax Benefits
Utilize all available tax exemptions and deductions. Investments in tax-saving instruments under Section 80C, 80D, and others can reduce your taxable income.

Tax-Efficient Withdrawals
Plan your withdrawals to minimize tax impact. Structured withdrawals from PF, ULIPs, and capital gains on mutual funds and equities can lower your tax burden.

Reviewing Insurance and ULIPs

Your ULIPs mix insurance with investments. Given the costs and returns, evaluate if they still serve your needs.

Evaluating ULIPs
ULIPs often come with high charges and lower returns compared to mutual funds. Assess the performance and consider redeeming if they underperform.

Insurance Needs
Ensure adequate life and health insurance coverage. As your financial situation evolves, adjust your coverage to protect against unforeseen risks.

Strategizing for Your Investment Properties

Your investment properties are valuable assets but are less liquid.

Managing Investment Properties
Real estate provides rental income and capital appreciation but lacks liquidity. Consider the role these properties play in your overall strategy. Focus on maintaining them or plan for eventual liquidation if needed.

Rental Income
Leverage rental income to support your retirement. It provides a steady cash flow to meet your monthly expenses.

Creating a Sustainable Withdrawal Strategy

A sustainable withdrawal strategy ensures your funds last throughout your retirement.

Safe Withdrawal Rate
Adopt a withdrawal rate that balances longevity and income needs. A common approach is the 4% rule, but customize it based on your specific requirements.

Structured Withdrawals
Plan withdrawals from different asset classes to maintain a balance between growth and security. Start with lower-risk assets and gradually tap into higher-risk investments.

Regular Reviews and Professional Guidance

Regularly reviewing your financial plan ensures it remains aligned with your goals.

Annual Financial Reviews
Conduct annual reviews of your portfolio. This keeps your investments aligned with your evolving financial needs and market conditions.

Certified Financial Planner (CFP) Guidance
Consulting a CFP provides professional insights tailored to your situation. They help optimize your strategy, address complex issues, and ensure long-term success.

Final Insights

You have built a strong financial base with diverse investments. As you prepare for retirement, refining your strategy is essential to meet your specific goals for education, marriage, and monthly income.

Continue leveraging your assets effectively. Focus on optimizing your portfolio, maintaining liquidity, and planning tax-efficient withdrawals. Your disciplined approach and clear objectives will guide you towards a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: You and your wife, both aged 34, are in a solid financial position, each earning Rs. 1.30 lakhs per month in the IT sector. You have two young children, one in 2nd class and the other just 6 months old. Your family’s financial situation involves various assets and liabilities, including real estate, stocks, gold, and insurance policies. You’ve taken significant steps to secure your future, but with some strategic guidance, you can optimise your financial planning further.

Financial Analysis
Income and Expenses
Monthly Income: Rs. 2.60 lakhs (combined)
Monthly Expenses: Rs. 45,000
Home Loan EMI: Rs. 47,000
Daycare Fees: Rs. 20,000
School Fees: Rs. 1.10 lakhs annually (approx. Rs. 9,167 monthly)
Assets
Term Insurance: Rs. 57,000 per annum
Life Insurance: Rs. 18,000 per annum
Home Value: Rs. 1 crore (current)
Plots Value: Rs. 50 lakhs
PF Balance: Rs. 23 lakhs
Stocks: Rs. 7 lakhs (profit Rs. 2 lakhs)
Gold: 220 grams
Cash on Hand: Rs. 30 lakhs
Liabilities
Home Loan Balance: Rs. 15 lakhs (3 years remaining)
Key Financial Goals
Children’s Education
Retirement Planning
Emergency Fund Creation
Medical Insurance Post-Retirement
Detailed Financial Planning
Children’s Education
Short-Term Education Plan

Your elder son’s school fees and upcoming daycare expenses for your younger son necessitate a dedicated fund. You can utilise short-term debt funds or fixed deposits for this purpose. These are low-risk options that ensure the money is available when needed without much volatility.

Debt Funds: These are mutual funds that invest in fixed income securities like bonds and treasury bills. They provide better returns than savings accounts and fixed deposits while maintaining low risk.
Fixed Deposits: These are safer but typically offer lower returns compared to debt funds. They are good for very short-term needs.
Long-Term Education Plan

For higher education, investing in equity mutual funds is advisable. Equity mutual funds offer high returns over a long period, making them suitable for goals that are 10-15 years away. Starting a Systematic Investment Plan (SIP) in these funds can help in averaging the cost of investment and compounding over time.

Equity Mutual Funds: These funds invest in stocks and aim for high growth. While they are riskier, they also offer the potential for higher returns over the long term.
SIP: A Systematic Investment Plan allows you to invest a fixed amount regularly in mutual funds. It helps in averaging out the purchase cost and harnessing the power of compounding.
Recommended Strategy

Short-Term: Invest in debt funds or fixed deposits for immediate schooling needs.
Long-Term: Start SIPs in equity mutual funds for higher education goals.
Retirement Planning
Utilise PF Wisely

Your Provident Fund (PF) balance is a significant asset. Continue contributing to your PF, as it’s a safe and tax-efficient way to build your retirement corpus. The power of compounding will help grow this amount substantially by the time you retire.

Diversified Investment Portfolio

In addition to PF, consider diversifying into equity mutual funds for better growth. These funds provide higher returns compared to traditional savings schemes. Adding some balanced or hybrid funds can help mitigate risks while still aiming for growth.

Retirement Corpus Calculation

Estimate your retirement corpus considering your desired retirement age, lifestyle, and inflation. Use this to set a monthly investment target. Regularly review your investments and adjust your SIP amounts to ensure you stay on track to meet your retirement goals.

Balanced/Hybrid Funds: These funds invest in a mix of equity and debt. They are less risky than pure equity funds but offer better returns than debt funds.
Regular Review: Periodically assess your investments and adjust based on performance and changing financial goals.
Recommended Strategy

EPF/PPF: Continue contributions to your Employee Provident Fund (EPF) and consider opening a Public Provident Fund (PPF) for additional tax-saving benefits.
Mutual Funds: Invest in equity and balanced mutual funds via SIP.
Emergency Fund Creation
Importance of Emergency Fund

An emergency fund is essential for unexpected expenses like medical emergencies, job loss, or urgent home repairs. Aim to save 6-12 months of expenses.

Investment Options

Keep your emergency fund in liquid funds or a high-interest savings account. These options offer easy access and reasonable returns.

Steps to Build

Start by setting aside a fixed amount every month. Automate this transfer to ensure consistency. Use part of your current cash on hand (Rs. 30 lakhs) to create this fund.

Liquid Funds: These mutual funds invest in very short-term instruments and provide liquidity with better returns than savings accounts.
High-Interest Savings Accounts: Offer immediate access and higher interest rates compared to regular savings accounts.
Recommended Strategy

Target Amount: Save 6-12 months of living expenses in liquid and easily accessible funds.
Investment Options: Use liquid funds and high-interest savings accounts.
Medical Health Insurance Post-Retirement
Assess Current Coverage

You currently have Rs. 16 lakhs coverage from your employers. This is good, but consider additional personal health insurance for comprehensive coverage. This ensures you’re protected even after retirement.

Long-Term Health Insurance

Look for family floater health plans that cover you, your wife, and your children. Choose a plan with lifetime renewability and adequate sum insured. Also, consider critical illness insurance for added protection.

Family Floater Plans: These plans cover all family members under a single policy. Ensure it offers sufficient coverage for all members.
Critical Illness Insurance: Provides a lump sum payout if diagnosed with specified serious illnesses. This can help cover costs not covered by regular health insurance.
Recommended Strategy

Personal Health Insurance: Opt for a family floater plan with lifetime renewability and a higher sum insured.
Critical Illness Insurance: Consider adding this for extra coverage against serious illnesses.
Investing Rs. 30 Lakhs Cash on Hand
Avoid Real Estate Investment

Instead of buying another house, which ties up funds and incurs maintenance costs, invest in financial instruments that offer liquidity and growth. Real estate investment, while potentially profitable, lacks the flexibility and liquidity you might need.

Investment Options

Equity Mutual Funds: For long-term growth. Allocate a significant portion to these funds. They offer higher returns and can be withdrawn partially when needed.

Debt Funds: For stability and moderate returns. Good for medium-term goals and partial withdrawals.

Hybrid Funds: Balance between equity and debt. Lower risk compared to pure equity funds but higher returns than debt funds.

Systematic Withdrawal Plans (SWP): Invest lump sum in mutual funds and withdraw a fixed amount regularly. Useful for supplementing income post-retirement.

Equity Mutual Funds

Long-Term Wealth Building: These funds are ideal for creating long-term wealth. Investing Rs. 30 lakhs here can yield significant returns over 10-15 years.
Partial Withdrawals: You can withdraw money partially when needed, providing flexibility.
Debt Funds

Stability and Returns: They offer more stability and are suitable for medium-term goals.
Safety: Less volatile than equity funds, making them a safer option for conservative investors.
Hybrid Funds

Balanced Growth: These funds offer a mix of safety and growth, making them suitable for medium to long-term investments.
Risk Mitigation: Less risky than pure equity funds, they provide a balanced approach to investing.
Systematic Withdrawal Plans (SWP)

Regular Income: Invest a lump sum in mutual funds and withdraw a fixed amount regularly.
Post-Retirement: SWPs can provide a regular income stream, supplementing your retirement corpus.
Recommended Strategy

Equity Mutual Funds: Invest a significant portion for long-term wealth building.
Debt Funds and Hybrid Funds: For medium-term stability and growth.
SWP: To create a regular income stream post-retirement.
Final Insights
You’re in a strong financial position with a good income and diverse assets. Focus on clearing your home loan and maintaining your insurance.

Prioritise building an emergency fund and investing in mutual funds for your children’s education and your retirement. Avoid additional real estate investments. Instead, leverage equity and debt mutual funds for liquidity and growth.

Regularly review and adjust your financial plan to stay on track. Consider working with a Certified Financial Planner to optimise your strategy and ensure you meet your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
• Alder Hey International Fellowship Scheme (Anaesthetics)
• Betsi Cadwaladr University Health Board - BCUHB IMG Sponsorship Scheme
• BAPIO Training Academy Ltd – BTA International Fellowship Scheme
• BAPIO Training Academy Ltd – International Training Programme for Postgraduate Doctors
• BAPIO Training Academy Ltd - BTA International Fellowship Scheme – Internal Medicine with interest in Oncology with MSc in Oncology
• Barking Havering and Redbridge University Hospitals NHS Trust - BHRUT Sponsorship Scheme for Overseas Doctors in Clinical Radiology
• Birmingham and Solihull Mental Health NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry (Birmingham)
• Birmingham Women’s and Children’s Hospital – Birmingham Women’s and Children’s International Medical Graduate sponsorship scheme
• Bradford District Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Cambridge IVF, Cambridge University Hospitals NHS Trust – IVF Senior Clinical Fellowship Scheme
• Cambridge University Hospital – Senior Clinical Fellowship Scheme in Intensive Care Medicine/Anaesthesia
• Canterbury Christ Church University
• Cumbria Northumberland Tyne and Wear NHS Psychiatry Fellowship Programme
• Derbyshire Healthcare NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry
• Dudley Group NHS Foundation Trust
• East Lancashire Hospitals NHS Trust - Clinical Fellowship in Urology or Ophthalmology
• East Lancashire Hospital NHS Trust - Specialist Clinical Fellowship in Pain Management
• East London NHS Foundation Trust (ELFT) – ELFT Advanced International Fellowship in Psychiatry
• East Suffolk and North Essex NHS Foundation Trust – ICENI Centre Fellowships Programme
• Edge Hill University and Wrightington, Wigan and Leigh NHS Trust – International Training Fellowships in MCh programmes
• ENT UK – Royal College of Surgeons
• Essex Partnership University NHS Foundation Trust – EPUT Advanced Fellowship in Psychiatry
• Frimley Health NHS Foundation Trust – International Fellowship in Regional Anaesthesia combined with MSc in Principles of Regional Anaesthesia at the University of East Anglia
• Great Ormond Street Hospital International Fellowship Programme
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Critical Care
• Guy’s and St Thomas’ NHS Foundation Trust – International Clinical Fellowship Programme (ICFP)
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Obstetrics and Gynaecology
• Guy’s and St Thomas’ NHS Hospitals Foundation Trust – Oncology Specialty Training
• Guy's and St Thomas' NHS Hospitals Foundation Trust – Specialty Training in Anaesthetics
• Harefield Hospital, Royal Brompton and Harefield NHS Trust – Anaesthesia and Critical Care
• Hertfordshire Partnership University NHS Foundation Trust
• Hull University Teaching Hospitals NHS Trust – International Fellows at Hull University Teaching Hospitals NHS Trust
• Humber Teaching NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Imperial College Healthcare NHS Trust – Emergency Medicine
• Imperial College Healthcare NHS Trust – Haematology
• Imperial College Healthcare NHS Trust – International Anaesthesia Trainees
• Imperial College Healthcare NHS Trust – Intensive Care Medicine
• Imperial College, London - Clinical Research
• King’s College Hospital NHS Trusts – International Critical Care Fellowship
• King’s College Hospital NHS Trusts – Paediatric Critical Care Fellowship
• Lancashire & South Cumbria NHS Foundation Trust - Psychiatry specialty Fellowship Scheme
• Lancashire Teaching Hospitals NHS Trust - Overseas Registrar Development and Recruitment (ORDER)
• Leeds Teaching Hospitals NHS Trust – International Fellowship Programme
• Leicestershire Partnership NHS Trust – International Medical Fellowship Programme in Psychiatry
• Lincolnshire Partnership NHS Foundation Trust – CESR Fellowship in Psychiatry or Sponsored Fellowship in Psychiatry
• Lysholm Dept of Neuroradiology – National Hospital for Neurology and Neurosurgery, UCL
• Manchester University NHS Foundation Trust – International Fellowship Programme
• Midlands Partnership NHS Foundation Trust
• Ministry of Defence – International Military Clinical Fellowships
• Modality Partnership - Modality Primary Care International Fellowship Scheme
• NAViGO Health and Social Care CIC – International Medical Fellowship in Psychiatry
• NHS England, East of England - East of England International Office GMC Sponsorship
• NHS Fife – CESR Fellowship Programme in Psychiatry
• NHS Grampian – Psychiatry CESR Fellowship Programme
• NHS Grampian – Multi-specialty SAS Fellowship
• NHS Wales Shared Services Partnership (NWSSP) – All Wales International Medical Recruitment Programme
• Norfolk and Suffolk NHS Foundation Trust (NSFT) - Advanced Clinical Fellowship in Psychiatry
• North Lincolnshire and Goole NHS Foundation Trust (NLAG) Sponsorship Programme
• Northampton General Hospital – Clinical Fellowship in Regional Anaesthesia
• Northampton General Hospital NHS Trust - International Clinical Fellowship in Regional Anaesthesia, Vascular Anaesthesia, or Peri-operative Medicine
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme (Psychiatry)
• Northern Care Alliance – NCA International Medical Fellowship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford Eye Hospital
• Oxford University Hospitals NHS Foundation Trust – Oxford Intensive Care Medicine (OxICM) Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford University Hospitals Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – The Oxford International Neonatal and Paediatric Fellowship Programme
• Rotherham Doncaster and South Humber NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Royal College of Anaesthetists – Global Fellowship Scheme (Anaesthesia or ICM)
• Royal College of Anaesthetists – MTI Scheme
• Royal College of Emergency Medicine
• Royal College of Obstetricians and Gynaecologists – MTI Scheme
• Royal College of Ophthalmologists
• Royal College of Paediatrics and Child Health – International Paediatric Sponsorship Scheme
• Royal College of Paediatrics and Child Health – MTI Scheme
• Royal College of Pathologists
• Royal College of Physicians of Edinburgh
• Royal College of Surgeons of England
• Royal College of Physicians of London
• Royal College of Physicians and Surgeons of Glasgow
• Royal College of Psychiatrists – MTI Scheme
• Royal College of Radiologists – Clinical Radiology
• Royal College of Radiologists – Clinical Oncology
• Royal College of Radiologists – RCR Specialty Training Sponsorship Scheme
• Royal College of Surgeons of Edinburgh
• Royal Devon and Exeter NHS Trust
• Royal Papworth Hospital NHS Foundation Trust – Senior Clinical Fellowship Programme in Anaesthesia and Critical Care
• Royal Wolverhampton Trust – Clinical Fellowship Programme
• Sheffield Children’s NHS Foundation Trust - Rotational Clinical Fellows in Paediatrics, Trauma and Orthopaedic International Fellows, and Subspeciality Fellows in Paediatrics
• Sheffield Health and Social Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Somerset NHS Foundation Trust – Somerset Overseas Doctors Sponsorship Scheme
• Somerset NHS Foundation Trust – Psychiatry Overseas Doctors Sponsorship Scheme
• South Warwickshire University NHS Foundation Trust - GMC Multispecialty Sponsorship Scheme
• South West Yorkshire Partnership NHS Foundation Trust – International Fellowship in Psychiatry
• Southmead Hospital, North Bristol NHS Trust – International Obstetrics and Gynaecology Training Programme
• St Bartholomew’s Hospital, Barts Health NHS Trust – St Bartholomew’s Critical Care Fellowship
• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
• St George’s University Hospitals NHS Foundation Trust – International Emergency Medicine Trainees
• Surrey and Borders Partnership (SABP) NHS Foundation Trust – International Psychiatric and Community Paediatrics Sponsorship Scheme
• Tees, Esk and Wear Valleys NHS Foundation Trust – International Psychiatric CESR or SAS Fellowship
• University College London Hospitals NHS Foundation Trust, Department of Critical Care – Clinical Fellowship Critical Care and Perioperative Medicine
• University Hospital Birmingham NHS Foundation Trust - International Training Fellowship Programme
• University Hospitals Birmingham NHS Foundation Trust - UHB LED Fellowship Programme
• University Hospitals Bristol and Weston NHS Foundation Trust – Bristol Children's Hospital International Fellowship Scheme
• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
• University of Buckingham – Master of Surgery
• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.